{"id":22973,"date":"2021-05-31T14:38:00","date_gmt":"2021-05-31T14:38:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=22973"},"modified":"2021-07-07T02:17:14","modified_gmt":"2021-07-07T02:17:14","slug":"como-solicitar-o-emprestimo-help","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/es\/como-solicitar-o-emprestimo-help\/","title":{"rendered":"\u00a1C\u00f3mo solicitar ayuda!"},"content":{"rendered":"<!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"0-empr%C3%A9stimo-help\">\u00a1Ayuda de pr\u00e9stamo!<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Como solicitar o empr\u00e9stimo Help! Imagem: seu cr\u00e9dito pessoal\"  id=\"22974\" src=\"https:\/\/ucarecdn.com\/90081317-f355-47cf-9230-1eb66c307c29\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >\u00a1C\u00f3mo solicitar ayuda! Imagen: tu cr\u00e9dito personal<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Bueno, desde el principio, \u00a1Ayuda! trabaja ofreciendo la modalidad de cr\u00e9dito n\u00f3mina y personal, porque busca ofrecer propuestas crediticias ventajosas para los clientes. Entonces, te ense\u00f1aremos c\u00f3mo solicitar un pr\u00e9stamo personal \u00a1Ayuda y otra informaci\u00f3n sobre este pr\u00e9stamo para ayudarte!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Entonces, para comprender m\u00e1s sobre esto y c\u00f3mo puede acceder a \u00e9l, \u00a1siga leyendo! \u00a1Verificar!<\/p>\n<\/div><div class=\"wp-block-lazyblock-credit-card lazyblock-credit-card-ZkEjW8\"><section class=\"credit-card mx-5 sm:mx-0 text-gray-600 body-font  my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n  <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n    <div class=\"w-24 h-full\"><\/div>\n  <\/div>\n  <div class=\"container px-5 sm:px-0 py-6 mx-auto\" data-anchor-target=\"lazyBlock\">\n    <div class=\"flex flex-wrap mx-auto\">\n      <a class=\"lg:w-2\/5 w-full lg:pl-6 mt-6 lg:mt-0\" href=\"https:\/\/www.help.com.br\/\" data-analytics-label=\"creditCardImage\" data-action=\"analytics#trackCTA\" >\n        <img class=\"w-full h-64 object-cover object-center rounded\" loading=\"lazy\" alt=\"card\" style=\"height: 190px;\" src=\"https:\/\/cdn.adtechpanda.com\/62d21319-720c-4733-89b0-6bc86abfcec9\/\">\n      <\/a>\n      <div class=\"lg:w-3\/5 w-full lg:pl-6 mt-6 lg:mt-0\">\n        <h2 class=\"text-sm title-font text-gray-500 tracking-widest uppercase\">\n          Pr\u00e9stamo        <\/h2>\n        <h1 class=\"text-gray-900 text-3xl title-font font-medium mb-1\">\n          \u00a1Ayuda!        <\/h1>\n        <div class=\"flex mb-4 justify-center sm:justify-start\">\n          \n                      <span class=\"inline-block py-1 px-2 rounded text-xs font-medium tracking-widest uppercase mr-2\">\n              Comprar online            <\/span>\n                    \n        <\/div>\n        <p class=\"leading-relaxed\">\n          \u00a1Cuota en hasta 12 meses, y el dinero cae en tu cuenta en solo 24 horas!         <\/p>\n        <div class=\"flex mt-6 items-center pb-5 border-b-2 border-gray-100 mb-5\">\n          \n        <\/div>\n        <div class=\"flex\">\n          <a data-km2-rewarded=\"true\" style=\"font-size: 13px;\" class=\"hidden animate-fade-in flex m-auto sm:mr-0 sm:ml-auto\" rel=\"sponsored\" href=\"https:\/\/www.help.com.br\/\" data-analytics-label=\"creditCardButton\" data-action=\"analytics#trackCTA\"  >\n            <button class=\"uppercase flex m-auto sm:mr-0 sm:ml-auto border-0 py-2 px-4 focus:outline-none rounded  disabled:opacity-50\">\n              Solicitar pr\u00e9stamo            <\/button>\n          <\/a>\n          <a data-km2-rewarded=\"false\" style=\"font-size: 15px;\" class=\"flex m-auto sm:mr-0 sm:ml-auto\" rel=\"sponsored\" href=\"https:\/\/www.help.com.br\/\" data-analytics-label=\"creditCardButton\" data-action=\"analytics#trackCTA\"  >\n            <button id=\"offer-first\" class=\"flex m-auto sm:mr-0 sm:ml-auto border-0 py-2 px-6 focus:outline-none rounded  disabled:opacity-50\">\n              Solicitar pr\u00e9stamo            <\/button>\n          <\/a>\n        <\/div>\n        <p class=\"text-xs text-gray-500 mt-3 text-center sm:text-right\">\n          Ser\u00e1s redirigido a otro sitio web.        <\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n\n    <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? this.visible() : ''; window.anchorReady = true; }); if (document.getElementById('landing')) { setTimeout(() => { !window.anchorReady ? this.visible() : ''; window.anchorReady = true; }, 1 * 30000); }; } connect() { this.onShowAnchor(); document.addEventListener(\"scroll\", this.boundOnShowAnchor); } disconnect() { document.removeEventListener(\"scroll\", this.boundOnShowAnchor); } visible() { if (document.getElementById('av-offerwall__wrapper')) { setTimeout(() => this.visible(), 20000); return; } if (document.getElementById('av-fixed__bottomWrapper') && document.getElementById('av-fixed__bottomWrapper').style.display !== 'none') { this.getAnchorElement().style.marginBottom = '60px'; } if (!window.km2AnchorReady) { this.active = true; \/*this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-down');*\/ \/*this.getAnchorElement().classList.add('animate-show-up');*\/ \/*setTimeout(() => {*\/ \/*this.getAnchorElement().style.animation = \"\";*\/ this.getAnchorElement().classList.add('animate-show-up'); this.getAnchorElement().classList.remove('hidden'); this.setAnchorViews(this.anchorViews+1); setTimeout(() => this.closeAnchor(), 20000); this.active = false; \/*}, 10);*\/ } } invisible() { this.active = true; this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-up'); this.getAnchorElement().classList.add('animate-show-down'); setTimeout(() => { this.getAnchorElement().style.animation = \"\"; setTimeout(() => { this.getAnchorElement().classList.add('hidden'); this.active = false; }, 800); }, 10); } onShowAnchor() { let anchorReady = false;  \/*if (!this.active && !anchorReady) { if (this.getAnchorViews() <= 3) { if (window.scrollY > this.getHeightBlock()) { if (!this.passed && !this.closed) { this.visible(); this.passed = true; } } else { if (this.passed) { this.invisible(); this.passed = false; } } } else { if (!this.getAnchorElement().classList.contains('close')) { this.getAnchorElement().classList.add('close'); if (window.scrollY < this.getHeightBlock()) { this.invisible(); } } } }*\/ } closeAnchor() { this.invisible(); this.getAnchorElement().classList.add('close'); this.closed = true; } getAnchorElement() { return this.lazyBlockAnchorTargets[0]; } getAnchorViews() { this.anchorViews = parseInt(sessionStorage.getItem(\"anchorViews\")) >= 1 ? parseInt(sessionStorage.getItem(\"anchorViews\")) : 0; return this.anchorViews; } setAnchorViews(views) { sessionStorage.setItem(\"anchorViews\", views); } getHeightBlock() { return this.lazyBlockTarget.offsetTop + this.lazyBlockTarget.offsetHeight - 110; } }) <\/script>  <div data-anchor-target=\"lazyBlockAnchor\" class=\"fixed w-full sm:w-96 px-3 py-2 bottom-0 left-0 hidden\" style=\"z-index: 999999;\" name=\"lazyBlockAnchor\">\n    <div class=\"grid justify-items-stretch\">        \n              <div class=\"relative justify-self-end top-4 -right-2\">\n          <button class=\"bg-white text-md font-medium text-center rounded-full h-7 w-7 border-2\" data-analytics-label=\"anchorCloseAnchor\" data-action=\"anchor#closeAnchor\" style=\"z-index: 999999;\">\n            X\n          <\/button>\n        <\/div>\n        <div class=\"justify-self-auto flex flex-col h-32 bg-white border-solid border-2 shadow-md rounded-md\">\n          <div class=\"flex my-0 h-full\">\n            <div class=\"w-2\/5 p-1 ml-2 mt-2 w-full\">\n              <a href=\"https:\/\/www.help.com.br\/\" rel=\"sponsored\" data-analytics-label=\"anchorImage\" data-action=\"analytics#trackCTA\">          \n                <img loading=\"lazy\" alt=\"card\" class=\"w-full object-cover h-24 object-center rounded justify-self-auto border-2 border-gray-100\" src=\"https:\/\/cdn.adtechpanda.com\/62d21319-720c-4733-89b0-6bc86abfcec9\/\">          \n              <\/a>\n            <\/div>\n            <div class=\"w-3\/5 my-2\">\n              <p class=\"px-4 text-center text-xs h-1\/2\">\n                Cuota en hasta 12 meses, y el dinero va a tu cuenta\u2026              <\/p>\n              <a href=\"https:\/\/www.help.com.br\/\" rel=\"sponsored\" data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n                <button class=\"flex w-5\/6 m-auto mt-2 border-0 py-1 px-3 focus:outline-none rounded\">                \n                  <p class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    Solicitar pr\u00e9stamo\u2026                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Ser\u00e1s redirigido a otro sitio web.              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n<\/section><\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"1-passo-a-passo-para-solicitar-o-empr%C3%A9stimo-pessoal-help\">Paso a paso para solicitar pr\u00e9stamo personal Ayuda<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Como solicitar o empr\u00e9stimo Help! Imagem: Foregon\"  id=\"22976\" src=\"https:\/\/ucarecdn.com\/9ec95080-1764-4388-87dc-f44337c7b7e3\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >\u00a1C\u00f3mo solicitar ayuda! Imagen: Foregon<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00a1As\u00ed que conozcamos el paso a paso para aplicar!<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"2-solicitar-online\">Comprar online<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Bueno, ordenar en l\u00ednea es bastante simple. Simplemente ingrese al sitio web oficial de Ayuda, complete los formularios con sus documentos personales. Luego, el an\u00e1lisis de cr\u00e9dito se llevar\u00e1 a cabo de una manera muy r\u00e1pida y segura y todo va bien, \u00a1dentro de las 24 horas, su cr\u00e9dito ser\u00e1 liberado!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Adem\u00e1s, puede solicitar un pr\u00e9stamo personal de Help en una de las tiendas de Help, simplemente tomando sus documentos personales y completando todos los formularios all\u00ed. \u00a1Listo, solo espera!<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"3-solicitar-via-telefone\">Solicitud por tel\u00e9fono<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Entonces, como mencionamos, la solicitud de pr\u00e9stamo personal de Help solo se puede hacer a trav\u00e9s de Internet o en una de las tiendas de Help.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pero, si desea aclarar dudas con Hep, solo comun\u00edquese con la Central al n\u00famero: 0800-031-8866.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"4-baixar-aplicativo\">descargar aplicaci\u00f3n<\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Como solicitar o empr\u00e9stimo Help! Imagem: seu cr\u00e9dito pessoal\"  id=\"22977\" src=\"https:\/\/ucarecdn.com\/8b48969c-88ab-4669-98ad-8e97fa470300\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >\u00a1C\u00f3mo solicitar ayuda! Imagen: tu cr\u00e9dito personal<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pues el pr\u00e9stamo de Help no se puede pedir a trav\u00e9s de una aplicaci\u00f3n, porque solo se puede pedir a trav\u00e9s de la web de Help, \u00a1y en comercios acreditados!<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"5-empr%C3%A9stimo-agibank-ou-empr%C3%A9stimo-help-\"><strong><strong>\u00a1Pr\u00e9stamo de Agibank o pr\u00e9stamo de ayuda!<\/strong><\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>As\u00ed, la Ayuda tiene varias ventajas, y es muy sencilla de solicitar. \u00a1As\u00ed que no lo dejes para m\u00e1s tarde y hazlo hoy mismo! Pero si a\u00fan tienes dudas, \u00bfqu\u00e9 tal conocer el pr\u00e9stamo Agibank como opci\u00f3n? Compru\u00e9balo a continuaci\u00f3n:<\/p>\n<\/div><div class=\"prose text-left mb-5 w-[17rem] sm:w-full flex overflow-auto m-auto\">\n<figure class=\"wp-block-table\"><table><tbody><tr><td><\/td><td><strong>\u00a1Ayuda!<\/strong><\/td><td><strong>Agibank<\/strong><\/td><\/tr><tr><td><strong>valor crediticio<\/strong><\/td><td>consultar<\/td><td>de R$ 200,00 a R$ 15.000,00<\/td><\/tr><tr><td><strong>N\u00famero de plazos<\/strong><\/td><td>hasta en 12 cuotas (o 15 para clientes que reciben salario o beneficios en Banco BMG)<\/td><td>de 3 a 72 cuotas<\/td><\/tr><tr><td><strong>Tasa de inter\u00e9s<\/strong><\/td><td>1.67% soy<br><\/td><td>Las tasas de inter\u00e9s son variables, es decir, no es posible saber con precisi\u00f3n de cu\u00e1nto ser\u00e1 el porcentaje.<\/td><\/tr><tr><td><strong>\u00bfAceptas negativas?<\/strong><\/td><td>S\u00ed<\/td><td>S\u00ed<\/td><\/tr><tr><td><strong>Beneficios<\/strong><\/td><td>No hay consulta con SPC y Serasa; dentro de las 24 horas en su cuenta<\/td><td>no se requiere ingreso m\u00ednimo y el tiempo de an\u00e1lisis es de hasta 1 d\u00eda h\u00e1bil<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z9hISX\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/es\/como-solicitar-emprestimo-agibank\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"C\u00f3mo solicitar un pr\u00e9stamo de Agibank\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/1b75379f-3ecd-405d-b6ff-ab69275896ce\/\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/es\/como-solicitar-emprestimo-agibank\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"C\u00f3mo solicitar un pr\u00e9stamo de Agibank\">\n            C\u00f3mo solicitar un pr\u00e9stamo de Agibank        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            \u00a1Conoce c\u00f3mo solicitar un pr\u00e9stamo personal Agibank y otra informaci\u00f3n \u00fatil sobre este pr\u00e9stamo, para que puedas saldar todas tus deudas!\n\n        <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/senhorpanda.com\/es\/como-solicitar-emprestimo-agibank\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Sigue leyendo            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? this.visible() : ''; window.anchorReady = true; }); if (document.getElementById('landing')) { setTimeout(() => { !window.anchorReady ? this.visible() : ''; window.anchorReady = true; }, 1 * 30000); }; } connect() { this.onShowAnchor(); document.addEventListener(\"scroll\", this.boundOnShowAnchor); } disconnect() { document.removeEventListener(\"scroll\", this.boundOnShowAnchor); } visible() { if (document.getElementById('av-offerwall__wrapper')) { setTimeout(() => this.visible(), 20000); return; } if (document.getElementById('av-fixed__bottomWrapper') && document.getElementById('av-fixed__bottomWrapper').style.display !== 'none') { this.getAnchorElement().style.marginBottom = '60px'; } if (!window.km2AnchorReady) { this.active = true; \/*this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-down');*\/ \/*this.getAnchorElement().classList.add('animate-show-up');*\/ \/*setTimeout(() => {*\/ \/*this.getAnchorElement().style.animation = \"\";*\/ this.getAnchorElement().classList.add('animate-show-up'); this.getAnchorElement().classList.remove('hidden'); this.setAnchorViews(this.anchorViews+1); setTimeout(() => this.closeAnchor(), 20000); this.active = false; \/*}, 10);*\/ } } invisible() { this.active = true; this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-up'); this.getAnchorElement().classList.add('animate-show-down'); setTimeout(() => { this.getAnchorElement().style.animation = \"\"; setTimeout(() => { this.getAnchorElement().classList.add('hidden'); this.active = false; }, 800); }, 10); } onShowAnchor() 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