{"id":23014,"date":"2021-06-01T01:46:55","date_gmt":"2021-06-01T01:46:55","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=23014"},"modified":"2021-06-01T01:46:59","modified_gmt":"2021-06-01T01:46:59","slug":"conheca-o-emprestimo-pessoal-agibank","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/it\/conheca-o-emprestimo-pessoal-agibank\/","title":{"rendered":"Scopri il prestito personale Agibank"},"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-pessoal-agibank-\"><strong>Empr\u00e9stimo pessoal Agibank&nbsp;<\/strong><\/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=\"Conhe\u00e7a o Empr\u00e9stimo pessoal Agibank Imagem: FDR\"  id=\"23015\" src=\"https:\/\/ucarecdn.com\/4b4dcba7-46f9-42a2-b8e0-f3fe5976825a\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Conhe\u00e7a o Empr\u00e9stimo pessoal Agibank Imagem: FDR<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De in\u00edcio, o empr\u00e9stimo pessoal Agibank \u00e9 uma forma r\u00e1pida e inteligente de se conseguir dinheiro, sendo direcionado para aposentados, pensionistas, militares e servidores p\u00fablicos. Ent\u00e3o, conhe\u00e7a o empr\u00e9stimo Agibank e outras informa\u00e7\u00f5es sobre essa forma de conseguir dinheiro!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Nisso, neste empr\u00e9stimo voc\u00ea tem de 3 a 72 meses para quitar seu d\u00e9bito. Ent\u00e3o, continue na leitura para conhecer um pouco mais sobre este empr\u00e9stimo, que apesar de ter um custo alto, \u00e9 considerado acess\u00edvel!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z1s9Bg3\">\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\/it\/como-solicitar-emprestimo-agibank\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Como solicitar empr\u00e9stimo pessoal Agibank\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/3c68deb8-700e-46ba-bfdf-0e25e5ee4b57\/\" 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\/it\/como-solicitar-emprestimo-agibank\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Como solicitar empr\u00e9stimo pessoal Agibank\">\n            Como solicitar empr\u00e9stimo pessoal 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            Scopri come richiedere un prestito personale Agibank e altre informazioni utili su questo finanziamento, cos\u00ec da poter saldare tutti i tuoi debiti!        <\/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\/it\/como-solicitar-emprestimo-agibank\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Continua a leggere            <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() { 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:\/\/senhorpanda.com\/it\/como-solicitar-emprestimo-agibank\/\"  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\/3c68deb8-700e-46ba-bfdf-0e25e5ee4b57\/\">          \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                Como solicitar empr\u00e9stimo pessoal Agibank              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/it\/como-solicitar-emprestimo-agibank\/\"  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                    Continua a leggere                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Rimarrai sullo stesso sito web              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\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=\"1-como-funciona-o-empr%C3%A9stimo-pessoal-agibank-\"><strong>Como funciona o empr\u00e9stimo pessoal Agibank?<\/strong><\/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=\"Conhe\u00e7a o Empr\u00e9stimo pessoal Agibank Imagem: Foregon\"  id=\"23016\" src=\"https:\/\/ucarecdn.com\/d943319b-985b-4e7f-8787-b8ff4212135b\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Conhe\u00e7a o Empr\u00e9stimo pessoal Agibank Imagem: Foregon<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pois bem, o empr\u00e9stimo Agibank \u00e9 uma linha de cr\u00e9dito voltada para pensionistas, aposentados, servidores p\u00fablicos e militares, inclusive, aqueles que j\u00e1 usaram a margem do desconto em folha de pagamento!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Nisso, o empr\u00e9stimo \u00e9 oferecido pelo Banco Agibank, onde n\u00e3o h\u00e1 consulta aos bir\u00f4s de cr\u00e9dito como Serasa e SPC.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>E ainda, os clientes pagam o empr\u00e9stimo em parcelas fixas em at\u00e9 72 vezes, com desconto na folha de pagamento ou benef\u00edcio do INSS.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por outro lado, o empr\u00e9stimo pessoal Agibank ainda n\u00e3o aceita aut\u00f4nomos, ou seja, \u00e9 necess\u00e1rio ter a carteira de trabalho registrada.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Portanto, a Agibank funciona para trazer mais seguran\u00e7a, praticidade e conforto na hora de quitar as d\u00edvidas ou procurar dinheiro para abrir um neg\u00f3cio! Ent\u00e3o, n\u00e3o deixe de conferir essa \u00f3tima oportunidade!<\/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=\"2-quais-as-vantagens-do-empr%C3%A9stimo-agibank\">Quali sono i vantaggi del prestito Agibank?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De in\u00edcio, a primeira vantagem \u00e9 que a Agibank n\u00e3o faz consulta aos \u00f3rg\u00e3os de prote\u00e7\u00e3o ao cr\u00e9dito, ou seja, para pessoas com o nome sujo, \u00e9 uma excelente oportunidade para conseguir dinheiro.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>E al\u00e9m disso, com ele voc\u00ea tem de 3 at\u00e9 72 parcelas para pagar o seu cr\u00e9dito, sendo uma das mais maiores do mercado!<\/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=\"3-quais-as-desvantagens-do-empr%C3%A9stimo\">Quali sono gli svantaggi del prestito?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pois bem,  o fato de n\u00e3o aceitar aut\u00f4nomos \u00e9 um ponto negativo da institui\u00e7\u00e3o, isso porque, apenas trabalhadores com carteira assinada e servidores p\u00fablicos podem ter acesso.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Assim como, o custo efetivo do empr\u00e9stimo tamb\u00e9m \u00e9 considerado alto, isso porque, as taxas de juros s\u00e3o vari\u00e1veis, ou seja, n\u00e3o d\u00e1 para saber com precis\u00e3o quanto ser\u00e1 a porcentagem.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Portanto, s\u00f3 solicite este empr\u00e9stimo pessoal Agibank se realmente tiver condi\u00e7\u00f5es financeiras para pagar todas as parcelas com os juros respectivos, se n\u00e3o ao inv\u00e9s de se tornar uma op\u00e7\u00e3o para resolver pend\u00eancias financeiras, voc\u00ea vai criar novas d\u00edvidas!<\/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=\"4-empr%C3%A9stimo-agibank-vale-a-pena\">Empr\u00e9stimo Agibank vale a pena?<\/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=\"Conhe\u00e7a o Empr\u00e9stimo pessoal Agibank Imagem: momento info\"  id=\"23018\" src=\"https:\/\/ucarecdn.com\/392376e8-4b38-4ae9-8d76-d66a70abce6f\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Conhe\u00e7a o Empr\u00e9stimo pessoal Agibank Imagem: momento info<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, vale a pena contratar o empr\u00e9stimo pessoal Agibank, pois, \u00e9 uma \u00f3tima solu\u00e7\u00e3o para resolver pend\u00eancias financeiras como abrir um neg\u00f3cio ou quitar d\u00edvidas.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Portanto, conta com uma quantidade alta de parcelas e ainda \u00e9 ideal para pessoas com o nome sujo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>E al\u00e9m disso, \u00e9 um processo que traz praticidade e seguran\u00e7a, pois, pode ser feito atrav\u00e9s do site oficial da institui\u00e7\u00e3o, bastando preencher o formul\u00e1rio e aguardar o retorno da ag\u00eancia!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, na hora de escolher uma ag\u00eancia que traz comodidade e confian\u00e7a para os clientes, a Agibak tem se mostrado uma das melhores op\u00e7\u00f5es do mercado, por trazer formas de pagamento das parcelas variadas e ainda uma boa op\u00e7\u00e3o para pessoas com o nome sujo!<\/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-como-fazer-um-empr%C3%A9stimo-agibank-\"><strong>Como fazer um empr\u00e9stimo Agibank?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, para fazer o empr\u00e9stimo pessoal Agibank voc\u00ea deve estar com os documentos pessoais em m\u00e3os e preencher os formul\u00e1rios no site oficial! Pronto!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Portanto, na hora de optar por solicitar o empr\u00e9stimo Agibank, fa\u00e7a uma an\u00e1lise da sua situa\u00e7\u00e3o financeira, para saber se essa \u00e9 uma boa solu\u00e7\u00e3o para voc\u00ea e veja se voc\u00ea atende a todos os crit\u00e9rios! Ent\u00e3o, agora que voc\u00ea j\u00e1 conhece como tudo funciona, vamos te mostrar como voc\u00ea pode ter acesso a ele!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-VQv6E\">\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\/it\/como-solicitar-emprestimo-agibank\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Como solicitar empr\u00e9stimo pessoal Agibank\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/3c68deb8-700e-46ba-bfdf-0e25e5ee4b57\/\" 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\/it\/como-solicitar-emprestimo-agibank\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Como solicitar empr\u00e9stimo pessoal Agibank\">\n            Como solicitar empr\u00e9stimo pessoal 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            Scopri come richiedere un prestito personale Agibank e altre informazioni utili su questo finanziamento, cos\u00ec da poter saldare tutti i tuoi debiti!        <\/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\/it\/como-solicitar-emprestimo-agibank\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Continua a leggere            <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() 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