2 Based on average number of attorney hours per case for claims incurred in 2016 or 2017 and paid by December 31, 2018. I contacted ARAG and stated what happened. If you’re a member and in the market to purchase your home, check your legal plan for coverages, and work with a network attorney who can review documents and attendance at closing. NicheTable is a table builder plugin to extend Gutenberg’s editor so you can create custom Comparison tables into posts and pages in a minute. Insurance products are underwritten by ARAG Insurance Company of Des Moines, Iowa. ARAG is a family-owned company – and we treat our customers, team members, and community like family too. com; Site map. Glossary Page 37 . Credit score and home insurance. For instance, people covered by an ARAG® legal insurance plan can: Talk to a network attorney, who can offer legal counsel and review documents. The cost of preparing a will or trust is determined by your estate's complexity, the type of services you seek and lawyer's fees. The cost of legal insurance plans (also known as prepaid legal plans) typically ranges from $9 to $30 a month. We offer payment plans to align with our mission to make estate planning and settlement affordable and accessible for everyone. page 169 - oposocial 25 - guÍa de recursos para las familias re arag P. A will is a legal document containing instructions to be carried out after your death. 1. 202. Finding the right will making software for your family situation can streamline the process and allow you to have everything in order for your heirs. Please Choose Your Subscription Tier *. Industry: Machinery, Equipment, and Supplies Merchant Wholesalers , Residential Building Construction , Commercial and Industrial Machinery and Equipment Rental and Leasing , Consumer Goods Rental , Nondepository Credit Intermediation See All Industries, Construction and mining machinery, Operative builders, Equipment rental and leasing,. Squarespace – Has gorgeous designs, e. Architizer Awards - Private House of the Year 2021 (WINNER) ArchDaily 2021 Building of the Year Awards - Housing Category (Shortlisted) AJ (Architect’s Journal) Small Projects. 75 Buy Now 1 The Survey of Law Firm Economics: 2016 Edition, The National Law. es Servicios Sociales Generales. ARAG was established in 2005 by Chris Donnelly [ de] CMG, the former principal advisor to the NATO Secretary General. 1. S. attorney with 11 to 15 years experience according to "The Survey of Law Firm Economics: 2018 Edition. Service products are provided by ARAG Services, LLC. I've been using basic for several years and I'm familiar with how to use the software and I don't mind paying $19. For Insurers & Mutuals. File a lawsuit. Make the call. ActiveCampaign: Best Marketing Automation Tools. I designed this Elder Wand from pictures after watching the Harry Potter movie series again in anticipation of Halloween. peretril. Arag Inc Contact Information. Value of free plan: Decent, but not outstanding. Live tax advice (available December 2023) Unlimited access to live expert tax advice. Cuantía de la ayuda La ayuda. Location of This Business. Please remember that the ARAG legal documents, DIY Docs ® are accurate and useful in many situations. Depending upon a state's regulations, ARAG's legal insurance plan may be considered an insurance product or a service product. Trust & Will is an online service that prepares trust, will and guardianship documents at reasonable rates. GUÍA DE RECURSOS PARA LAS FAMILIAS RE ARAGÓN En caso de fallecimiento de la madre, el otro progenitor podrá hacer uso de la totalidad o, de la parte que reste de suspensión. Información y contacto Dirección General. Insure what you have. The more service credit you have, the higher your retirement benefits will be. Depending upon a state’s regulations, ARAG’s legal insurance plan may be considered an insurance product or a service product. Job posted 4 hours ago - ARAG North America is hiring now for a Full-Time Product Owner in Des Moines, IA. Create Your Will Get Started on Your Will When it's time to create your will, the first step is deciding whether to call an attorney or create one yourself using an online template or other DIY program. Paul-Otto Faßbender, our present Chairman and CEO, founded ARAG in Düsseldorf/Germany in 1935, and the organization has been in family hands ever since. sava cristian. Co-operators uses credit score, where permitted by provincial regulations, as a rating factor to determine home insurance premiums. Service products are provided by ARAG Services, LLC. Support: Only with paid account. Still have questions? Email service@ARAGlegal. They'll handle a minor traffic offense, but likely not extended legal engagement. Perhaps you have friends who met with an attorney to create their plans, while others swear by do-it-yourself (DIY) docs they found online. Use our pickers for colors, Google Fonts, shadows and general settings without. Our policies are underwritten by HDI. Take a picture with your webcam and make it 3D. What legal insurance covers. . LegalShield and Avvo are others that I have heard of that do similar things. Referred to as “in-state” or “resident” tuition, savings are considerable and in most cases, they are 3 to 4 times lower than what international students would pay. 4. 00 for the remaining premiums paid to-date. Start now. No waiting periods on ANY coverages. Mediation. 3 Based on the actual average hourly rate of the ARAG network attorneys within 30 to 60 miles of area. A benefit with ARAG is that they include identity theft monitoring at no extra charge. Expired. com. Free Filing. The. Its headquarters are located in the ARAG-Tower in Düsseldorf. com and enter Access Code 15841iac. Paul-Otto Faßbender, our present Chairman and CEO, founded ARAG in Düsseldorf/Germany in 1935, and the organization has been in family hands ever since. We pledge to provide a positive workplace culture and. Customize the site to fit your brand. Password. This flexibility comes at a cost - it is the hardest of all the form builders to get started and use. Howarufus • 10 mo. Work. Builder – This abstract base class defines all of the steps that must be taken in order to correctly create a product. P. How you receive your will: PDF download of your will. Do I Need an Attorney to Create a Will? Now that you understand the basic components of an estate plan, you might be a little. m. ARAG has been a global leader in legal insurance for. The company has an international premium base of more than $2 billion and protects. cwiejkowska. m. Amsterdam Area, Netherlands Business and strategic. This isn't really a legal question. The offer states: Get x,y,z cases all paid 100%. HOME PAGE; PRODUCTS; ABOUT US; CONTACT US; NEWS; DOWNLOAD; WORK WITH US;ARAG’s basic legal protection plan for individuals is $16. Coordination of Benefits Page 45 . Up to $20 off with this TurboTax service code. Policy for updating: Only with paid account. Why sign in to the Community? Submit a question; Check your notifications; Sign in to the Community or Sign in to TurboTax and start working on your taxesIt is ONLINE Deluxe (web version) that cannot handle investment income from sales transactions, since it cannot prepare Schedule D for capital gains/losses. $368 is the average For information regarding Will Builder by ARAG in TurboTax, please visit the help article below. Keep a file for all related paperwork. If so, you may want to consider redoing your. 95 for federal tax filing. Create your web apps using a fast and intuitive WYSIWYG builder. Figured the roughly $230 for one year of legal insurance is probably worth it to have the original will/trust updated. We build a wide range of Android and iOS apps for you with our AI-powered mobile app builder. Choose the areas of law you want to provide so you can grow your practice intentionally. Silex. 1 in 100 people. The free plan includes 1 project and free hosting. Drag and drop UI builder. But as an ARAG plan member you don’t have to work through personal tax-related issues on your own, because ARAG now offers tax services as part of its legal insurance plan. Best for Discounts: Rocket Lawyer. Microsoft Forms for AI question suggestions and themes. Estate planning was something I wanted to do but kept postponing. com and clicking on theLean on us for help. Now with that open, you want. 05. $20 Off. How this. Eslinger will gather information and discuss with you about your Will and powers of. Legal Now includes online access to the ARAG Learning Center for 90 days, with resources to help you prepare for the initial discussion with your attorney. Preparing Robert profile… View Robert's Email (It's Free) 5 free lookups per month. Let's say that typical homes within your price range are $250,000. However, we are unable to locate your claim based on the information provided in your review. . p. For Linux, Azure Image Builder runs waagent -deprovision. Legal service or insurance plans have massive limitations and restrictions. ARAG was first set up in 1995 and has become firmly established since 2006. The site provides customized, state-specific wills and instructions to walk you through the documents you need. ARAG is a family-owned company, and we treat our customers, team members and community like family too. Auto repair. Skeuomorphism is where an object in software mimics its real world counterpart. See full list on investopedia. As someone who has been a victim of identity theft, this is great to have for a peace of mind. Limitations and exclusions apply. We pledge to provide a positive workplace culture and customer experience. No tags found. The transaction reflects a valuation of approximately 16. $368 is the average hourly rate for a U. The downside can sometimes be finding an attorney that is willing to commit fully to some of the bigger items like adoption. The bottom line. Time to complete: 25 minutes. Reduction of Ωarag has been found to reduceMove fast - as one team. Consults with clients concerning EDI guidelines and capabilities. The ability to identify problems, analyze cause and provide solutions is required. Claim forms can be obtained by calling the ARAG Customer Care Center at 800-360-5567, Monday - Friday, 8 a. ARAG is a global company with more than 80 years of experience, and a network of 14,000 attorneys in the U. MeasurIT Flexim Application Data Sheet FLUXUS 0811. Get paid directly by ARAG. You can choose from over a hundred templates and use the drag-and-drop editor to move elements around. Business Started: 7/15/1973. Moline Builders, established in 1987, is a lot like its founder- decorated and successful. Arag Products. In 2007, ARAG acquired shares of HELP Forsikring and thus entered a field of business in Norway that had previously offered little potential to legal insurers, due to the strong influence of the welfare state. Through this plan, employees can address legal issues in any of the following ways: Meet with an Attorney: Members can work with a network attorney in-person or over the telephone to address their legal concerns. For $89, LegalZoom will help you create a last will and testament. MIT offers legal insurance through ARAG to make it affordable for employees to get the legal assistance they need. – 8 p. P. c. Limitations and exclusions apply. Costco sells it for $79. If you submit documents, they don't confirm OK status of the accusation. , ET or by logging in as a member at ARAGLegalCenter. Use DIY Docs ® to create certain legally valid documents online. Working with broker, insurer and mutual partners, we create access to justice solutions for Canadian families, small business owners and residential landlords. Then we had emails and quick phone call(s). Moreover, the employees are really rude when you call. Innovation Lead and Venture builder @ PostNL; Venture builder | Product design lead @. Browse thousands of real customer reviews to learn why TurboTax is. Dashboard Welcome by Beaver Addons gives you full control over the WordPress welcome panel using Beaver Builder. Trust and will preparation, durable power of attorney, and more. $368 is the average hourly rate for a U. Pay in increments and send your check only when the job is finished properly. html; 0001: 0002: 0003: 0004: 0005: 0006: 0007: 0008: 0009: 0010: 0011: 0012: 0013: 0014: 0015: 0016: 0017: 0018: 0019: 0020: 0021: 0022: 0023: 0024: 0025. The story of the Free File program is long and twisting, and it can seem more like a fight against free tax filing than a fight for it. James Shields in Torrance. We develop and incubate AI-driven technology breakthroughs to solve our customers’ most important financial problems. 131. Because we are an insurance product (as opposed to a pre-paid legal plan), we must meet stringent federal and state laws, rules and regulations. Other programs, such as TaxSlayer, charge up to $59. Please select the appropriate options below, provide your question or comment, and we'll make sure your message gets to the right person. For Windows VMs, Azure Image Builder uses Sysprep. Tell the responsible party about the problem and — assuming they don't agree to compensate you or fix the problem right away — ask if they would agree to go to mediation with you. It took me some time to fill out the form. TTY (800) 383-4184 (or 711 to reach a relay operator) To enroll or make changes by mail or fax, complete the Retiree Group Legal Services Insurance Enrollment Authorization (Form 200686 ) and mail or fax it to ARAG Insurance. Apply today at CareerBuilder!The Best Free Website Builders of 2023. Toll-free (866) 762-0972. Significant price increase this year. 74) as arag. You will also have access to more than 15,000 attorneys. GoDaddy: Best for digital marketers. In Person Phone. 108. Toll-free (800) 511- 4007. 0 2Send a demand letter to the responsible party asking for the costs to repair the defect. Service products are provided by ARAG Services, LLC. Arag bad experience. Please retain a copy for your records. Let's keep your finances simple. Since 2017, online estate-planning company Trust & Will has helped more than 200,000 customers plan their legacies since it was founded in San Diego by Cody. If you selected Family coverage, please list information for spouse/domestic partner and unmarried eligible dependent children up to age 26 below. Skip to content FREE SHIPPING OVER $150 UP TO 25KG* FREECALL 1800 956 787. My coworker used ARAG services for their Chapter 13 Bankruptcy and didn’t have to pay anything out of pocket and had an easy and smooth process. 1 GUÍA DE RECURSOS PARA LAS FAMILIAS DE ARAGÓNARAG up to schedule maximums by submitting a claim form and your attorney's billing statement directly to ARAG. This material is for illustrative purposes only and is not a contract. This year, the price seems to have jumped up to $56 (current Amazon price). Service products are provided by ARAG Services, LLC. Contribute to anspar/arag development by creating an account on GitHub. Brazil. This material is for illustrative purposes only and is not a contract. m. Select the option to view or modify your ship, then choose the ship you would like to modify, and press X on controller (B on keyboard) to get to the Ship Builder. [email protected] Per Month Starter Plan. 2015 - jul. Page 29 - OPOSOCIAL 25 - GUÍA DE RECURSOS PARA LAS FAMILIAS RE ARAG. This includes introducing several new enhancements to the ARAG legal app to make it even easier for plan members to select and connect with attorneys. However, if you have uploaded the images via FTP or. Drag and drop UI builder. Cost: Free with seven-day trial. This material is for illustrative purposes only and is not a contract. “This means a lot because we’ve worked as a team for 17 years now building LS engines,” Neelen says. Complete and sign the Enrollment Form, (and a blankARAG Legal Solutions Inc. Nov. Location. That shows you each form, completely filled out with all of the correct information. I have not yet signed up for the product, so there's no reason ARAG would have sent me an email. Business Incorporated: Limitations and exclusions apply. En el supuesto de fallecimiento del hijo o hija, el período de suspensión no. Page 131 - OPOSOCIAL 25 - GUÍA DE RECURSOS PARA LAS FAMILIAS RE ARAG. In the first use case, we’re merely implementing a Class, and we want to use a builder to create instances of our class. Their customer service was quick to respond with any questions that I had. P. Your plan will pay for 100% of Network Attorney fees for paid-in-full, covered matters. We have tried with popular themes such as Enfold, Avada, Elementor page builders, Astra, Divi, etc and it works perfectly great. Westlake, Ohio, USA – August 24, 2023 – Nordson Corporation (Nasdaq: NDSN) has completed the acquisition of the ARAG Group and its subsidiaries (“ARAG”). 10 License: GPL-3. An expert does your return, start to finishSharraxaad. 137. March 29, 2023 11:12 AM. Customize your template. 2 Based on average number of attorney hours per case for claims incurred in 2016 or 2017 and paid by December 31, 2018. Jotform for building a form from a template. attorney with 11 to 15 years experience according to "The Survey of Law Firm Economics: 2018 Edition. You can access more than 15,000 experienced network attorneys—in person or by phone—plus online tools and resources—all for just $11. To combine two intervals using inequality notation or set-builder notation, we use the word “or. Here is the list of websites hosted on the simlar IP addresses (212. Customize your template. Job posted 4 hours ago - ARAG North America is hiring now for a Full-Time Product Owner in Des Moines, IA. Edit: As u/AMooseInAK noted, one of the reasons there are so many missing parts on Gunstruction is manufacturers refusing to play ball and allow their brand to be represented. Builder is widely used in Java core libraries: java. Job posted 4 hours ago - ARAG North America is hiring now for a Full-Time Accounts Payable Specialist in Des Moines, IA. î ì í ô z ' e } z u ] u / v w } ] Ç } v ( ] v ] o ñ +rz 0xfk <rx &dq 6dyh zlwk $5$* íARAG's award-winning Customer Care Center is available to help plan members with coverage questions and to connect them with network attorneys. Permission to work in any company. Apply today at CareerBuilder!The Bottom Line. Online Deluxe. GUÍA DE RECURSOS PARA LAS FAMILIAS RE ARAGÓN 15 / SUSPENSIÓN CON RESERVA DEL PUESTO DE TRABAJO EN EL SUPUESTO DE RIESGO DURANTE EL EMBARAZO Y LA LACTANCIA NATURAL ¿Para quién? Para las trabajadoras por. S. Heinrich Faßbender, the grandfather of Dr. GUÍA DE RECURSOS PARA LAS FAMILIAS RE ARAGÓN / Ley 24/2003, de 26 de diciembre, de medidas urgentes de política de vivienda protegida Información y contacto Que la persona adquiriente esté inscrita en el Registro de Solicitantes de Vivienda. Form Builder by Lam Phuoc Thinh. Expert does your taxes. See reviews, photos, directions, phone numbers and more for Arag Construction locations in Hermosa Beach, CA. He or she can help you understand why you should have a will, what to know about the details of a will and more. We are free to make our own decisions,. The University of California and ARAG, a leader in legal insurance, today announced a partnership to provide legal benefits to alumni of the University of California campus, including UC Davis and UC Berkeley ®. User experience: Clunky interface, somewhat difficult to understand. GUÍA DE RECURSOS PARA LAS FAMILIAS RE ARAGÓN Observaciones / Supone una prolongación individualizada del Título de Familia Numerosa, teniendo, por lo tanto, la misma validez en todo el territorio nacional. Consumer Protection. While it doesn’t have a free plan, it offers a 14-day free trial. peretril. Zety is a resume builder that truly understands the importance of customization . Contacts. have used Ω values for aragonite (arag) as it is the form of CaCOΩ 3 deposited by corals and green algae. Estate planning documents including wills, trusts, powers of attorney and healthcare directive. BBB File Opened: 10/5/2000. Claim forms can be obtained by calling the ARAG Customer Care Center at 800-360-5567, Monday – Friday, 8 a. It is divided into two pieces so that it will print on the Replicator 5th generation printer bed (though I am sure it will work on others as well). Source: Wikipedia Product – The product class defines the type of the complex object that is to be generated by the builder pattern. Use Will Builder by ARAG® in TurboTax to: Create your own will and other important documents with state-specific templates developed by attorneys including:. Arag-Bravo-300-Manual-1. Other than use the benefits for drawing up my trust, they were useless. Gator Website Builder — $3. I paid a lot of money for literally nothing but more stress, your company is a scam and all peoples horrible negative reviews on here and everywhere else on the planet are true. Updated on July 6, 2023. How To Use The ARAG Legal Insurance Plan Page 40 . Insurance products are underwritten by ARAG Insurance Company of Des Moines, Iowa. Insurance products are underwritten by ARAG Insurance Company of Des Moines, Iowa. $368 is the average hourly rate for a U. If you’re filing your taxes with turbo tax and it says you have to pay to file, don’t do it. Since 2017, online estate-planning company Trust & Will has helped more than 200,000 customers plan their legacies since it was founded in San Diego by Cody Barbo writes Senior Contributor Micah. The ARAG Group employs almost 4,700 people worldwide. 7. Wix: Best for e-commerce stores. com or call Customer Care at 800-247-4184. Expired. (ARAG) is the Canadian market leader and managing general agent specializing exclusively in Legal Expense Insurance (LEI). 202. Anyone with a little patience and desire to learn can start creating games with its robust system of Nodons. They sent the builder a demand letter for the replacement, and with their guidance. Get. I saved $5k on my return two years in a row. You'll be able to carry out the will process in a step-by-step way at Trust & Will. SwHmest 111 Homes Fw Sale. Furthermore, ARAG insures about 20 million leisure and competitive athletes through ARAG Allgemeine Versicherungs-AG and is thus Germany’s largest sports insurer. We invite business partners to learn how we can work together to ensure your customers' legal risks are well managed! For Brokers. P. If you have a basic legal question or just want to see if a situations you’ve encountered may come with. Alex Gray. Depending upon a state's regulations, ARAG's legal insurance plan may be considered an insurance product or a service product. Traffic Troubles. m. As someone who has been a victim of identity theft, this is great to have for a peace of mind. Complete the Building Blocks award My God 1. My employer offers for something like $25/month a service called ARAG. See the Pen Angular Drag-Drop FormBuilder by Lam Phuoc Thinh. Builder can opt for, 1% GST for affordable housing and 5% GST for other residential project, without availing ITC. I have an S-Corp, a couple of rentals, and a few W-2 salaries in my family. like the examples shown below — and many more — to help you address life's legal situations. The shop will also take on occasional Viper, Ford modular and Hemi work, and the shop’s latest accomplishment is that it has been named Engine Builder’s 2020 America’s Best Engine Shop in the Race category. Arag-Bravo-300-Manual-1. ARAG is hiring an EDI analyst! This person will participate in implementation meetings with new clients and provide support for enrollment file testing and successful processing. 500 Terry Francois Street. qsc. ARAG has been a leader in legal insurance for more than 80 years. Due to possible changes by a state, it is a good idea to periodically review a. Soest, Utrecht, Netherlands. Insurance products are underwritten by ARAG Insurance Company of Des Moines, Iowa, GuideOne® Mutual Insurance Company of West Des Moines, Iowa or GuideOne Specialty Mutual Insurance Company of West Des. San Francisco, CA 94158. Each step is generally abstract as the actual functionality of the builder is carried out in the. We help you easily find local attorneys in ARAG’s network – many who average 20+ years of experience. TurboTax charges up to $129 for federal tax filing ($59 per state) for its highest “do-it-yourself tax” package. 2. The complexity of your situation If you’re thinking about creating a will, ask an experienced estate planning attorney for help. Retire with confidence. She also uses it for issues with her property management and speaks highly of the services covered. Use Will Builder by ARAG® in TurboTax to: Create your own will and other important documents with state-specific templates developed by attorneys including:. The warranty's maximum term is typically broken up into one-, two- and ten-year terms, based on the type of needed work. They make it easy to get your business online. Arag bad experience. The Bottom Line. Make unlimited customisations - Get fully custom apps. 61% of employees would recommend working at ARAG Group to a friend and 73% have a positive outlook for the business. Tell the responsible party about the problem and — assuming they don't agree to compensate you or fix the problem right away — ask if they would agree to go to mediation with you. Page 110 - OPOSOCIAL 25 - GUÍA DE RECURSOS PARA LAS FAMILIAS RE ARAG. The value-added resources provided through ARAG Services, LLC (ARAG ®) and iGrad, Inc. Generalizing is a process where the image is set up so it can be reused to create multiple VMs. For an $89 flat fee, LegalZoom allows users to create a customized, state-specific last will with a self-proving affidavit and 30 days to revise their documents. Legal stuff happens. You can use the PC building simulator offered by us to create your own PC virtually and even analyze the compatible pc parts before buying them, and. Why waste time when you can create a functional dashboard in a couple of clicks? Try for freeDepending upon a state's regulations, ARAG's legal insurance plan may be considered an insurance product or a service product. This usually cost $20-$40 elsewhere. She sent out some forms to me. Des Moines, IA 50309-9958. m. GUÍA DE RECURSOS PARA LAS FAMILIAS RE ARAGÓN habitual es el establecido en la Ley 35/2006, de 28 de noviembre, el Impuesto sobre la Renta de las Personas Física, en su redacción vigente a 31 de diciembre de 2012. Insurance products are underwritten by ARAG Insurance Company of Des Moines, Iowa. Use our website builder to add your own text and photos. Business development | Lean startup approach | UX Design & Research. Working with broker, insurer and mutual. The paperwork will ask for you to be officially acknowledged as the legal executor representing the estate. Heinrich Faßbender’s business idea is still close to our heart today: to make equal opportunity under the law a reality for everyone. Location. Cost: Free with seven-day trial. Whether you're a novice or an expert, we got you covered. Section II: The ARAG Legal Insurance Plan. ARAG Srl. ARAG legal helps you protect your rights and your identity. Fax: (515) 246-8816. " Use Will Builder by ARAG® in TurboTax to: Create your own will and other important documents with state-specific templates developed by attorneys including:. Due to possible changes by a state, it is a good idea to periodically review a template. Divorce. Apply today at CareerBuilder!and to enroll online, visit the ARAG Legal Center at and enter Access Code 10014ult. 12,032 likes · 29 talking about this · 181 were here. Otherwise the state will generally distribute your estate to your closest family members. Please tell us who you are. Choose the blocks. Sign In. 25 and its enhanced plan, which includes counseling on care giving needs, financial issues, and identity theft is $24. It need not be carried on landscape work. 1) Moline Builders. 7 %âãÏÓ 7126 0 obj >stream hÞÔZK‹ É þ+u´OSùˆ , ö c#Ö I·A , ëÕ"$cý{ Q Y£ì®¬r øàà ٙ ‘ _òQS OóT“LBhtJYÑÚ” mž§d. 1. TurboTax walks you through an in-depth, easily understood interview to help you prepare your tax return. The basic version is about the same price as last year's Deluxe. But yeah $17/month pretax seems like a no-brainer. I saved $5k on my return two years in a row. Builder Workbook | 5 Name: Date Started: Date Completed: Builder Checklist Basic Requirements 1. nl :ARAG Legal Insurance (ARAGlegal. Very bad experience being chased by ARAG: First of all they don´t specify what you're accused of.