I'm 54 and my wife and I are VERY worried about our future, gas and food prices rising daily. We have had our savings dwindle with the cost of living into the stratosphere, and we are finding it impossible to replace them. We can get by, but can't seem to get ahead. My condolences to anyone retiring in this crisis, 30 years nonstop just for a crooked system to take all you worked for.
@FernandoBowen-786 ай бұрын
I feel your pain mate, as a fellow retiree, I’d suggest you look into passive index fund investing and learn some more. For me, I had my share of ups and downs when I first started looking for a consistent passive income so I hired an expert advisor for aid, and following her advice, I poured $30k in value stocks and digital assets, Up to 200k so far and pretty sure I'm ready for whatever comes.
@EleanorMabel6 ай бұрын
@@FernandoBowen-78 That's actually quite impressive, I could use some Info on your FA, I am looking to make a change on my finances this year as well
@FernandoBowen-786 ай бұрын
@@EleanorMabel My advisor is VICTORIA CARMEN SANTAELLA;
@FernandoBowen-786 ай бұрын
You can look her up online
@FernandoBowen-786 ай бұрын
Nah I Can't say I can relate, VICTORIA CARMEN SANTAELLA charge is one-off and pretty reasonable when compared to what I benefit in returns.
@TimK26468 ай бұрын
Very informative Arsen. Thank you. Very positive news .
@LiveLoveThailand8 ай бұрын
My pleasure!
@klausw.56128 ай бұрын
Yesterday I registered on Thai E-Visa System, today good news from you, I‘m not worried about coming to Thailand 🇹🇭😅😊everything going well, thank you and stay safe 🙏🏼🇹🇭
@LiveLoveThailand8 ай бұрын
🛺 you are always welcomed
@carlyndolphin8 ай бұрын
How do I access the E visa system?
@perry37708 ай бұрын
The 60 days visa exempt stamp doesn’t seem to be happening since it said June 1st but many people entering Thailand now are still getting stamped in for 30 days
@rawiwanu.p.78608 ай бұрын
I agree with you,I came yesterday,I said it 60 days now,they said no? Only got 30 days,need to pay for another 30/days now.
@LiveLoveThailand8 ай бұрын
1st, the rules are official and will be applied. 2nd, it needs around 2 to 4 weeks to be applied officially. 3rd, you can check the details on thai embassy official sites, which says what I mentioned here and in the vlog. So there is no need to rush cheer up and it will be applied very very soon.
@faouzielbakri7 ай бұрын
I am trying to come in 16 july but not sure if i need to apply for visa or ill have visa on arrival ( im moroccan) 🥲 so confused
@ztrhuy73397 ай бұрын
@@faouzielbakristay in Morocco pls
@sealife3455 ай бұрын
@@faouzielbakrisame
@DinkritSethi8 ай бұрын
This is great news. Hope to see more travellers, less tourists now. Hope everyone enjoys the beautiful land of smiles consciously while respecting all the rules...
@LiveLoveThailand8 ай бұрын
Welcome
@LeeHaseley-qp8pu8 ай бұрын
I entered yesterday, 03/06, and was only given 30 days as a UK citizen, in Chiang Mai.
@Swenser8 ай бұрын
Looks like local offices will boycott these new changes too.
@abbasmirah33498 ай бұрын
Thank you for keeping us updated 😍
@LiveLoveThailand8 ай бұрын
My pleasure!!
@thomasschmitz37657 ай бұрын
Very helpful hints & advice. Thank you so much for making and sharing
@LiveLoveThailand7 ай бұрын
You are so welcome!
@leongkuanlan20878 ай бұрын
Great news and useful vlog 👍 Thanks Arsen 😊😊😊
@ArsenAbroad8 ай бұрын
Welcome
@LiveLoveThailand8 ай бұрын
My pleasure!
@dxbrane8 ай бұрын
Thanks for the updates Arsen
@LiveLoveThailand8 ай бұрын
Any time!
@nathalieduran73558 ай бұрын
60 days at last! Yes! thanks for the info Arsen, very useful video as per usual!
@LiveLoveThailand8 ай бұрын
Glad you liked it!
@johnwallace52848 ай бұрын
starting from when?
@georgeskrzypniak27316 ай бұрын
@@johnwallace5284 July/15/2024.
@marcsi60648 ай бұрын
I ll fly to Bangkok tomorrow🙂Thanks for the loads of usefull information🙂
@LiveLoveThailand8 ай бұрын
Have fun!
@livy36938 ай бұрын
Thanks for sharing video.😄
@mister_eeeee8 ай бұрын
These changes are very welcome but there is another one super imporant thing that Thai government should do. They should impose strict rules on real estate agencies and regulate the greedy and often cheating agents that require 12 months or 6 months contracts for people on a 60+30 days tourist visas (or visa exempt countries), because it makes absolutely no sense that those real estate agents and agencies are asking people with visas valid for 60 or 90 days to commit on a 6 or 12 months long contract. Finding a condo for a rent online (before arrival to Thailand) has become extremely difficult for all the people who cannot stay for 6 or 12 months. And let's face it, most of the people cannot stay for that long. And staying in hotel for 3 months is outrageously expensive, as well as staying at Air B'n'B (for 60 or 90 days) which is as expensive as hotels, sometimes even more expensive than hotels. So what's the point of allowing people to stay 60+30 days in Thailand when they must sign one year contract with greedy agents and then lose money if they leave earlier? Those agents actually increase prices not only for tourists but also for local, Thai citizens. This is why Thailand is becoming more and more expensive, especially Bangkok. And we all know that condo owners would be very happy to rent their condos for 3 months as well at same price of 10k to 15k baht (for a small studio or 1 bedroom), but their agents want 6 or 12 months contracts to get higher percentage. As a final result a lot of condos stay empty and they would be easily rented for 90 days if agents are not that greedy. So, at the end, what is better for Thailand tourism: 1. To allow people to rent condos for 60+30 days and then they will spend their money in Thailand anyway, on food, temples, excursions, travels, transportation, souvenirs, clothes, gifts etc., or 2. To keep renting very complicated because of greedy real estate agents to the point that people who can stay for 60+30 days will do the math and say 'Hey, that's a real rip off! For that much money I can go to Vietnam, Phillipines, Malaysia, Bali, Inodnesia or other countries, rent easily a condo for 2 or 3 months and enjoy my free time spending money on food, activities, excursions, trips etc. Personally, I think that Thailand would benefit much more if renting a condo becomes more simple than it is now, without crazy 6 or 12 months requirements form agents. And tourists would feel more safe if they already know that they can search and rent a condo from their home countries and then get and sign a contract on arrival, obtain TM30 Form to avoid immigration problems when extending/renewing visa or travelling outside of country and everything else that is legally required from the government to have. Coming to Thailand without arranged place to stay, and then chasing condos around for days or weeks and possibly getting scammed is very very stressful and tourists will leave with a bitter taste and then next time likely choose another destination. After all, tourists travel to relax and have a good time, right? Thanks Arsen!
@OishiSan-b1z8 ай бұрын
@@mlgneo2855 Maybe 30 years ago. Try to find a condo online for a month or two or three months rent nowadays. No chance. His argument is very valid.
@LazarousChewe28 күн бұрын
Great orator , clear and to the point. Out of curiosity which Camera do you for your broadcast?
@LiveLoveThailand28 күн бұрын
Dji and Sony
@dulithegnanasinghe68388 ай бұрын
Very informative, thank you for the info Arsen
@LiveLoveThailand8 ай бұрын
My pleasure
@shamimaficks92778 ай бұрын
Arsen , thank you.. i used ur videos and was able to navigate Patong and the airport with no hassle' i even took the smart bus as a first time traveller! Top tier support!
@LiveLoveThailand8 ай бұрын
Glad I could help!
@Stephen.Palmer_6668 ай бұрын
Informative video Arsen, many viewers will find this very useful. Cheers.😊
@LiveLoveThailand8 ай бұрын
Hope so!
@armatur19007 ай бұрын
Kıymetli bilgilerinize teşekkür ederiz.🌹
@MrH2O19848 ай бұрын
A lot of other KZbinrs were saying you could extend your 180'days by another 180 days. Really looking forward to more information to come out.
@LiveLoveThailand8 ай бұрын
Only In 5 years twice
@wesudsawakon28668 ай бұрын
คุณทำคลิปได้ดีมากครับ ผมกดติดตามให้แล้วครับ😊🙏
@carmentopete51468 ай бұрын
Love Thailand and love your videos. Thank you
@LiveLoveThailand8 ай бұрын
Thank you
@geelucky138 ай бұрын
Till the 60 day VOA is announced in the royal gazette then its not official ..
@edc.37618 ай бұрын
Entering the Kingdom through air land/sea/air border checkpoints under Tourist Visa Exemption Scheme is permitted only twice in a calendar year, except nationals of Malaysia, Brunei Darussalam, Indonesia, and Singapore who may enter Thailand through such checkpoints more than twice in a calendar year. (Source: Royal Thai Consulate-General, Los Angeles)
@LiveLoveThailand8 ай бұрын
👍
@klausw.56128 ай бұрын
By land and sea two times, yes. By air four times per year possible, their isn’t any rule which say it isn’t possible. If you stay not longer then 30 days at the moment.
@Stormbreaker78648 ай бұрын
Good evening, So does this mean under the Tourist Visa Exemption Scheme, if I leave to visit another country within that 60 day period, by air, and return a few days later, do i get another 60 days on my return?
@JohnSkyLey8 ай бұрын
I will use the digital nomad visa
@LiveLoveThailand8 ай бұрын
Great
@zacghent85648 ай бұрын
@@LiveLoveThailandhow do you get it?
@mangostickyrice5558 ай бұрын
Thumbs up 👍 Arsen
@LiveLoveThailand8 ай бұрын
Thank you
@B3Band8 ай бұрын
9:51 is digital nomads. That's all I'm here for
@nihalattanayake25157 ай бұрын
Thank you so much for t 11:16 he info. regarding visa. Very helpful.
@JayntiBhandari-mx1id8 ай бұрын
Thank you for inporten information 🙏🙏
@LiveLoveThailand8 ай бұрын
So nice of you
@DevanandShenoy-v6z8 ай бұрын
Many thanks Arsen for the good news ❤
@LiveLoveThailand8 ай бұрын
My pleasure
@sakthivelmarimuthu81468 ай бұрын
Very nice
@LiveLoveThailand8 ай бұрын
Thanks
@boricuabro4 ай бұрын
The 180 days of the DTV Visa could be extended for another 180 days and then you need to leave the country. You can then re enter Thailand anytime and the 180 days will start the countdown as soon as you step in Thailand and restart the process. The extension may only cost Thb 1900.
@Jan.998 ай бұрын
Useful info
@LiveLoveThailand8 ай бұрын
Stay connected
@RichardAlsop-np2nr7 ай бұрын
Has the 60day voa been stated in the Royal gazette yet?
@LiveLoveThailand7 ай бұрын
Not yet
@Rakubangkok8 ай бұрын
🙏👌It's really good news for me and my family @livelovethailand Mr. ARSEN 🙏 Thank you so much for your VALUABLE Informative videos
@LiveLoveThailand8 ай бұрын
All the best
@stevenobinator22298 ай бұрын
If you're married to a Thai you get absolutely nothing. So ya this visa is good
@Getawayk8 ай бұрын
You should have a million subscribers on usefulness alone. I used 90% of your info when I first started traveling to Thailand
@LiveLoveThailand8 ай бұрын
My pleasure to help
@syriancitizen50568 ай бұрын
I watched his videos to find original brands outlets lol.
@haha-eg8fj8 ай бұрын
I still haven't seen any update on their official website or on local Thai embassy's homepage.
@porschehenk8 ай бұрын
where find the list?? getting visa when arrive in Thailand
@robbiemc596Ай бұрын
What’s the physical address of the Thai embassy in pataya or Jomtien
@gyoudan18 ай бұрын
I live here in Thailand and l am on the one year retirement visa, and every time l renew my visa l have never been asked to produce any sort of insurance, life or a health policy at my immigration office just proof of funds that is required i.e. 800,000 in a Thai bank account or 65000 per month income, and proof of my address. and then just do my online 90 day reporting, so l do not know where you get this insurance requirement thing from as my fellow expat friends have never had to have insurance for a retirement visa either🤔
@martymar19647 ай бұрын
my understanding as per the Thai embassy page is that if you apply for the retirement visa while in Thailand there is no insurance requirement, and it is only required if you apply for the visa in your home country or outside of Thailand. If I am incorrect, somebody please correct me.
@garyb71328 ай бұрын
I arrived in Thailand yesterday and I got a 30 day visa on arrival, but the arrival card that I have needed to fill out on my 100 or so previous times I entered the country is not needed
@Theshark07778 ай бұрын
At this time, the government has not approved it for 60 days. We must wait. police at the border not yes for 60day kha
@LiveLoveThailand8 ай бұрын
Needs one week
@mariovandenhovel13418 ай бұрын
Good to know 🙏🙏🙏
@LiveLoveThailand8 ай бұрын
Welcome
@sanjivat8 ай бұрын
Very good news Arsen. My travel times are generally Nov or Dec. Must plan again. Was in bkk last Nov. Happy SL is in vis exemption list
@LiveLoveThailand8 ай бұрын
Happy holidays!
@sivabalasingham99188 ай бұрын
Very useful vlog Bro👍
@LiveLoveThailand8 ай бұрын
Thank you
@gabay19538 ай бұрын
Dear friend, thank you for a very important video. I wanted to ask please. I have been living in Thailand for over 15 years on a pensioner O visa and every year I have renewed without problems. This year at the renewal they also gave me a form that says that when updating the address of the next 90 days I have to show them the bank book And I didn't understand why, if you could explain please, thanks🙏
@ArsenAbroad8 ай бұрын
I think it's not nesacary to do that but could be a new case
@kevo84988 ай бұрын
Please keep us posted. Wow that's new!!! On 90 day reporting???
@carlotraverso81578 ай бұрын
great video, thanks
@LiveLoveThailand8 ай бұрын
Glad you liked it!
@vishalnehwal12788 ай бұрын
So now indians can visit and Stay upto 60 days as it was only for 30 days before ?? I have applied for Single entry visa which allow us to stay upto 60 days but if it is free I can save my money ... ❤
@sincerosincero97998 ай бұрын
Hardly any news for retirees, you still have the biggest headache of the 90 days reporting , and the re entry visa . The yearly visa is understandable and a must to keep the undesirable out. But the 90 days and re entry can be automatic made with a card, or a simple bank application.
@LiveLoveThailand8 ай бұрын
I agree
@naamsom5555 ай бұрын
Arsen, has the retirement visa required insurance of under 40,000 baht been implemented by the Thai Government as of this date, or has this been delayed like the 60 day entrance on arrival?
@LiveLoveThailand5 ай бұрын
I think they already applied it you can check on the official website
@naamsom5555 ай бұрын
@@LiveLoveThailand Thanks!
@animal93706 ай бұрын
I have a question. I purchase my tickest from the US to Thailand and accidentally my ticket is for 31 day return. 😬 Will they give me a hard time on arrival???? Thank you.
@LiveLoveThailand6 ай бұрын
no worries
@joakimbjerknes8 ай бұрын
60 days VOA is not yet in effect, not one person have been granted 60 days upon entering Thailand as of June 01st, three friends have just tried and got the usual admission stamp 01 June 2024 and until 30 June 2024... either because it's not yet official, or simply because, well... TiT...
@LiveLoveThailand8 ай бұрын
Calm down needs a week to be applied
@joakimbjerknes8 ай бұрын
@@LiveLoveThailand nothing to do with being calm, but - you, as someone who claims knowledge of Thailand - it's an idea to actually inform people that, unless confirmed through Gazette, nothing is official in Thailand. Been a week now, seen any 60 days stamp yet?
@DIWAKARTV8 ай бұрын
Thanks👍 love from 🇮🇳
@LiveLoveThailand8 ай бұрын
So nice of you
@AlexanderWitherow8 ай бұрын
Thanks for the updates I am retiring and moving to Thailand next year
@mariodolph10546 ай бұрын
How many times I can visit Thailand the year?
@somluck28138 ай бұрын
No change to visa regime on 1 June????
@josephbitar10048 ай бұрын
I love your vlogs bro
@muajin8 ай бұрын
I just saw a video saying that starting in June, Thailand will have a 60 day visa on arrival for certain countries *America included* Can you verify this?
@uytieu8 ай бұрын
I’m also curious about this.
@LiveLoveThailand8 ай бұрын
It's included in the vlog
@kiwifruitnz8 ай бұрын
Sadly New Zealand seems to have been overlooked. I can't understand why. Thanks for the update anyway. I'm going to Thailand soon.
@LiveLoveThailand8 ай бұрын
Why is that
@kiwifruitnz8 ай бұрын
I wish I knew. There seems to be no reason that we have been overlooked. Thanks for your videos. Always informative.
@Mike-du1dc8 ай бұрын
Nice Thanks! I am hoping in September they have good news for who they are calling "elderly retired" 😉 Meaning the over 50 retired & also the married to a Thai woman retired in Thailand visa's 🤞
@LiveLoveThailand8 ай бұрын
We shall see
@nicolagarattini98296 ай бұрын
Hello, I have a question 🤔 If I apply for the 60 days tourist visa, leave the country and come back after, can I apply for another 60 days Visa? And can I do this for as many visa as I want? Thank you very much🙏🙏
@ilcapitano_vap8 ай бұрын
👍 , but since when these new regulations come into force ?
@LiveLoveThailand8 ай бұрын
In june
@MrMaheshprabahath8 ай бұрын
Thanks for sharing the information glad to hear that Sri Lanka also travel without a visa to Thailand
@LiveLoveThailand8 ай бұрын
Our pleasure!
@GONADSable8 ай бұрын
Thai insurance companies don't give you insurance over 65 -70 years old so where do they get insurance?
@PchatLimroad8 ай бұрын
Gr8, thanks a lot 👌
@LiveLoveThailand8 ай бұрын
Most welcome 😊
@zacghent85648 ай бұрын
Great vlog I’m keen for more info on the DTV ? Thanks
@LiveLoveThailand8 ай бұрын
Coming soon!
@zacghent85648 ай бұрын
@@LiveLoveThailand awsum thank you I want to know how I can apply for one and get it so can arrive in Thailand with it ready to go for September 👍
@abbasmirah33498 ай бұрын
Clever stay more spend more👌🏽
@LiveLoveThailand8 ай бұрын
Yup
@wengelder92568 ай бұрын
Seriously ? At the same time , anyone staying more than 180 days will be taxed on any money repatriated into Thailand . Lol
@SatishSamouj8 ай бұрын
Thanks for the updates, Arsen. I love Thailand i have been there on April 24 for days and I want to be there for about one month can you help me about this one and what I need to do .thanks again.
@LiveLoveThailand8 ай бұрын
You can no problem
@Gannu_Maharaj8 ай бұрын
Which camera nd mic u use? Quality is awesome man 👍
@LiveLoveThailand8 ай бұрын
Dji
@RazmikTatavosian8 ай бұрын
Hi, Thanks for updeted. What do you do if you want to stay longer? If you apply, can you stay two more months?
@sshetty96837 ай бұрын
But how do we open Bank account before coming to thailand. What is the process?
@vshawnbeauty7 ай бұрын
Could you help me with some info about the new visa free for Sri lankan passport holders. Kind of confused how the process is.
@nightravenonline8 ай бұрын
So as european I can now stay 60 days in thailand without any visa ?
@joshcaughman71017 ай бұрын
What if I have visa on arrival for 30 days and then this was announced for 60 days. What should I do? Thoughts?
@ARCENAULT8 ай бұрын
Someone has not informed thai immigration at the airport because theybare stamping for 30ndays only and when wuestioned theybsaid they have no idea what i was telling them..i just retiurned from thailand yesterday after 30nday holiday
@haha-eg8fj8 ай бұрын
This is just a plan. It may start in July or may not roll out until late in the year. The information in social media is mostly inaccurate.
@MichaelPatterson-eq2fg7 ай бұрын
When does the rainey season end?
@robertbosek33628 ай бұрын
More answers more questions... but like you said let's stay positive! My question is if you know ... what type of visa I need to apply to open an joined account with my Thai wife?
@LiveLoveThailand8 ай бұрын
Marriage
@nickwatland35657 ай бұрын
I’ll be seeking insurance for a company remotely soon. Does digital nomad still apply ? Thanks
@P1Slips7 ай бұрын
Have to travel in different country now and then? I thought Have to pay 10,000 baht
@thestoictraveler11148 ай бұрын
The question is can you extend the 60 days for an additional 30 days or 60 days without leaving the country?
@LiveLoveThailand8 ай бұрын
Will be clear next week
@quiqueenri8 ай бұрын
This already apply? 😮😮 I have a trip to Thailand in two weeks and I'm from Mexico so previously I had to get a visa on arrival, but now can I not go to the visa on arrival counter and go directly to immigration?
@LiveLoveThailand8 ай бұрын
Check the list on thai embassy list
@TheWickJohn8 ай бұрын
I will use elite membership
@omarsen94617 ай бұрын
Hey, thank you for the video, is it official for Moroccan passports ? I just went to the embassy and they said that i still need a visa
@LiveLoveThailand7 ай бұрын
Not applied yet
@omarsen94617 ай бұрын
@@LiveLoveThailand hey again, do you have an idea about when it’s going to be visa free? I already booked for thailand
@coreyworthingtonii92306 ай бұрын
What if you just want to go to Thailand for 180 days and focus on gym training and stock trading? Assuming you have the 500,000 baht, can you get the DTV?
@censoredeveryday33202 ай бұрын
Did you find out the answer to your question? I'm in the same boat
@davidtraveleradventures65808 ай бұрын
Great video thanks, can i ask guestion? For usa citizen you know can come for 60 days which is great but can you leave and come back for another 60 days ? How many times could you do this in a year?
@kalpanashrestha12758 ай бұрын
so waiting for the DTV visa
@PeteNasia8 ай бұрын
Crossing land border from cambodia is only 30 days
@Tegzi18 ай бұрын
Hello! So this means that if I am from Romania I can get a visa on arrival for 60 days, confirmed ? And how much does it cost ? Before this update we only had the 15 days visa with the possibility of extension. Thank you in advance, all the best wishes !
@WeixDraqz8 ай бұрын
My first issue with the remote visa, the banks.. you need 500k bhat in a locak bank but to even open a bank account, you need a long term visa in place anyway dont you?
@LiveLoveThailand8 ай бұрын
Well there is a way no problem
@harshashamil60878 ай бұрын
Hi All, Is this new Visa rule effective or still in process of approval . There is so many different information every where, even the Embassy’s don’t have updated information. Please advice. Thanks
@pushkarrules20088 ай бұрын
I got 30 days with my USA passport on June 6 arrived in Bangkok airport
@terry713-h4c8 ай бұрын
Hi can the 60 day visa be extended for a further 30 days
@LiveLoveThailand8 ай бұрын
Will be clear very soon
@ChronicJade8 ай бұрын
Hi Arsen! What are the best course's to study in Thailand? Thank you
@LiveLoveThailand8 ай бұрын
English and muai thai
@Go-with-MALDIVIAN8 ай бұрын
I am here bkk. Hope to see you
@LiveLoveThailand8 ай бұрын
Sure thank you
@frankward23208 ай бұрын
I like to know if the visa on arrival for the US is extended to 2 months
@LiveLoveThailand8 ай бұрын
Yes 60 days
@danielsbrownnow8 ай бұрын
Yeah good , BUT....... when the 60 day exemption start, as for yesterday June 1st NOT !!!!!
@LiveLoveThailand8 ай бұрын
Take breath very soon 😂
@michaelshirley48748 ай бұрын
Arsen , it’s great news for a lot of people , I was planning a 3 month visit next month before I heard about the new visa changes , I want to know that if I stay for nearly 60 days , I was planing a visit to Indonesia for 10 days and then coming back to Thailand, will they give me another 60 days ?? I don’t know arsen , any ideas ?
@LiveLoveThailand8 ай бұрын
Which country you are from
8 ай бұрын
true still getting 30 days
@angelrivasart8 ай бұрын
Any changes for the Belarusians? I am from Spain, married to a Belarusian, we want to go to Thailand but for now it is very complicated. Maybe I can get digital nomad visa and she will be able to come with me as my spouse? Waiting for the visa details, thank you
@Hmmm3138 ай бұрын
Do you have more info about the retire or elite visa????
@LiveLoveThailand8 ай бұрын
Have entire vlog about elite visa you can check it
@wheresliam8 ай бұрын
For the remote / DN visa 180 day max per year, would you be penalized if you leave TH after 179 days consecutive stay, and then return again after minimum of 6 months?
@LiveLoveThailand8 ай бұрын
No consecutive stays not allowed
@Reevejeffrey8 ай бұрын
I have an Australian passport, and I’ve already been to Thailand twice this year and I wish to go back there again to see my girlfriend soon, do i need to apply for a visa? Because I’ve read that your only allowed two visits per year.