Helcim Canada

Privacy Policy Terms of use Terms of use. Thanks to Helcim. com homepage info - get ready to check Helcim best content for Canada right away, or after learning these important things about helcim. This plugin integrates Helcim Commerce with your WooCommerce store. There is no simple answer to this question. Beskrivning. Come on, you have to be kidding, I'm in Canada who orders only a credit card terminal. Discover flexible & honest processing for your business in Canada & the USA. e-mail and inquiries are returned promptly and no surprise fees at the end of month. Every feature was designed to be intuitive and easy use. Review other vendors that offer similar solutions and compare them against Helcim Inc. MerchantNegotiators. Over the time it has been ranked as high as 224 699 in the world, while most of its traffic comes from Canada, where it reached as high as 9 868 position. com Get Deal The Top 5 Tricks Misleading Techniques Used by Canadian Credit Card Processors. Some features may require additional fees. In fact, you could argue that the Canada-based Helcim is one of the most transparent, number-driven companies to partner. Camille indique 4 postes sur son profil. Learn more about HELCIM ONLINE TRANSACTION SOLUTIONS | Calgary, AB. Interchange also promotes credit availability for small businesses and is a key driver for financial inclusion when set at the optimal level. Reviews, 2 Reviews and a Community Feedback Score of 5. No surprises. Helcim is actually far cheaper than Elevon, and it gets cheaper as you increase volumes. Helcim is a merchant account provider headquartered in Alberta, Canada. They're also one of the best providers in the United States, too. 0% come directly and 8. Requirements for payment card networks By adopting the Code, payment card networks agree to provide any requested information regarding actions taken by themselves or participants to the Financial Consumer Agency. MSI Announces New GeForce® RTX 2060/2070/2080 SUPER™ Series Graphics Cards. , Italian ùndici (but in Spanish and Portuguese, 16, and in French, 17 is the first compound number), Chinese 十一 shí yī, Korean 열한 yeol han. Given your processing volume, you might save money using Payline 's low-volume plan instead. Merchant Services Canada Interchange Rates (%) – In this report, MONEXgroup highlights the upcoming changes being applied to credit card processing domestic interchange reimbursement fees, being introduced in April, 2015 by VISA & MasterCard Canada. About Helcim: Helcim Inc. Some processors set you up with your own merchant account, while others add your business to a shared account. 3 jobs at All jobs in Cochrane, AB at Helcim. Helcim | Helcim offers retail, virtual, mobile, eCommerce and MOTO credit card processing and merchant account services to businesses in Canada and the USA. Generate more donations with the right payment solution. Helcim is a Canadian processor that's been in business since 2006 and entered the U. 00 out of 5. Virtual Terminal - Helcim™ Easy-to-Use. The Helcim Virtual Terminal is the ideal solution for service-businesses looking to accept credit card payments. Now i use the ICT250 with Tap so. Not all features available in every country. Accept donations and process payments all with discounted Cost+ pricing. But even so, the end price for this service seems a little. Still a student when he founded Helcim – the company now serves over 6,000 merchants in Canada and the U. has become the first Canadian credit card processor to publicly announce that it will honor the upcoming Visa and MasterCard. Working for Helcim has been the best experience that I've had in my professional life. Find directions and contact info, read reviews and browse photos on their 411 business listing. Helcim offers traditional payment processing equipment as well as a feature suite called “Helcim Commerce,” which is intended to serve as an all-in-one business. About Payment Facilitators. 11% of its total traffic. The old way of taking payments is finally made new. Helcim is actually far cheaper than Elevon, and it gets cheaper as you increase volumes. Helcim started off in Canada in 2006 and expanded its services to the United States in 2013. is a Visa, MasterCard, American Express, Discover and Interac Debit processor and merchant account provider. Rodolfo Ferro Casagrande Senior UI/UX Designer at Helcim Inc. 31, 2013 /CNW/ - After 7 years in Canada, Helcim Inc. Reddit gives you the best of the internet in one place. The Helcim Virtual Terminal provides a payment gateway to facilitate payments, and a cloud-based back end that ensures merchants have a history of payments, tokenized customer credit card payment information, email invoices, automatic bank deposits, automatic receipts, customization payment pages and more. Find related and similar companies as well as employees by title and much more. Helcim’s CEO and Founder is Nicolas Beique. Now i use the ICT250 with Tap so. , Italian ùndici (but in Spanish and Portuguese, 16, and in French, 17 is the first compound number), Chinese 十一 shí yī, Korean 열한 yeol han. and see how they compare. Finding the right credit card processing service is crucial to any e-commerce operation. Elavon is not responsible for the content of, or products and services provided by , nor does it guarantee the system availability or accuracy of information contained in the site. 104 and it is a. There is no simple answer to this question. Hosts a cloud-based merchant platform for small businesses. Helcim knows that when apps and software don't work together, it results in frustration and lost productivity. Helcim is the best credit card processor for small businesses, with transparent, locked-in and affordable pricing. Pay and accept payments with G2A PAY - an online payment gateway that provides access to local payment methods, credit cards, PayPal and debit cards. , Q9 Networks Inc. Skip to main content The site you requested may not be relevant in your area. View competitors and alternatives of Helcim Inc. Helcim Commerce Payment Module for WooCommerce Start accepting credit card payments online. Welcome to the Helcim Online Store. As soon as you step into the world of payments, you are surrounded by new terminology that isn’t always self-explanatory. Transactions only accepted in the country in which Converge was sold. 20, 2014 /CNW/ - Helcim Inc. This is old news, I had seen that page quite a while ago while googling about level 3 data; a payment processing company saying their service with level 3 data is coming to Canada doesn't mean much other that the company is really good at search engine optimization. See Helcim's top competitors and compare monthly adoption rates. 104 and it is a. To help show all the ways you can sell with Shopify, there’s a slow animation of three different images: a sleek, white chair being sold on an ecommerce website, the same chair appearing on an online market place, and an in-store transaction using POS. While, as mentioned above, 11 has its own name in Germanic languages such as English, German, and Swedish. Everyone from the top down at Merchant Services LTD understands that each business is someone’s baby, and deserves to be treated as such. Virtual Terminal - Helcim™ Easy-to-Use. is a privately-owned Canadian card processor with offices in Calgary and in Seattle, Washington. They're also one of the best providers in the United States, too. We truly appreciate your support of our work in Lincoln and West Niagara. We estimate the users' engagement to helcim. Helcim Inc 8 reviews Calgary, AB Thousands of merchants across Canada and the US choose Helcim for their payment needs because of our excellent customer service and innovative software…. They have all of their prices listed on their website, which means absolutely NO hidden fees or any type of contract. Every feature was designed to be intuitive and easy use. Founded in Calgary , Helcim is a team of talented individuals determined to. I interviewed at Helcim (Calgary, AB (Canada)) in January 2019. It's fast, it's free, it's easy, and best of all it can actually save you money. Your mobile carrier may charge access fees depending upon your individual plan. Helcim Payments All Categories Clothing Arts & Collectibles Furniture Home - Indoor Other Toys & Games Sporting Goods & Exercise Baby Items Electronics Home Outdoor Home Appliances Home Renovation Materials Tools Phones Video Games & Consoles Computer Accessories Jewellery & Watches Hobbies & Crafts Bikes Musical Instruments CDs, DVDs & Blu-ray. bank trying to establish a foothold in Canada and it was willing to support a 23-year-old local entrepreneur. Shipping and TrackingDeliveries to Canada or the US take on average 3-5 business days to arrive (to locations within our shipper's normal service area Merchant Policies | Helcim Online Store Skip to main content. Helcim is actually far cheaper than Elevon, and it gets cheaper as you increase volumes. Operating in Canada and the US, we are team of talented individuals. The Payment Gateway API by Helcim connects businesses in Canada and the USA with credit card processing services. Privacy Policy Terms of use Terms of use. Would appreciate some feedback and/or opinions. This Code is overseen by the Financial Consumer Agency of Canada, which is responsible for monitoring the compliance of signatories. Came from Square for CC processing and Helcim for Debit (Square doesn't have it in Canada yet) and switched to Elavon. Read verified and trustworthy customer reviews for Helcim or write your own review. The Helcim Virtual Terminal provides a payment gateway to facilitate payments, and a cloud-based back end that ensures merchants have a history of payments, tokenized customer credit card payment information, email invoices, automatic bank deposits, automatic receipts, customization payment pages and more. Fortunately, Helcim came to the attention of a U. Helcim - 5720 4th St SE, Calgary T2H 1K7 - Classificação de 3. js, customers never leave your website during the checkout proces. Visa Canada Interchange Reimbursement Fees The following tables set forth the interchange reimbursement fees applied on Visa financial transactions completed in Canada. Helcim Commerce comes with a full developer API, with more than 80 different API actions that developers can perform. Still a student when he founded Helcim – the company now serves over 6,000 merchants in Canada and the U. Merchant Services Canada Interchange Rates (%) – In this report, MONEXgroup highlights the upcoming changes being applied to credit card processing domestic interchange reimbursement fees, being introduced in April, 2015 by VISA & MasterCard Canada. They're also one of the best providers in the United States, too. com Website Statistics and Analysis about admin. We have been a customer of Helcim for around 3 years now and original processed all transactions through PayPal. Come on, you have to be kidding, I'm in Canada who orders only a credit card terminal. Enable the self-service Customer Portal and allow your customers to login and keep their own information up-to-date. and Canadian merchant accounts. Calgary, Alberta, Canada Servizi finanziari. EMV is a payment method based upon a technical standard for smart payment cards and for payment terminals and automated teller machines that can accept them. Helcim is a Canadian processor that's been in business since 2006 and entered the U. Working for Helcim has been the best experience that I've had in my professional life. If you have tips, experience, or helpful notes related to this gateway that would benefit others, please add them below, including your name and the date. 10 location across Ontario Canada with new and used finds of all kinds for you to browse and shop. bank trying to establish a foothold in Canada and it was willing to support a 23-year-old local entrepreneur. The services Helcim offers are aimed at merchants who operate in the retail, MOTO (mail order/telephone order) or eCommerce sectors. Following approval of your organization's membership, other individuals in your organization will have access to CPPC services by registering individually on the CPPC website. No more fumbling for cash or. is a payment processor originally founded in Canada. and learn why the crowd and the community has given them a 5. This plugin integrates Helcim Commerce with your WooCommerce store. This list of the best Canadian merchant account providers will help you determine the best option for credit card processing in Canada. ca Please enter what you're searching for. 9 based on 19 Reviews "Me and my customer loves using it. and Canada. >> Visa is making changes to its dispute resolution process. 104 ISP:Q9 Networks Inc. 00 out of 5. By Nicolas for when shopping for credit card processing services in Canada. Founded in 2006, Helcim is an independent Visa, MasterCard, American Express, Discover and Interac processor and merchant account provider. In fact, you could argue that the Canada-based Helcim is one of the most transparent, number-driven companies to partner. Fortunately, Helcim came to the attention of a U. Helcim is a merchant services provider based in Canada with a significant presence in the US. The Helcim Virtual Terminal is the ideal solution for service-businesses looking to accept credit card payments. Month-to-month retail, eCommerce, virtual & mobile credit card payments. Visa Canada Interchange Reimbursement Fees The following tables set forth the interchange reimbursement fees applied on Visa financial transactions completed in Canada. In fact, you could argue that the Canada-based Helcim is one of the most transparent, number-driven companies to partner. Helcim started off in Canada in 2006 and expanded its services to the United States in 2013. Description. Accept online payments in the form of Interac Visa, Interac Debit, Visa, American Express, MasterCard, Discover Network, Union Pay and other popular forms of payment. com, the world's largest job site. Beskrivning. Nicolas Beique Founder & CEO, Helcim Inc. The processing company uses interchange-plus pricing and offers transparent rates and fees. e-mail and inquiries are returned promptly and no surprise fees at the end of month. CALGARY, Nov. NXGEN provides best in class payment solutions with over 20 offices across the globe. Requirements for payment card networks By adopting the Code, payment card networks agree to provide any requested information regarding actions taken by themselves or participants to the Financial Consumer Agency. This wikiHow teaches you how to create a barcode for use on a product. In this section you will find important DNS resource records for helcim. The Helcim Virtual Terminal provides a payment gateway to facilitate payments, and a cloud-based back end that ensures merchants have a history of payments, tokenized customer credit card payment information, email invoices, automatic bank deposits, automatic receipts, customization payment pages and more. See Helcim's top competitors and. This plugin integrates Helcim Commerce with your WooCommerce store. All I have this morning is an email apologizing that it will take more time to correct the problem. Every member of the company is eager to come to work each day and are on the same page looking to innovate and excel all the way from the CEO to the newest employees. Elavon's award-winning payment processing platform, our customer focus and transparent fee structure means we have payment solutions that fit your business. 1 Visa uses interchange reimbursement fees as transfer fees between issuers and acquirers to balance and grow the payment system for the benefit of all participants. Phoned Helcim yesterday afternoon and was promised I would have the necessary instruction to correct the problem yesterday. , which is a wholly owned subsidiary of US Bancorp. Reach the world with confidence. The Helcim Virtual Terminal is the ideal solution for service-businesses looking to accept credit card payments. Ingenico Group is the global leader in seamless payment, providing smart, trusted and secure solutions to empower commerce across all channels, in-store, online and mobile. com page load time and found that the first response time was 209 ms and then it took 1. I know that Helcim resells Elavon, but, I'm not pleased that Costco won't waive the $149 setup fee. The pricing is very transparent and pretty much better then anything else I could get from another company. com owner and other personalities/entities that used to own this domain in the past are listed below. Aug 26, 2016- Finally, a board to share creative retail fixtures, designs and displays. Helcim strongly believes that Calgary is well positioned to be the next big tech city in Canada and will continue to add value and create more opportunity for the city. Founded in Calgary , Helcim is a team of talented individuals determined to. Helcim - Financial company in Calgary, AB - 5720 4 Street Southeast, Calgary, Alberta. Reviews, 2 Reviews and a Community Feedback Score of 5. , Q9 Networks Inc. Helcim offers physical credit and debit machines, web-based Virtual Terminal, Ecommerce Payment Gateways and Mobile Processing. com extension. easycounter. Calgary-based Helcim (see our review) is hands-down the best overall merchant account provider available in Canada today. com work with 280 banks globally - and counting!. It was owned by several entities, from Helcim Inc. to Nicolas Beique of Helcim Inc. Helcim | Helcim offers retail, virtual, mobile, eCommerce and MOTO credit card processing and merchant account services to businesses in Canada and the USA. com Get Deal The Top 5 Tricks Misleading Techniques Used by Canadian Credit Card Processors. When using your tablet or phone, you can also download the Helcim Commerce Mobile App on an unlimited number of devices. The processing company uses interchange-plus pricing and offers transparent rates and fees. Helcim, Financial company in Calgary, Alberta, 5720 4 Street Southeast, Calgary, AB T2H 1K7 – Hours of Operation & Customer Reviews. js, customers never leave your website during the checkout proces. Descripción. 17 /CNW/ - Helcim Inc. A small fixed fee in exchange for a lower % rate is what higher volume businesses should be seeking. Enable the self-service Customer Portal and allow your customers to login and keep their own information up-to-date. If we don't have it today, check back tomorrow, our inventory changes daily. The company began offering services to US businesses in 2013, and currently offers processing for payments using traditional credit card equipment, using a virtual terminal, or via mobile device. As of fall 2017, Helcim serves more than 6,000 businesses in the US and Canada, and annually processes $2. , it was hosted by Q9 Networks Inc. Accept online payments in the form of Interac Visa, Interac Debit, Visa, American Express, MasterCard, Discover Network, Union Pay and other popular forms of payment. Transactions only accepted in the country in which Converge was sold. Mastercard defines a Payment Facilitator as a merchant that is registered by an acquirer to facilitate transactions on behalf of sub-merchants. About Helcim: Helcim Inc. There is no simple answer to this question. About EY Entrepreneur Of The Year Awards. a breath of fresh air in an industry that is lacking. Working for Helcim has been the best experience that I've had in my professional life. Reddit gives you the best of the internet in one place. They have all of their prices listed on their website, which means absolutely NO hidden fees or any type of contract. What about companies located in America? It’s a solid option as well. com - Helcim Website. It was owned by several entities, from Helcim Inc. But over the years we've found that there are some good guidelines to follow, and by using these guidelines we've created this short list of the best small business credit card processing companies, whittling down the field of providers to a manageable number. , which is a wholly owned subsidiary of US Bancorp. Canada's choice for credit & debit card payment processing - offering low transaction fees, high speed processing and the option to own or lease your terminal. com - Helcim Website. Helcim Review: Fees Comparisons, Complaints, & Lawsuits. org Plugin Page. Pay and accept payments with G2A PAY - an online payment gateway that provides access to local payment methods, credit cards, PayPal and debit cards. Neal's Yard Remedies - do good, feel good, look good. See Helcim's top competitors and compare monthly adoption rates. js, customers never leave your website during the checkout proce. Helcim strongly believes that Calgary is well positioned to be the next big tech city in Canada and will continue to add value and create more opportunity for the city. Merchant Services LTD is dedicated to providing white glove credit card processing, and has done just that for over a decade. Alternatively, find out what’s trending across all of Reddit on r/popular. But with a myriad of payment options hitting the market, deciding which service will serve you best is. Following approval of your organization's membership, other individuals in your organization will have access to CPPC services by registering individually on the CPPC website. We have been a customer of Helcim for around 3 years now and original processed all transactions through PayPal. Nicolas remains the lead developer, and along with his team, is building innovative software solutions to empower businesses to succeed. When using your tablet or phone, you can also download the Helcim Commerce Mobile App on an unlimited number of devices. Reviews, 2 Reviews and a Community Feedback Score of 5. Are you a Canadian online business? If so, Helcim is right for you in terms of merchant account providers. com Website Statistics and Analysis about admin. , a Canadian credit & debit card processor, is proud to announce its partnership with the Registered Massage Therapists' Association of Ontario. is a payment processor originally founded in Canada. com - Excellent gateway for Canadians. Privacy Policy Terms of use Terms of use. Additional supporting data includes serial numbers, refresh rates, retry times, TTL, priority, and length to expire will be shown. The services Helcim offers are aimed at merchants who operate in the retail, MOTO (mail order/telephone order) or eCommerce sectors. To make an online donation, please complete the form below. Find related and similar companies as well as employees by title and much more. They're also one of the best providers in the United States, too. By creating a wide range of online and retail platforms, we continue efforts in accommodating the transaction needs of businesses of all kinds. It's fast, it's free, it's easy, and best of all it can actually save you money. I'm with Elavon via Costco and so far, so good. Founded in 2006, Helcim is an independent Visa, MasterCard, American Express, Discover and Interac processor and merchant account provider. Helcim, Inc. But even so, the end price for this service seems a little. Helcim is the best credit card processor for small businesses, with transparent, locked-in and affordable pricing. Please note that the third party site may have privacy and information security policies that differ from those of Elavon. 31, 2013 /CNW/ - After 7 years in Canada, Helcim Inc. Skip to main content The site you requested may not be relevant in your area. Helcim is a payments company that lets small business owners accept credit cards and run their entire business from a cloud-based, all-in-one merchant platform. A preview of what LinkedIn members have to say about Nicolas: Working with Nicolas & Helcim is a dream. Reach seamlessly integrates with your current ecommerce solution to instantly optimize your online business so you can enter new markets and provide the best service for your customers worldwide. Accept online payments in the form of Interac Visa, Interac Debit, Visa, American Express, MasterCard, Discover Network, Union Pay and other popular forms of payment. and see how they compare. The Calgary-based service and software provider is fighting that frustration with the launch of Helcim Commerce, an all-in-one business platform that empowers businesses of all sizes by. Helcim Commerce is included in all of our merchant packages. Nicolas Beique Founder & CEO, Helcim Inc. As of fall 2017, Helcim serves more than 6,000 businesses in the US and Canada, and annually processes $2. Setting interchange rates is a challenging proposition that involves an extremely delicate balance. In Canada, Helcim. Your email address. Phoned Helcim yesterday afternoon and was promised I would have the necessary instruction to correct the problem yesterday. They're also one of the best providers in the United States, too. As of fall 2017, Helcim serves more than 6,000 businesses in the US and Canada, and annually processes $2. Helcim Commerce comes with a full developer API, with more than 80 different API actions that developers can perform. Are you a Canadian online business? If so, Helcim is right for you in terms of merchant account providers. Setting interchange rates is a challenging proposition that involves an extremely delicate balance. , which is a wholly owned subsidiary of US Bancorp. a breath of fresh air in an industry that is lacking. This CoolSocial report was updated on 21 Nov 2012, you can refresh this analysis whenever you want. Discover flexible & honest processing for your business in Canada & the USA. Sep 9, 2018 CB Staff. Formed in 2002, CIPA has spent 17 years working with regulators, pharmacists, physicians, patients, members of government and consumer special interest groups to continually enhance the standards by which mail-order pharmacy websites operate to protect patient safety, as well as patient savings. Affordable credit card processing and merchant services, with an All-In-One Commerce platform that enables merchants do more with. Calgary-based Helcim (see our review) is hands-down the best overall merchant account provider available in Canada today. Thanks to Helcim. Came from Square for CC processing and Helcim for Debit (Square doesn't have it in Canada yet) and switched to Elavon. Come on, you have to be kidding, I'm in Canada who orders only a credit card terminal. Helcim offers fixed rate services, so those processing at higher volumes will noticeably see a difference. The credit card processing industry in Canada and the USA has an 'integrity gap' and thrives by misleading merchants with complicated rate structures, long-term contracts and loose sales tactics. They have all of their prices listed on their website, which means absolutely NO hidden fees or any type of contract. and learn why the crowd and the community has given them a 5. Helcim's CEO and Founder is Nicolas Beique. A small fixed fee in exchange for a lower % rate is what higher volume businesses should be seeking. This wikiHow teaches you how to create a barcode for use on a product. Under the subsidiary HELCIM USA INC. Helcim Inc - Calgary - phone number, website, address & opening hours - AB - Credit, Debit & Loyalty Card Payment Systems. This Web site is not controlled by Elavon. When choosing a merchant account for your Canada-based business, it's important to take into account. 9 sec to load all DOM resources and completely render a web page. Create profiles, save addresses and securely store credit cards in the card-vault. com » Admin Helcim (Admin. and Canada. Enable the self-service Customer Portal and allow your customers to login and keep their own information up-to-date. com homepage info - get ready to check Helcim best content for Canada right away, or after learning these important things about helcim. Over 30,000 retail and hospitality customers trust Epos Now systems and software to help them grow their businesses. to Nicolas Beique of Helcim Inc. 11% of its total traffic. It was owned by several entities, from Helcim Inc. Come on, you have to be kidding, I'm in Canada who orders only a credit card terminal. See why NXGEN is the #1 global payments provider. Thanks to Helcim. Now i use the ICT250 with Tap so. While, as mentioned above, 11 has its own name in Germanic languages such as English, German, and Swedish. We are not sure about them but we, Ozan. It's VERY challenging to find a POS system in Canada that syncs with Quickbooks Online so Square does the job at the mo. See Klarna's top competitors and compare monthly adoption rates. Come on, you have to be kidding, I'm in Canada who orders only a credit card terminal. The latest Tweets from Helcim (@Helcim). By Nicolas for when shopping for credit card processing services in Canada. Find related and similar companies as well as employees by title and much more. The latest Tweets from NYR Canada (@NYR_Canada). 29% of its total traffic. Unfortunately Helcim will only work in the US and Canada. I understand they have an app and reader for android. Costco Canada Payment Processing - Discover a customized payment processing solution for your business, including a special offer for Costco members. 5 billion in payments from over 15 million transactions. Fortunately, Helcim came to the attention of a U. com receives about 35. Build the business you want in a few clicks without having to hire a programmer, developer, or web designer to get started. No matter what your business, you gain access to an amazing all-in-one merchant platform. Descripción. Helcim is based in Alberta, Canada. However, there can be more overhead costs tied to Helcim. is a Visa, MasterCard, American Express, Discover and Interac Debit processor and merchant account provider. See Helcim's top competitors and. About Payment Facilitators. Helcim offers physical credit and debit machines, web-based Virtual Terminal, Ecommerce Payment Gateways and Mobile Processing. What about companies located in America? It’s a solid option as well. Pay and accept payments with G2A PAY - an online payment gateway that provides access to local payment methods, credit cards, PayPal and debit cards. , Italian ùndici (but in Spanish and Portuguese, 16, and in French, 17 is the first compound number), Chinese 十一 shí yī, Korean 열한 yeol han. Our cement, aggregates & ready-mix concrete are used in a wide range of building projects. It's VERY challenging to find a POS system in Canada that syncs with Quickbooks Online so Square does the job at the mo. Interchange also promotes credit availability for small businesses and is a key driver for financial inclusion when set at the optimal level. Description. Discover how to maximize your point of sale conversions today with creative merchandising from industry leaders. Earlier, Helcim owners included Helcim Inc.