Information about any recent developments affecting Form 4506-C (such as legislation enacted after we released it) will be posted on that page. See the product list below. F! CAUTION You must check the box in theIRS Forms 4506-C, 4506-T, and 4506T-EZ (also be called "IVES requests") are the forms the IRS uses to verify that you have given your consent to a third party to access your tax transcripts. Title: Form 4506-C (9-2020) Author: 6127591 Created Date: 10/12/2021 9:04:22 AM completed and signed IRS Form 4506-C. . Their Handbook still states the following:What is the IRS consent form 4506-C? Form 4506-C is an Internal Revenue Service (IRS) document that is used to retrieve past tax returns, W-2, and 1099 transcripts that are on file with the IRS. You should receive a separate communication from Discover. OMB Number 1545-1872. consent and holds the recipient subject to penalties, brought by private right of action, for any unauthorized access, other use, or redisclosure. Note: Line 5a must be completed prior to a taxpayer providing consent and signing the Form. Starting October 1, you'll be. Yesterday i get an email from equifax verification services stating that DFS is requesting a FORM 4506-T to verify the income i out on the application, i. Caution: Do not sign this form unless all applicable lines have been completed. CU Memberships. Request may be rejected if the form is incomplete or illegible. consent and holds the recipient subject to penalties, brought by private right of action, for any unauthorized access, other use, or. For IVES, Form 4506-C revision 10-2022, must have the IVES participant’s information on line 5a and IVES client information on line 5d. • Investigate the root cause of all rejections and implement a corrective action plan, when necessary. Once completed you can sign your fillable form or send for signing. gov and click on “Get a Tax Transcript. The following morning I received an email for IRS Consent Form 4506-C through Equifax. Caution: An intentional disclosure of taxpayer information by a federal employeeUse Form 4506-T to order a transcript or other return information free of charge. When I open it, it's really a form 4506-T, which is - 6239454 - 2. . The Instructions on page 2 of the 4506-C say, in part: “Form 4506-C must be signed and dated by the taxpayer listed on line 1a and, if listed, 2a. 4506-C (Rev. 4506-C (September 2020) Department of the Treasury - Internal Revenue Service. A related initiative is MISMO's Taxpayer Consent Language which provides a consistent way for the mortgage industry to obtain. If you completed line 5 requesting the information be sent to a third party, the IRS must receive Form 4506-T within 120 days of the date signed by the taxpayer or it will be rejected. . ó. See instructions. If. New IRS Form 4506C 2021. For more information about Form 4506-C. Dear IVES Participants, We are pleased to announce that the Form 4506-C is published and currently available online. can sign Form 4506-C for a taxpayer only if the utilized by authorized IVES participants to order Note: If the addresses on lines 3 and 4 are taxpayer has specifically delegated this authority tax transcripts with the consent of the taxpayer. But, since then, I’ve had my account on hold for almost 3 weeks. 2021 The IVES Request for Transcript of Tax Return (IRS Form 4506-C) provides the borrower’s permission for the lender to request the borrower’s tax return. Catalog Number 72627P Form 4506-C (9-2020) Form 4506-C (September 2020) Department of the Treasury - Internal Revenue Service IVES Request for Transcript of Tax Return OMB Number. 1. The information provided will be used to search the taxpayers account and provide the requested information and to. Request may be rejected if the form is incomplete or illegible. . 4506-C (September 2020) Department of the Treasury - Internal Revenue Service. . OMB Number. use Form 4506, Request for Copy of Tax Return. Form 4506-C Frequently Asked Questions. Received an email from Disco asking me to sign consent for IRS 4506-C form. Received an email from Disco asking me to sign consent for IRS 4506-C form. OMB Number 1545-1872. Do not sign this form unless all applicable lines have been completed. irs form 4506 c Cat. Today I received a 4506 C from discover to sign an irs form to verify information. About 8 or 9 days have passed by and I get an email one morning with Equifax Verification Services at the top asking me to put my signature on an IRS consent for. Signatory attests that he/she has read the attestation clause and upon so reading declares that he/she has the authority to sign the Form 4506. Do not sign this form unless all applicable lines have been completed. Form 2848 is used to appoint a recognized representative to act on the taxpayer’s behalf in front of the IRS. OMB Number 1545-1872. IVES Request for Transcript of Tax Return. These transcripts may also be mailed. Within the next 5 days, please click on the provided link below so that you can electronically sign the required IRS Consent form 4506-T. Form 4506 C vs 4506 T. OMB Number 1545-1872. Plan number (if applicable) 2 . A copy is attached for your convenience. IVES Request for Transcript of Tax Return. . OMB Number 1545-1872. To support the OCR modernization needs for IVES, all Form 4506-C submissions with the new form will be required to mirror the exact published form. If you want the card, fill out the form. It will allow the financial institution or credit card issuer to review your tax returns with the IRS. All forms are printable and downloadable. Signatory confirms document was. ó. OMB Number 1545-1872. IRS Consent Form 4506-C. Sign Here . This dataset provides historical context of the different MISMO data points needed for the new form. Delete or revoke prior tax information. Note: This form must be received by IRS within 120 days of the signature date. Im fine with supplying the bank statements, the problem is I have never filed taxes because the majority. The IRS Form 4506-C is used to obtain IRS Tax through Veri-Tax (a “veri-tax”). . Puerto Rico: The SBA will send required forms via email to the applicant. IVES Request for Transcript of Tax Return. . Request may be rejected if the form is incomplete or illegible. Partnerships. eta: just wondering if they pull Exp, approve and maybe sp EQ but then get shortly after a notice from EQ to request 4506-T. For more information about Form. OMB Number 1545-1872. 41721E Form 4506 Rev. Note: This form must be received by IRS within 120 days of the signature date. Here's how it would work for a taxpayer seeking to verify income for a lender: the lender will assign a 10-digit number, for example, a loan number, and it will be entered on Form 4506-C. 4506-C (9-2020) Form . There is a fee. I'm curious if they will still send the card. ó. Do not sign this form unless all applicable lines have been completed. General Instructions Specific Instructions Line 1b. Form 4506-T to the SBA via the application portal. ó. Make sure the information on the request is accurate. Barclays asked for 4506-T at the time. Nothing he says is meant to be taken serious, This channel is for entertainment purpose. OMB Number 1545-1872. f4506c. Today I received a 4506 C from discover to sign an irs form to verify information. But whatever. IVES Participant Retention of Documentation: All audit log information as well as the associated Form 4506-C, must be retained by the IVES participant for a period of 2 years. AlaizaTanaligaTampilic. IRS Consent Form 4506-C. Category: Tax. For more information about Form 4506-C. IVES Request for Transcript of Tax Return. Enter the social security number (SSN)Form 4506-C was signed by an Authorized Representative. consent and holds the recipient subject to penalties, brought by private right of action, for any unauthorized access, other use, or. Signatory confirms document was electronically signedPrint/Type name Title (if line 1a above is a corporation, partnership, estate, or trust). . affect ing Form 4506-C (such as legislation enacted L n e3 . Signatory confirms document was electronically signedPrint/Type name Title (if line 1a above is a corporation, partnership, estate, or trust). Do not sign this form unless all applicable lines have been completed. If clients wish to use this form, please contact Client Support for set up. 4506-C (9-2020) Form . Form 4506-C was signed by an Authorized Representative. I applied last week for a DIscover miles card and was approved. . This is usually a mortgage lender or other source that needs detailed financial information. Do not sign this form unless all applicable lines have been completed. 4 - 4506-C and Tax Transcripts. Request may be rejected if the form is incomplete or illegible. 10-2022) Form . You will designate an IVES participant to receive the information on line 5a. Request may be rejected if the form is incomplete or illegible. ”. General Instructions. Feb. 10-2022) Form 4506-C (October 2022) Department of the Treasury - Internal Revenue Service IVES Request for Transcript of Tax Return OMB Number. Discover Card requesting Income Verification Form (IRS consent form 4506-C) what happens next? I recently submitted an Income Verification Form 4506-C that Discover requested after one(1) 3-day late payment on my account which is now over 2 years old but has a high utilization rate ($5900 of my $6000 limit). Request may be rejected if the form is incomplete or illegible. 4506-C (September 2020) Department of the Treasury - Internal Revenue Service. A 4506-T form can be used to request transcripts of a Form 1040 individual tax return, or transcripts from Forms W-2, 1098, 1099 and 5498. Signatory confirms document was electronically signedPrint/Type name Title (if line 1a above is a corporation, partnership, estate, or trust). consent and holds the recipient subject to penalties, brought by private right of action, for any unauthorized access, other use, or. 4506-C (September 2020) Department of the Treasury - Internal Revenue Service. FTC's website on credit. This is different from previous versions, where the Spouse did not always have to sign. Acra Lending cannot make changes to the 4506-C form provided. Some lenders may submit the Form 4506-C to the IRS to document borrower income, but the intent of Incorrect form version. Fannie Mae requires lenders to have each borrower whose income (regardless of income source) is used to qualify for the loan to complete and sign a separate IRS Form 4506-C at or. Congrats! Our credit card journey started 3/2018. IVES Request for Transcript of Tax Return. . OMB Number 1545-1872. sign the 4506-C MUST be checked in order for the 4506-C form to be accepted by the IRS. If you’ve filed Form 4506-C before, you’re probably familiar with the painful process of waiting weeks or longer to receive limited financial information or worse, an outright form rejection without any. For more information about Form 4506-C. Caution: An intentional disclosure of taxpayer information by a federal employeeRe: DISCOVER Form 4506-T/4506-C. com. I filled in the consent form anyway and today I got notice that my hold was lifted and I'm back in business. IVES Request for Transcript of Tax Return. The IRS Form 4506 is used to retrieve photo copies of the tax returns that were filed by the taxpayer. For more information about Form. When I open it, it's really a form 4506-T, which is - 6239454 - 2. Form 4506 Request for Copy of Tax Return (Novmeber 2020) Do not sign this form unless all applicable lines have been completed. Discover requesting 4506-T. Homebridge will continue to require Brokers and NDCs to provide an initial signed Form 4506-C with all loan submissions (all programs) excluding the below: Non-credit qualifying Streamlines and IRRRLs, andPlease visit us at IRS. Do not sign this form unless all applicable lines have been completed. The newly published Form 4506-C will be the only IVES acceptable form effective December 1, 2022. I currently have a Disocver IT card (cash back). Fine, whatever. Signatory confirms document was electronically signedPrint/Type name Title (if line 1a above is a corporation, partnership, estate, or trust). Form 4506-C was signed by an Authorized Representative. Do not sign this form unless all applicable lines have been completed. Sign Here . . The first paragraph explains, “Our records show that your application is incomplete for the following reason (s): 4 - Additional fees due”. f4506c. Las personas presentan el Formulario 4506-T-EZ (SP) para solicitar una transcripción de la. Key Takeaways. . To kind of dovetail on what @Kforce said, if I any of my credit card issuers hit me with a 4506-C request, the only response they'd get from me is my card(s), cut in half, back in the mail. As previously announced on August 20, 2021, the IRS announced their plan to modernize Form 4506-C, also known as the Income Verification Express Service (IVES) Request for Transcript of Tax Return. OMB Number 1545-1872. For more information about Form 4506-C. Abstract: Internal Revenue Code section 7513 allows taxpayers to request a copy of a tax return or related products. Request may be rejected if the form is incomplete or illegible. I got it yesterday at 3pm and it said "your card is being placed on hold until you fill out the attached IRS form". Future Developments For the latest Consent form - Irish Medical Journal Consent form For a patients consent to publication of images and/or information about them in IMF publications. It is referenced multiple times that the fees should be on the letter, but they aren’t. What is Tax Form 4506-C (2022)? Form 4506-C is intended to allow authorized IVES participants to get a transcript of a tax return with the taxpayer’s permission. IRS Form 4506-C has been created for authorized IVES participants to order tax transcripts with the consent of the taxpayer. Check here if a list of additional designees is attached. Form 4506-C Frequently Asked Questions. Print form and complete. Phone number of taxpayer on line 1a or 2a SignatureCatalog Number 72627P Form 4506-C (Rev. . 4506-C (September 2020) Department of the Treasury - Internal Revenue Service. óRequest may be rejected if the form is incomplete or illegible. The IRS recently announced that it will be replacing the form 4506-T IRS Tax Transcript Request with a new form, the 4506-C. , information the borrower provided in the Form 710) and the income documentation; or. The 4506-C form is for the lender to pull your tax returns in the form of a transcript. IRS Form 4506-C Instructions. CU Memberships. What is a 4506-T form? An IRS consent form 4506-T is a document used by taxpayers to request tax return information from the Internal. Received an email from Disco asking me to sign consent for IRS 4506-C form. Fiscal year taxpayers must use Form 4506-T, Request for Transcript of Tax Return instead of Form 4506-T-EZ. Do not sign this form unless all applicable lines have been completed. Request may be rejected if the form is incomplete or illegible. 01. 10-2022) Form . Download . f4506t. The main difference between Form 4506 and Form 4506-T is that Form 4506 is used to request a copy of your tax return information, while Form 4506-T is used to request a transcript of your tax return information. Some lenders may submit the Form 4506-C to the IRS to document borrower income, but the intent ofIncorrect form version. In addition to the dataset for IRS Form 4506-C, MISMO created a dataset for the previously used IRS Form 4506-T. Form 4506-C was signed by an Authorized Representative. 4506-C (Rev. 4506-C (9-2020) Form . Section 6103(c) limits disclosure and use of return information provided pursuant to your consent and holds the recipient subject to penalties, brought by private right of action, for any unauthorized access, other use, or redisclosure without your express permission or request. The taxpayer must sign and date the 4506-C. Note: This form must be received by IRS within 120 days of the signature date. We would like to show you a description here but the site won’t allow us. On the application I indicated 53k income (I personally earn more), transcript for last 2 years tax returned filed is north of 100k. Signatory confirms document was electronically signedPrint/Type name Title (if line 1a above is a corporation, partnership, estate, or trust). Each tax return must be signed by the borrower unless the lender has obtained one of the following signature alternatives: documentation confirming that the tax returns were filed electronically, a completed IRS Form 4506–C (signed by the borrower) for the year in question, or. If we do not receive the IRS Consent form 4506-T as requested, your. Do not sign this form unless all applicable lines have been completed. Use Form 4506-T to order a transcript or other return information free of charge. Yup. Well I just got the dreaded request from Discover to let Equifax pull my taxes to see if my income matches up. Form 4506 must be signed and dated by the taxpayer listed on line 1a or 2a. Specifically, Form 4506-C was created to be utilized by authorized IVES participants to order tax transcripts with the consent of the taxpayer. 11-2021 Page Section references are to the Internal Revenue Code unless otherwise noted. The IRS Form 4506-C is a form that can be utilized by authorized IRS Income Verification Express Service (IVES) participants to order tax transcripts electronically with the consent of the taxpayer. See the product list below. This thread is archived. execute Form 4506 on behalf of the taxpayer. ó. . execute Form 4506 on behalf of the taxpayer. American Express and Discover are the two main credit issuers who routinely request Form 4506-T to verify your income. Signatory attests that he/she has read the attestation clause and upon so reading declares that he/she has the authority to sign the Form 4506. Do not sign this form unless all applicable lines have been completed. IRS Income Verification Express Service (IVES) participants (revision 10/31/22). So I'm curious has Discovery ever request anybody elese's tax documents. Signatory confirms document was electronically signedPrint/Type name Title (if line 1a above is a corporation, partnership, estate, or trust). What's New. IRS Consent Form 4506-C to Sign Discover. Discover IRS Form 4506-C. Find how to review a request and authorize or reject it. Info Swedish School of Sport and Health Sciences (Gymnastik- och idrottshögskolan)'s ACCOUNT department has 2 courses in Course Hero with 7 documents and 1 answered questions. For the latest information about Form 4506-C and its instructions, go to and search IVES. Re: Should I sign this 4506-C document for a credit card?? It is a simple choice. 4506-C (9-2020) Form . For more information about Form 4506-C. Form 4506-C (September 2020) Department of the Treasury - Internal Revenue Service IVES Request for Transcript of Tax Return Do not sign this form unless all applicable. Pre-filled IRS Form 4506-C used for SBA disaster loan applicants. Both versions of Form 4506-C will be accepted through February. ST/IC/2022/4 22-00794 3/35 • The statement of taxable earnings for. The user guide provides system requirements for the product: e-Services (TIN Matching, Transcript Delivery System (TDS) and Secure Object Repository (SOR) - Contact the Help Desk at 866-255-0654. The document gives permission for a third party to retrieve the tax payer’s data. This topic contains information on the use of (IRS Form 4506-C), including: Use of IRS Form 4506-C to Validate Borrower Income Documentation I recently applied and was initially approved for a discover it card. The 4506-C form is for the lender to pull your tax returns in the form of a transcript. The taxpayer is providing consent for the IRS to disclose tax return information to the specific IVES participant entered on line 5a of the Form 4506-T or Form 4506-C. The Neverending Form 4506-C Nightmare . Your lender may ask you to provide the tax return information, and you have to send the form to the IRS. Revenue Service (IRS) has released an updated version of IRS Form 4506-C for use by authorized. Discover Financial Services requires your consent to receive tax information from the Internal Revenue Service (IRS) to verify information on your account. . Do not sign this form unless all applicable lines have been completed. 4506-C (September 2020) Department of the Treasury - Internal Revenue Service. OMB Number 1545-1872. What's New. Effective March 1, 2021, only the new IRS Form 4506-C will be accepted through the Income Verification Express Service (IVES) to provide tax transcripts to third parties. IRS form 4506-C - IVES Request for transcript of tax return - UN form; IRS form 4506-C - IVES Request for transcript of tax return - UN form. It allows the financial institution or credit issuer to look into your IRS tax returns. See instructions. The Access Code is the 5 digit zip code on file with Discover and the last 4 of your social security number (SSN). As of today, the requirements of all the government-sponsored enterprises and Federal agencies reflect their acceptance of Form 4506-C, except those of FHA. When I asked an agent questions about the application, I was. SSA Consent Based SSN Verification IRS Income Tax & Employer Verification. For more information about Form 4506-C, visit . DISCOVER FORM 4506-T??? I was approved for the Secured Discover and i put $500 down for it, they got the money and opened the account, havent received card yet even though sais it on the way. If the signed form is incomplete in any way, the originator must provide a new 4506-C with the correct information before Acra Lending. However now I cannot activate my card until I sign this 4506-C "IVES Request for Transcript of Tax Return" document and supply Discover with 3 months of bank statements. consent and holds the recipient subject to penalties, brought by private right of action, for any unauthorized access, other use, or. Form 4506-C: IVES Request for Transcript of Tax (Wells Fargo) On average this form takes 9 minutes to complete. ó. . See the product list below. Use Form 4506-C to request tax return information through an authorized IVES participant. 10. Right now with the COVID situation IRS has been delayed with processing so Disco has been accepting bank statements. The problem is I’ve made basically no money the past 2-3 years but this year my income is significantly higher. Attached is the f4506-c-2022-Schema that supplies the exact page layout coordinates,. It allows the financial institution or credit issuer to look into your IRS tax returns. This means that if any of the Spouse information is filled out, that spouse must sign the document. Form 4506-C was signed by an Authorized Representative. Request may be rejected if the form is incomplete or illegible. The borrowers consent is for example, when your loan is sold or secureatized (yes, I know that's not how you spell it, just sound it out) in the secondary market. IRS Form 4506-C is available online. Discover asking me for 4506-C form. api-268415505. . Designee(s). You can quickly request transcripts by using our automated self-help service tools. IRS issues updated IRS Form 4506-C. 4. Catalog Number 72627P Form 4506-C (Rev. 1a Name shown on tax return. The form may also be used to provide detailed information on your tax return to the third party if you need it. Do not sign this form unless all applicable lines have been completed. The IRS IVES Request for Transcript of Tax Return (IRS Form 4506-C) gives the lender permission from the borrower to obtain tax transcripts from the IRS. Once document is completed, press Done. • You authorize us to verify the information contained in your loan application and related documents, and you authorize any employer,. Catalog Number 72627P Form 4506-C (9-2020) Instructions for Form 4506-C, IVES Request for Transcript of Tax Return Section references are to the Internal Revenue Code unless otherwise noted. Form 4506-C is for authorized IVES participants only. You will be prompted to enter an Access Code. State or local information is not included with the Form W-2 information. Blank 4506T (2) Blank 4506T (2) Roger Pei. i think you should leave template. Form 4506-C was signed by an Authorized Representative. The IVES Request for Transcript of Tax Return (IRS Form 4506-C) provides the borrower’s permission for the lender to request the borrower’s tax return information directly from the. 4506-C (Rev. Established Contributor Mark as New; Bookmark;Catalog Number 72627P Form4506-C(9-2020) Instructions for Form 4506-C, IVES Request for Transcript of Tax Return Section references are to the Internal Revenue Code unless otherwise noted. Purpose of form. Do not use Form 843 if your claim is for. information provided pursuant to your consent and holds the recipient subject to penalties, brought by private right of action, for any unauthorizedUse form 4506-T to order a transcript or other return information free of charge. See the product list below. Fine, whatever. 4506-C (9-2020) Form . What is the IRS consent form 4506 C? What is a tax information authorization 8821?. ó. consent and holds the recipient subject to penalties, brought by private right of action, for any unauthorized access, other use, or. Request may be rejected if the form is incomplete or illegible. Request may be rejected if the form is incomplete or illegible. Use Form 4506-T to request any of the transcripts: tax return, tax account, wage and income, record of account and verification of non-filling. . For more information about Form 4506-C. OMB Number 1545-1872. Form 4506-T is used to request all products except copies of returns. See instructions. Get everything done in minutes. The IRS must receive Form 4506 within 120 days of the date signed by the taxpayer or it will be rejected. IVES Request for Transcript of Tax Return. This form will be a request for a tax return transcript. SBA Lenders mustThe following tips will allow you to fill out IRS 4506-C easily and quickly: Open the document in our feature-rich online editing tool by hitting Get form. For more information about Form 4506-C. 3. IVES Request for Transcript of Tax Return. The 4506 - T form says: “The IRS. Request may be rejected if the form is incomplete or illegible. I went ahead and signed the document, given I was told it was simply for identity verification. OMB Number 1545-1872. IVES Request for Transcript of Tax Return. Do not sign this form unless all applicable lines have been completed. . . Form 4506-C was created to be filed if different from the address entered on line 3. Request may be rejected if the form is incomplete or illegible. A separate IRS Form 4506-C must be returned with the SBA disaster loan application for: (1) each disaster loan applicant (individuals filing joint returns for the last 3 years may use a. 4506-C (Rev. gov and click on “Get a Tax Transcript. Información sobre el Formulario 4506-T-EZ (SP), Formulario Abreviado de Solicitud de Transcripción de la Declaración de Impuestos Individual, incluidas las actualizaciones recientes, formularios relacionados e instrucciones sobre cómo presentar. Form 4506-C was signed by an Authorized Representative. Request may be rejected if the form is incomplete or illegible. ” under “Tools” or call 1-800-908-9946. OMB Number 1545-1872. OMB Number 1545-1872. I was wondering if anyone had an idea of how long it took them to have their form accepted by Discover. income. . our automated self-help service tools. Sign Here . Fannie Mae requires lenders to have each borrower whose income (regardless of income source) is used to qualify for the loan to complete and sign a separate IRS Form 4506-C at or before closing. Name shown on tax return (if a joint return, enter the name. 4506-C (October 2022) Department of the Treasury - Internal Revenue Service. . Form 4506-C was signed by an Authorized Representative. IRS Form 4506-C completed and signed. Download, Print form and complete or complete version online and print. Title: Form 4506-C (9-2020) Author: 6127591 Created Date: 10/12/2021 9:04:22 AMcompleted and signed IRS Form 4506-C. The IRS requires the Form to report any changes in your ownership, business structure, or employees. already in progress, IRS will accept the prior version of IRS Form 4506-C through February 28, 2023. Microsoft releases new Windows 11 evaluation virtual machines with the Moment 4 update · in Front Page News4506-C (9-2020) Form . pursuant to the taxpayer’s consent and holds the recipient subject to penalties for any unauthorized access, other use, or redisclosure without the taxpayer’s expressThe IRS Form 4506-C is a form that can be utilized by authorized IRS Income Verification Express Service (IVES) participants to order tax transcripts electronically with the consent of the taxpayer. The servicer must submit the form to the IRS to obtain a copy of the borrower’s tax transcript in the. For IVES, Form 4506-C must have the IVES participant’s information on line 5a. IVES Request for Transcript of Tax Return. OMB Number 1545-1872. The borrowers consent is for example, when your loan is sold or secureatized (yes, I know that's not how you spell it, just sound it out) in the secondary market. The IRS must receive Form 4506 within 120 days of the date signed by the taxpayer or it will be rejected. List primary taxpayer on Line 1. Signature and date. For more information about Form 4506-C. ó. The 4506-T form says: “The IRS can provide a transcript that includes data from these information returns.