Medicare Scare Tactics - Excess Charge LIE Exposed | Plan N Medigap

[@chuckg6039]

I'm on a Plan N here in Ohio. Very happy. I did my homework up front. Did my own research. I'm a 31 year career P&C Underwriting Staff guy (Fortune 100 Company) with a CPCU so it was easy for me to transition to understanding Medicare. But not everyone has knowledge and experience I have. That's why this video is better than awesome. You did a wonderful-wonderful job explaining things. Great job!

[@tejanodallas]

My husband got Plan N with AARP UHC in Texas and the rate increases have been a little higher than you have stated in your video. They were 5.1 percent in 2022 snd 7.1 percent in 2023. The lowest copay he has paid is 16 dollars, but i would say the average has been around 18 dollars. Overall, we are happy with Plan N and he gets Renew Active as an added bonus with this plan. Thanks Chris for this very informative video.

[@Steve-ux1fc]

Been on medicare for 6 years. I stumbled on your channel a few years ago. I did a ton research on my own and picked a plan G. Almost everyone I know has an Advantage plan and is happy with it, but despite what most brokers I talked to had to say, I went with my gut and got a supplement plan. If it had not been for you I probably would have switched over to an Advantage plan during one of the open enrollment periods. Thank you for the education!! I checked with my insurance company today and found out I can switch from G to N if I wanted to, but to go from N back to G would require underwriting. At 69 I would save $17.61 my wife at 76 would save $20.81 a month. Again thanks for a great KZbin channel.

[@ChristopherWestfall]

We should shop that for you. Don't stick with the same carrier. 1-800-729-9590

[@g8way2k1]

Wife & I passed underwriting after being in the Advantage Plan for 2 years. We consider ourselves fortunate. We are in our first year back to Original Medicare with a Plan G supplement. Can't even begin to express the peace of mind Plan G brings. Of course it absolutely makes sense to consider Plan N, but having 5 out of 6 voids covered and not knowing what the future brings makes Plan G a winner for us at our ages. You have to know that we are on auto-pilot with this supplement, so as long as premiums are paid and on time we can't be cancelled. And since Plan G is popular having many people in "the pool" so to speak, premium increases from year to year might just be kind for the individual. We're happy campers!

[@ellendubiel4224]

I will be choosing my Medicare in August and I have a much better understanding after listening to you. Thank you for making this video. I hope you don't get into trouble by helping us seniors. You're doing a big favor to those of us who don't know any better.

[@ChristopherWestfall]

Please let us help with those options.. It's what I do: SeniorSavingsNetwork.org/openenrollment

[@markshaffer68]

Before I had SSN sign me up with a Plan N I was working with a lady from another company that didn't even offer Plan N. I researched the plans and thought I wanted Plan N so I stopped working with her and switched to SSN. Thank goodness!

[@ChristopherWestfall]

Thank you so much for allowing us to help!

[@insurewithss4430]

As an agent , I love this and have been writing more N plans.

[@shade0762]

Never never ever pick Advantage unless you cannot afford anything else!

[@lindachick8889]

I really appreciate you straight approach. Not enough clarity out there. I am taking this all in . 😊

[@williamjacobs288]

Thank you Christopher for all you do. Have had no problems with the plan N you guys signed us up for.

[@ChristopherWestfall]

Thank you!

[@retiredandroaming]

I turn 65 on May 1 next year so will be moving from ACA to Medicare as of April 1. I was planning to call one of the big medicare Plan G proponents on KZbin in early January to get setup for April 1 coverage but your videos have made me realize that you are the trustworthy broker here. I'll be calling your office, and not one of those other guys!!! Thanks for the videos. They are very helpful!

[@ChristopherWestfall]

Rather than calling, please pick a convenient time here: SeniorSavingsNetwork.org/openenrollment

[@8thman8]

Thank you for all your great work and information!!!

[@lauracaskey2753]

Thank you for these videos! You are probably one of the most honest people I have heard about this Medicare stuff! I have an appointment with your staff next week. Thank you again

[@ChristopherWestfall]

Thank you!

[@JJ-wj6un]

Have not listened to this before & Mr. Westfall you helped me understand about Plan G & N & the difference. I totally understand & thank you so much for putting this info out. We all have such busy lives but still no excuse not to get informed. The Insurance agencies make it difficult.

[@ChristopherWestfall]

Thank you!!

[@AlexandraNevermind]

Thank you Christopher. I signed up on my own to a plan N after watching several of your videos last year. If I ever need to make changes I will be using your agency. Meanwhile I am subscribed so I can stay updated. Much appreciated!

[@ChristopherWestfall]

Wonderful!

[@Joshua_Cares]

Wonderful information to know. I think many agents really believe they are doing their clients right by putting them on a Plan G and they are confused with how the excess charges work. The kicker is how much people can save overtime with less rate increases. Doubt most agents out there know about that as well. The agents and clients have been hoodwinked by the system. Thanks for shedding light on this subject for us.

[@clauderosenthal3487]

Kudos... my difference was almost $80/month difference and we hardly ever go to Dr.....No Brainer!!! Thanks that my rep was honest enough to show us! ..... Proves your point.... Plan N, always!!! Thanks for the confirmation

[@ChristopherWestfall]

Thank you sharing your story!!

[@artsiecrafty4164]

Thank you so much. I was ignorant of what AARP Advantage Plan was not telling me. I had to choose a plan about four years ago. I was recently widowed. I did t really know what was what. So after viewing this, I called your number and was relieved to find out that I can cancel this plan in a few weeks and I can choose a supplement plan, or go with straight Medicare. Your agent was very helpful and I’ll call back if I decide on a supplement plan. Honesty is the best policy.

[@MadeInNewYork73]

Thank you for WHAT you do. I figured it out for myself as my hubby was 10 yrs older & we knew nothing. He thought Advantage was the bomb! Didn't see the bill Ms after he passed. I chose plan G only because of the cost of even oxygen. Rather budget it.. I warn who I can, but some think that $0 premium is golden. 😑 Many don't know how to use a smartphone or KZbin.

[@markcanfield7598]

Hi Chris…….I bought a Plan N supplement from one of your team members, Melanie, starting 1/1/23. As I was doing my research before buying a plan, I listed 4 different KZbinrs to contact and your firm was first on the list. You had the edge going in, but the follow up and correspondence from your team was second to none, therefore you got the business………BTW, one of the people you’re talking about here, Mr. fast-talking “Medicare School” guy only touts Plan G and says that only 90% of MD’s accept Medicare assignment. He stated this on a video and when I questioned him via a comment, there was no response. Thanks for all your help!

[@ChristopherWestfall]

Thank you so much for allowing us to help!!!!

[@julieadams4653]

Thank you for the honesty!

[@ronchalmers5439]

This is an excellent tutorial. Everyone pay attention!! Thank you Christopher for educating everyone on this topic!

[@ChristopherWestfall]

Glad it was helpful!

[@janmelton7979]

Love your channel. Have been on Plan N in North Carolina and like it.

[@carolinebeck807]

I love the N plans we got through your fine company. My husband and I are very grateful for your very informative videos.

[@ChristopherWestfall]

So glad! THANK YOU!

[@imagineme.9348]

First time choosing a Medicare plan, I chose an advantage plan but after doing some research on Plan N, watching every video I could find about Pan N on KZbin, I changed to Plan N with the same insurance co I was on as a retiree, they gave me a discount for staying with them for so long (30+ years). They did try to steer me to Plan G but I was adamant that I wanted Plan N. It’s well within my budget. I had a 30+ career with a large insurance co and I learned not to take risks.

[@DS-go8mn]

People turning 65 need to watch your videos and they need to call you like we did because your agents are the best!!

[@fayeb.5855]

Thank you Chris for your honesty.

[@tx_gamma]

Chris was able to show me (because i moved out of nw) how to get off medicare advantage & on to original medicare plan n & supplemental. I was relatively healthy but over the last 3 years i've been in the hospital once every year. He's saved me thousands of dollars & this plan helped me get the help i needed (@ age 70). My goal this year is to stay out of hospital this year! I definitely recommend Christopher & his agency to assist you with any medicare advise!

[@billlock77]

I live in Ohio ! No excess charge ! I like how stable plan N is ! It went up last year $5 this year it went down $4.50 , I glad I went with you for my suppliment !! I like that you calll me every year to make sure that I got the best priced plan !

[@ChristopherWestfall]

That is awesome! Thank you!

[@kathiv8071]

Thank You So Very Much🙏🏼💙 I’m turning 62 this year and Silver Summit just left a msg, it’s either time to review plan or why am I not going to the doctor or what medication plan...? I don’t go because, I’m not sick. I don’t take medication. Not even aspirin. I’m loving your clarity and knowledge. I’m loving you! Thank You

[@alohakeithb]

I signed up for plan G with UNH starting Medicare this year and they told me I could switch to plan N at anytime. I did not go through an agent, but probably should have! They said I don’t need to go through underwriting to “downgrade”.

[@sct4040]

That’s true, only if you want to upgrade from N to G.

[@debbiehopper5288]

Thank you for all you do!

[@gaetanomaximus8650]

I started watching your videos a few years ago while intending to become a Medicare broker. I never really pursued that, but as a Medicare recipient, they've been of great value. Had it not been for watching your videos, I probably would have gone for an Advantage plan and instead opted for a Plan G. I should probably opt for a Plan N or a High Deductible Plan G.

[@sharonhart3735]

Thks.for your great work and information.

[@J_Neighbor]

Best video yet, Chris. Thanks for going above and beyond!

[@ChristopherWestfall]

Glad you enjoyed it!

[@mdanderson1114]

What if I have to have surgery and unsure about the other medical personnel involved like the anesthesiologist when it comes to whether they except assignment. Thanks for the help. This is what concerns me the most about plan n.

[@ChristopherWestfall]

Impossible for hospital treatment to charge Excess Charges.

[@440tomcat]

Enrolled in an N plan this year, have 80,000 in an HSA hope it helps.

[@sct4040]

That’s what I will do also.

[@gordonallen9095]

Thank you for the information. I have about a year and a half before I lose my employer provided insurance, and transition to Medicare. As you said, most other sites are pushing plan G exclusively as an alternative to Medicare Advantage. You are only one of two networks on KZbin I've seen that goes into any kind of depth concerning plan N. and between the two, yours was the most informative. I'm still leaning towards plan G, but starting to consider plan N as a viable alternative. I was ignorant of the differences in rate increases until watching your video. Thank you for educating me, and other consumers who are unaware of all the differences between supplements.I am seriously considering you as my agent/underwriter.

[@ChristopherWestfall]

Yep, And Matthew is a great guy, too!!

[@gardenstalker7786]

I was convinced to buy the G. Thanks for explaining the N

[@zeek72358]

Actually in the Utah example you were correct! You inadvertently compared the N with the High G (both were the same rate increase). The N compared to the G was lower (as expected). I appreciated this video as I was pretty much focused on a G plan (due to concerns about excess charges). Your analysis of excess charges and rate increases was most illuminating! I need to do more research. I'll start by watching this again! (too bad I won't be able to give another Like)

[@ChristopherWestfall]

You're exactly right.

[@kandd3467]

Love your videos! Thank you for keeping all of us informed, and (hopefully) agents honest! I've seen some of the videos by other companies that you have mentioned, and it angers me that they are taking advantage of people by pushing plans that only line their pockets!

[@ChristopherWestfall]

I appreciate that!

[@PamClark-ux2xj]

Thank you so much for the vital information! My husband will be 68 in March and I will be 66 in March. When we initially signed up for Medicare at age 65, we chose to go with Farm Bureau of TN with plan G but since watching this video of Plan G vs. Plan N, I may wish to change to Plan N because we are both healthy except my husband is on antihypertension meds & meds for gout. I am on an estrogen hormone due to have a TAH with BSO years ago. Would we have to go through underwriting to go to Plan N from Plan G with our Medicare supplement?

[@ChristopherWestfall]

Yes... explained here: SeniorSavingsNetwork.org/underwritten We can help. Very easy.

[@tomschmidt381]

Thanks for your educational video. My wife and I have been on Medicare for multiple years. Several years ago we switched from F supplement to N with a different carrier and have be happy with the change. We are relatively healthy geezers so medical underwriting was not a problem but I agree you should plan to enroll for the long term because later you may not be able to switch.

[@HzFvr]

Thank you 👍👍👍

[@J560iH]

Thank You.

[@davidlynam6683]

Thank you for this information. Excellent! Will be enrolling soon and haven't seen others addressing the renewal increases. Could you do the same for the Part D drug plan costs/renewal increases?

[@dennisfaulkner5470]

Yes sir; the free spending card if you sign up to an adv. plan bugs me to no avail..

[@christopherhennessey8991]

Thank you so much for this info, sir.

[@txladywolf01]

People these folks KNOW WHAT they are doing and most of all THEY ARE HONEST!!!! I’m so glad I found hem on KZbin!!! They have saved me a tone!

[@bryanfoxx2292]

So how long does one have to live in one of those states, like MO., that does not require underwriting to change to a different plan? AND are the premiums higher in those states to be able to allow one to change plans WITHOUT underwriting? Can anyone change to Medicare Advantage at any time no matter their medical condition? It seems to me Uncle Sam wants as many to go on Medicare Advantage, which is essentially PRIVATE insurance, so they can eliminate senior healthcare OFF their coffers.

[@ChristopherWestfall]

Immediately. You can sign up for an Advantage plan once per year, from Oxtober 15 thru December 7th for a January 1 effective date.

[@mikenurmela8913]

Chris, you normally do a GREAT job, thank you. In this one you leave out something important: the copays permitted under N that a G plan member won't have. A person having a bypass, or a long recovery after knee or hip replacement, has a LOT of copays - doc visits, imaging, and especially PT. Those copays CAN cause the N plan member to pay more OVERALL than a G plan holder. Obviously, that shouldn't happen EVERY year, but people should have that possibility disclosed/explained too, along with the Excess Charge risk. I do that, and EVERYONE picks G over N. I go that extra mile. Hopefully you train your folks to cover that copay risk too. Keep up your GREAT work!

[@ChristopherWestfall]

Thanks for watching, Agent Mike. We actually have the NAIC Plan N document that we train on. That way we know, for instance, that Physical Therapy does NOT cause a co-pay on Plan N. You should have known that, too. The rate differential in five years of Plan G vs. 5 years on Plan N can be 70% higher cost on Plan G. Hope you knew that, too. Only comes with experience with thousands of clients on Plan N in 47 states. Again, thanks for watching. PlanNMedicare.org

[@mikenurmela8913]

Chris has corrected/educated ME! That's a first. There will NOT be copays for PT. N plan premiums DO seem to go up slower than G. I'm still a little uncomfortable with the Excess Charges risk, but since it IS rare, I will join his practice of encouraging N over G. All y'all: pay attention to Chris! And don't even THINK about a Medicare DIS-Advantage plan...

[@ChristopherWestfall]

Thanks, Mike.

[@sandrabrown2757]

Love what you do! Our practice does the same!!!!

[@micheleyoungblood]

How is Urgent Care billed as far as a copay? Office visit up to $20? Or is it up to the $50 for an ER.

[@ChristopherWestfall]

There is NO co-pay for "Urgent" care. However, if you use urgent care as routine primary care, they will bill Medicare as Routine Office Visit vs Urgent. Then, there would be a co-pay.

[@talbright101]

Physical Therapy is charging the $20 copay. Is that something we should dispute. We have Plan N.

[@ChristopherWestfall]

Yes, have them (provider) review the billing code they're using.

[@carmcb]

I'm 61 yrs.old and disable and have Medigap Plan D in New Jersey, at age 65 can I switch to Plan N without medical underwriting? Thank you for all the info you provide. :)

[@ChristopherWestfall]

By New Jersey law, Medigap Plan D is the only plan made available to those under 65. It is a crazy crazy law that makes no sense. Best deal under 65 is usually Advantage until age 65 when you have another enrollment opportunity without Underwriting. See: MedicareOnDisability.com

[@jenniferlee7167]

In DC I have never had a zero plan N increase and I have always had to pay the $20.00 co-pay, never less. The Plan N increases with United Healthcare AARP have been more like $3.00-6.00.

[@ChristopherWestfall]

I don't sell AARP.

[@stevenmyers3647]

I love this video! It is the very best and most revealing videos I've seen on the subject regarding the difference between Plan G vs Plan N. I know who I’m going to when I need to sign up for Medicare Part B in a few years - That will be you, Chris. Thank you for this video, I even downloaded it into my computer. I live in PA so there’s no excess charge. I’m on Medicare Part A right now because I’m covered by my wife’s employment insurance which is very good, and she plans on working a few more years. We are both relatively healthy too, so Plan N is right up our alley. This video was very enlightening! I’ll be contacting you some day, Chris. Thanks, again.

[@ChristopherWestfall]

Thank you so much!

[@jeffdege4786]

I'm in Minnesota, and we don't have any of the lettered Medicare supplement plans, we have Basic and Basic Extended.

[@o0o000o]

Thank you. I like your website

[@ericafelman4043]

MY employer plan is ending. Plan N in NJ with United Healthcare and other insurance companies have no underwriting for N, they do have underwriting for United Healthcare for Plan G. Perhaps there are differences by state, but N has no underwriting requirement.

[@ChristopherWestfall]

There is no Underwriting when you are new to Part B For six months this lasts.

[@Thelooneylink]

I will start Medicare B and N in January. I live in VT.

[@luciamanoukian-qd8pk]

Thank you for your great videos! I'll be contacting you for I am going on Medicare this year!

[@ChristopherWestfall]

Thank you! See: SeniorSavingsNetwork.org/openenrollment

[@Reed-2big]

It’s been years and years since I ran into opt out physicians. They were ortho surgeons, one was a hand surgeon that didn’t want anyone controlling his charges. It didn’t seem that high, but it turned out I didn’t need his services as he was very conservative with his need for surgeries. And yes this was not Medicare but a plan that work very similarly.

[@parkplace741]

Thanks

[@micheleyoungblood]

How does Plan N compare to HD G as far as rate increases and the premiums. I have been looking at the HD seriously for when I'm ready.

[@ChristopherWestfall]

High Deductible Plan G hardly ever has rate increases. Why? Because they pay no claims. You are paying out of pocket. Meanwhile, your deductible, which is set by Medicare, goes up every single year. So your potential out of pocket costs climbs yearly. Many people who insist on the HDG call, angry that it isn't paying anything.

[@shade0762]

This was incredibly interesting🎉! Thanks

[@sct4040]

Excellent video.👍

[@jamesbaker7062]

I have a aarp united healthcare Im 73 and they will only pay for one hearing aid and i need 2. So what do i do about this? How does this work

[@jeffs3627]

Great explanation. One question. Do excess charges you pay count towards your Part B deductible?

[@ChristopherWestfall]

Yes they do

[@madusonkeeper]

When I called to go on medicare and told the gal I had a plan N she said she never heard of it lol!

[@ChristopherWestfall]

Medicare cannot help with Supplement Plans. They ONLY enroll into Private Medicare Advantage plans (to get you off of Original Medicare. )

[@karenb3257]

Thanks for the info. Almost fell for it!!!

[@ChristopherWestfall]

Glad I could help!

[@heysis7372]

How much does a supplement cost? On top of what I pay for Medicare

[@glennkopriva899]

Hi, I'm in Florida and turning 64, I'm still employed with a company that has over 1000 employees and on a qualified plan. My question is if I retire at 67/68 can I get a plan N at that time as I will be entering Medicare via delayed entry.

[@ChristopherWestfall]

Yes, will not be a problem if you're not starting Part B while still employed... IF your employer group size is greater than 20 employees. No problem.

[@terrydillon9323]

Saw a movie once, a young couple just moved to a neighborhood and an insurance company was trying to sell them insurance, the couple asked, does it cover this , does it cover that etc. they kept asking that question and the insurance company kept saying, no. The couple then said, why should we have this insurance, and the company said, so you will be relieved to know you have insurance.

[@ChristopherWestfall]

Wow!

[@steves3234]

What kind of rate increase numbers in Tennessee

[@ChristopherWestfall]

PlanNMedicare.org

[@freshballyou]

I signed up for Medicare through social security at age 65 but continued to work and use my companies health plan. My company laid me off last week and I want to sign up for the plan N supplement coverage. Am I eligible or have to go through underwriting ?

[@ChristopherWestfall]

Depends. Please call us at 1-800-729-9590 so we can determine. Happy to help, and no cost. Chris

[@lenaland]

I agree with you on Plan N for sure...! My Wife and I want to retire on July 1st, 2023. How much time does it take to get a supplement Plan "N" and a Drug plan..? No fault of ours, it just takes Medicare way too long to set a person up for A and B. I started the process with them on my Birthday Feb. 02 of this year. ???

[@ChristopherWestfall]

seniorsavingsnetwork.org

[@phalabearden3645]

Im still waiting on a call back! Is it because im 75? Ive been lied to with all advantage hmos

[@barbcaudill9558]

What happens if you have G and try to change to N but dont pass underwriting?

[@ChristopherWestfall]

Get a better agent that has more options.

[@sct4040]

I wish you would show NYS, please.

[@almoemason]

If I have a plan G or plan N, can I switch companies (better price) during the AEP without going through medical underwriting or am I stuck with the same company?

[@ChristopherWestfall]

All depends on where you live. SeniorSavingsNetwork.org/underwritten

[@davidsyrus3157]

Chris, I will turn 65 at the end of March 2024, and will apply for Social Security on January. Since I will automatically be enrolled in Part A&B, when should I contact you for Sup Plan N?

[@ChristopherWestfall]

Any time after 12/7: SeniorSavingsNetwork.org/openenrollment

[@beingright]

Good stuff!

[@brantleynorwood4989]

As expenses rise in everything for everyone, should we not expect, or should we not at least consider, that the % of doctors who do not take Medicare assignment will increase and increase over time?

[@ChristopherWestfall]

Nope. They continually increase their Medicare pay.

[@sct4040]

In NYS, the yearly difference between G and N is $800. 😮 $289 vs $215 a month.

[@ChristopherWestfall]

In New York State, you should have neither of those two plans. We can explain why. - CW

[@judiashley5818]

Im probably going to call. Do you have a video on the D plan? Some brokers may get short term benefit on upselling but its the honset one who will get the best base of clients in the long term that will make you a better agent. Plus you sleep better at night 😊

[@g8way2k1]

Hi Chris: A comment below from Steve 2 months ago said this " but to go from N back to G would require underwriting." Is this true? Or was he ill-advised by his carrier? If so that would probably keep me from going from plan G to Plan N during 2023 open enrollment. I would like to have options open. Thanks

[@ChristopherWestfall]

Changing any plan does require Underwriting, unless you're in a small number of states.

[@cavargreat]

I am a 78 female, Jan. 8 will be 79. I am on a plan F with a $2700 deductible + copays. I am paying $92 a month. My husband died 2 months ago. He died in hospital and my plane did not meet their deductible! I am wondering about Plan N. Would you let me know how much the monthly payment will be. I live in Texas. Love your KZbin channel! Please get back to me to me asap

[@ChristopherWestfall]

You are not on Plan F. You are on "High Deductible Plan F." Big difference. We can't call you based on a KZbin comment. Please go here and make an appointment: SeniorSavingsNetwork.org/underwritten

[@worldchanges10]

No sicker here at 63 also SSA talking about recent increases for those greedy to increase the rate on us

[@joycesewald1788]

Great informativ Video!! I will be calling you soon.

[@ChristopherWestfall]

Sounds good! Thank you! 1-800-729-9590

[@MichaelGolpe]

33:25 This got my subscription.

[@salvacionwesterman2414]

Medicare and B period... I don't take any medication or maintenance ...

[@patrickmanley4943]

If I am transported to the hospital by ambulance but not admitted do I still have to pay for the ambulance ??

[@ChristopherWestfall]

Not if you're on a Supplement (except for the annual Part B deductible.)

[@robertmiller2872]

Wow...great video. Totally spot on. An additional disincentive for doctors who do not accept Medicare assignment is that Medicare will not do coordination of benefits for their billing. The doctor is on their on to get the balance due from the supplemental insurance or from the patient. The nightmare of that quagmire is why 99% of doctors don't do excess charges.

[@christopherhennessey8991]

Do you take clients in Florida.

[@ChristopherWestfall]

Yes, and I am a very-rare Florida native!

[@artspark7697]

Why does all this have to be so complicated for seniors.

[@richardnowacki2869]

Chris what about plan D for prescription? Does vendors make anything off Part D ?

[@ChristopherWestfall]

We certainly don't.

[@targetguy777]

I had read in a different video that the excess charges happen when the doctor does not accept medicare insurance?

[@kygent508]

I share your videos with YT and on Twitter.

[@ChristopherWestfall]

Thank you SO much!!

[@Malouri]

Are you saying that if you are already enrolled in Plan G with an Agent, later you can change to a different Agent fort the same Plan G or Plan N? Does this change of agent require Underwriting?

[@ChristopherWestfall]

Does not happen that way. You only change agents if they put you on something better.