Applied Underwriters is a global risk services firm helping business and people manage uncertainty through its business services, insurance, and reinsurance solutions. After high school, Menzies had gone to work as a helper for an electrical subcontractor and worked his way up the ranks and became a master electrician and started his own company in 1985. Thank you! I regularly reiterate to our staff that I believe deeply that our company has a good soul. A formerly quiet, sprawling tract of land near the Strip is becoming a Formula One racetrack and the owner of a rental property next door is looking to sell for a hefty sum. He also played for the Bradford Bulls and the Catalans Dragons in the Super League. Steven Menziess income source is mostly from being a successful . When Steve Menzies decided to go all-out as a competitor in the Championship Off Road Racing series, the Las Vegas contractor didn't hold back in forming his team. The Athlete with a large number of Twitter followers, with whom he shares his life experiences. This record was broken by Manly fullback Brett Stewart who scored his 78th and 79th tries at the ground in a 24-22 win over the Melbourne Storm on 14 March 2015. Did you have expansion ideas then? Mr. Ron Carson, founder and CEO of Carson Group, stated: Omaha is the secret to our success in attracting bright, trustworthy people who have that hard-to-find midwestern work ethic. Steve Wynn Net Worth: $3.1 Billion Steve Wynn's personal and commercial contributions to both the Las Vegas Strip and the city at large have radically improved the fortunes of Las Vegas. With strong partnering companies like Applied, participants in the industry might see the present as the beginning of another Roaring 20s, with high valuations and financial risk reaching new stratospheres with many zeros added to valuations. Steve Menzies found in Lake Forest and Chicago. He won titles with the team in 1996 and 2008. We feel privileged to be a part of it and do choose to invest in it again and again. Menzies response confirmed his and Lambs standing among the greats: In 2004 Steve Menzies surpassed rugby league and Glebe stalwart Frank Burges record of Most Tries Scored by a Forward when he scored his 147th try against St George Illawarra. Stephen Menzies TRN stock SEC Form 4 insiders trading MGM Resorts is rolling out all the stops for the 2023 Formula One Las Vegas Grand Prix, including a seating area in front of the popular Fountains of Bellagio. When Manly reached the Grand Final in 2007 Menzies was the sole surviving member of the club's last Grand Final appearance back in 1997. 5040 Sobb Ave Las Vegas, NV 89118 5795 Rogers St Las Vegas, NV 89118 5955 Edmond St Las Vegas, NV 89118 1220 S Commerce St Las Vegas, NV 89102 4260 Wagon Trail Ave Las Vegas, NV 89118 1240 S Commerce St Las Vegas, NV 89102 10185 Parvin St Las Vegas, NV 89183 9425 N Commerce Dr Kingman, AZ 86401 1 Club Point Ct . Quadrant Management, a New York-based investment management firm headed by CEO Alan Quasha, acquired the services companies of Applied. She is best known for starring in the 90-Day Fiancee Franchise alongside her fiance and . Steve Menzies: As chairman of Applied Underwriters, an international insurer and financial services company, I know well how directly good faith, fairness and in a broad sense social stability and ethical behavior are tied to success. Your email address will not be published. California After speculation on his retirement from rugby league, Menzies announced in October 2007 that he had re-signed with the Manly Sea Eagles for 2008 on a one-year contract, stating that he would likely retire at the conclusion of the 2008 season. In September 2012, Menzies announced yet another one-year contract extension with the Catalans Dragons. For example, hurricane & loss. The International Athletes' Club, Steve Menzies. Similarly, we look to our brokers for loyalty, for meaningful local market share, for their client care, and for their ability to understand and utilize our constantly refined and innovative products. Catalans Dragons were eliminated from the Superleague playoffs, losing 14 points to 4 against Hull FC. Menzies started subcontractors United Plumbing in 2001 and Floor Designs of Nevada and United Underground in 2005. Popularly known as the Athlete of Australia. Steve Sisolaks COVID-19 task force, and working with construction-industry legislation over the years. Business activities of this company are managed by Managing Members. He also played for the Bradford Bulls and the Catalans Dragons in the Super League. Net Worth, Salary & Earnings of Angela Cartwright . Chicago, IL (2) Lake Forest, IL (3) Refine Your Search Results. Since he reacquired his company from Warren Buffetts Berkshire Hathaway in 2019, he has been buying businesses, creating new subsidiaries, welcoming new teams of professionals and growing his firm domestically and internationally. Copyright 2023 by Wells Media Group, Inc. Tweets by Steve. Menzies finished as Manly's top try scorer in 1994, 1995, 1996, 1998 and 1999. Where do legal issues with the California Insurance Department stand? It was reported in July that Applied was being sold in a large acquisition, in a deal likely involving Cayman Islands-based United Insurance Co. Efforts to sell Applied appear to have started earlier this year due to a channel conflict, which was made known when Berkshire Hathaway Chairman Warren Buffett told CNBC that Applied is a smaller firm that has to compete against two larger insurance companies Berkshire owns that also sell workers comp coverage. In anticipation of equalling Lamb's record with his final appearance, Manly was reported to have made Menzies an offer to make a cameo appearance in 2009 to break the record. NASCAR This years banquet for the NASCAR Sprint Cup series will return to the Waldorf-Astoria hotel in New York. Steve Menzies, 66. His junior club was Harbord United. Steve has assembled a very credible team, both behind the wheel and under the hood, said MacCachren, who continues to race a Trophy Truck in the SCORE Desert Series. Menzies announced in July 2008, that he had agreed to a one-year contract with the Bradford Bulls in the Super League for the 2009 season. Applied provides workers comp and services to small and medium-sized enterprises. Active. Steve Menzies, founder and chairman of Applied Underwriters Inc., is a busy man. After being released by Bradford Bulls at the end of the 2010 season, Menzies signed a one-year deal with French club Catalans Dragons. Steve Harvey is a well-known stand-up comedian and game show host, who also has a hand in writing, producing, and film acting. He holds a mixed ethnic background. I dont have to be here day to day. Steve Harvey is an American comedian, businessman, Award-winning show host and entertainer who has a net worth of $200 million. The CDI oversees a state insurance system that is in difficult straits it doesnt make sense to us, or to anyone for that matter, that they would trip up a great and needed company. Words move, examples compel, so the saying goes. Read top and most recent tweets from his Twitter account here After speculation on his retirement from rugby league, Menzies announced in October 2007 that he had re-signed with the Manly Sea Eagles for 2008 on a one-year contract, stating that he would likely retire at the conclusion of the 2008 season. The acquisition of Applied was a rocket launch for us, not a comfortable landing. Steve Menzies has a net worth of $5.00 million (Estimated) which he earned from his occupation as Athlete. He was born on 4 December 1973, in Manly, New South Wales.Manly is a beautiful and populous city located in Manly, New South Wales Australia. For me, coming to the office is not a chore Im energized by the positive, collegial attitude I find there. Catherine Menzies, Stanley Menzies, Ann Menzies, Eleonor Jimenez and John Ansonia, and many others are family members and associates of Steven. 2023 Applied Underwriters, Inc. Browse Locations. At the end of 1999, Manly-Warringah controversially merged with arch rivals North Sydney as part of the competitions rationalisation strategy and became the Northern Eagles. The Real Reason Why Monster Garage Ended. To search for a combination of terms, use quotations and the & symbol. Steve Menzies (born 4 December 1973), commonly referred to by his nickname "Beaver", is an Australian former professional rugby league footballer best known for his career with the Manly-Warringah Sea Eagles. By continuing to browse or by clicking I Accept Cookies you agree to the storing of first-party and third-party cookies on your device and consent to the disclosure of your personal information to our third party service providers or advertising partners to optimize your experience, analyze traffic and personalize content. Steve is an ideal celebrity influencer. Our strong suit has always been the end result of an insurance policy brokered with us: we care in earnest for our customers and for our claimants, some of whom are injured workers, for the livelihood of our brokers, and for the actual insurance industry itself. Singles & EPs. Menzies scored a try in the defeat. Menzies made his first grade debut for Manly-Warringah against the Brisbane Broncos in Round 13 1993 at Brookvale Oval. Why is now a good time to expand into the P&C and specialty business? Steve M. General Manager at Daywalk Antigua, QL. We have few competitors who have the same entrepreneurial systems for mutually beneficial relationships. Steven Menziess income source is mostly from being a successful . State. Berkshire Hathaway Inc. has sold workers compensation insurer Applied Underwriters Inc. to the insurers founder and president Steve Menzies and a private equity investment firm in a transaction valued at $920 million. "What an honor," Menzies said. Founder, Steve Menzies, praises Governor Bill Richardson's efforts in release of WNBA All-Star Brittney Griner, after 294-day detention in Russian penal institution. 7,908,157. Menzies and his wife, Terri, have a son, Bryce, who is an off-road racer. I cant believe during COVID were doing this good, Menzies said. The largest individual source of contributions came from Las Vegas contractor and developer Steve Menzies, who directly and through nine affiliated business entities contributed $100,000 to Sisolak's campaign. Unlike 2007, Manly were the overwhelmingly dominant side, defeating the defending premiers 40-0 - a grand final record. Workers comp notification bills introduced, 4. Our acquisitions and market positioning over the past 18 months show the value of that transaction for Applied. View Steve Menzies results including current phone number, address, relatives, background check report, and property record with Whitepages. In the 2000s, the most employees Menzies had was 963. How do you want brokers and competitors to see Applied? Have these battles inhibited you in what you hope to do? All of these companies currently employ more than 1,800 employees across the state. With less than ten minutes left on the clock, Menzies completed his fairytale by scoring a try with his first touch after coming off the bench for a second time, replacing the injured Steve Matai. Wealthy Californians support Vegas luxury home market, Words like stuck, special and scarce can cost you, Building Hispanic wealth is investing in Las Vegas, 2023 Nevada Top Workplaces gears up for new year, Predictions? Stephen Hendry is second on the list with a net worth of $32.4 million. It ultimately closed. Resides in Fort Worth, TX. Where do you see the biggest opportunities for P&C insurance now? With his large number of social media fans, he often posts many personal photos and videos to interact with his huge fan base on social media platforms. Dedicated to positive social outcomes and serious corporate responsibility, Steve has been equally invested in his employees, taking a personal interest in enriching the communities in which they work and live, and in numerous, active philanthropic causes. The record of 349 games jointly held by Menzies and Lamb was broken by Brisbanes Darren Lockyer on 12 August 2011. He is from Australia. He has worked on several music albums with various artists, which have been sold millions of times all over the world. Steve entered the career as Athlete In his early life after completing his formal education.. In an update in 2020, Forbes reported that the family net worth had risen to an estimated $21.1billion. Jamal was born and raised in San Diego, California, United States. Heartwood Preserve will be situated at one of the busiest areas in the region, from Dodge Street south past Pacific Street and from 144th Street as far west as 153rd Street. I focus on areas that are underserved and can most benefit from my particular professional expertise. Provided one is mindful that all good things do come to an end, now is a very good time to be in the business and be projecting growth. 2. What more can you tell us about Warren Buffett and your time with Berkshire? To us, proper development of Heartwood Preserve implies respect for the land and, by extension, respect for those with whom we share it., Mr. Bart Emanuel, Director of Development and Construction at Applied Underwriters, noted: From the very beginning, we approached the design and build-out of this site to preserve nature through intelligent design. Steven Menzies was born on December 4, 1973 in Australia (47 years old). Join Facebook to connect with Steve Menzies and others you may know. Net Worth: Relationship: Kids: View Personal Details. Strategically, we examine almost every deal that comes our way, and we are open to new P&C business, especially as reactionary and shifting corporate priorities become reality. Marijuana legalization bills proposed in Kentucky, Minnesota, 2. . 90 Day Fianc star Kim Menzies has a long history of working before she made her reality TV debut in 2021. Known Addresses for Steve Menzies. The season started poorly for the side from the south of France, but the Dragons soon became one of the form sides in Super League. Now, the CDIs agenda seems counter to the publics best interests. Assessing both private and skilled lifestyle, it's a difficult sport. Interesting facts and data about Steve Menzies: life expectancy, age, death date, gender, popularity, net worth, location, social media outreach, biography, and more Includes Address(10) Phone(2) Email(1) . I am advised not to comment on legal matters, but I can say that we have not been treated as we, or for that matter, any A-rated, financially sound insurer should be. From his viewpoint, Menzies said he has seen that new potential partners are being drawn to Applied not just due to the transactions themselves but also due to its entrepreneurial spirit and the. Shortly after arranging a large quota share with Berkshire, we suddenly found ourselves considering and liking an unsolicited offer from Berkshire to buy Applied, and within weeks, we shook hands on a deal with Warren. Will you be launching new units and teams? A summary of the career stats for Manly junior, the grandson of pioneer clubman 'Mackie' Campbell, had a dream 1994 season which culminated in Kangaroo selection. Media: He brought his Phoenix-based company Efficient Electric to Nevada. Gradually, as our footprint became broader nationally and deeper in the market place, our very growth began to create a formulaic problem for Berkshire: we and the other Berkshire insurance businesses were all growing into competitors creating unproductive channel conflict. That is my favorite thing to go do, Menzies said. His efforts in the Grand Final of 2008 will be entered in Northern Beaches and Rugby League folklore and have earned him legendary status, as well as the Performer of the Week award from the Sydney Morning Herald. Lived In Compton CA, Carson CA, Tulsa OK. Related To Jeannine Menzies, Anthony Menzies, Elizabeth Menzies. We were more than ready to realize our growth plans that you have recently seen take form. When Steve Menzies decided to go all-out as a competitor in the Championship Off Road Racing series, the Las Vegas contractor didnt hold back in forming his team. Steve Menzies Net Worth & Basic source of earning is being a successful Australian Athlete. Warren set the governance standards with great, but tempered ambition for all of the companies in Berkshire and showed strength through his native humility and modesty characteristics that provided compelling examples: a consummate capitalist and easily among the leading paradigms of entrepreneurship in business history, he operated with utmost integrity. Steve has been performing for the last 50 years and has achieved great success through his musical career. He also played for the Bradford Bulls and the Catalans Dragons in the Super League. Heartwood Preserve will house top retail, commercial, varied residential, and recreational facilities on an environmentally responsible landscape that includes miles of trails, large open spaces, and literally over ten thousand new trees. He added: Heartwood Preserve is structured to become an important and beautiful destination point for Omaha and its surrounding region., Mr. Ryan Haller, Chief Development Officer of Avamere, who plans to open Ovation, a 300-unit active adult lifestyle village for independent living, assisted living, and memory care noted: When Avameres leaders saw the lifestyle advantages being offered at Heartwood especially the outdoor spaces and the treatment of the environment itself we decided to become part of it and look forward to the day when our seniors take residence here and begin to enjoy all of the amazing amenities., Another recently announced occupant, Carson Group, sees the lifestyle benefits and multi-use space as the ideal environment for the firms new national headquarters. Scroll Down and find everything about him. RESL 198. At the end of 1999, Manly-Warringah controversially merged with arch rivals North Sydney as part of the competitions rationalisation strategy and became the Northern Eagles. Menzies announced his forthcoming retirement as a professional rugby league footballer on 4 July 2013. He sold Efficient Electric, United Plumbing and a wholesale supply company before the housing downturn and shut down the others starting in 2009 when the homebuilding industry went dark following the Great Recession. MacKenzie Scott is a philanthropist, author and the ex-wife of Amazon founder Jeff Bezos, to whom she was married for 25 years. The Australian former international, who in 2012 became the oldest player in Super League history, will start his 21st professional season in 2013. Where do you see Applied Underwriters positioned within the P&C carrier and specialty insurance world going forward? His net worth has been growing significantly in 2021-2022. View popular celebrities life details, birth signs and real ages. We have estimated Steven Menzies's net worth, money, salary, income, and assets. Im going to do this as long as Im still having fun, Menzies said of his future in the industry. He is a member of famous with the age 48 years old group. Taking into account various assets, Steven's net worth is greater than $5,000 - $9,999; and makes Under $10K a year. He also resigned as the New Mexico superintendent in 2006 amid investigations into. As of 2022, Steven Menzies's net worth is $100,000 - $1M. Steve Menzies (born 4 December 1973), commonly referred to by his nickname " Beaver ", is an Australian former professional rugby league footballer best known for his career with the Manly-Warringah Sea Eagles. Sale of beleaguered comp insurer underway, New York fines Berkshire unit $3M over unlicensed comp policies, 1. 1. Steve Menzies has seen the ups and downs of the Las Vegas homebuilding industry over the past three decades as the owner of an electrical contracting and other subcontracting firms. Were so far behind in building houses that were going to be busy for a while, Menzies said. As a result, we have become a magnet for the brightest and the best thinkers, we believe, in the risk transfer business. Our attorneys and several opinion leaders have shared the view that we are bearing the brunt of bald-faced regulatory overreach, an arbitrary use of power to favor a segment of the legal profession, and the routine misuse or outright absence of proper, legally creditable decision making and action. By continuing to browse or by clicking "I Accept Cookies" you agree to the storing of first-party and third-party cookies on your device and consent to the disclosure of your personal information to our third party service providers or advertising partners to optimize your experience, analyze traffic and personalize content. He was one of eight Manly try-scorers on the day and completed his playing-career in Australia with 180 tries second only to Ken Irvine but first among try-scoring forwards. Famously known by the Family name Steve Menzies, is a great Athlete. What happened then? The youngest driver is Menzies, 20, who was the top CORR rookie last year in Single Buggy when his father fielded two cars. Its a very logical path, and you have to figure things out.. We have estimated Again, internal channel conflict had become problematic, Applied was not wholly owned we held a substantial economic share so the impulse to control the Company we had built and developed was especially strong. After the match, the Hull fans paid tribute to Menzies as he joined the Hull players in the Lap of Honour. Steve Menzies is an Australian former professional rugby league footballer best known for his career with the Manly-Warringah Sea Eagles. Menzies became a commentator for Foxsports in 2014 before transitioning into a role on The Matty Johns Show in 2015. From 2008 until Round 2 of the 2015 NRL season, Menzies held the record for most tries scored at Brookvale Oval with 78 in his career. Menzies continued into the early 2000s playing for the Northern Eagles and finished as the clubs top try scorer in 2002. Starting his own company was an easy decision for Menzies. Menzies' response confirmed his and Lamb's standing among the greats: In 2004 Steve Menzies surpassed rugby league and Glebe stalwart Frank Burge's record of 'Most Tries Scored by a Forward' when he scored his 147th try against St George Illawarra. In 2005, Berkshire Hathaway took an interest in the company and acquired an 81% share. What was your role when Berkshire owned its shares? He stated that the current (2013) season would be his last. To us at Applied Underwriters, Heartwood Preserve is a way of saying thank you to our neighbors, friends, staff, and fellow businesses that advance the economy of this great city and state. Menzies said his first job in Las Vegas was for Lewis Homes at The Lakes and for Lewis in Boulder City. He was one of eight Manly try-scorers on the day and completed his playing-career in Australia with 180 tries - second only to Ken Irvine but first among try-scoring forwards. The on-site Dedication Ceremony took place on Tuesday and included many guests from State, City, and County government, local community and business leaders, and professionals who have played a role in planning the highly anticipated development. It was Applied that stepped up in the workers compensation crisis of 2001, that has written business in hard to place categories and locations, and has fought the CDI on occasion, but has never gone out of bounds as the recent actions by the CDI appear to observers in the industry and legal community to have gone. I would have never guessed a subcontractor would be recognized for that.. In a few words, as part of a dynamic, pumping, well-functioning, entrepreneurial power plant. 7,908,157 Our infrastructure is a support system that seeks to integrate naturally and productively, and to service fully and effectively, the enterprises joining us. Long before we had experienced so much product demand that we almost could not help but innovate and find allies in key areas. Menzies played his last game at the KC Stadium in Hull on 13 September 2013. Also learn how He earned most of networth at the age of 47 years old? Jobs died on October 5, 2011 at age 56 from pancreatic cancer complications. AllBiz Business Profile Search Background Check . 0. Rugby league player from Australia most famous for his six-year stint with the Manly-Warringah Sea Eagles. I had the advantage, as well, of his modus operandi; that is, Warren almost invariably makes the right investment, and then leaves its affairs in the hands of those who made it attractive in the first place. But any team is only as good as its players, and Menzies has formed somewhat of a Southern Nevada all-star team led by Rob MacCachren. Menzies finished as Manlys top try scorer in 1994, 1995, 1996, 1998 and 1999. Menzies said he expects the industry to continue being strong for the next several years. Caption: Allison's late father Robert Urich (Photo: Net Worth Post) He appeared in the TV movie 83 Hours Til Dawn from the year 1990 to 1991. Steve Menzies . Born on 4 December 1973, the Athlete Steve Menzies is arguably the worlds most influential social media star. We negotiated a fair arrangement and retained a substantial economic interest in Applied which, it turned out in 2019, gave us an equity base from which we were able to launch our buyback of the Company. is buddy allen married. As long as Im adding value and they dont kick me out, I am going to keep doing this until Im too old., Copyright 2018 Las Vegas Review-Journal, Inc. | Privacy policy | Terms of Service, By JIM PAWLAK SPECIAL TO LAS VEGAS BUSINESS PRESS, BY JENNIFER SHYDLER AND OMAR MOLINA SPECIAL TO LAS VEGAS BUSINESS PRESS, BY BOB HAMRICK SPECIAL TO LAS VEGAS BUSINESS PRESS, BY HEIDI CARLSEN SPECIAL TO LAS VEGAS BUSINESS PRESS. 90. I mean the kind of intellectual capacity and knowledge that fits our blueprint and works to give rise to the growth of great corporate institutions that do not compromise the entrepreneurial visions that made them distinctly successful in the first place. How did Steve Jobs die? Steve is gaining More popularity of his Profession on Twitter these days. Since he reacquired his company from Warren Buffett's Berkshire Hathaway in 2019, he has been buying businesses,. Underwriting. Steven Menzies was born on 4 December, 1973 in Manly, Australia. Menzies became a commentator for Foxsports in 2014 before transitioning into a role on The Matty Johns Show in 2015. Like us on Facebook. We recommend you to check the complete list of Famous People born on 4 December. That is why the amount of idea-cloying bureaucracy, defensive silo-ed departments, and just plain corporate inertia are not to be found at Applied. Offering a wide variety of retail, commercial, residential, and recreational facilities on an environmentally observant landscape, Heartwood Preserve is designed to become a top destination for the greater Omaha area and surrounding region. We know what it is, and what it does, and we smoke it out if it appears. By playing in the 2008 grand final, Menzies equalled Terry Lamb's record of 349 first-grade games. press@boldthinkers.org, 2023 Steve Menzies Global Foundation, Inc. document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); Vista Equity Partners to Buy Duck Creek for $2.6B Cash, Demotech Drops Rating of Fla.'s Frontline, Class Action Suit Alleges Chubb Misleads Consumers With Home Premium Discounts, Supreme Court Allows New Yorks Revised Gun Carry Law for Now, Massachusetts High Court: Policy Terms, Not Common Law, Control in Loss Prevention Cost Claim, Insurers, Agents Spared in New Jersey Shooting Claims, In His Own Words: Q&A with Applied Underwriters' Menzies on Buffet, California and 'Pumping Entrepreneurial Power', Appeals Court Rules Insurers Not Obligated to Defend Distributor of Opioids, UK MGA Pen Underwriting Launches Claims Hub Dedicated to Property, Liability, Jury Should Say if Lack of Captain Raised Hazard for Yacht Lost in Dorian, Court Says, Property & Casualty Claims Representative Broker/Retail Agency REMOTE -, Specialty Solutions Analytics Consultant -, Insurance Account Manager or Customer Service Rep (CSR) REMOTE -, January Renewals See Hardest Property Catastrophe Reinsurance Rates in Generation, Insurance Pricing: True D&O Buyers Market; Stabilized Commercial Auto, What to Watch In Healthcare D&O, EPLI Post-COVID, Pickleball Explosion in Florida Creating New Hits and Misses for Insurers, Agents, 4 Important Aspects of Agency E&O Coverage, The Cost of Late Notice to Your Company's Insurer, Duane Morris: 2022 Was a Banner Year for Class Action Settlements, Tesla Video Promoting Self-Driving Was Staged, Engineer Testifies, Flight Data, Voice Recorders Retrieved from Nepal Crash Site, Police Question Lebanese Relatives of 2020 Blast Victims, Selling Yourself without Selling Yourself Out, The Sinking Florida Property Insurance Market: A Panel Discussion, Life's Unfair: The Mistakes that Lead to Bad Faith Claims, Technology-Enabled Insurance Commerce: Looking Back, Reaching Forward.
Is Every Summer After Appropriate For 13 Year Olds, Trent Merrin Partner Jessica Watson, Dodson Funeral Home Obituaries Danville, Va, Juegos De Equipo Umizoomi Albondigas Para Todos Lados, Kirsten Vangsness Husband Keith Hanson,