{"id":47641,"date":"2023-12-16T19:00:39","date_gmt":"2023-12-16T19:00:39","guid":{"rendered":"https:\/\/masterskills.org\/blog\/quan-ly-tai-chinh-thong-minh-bang-quy-tac-6-chiec-lo.html"},"modified":"2023-12-16T19:00:39","modified_gmt":"2023-12-16T19:00:39","slug":"quan-ly-tai-chinh-thong-minh-bang-quy-tac-6-chiec-lo","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/quan-ly-tai-chinh-thong-minh-bang-quy-tac-6-chiec-lo.html","title":{"rendered":"Qu\u1ea3n L\u00fd T\u00e0i Ch\u00ednh Th\u00f4ng Minh B\u1eb1ng Quy T\u1eafc 6 Chi\u1ebfc L\u1ecd"},"content":{"rendered":"
\n

M\u1ed9t ng\u01b0\u1eddi th\u00e0nh c\u00f4ng v\u00e0 gi\u00e0u c\u00f3 l\u00e0 ng\u01b0\u1eddi s\u1edf h\u1eefu k\u1ef9 n\u0103ng qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh h\u1ee3p l\u00fd. L\u00fd do ph\u1ea3i qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh l\u00e0 g\u00ec? L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh hi\u1ec7u qu\u1ea3 h\u01a1n? Trong b\u00e0i vi\u1ebft n\u00e0y, Masterskills s\u1ebd chia s\u1ebb \u0111\u1ebfn c\u00e1c b\u1ea1n quy t\u1eafc 6 chi\u1ebfc l\u1ecd <\/strong>\u2013 quy t\u1eafc qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n th\u00f4ng minh.<\/p>\n

T\u1ea1i sao ph\u1ea3i qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n?<\/strong><\/h2>\n

V\u1edbi b\u1ea5t k\u1ef3 ai, vi\u1ec7c qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n l\u00e0 m\u1ed9t \u0111i\u1ec1u c\u1ef1c k\u1ef3 quan tr\u1ecdng n\u1ebfu b\u1ea1n mu\u1ed1n tr\u1edf n\u00ean th\u00e0nh c\u00f4ng v\u00e0 gi\u00e0u c\u00f3 h\u01a1n. Trong ph\u1ea7n n\u00e0y, Masterskills s\u1ebd ch\u1ec9 ra nh\u1eefng l\u00fd do m\u00e0 b\u1ea1n n\u00ean b\u1eaft \u0111\u1ea7u vi\u1ec7c qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh ngay h\u00f4m nay.\u00a0<\/p>\n

    \n
  • \u0110\u1ea3m b\u1ea3o nhu c\u1ea7u s\u1eed d\u1ee5ng ti\u1ec1n<\/li>\n
  • Qu\u1ea3n l\u00fd thu nh\u1eadp m\u1ed9t c\u00e1ch d\u1ec5 d\u00e0ng h\u01a1n<\/li>\n
  • \u0110\u1ea3m b\u1ea3o ng\u00e2n s\u00e1ch d\u1ef1 ph\u00f2ng, chi ti\u00eau v\u00e0 \u0111\u1ec3 d\u00e0nh<\/li>\n
  • Gia t\u0103ng d\u00f2ng ti\u1ec1n<\/li>\n
  • \u0110\u1ea3m b\u1ea3o an to\u00e0n t\u00e0i ch\u00ednh cho gia \u0111\u00ecnh<\/li>\n
  • Qu\u1ea3n l\u00fd v\u00e0 h\u1ea1n ch\u1ebf c\u00e1c kho\u1ea3n n\u1ee3 x\u1ea5u<\/li>\n
  • \u0110em \u0111\u1ebfn s\u1ef1 hi\u1ec3u bi\u1ebft v\u1ec1 t\u00e0i ch\u00ednh \u0111\u1ec3 ph\u1ee5c v\u1ee5 cho vi\u1ec7c gia t\u0103ng gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n<\/li>\n
  • C\u1ea3i thi\u1ec7n m\u1ee9c s\u1ed1ng c\u1ee7a b\u1ea1n<\/li>\n<\/ul>\n
    \n
    \"T\u1ea1i\"T\u1ea1i
    T\u1ea1i sao ph\u1ea3i qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n?<\/figcaption><\/figure>\n<\/div>\n

    Quy t\u1eafc 6 chi\u1ebfc l\u1ecd l\u00e0 g\u00ec?<\/strong><\/h2>\n

    B\u1eb1ng c\u00e1ch n\u00e0o \u0111\u1ec3 gi\u00fap b\u1ea1n qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n th\u00f4ng minh h\u01a1n? T\u00e1c gi\u1ea3 cu\u1ed1n s\u00e1ch \u201cB\u00ed m\u1eadt tri\u1ec7u ph\u00fa\u201d, \u00f4ng T. Harv Eker \u0111\u00e3 ph\u00e1t tri\u1ec3n m\u1ed9t quy t\u1eafc gi\u00fap m\u1ecdi ng\u01b0\u1eddi qu\u1ea3n l\u00fd ti\u1ec1n b\u1ea1c m\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3 h\u01a1n \u2013 quy t\u1eafc 6 chi\u1ebfc l\u1ecd<\/strong>.<\/p>\n

    Quy t\u1eafc 6 chi\u1ebfc l\u1ecd \u0111\u01b0\u1ee3c hi\u1ec3u m\u1ed9t c\u00e1ch \u0111\u01a1n gi\u1ea3n nh\u1ea5t l\u00e0 vi\u1ec7c ph\u00e2n chia thu nh\u1eadp c\u1ee7a b\u1ea1n th\u00e0nh 6 ph\u1ea7n \u0111\u1ef1ng trong 6 l\u1ecd kh\u00e1c nhau. M\u1ed7i l\u1ecd s\u1ebd \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng cho m\u1ed9t m\u1ee5c \u0111\u00edch ri\u00eang.<\/p>\n

    Cha \u0111\u1ebb c\u1ee7a quy t\u1eafc n\u00e0y cho bi\u1ebft, b\u1ea1n b\u1eaft \u0111\u1ea7u v\u1edbi bao nhi\u00eau ti\u1ec1n kh\u00f4ng quan tr\u1ecdng, m\u00e0 b\u1ea1n lu\u00f4n ph\u1ea3i chia ti\u1ec1n v\u00e0o 6 chi\u1ebfc l\u1ecd t\u00e0i ch\u00ednh n\u00e0y.<\/p>\n

    \n
    \"quy\"quy
    L\u00e0m sao \u0111\u1ec3 s\u1eed d\u1ee5ng quy t\u1eafc 6 chi\u1ebfc l\u1ecd?<\/figcaption><\/figure>\n<\/div>\n

    C\u00e1ch qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh hi\u1ec7u qu\u1ea3 s\u1eed d\u1ee5ng quy t\u1eafc 6 chi\u1ebfc l\u1ecd<\/strong><\/h2>\n

    D\u01b0\u1edbi \u0111\u00e2y l\u00e0 6 c\u00e1i l\u1ecd qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n m\u00e0 b\u1ea1n c\u00f3 th\u1ec3 tham kh\u1ea3o.<\/p>\n

    L\u1ecd th\u1ee9 nh\u1ea5t: Chi ti\u00eau c\u1ea7n thi\u1ebft<\/strong><\/h3>\n

    Trong l\u1ecd n\u00e0y, b\u1ea1n s\u1ebd l\u1ea5y 55% thu nh\u1eadp<\/strong> c\u1ee7a m\u00ecnh \u0111\u1ec3 cho v\u00e0o l\u1ecd. Ph\u1ea7n n\u00e0y s\u1ebd ph\u1ee5c v\u1ee5 cho nhu c\u1ea7u chi ti\u00eau c\u1ea7n thi\u1ebft c\u1ee7a b\u1ea1n, ch\u1eb3ng h\u1ea1n nh\u01b0 chi ph\u00ed sinh ho\u1ea1t, ti\u1ec1n \u0103n u\u1ed1ng, x\u0103ng xe, v.v.\u00a0<\/p>\n

    Chi\u1ebfc l\u1ecd \u0111\u1ea7u ti\u00ean s\u1ebd \u0111\u1ea3m b\u1ea3o b\u1ea1n c\u00f3 th\u1ec3 chi tr\u1ea3 c\u00e1c kho\u1ea3n chi ph\u00ed c\u1ea7n thi\u1ebft th\u01b0\u1eddng ng\u00e0y.<\/p>\n

    L\u1ecd th\u1ee9 hai: Ti\u1ebft ki\u1ec7m d\u00e0i h\u1ea1n<\/strong><\/h3>\n

    Trong l\u1ecd th\u1ee9 hai, b\u1ea1n s\u1ebd l\u1ea5y 10% thu nh\u1eadp<\/strong> \u0111\u1ec3 v\u00e0o trong l\u1ecd. L\u1ecd n\u00e0y s\u1ebd ph\u1ee5c v\u1ee5 cho nhu c\u1ea7u ti\u1ebft ki\u1ec7m d\u00e0i h\u1ea1n hay d\u00e0nh cho nh\u1eefng kho\u1ea3n chi ti\u00eau l\u1edbn nh\u01b0 mua nh\u00e0, mua xe, v.v.<\/p>\n

    \u0110\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau tr\u00ean, b\u1ea1n c\u1ea7n t\u00edch l\u0169y ti\u1ec1n \u0111\u1ec1u \u0111\u1eb7n trong m\u1ed9t kho\u1ea3ng th\u1eddi gian d\u00e0i. Qua th\u1eddi gian, kho\u1ea3n ti\u1ebft ki\u1ec7m s\u1ebd ng\u00e0y c\u00e0ng l\u1edbn v\u00e0 \u0111\u1ebfn g\u1ea7n v\u1edbi m\u1ee5c ti\u00eau c\u1ee7a b\u1ea1n.<\/p>\n

    B\u00ean c\u1ea1nh \u0111\u00f3, chi\u1ebfc l\u1ecd n\u00e0y c\u0169ng \u0111\u01b0\u1ee3c xem nh\u01b0 l\u00e0 m\u1ed9t v\u1eadt ph\u00f2ng th\u00e2n khi b\u1ea1n ph\u1ea3i chi ti\u00eau c\u00e1c kho\u1ea3n \u0111\u1ed9t xu\u1ea5t.\u00a0<\/p>\n

    \n
    <\/figure>\n<\/div>\n

    L\u1ecd th\u1ee9 ba: Qu\u1ef9 t\u1ef1 do t\u00e0i ch\u00ednh<\/strong><\/h3>\n

    Trong l\u1ecd n\u00e0y, b\u1ea1n s\u1ebd b\u1ecf v\u00e0o 10% thu nh\u1eadp c\u1ee7a m\u00ecnh \u0111\u1ec3 ph\u1ee5c v\u1ee5 cho m\u1ee5c \u0111\u00edch ti\u1ebft ki\u1ec7m v\u00e0 t\u1ef1 do t\u00e0i ch\u00ednh trong t\u01b0\u01a1ng lai.\u00a0<\/p>\n

    B\u1ea1n n\u00ean ph\u00e2n b\u1ed5 ti\u1ec1n cho c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 c\u00f3 th\u1ec3 t\u1ea1o ra ngu\u1ed3n thu nh\u1eadp th\u1ee5 \u0111\u1ed9ng, c\u00f3 th\u1ec3 l\u00e0 ch\u1ee9ng kho\u00e1n, \u0111\u1ea7u t\u01b0 qu\u1ef9, v.v. Khi b\u1ea1n b\u1ecf ti\u1ec1n v\u00e0o \u0111\u00e2y, b\u1ea1n s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c ti\u00eau v\u1edbi b\u1ea5t k\u1ef3 m\u1ee5c \u0111\u00edch n\u00e0o kh\u00e1c.\u00a0<\/p>\n

    N\u1ebfu \u0111\u1ea7u t\u01b0 t\u1eeb s\u1edbm v\u00e0 bi\u1ebft c\u00e1ch s\u1eed d\u1ee5ng v\u1ed1n hi\u1ec7u qu\u1ea3, b\u1ea1n s\u1ebd kh\u00f4ng m\u1ea5y ch\u1ed1c m\u00e0 gia t\u0103ng gi\u00e1 tr\u1ecb d\u00f2ng ti\u1ec1n ban \u0111\u1ea7u l\u00ean.<\/p>\n

    L\u1ecd th\u1ee9 t\u01b0: H\u01b0\u1edfng th\u1ee5<\/strong><\/h3>\n

    B\u00ean c\u1ea1nh vi\u1ec7c d\u00e0nh ti\u1ec1n \u0111\u1ec3 ti\u1ebft ki\u1ec7m v\u00e0 \u0111\u1ea7u t\u01b0, b\u1ea1n \u0111\u1eebng qu\u00ean \u0111\u1ec3 ra m\u1ed9t ph\u1ea7n thu nh\u1eadp \u0111\u1ec3 ph\u1ee5c v\u1ee5 cho c\u00e1c ho\u1ea1t \u0111\u1ed9ng vui ch\u01a1i, gi\u1ea3i tr\u00ed. Trong l\u1ecd n\u00e0y, b\u1ea1n h\u00e3y b\u1ecf v\u00e0o \u0111\u00f3 10% thu nh\u1eadp<\/strong> c\u1ee7a m\u00ecnh.<\/p>\n

    \u0110\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau t\u1ef1 do t\u00e0i ch\u00ednh, tinh th\u1ea7n c\u1ee7a b\u1ea1n c\u0169ng c\u1ea7n \u0111\u01b0\u1ee3c vui v\u1ebb, v\u00e0 tho\u1ea3i m\u00e1i. V\u1eady n\u00ean, b\u1ea1n h\u00e3y s\u1eed d\u1ee5ng chi\u1ebfc l\u1ecd n\u00e0y \u0111\u1ec3 th\u01b0 gi\u00e3n cho b\u1ea3n th\u00e2n, \u0111\u00f3 c\u00f3 th\u1ec3 l\u00e0 m\u1ed9t b\u1eefa \u0103n, m\u1ed9t chuy\u1ebfn \u0111i du l\u1ecbch, mua s\u1eafm, v.v.<\/p>\n

    \n
    \"M\u1ed9t\"M\u1ed9t
    M\u1ed9t trong 6 l\u1ecd l\u00e0 \u0111\u1ec3 ph\u1ee5c v\u1ee5 cho c\u00e1c ho\u1ea1t \u0111\u1ed9ng vui ch\u01a1i, gi\u1ea3i tr\u00ed.<\/figcaption><\/figure>\n<\/div>\n

    L\u1ecd th\u1ee9 n\u0103m: H\u1ecdc t\u1eadp<\/strong><\/h3>\n

    H\u1ecdc t\u1eadp \u0111\u1ec3 n\u00e2ng cao ki\u1ebfn th\u1ee9c l\u00e0 m\u1ed9t m\u1ee5c ti\u00eau h\u1ebft s\u1ee9c quan tr\u1ecdng gi\u00fap b\u1ea1n n\u00e2ng cao gi\u00e1 tr\u1ecb th\u00e2n. B\u1ea1n h\u00e3y b\u1ecf ra 10% thu nh\u1eadp<\/strong> \u0111\u1ec3 ph\u1ee5c v\u1ee5 cho ho\u1ea1t \u0111\u1ed9ng n\u00e0y.<\/p>\n

    \u0110\u1ea7u t\u01b0 v\u00e0o b\u1ea3n th\u00e2n ch\u01b0a bao gi\u1edd l\u00e0 l\u00e3ng ph\u00ed. B\u1edfi, t\u00e0i s\u1ea3n qu\u00fd gi\u00e1 nh\u1ea5t c\u1ee7a b\u1ea1n l\u00e0 ki\u1ebfn th\u1ee9c v\u00e0 kinh nghi\u1ec7m.<\/p>\n

    Nh\u1eefng ng\u01b0\u1eddi th\u00e0nh c\u00f4ng l\u00e0 nh\u1eefng ng\u01b0\u1eddi kh\u00f4ng ng\u1eebng h\u1ecdc h\u1ecfi v\u00e0 trau d\u1ed3i ki\u1ebfn th\u1ee9c m\u1edbi. V\u1eady n\u00ean, b\u1ea1n h\u00e3y s\u1eed d\u1ee5ng kho\u1ea3n ti\u1ec1n n\u00e0y m\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3 \u0111\u1ec3 n\u00e2ng cao tr\u00ecnh \u0111\u1ed9, n\u0103ng l\u1ef1c c\u1ee7a b\u1ea1n th\u00e2n.<\/p>\n

    L\u1ecd th\u1ee9 s\u00e1u: Gi\u00fap \u0111\u1ee1 ng\u01b0\u1eddi kh\u00e1c<\/strong><\/h3>\n

    B\u1ea1n h\u00e3y d\u00e0nh kho\u1ea3ng 5% thu nh\u1eadp c\u00f2n l\u1ea1i c\u1ee7a m\u00ecnh \u0111\u1ec3 l\u00e0m c\u00e1c c\u00f4ng vi\u1ec7c t\u1eeb thi\u1ec7n, gi\u00fap \u0111\u1ee1 c\u1ed9ng \u0111\u1ed3ng, b\u1ea1n b\u00e8, ng\u01b0\u1eddi than. Khi b\u1ea1n \u0111\u00e3 c\u00f3 \u0111\u01b0\u1ee3c s\u1ef1 \u1ed5n \u0111\u1ecbnh v\u1ec1 t\u00e0i ch\u00ednh, \u0111\u1eebng ng\u1ea7n ng\u1ea1i gi\u00fap \u0111\u1ee1 nh\u1eefng ng\u01b0\u1eddi kh\u00e1c tr\u00ean h\u00e0nh tr\u00ecnh c\u1ee7a h\u1ecd.<\/p>\n

    N\u1ebfu c\u00f3 nhi\u1ec1u th\u1ee9 c\u1ea7n ph\u1ea3i chi h\u01a1n hay ch\u01b0a \u1ed5n \u0111\u1ecbnh v\u1ec1 t\u00e0i ch\u00ednh, b\u1ea1n c\u00f3 th\u1ec3 gi\u1ea3m t\u1ef7 l\u1ec7 n\u00e0y xu\u1ed1ng nh\u01b0ng h\u00e3y lu\u00f4n tr\u00edch ra m\u1ed9t ph\u1ea7n nh\u1ecf \u0111\u1ec3 gi\u00fap \u0111\u1ee1 ng\u01b0\u1eddi kh\u00e1c nh\u00e9.<\/p>\n

    \n
    H\u00e3y lu\u00f4n tr\u00edch ra m\u1ed9t ph\u1ea7n nh\u1ecf \u0111\u1ec3 gi\u00fap \u0111\u1ee1 ng\u01b0\u1eddi kh\u00e1c nh\u00e9.<\/figcaption><\/figure>\n<\/div>\n

    T\u1ea1m k\u1ebft<\/strong><\/h2>\n

    Tr\u00ean \u0111\u00e2y l\u00e0 nh\u1eefng chia s\u1ebb v\u1ec1 quy t\u1eafc qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh \u2013 quy t\u1eafc 6 chi\u1ebfc l\u1ecd <\/strong>m\u00e0 Masterskills mu\u1ed1n g\u1eedi \u0111\u1ebfn b\u1ea1n. Hy v\u1ecdng b\u00e0i vi\u1ebft n\u00e0y \u0111\u00e3 gi\u00fap b\u1ea1n c\u00f3 g\u00f3c nh\u00ecn t\u1ed5ng quan v\u1ec1 t\u1ea7m quan tr\u1ecdng c\u1ee7a vi\u1ec7c qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n, hi\u1ec3u bi\u1ebft v\u1ec1 6 l\u1ecd qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh, c\u0169ng nh\u01b0 bi\u1ebft c\u00e1ch qu\u1ea3n l\u00fd ti\u1ec1n b\u1ea1c th\u00f4ng minh nh\u1ea5t.<\/p>\n

    N\u1ebfu b\u1ea1n c\u00f2n b\u1ea5t k\u1ef3 c\u00e2u h\u1ecfi n\u00e0o, \u0111\u1eebng ng\u1ea7n ng\u1ea1i \u0111\u1ec3 l\u1ea1i b\u00ecnh lu\u1eadn \u0111\u1ec3 \u0111\u01b0\u1ee3c Masterskills h\u1ed7 tr\u1ee3 gi\u1ea3i \u0111\u00e1p nh\u00e9.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

    M\u1ed9t ng\u01b0\u1eddi th\u00e0nh c\u00f4ng v\u00e0 gi\u00e0u c\u00f3 l\u00e0 ng\u01b0\u1eddi s\u1edf h\u1eefu k\u1ef9 n\u0103ng qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh h\u1ee3p l\u00fd. L\u00fd do ph\u1ea3i qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh l\u00e0 g\u00ec? L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh hi\u1ec7u qu\u1ea3 h\u01a1n? Trong b\u00e0i vi\u1ebft n\u00e0y, Masterskills s\u1ebd chia s\u1ebb \u0111\u1ebfn c\u00e1c b\u1ea1n quy t\u1eafc 6 chi\u1ebfc l\u1ecd […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[427],"tags":[],"_links":{"self":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/47641"}],"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=47641"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/47641\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=47641"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=47641"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=47641"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}