Buy Home Owners Insurance

About 85 of homeowners have home insurance policies with the most common type being HO-3 about 78 according to data from the National Association of Insurance Commissioners NAIC. Non completion of the building contract or defective works which are deemed by law to be the builders responsibility for a nominated warranty period.

What Does Homeowners Insurance Cover Allstate

Home Warranty insures the home owner either the original owner or subsequent owners against.

Buy home owners insurance. Buying a home can be so overwhelming that its easy for first-time buyers especially to give minimal thought to the homeowners insurance process. Figure out how you want to shop for homeowners insurance. When shopping for home insurance youll need to determine the types of coverage and policy limits you need to buy in order to protect your property.

Keep in mind that many insurance carriers offer discounts if you bundle multiple policies install smart home technology or have a. No matter where you live you can and should insure property in the state in which the real estate exists. Most mortgage lenders will require a homeowners insurance policy.

Insurance companies will base your premiums on the location of the property not on your physical residence. By securing the coverage you need before you even move into your new home you safeguard your purchase from disaster. Buy enough insurance to cover the labor and materials to completely rebuild your home called the replacement value or replacement cost.

Remember when buying a homeowners policy you need enough coverage to replace your house and its contents. Before you begin shopping for your homeowners insurance policy you. How to buy homeowners insurance Step 1.

If the companies youre reviewing are part of the Best Home Insurance Companies study mentioned above youre in luck because weve done the research for you. Steps in Purchasing Homeowners Insurance Decid e What You Want to Cover. Rule of thumb.

Where your builder has died disappeared or become insolvent. The best way to shop for any type of insurance be it. However you should have at least 300000 to 500000 if you can afford it.

A homeowners policy typically covers losses and damages to your personal residence as well as furnishings and certain other assets within your home. Homeowners insurance is a type of property insurance that safeguards your home and other valuable items. Nearly every major insurer in the US.

Understand your homeowners insurance needs. The Basics Of Home Insurance Coverage Understanding How much homeowners coverage you need. Homeowners insurance protects against damage to your home and belongings from windhail fire lightning theft and other covered occurrences.

Find the best homeowners insurance for your property. You can save money on insuring both properties by using a single insurance company for all pieces of property. The process for buying homeowners insurance can be confusing and outright time consuming if you dont know what you are doing.

Homeowners insurance quotes comparison buy home insurance online instantly cheapest homeowners insurance cheap homeowners insurance online cheap homeowners insurance in georgia best affordable home insurance low cost home insurance nationwide homeowners insurance Billiard table to 500 Americans went back simply understand unforeseen and hassle-free. To purchase homeowners insurance the right way you will need to know a few things. Where to buy homeowners insurance.

Homeowners insurance will pay to repair or replace your house if it is destroyed or damaged by fire tornado hurricanes noreasters or most any other type of natural -- except floods -- and human-made calamity. Review our annual Best Home Insurance Companies to get some ideas of where to start. Sean Thomforde Shutterstock Homeowners insurance in a nutshell.

The final amount of homeowners insurance that you need is going to depend on the costs of replacing several things. Another way is to buy a good homeowners insurance policy. The necessary coverage will vary based on the location and risks associated with individual homes so youll need to evaluate your own property and location to determine what coverage you should buy.

The Insurance Information Institute III recommends you buy enough to cover your assets or at least 300000 to 500000 worth of coverage for the average homeowner. To determine how much coverage you need calculate the replacement. Home insurance may also offer liability coverage against certain types of accidents that occur within your home or on your property.

Additionally your home insurance policy safeguards your assets if youre liable for someone elses injuries or property damage. It is important to research various insurance policy options as. Standard homeowners insurance coverage may not be sufficient to repair or replace your.

In general you purchase homeowners insurance before closing on the home. Determine Ho w Much Homeowners Insurance You Need. Yet if something happens to your home.

This is broad coverage on personal property that insures against a number of perils such as fire windstorms. Most homeowners insurance policies come with a minimum of 100000 in coverage and on a mortgaged home they usually cover up to the value of your home.

Non Fasting Blood Sugar Range

A fasting glucose level on the other hand should be no higher than 126. Thus both can give an indication as to the level of control.

Diabetes 101 Symptoms Types Causes And Prevention Homage

Normal and diabetic blood sugar ranges.

Non fasting blood sugar range. You will likely be diagnosed with diabetes if any random blood sugar reading is at least 201. Fasting values need a fast of up to 8-12 hours whereas non-fasting values need only up to 2 hours. Exercise can increase insulin sensitivity.

Normal glucose tolerance not diabetic. Normal and diabetic blood sugar ranges For the majority of healthy individuals normal blood sugar levels are as follows. You may be considered a prediabetic if your fasting glucose is between 100 and 125 mgdL.

For those without diabetes normal blood sugar levels are considered between 70 to 99 mgdL after fasting and less than 140 after eating. Impaired fasting glucose IGF or Pre-diabetes. Physical activity and exercise helps to maintain a normal blood sugar levels.

FBS value is. 100-120 is called impaired fasting glucose or pre-diabetes. For example some children and adolescents with type 1 or type 2 diabetes people who have severe complications from diabetes.

Between 40 to 54 mmolL 72 to 99 mgdL when fasting Up to 78 mmolL 140 mgdL 2 hours after eating. The normal range for this measurement is between 70 and 100 milligrams per deciliter. Non-fasting Blood Sugar Levels.

Warning Risk factors for type 2 diabetes include. When you have a nutrient deficiency and. Typically fasting blood glucose levels are taken in the morning before any breakfast is eaten.

BLOOD SUGAR CHART. After eating blood sugar rises but usually not above 140 milligrams per deciliter in a healthy patient. This blood sugar chart shows normal blood glucose levels before and after meals and recommended HbA1c levels for people with and without diabetes.

Eat low-glycemic foods and monitor your carbohydrate consumption. Fasting blood sugar levels are usually measured six to eight hours after a persons last meal according to Edward S. It depends on your diet lifestyle and overall health.

A fasting blood glucose less than 100 is normal. From 100 to 125 mgdL or 56 to 69 mmolL. Per the American Diabetes Association Guidelines Fasting Glucose Ranges.

Impaired fasting glucose IFG should be seen as a wake-up call. A normal blood sugar range when fasting is between 74 and 106 and between 70 and 139 for non-fasting. When blood sugar level.

A fasting blood glucose test measures the amount of glucose in your blood after an eight-hour period without any food or beverage other than water. Normal fasting blood glucose level for a non-diabetic person should be around 70-99 mgdL. You can also try the best fat-burning foods to lose weight quickly.

Keeping your blood sugar in a target range reduces your risk of problems such as diabetic eye disease retinopathy kidney disease nephropathy and nerve disease neuropathy. Fasting Blood Sugar Ranges. How do Blood Sugar levels work.

For diabetics normal blood sugar levels are considered between 80 to 130 mgdL after fasting and less than 180 mgdL one to two hours after eating. Values for Non-Fasting Glucose Blood Sugar and What They Mean For non-diabetics the normal glucose reading two hours after a meal should be less than 140 mgdL. Your doctor may diagnose diabetes if you have two.

A person with a fasting blood sugar over 120 or a non-fasting blood sugar over 200 is diabetic. Your blood sugar level range can be low or normal or even high. Normal for person without diabetes.

From 70 to 99 mgdL or 39 to 55. Fasting blood sugar levels are measured by taking a blood test after a period of fasting usually of 8 hours without food. Many factors affect a persons homeostatic mechanism of blood sugar regulation known as glucose homeostasis when operating normally restores the blood sugar level to a narrow range of about 44 to 61 mmolL 79 to 110 mgdL as measured by a fasting blood glucose test.

Further tests provide insight into how long it takes a persons blood sugar to spike and drop after eating. 7099 mgdl 3955 mmolL Official ADA recommendation for someone with diabetes. Difference Between Fasting and Nonfasting Blood Sugar Both the tests measure the venous blood glucose levels.

Fasting Blood Glucose This test measures the amount of glucose in a persons blood after he has fasted for at least 8 hours without consuming any food or beverages except water. Blood sugar levels vary throughout the day and with food intake so no single blood sugar reading can reveal how well or not someone is processing sugar. A condition in which blood sugar levels are higher than normal but not high enough to be considered.

Some people can work toward lower numbers and some people may need higher goals. 80130 mgdl 4472 mmolL 1. According to the American Diabetes Association a normal fasting blood glucose level is less than 100 mgdL.

Non-fasting blood sugar levels are considered random readings where a persons levels should be no higher than 200 mgdl or it indicates type 2 diabetes. There are a number of things you can do to maintain normal non-fasting blood sugar levels. There are two conditions Hypoglycemia and Hyperglycemia.

When having your fasting blood glucose levels take you should not have any drinks apart from water during the period of fasting. Here is a detailed explanation of blood sugar levels and how it works.

Rush Limbaugh Lung Cancer Symptoms

Here are the signs and symptoms of lung cancer from the National Cancer Society. Support the Majority Reports video content by going to http.

Rush Limbaugh Says He S Been Diagnosed With Lung Cancer

A cough that does not go away or gets worse Coughing up blood or rust-colored sputum spit or phlegm Chest pain that is often worse with deep breathing coughing or laughing.

Rush limbaugh lung cancer symptoms. As with any type of cancer early detection is a key factor when it comes to chances of survival. Limbaugh said on air that he first began experiencing shortness of breath on January 12. The scans did show some progression of cancer Limbaugh.

For those who havent already heard the notorious American right-wing political commentator and radio host Rush Limbaugh died of advanced lung cancer on 17 February 2021 at the age of seventy. New York CNN Business Rush Limbaugh the conservative talk show radio host is battling stage 4 lung cancer and said Monday hes had a. Limbaugh revealed last year that his lung cancer was terminal.

By January 20 two medical institutions had diagnosed him with advanced lung cancer. My thoughts on him beating lung cancer. A cough that does not go away or gets worse Coughing up blood or rust-colored sputum spit or phlegm.

As the cancer advances to. A cough that does not go away or gets worse Coughing up blood or rust-colored sputum spit or phlegm Chest pain. Hemoptysis Malaise Weight loss Dyspnea Hoarseness.

Conservative radio host Rush Limbaugh said on his show Monday that his lung cancer had progressed to stage 4 and had become terminal. Log into your account. We stream our live show every day at 12 PM ETWe need your help to keep providing free videos.

Rush Limbaugh cancer FILE - This Nov. For example in addition to working to shrink or eliminate the actual cancer radiation may be used in managing symptoms such as bone pain due to bone metastases headaches and weakness caused by brain metastases bleeding from the lungs and bowel or bladder symptoms caused by obstruction of the spinal cord. Rush is a national treasure.

Currently he said he is not experiencing any other symptoms. I saw him speak at CPAC in 2009 without a teleprompter and he went for well over an hour holding the audience captivated. Here are the signs and symptoms of lung cancer from the National Cancer Society.

Longtime influential conservative radio host Rush Limbaugh announced on his show Monday he was diagnosed with advanced lung cancer a shocking announcement in which he said he will miss shows. Rush Limbaugh has been diagnosed with advanced lung cancer the conservative radio host announced on his show Monday. However as the cancer is more advanced patients do complain of back chest pain shortness of breath coughing up blood or in the mucus and hoarseness in their voice.

Rush Limbaugh the popular right-wing radio show host has died at age 70 according to an announcement by his wife on his radio show Wednesday. Other presenting symptoms include the following. Limbaugh said he first realized something was wrong on his birthday January.

Rush Limbaugh was the driving force on my decision to get into radio. The most common symptoms of lung. Its obviously usually considered poor taste to speak.

5 2018 file photo shows radio personality Rush Limbaugh introducing President Donald Trump at the start of a campaign rally in Cape Girardeau Mo. Here are the signs and symptoms of lung cancer from the National Cancer Society. So what are the signs and symptoms to look out for.

How To Get 0 Financing On A Used Car

Back in the day used car-buying. 0 financing for 72 months plus 1000 bonus cash.

What You Need To Know About Zero Percent Car Loans Edmunds

0 financing for 72 months plus 1500 bonus cash.

How to get 0 financing on a used car. With the COVID-19 outbreak holding back auto sales in much of the country carmakers are doing everything they can to entice borrowers to select their brand. A car is selling for 20000 with a 0 financing offer that must be paid off in four years. This is why its ultra-important to review 0 car deals closely and get preapproved for an auto loan before you go to the dealership.

How to Qualify for 0 Financing. There are countless car commercials advertising 0 per cent financing. A better approach to is focus on negotiating the sales price of the used car you want and then get competitive financing from a bank or credit union.

The make and model of. Know your credit score going in. Sometimes these deals stretch out for as much as 72 months or six years.

0 financing for 60 months plus 7500 bonus cash. You can get a car loan from a number of places. A lower interest rate can help reduce how much youll have to pay.

If you tell the dealer you want 0 financing before you negotiate the. Manufacturers and dealerships are the most common places to find 0 financing options. Once youve found a 0 APR auto loan you can still try to get the best deal possible on the car.

With the average price of a new vehicle at around 38000 the total cost to finance it for five years with 5000 down and interest at 50 would be 4365. Another way that zero percent financing can be a bad deal is if its just too long of a loan. Scoring a zero percent deal can save you thousands of dollars in interest payments over the life of your auto loan.

If you have to get a car loan be as pragmatic as possible. Most 0 financing deals are widely advertised in newspapers and on television. Monthly payments on this loan will amount to 416.

Right now German automaker Volkswagen is leading the pack in savings offering consumers 0 APR financing for 60 months on most of their certified pre-owned vehicles. But thats generally on offer only for buyers with stellar credit Hannah said. A preapproved auto loan offer will not provide you with a 0 APR in all likelihood but it can give you an idea if youre eligible for the lowest rates and let you know how lenders see your financial health.

A good rule of thumb is to make at least a 20 percent down payment on a car to avoid financial insecurity. One tip is to wait to tell the dealer that youre looking for 0 APR until after youve negotiated the price of the car. At 00 its well zero.

It is still a good idea to secure financing with your bank or credit union before you go car shopping. Unless youre looking at 0 or another really low APR the best way to buy a car is with cash. And if youre hoping to score a 0 APR car loan youll likely need a very good or exceptional FICO Score which means a score of 740 or above.

Search on the manufacturers website for current deals these change every month or quarter and not every model will be eligible. Its possible to qualify for a car loan even if you have bad credit but having a good credit score is important if you want to qualify for a low interest rate. However you can go to a carmakers website and search for terms such as incentives.

If your dealer doesnt offer 0 APR financing but you want to negotiate for them to pay your interest it helps if you have a relationship with the dealership. How to Get a 0 APR Car Loan. One Automaker Is Offering 0 Interest on Used Cars.

Alternatively an auto loan offered by a credit union at the average national rate would give the loan an annual percentage rate APR of 345. Whether youre negotiating to buy a used car from a private party or a dealer learning a few simple concepts can save you a lot of money. Occasionally a dealership will advertise a no-interest deal on a used vehicle but these are very hard to find.

Shop for a loan before you go to the dealership and use those offers as leverage to get the lowest APR possible. The catch in 0 financing. Find a car loan that works for me Compare Loans Now 3.

Some are even slashing interest rates to 0 APR on some new and used models. Do get preapproved for a car loan. When you borrow to buy a car the lender calculates how much you have to pay in principal and interest each month to reach a zero balance at the end of your repayment schedule.

Apply for the loan after youve negotiated your car price. 0 financing for 60 months plus 500 bonus cash and no payment for 90 days. This preapproval can serve as a backup loan in case you.

One of the best deals you can get is a zero percent financing offer.

American Express Blue Cash Preferred Streaming Services

Blue Cash Preferred Card from American Express. Examples of streaming services that earn this 6 cash-back include Netflix Disney Hulu CBS All Access Pandora Spotify Prime Video and many more.

American Express Unveils The Refreshed Blue Cash Preferred Card Offering Rich New Benefits For Card Members To Further Elevate Their Every Day Business Wire

Gas stations and on eligible transit and 1 on other purchases.

American express blue cash preferred streaming services. Earn 3 cash back on transit. Blue Cash Preferred Card from American Express. American Express Blue Cash Preferred card offers cash back at supermarkets transit and many other everyday purchases.

Streaming services and on expenses like US. It offers a generous 6 cash back at US. The Blue Cash Preferred Card from American Express can be valuable for grocery shopping and streaming subscriptions but weigh your earning potential with the annual fee.

Supermarkets on select US. The first half of the year offered 5 cash back on streaming services but the July through September period switches to offering 5 on Amazon and Whole Foods. The Blue Cash Preferred Card from American Express earns 6 cash back at US.

This includes Hulu Netflix Spotify and Pandora. American Express Blue Cash Preferred Review. The card offers a lofty 6.

If you are interested in a cashback rewards card for everyday purchases the Amex Blue Cash Preferred is a fantastic option. Earn 6 cash back on select US. Cash Back on transit including taxisrideshare parking tolls trains buses and more.

Supermarkets at 6 on up to 6000. You could comfortably make 95 back to cover the annual fee even if you spend as little as 2000 on groceries per year. American Express has updated the bonus cash back categories for their AMEX Blue Cash Preferred card to include streaming services.

This include music subscriptions like Spotify Apple Music subscription video services like HBO NOW Netflix Prime Video as well as Live TV Streaming Services like DIRECTV NOW fuboTV Hulu Live TV Sling TV YouTube TV. The Blue Cash Preferred is a great choice if you spend a lot on groceries gas or streaming subscriptions. Streaming services youll receive 6 cents in cash-back Blue Cash Reward Dollars.

Supermarkets and streaming services. Gas stations ride-sharing and on. Cash Back at US.

The Blue Cash Preferred Card from American Express is the go-to Amex card for earning rewards on eligible streaming services with 6 cash back. Streaming services 6 cash back at US. American Express is a Credit Card Insider advertiser.

For every dollar you spend on US. Updated February 18 2021 The American Express Blue Cash Preferred card offers exceptional 6 cash-back rewards for spending at supermarkets and on streaming services and a generous 3 rate for. Cash Back on other purchases.

Plus 3 cash back at US. Supermarkets for first 6000 per year and on US. Streaming services 3 at US.

This card gets you 6 cash back on US. Gas station purchases and transit. The Amex Blue Cash Preferred Card is a great card for earning premium cash back at US.

Blue Cash Preferred Card from American Express rewards This card offers the highest cash-back rate at US. Cash Back at US. Perhaps the Ultimate Family Card Youll earn 6 back at US.

Youll earn 6 cash back on the first 6000 in purchases per year made at qualifying US. Supermarkets on up to 6000 per year in purchases then 1 Cash Back on select US. Supermarkets up to 6000 per year then 1 3 cash back at US gas stations and on transit and 1 cash back on all other purchases.

Supermarkets on up to 6000 a year in spending plus 6 back on. All the cash back. This includes rideshares tolls taxis buses trains and.

The 6 it earns is potentially the highest around for groceries.

Nasa Mars Pics

Its High Resolution Imaging Experiment HIRISE camera regularly uploads. Ingenuity has been snapping pictures of the Martian surface from the air and NASAs Mars Perseverance rover has been capturing photos and videos of.

Nasa S Perseverance Drives On Mars Terrain For First Time Nasa

NASAs Curiosity Roverthe tricked-out Roomba that rolls around Mars collecting data about our neighboring planets environmenthas sent back many a.

Nasa mars pics. All jokes aside now this strange view from NASAs Mars Orbiter clearly proves that Mars isnt at all what we think it is. Get the latest updates on NASA missions watch NASA TV live and learn about our quest to reveal the unknown and benefit all humankind. This super rare photo was snapped in February 2016 and it truly makes us wonder at what point weve lost control of our imagination.

NASA released new images on Wednesday showing a gorgeous panorama of Mars taken by its newly-landed Perseverance rover. NASA releases new pictures captured by the Perseverance rover. Get the latest updates on NASA missions watch NASA TV live and learn about our quest to reveal the unknown and benefit all humankind.

NASA released the largest and highest-resolution panorama the Curiosity rover has ever taken on Tuesday and at close to 18 billion pixels it gives a hyper-realistic look at Mars. Stunning photos from NASAs new Mars rover reveal 200-foot cliffs mysterious rocks and a perfect touchdown. Video Animation Made From Ingenuitys First.

Its photos are so detailed that scientists can examine the planets features at the scale of just a few feet including the recent crash site of Europes Schiaparelli Mars lander. 204 rows Mars Helicopter. Check out the latest raw images below and Like your favorites.

NASA releases new pictures of Mars. Mars Perseverance Raw Image of the Week Heres the Image of the Week as voted on by the public. The helicopter was flying at an altitude of 16 feet 5 meters and roughly 279 feet 85 meters from the rover at the time.

The Mars Helicopter will extend its range speed and flight duration on Flight Four. For 10 years HiRISE has recorded gorgeous - and scientifically valuable - images of Mars. NASAgov brings you the latest images videos and news from Americas space agency.

NASAgov brings you the latest images videos and news from Americas space agency. The surface of Mars directly below NASAs Mars Perseverance rover is seen using the Rover Down-Look Camera in an image acquired on February 22 2021. NASAs Mars Reconnaissance Orbiter takes stunning photos of the Martian surface with its High Resolution Imaging Science Experiment HiRISE camera.

The second of each pair has had the noise level reduced and the image sharpened using Image4PDS a freeware. Viking Orbiter Images of Mars CD-ROM set. NASAs Mars Reconnaissance Orbiter took several pictures of Perseverance landing.

We combed through 2054 of the cameras latest pictures released in August September and October to bring you some of the. The 19bn effort has already achieved more than most given how approximately half of all mankinds missions to Mars. NASA released an immersive new panoramic image with 360-degree views of Mars on Wednesday that was taken by its Perseverance rover.

Come back at the beginning of the week to see the publics favorite. Other than the processing necessary to create a JPEG image from the PDS formatted image file the images are unchanged from the originals on Volumes 10 11 21 28 and 63 of the Mission to Mars. NASAs Perseverance Mars rover is visible in the upper left corner of this image the agencys Ingenuity Mars Helicopter took during its third flight on April 25 2021.

2021-02-24T202311Z The letter F.

Bernie Sanders Polls Today

As of today Bernie is at 23 percentand just 3 points behind Joe Bidenin Morning Consults tracking poll of Democratic voters in Iowa New Hampshire South Carolina and Nevada. In the USA TODAYIpsos survey 58 of voters who identified as Republicans said they admired Trumps character while 14 said they admired Sanders.

Bernie Sanders Leads In Latest Iowa Poll Weeks Before Caucuses

Among Democrats Sanders was admired by 65 of voters 10 points more than his closest competitors Biden and.

Bernie sanders polls today. A new poll shows that since early October Bernie has gained a whopping 9 points in the early primary and caucus states that could play a pivotal role in the 2020 election Sirota wrote. Follow todays top polls candidates primaries fundraising debates and more with POLITICO. Updated over 3 years ago.

Sanders was in second with 18 percent while Mr. Ratings 48 Positive opinion. But Warren surged ahead of Sanders in mid-September and maintained a slight edge until Nov.

News Analysis and Opinion from POLITICO. 10 when she began to slip. According to The Washington Post-ABC poll 32 of Democratic voters say they would vote for Sanders a 9-percentage-point gain from Januarys poll.

13 Neutral opinion. It came as Sanders cuts Hillary Clintons national polling lead in half according to a new NBC NewsWall Street Journal poll. Warren now sits at 15 in that poll with Sanders.

NBCs Andrea Mitchell reports. Those college-plus whites represent a third or more of the eligible voters in just 21 of the 169 districts voting today and 25 to 33 in another 40 of them. Former Vice President Joe.

Polls news and on the issues. Bernie Sanders Favorable Rating. Find out more about his bio and key issues.

That means they constitute at least. Bernie Sanders is leading in Californias Democratic presidential primary as Latinos and younger voters rally behind the Vermont senator according to a Monmouth University poll released Thursday. 2016 National House Race.

Currently tracking 213 polls from 29 pollsters. What America thinks of Bernie Sanders. Biden in first with 24 percent of the vote nine points higher than in the Selzer poll.

Bernie Sanders is the 3rd most popular Democrat and the 6th most famous. 33 Negative opinion. Bernard Sanders of Vermont holds a sizable lead in California the biggest prize among 14 states voting on Super Tuesday according to a Suffolk UniversityUSA TODAY poll.

Bernie Sanders is a Senator from Vermont and is a candidate in the 2020 US presidential election. Sanders support in the CNN poll is surprising given that 57 of Democratic primary and caucus voters say the most important thing is that the nominee can. On Monday the other pollster Monmouth found Mr.

1673 interviews - YouGov Ratings data collected between October 2020 and December 2020 Find out more. Read the latest streaming news and analysis on Bernie Sanders and the 2020 Presidential Election. An NBCWall Street Journal poll conducted in May 2016 found Clinton and Trump by then the presumptive Republican nominee in a dead heat but the same poll found that if Sanders were the Democratic nominee 53 of voters would support him to 39 for Trump.

95 Have heard of.