SHOWROOM vs AGENT vs ONLINE INSURANCE - Kya hai Best Option in 2023

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Insurance Impact

Insurance Impact

Күн бұрын

Пікірлер
@imgagansingh
@imgagansingh Жыл бұрын
100 videos dekhne ke bad es video se mere doubts clear hue
@RohanSharma-gr2em
@RohanSharma-gr2em 10 ай бұрын
100 video× 5minutes(minimum time)= 500 minutes 500÷60(minutes per hour)=8hours 33 minutes Itna time kaha se milta hai bhai tumhe🤔🤔
@imgagansingh
@imgagansingh 10 ай бұрын
@@RohanSharma-gr2em bhai jb jrurat pdti h kisi chiz ki. Tb shi solution dhundhne me time lgta hi h🙃online bhut fake log bethe h
@princechaudhary6612
@princechaudhary6612 2 ай бұрын
@@RohanSharma-gr2emjha se tujhe mila is calculation krne k lia bro
@holyhelper7400
@holyhelper7400 11 ай бұрын
1.Good company 2.Cashless facility 3.policy coverages(addon , accident coverages) 4.review , dealer , agent (consider all well people) 5.price(compare , bargain , choose)
@vishalsinghrajput9560
@vishalsinghrajput9560 Жыл бұрын
Aise hi logo ko Aware karte rahiye... Bahut umda kaam kar rahe hai aap sir❤
@insuranceimpact
@insuranceimpact Жыл бұрын
Bilkul sir , aap logo ka sath raha to mere liye ye asaan ho jayega. Stay Connected !
@AshwaniKumar-oh2mr
@AshwaniKumar-oh2mr Жыл бұрын
I like your efforts you put to teach us everything clearly......👍
@muzamilm7553
@muzamilm7553 Жыл бұрын
Perfect information everything put on task, no need for classes now.
@Seedhi-Baat
@Seedhi-Baat Жыл бұрын
Real knowledge starts at 2:24
@ainstonutony
@ainstonutony Жыл бұрын
Thanks
@vaibhavj6482
@vaibhavj6482 Жыл бұрын
Shaandaar ! Jabardast! Bhadiya bataya hai. Mujhe yeh poochna hai 1. ki kayi baar showroom se door hote hai uske service center to hame insurance purchase karne ke liye kaha baat Karni Hai showroom se ya service center se? 2. Dealer se 1st insurance policy lene par usne word use kiya near cashless facility isse kya samjhe??
@insuranceimpact
@insuranceimpact Жыл бұрын
1. Insurance ka 1 hi dept. hota hai, tell them to connect you with them. 2. Cashless facility means apko Car Damage repair ka upfront cash nahi dena hai. Cash+less- Insurer will pay the workshop directly. You have to pay the difffrence if any.
@anirbandas1817
@anirbandas1817 15 күн бұрын
Samjhaane ke tarika bahot behtareen he, koi bhe samajh jayega,, all the best ❤
@insuranceimpact
@insuranceimpact 15 күн бұрын
🙏🙏🙂
@debasiskundu6120
@debasiskundu6120 Жыл бұрын
Aapki samjha ne ka tarika bohut accha hai but 2-3 insurance company suggest kar dete toh accha hota
@insuranceimpact
@insuranceimpact Жыл бұрын
Sir achi companies area, vehicle make and model , cashless tieup k according change hoti rehti hain. so can't name them for all. Thanks for appreciation !
@chandrakant-surwase1222
@chandrakant-surwase1222 11 ай бұрын
Great explanation with easy to understand way...🙏
@insuranceimpact
@insuranceimpact 10 ай бұрын
my pleasure !
@DrTarunChauhan
@DrTarunChauhan Ай бұрын
Best Video Brother ..... v good
@narenderlamba2717
@narenderlamba2717 Жыл бұрын
Great explanation sir.very helpful video.Keep educating about these thing. In India people have very less information about these thing but these things are very impt A right policy can save life and hard earned of money of whole life.
@Sidharth-o1n
@Sidharth-o1n Жыл бұрын
ज्ञानवर्धक और मददगार।
@insuranceimpact
@insuranceimpact Жыл бұрын
Thankyou Sir for your feedback !
@A-GamingReview
@A-GamingReview 2 ай бұрын
Bahut aacha samjaya apne, i subscribed to you 🎉
@bhaisahabff4
@bhaisahabff4 Жыл бұрын
Very nicely explained bro.. Like toh banta hai👍
@sweetworldwithpayal833
@sweetworldwithpayal833 7 ай бұрын
Awesome.... Finally I clarified about the difference between online and offline claim
@insuranceimpact
@insuranceimpact 6 ай бұрын
🙏🙏
@nilubharajput33
@nilubharajput33 6 ай бұрын
Hello bro aapne bahut hi ache tarike se samjaya he ki hume insurance policy me kya kya dekhna hota he aapka bhut bhut dhanyawad 🙏
@insuranceimpact
@insuranceimpact 5 ай бұрын
🙂🙏🙏
@shikhasingh-lc9gj
@shikhasingh-lc9gj Жыл бұрын
Great information 👏itna to koi nhi smjhata
@hindicartoonworld1635
@hindicartoonworld1635 3 ай бұрын
Bahot badhiya video 🙏🙏🙏
@vikky5349
@vikky5349 2 ай бұрын
Bahut badhiya se samjhaye hai . Doubt clear ❤❤❤
@insuranceimpact
@insuranceimpact 2 ай бұрын
Okay, Thanks !
@shyamtailor2027
@shyamtailor2027 11 ай бұрын
शोरूम से पॉलिसी लेना सबसे बेहतर तो है क्लेम के मामले में पर महंगा है और ऑनलाइन सस्ता हे सबसे पर क्लेम में दिक्तो का सामना करना पड़ता हे।
@insuranceimpact
@insuranceimpact 11 ай бұрын
Bilkul sahi Kaha sir , But Online policy le kar Multibrand Pvt Workshops me bhi Cashless Facility li ja sakti hai.
@KeshavSharma-nq2co
@KeshavSharma-nq2co Ай бұрын
brother maine last year apna insurance showroom se liya tha,agr m usse same company ka insurance online leta hu toh showroom mujhe cashless claim dega?? ​@@insuranceimpact
@hemantjadhav2351
@hemantjadhav2351 Жыл бұрын
जानकारी बहोत अच्छा है ईसके लिए धन्यवाद सर लेकीन कोनसे मॉडेल के लिये कितना पैसा लगेगा ये जानकारी भी देते तो ॵर भी अच्छा होता |
@insuranceimpact
@insuranceimpact Жыл бұрын
Sir ye aap online check kar sakte hain. Har gadi k Model wise price batana mere liye possible nahi hai.
@Meena_Hemraj
@Meena_Hemraj Ай бұрын
Dhanyawad Bhaishab bahut achha explain kiya apne 🙏🙏
@SANJAYAHUJA-ll1ok
@SANJAYAHUJA-ll1ok Жыл бұрын
Very Nicely Presented Very Useful Information. Thank You So Much.
@insuranceimpact
@insuranceimpact Жыл бұрын
Thansk Sir !
@gurmeetbandesha541
@gurmeetbandesha541 10 ай бұрын
​@@insuranceimpact❤❤❤❤
@AmitKumar-ju2fm
@AmitKumar-ju2fm Жыл бұрын
Thankyou so much for your best sir ji...now i m ready to choose best after seeing this video..
@insuranceimpact
@insuranceimpact Жыл бұрын
Welcome sir ! 🙂
@imkk07
@imkk07 9 ай бұрын
Awesome video. Fully explained in easy language
@insuranceimpact
@insuranceimpact 9 ай бұрын
Thankyou ji !
@husainmajor3256
@husainmajor3256 Жыл бұрын
Insightful and valuable information shared. Thank you !
@insuranceimpact
@insuranceimpact Жыл бұрын
Welcome ji 🙏🙏
@nageshsonwani
@nageshsonwani 15 күн бұрын
Sir, maine standalone od policy two wheeler k liye liya hai, usme PA cover nahi mila hai, isme PA cover kaise add kar sakte hain, Pls reply sir.
@danishbaig7370
@danishbaig7370 Жыл бұрын
Amazing video doing The best work
@insuranceimpact
@insuranceimpact Жыл бұрын
Thankyou 👍
@washimgayen8577
@washimgayen8577 9 ай бұрын
Nice informative video...thank you
@insuranceimpact
@insuranceimpact 9 ай бұрын
Welcome ji 🙂
@prasanta-t5w
@prasanta-t5w 2 ай бұрын
si policybazr me oriental car insurance kiya tha. par oriental k official site pe show nahi kar raha hai.kaise find kare
@HacksOverloaded
@HacksOverloaded Жыл бұрын
Ekdam perfect jankari 👌
@kajalpatel_1487
@kajalpatel_1487 Жыл бұрын
Beautifully explained thank you so much.
@insuranceimpact
@insuranceimpact Жыл бұрын
Thanks !
@ssk4337
@ssk4337 11 ай бұрын
Baat kroge
@Love-s2v2j
@Love-s2v2j 3 ай бұрын
Most informative video sir ❤
@devashishverma3950
@devashishverma3950 10 ай бұрын
Thank you for sharing your knowledge
@insuranceimpact
@insuranceimpact 9 ай бұрын
Welcome sir. Keep watching ! 🙂🙏
@Haradhan-Maity
@Haradhan-Maity Жыл бұрын
Bohot hi acche se samjhaya sir, thanks aap kuck comapany or policy ko recomand kar sakte the taki or thora asan ho jane hamare liye....
@insuranceimpact
@insuranceimpact Жыл бұрын
Har company har claim mein sahi nahi hoti sir. Prediction mushkil hai. Bas apko covers sahi lene chahiye aur sahi claim process ko follow karna chahiye taki agar claim mein dikkat bhi aye to hum legally bhi ja sakein.
@Haradhan-Maity
@Haradhan-Maity Жыл бұрын
@@insuranceimpact Thanks
@barnajitsaha5878
@barnajitsaha5878 2 жыл бұрын
Bro..really good work...keep that up... If you can do these similarly for other sectors like health, etc. then it will be of great help :)
@insuranceimpact
@insuranceimpact 2 жыл бұрын
Thanks Sir. Pls check out the health insurance playlist for that.
@ashishjain6695
@ashishjain6695 2 жыл бұрын
सर एक वीडियो ग्रुप हेल्थ इंश्योरेंस एंड नॉर्मल हेल्थ इंश्योरेंस का भी बनाइए जिसमे दोनो मैं बेस्ट कोनसा है वो भी बताए एंड दोनो मैं क्या डिफरेंस होता है बैंक का insurance सस्ता क्यों होता है और कोनसा खरीदना चाइए
@insuranceimpact
@insuranceimpact 2 жыл бұрын
Ok Sir jarur. Bank policies k upar video hai pls check in Health Insurance playlist.
@himanshubindusara2303
@himanshubindusara2303 Жыл бұрын
Thanks sir you explained very well
@insuranceimpact
@insuranceimpact Жыл бұрын
Welcome sir, Thanks for your Mention.
@subankhan9561
@subankhan9561 11 ай бұрын
Very nice service sir Thanks helpful 🙏
@insuranceimpact
@insuranceimpact 11 ай бұрын
Welcome sir !
@neerajgupta9202
@neerajgupta9202 Жыл бұрын
When Using a white board to explain something in Video i recommend using a blue colour whiteboard marker for more visibility for viewers
@insuranceimpact
@insuranceimpact Жыл бұрын
That's a valuable insight ! I will use blue definitely after these are finished .. Thanks for your time sir...
@shailendra1537
@shailendra1537 11 ай бұрын
Great video needed such information
@insuranceimpact
@insuranceimpact 11 ай бұрын
Glad it was helpful ! Checkout This video also- kzbin.info/www/bejne/paKkp6iZlKyVgLc
@renuavasthi4109
@renuavasthi4109 19 күн бұрын
Vry nice video bus ye bta do sir dealer best hai ya agent online to bekar hai
@insuranceimpact
@insuranceimpact 18 күн бұрын
Thanks ji, ye video apke doubts clear kar dega kzbin.info/www/bejne/b2SWZqF4obhji5I
@softspectrainfotech
@softspectrainfotech 3 ай бұрын
Eye opening video sir, Thanks🎉
@insuranceimpact
@insuranceimpact 3 ай бұрын
Always welcome
@RajeshSingh-un6zh
@RajeshSingh-un6zh Жыл бұрын
Very good video bro. Very knowledgeable
@insuranceimpact
@insuranceimpact 11 ай бұрын
Thanks ! Check Other videos in Motor Insurance Playlist.
@shivangkumar4758
@shivangkumar4758 5 ай бұрын
Very vary very best explanation ❤❤❤love it❤❤❤
@insuranceimpact
@insuranceimpact 5 ай бұрын
Thanks and welcome 🙂❤
@mechavenger07
@mechavenger07 Жыл бұрын
Abhi k liye best policy two wheeler kya hai sir
@insuranceimpact
@insuranceimpact Жыл бұрын
Sir Apko choose karna padega. 1 Policy/Company best nahi ho sakti.
@Harishkumarmanj
@Harishkumarmanj Ай бұрын
सर 2019 मॉडल फोर व्हीलर मैग्ना i10 ग्रैंड मैंने सेकंड हैंड लिया है और मुझको कहां से इनसोर्स करवाना सही रहेगा
@sandippawar1689
@sandippawar1689 Жыл бұрын
Dear sir aapne mahatva purn jankari shere ki hai...dhanyawad..mere pas 7 sal purani 2 wheeler hai third party insurance karvana chahata hu aapke parameter dwara konsi compny ka insurance muje lena chahiye plz btaye muje
@insuranceimpact
@insuranceimpact Жыл бұрын
Third party ka price fix hota hai according to engine cc. Company aap koi bhi choose kar sakte hain.
@pradeepkumarkundu7137
@pradeepkumarkundu7137 Жыл бұрын
Good suggestion
@aditheorigin4926
@aditheorigin4926 3 ай бұрын
Kase se 3rd party sasta milta hai? I would keep money safe in fd in insurance.
@SANDEEPSINGH-zz7hc
@SANDEEPSINGH-zz7hc 10 ай бұрын
Very informative video 👍👏
@insuranceimpact
@insuranceimpact 10 ай бұрын
Thanks and Stay Tuned !
@ShubhamKumar-nf3he
@ShubhamKumar-nf3he 4 ай бұрын
Easy to understand ❤❤❤
@insuranceimpact
@insuranceimpact 3 ай бұрын
Thanks !
@sheelanair534
@sheelanair534 Жыл бұрын
Very informative! Thank u so much
@insuranceimpact
@insuranceimpact Жыл бұрын
Welcome 🙏🙏
@rajendersuthar1489
@rajendersuthar1489 8 ай бұрын
Very nice Harvinder Sir
@insuranceimpact
@insuranceimpact 8 ай бұрын
Thankyou ji !
@sankargorai8739
@sankargorai8739 Жыл бұрын
Very good explanation
@insuranceimpact
@insuranceimpact Жыл бұрын
Thanks and welcome !
@rajneetsingh5681
@rajneetsingh5681 7 ай бұрын
Sir, offline 11k ka insurance de rhen hai ( United india ka) Or policy bazaar me 7500 ka oriental company ka( zero dep lagake) Mere city me 12 cashless garages hai
@insuranceimpact
@insuranceimpact 7 ай бұрын
Agar cashless garages hain aur sahi IDV aur addons mil rahe hain to le sakte hai online bhi.
@rajneetsingh5681
@rajneetsingh5681 7 ай бұрын
@@insuranceimpact , Tata AIG me 7500 ka ho rha hai sir, IDV bhi theek hai or zero dep hai, krna chaiye?
@VikramSingh-yb6sf
@VikramSingh-yb6sf Жыл бұрын
Thanks bro nice knowledge and clear all doubts
@insuranceimpact
@insuranceimpact Жыл бұрын
Welcome Brother !
@chetankumarhiremath6715
@chetankumarhiremath6715 Жыл бұрын
Superrrrr bro
@jyotishantu2146
@jyotishantu2146 5 ай бұрын
Perfect information ❤
@insuranceimpact
@insuranceimpact 4 ай бұрын
Glad it was helpful!
@MK_464
@MK_464 6 ай бұрын
Bohut badiya video hai
@insuranceimpact
@insuranceimpact 6 ай бұрын
🙏🙂❤
@ZackKrauser
@ZackKrauser Жыл бұрын
Very good explanation 👏🏻
@ravidutt2544
@ravidutt2544 Жыл бұрын
Nice video sir 👍👍👍
@rakeshkumar659
@rakeshkumar659 8 ай бұрын
Very good explanation ❤
@insuranceimpact
@insuranceimpact 8 ай бұрын
Glad it was helpful!
@rindia8471
@rindia8471 Жыл бұрын
Good information Nicely explain
@insuranceimpact
@insuranceimpact Жыл бұрын
Thanks a lot
@rockingthefb
@rockingthefb Жыл бұрын
Bahut badhiya...
@insuranceimpact
@insuranceimpact Жыл бұрын
Thanks for the Comment !
@bhagwabrigadebhgwa4infiniteyrs
@bhagwabrigadebhgwa4infiniteyrs 2 ай бұрын
Sir united india & tata aig me konsa best h
@blackdiamond479
@blackdiamond479 Жыл бұрын
Return to invoice option not shows on policy bazaar or any portal, consumable parts also not available
@insuranceimpact
@insuranceimpact Жыл бұрын
Your Vehicle age might be a reason.
@DarkSouL_7996
@DarkSouL_7996 11 ай бұрын
​@@insuranceimpact Is RTI not applicable on 3 yrs old car?
@everlastingstudios2467
@everlastingstudios2467 5 ай бұрын
really great video
@insuranceimpact
@insuranceimpact 5 ай бұрын
Glad you enjoyed it 🙂🙏
@vickykhande1745
@vickykhande1745 Жыл бұрын
Very good video for car owner ❤❤
@akshaynegii
@akshaynegii Жыл бұрын
Informative, thanks 🙏
@insuranceimpact
@insuranceimpact Жыл бұрын
My pleasure 🙏🙏
@onlinetech817
@onlinetech817 8 ай бұрын
Engine protect me only repair karte h Jo parts lgege uska pay karna hota h
@insuranceimpact
@insuranceimpact 7 ай бұрын
Parts ka bhi claim milega sir.
@nitinmavi6102
@nitinmavi6102 3 ай бұрын
Sir ek bat samj nahi arhi HDFC ergo insurance 2500something premium hai or icici lombord 15000 premium or icici me hdfc ke compare coverage bhi jayad hai kya karan hai itna sasta hone ka
@insuranceimpact
@insuranceimpact 3 ай бұрын
Internal discounting, IDV, Addons can be reasons for price difference.
@Thediscoball
@Thediscoball Ай бұрын
I am buying a new scooter please tell us which one to buy and which one is good for a 5 year insurance.
@insuranceimpact
@insuranceimpact Ай бұрын
Can compare online, and dealer. Detailed video- kzbin.info/www/bejne/opitpXuajdRge7s
@AmitKumar-yq5ib
@AmitKumar-yq5ib Жыл бұрын
Superb video
@insuranceimpact
@insuranceimpact Жыл бұрын
Thank you so much 😀
@aravind9098
@aravind9098 7 ай бұрын
Awesome video bro
@insuranceimpact
@insuranceimpact 7 ай бұрын
Glad you liked it !
@dr.rahulsharma1842
@dr.rahulsharma1842 Жыл бұрын
Good work 👌👍
@gurjarshivarankwal1084
@gurjarshivarankwal1084 Жыл бұрын
Very nice information ji
@insuranceimpact
@insuranceimpact Жыл бұрын
Thanks Sir !
@vishalsinghrajput9560
@vishalsinghrajput9560 Жыл бұрын
Full detailed information ❤
@insuranceimpact
@insuranceimpact Жыл бұрын
Thanks sir !
@gaurangmahaprbhu
@gaurangmahaprbhu 11 ай бұрын
बेहतरीन
@insuranceimpact
@insuranceimpact 11 ай бұрын
Thanks !
@wiqarahmed8115
@wiqarahmed8115 2 ай бұрын
Bhai very useful information by you, thnx
@vikrantbhaskar335
@vikrantbhaskar335 Жыл бұрын
Informative video👍👍
@insuranceimpact
@insuranceimpact Жыл бұрын
Thank you 👍
@hiteshkumarsah8343
@hiteshkumarsah8343 Жыл бұрын
Sir CSC centre se insurance ke liye apply karne par. Claim karna ho to kya kare.
@insuranceimpact
@insuranceimpact Жыл бұрын
Pls watch kzbin.info/www/bejne/l4e0iHp6ga6ii9Esi=pUxK_6RWtItWDgnk
@nagaragacs5188
@nagaragacs5188 Жыл бұрын
Nice information. Thank you. 🙏
@insuranceimpact
@insuranceimpact Жыл бұрын
Welcome Ji !
@HiteshhVlogs
@HiteshhVlogs Жыл бұрын
Mast badiya video h
@insuranceimpact
@insuranceimpact Жыл бұрын
Thanks !
@mahendraroat7443
@mahendraroat7443 4 ай бұрын
❤❤❤❤❤ good sir ji
@insuranceimpact
@insuranceimpact 4 ай бұрын
✌✌🙂❤
@Badalaryaknowledge
@Badalaryaknowledge 5 ай бұрын
❤ verry nice video bhai g ❤
@insuranceimpact
@insuranceimpact 5 ай бұрын
🙏🙏❤
@Pravotski
@Pravotski Жыл бұрын
Agar mai idv bilkul minimum karke return to invoice cover add kar lun to kya mai agle saal jab return to invoice nahi rahega to fir mai idv waapis badha skta hun jitni us waqt honi chahiye ?
@insuranceimpact
@insuranceimpact Жыл бұрын
No.
@RM30523
@RM30523 Жыл бұрын
awesome 👌
@prashantsatre7575
@prashantsatre7575 3 ай бұрын
Ekdum mast , but dost dealer bahut force karata hai....kya karein
@ashishkapoor7670
@ashishkapoor7670 10 ай бұрын
Bro ab ye bhi bta do app march 2024 main. Activa 5g 2019 model ka best Insurance company suggest kro
@insuranceimpact
@insuranceimpact 10 ай бұрын
Showroom se le lo sir.
@ashishkapoor7670
@ashishkapoor7670 10 ай бұрын
@@insuranceimpact sir Showroom wale 100rs charge lete hai. Two wheeler inspection ke...
@hellyvyas01
@hellyvyas01 4 ай бұрын
Konsi insurance company best hai new car insurance lene ke liye?
@insuranceimpact
@insuranceimpact 4 ай бұрын
Pls watch this video for Best Car Insurance kzbin.info/www/bejne/paKkp6iZlKyVgLc
@sameerjangid8465
@sameerjangid8465 2 ай бұрын
😢 ​@@insuranceimpact
@shahabuddinshah8352
@shahabuddinshah8352 13 күн бұрын
Sir,, agar hum phone pay se insurance kare to sahi padega plz reply me
@insuranceimpact
@insuranceimpact 9 күн бұрын
usi k fayde aur nuksan bataye hain sir.
@hcthegreat4601
@hcthegreat4601 10 ай бұрын
1:50 se video chalu hain. Bina time waste kiye 😒
@sufalbepari2804
@sufalbepari2804 Жыл бұрын
Excellent
@rockymaahi
@rockymaahi 8 ай бұрын
Commercial se private transfer hone par NCB zero ho jata hai kya? aur aagr ncb zero bhi jata hai zero hote hi premium double kyu ho jata hai?
@insuranceimpact
@insuranceimpact 7 ай бұрын
Commercial se pvt transfer hone par policy hi nayi banegi. Purani policy aap cancel karwa sakte hain. Pls watch this video for more details- kzbin.info/www/bejne/h6CzoIiqjNR-eZo
@devbhoomiuttrakhand3008
@devbhoomiuttrakhand3008 Жыл бұрын
Super sir g...for my bike which company u suggest.
@insuranceimpact
@insuranceimpact Жыл бұрын
Sir Can't name one company but I have suggested important criteria to check like cashless Repairs, good Idv(Value), All necessary addons and Less Price etc. You can compare these with Showroom and online options and choose the best Company.
@PRABHATMISHRA-yv6iq
@PRABHATMISHRA-yv6iq Жыл бұрын
Bhai ji ise dhundhna to mushkil hai ,,aap hi 2/3 sujhao dijiye ,,,pune me new Ertiga par kis company ki policy lun...aur Amount bhi..❤
@insuranceimpact
@insuranceimpact Жыл бұрын
Pls watch kzbin.info/www/bejne/b2SWZqF4obhji5I
@bindass99055
@bindass99055 Ай бұрын
Sir.... kindly reply as soon as possible today is the last date of my insurance, I want to increase my IDV value???
@vikassaraswat7632
@vikassaraswat7632 4 ай бұрын
Thank You Sir
@insuranceimpact
@insuranceimpact 4 ай бұрын
🙏🙏
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