WebBank Cleo Credit Builder is an option for those, who need Classic features. With an APR of None and $179.88 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have No Credit History to Poor (0-579) credit score. With WebBank Cleo Credit Builder you will get such …Here's what you've gotta do: Head to your Spend Tab and find your card! Go to Manage Card. Select the Change PIN option. ( Note: You’ll have to enter your Passcode to do this!) And that's it – you should be all good to go. Using the wrong PIN too many times can block your card, so make sure you've used something secure and memorable. Cleo Credit Builder costs $14.99 per month ($9.99 per month for students) and includes a secured credit card to build your credit score. You determine the amount of credit you’d like, based on how much you deposit into the secured account. The minimum deposit is just $1. See our Cleo review for more information.Unlike traditional credit cards, Credit Builder helps you build credit with no annual fees and no interest. There’s also no credit check to apply! Credit Builder is a secured credit card. T he money you move into Credit Builder’s secured account is the amount you can spend on the card. Unlike other secured credit cards, that money can be ... However, the latest feature Cleo is offering to its users is the ability to increase their financial outputs, with a strong focus on building credit scores. For $14.99 a month, you can get a Cleo Credit Builder card that'll allow you to build credit, get cash advances, earn cashback rewards, experience Visa benefits, and enjoy premium customer ...Cleo is an AI budgeting app who can help you manage your budget and find out more about your spending. She offers features like an AI budget planner, monthly bill tracking and payment reminders, spending analysis, low balance alerts, and modes—like Roast and Hype. Cleo is a fintech company and financial app. Its Credit Builder Card is a secured credit card designed to help build credit. It requires an opening deposit that sets the credit limit, and has no interest charges. You also decide how much you want to deposit, a little as $1. There's no hard credit pull when you apply and Cleo reports to all ...It's never too early to start working on your score – so we've made it easy 📚. If you are a student and you've never had a Cleo Builder subscription before, you can get access to Builder features for $9.99/mo. That's 33% off Builder subscriptions for students and recent grads. These are available to Student Beans verified students and ...Cleo is an AI budgeting app who can help you manage your budget and find out more about your spending. She offers features like an AI budget planner, monthly bill tracking and payment reminders, spending analysis, low balance alerts, and …Get up to a $250* cash advance with an AI money coach you can actually talk to. Cleo helps 5+ million users budget, save, build credit, or get a cash advance in those low-balance moments. Cleo turns stressful money life into a simple chat, where you can ask questions and learn about your finances (without being bored to death). Cleo Credit Builder . Cleo Credit Builder is a subscription service that costs $14.99 a month and includes Cleo Plus. It’s an AI credit coach that offers tips and advice on improving your credit. You can also get a secured credit card 1 that may help you establish your credit history.Consumer Deposit Account User Agreement: Familiarize yourself with the terms and conditions for using our deposit account. Cleo Credit Builder Cardholder Agreement: Review the agreement governing Cleo's credit builder card. Stay informed and updated on our policies as we continue to prioritize your trust and security.While experienced borrowers may wonder how many credit cards to have, those who are newer to credit cards or prefer to focus on just one card might have other credit questions on t...Oct 18, 2019 ... Credit Unions: Apply for a credit builder loan. It's similar to Self Lender. Your monthly payments are put into a savings account as you build a ...Jun 16, 2023 · The Credit Builder Card by Cleo is a tool designed to help you improve your credit score and build credit history. Unlike traditional cards, it doesn't charge interest. It's issued by WebBank, Member FDIC pursuant to a license from Visa USA Inc., and access to the card is subject to approval. Quick Summary Budget, save money, and build your credit all while getting a healthy dose of sass Budgeting tips and recommendations can help you save money …Best for Students: Capital One SavorOne Student Cash Rewards Credit Card. Best for No Credit: Capital One Platinum Credit Card. Best Unsecured Card: Indigo® Mastercard® for Less than Perfect Credit. It’s important for you to get a good credit card because credit cards are the best credit-building tools available to us.A hold can dip your available credit below what you need for your next purchase. To avoid surprises, simply turn on notifications for real-time spending updates. You will receive a merchant hold on your card at the following places: Cleo Credit Builder Card. Cleo Credit Builder Card Go to site Read review . Cleo is a modern financial app offering credit-building opportunities with its Credit Builder Card. Like other secured cards, it requires an opening deposit but it can be as low as $1. Deposit as little or much as you want to adjust your spending limit at any time.Despite this, few alternatives for building credit exist. We set out to change that. Enter Extra. The Extra Debit Card is the first debit card that actually builds credit and earns rewards points. Please see terms, credit may be offered by Lead Bank. We created Extra to combine the advantage of building credit with the ease and predictability ...Varo Believe is meant to help you, not hurt you—which is why we don't charge interest or annual fees. And there’s no credit check to apply. 0%. Varo Believe. Up to 34.49% Variable APR⁶. Petal® 1 No Annual Fee Unsecured Credit Card. 27.99% Variable APR⁶. Discover it® Secured Credit Card. 30.49% Variable APR⁶.BUILD CREDIT (WITHOUT A CREDIT CARD)** Glide your way to smoother approvals, lower interest rates, and higher credit limits with a credit score your parents can be proud of. ... The Cleo Credit Builder subscription service offers eligible users cashback on your money, information on your credit score, access to cash advances (”Cash Advance ...These credit-building apps can give your score a lift! 7 Cutting Edge Credit Building Services Of 2024 To Check Out. The Money Manual Editors January 9, 2024 ...BUILD CREDIT (WITHOUT A CREDIT CARD)** Glide your way to smoother approvals, lower interest rates, and higher credit limits with a credit score your parents can be proud of. ... The Cleo Credit Builder subscription service offers eligible users cashback on your money, information on your credit score, access to cash advances (”Cash Advance ...Best for cash back: U.S. Bank Cash+® Visa® Secured Card. Best low deposit: Capital One Platinum Secured Credit Card (see rates and fees) Best for international applicants and instant access ...Cleo offers 2 subscriptions plans: Cleo Plus and Cleo Builder (the most comprehensive and expensive one). Credit score is a number between 350 and 800 that ...Aug 10, 2023 · *The Credit Builder Card is issued by WebBank, Member FDIC pursuant to a license from Visa USA Inc. Access to the Card is subject to approval. **“Cash/Salary Advance” and “Cashback Rewards” are features of the Cleo Builder Subscription and not the Credit Builder Card. Unlike traditional credit cards, Credit Builder helps you build credit with no annual fees and no interest. There’s also no credit check to apply! Credit Builder is a secured credit card. T he money you move into Credit Builder’s secured account is the amount you can spend on the card. Unlike other secured credit cards, that money can be ... Unlike traditional credit cards, Credit Builder helps you build credit with no annual fees and no interest. There’s also no credit check to apply! Credit Builder is a secured credit card. T he money you move into Credit Builder’s secured account is the amount you can spend on the card. Unlike other secured credit cards, that money can be ...NerdWallet's . Best Credit Cards to Build Credit of February 2024. Chase Freedom Rise℠: Best for No-deposit, no-annual-fee card with rewards Chime Secured Credit Builder Visa® Credit Card: Best ...Self lender is reported as an installment loan, the same as a credit building loan and will boost your credit in the same way. You are literally paying yourself to build credit. 3. DocGlabella • 5 yr. ago. If the deposit amount is very similar, do the secured card and make sure you pay it off in it's entirety every month to avoid paying interest.The chime credit builder credit card really does work. Just be patient. : r/chimefinancial. The chime credit builder credit card really does work. Just be patient. Congrats bro!! I'm on my way as well!! Here's to healthy credit. 🥂 Mate! Mines going up steadily. I haven’t had to dispute anything. Jun 26, 2023 ... The Credit Builder Card* is a secured credit card that's limit is based on the security deposit you put down ($1 minimum deposit). Cleo ...On qualifying purchases with your Cleo's Furniture credit card. Interest will be charged to your account from the purchase date if the promotional purchase ...The Cleo Credit Builder Card is just what it sounds like: a credit card designed to give your credit score a boost. The card comes as part of the Cleo Credit …Feb 6, 2024 · 4. The APR is 0%. Even if you miss a credit card payment, your balance will not grow due to interest because the APR on the Varo Believe Secured Credit Card is 0%. That’s an incredibly rare ... A good annual percentage rate (APR) on a credit card is around 10 percent, says TheStreet. Some credit cards offer annual percentage rates that are even lower than this. The averag...8 ways to build credit. Here are eight tactics you can use to start building your credit score. 1. Pay all your bills on time. The simplest and most effective way to build credit is paying everything on time — credit card minimum payments, auto loans, student loans, house payments and everything in between.Cleo Credit Builder Card. The Cleo Credit Builder Card is issued by WebBank, Member FDIC. By using the Cleo Credit Builder Card, you agree to the Cleo Credit Builder Card Agreement. Applicants also agree to other authorizations in the process of submitting their application for a Cleo Credit Builder Card. Direct Deposit. Cleo is not a bank.The lender evaluates the credit history of the business owner and the business to determine approvability, the loan amount, and pricing. 6. Can I pay off a LoanBuilder Loan early? The loan can be paid off at any time, but the full fee based on the original term of the loan is applied and is due at the time of the payoff.Another new Cleo feature is its credit builder card, a secured credit card that helps people improve their credit scores. The main features of the Cleo Credit Builder card include: No minimum deposit requirement; No fees; No hard credit checks; You have to put cash into your security deposit to unlock a higher credit limit, but this is how ...The Cleo Credit Builder Card is a charge card you can use to help improve your credit score. Best of all, there’s no minimum deposit required and no additional fees …Using a credit card responsibly is one of the best ways to improve your credit score. So how do you get a card when you have bad credit? Eric Strausman Eric Strausman A credit scor...Most Popular Apps in Finance. Brigit: Get $250. When Needed. Call Cleo: Up to $250 Cash Advance customer service faster, Get Support/Help, Pricing Info and more. See all the best ways overall to get in contact with Cleo: Up to $250 Cash Advance ASAP. + Cleo: Up to $250 Cash Advance phone number. Cleo: Budget & Cash Advance APP. Get up to a $250* cash advance with an AI money coach you can actually talk to. Cleo helps 5+ million users budget, save, build credit, or get a cash advance in those low-balance moments. Cleo turns stressful money life into a simple chat, where you can ask questions and learn about your finances (without …However, the safeguards built into the card may feel restrictive and even overbearing to some. Here are five things to know about the Varo credit card. 1. You need a Varo bank account to get the ...But now Cleo are offering a new way for you to increase your financial outputs – specifically your credit score. For $14.99 a month you’ll get a Cleo Builder subscription that unlocks your card, cash advances, cashback rewards, and priority support for your credit journey. Jan 19, 2024 · Cleo is a fintech company and financial app. Its Credit Builder Card is a secured credit card designed to help build credit. It requires an opening deposit that sets the credit limit, and has no interest charges. You also decide how much you want to deposit, a little as $1. There's no hard credit pull when you apply and Cleo reports to all ... Marketing Library Credit Builder Card. Click on a button below to browse various marketing pieces. To download a certain image or ad, simply right click on the image to download to your computer. You can then add to your site or to your social media page and link back to your Credit Builder Card co-branded page. Web Banner Ads. Social Media Ads.The Cleo Credit Builder card is backed by the Cleo account. To qualify for this card, you'll need a Cleo account and the Credit Builder paid membership for $14.99 per month — equivalent to about $180 yearly — and a deposit of at least $1. There's no hard credit pull and no interest charges, and Cleo reports to all three credit bureaus.But now Cleo are offering a new way for you to increase your financial outputs – specifically your credit score. For $14.99 a month you’ll get a Cleo Builder subscription that unlocks your card, cash advances, cashback rewards, and priority support for your credit journey. 15%+ interest rate. Reports to all 3 credit bureaus. Fee for advancing funds. Offers credit line increases. Potential late fee. Offers secured credit lines. Security deposit required for secured credit lines. Extra is the only debit card that builds credit that we've found. However, Chime and Grain present two credit-building alternatives.The Card Cash Advance is subject to a $2.50 fee per transaction plus any fee that may be charged by the ATM or Bank. This feature is only available to holders of the Credit Builder Card. Students & recent graduates can now get 33% off Cleo Builder! The subscription that helps you build credit & improve your finances. Jun 16, 2023 · The Credit Builder Card by Cleo is a tool designed to help you improve your credit score and build credit history. Unlike traditional cards, it doesn't charge interest. It's issued by WebBank, Member FDIC pursuant to a license from Visa USA Inc., and access to the card is subject to approval. The main challenge many people with bad credit face when applying for a credit card is having a limited number of good options. Establishing a positive payment history on a new cre...Cleo Game – Have Cleo ask you questions each week about your finances (these will mostly be about your spending habits the previous week). If you get the answers right, you’ll be entered into a draw to win cash prizes. Credit builder card – Cleo recently launched a new secured credit card to help people build their credit scores. It comes ...Jul 14, 2021 ... Cleo's latest stab at saving you from the banks (and your complicated relationship with Amazon) is the credit builder card. If you wanna track ...Find the terms and benefits of the Cleo Credit Builder Card with our comprehensive cardholder agreement. Build your credit, access rewards, and take charge of your financial future. Last Revised: June 2023. Cleo Credit Builder Card Important Disclosures and Agreement. Please keep these Cleo Credit Builder Card Truth in Lending Disclosure ... 1 The Cleo Credit Builder subscription offers saving goals, hacks, challenges, APY on savings, cashback, credit score insights, cash advances if eligible, credit history, and …Chime Credit Builder Secured Visa® credit card. ... Cleo Credit Builder. Cleo is a well-rounded money management app, as they offer help with budgeting, saving money, and building credit with their credit builder card. So it’s not a loan, just a secured credit card. So you add money to your card account, and then spend up to that limit.A new credit card — such as those offered by our top-rated poor credit card issuers — can be a good way to start rebuilding a good payment history. Our picks include both unsecured and secured cards, providing options for almost any credit need. 7. Secured Chime Credit Builder Visa® Credit Card.Another new Cleo feature is its credit builder card, a secured credit card that helps people improve their credit scores. The main features of the Cleo Credit Builder card include: No minimum deposit requirement; No fees; No hard credit checks; You have to put cash into your security deposit to unlock a higher credit limit, but this is how ...Another new Cleo feature is its credit builder card, a secured credit card that helps people improve their credit scores. The main features of the Cleo Credit …Jun 26, 2023 ... The Credit Builder Card* is a secured credit card that's limit is based on the security deposit you put down ($1 minimum deposit). Cleo ...The lender evaluates the credit history of the business owner and the business to determine approvability, the loan amount, and pricing. 6. Can I pay off a LoanBuilder Loan early? The loan can be paid off at any time, but the full fee based on the original term of the loan is applied and is due at the time of the payoff.Cleo is an AI budgeting app who can help you manage your budget and find out more about your spending. She offers features like an AI budget planner, monthly bill tracking and payment reminders, spending analysis, low balance alerts, and …The Cleo credit builder card is a secured Visa credit card with 0% APR. These cards are easier to obtain even if you do not have the best credit score. Your security deposit becomes the credit limit, and you will receive this deposit back if you close your card in the future.If you're looking to improve your credit score, a credit builder card may help. Compare credit-builder cards with MoneySuperMarket without harming your ...if you borrow $30,000 for the car, any pay back on time, and the loan product is closed, it does not hurt your report. These credit builder products are loan agreement. so they can report your usage . you promise to pay $50 per month for two years, and if you keep your promise, it is a good thing. - If you have negative accounts, it's better to ... Dec 3, 2023 · The Cleo Credit Builder Card is designed to help users build and improve their credit profiles while providing additional benefits, such as a rewards program. By using the Cleo Credit Builder Card responsibly, making timely payments and keeping credit utilization low, users can maximize their credit improvement journey. The card’s credit ... 2. Bright Credit is a line of credit that can be used to pay off your credit cards. Subject to credit approval. Variable APR range from 9% –24.99%, Credit Limit ranges from $500 - …Many banks offer credit cards with great benefits for travelers. When looking for a credit card for travel, it’s important to determine which benefits are right for you. Some offer...Credits. The author and original developer of the CLEO library is Seemann. Alien began development of CLEO 4, now continued by Deji. The developers have no connection with Take 2 Interactive or Rockstar Games and have no liability for any negative consequences caused by using this product or any of the additional products included.15%+ interest rate. Reports to all 3 credit bureaus. Fee for advancing funds. Offers credit line increases. Potential late fee. Offers secured credit lines. Security deposit required for secured credit lines. Extra is the only debit card that builds credit that we've found. However, Chime and Grain present two credit-building alternatives.This is for HASU. Dave and empower doesn't offer a credit builder card where you can increase your credit available daily!!!! 5 stars for cleo. I can bring my credit available as high as want to with my own deposits!! Date of experience: September 16, 2023 Here's what you've gotta do: Head to your Spend Tab and find your card! Go to Manage Card. Select the Change PIN option. ( Note: You’ll have to enter your Passcode to do this!) And that's it – you should be all good to go. Using the wrong PIN too many times can block your card, so make sure you've used something secure and memorable. Dec 30, 2023 ... Comparing best credit building and rebuilding apps - Chime, Self, Cheese, Kovo Extra, Cleo, Kikoff, Grow Credit, Sable. Online Application.Cleo Credit Builder Card Account. If you withdraw your consent, the legal validity and enforceability of prior Communic ations delivered in electronic form will not be a ffected. You agree to pay any amount owed to Cleo for your Cleo Credit Builder Card Account and your Cleo Builder Sub scription as outlined in the c ardholder agreement.Whether you are looking to apply for a new credit card or are just starting out, there are a few things to know beforehand. Depending on the individual and the amount of research d...I used to be addicted to credit cards. They gave me a sense of financial security — a false one, as it turned out. Once, my outstanding balances reached a I used to be addicted to ...Cleo Game – Have Cleo ask you questions each week about your finances (these will mostly be about your spending habits the previous week). If you get the answers right, you’ll be entered into a draw to win cash prizes. Credit builder card – Cleo recently launched a new secured credit card to help people build their credit scores. It comes ...Cleo is a FinTech (Financial Technology) company based in London and founded in 2016. The company is built around the Cleo app, an online budgeting tool. The Cleo app – also known as Meet Cleo – is available to download on both Android and IOS, and has attracted more than 3 million users as of 2021. The idea behind Cleo is to help …3 days ago · About this app. Get up to a $250* cash advance with an AI money coach you can actually talk to. Cleo helps 5+ million users budget, save, build credit, or get a cash advance in those low-balance moments. Cleo turns stressful money life into a simple chat, where you can ask questions and learn about your finances (without being bored to death). Yes. On your app, click on Move Money. On Move Money, click on Transfer Funds. If the From setting is Spending account, click on the arrow and it will take you to choosing between Spending Account and Credit Builder. Click on Credit Builder, then choose Spending Account, then move your money.The Cleo builder subscription costs $14.99 per month and gives you access to the card, cashback rewards, cash advances, and support with your credit. How to Get Started with the Cleo App The Cleo app is available for Android devices from the Google Play store and iOS devices from the Apple store.Nov 8, 2023 · Cleo Credit Builder Card: As a Cleo Credit Builder subscriber, you can apply for a secured credit card that reports your payments to Equifax and Experian, helping you build credit faster. High-interest savings account: With Cleo Credit Builder, you’ll also have access to a high-interest savings account that earns 0.05% APY on all balances. The Cleo Credit Builder is a great choice for those who want to get a better credit score and learn how to use credit cards to their best. ... such as the Cleo Credit Builder. Credit builder cards are already quite popular in the US since they help you get better scores over time while making purchases. Everything depends on responsible use ...Cleo 💙 *The Credit Builder Card is issued by WebBank, Member FDIC pursuant to a license from Visa USA Inc. Access to the Card is subject to approval. **“Cash/Salary Advance” and “Cashback Rewards” are features of the Cleo Builder Subscription and not the Credit Builder Card. The “Card Cash Advance” is a feature …Introducing: Firebreak Weeks. Collaborate. Innovate. Create. Fell explains our approach to innovation at Cleo. 2023-03-13. Building Cleo. Iterating Our Product. It’s as Easy as A/B/C Testing.
Jun 30, 2022 · The Cleo Credit Builder Card is a secured card. Which, in our humble opinion, makes it better to build your credit history over time than a card that doesn’t have a security deposit - and therefore no limit to your drunken Amazon impulse buys. . Who won the chiefs game
You initially signed up for the Cleo Builder subscription on January 2nd, 2023. On October 26th, 2023, you requested that a Credit Builder Card be opened. ... 2023, you disputed an $82.00 Credit ...From the moment you enroll in Cleo, you’re paired with a Cleo Guide. Your Guide is there with you throughout your parenting and caregiving journey to answer your day-to-day questions, provide guidance for challenges that arise, help you with your own emotional wellness, and there to connect you with Cleo’s extensive network of specialists and …From the moment you enroll in Cleo, you’re paired with a Cleo Guide. Your Guide is there with you throughout your parenting and caregiving journey to answer your day-to-day questions, provide guidance for challenges that arise, help you with your own emotional wellness, and there to connect you with Cleo’s extensive network of specialists and …Jul 14, 2021 ... Cleo's latest stab at saving you from the banks (and your complicated relationship with Amazon) is the credit builder card. If you wanna track ...In the market for a new credit card? Now there are plenty of choices when it comes to the best credit cards for rewards, especially regarding cashback offerings. Credit card reward...If you don’t want to subscribe, you can also apply for cash advance by contacting customer service at [email protected]. You'll still need to qualify and go through our standard eligibility checks. 1 Subject to eligibility. Amounts range from $20-$250, and $20-$100 for first time users. Amounts subject to change. Cleo Credit Builder Card eligibility. Who is eligible? Written by Daniel. Updated over a week ago. K, this is a simple one: What age do I need to be to apply for the Credit Builder Card? The minimum age needed to apply for Credit Builder Card is 18 years old. Do I need to be a US citizen (or resident of a particular state)?Join to apply for the Group Product Manager - Credit Builder Card role at Cleo. First name. Last name. Email. Password (8+ characters) ... Group Product Manager - Credit Builder Card. Cleo London, England, United Kingdom 1 week ago Over 200 applicants See who Cleo has hired for this role ...1 The Cleo Credit Builder subscription offers saving goals, hacks, challenges, APY on savings, cashback, credit score insights, cash advances if eligible, credit history, and …Cleo Credit Builder costs $14.99 per month ($9.99 per month for students) and includes a secured credit card to build your credit score. You determine the amount of credit you’d like, based on how much you deposit into the secured account. The minimum deposit is just $1. See our Cleo review for more information.The Card Cash Advance is subject to a $2.50 fee per transaction plus any fee that may be charged by the ATM or Bank. This feature is only available to holders of the Credit Builder Card. Students & recent graduates can now get 33% off Cleo Builder! The subscription that helps you build credit & improve your finances.If you withdraw your consent, the legal validity and enforceability of prior Communications delivered in electronic form will not be affected. You agree to pay any amount owed to Cleo for your Cleo Credit Builder Card Account and your Cleo Builder Subscription as outlined in the cardholder agreement. Updating Records Unlike traditional credit cards, Credit Builder helps you build credit with no annual fees and no interest. There’s also no credit check to apply! Credit Builder is a secured credit card. T he money you move into Credit Builder’s secured account is the amount you can spend on the card. Unlike other secured credit cards, that money can be ...Another new Cleo feature is its credit builder card, a secured credit card that helps people improve their credit scores. The main features of the Cleo Credit Builder card include: No minimum deposit requirement; No fees; No hard credit checks; You have to put cash into your security deposit to unlock a higher credit limit, but this is how ...Here are some of the best credit cards to build credit. 1) Cleo: The Credit Builder Card . Let us introduce you to The Credit Builder Card 1 . Cleo offers an AI-driven approach to personal finance. The Credit Builder Card is designed specifically for those looking to build credit from scratch or improve their existing credit score.A credit-builder credit card helps you build or improve your credit score as you make purchases and then make repayments on time. How a credit-builder credit card can help you Use your card to spend carefully Build your credit score by using your card, but make sure you don't use all of the credit available to you every month. ...Cleo Builder (the tier that offers this credit builder product) costs $14.99 (only $9.99 a month for the first three) and when you use the Cleo Builder Card, you also get access to cashback rewards too. Cleo also offers cash advances of up to $120 based on eligibility. Check out our Cleo review for more. Why We Like Cleo. Available nationwideCleo Credit Builder Card Account. If you withdraw your consent, the legal validity and enforceability of prior Communic ations delivered in electronic form will not be a ffected. You agree to pay any amount owed to Cleo for your Cleo Credit Builder Card Account and your Cleo Builder Sub scription as outlined in the c ardholder agreement.To compare credit cards, consider the representative APR, fees and charges as well as any introductory interest rates. To apply for your first credit card, you must be a UK resident aged 18 or over. Other criteria will also apply. Credit is subject to an assessment of your personal circumstances..