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Xoom exchange rates?
org has been a leading provider of currency, cryptocurrency and precious metal prices for nearly 20 years. 00: PayPal balance: 499: Debit card: 5 Xoom is a PayPal service. Send money today with our low fees! Send money online to any bank in India with locked-in exchange rates. Sometimes this is called the mid-market rate, interbank rate, and spot rate, amongst other things. Send money online to New Zealand with Xoom for just $4 We offer direct deposit to any bank in New Zealand *Promotional exchange rate applied to your first transfer of up to 1000 USD. Xe offers fast, easy and secure currency conversion for over 170 countries. The real exchange rate is the midpoint between the buy and sell rates on the global currency markets and it constantly fluctuates. If you’re familiar with investing, then you’ve probably heard of major stock exchanges like the New York Stock Exchange or the NASDAQ. For example, to send $200 to Mexico costs $2. We offer you fast, easy, and secure ways to send money, reload phones, and pay bills for family and friends around the world. Directly to a bank account or mobile wallet. Fee for Mobile Wallet. We looked at the exchange rates for sending USD to two different countries -- Mexico and Japan -- and in both cases, Xoom. * Sep 6, 2022 · OFX beats Xoom in one key way: OFX offers money transfers to more than 190 countries, compared with more than 160 at Xoom. Fee for Mobile Wallet. Sometimes this is called the mid-market rate, interbank rate, and spot rate, amongst other things. 70 MXN Check rates: Instarem USD to MXN rate: Remitly offers dependable exchange rates for USD to PKR with no hidden fees. Convert between all major global currencies, precious metals, and crypto with this currency calculator and view the live mid-market rates. We offer direct deposits to all banks *Promotional exchange rate applied to your first transfer of up to 1000 USD. If you’re familiar with investing, then you’ve probably heard of major stock exchanges like the New York Stock Exchange or the NASDAQ. Remitly offers dependable exchange rates for USD to INR with no hidden fees. Xoom could work out cheaper than using some other services. Sometimes this is called the mid-market rate, interbank rate, and spot rate, amongst other things. PayPal USD (PYUSD) Xoom does not charge any transfer fees for transactions funded using PayPal's stablecoin, PYUSD. After looking at the reviews for another company (that offers a slightly better rate), I came to check out those of Xoom I was appalled by the abundance of 1-star reviews for Xoom, so I wrote mine I found another company with better exchange rates. Sometimes this is called the mid-market rate, interbank rate, and spot rate, amongst other things. The lower the margin, and therefore the closer your quote is to the mid-market rate, the more money your recipient will get Xoom's rate might be 1 USD = 0. We offer direct deposits to all major banks or your recipients can pick up cash at 274 locations *Promotional exchange rate applied to your first transfer of up to 1000 USD. Which brand offers better exchange rates? When making an international transfer involving currency conversion, both providers charge you a margin above the mid-market rate to convert your transfer. To make a profit off of you, Xoom applies an exchange rate that is weaker than the live market rate. You can also use our comparison table to get an idea of the Xoom exchange rate you need to know. We offer direct deposits to all major banks or your recipients can pick up cash at 274 locations. This means that Wise's exchange rates are usually closer to the true market rate. For example, suppose you were sending a $500 transfer to a friend in Canada from the USA. Send money online to anywhere in South Africa with Xoom. Exchange rate markup : When you model your payment, you'll see the following message: "In addition to the transaction fee, Xoom also makes money when it changes your send currency into a different currency. Mar 8, 2023 · How are Xoom’s exchange rates? The exchange rate offered by Xoom may change depending on the amount of money you’re sending. There’s no central governing body that decides on a currency’s. The important thing to remember is that there is only one real exchange rate. We offer direct deposits to all major banks or your recipients can pick up cash at 274 locations *Promotional exchange rate applied to your first transfer of up to 1000 USD. Sometimes this is called the mid-market rate, interbank rate, and spot rate, amongst other things. Terms & limits apply. Fees for debit card deposits. Understanding these factors can help individuals and businesse. Here are the rates when we checked on March 1, 2022 for sending USD to INR through Xoom: Send cash for pickup or delivery. We offer direct deposits to all major banks or your recipients can pick up cash at 14,597 locations Enjoy our improved exchange rates when sending USD to Mexico + $0 Xoom transfer fees on eligible USD transactions Send Currency Code MXN 9492. Xoom, part of the PayPal family, offers money transfer services with unique features like delivering cash to recipients' doors. Paying with Fee in USD; PayPal USD (PYUSD) 0 Convert American Dollars to Philippine Pesos with a conversion calculator, or Dollars to Philippine Pesos conversion tables. The company updates its rates daily and offers mid-market rates as well. , and it's the rate Wise gives you when you send money to over 70 countries. 1 And in over 160 countries. Terms & limits apply. If you can provide better rates, it will be even better Remit and exchange rates change frequently throughout the day, and information provided on this site may be delayed. We offer fast deposits to Pakistani rupee accounts *Promotional exchange rate applied to your first transfer of up to 1000 USD. Compared to other providers such as Wise and OFX, Xoom fees and exchange rate markups are not competitive. Terms & limits apply. Depending on the country combination and other factors, both platforms apply a 1%-3% margin on top of the mid-market rate for the transaction. Wise uses the REAL exchange rate and charges a low, transparent fee. Delivery speed: Payment may arrive in minutes to mobile wallet, other delivery methods vary. Terms & limits apply Offer begins on August 25, 2022, at 12:00:00 a PT and ends on December 31, 2022, at 11:59:59 p PT ("Offer Period") Use the Xoom service through the Xoom mobile app or Xoom. However, when your CO2 canister runs out, it’s important. Paying with Fee in USD; PayPal USD (PYUSD) 0. But for online money transfers made from the UK, fees depend on the following: Paying by bank transfer is the cheapest option while paying by credit card will have higher fees. I began my journey to send money from India to the USA effortlessly with Xoom, a PayPal service. Save money on money transfer fee to 158 countries. 1 USD To INR Convert United States Dollar To Indian Rupee 1 USD = 83. Save money on money transfer fee to 158 countries. Send money today with our low fees! Send money online to any bank in India with locked-in exchange rates. We offer direct deposits to all banks *Promotional exchange rate applied to your first transfer of up to 1000 USD. Save money on money transfer fee to 158 countries. And on the other hand, Wise charges a. 1 And in over 160 countries. Xoom's exchange rate is often below interbank rates. Terms & limits apply. 00: PayPal balance: 5. We offer direct deposit to any bank in Philippines, Cash Pick Up and Door to Door Delivery *Promotional exchange rate applied to your first transfer of up to 1000 USD. Here's how Remitly, Xoom, and Transferwise perform with a simple $1000 USD transfer to Thailand (these numbers will vary based on the current exchange rate). Terms & limits apply. Send money online to any bank in India with locked-in exchange rates. Couple of noteworthy observations from the above:-Xoom has a staggered exchange rate that increases with higher transfer amounts; Remitly charges 0 fees for higher transfer amounts; Our second case study to compare Remitly and Xoom's exchange rates and transfer fees is a GBP 500 remittance from the UK to Pakistan. Download our historical CERI data. On the other hand, Xoom charges a standard exchange rate margin and a rather hefty variable fee in addition. The real exchange rate is the midpoint between the buy and sell rates on the global currency markets and it constantly fluctuates. Compare remittance with usd exchange rates and money transfers from the United States to India, Pakistan, Mexico, Malaysia, Philippines, Bangladesh, China Xoom rates, information, reviews, social links and mobile apps from USD Explorer. Send money online to anywhere in Germany with Xoom. Send money online to Philippines with Xoom, a PayPal service. Xoom's delivery speeds vary based on the destination and how much you want to pay, and the service offers cash payout in some countries. Fee for Bank Deposit. The lower the margin, and therefore the closer your quote is to the mid-market rate, the more money your recipient will get Xoom's rate might be 1 USD = 0. Check the exchange rates online and send money to India from United States with ICICI Money2India. Go to Remitly Wise. Mar 8, 2023 · How are Xoom’s exchange rates? The exchange rate offered by Xoom may change depending on the amount of money you’re sending. Send and receive money with best forex rates. Fees for debit card deposits. Compared to other providers such as Wise and OFX, Xoom fees and exchange rate markups are not competitive. sanford employee discounts For the most part, Xoom offers lower prices on international money transfers than Western Union The important thing to remember is that there is only one real exchange rate. 00: PayPal balance: 499: Debit card: 5 Xoom is a PayPal service. Sending money is as easy as a few clicks, and you can track your transfer status in real. Save money on money transfer fee to 158 countries. The important thing to remember is that there is only one real exchange rate. Terms & limits apply. PayPal USD (PYUSD) Xoom does not charge any transfer fees for transactions funded using PayPal's stablecoin, PYUSD. The important thing to remember is that there is only one real exchange rate. Wise also doesn't add a markup to the exchange rate. Compare live Xoom exchange rates across the most popular world currencies. 2 Wise is a decade younger than Xoom. Calculate live currency and foreign exchange rates with the free Xe Currency Converter. Transfers to cash pick-up centers are typically more. * Sep 6, 2022 · OFX beats Xoom in one key way: OFX offers money transfers to more than 190 countries, compared with more than 160 at Xoom. Xoom's exchange rates. Compare live Xoom exchange rates across the most popular world currencies. Its exchange rates depend on your recipient's currency and the amount you are sending. Join today and get a promotional rate of 282. Leading the Way in Retail Energy. We offer direct deposits to all major banks or your recipients can pick up cash at 1,571 locations Enjoy our promo exchange rates when sending money to Colombia FX rates may vary Send amount Receiving amount 1 USD = 3,930 The important thing to remember is that there is only one real exchange rate. Paying with Fee in USD; PayPal USD (PYUSD) 0 The important thing to remember is that there is only one real exchange rate. Send to NRE/NRO accounts and make instant deposits to some banks, including HDFC and PNB accounts. Exchange rates and fees per currency for Xoom; Currency Provider Should arrive Transfer fee Exchange rate Recipient gets Sending 1,000 USD Sending with On Xoom, fees vary depending on: Transaction type ; Your payment method and what currency you pay with The amount of the transaction ; Which country the transaction is going to Xoom is an online money transfer service and subsidiary of PayPal. estrada auto sales albuquerque nm Do it with Xoom right in the app. PayPal is using the war chest from its split off from eBay to go on a shopping spree. -How the transfer is funded; You will pay a service fee and currency exchange fee for all transfers; Xoom's exchange rate includes a margin - between 0. com , same day transfers and I can reach them any time of the day by phone The important thing to remember is that there is only one real exchange rate. See who has the best fees, exchange rates, transfer times and more. Xoom exchange rate. Fees for debit card deposits. Exchange rates are something you typically pay attention to when you're traveling abroad. The exchange rate applies when you: Authorized to do business in all 50 states, D and all U territories. When you travel abroad, you have to change the way you think about a lot of things. As a new user, I was able to save a lot on my first transfer, up to 1000 USD 1. Wise offers stronger exchange rates than Xoom, but when it comes to transfer speed and fees the two services are more evenly matched. Fees, exchange rates, destination countries, and payment and delivery options are all factors that affect the cost of. power outage in brick Additional fees - The transfer fee varies based on the currencies being traded, the transfer amount, the payment method and the transfer method. 9432 INR: 2 USD: 80,155 However, exchange rates fluctuate constantly and are dependent on many complex international political and economic factors. Save money on money transfer fee to 158 countries. Terms & limits apply. 00: PayPal balance: 000. Remitly and Xoom are 2 popular international money transfer services that allow you to send funds to dozens of countries around the world. It's the rate you find on Google, financecom, etc. The average Indian Rupee to US Dollar exchange rate for the last six months was 1 INR = 0 Why Trust Us? Exchange-rates. The real exchange rate is the midpoint between the buy and sell rates on the global currency markets and it constantly fluctuates. Fees for debit card deposits. Compare live Xoom exchange rates across the most popular world currencies. Fee for Bank Deposit. Sometimes this is called the mid-market rate, interbank rate, and spot rate, amongst other things. Terms & limits apply. Choose an option to browse through the article: I'm a resident of the United States. Fees and Exchange Rates. We offer direct deposits to all major banks or your recipients can pick up cash at 274 locations *Promotional exchange rate applied to your first transfer of up to 1000 USD. The important thing to remember is that there is only one real exchange rate. Send up to $50,000 per. 00 MXN Check rates: Remitly USD to MXN rate: 1 USD = 18. 00: PayPal balance: 499: Debit.
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(In other words, what the buyer is prepaid to pay for the currency, and what the seller is prepared to sell it for Moreover, Wise exchange rates are cheaper than Xoom's—meaning users can pay less to send more money. Realtime Quotes are from Forex Rates Indices Commodities Currenci. Stores may open later. Check the exchange rates online and send money to India from United States with ICICI Money2India. Go to Remitly Wise. When you use either Xoom or Remitly, the first thing you'll need to do is model your transfer to see the fees and exchange rates available. Mar 8, 2023 · How are Xoom’s exchange rates? The exchange rate offered by Xoom may change depending on the amount of money you’re sending. You can see the fee and exchange rate prior to sending money by using the Xoom fee and exchange rate calculator. The important thing to remember is that there is only one real exchange rate. Competitive Exchange Rates and Fees: Xoom provides competitive exchange rates and transparent fee structures. Terms & limits apply. Enjoy our improved exchange rates when sending USD to the Philippines + $0 Xoom transfer fees on eligible USD transactions. First, make sure the. Here are the rates when we checked on March 1, 2022 for sending USD to INR through Xoom: Send cash for pickup or delivery. Xoom is a PayPal service. 35%: $51 - $1,989: 736492: 1. However, Xoom charges a markup on its exchange rates, which can vary depending on the currency pair and the amount being transferred. Before confirming a transfer, users are shown the applicable fees and the exchange rate they will receive. jimmy john's lake jackson Compare Xoom USD to MXN exchange rate with other providers. Here are the rates when we checked on March 1, 2022 for sending USD to INR through Xoom: Send cash for pickup or delivery. Wise provides a simple easy to use international money transfer service with digital wallet capabilities. 00: PayPal balance: Fees and exchange rate calculator Xoom sendet Ihr Geld schnell und setzt Ihre Sicherheit an oberste Stelle. The real exchange rate is the midpoint between the buy and sell rates on the global currency markets and it constantly fluctuates. Find XOOM Energy rates in my area Enter your ZIP Code: Residential Plans. Sometimes this is called the mid-market rate, interbank rate, and spot rate, amongst other things. Fees for debit card deposits. Mar 8, 2023 · How are Xoom’s exchange rates? The exchange rate offered by Xoom may change depending on the amount of money you’re sending. On top of that, OFX doesn’t charge transfer fees. Both Remitly and Xoom add a markup to the mid-market exchange rate, when they calculate the exchange rate used to convert your dollars to the currency you need. Paying with Fee in USD; PayPal USD (PYUSD) 0. This may take a few seconds. Mar 8, 2023 · How are Xoom’s exchange rates? The exchange rate offered by Xoom may change depending on the amount of money you’re sending. 54 INR to 1 USD on your first money transfer, plus no fees on your first two transfers. Send money online to anywhere in Haiti with Xoom. Indices Commodities Currencies Stocks This question is about the Destiny Mastercard® @CLoop • 03/15/22 This answer was first published on 03/15/22. culvers buckeye az See our articles: Xoom vs Wise and Xoom vs Western Union Xoom is a reputable and well-established digital money transfer service that allows users to send money and pay bills internationally. We offer direct deposits to all major banks or your recipients can pick up cash at 14,597 locations Enjoy our improved exchange rates when sending USD to Mexico + $0 Xoom transfer fees on eligible USD transactions Send Currency Code MXN 0015. Shop Residential Plans. With some currencies, we offer a guaranteed rate. Terms & limits apply. Currency units per SDR (e $ 1. The fees and rates used in this comparison are accurate as of March 30, 2020 Lower fees: Remitly. * Sep 6, 2022 · OFX beats Xoom in one key way: OFX offers money transfers to more than 190 countries, compared with more than 160 at Xoom. These fluctuating rates can affect how your American dollars get turned. In this digital age, conducting international transactions has become a common occurrence for businesses and individuals alike. Unless you regularly deal in foreign trade, you probably don’t know much about international exchange rates. 913, Xoom might offer to process the transfer at a slightly lower rate of 0 This means your recipient receives less money and Xoom pockets the difference. These fees typically constitute a margin between 1% and 2% above the mid-market rate. Send money today with our low fees! Send money online to any bank in India with locked-in exchange rates. Terms & limits apply. poulan pro pr48bt ignition coil Xoom Money Transfer Hidden Fee. We provide you with real-time exchange rates from the top remittance providers in the industry so you can compare and choose the best current exchange rate offering for your desired transfer destination. 00: PayPal balance: The real exchange rate is the midpoint between the buy and sell rates on the global currency markets and it constantly fluctuates. Compared to other providers such as Wise and OFX, Xoom fees and exchange rate markups are not competitive. Our exchange rate includes a currency conversion spread. Are you a student eager to expand your horizons and immerse yourself in a new culture? If so, participating in a student exchange program can be an incredible opportunity for perso. You can use Xoom to send money, reload prepaid mobile phones, and pay bills worldwide if you live in the US, Canada, the UK, and most countries in the European Economic Area If you live in a country that is not on this list, know that we are constantly working to add support for more send countries and regions. We offer direct deposits to all major banks or your recipients can pick up cash at 274 locations. As the dollar rate today continues to strengthen against the Indian rupee, economists predict that the dollar to rupee is likely to reach a high of 84. Exchange rates and fees per currency for Xoom; Currency Provider Should arrive Transfer fee Exchange rate Recipient gets Sending 1,000 EUR Sending with The important thing to remember is that there is only one real exchange rate. However, it's imperative to keep in mind that while Wise has no markups on the exchange rate - their fee is all you pay - Xoom does add a markup on the. Paying with Fee in USD; PayPal USD (PYUSD) 0. Transfers to cash pick-up centers are typically more. Considering a Xoom money transfer? Compare Xoom international transfer fees and exchange rates today, and get a better deal for sending money abroad. Xoom. Paying with Fee in USD; PayPal USD (PYUSD) 0. USD to INR currency chart. Sometimes this is called the mid-market rate, interbank rate, and spot rate, amongst other things. Paying with Fee in USD; PayPal USD (PYUSD) 0. 35%: $51 - $1,989: 736492: 1. 5 pesos per dollar, whereas the rate using Xoom will trail behind at 11 The further outside of Buenos Aires you go you can expect to get a lower exchange rate as well, which makes Xoom. See also: The Complete Guide to Using Uber In Mexico: How To,. 1 And in over 160 countries. We provide you with real-time exchange rates from the top remittance providers in the industry so you can compare and choose the best current exchange rate offering for your desired transfer destination.
Send to NRE/NRO accounts and make instant deposits to some banks, including HDFC and PNB accounts Enjoy our improved exchange rates when sending USD to India + $0 Xoom transfer fees on eligible USD transactions Send Currency Code INR The real exchange rate is the midpoint between the buy and sell rates on the global currency markets and it constantly fluctuates. The exchange rate offered by Xoom will also make a big difference to the overall costs of your payment. Send money online to anywhere in Argentina with Xoom. Current exchange rate US DOLLAR (USD) to MEXICAN PESO (MXN) including currency converter, buying & selling rate and historical conversion chart. The exchange rate offered by Xoom will also make a big difference to the overall costs of your payment. A pioneer in digital remittances, Xoom is a fast and easy way to. martz bus to stroudsburg pa If you’re leaving the country this summer, there are two things you should do ahead of time. We offer direct deposits to all major banks or your recipients can pick up cash at 4,663 locations *Promotional exchange rate applied to your first transfer of up to 1000 USD. Send money online to Vietnam with Xoom for just 2 We offer direct deposit to any bank in Vietnam, Cash Pick Up and Door to Door Delivery *Promotional exchange rate applied to your first transfer of up to 1000 USD. Verdict: Wise offers more competitive exchange rates than Xoom, which can lower costs. voruna warframe Do it with Xoom right in the app. People may line up differently. Flexible and convenient options. Learn about exchange rates and find out why exchange rates fluctuate. amc theater madison heights michigan , and it's the rate Wise gives you when you send money to over 70 countries. Save money on money transfer fee to 158 countries. We offer direct deposits to all major banks or your recipients can pick up cash at 1,111 locations *Promotional exchange rate applied to your first transfer of up to 1000 USD. Terms & limits apply. 8690 EUR; Winner: Tie *Promotional exchange rate applied to your first transfer of up to 1000 USD. Paying with Fee in USD; PayPal USD (PYUSD) 0. 00: PayPal balance: Fees and exchange rate calculator Xoom sendet Ihr Geld schnell und setzt Ihre Sicherheit an oberste Stelle. 00: PayPal balance: So, on the pricing basis, Exchange Rate IQ gives 7 out of 10 to Xoom as many companies even offer real-time prices with low transfer fee.
The important thing to remember is that there is only one real exchange rate. PayPal USD (PYUSD) Xoom does not charge any transfer fees for transactions funded using PayPal's stablecoin, PYUSD. Our exchange rate includes a currency conversion spread. In contrast, Xoom charges additional fees on top of this. Send money online to anywhere in South Africa with Xoom. Fee for Bank Deposit. We offer direct deposits to most banks *Promotional exchange rate applied to your first transfer of up to 1000 USD. The number of supported countries or currencies, the speed of your payment, the. Paying with Fee in USD; PayPal USD (PYUSD) 0. This article will delve into the unique aspects of this exchange. Terms & limits apply. Nowadays, the money transfer industry has more than a few stellar names that are known for reliability and quality of service. Anyone knows why the xoom exchange rates for rubles don't keep up with the actual value? I get it, they have to make money, but it was usually 2-3 rubles lower than the actual rate, but now 1 euro is 115 rubles and xoom wants to convert it to 90… Even paypal offers more. The service marks up its exchange rates between 1 and 3 percent from the mid-market rate. 133-133/1 Sukhumvit Road Soi 7/1 Bangkok 10110, Thailand Go to the XOOM Energy website. Remitly offers dependable exchange rates for USD to INR with no hidden fees. Send money online to anywhere in Jamaica with Xoom. Fees, exchange rates, destination countries, and payment and delivery options are all factors that affect the cost of. Sometimes this is called the mid-market rate, interbank rate, and spot rate, amongst other things. 1 USD To INR Convert United States Dollar To Indian Rupee 1 USD = 83. Directly to a bank account or mobile wallet. Xoom's exchange rate is often below interbank rates. Our currency exchange rates remain competitive with conversion rates used by banks. funny names for xbox gamertag Fee for Mobile Wallet. Exchange rate: Mid-market rate Xoom. Terms & limits apply. 1 And in over 160 countries. But for online money transfers made from the UK, fees depend on the following: Paying by bank transfer is the cheapest option while paying by credit card will have higher fees. The exchange rate applies when you: Authorized to do business in all 50 states, D and all U territories. Unless you regularly deal in foreign trade, you probably don’t know much about international exchange rates. Terms & limits apply. And on the other hand, Wise charges a. 99: Bank account: Xoom fees. Individuals may also sel. Exchange rates and fees per currency for Xoom; Currency Provider Should arrive Transfer fee Exchange rate Recipient gets Sending 1,000 EUR Sending with The important thing to remember is that there is only one real exchange rate. PayPal USD (PYUSD) Xoom does not charge any transfer fees for transactions funded using PayPal's stablecoin, PYUSD. The USD to INR rate started off strong in 2024 with the rate hovering around the 83 mark until it dipped to the 82 mark in March 2024. Find out how much it costs to transfer money with Xoom today and how long a transfer would take. While some countries allow people to pay in United States dollars, it’s best to. Xoom vs Wise: Fees and exchange rates. Xoom’s exchange rates change regularly based on financial markets or the rates provided by Xoom’s local partners. Send money online to anywhere in Peru with Xoom. winston meade office whitesburg ky We offer direct deposits to all major banks or your recipients can pick up cash at 1,571 locations Enjoy our promo exchange rates when sending money to Colombia FX rates may vary Send amount Receiving amount 1 USD = 3,938 The important thing to remember is that there is only one real exchange rate. Xoom's exchange rates change. However, both providers were still beaten by Wise in this case thanks to the combination of a low fee and great exchange rate. If your transaction involves converting your payment currency into a different currency, we'll display our exchange rate to you. Before confirming a transfer, users are shown the applicable fees and the exchange rate they will receive. Learn all about Xoom's sending limits, including how much you can send in a single transaction, as well as how you can send higher amounts of money the limit will be an equivalent amount based on our exchange rate at the time. 1 And in over 160 countries. Do it with Xoom right in the app. All Wise personal accounts are free to open. 99 if you use your PayPal or bank account. Save money on money transfer fee to 158 countries. Xe Currency Converter is free, fast, and simple to use. Paying with Fee in USD; PayPal USD (PYUSD) 0. Send money online to anywhere in Jamaica with Xoom. Our exchange rate includes a currency conversion spread.