{"id":33889,"date":"2023-12-08T02:48:44","date_gmt":"2023-12-08T02:48:44","guid":{"rendered":"https:\/\/masterskills.org\/blog\/cong-ty-bao-hiem-insurance-company-la-gi-noi-dung-can-xac-dinh-ro-trong-mot-hop-dong-bao-hiem.html"},"modified":"2023-12-23T12:51:31","modified_gmt":"2023-12-23T05:51:31","slug":"cong-ty-bao-hiem-insurance-company-la-gi-noi-dung-can-xac-dinh-ro-trong-mot-hop-dong-bao-hiem","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/cong-ty-bao-hiem-insurance-company-la-gi-noi-dung-can-xac-dinh-ro-trong-mot-hop-dong-bao-hiem.html","title":{"rendered":"C\u00f4ng ty b\u1ea3o hi\u1ec3m (Insurance Company) l\u00e0 g\u00ec? N\u1ed9i dung c\u1ea7n x\u00e1c \u0111\u1ecbnh r\u00f5 trong m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m"},"content":{"rendered":"
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H\u00ecnh minh h\u1ecda (Ngu\u1ed3n: Masterskillscdn.com)<\/p>\n<\/div>\n<\/div>\n

C\u00f4ng ty b\u1ea3o hi\u1ec3m<\/font><\/font><\/h2>\n

Kh\u00e1i ni\u1ec7m<\/b><\/p>\n

C\u00f4ng ty b\u1ea3o hi\u1ec3m<\/b> trong ti\u1ebfng Anh l\u00e0 Insurance Company.<\/b><\/p>\n

C\u00f4ng ty b\u1ea3o hi\u1ec3m<\/b>\u00a0(trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 Insurer<\/b>) hay nh\u00e0 b\u1ea3o hi\u1ec3m l\u00e0 doanh nghi\u1ec7p ho\u1eb7c t\u1ed5 ch\u1ee9c b\u1ea3o hi\u1ec3m ch\u1ea5p nh\u1eadn r\u1ee7i ro c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, nh\u00e0 b\u1ea3o hi\u1ec3m thu ph\u00ed b\u1ea3o hi\u1ec3m v\u00e0 tr\u1ea3 ti\u1ec1n cho ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng ho\u1eb7c ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m trong tr\u01b0\u1eddng h\u1ee3p x\u1ea3y ra s\u1ef1 ki\u1ec7n b\u1ea3o hi\u1ec3m.<\/p>\n

Nh\u00e0 b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 l\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m, t\u1ed5 ch\u1ee9c b\u1ea3o hi\u1ec3m ti\u1ec1n g\u1eedi, c\u01a1 quan b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i – y t\u1ebf… ho\u1ea1t \u0111\u1ed9ng v\u00ec m\u1ee5c ti\u00eau l\u1ee3i nhu\u1eadn ho\u1eb7c phi l\u1ee3i nhu\u1eadn. Trong \u0111\u00f3, c\u00f4ng ty b\u1ea3o hi\u1ec3m l\u00e0 doanh nghi\u1ec7p \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp, t\u1ed5 ch\u1ee9c v\u00e0 ho\u1ea1t \u0111\u1ed9ng theo qui \u0111\u1ecbnh c\u1ee7a lu\u1eadt kinh doanh b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c qui \u0111\u1ecbnh kh\u00e1c c\u1ee7a ph\u00e1p lu\u1eadt c\u00f3 li\u00ean quan \u0111\u1ec3 kinh doanh b\u1ea3o hi\u1ec3m, t\u00e1i b\u1ea3o hi\u1ec3m.<\/p>\n

Ngo\u00e0i ho\u1ea1t \u0111\u1ed9ng kinh doanh b\u1ea3o hi\u1ec3m v\u00e0 kinh doanh t\u00e1i b\u1ea3o hi\u1ec3m, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f2n c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n m\u1ed9t s\u1ed1 ho\u1ea1t \u0111\u1ed9ng kh\u00e1c nh\u01b0: m\u00f4i gi\u1edbi b\u1ea3o hi\u1ec3m, \u0111\u1ea1i l\u00ed b\u1ea3o hi\u1ec3m, \u0111\u1ec1 ph\u00f2ng, h\u1ea1n ch\u1ebf r\u1ee7i ro, t\u1ed5n th\u1ea5t; gi\u00e1m \u0111\u1ecbnh t\u1ed5n th\u1ea5t v\u00e0 \u0111\u1ea1i l\u00ed gi\u00e1m \u0111\u1ecbnh t\u1ed5n th\u1ea5t; v\u00e0 \u0111\u1eb7c bi\u1ec7t l\u00e0 \u0111\u1ea7u t\u01b0 ngu\u1ed3n v\u1ed1n thu \u0111\u01b0\u1ee3c t\u1eeb ph\u00ed b\u1ea3o hi\u1ec3m.<\/p>\n

C\u0169ng gi\u1ed1ng nh\u01b0 c\u00e1c doanh nghi\u1ec7p kh\u00e1c, c\u00f4ng ty b\u1ea3o hi\u1ec3m cung c\u1ea5p c\u00e1c s\u1ea3n ph\u1ea9m v\u00e0 d\u1ecbch v\u1ee5 nh\u1eb1m m\u1ee5c ti\u00eau sinh l\u1eddi, tuy nhi\u00ean do \u0111\u1eb7c th\u00f9 trong l\u0129nh v\u1ef1c kinh doanh n\u00ean ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m lu\u00f4n \u0111\u1eb7t d\u01b0\u1edbi s\u1ef1 gi\u00e1m s\u00e1t v\u00e0 qu\u1ea3n l\u00ed ch\u1eb7t ch\u1ebd c\u1ee7a c\u00e1c c\u01a1 quan c\u00f3 th\u1ea9m quy\u1ec1n nh\u01b0: B\u1ed9 T\u00e0i ch\u00ednh, U\u1ef7 ban d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh, Hi\u1ec7p h\u1ed9i B\u1ea3o hi\u1ec3m…\u00a0<\/p>\n

T\u1ea1i Vi\u1ec7t Nam, ch\u00ednh ph\u1ee7 th\u1ed1ng nh\u1ea5t qu\u1ea3n l\u00ed nh\u00e0 n\u01b0\u1edbc v\u1ec1 kinh doanh b\u1ea3o hi\u1ec3m, B\u1ed9 T\u00e0i ch\u00ednh ch\u1ecbu tr\u00e1ch nhi\u1ec7m tr\u01b0\u1edbc ch\u00ednh ph\u1ee7 th\u1ef1c hi\u1ec7n qu\u1ea3n l\u00ed nh\u00e0 n\u01b0\u1edbc v\u1ec1 kinh doanh b\u1ea3o hi\u1ec3m. Kinh doanh b\u1ea3o hi\u1ec3m l\u00e0 l\u0129nh v\u1ef1c kinh doanh c\u00f3 \u0111i\u1ec1u ki\u1ec7n, \u0111\u1ec3 c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c c\u1ea5p gi\u1ea5y ph\u00e9p th\u00e0nh l\u1eadp v\u00e0 ho\u1ea1t \u0111\u1ed9ng th\u01b0\u1eddng ph\u1ea3i \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c nh\u1eefng \u0111i\u1ec1u ki\u1ec7n v\u1ec1 t\u00e0i ch\u00ednh v\u00e0 n\u0103ng l\u1ef1c chuy\u00ean m\u00f4n.<\/p>\n

Kh\u00e1i ni\u1ec7m li\u00ean quan<\/b><\/p>\n

Ho\u1ea1t \u0111\u1ed9ng b\u1ea3o hi\u1ec3m c\u1ee7a c\u00f4ng ty \u0111\u01b0\u1ee3c c\u1ee5 th\u1ec3 ho\u00e1 b\u1eb1ng h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m. Theo Lu\u1eadt D\u00e2n s\u1ef1 2005 c\u1ee7a Vi\u1ec7t Nam, \u201cH\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/b> l\u00e0 s\u1ef1 tho\u1ea3 thu\u1eadn gi\u1eefa c\u00e1c b\u00ean mua b\u1ea3o hi\u1ec3m ph\u1ea3i \u0111\u00f3ng ph\u00ed b\u1ea3o hi\u1ec3m, c\u00f2n b\u00ean b\u1ea3o hi\u1ec3m ph\u1ea3i tr\u1ea3 m\u1ed9t kho\u1ea3n ti\u1ec1n cho b\u00ean \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m khi x\u1ea3y ra ra s\u1ef1 ki\u1ec7n b\u1ea3o hi\u1ec3m\u201d.<\/p>\n

H\u1ee3p \u0111\u1ed3ng qui \u0111\u1ecbnh m\u1ed9t c\u00e1ch chi ti\u1ebft c\u00e1c n\u1ed9i dung c\u1ee7a ho\u1ea1t \u0111\u1ed9ng b\u1ea3o hi\u1ec3m, l\u00e0 c\u0103n c\u1ee9 \u0111\u1ec3 hai b\u00ean th\u1ef1c hi\u1ec7n c\u00e1c quy\u1ec1n v\u00e0 ngh\u0129a v\u1ee5 tr\u01b0\u1eddng ho\u1ea1t \u0111\u1ed9ng b\u1ea3o hi\u1ec3m c\u0169ng nh\u01b0 ph\u00e2n x\u1eed c\u00e1c tranh ch\u1ea5p ph\u00e1t sinh.<\/p>\n

N\u1ed9i dung c\u1ea7n x\u00e1c \u0111\u1ecbnh r\u00f5 trong m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/font><\/h2>\n

C\u00e1c b\u00ean tham gia v\u00e0 c\u00e1c n\u1ed9i dung c\u1ea7n x\u00e1c \u0111\u1ecbnh r\u00f5 trong m\u1ed9t ho\u1ea1t \u0111\u1ed9ng b\u1ea3o hi\u1ec3m hay h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m:<\/p>\n

– Ng\u01b0\u1eddi b\u1ea3o hi\u1ec3m (The Insurer):<\/b> l\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m, ch\u1ea5p nh\u1eadn r\u1ee7i ro c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, c\u00f4ng ty b\u1ea3o hi\u1ec3m thu ph\u00ed b\u1ea3o hi\u1ec3m v\u00e0 tr\u1ea3 ti\u1ec1n cho ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng ho\u1eb7c ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m trong tr\u01b0\u1eddng h\u1ee3p x\u1ea3y ra s\u1ef1 ki\u1ec7n b\u1ea3o hi\u1ec3m.<\/p>\n

– B\u00ean mua b\u1ea3o hi\u1ec3m (Policyowner):<\/b> l\u00e0 t\u1ed5 ch\u1ee9c c\u00e1 nh\u00e2n giao k\u1ebft h\u1ee3p \u0111\u1ed3ng v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 \u0111\u00f3ng ph\u00ed b\u1ea3o hi\u1ec3m. B\u00ean mua b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 \u0111\u1ed3ng th\u1eddi l\u00e0 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m ho\u1eb7c ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng.<\/p>\n

– Ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m (The insured):<\/b> l\u00e0 t\u1ed5 ch\u1ee9c c\u00e1 nh\u00e2n c\u00f3 t\u00ednh m\u1ea1ng, s\u1ee9c kho\u1ebb, t\u00e0i s\u1ea3n, tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m theo h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m. Ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 \u0111\u1ed3ng th\u1eddi l\u00e0 ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng.<\/p>\n

– Ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng (Beneficiary):<\/b> l\u00e0 t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n \u0111\u01b0\u1ee3c b\u00ean mua b\u1ea3o hi\u1ec3m ch\u1ec9 \u0111\u1ecbnh nh\u1eadn s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m theo h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/p>\n

– \u0110\u1ed1i t\u01b0\u1ee3ng b\u1ea3o hi\u1ec3m (The object of the insurance):<\/b> \u0111\u1ed1i t\u01b0\u1ee3ng b\u1ea3o hi\u1ec3m bao g\u1ed3m con ng\u01b0\u1eddi, t\u00e0i s\u1ea3n, tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 \u0111\u01b0\u1ee3c qui \u0111\u1ecbnh t\u1ea1i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m. \u0110\u1ed1i t\u01b0\u1ee3ng b\u1ea3o hi\u1ec3m l\u00e0 m\u1ed9t \u0111i\u1ec1u kho\u1ea3n r\u1ea5t quan tr\u1ecdng c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, tr\u00e1ch nhi\u1ec7m b\u1ed3i th\u01b0\u1eddng c\u1ee7a nh\u00e0 b\u1ea3o hi\u1ec3m ph\u00e1t sinh khi x\u1ea3y ra c\u00e1c s\u1ef1 ki\u1ec7n b\u1ea3o hi\u1ec3m hay r\u1ee7i ro li\u00ean quan v\u1edbi \u0111\u1ed1i t\u01b0\u1ee3ng b\u1ea3o hi\u1ec3m. Nh\u00e0 b\u1ea3o hi\u1ec3m th\u01b0\u1eddng ph\u1ea3i \u0111\u00e1nh gi\u00e1 v\u00e0 th\u1ea9m \u0111\u1ecbnh \u0111\u1ed1i t\u01b0\u1ee3ng b\u1ea3o hi\u1ec3m m\u1ed9t c\u00e1ch k\u0129 l\u01b0\u1ee1ng tr\u01b0\u1edbc khi ph\u00e1t h\u00e0nh h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/p>\n

– S\u1ef1 ki\u1ec7n b\u1ea3o hi\u1ec3m (Even insured):<\/b> l\u00e0 s\u1ef1 ki\u1ec7n kh\u00e1ch quan do c\u00e1c b\u00ean tho\u1ea3 thu\u1eadn ho\u1eb7c ph\u00e1p lu\u1eadt qui \u0111\u1ecbnh m\u00e0 khi s\u1ef1 ki\u1ec7n \u0111\u00f3 x\u1ea3y ra th\u00ec nh\u00e0 b\u1ea3o hi\u1ec3m ph\u1ea3i tr\u1ea3 thi\u1ec1n cho ng\u01b0\u1eddi thu h\u01b0\u1edfng ho\u1eb7c b\u1ed3i th\u01b0\u1eddng cho ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m. H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u0169ng ph\u1ea3i qui \u0111\u1ecbnh r\u00f5 v\u1ec1 \u0111i\u1ec1u kho\u1ea3n lo\u1ea1i tr\u1eeb tr\u00e1ch nhi\u1ec7m b\u1ea3o hi\u1ec3m. \u0110i\u1ec1u kho\u1ea3n lo\u1ea1i tr\u1eeb tr\u00e1ch nhi\u1ec7m b\u1ea3o hi\u1ec3m qui \u0111\u1ecbnh tr\u01b0\u1eddng h\u1ee3p doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m kh\u00f4ng ph\u1ea3i b\u1ed3i th\u01b0\u1eddng ho\u1eb7c kh\u00f4ng tr\u1ea3 ti\u1ec1n b\u1ea3o hi\u1ec3m khi x\u1ea3y ra s\u1ef1 ki\u1ec7n b\u1ea3o hi\u1ec3m.<\/p>\n

– S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m (Policy benefit):<\/b> l\u00e0 s\u1ed1 ti\u1ec1n \u0111\u01b0\u1ee3c ghi tr\u01b0\u1eddng h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m m\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m cam k\u1ebft tr\u1ea3 cho ng\u01b0\u1eddi ch\u1ee7 h\u1ee3p \u0111\u1ed3ng\/ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng trong tr\u01b0\u1eddng h\u1ee3p x\u1ea3y ra s\u1ef1 ki\u1ec7n b\u1ea3o hi\u1ec3m. S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m n\u1eb1m trong ph\u1ea1m vi quy\u1ec1n l\u1ee3i c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, l\u00e0 m\u1ee9c tr\u00e1ch nhi\u1ec7m cao nh\u1ea5t c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 c\u0169ng l\u00e0 c\u01a1 s\u1edf \u0111\u1ec3 t\u00ednh to\u00e1n ph\u00ed b\u1ea3o hi\u1ec3m.<\/p>\n

– Ph\u00ed b\u1ea3o hi\u1ec3m (Premium): <\/b>l\u00e0 kho\u1ea3n ti\u1ec1n m\u00e0 b\u00ean mua b\u1ea3o hi\u1ec3u ph\u1ea3i \u0111\u00f3ng cho c\u00f4ng ty b\u1ea3o hi\u1ec3m theo th\u1eddi h\u1ea1n v\u00e0 ph\u01b0\u01a1ng th\u1ee9c do c\u00e1c b\u00ean tho\u1ea3 thu\u1eadn tr\u01b0\u1eddng h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m. Ph\u00ed b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c t\u00ednh to\u00e1n v\u00e0 x\u00e1c \u0111\u1ecbnh d\u1ef1a tr\u00ean nhi\u1ec1u y\u1ebfu t\u1ed1, trong \u0111\u00f3 quan tr\u1ecdng nh\u1ea5t l\u00e0 s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m v\u00e0 m\u1ee9c \u0111\u1ed9 r\u1ee7i ro c\u1ee7a \u0111\u1ed1i t\u01b0\u1ee3ng b\u1ea3o hi\u1ec3m.<\/p>\n

(T\u00e0i li\u1ec7u tham kh\u1ea3o: Gi\u00e1o tr\u00ecnh Th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh v\u00e0 c\u00e1c \u0111\u1ecbnh ch\u1ebf t\u00e0i ch\u00ednh, NXB Kinh t\u1ebf Th\u00e0nh ph\u1ed1 H\u1ed3 Ch\u00ed Minh)<\/i><\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"

\n C\u00f4ng ty b\u1ea3o hi\u1ec3m (ti\u1ebfng Anh: Insurance Company) hay nh\u00e0 b\u1ea3o hi\u1ec3m l\u00e0 doanh nghi\u1ec7p ho\u1eb7c t\u1ed5 ch\u1ee9c b\u1ea3o hi\u1ec3m ch\u1ea5p nh\u1eadn r\u1ee7i ro c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m.\n <\/div>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[418],"tags":[],"_links":{"self":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/33889"}],"collection":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/comments?post=33889"}],"version-history":[{"count":1,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/33889\/revisions"}],"predecessor-version":[{"id":67774,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/33889\/revisions\/67774"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=33889"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=33889"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=33889"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}