{"id":13670,"date":"2025-12-04T21:48:18","date_gmt":"2025-12-04T21:48:18","guid":{"rendered":"https:\/\/jornal365.com.br\/?p=13670"},"modified":"2025-12-25T01:41:32","modified_gmt":"2025-12-25T01:41:32","slug":"nemecko-lievik-karta1-tf","status":"publish","type":"post","link":"https:\/\/jornal365.com.br\/sk\/financas\/alemanha-cartao-funil1-tf\/","title":{"rendered":"Zlat\u00e1 karta TF Bank Mastercard: V\u00fdhody pre obyvate\u013eov Nemecka"},"content":{"rendered":"
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Inzer\u00e1ty<\/div>\n\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Ak \u017eijete v Nemecku alebo v inej eur\u00f3pskej krajine a h\u013ead\u00e1te kreditn\u00fa kartu bez ro\u010dn\u00e9ho poplatku, s dobrou medzin\u00e1rodnou akcept\u00e1ciou a u\u017eito\u010dn\u00fdmi v\u00fdhodami pri cestovan\u00ed, kreditn\u00e1 karta Zlat\u00e1 karta TF Bank Mastercard<\/strong> je ve\u013emi zauj\u00edmavou alternat\u00edvou. Ni\u017e\u0161ie n\u00e1jdete hlavn\u00e9 vlastnosti, n\u00e1klady, po\u017eiadavky a funkcie, ktor\u00e9 z tejto karty robia praktick\u00fa, ekonomick\u00fa a bezpe\u010dn\u00fa mo\u017enos\u0165 na ka\u017edodenn\u00e9 pou\u017e\u00edvanie aj na \u010dast\u00e9 cestovanie.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t

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Zlat\u00e1 karta TF Bank Mastercard<\/strong><\/h4>

\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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\u017diadny ro\u010dn\u00fd poplatok<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\u017dIADOS\u0164<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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(Budete presmerovan\u00ed na in\u00fa str\u00e1nku)<\/h6>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
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Vydal TF Bank AB<\/strong>, \u0161v\u00e9dska banka s konsolidovan\u00fdmi oper\u00e1ciami v Nemecku, karta Mastercard Gold<\/strong> sp\u00e1ja jednoduchos\u0165, bezpe\u010dnos\u0165 a \u013eahk\u00e9 pou\u017e\u00edvanie. V\u0161etko sa spravuje online, bez potreby otv\u00e1ra\u0165 si bankov\u00fd \u00fa\u010det alebo plati\u0165 ro\u010dn\u00e9 poplatky.<\/p>

Je ide\u00e1lna pre t\u00fdch, ktor\u00ed chc\u00fa efekt\u00edvnu, cenovo dostupn\u00fa a u\u017eito\u010dn\u00fa kartu v Eur\u00f3pe aj mimo nej.<\/p>

Hlavn\u00e9 v\u00fdhody karty TF Bank Mastercard Gold<\/strong><\/h2>

\ud83d\udcb3 Nulov\u00fd ro\u010dn\u00fd poplatok - nav\u017edy<\/strong><\/h3>

Za kartu sa nikdy ne\u00fa\u010dtuje ro\u010dn\u00fd poplatok.<\/p>

\ud83c\udf0d Celosvetov\u00e9 pou\u017e\u00edvanie s kartou Mastercard<\/strong><\/h3>

Akceptovan\u00e9 v mili\u00f3noch obchodov, re\u0161taur\u00e1ci\u00ed, webov\u00fdch str\u00e1nok a aplik\u00e1ci\u00ed na celom svete.<\/p>

\ud83d\udee1\ufe0f Integrovan\u00e9 cestovn\u00e9 poistenie<\/strong><\/h3>

Pri k\u00fape letenky s kartou z\u00edskate bezplatn\u00e9 poistenie, ktor\u00e9 zah\u0155\u0148a zdravotn\u00e9 poistenie, poistenie storna, me\u0161kania a \u010fal\u0161ie v\u00fdhody (pozrite si podmienky).<\/p>

\ud83d\udcb0 Flexibiln\u00e1 platba<\/strong><\/h3>

Z\u00e1kazn\u00edci si m\u00f4\u017eu vybra\u0165, \u010di zaplatia cel\u00fa sumu alebo len \u010das\u0165 \u00fa\u010dtu. Je tu flexibilita, ale platba v spl\u00e1tkach je \u00faro\u010den\u00e1 \u00farokmi v rozmedz\u00ed od 1,5% a 1,65% mesa\u010dne<\/strong>.<\/p>

\ud83d\udcf2 100% Digit\u00e1lne ovl\u00e1danie<\/strong><\/h3>

V\u00fddavky, limity a fakt\u00fary m\u00f4\u017eete sledova\u0165 prostredn\u00edctvom online port\u00e1lu TF Bank. K dispoz\u00edcii je aj \u0161pecializovan\u00e1 aplik\u00e1cia.<\/p>

\ud83d\udd12 Ochrana pri online nakupovan\u00ed<\/strong><\/h3>

Internetov\u00e9 transakcie s\u00fa chr\u00e1nen\u00e9 technol\u00f3giou 3D Secure (Mastercard Identity Check)<\/strong>.<\/p>

\ud83d\udcec Doprava zdarma a online objedn\u00e1vanie<\/strong><\/h3>

Proces je r\u00fdchly, bez po\u017eiadavky na minim\u00e1lny pr\u00edjem. Schv\u00e1lenie z\u00e1vis\u00ed od \u00faverovej anal\u00fdzy na z\u00e1klade miestnej finan\u010dnej hist\u00f3rie.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t

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Zlat\u00e1 karta TF Bank Mastercard<\/strong><\/h4>

\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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\u017diadny ro\u010dn\u00fd poplatok<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\u017dIADOS\u0164<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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(Budete presmerovan\u00ed na in\u00fa str\u00e1nku)<\/h6>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Sadzby a podmienky pre zlat\u00e9 karty TF Bank Mastercard<\/strong><\/h2>
\u00a0<\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t
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Slu\u017eba<\/th>Stav<\/th><\/tr><\/thead>
V\u00fdbery hotovosti<\/strong><\/td>Povolen\u00e9, bez bankov\u00e9ho poplatku, ale okam\u017eite generuje \u00faroky<\/td><\/tr>
Anuita<\/strong><\/td>Zdarma - \u017eiadne poplatky za vydanie alebo \u00fadr\u017ebu<\/td><\/tr>
Cashback<\/strong><\/td>\u017diadne<\/td><\/tr>
\u00daverov\u00fd limit<\/strong><\/td>R\u00f4zne, v z\u00e1vislosti od individu\u00e1lnej anal\u00fdzy<\/td><\/tr>
Medzin\u00e1rodn\u00e9 nakupovanie<\/strong><\/td>Povolen\u00e9 - bez dodato\u010dn\u00e9ho poplatku vydavate\u013ea; len konverzia karty Mastercard<\/td><\/tr>
Spl\u00e1tky fakt\u00fary<\/strong><\/td>K dispoz\u00edcii s mesa\u010dn\u00fdm \u00farokom<\/td><\/tr>
Dodato\u010dn\u00e1 karta<\/strong><\/td>Nie je informovan\u00fd<\/td><\/tr><\/tbody><\/table>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Po\u017eiadavky na aplik\u00e1ciu<\/strong><\/h2>

Ak chcete po\u017eiada\u0165 o kartu, mus\u00edte<\/p>

  • Vypl\u0148te online formul\u00e1r<\/p><\/li>

  • Odoslanie dokumentov na overenie toto\u017enosti<\/p><\/li>

  • Absolvovanie anal\u00fdzy kreditov<\/p><\/li>

  • ma\u0165 bydlisko v krajine, ktor\u00fa obsluhuje TF Bank (napr. Nemecko, Rak\u00fasko at\u010f.)<\/p><\/li><\/ul>

    M\u00f4\u017eu by\u0165 schv\u00e1len\u00e9 osoby s obmedzeniami?<\/strong><\/h3>

    Schv\u00e1lenie nie je zaru\u010den\u00e9. \u013dudia s negat\u00edvnou \u00faverovou hist\u00f3riou m\u00f4\u017eu by\u0165 odmietnut\u00ed.<\/p>

    Bezpe\u010dnos\u0165 a spo\u013eahlivos\u0165<\/strong><\/h2>

    TF Bank je uzn\u00e1van\u00e1 eur\u00f3pska in\u0161tit\u00facia, ktor\u00e1 pon\u00faka:<\/p>

    • \u010cip a dvojfaktorov\u00e9 overovanie<\/p><\/li>

    • Faktur\u00e1cia a \u00fapln\u00e1 kontrola prostredn\u00edctvom internetov\u00e9ho bankovn\u00edctva<\/p><\/li>

    • Kompatibilita s Apple Pay a Google Pay<\/p><\/li>

    • Cestovn\u00e9 poistenie v cene pri platbe za letenku kartou<\/p><\/li><\/ul>

      Pre koho je karta ur\u010den\u00e1?<\/strong><\/h2>

      • \u013dudia, ktor\u00ed chc\u00fa kartu bez ro\u010dn\u00e9ho poplatku<\/p><\/li>

      • Pou\u017e\u00edvatelia nakupuj\u00faci v zahrani\u010d\u00ed<\/p><\/li>

      • Cestuj\u00faci, ktor\u00ed chc\u00fa bezplatn\u00e9 cestovn\u00e9 poistenie<\/p><\/li>

      • T\u00ed, ktor\u00ed h\u013eadaj\u00fa flexibilitu pri platen\u00ed \u00fa\u010dtov<\/p><\/li>

      • Spotrebitelia, ktor\u00ed potrebuj\u00fa fyzick\u00fa kartu s glob\u00e1lnou akcept\u00e1ciou<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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        V\u00fdhody<\/th>Na karte<\/th>Akcie TF Bank<\/th><\/tr><\/thead>
        Body \/ pouk\u00e1\u017eky<\/td>Nie<\/td>K dispoz\u00edcii v konkr\u00e9tnych kampaniach<\/td><\/tr>
        Cashback<\/td>Nie<\/td>M\u00f4\u017ee sa objavi\u0165 v pr\u00edle\u017eitostn\u00fdch partnerstv\u00e1ch<\/td><\/tr>
        Bonus za \u010dlenstvo<\/td>Nie<\/td>Mo\u017enos\u0165 v programoch odpor\u00fa\u010dan\u00ed<\/td><\/tr>
        Cestovn\u00e9 poistenie<\/td>\u00c1no<\/td>S\u00fa\u010das\u0165 bal\u00edka Gold<\/td><\/tr><\/tbody><\/table>

        \u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t

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        Z\u00e1ver<\/strong><\/h2>

        O Zlat\u00e1 karta TF Bank Mastercard<\/strong> je vynikaj\u00facou vo\u013ebou pre ka\u017ed\u00e9ho, kto h\u013ead\u00e1 bezplatn\u00fa, \u013eahko pou\u017eite\u013en\u00fa a spo\u013eahliv\u00fa kartu. Pon\u00faka cestovn\u00e9 poistenie, medzin\u00e1rodn\u00fa akcept\u00e1ciu a kompletne online spr\u00e1vu - ide\u00e1lna na ka\u017edodenn\u00e9 pou\u017e\u00edvanie, ako aj na cesty do Eur\u00f3py a z Eur\u00f3py.<\/p>

        Ak h\u013ead\u00e1te kartu bez poplatkov a s dobr\u00fdmi v\u00fdhodami, stoj\u00ed za zv\u00e1\u017eenie zlat\u00e1 karta Mastercard od TF Bank.<\/p>

        \u010casto kladen\u00e9 ot\u00e1zky - Frequently Asked Questions<\/strong><\/h2>

        Plat\u00edte ro\u010dn\u00fd poplatok?<\/strong>
        \u00c1no, karta je \u00faplne bez ro\u010dn\u00fdch poplatkov.<\/p>

        Mus\u00edm si otvori\u0165 bankov\u00fd \u00fa\u010det?<\/strong>
        Nie, karta funguje nez\u00e1visle.<\/p>

        Ako tento limit funguje?<\/strong>
        Limit sa stanovuje po anal\u00fdze \u00faveru a pri spr\u00e1vnom pou\u017e\u00edvan\u00ed sa m\u00f4\u017ee zv\u00fd\u0161i\u0165.<\/p>

        M\u00f4\u017eem svoj \u00fa\u010det zaplati\u0165 v spl\u00e1tkach?<\/strong>
        \u00c1no, ale spl\u00e1tky maj\u00fa mesa\u010dn\u00fd \u00farok.<\/p>

        Je n\u00e1kup online bezpe\u010dn\u00fd?<\/strong>
        \u00c1no, karta vyu\u017e\u00edva technol\u00f3giu 3D Secure na dodato\u010dn\u00e9 overenie.<\/p>

        Funguje s Apple Pay alebo Google Pay?<\/strong>
        V s\u00fa\u010dasnosti neexistuje priama integr\u00e1cia, ale karta funguje norm\u00e1lne prostredn\u00edctvom \u010dipu alebo pr\u00fa\u017eku.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

        An\u00fancio Se voc\u00ea mora na Alemanha ou em outro pa\u00eds europeu e est\u00e1 procurando um cart\u00e3o de cr\u00e9dito sem cobran\u00e7a de anuidade, com boa aceita\u00e7\u00e3o internacional e benef\u00edcios \u00fateis para viagens, o TF Bank Mastercard Gold \u00e9 uma alternativa bastante interessante. A seguir, voc\u00ea confere seus principais diferenciais, custos, requisitos e funcionalidades que tornam esse cart\u00e3o uma op\u00e7\u00e3o pr\u00e1tica, econ\u00f4mica e segura tanto para o uso di\u00e1rio quanto para quem viaja com frequ\u00eancia. Cart\u00e3o TF Bank Mastercard Gold \u00a0 Sem Anuidade SOLICITAR (Voc\u00ea ser\u00e1 redirecionado para outra p\u00e1gina) Emitido pelo TF Bank AB, banco sueco com opera\u00e7\u00e3o consolidada na Alemanha, o cart\u00e3o Mastercard Gold combina simplicidade, seguran\u00e7a e facilidade de uso. Tudo \u00e9 administrado online, sem necessidade de abrir conta banc\u00e1ria ou pagar taxas anuais. \u00c9 ideal para quem quer um cart\u00e3o eficiente, acess\u00edvel e \u00fatil tanto dentro quanto fora da Europa. Principais Benef\u00edcios do TF Bank Mastercard Gold \ud83d\udcb3 Zero Anuidade \u2013 Para Sempre O cart\u00e3o n\u00e3o cobra taxa anual em nenhum momento. \ud83c\udf0d Uso Mundial com Mastercard Aceito em milh\u00f5es de lojas, restaurantes, sites e aplicativos ao redor do mundo. \ud83d\udee1\ufe0f Seguro Viagem Integrado Ao comprar passagens com o cart\u00e3o, voc\u00ea conta com seguros gratuitos que incluem cobertura m\u00e9dica, cancelamentos, atrasos e outros benef\u00edcios (verifique as condi\u00e7\u00f5es). \ud83d\udcb0 Pagamento Flex\u00edvel O cliente pode optar entre pagar o valor total ou apenas uma parte da fatura. H\u00e1 flexibilidade, mas o parcelamento tem juros entre 1,5% e 1,65% ao m\u00eas. \ud83d\udcf2 Controle 100% Digital Gastos, limites e faturas podem ser acompanhados pelo portal online do TF Bank. Tamb\u00e9m existe aplicativo dedicado. \ud83d\udd12 Prote\u00e7\u00e3o em Compras Online Transa\u00e7\u00f5es na internet s\u00e3o protegidas com tecnologia 3D Secure (Mastercard Identity Check). \ud83d\udcec Envio Gr\u00e1tis e Solicita\u00e7\u00e3o Online O processo \u00e9 r\u00e1pido, sem exig\u00eancia de renda m\u00ednima. A aprova\u00e7\u00e3o depende da an\u00e1lise de cr\u00e9dito baseada no hist\u00f3rico financeiro local. Cart\u00e3o TF Bank Mastercard Gold \u00a0 Sem Anuidade SOLICITAR (Voc\u00ea ser\u00e1 redirecionado para outra p\u00e1gina) Taxas e Condi\u00e7\u00f5es do TF Bank Mastercard Gold \u00a0 Servi\u00e7o Condi\u00e7\u00e3o Saques em Caixa Permitidos, sem taxa do banco, mas geram juros imediatamente Anuidade Gratuita \u2013 sem tarifas de emiss\u00e3o ou manuten\u00e7\u00e3o Cashback N\u00e3o possui Limite de Cr\u00e9dito Vari\u00e1vel, conforme an\u00e1lise individual Compras Internacionais Permitidas \u2013 sem taxa adicional do emissor; apenas convers\u00e3o da Mastercard Parcelamento da Fatura Dispon\u00edvel, com juros mensais Cart\u00e3o Adicional N\u00e3o informado Requisitos para Solicita\u00e7\u00e3o Para solicitar o cart\u00e3o, \u00e9 necess\u00e1rio: Preencher o formul\u00e1rio online Enviar documentos para verifica\u00e7\u00e3o da identidade Passar pela an\u00e1lise de cr\u00e9dito Residir em pa\u00eds atendido pelo TF Bank (ex.: Alemanha, \u00c1ustria etc.) Quem tem restri\u00e7\u00e3o pode ser aprovado? A aprova\u00e7\u00e3o n\u00e3o \u00e9 garantida. Pessoas com hist\u00f3rico de cr\u00e9dito negativo podem ter o pedido negado. Seguran\u00e7a e Confiabilidade O TF Bank \u00e9 uma institui\u00e7\u00e3o europeia reconhecida, oferecendo: Chip e autentica\u00e7\u00e3o em dois fatores Fatura e controle total via internet banking Compatibilidade com Apple Pay e Google Pay Seguro viagem incluso ao pagar a passagem com o cart\u00e3o Para Quem o Cart\u00e3o \u00e9 Indicado? Pessoas que querem um cart\u00e3o sem anuidade Usu\u00e1rios que fazem compras no exterior Viajantes que desejam seguro de viagem gr\u00e1tis Quem busca flexibilidade no pagamento da fatura Consumidores que precisam de cart\u00e3o f\u00edsico com aceita\u00e7\u00e3o global Benef\u00edcio No Cart\u00e3o Em Promo\u00e7\u00f5es do TF Bank Pontos \/ Vouchers N\u00e3o Dispon\u00edveis em campanhas espec\u00edficas Cashback N\u00e3o Pode aparecer em parcerias eventuais B\u00f4nus de ades\u00e3o N\u00e3o Poss\u00edvel em programas de indica\u00e7\u00e3o Seguro Viagem Sim Parte do pacote Gold \u00a0 Conclus\u00e3o O TF Bank Mastercard Gold \u00e9 uma excelente escolha para quem busca um cart\u00e3o gratuito, f\u00e1cil de usar e confi\u00e1vel. Ele oferece seguro viagem, aceita\u00e7\u00e3o internacional e administra\u00e7\u00e3o totalmente online \u2014 perfeito tanto para o cotidiano quanto para viagens dentro e fora da Europa. Se voc\u00ea procura um cart\u00e3o sem tarifas e com bons benef\u00edcios, vale a pena considerar o Mastercard Gold do TF Bank. FAQ \u2013 Perguntas Frequentes Tem anuidade mesmo?Sim, o cart\u00e3o \u00e9 totalmente livre de anuidade. \u00c9 necess\u00e1rio abrir conta no banco?N\u00e3o, o cart\u00e3o funciona de maneira independente. Como funciona o limite?O limite \u00e9 definido ap\u00f3s a an\u00e1lise de cr\u00e9dito e pode aumentar com bom uso. Posso parcelar a fatura?Sim, mas o parcelamento tem juros mensais. \u00c9 seguro comprar online?Sim, o cart\u00e3o utiliza 3D Secure para valida\u00e7\u00e3o adicional. Funciona com Apple Pay ou Google Pay?Atualmente n\u00e3o h\u00e1 integra\u00e7\u00e3o direta, mas o cart\u00e3o funciona normalmente via chip ou tarja.<\/p>","protected":false},"author":1,"featured_media":13672,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"googlesitekit_rrm_CAow2qXbCw:productID":"","neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","footnotes":""},"categories":[326],"tags":[],"post_folder":[],"class_list":["post-13670","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financas"],"_links":{"self":[{"href":"https:\/\/jornal365.com.br\/sk\/wp-json\/wp\/v2\/posts\/13670","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jornal365.com.br\/sk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/jornal365.com.br\/sk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/jornal365.com.br\/sk\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/jornal365.com.br\/sk\/wp-json\/wp\/v2\/comments?post=13670"}],"version-history":[{"count":43,"href":"https:\/\/jornal365.com.br\/sk\/wp-json\/wp\/v2\/posts\/13670\/revisions"}],"predecessor-version":[{"id":17289,"href":"https:\/\/jornal365.com.br\/sk\/wp-json\/wp\/v2\/posts\/13670\/revisions\/17289"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/jornal365.com.br\/sk\/wp-json\/wp\/v2\/media\/13672"}],"wp:attachment":[{"href":"https:\/\/jornal365.com.br\/sk\/wp-json\/wp\/v2\/media?parent=13670"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jornal365.com.br\/sk\/wp-json\/wp\/v2\/categories?post=13670"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jornal365.com.br\/sk\/wp-json\/wp\/v2\/tags?post=13670"},{"taxonomy":"post_folder","embeddable":true,"href":"https:\/\/jornal365.com.br\/sk\/wp-json\/wp\/v2\/post_folder?post=13670"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}