Drizzy5001:
which other email address you want make I use? I used the Email address of the bank which is true.serve@fidelitybank.ng
Cc info@efccnigeria.org
Cc anticorruptionunit@cbn.gov.ng. I come send screenshots photograph join , only for the bank to tell me "we have received your complaint,and we will get back to you shortly" I wan mad that moment. next month will make it 1 year.

cpd@cbn.gov.ng is the right email.
Why not write them in CBN physical letter where you will have your acknowledged copy.
Narrative how it happened and include your email address, phone and resident address so they can contact you.
I'm assuring you that you will retrieve your money. If there is element of fraud, they will refer they case to efcc.

Drizzy5001:
I don't mind bro. U go collect 45k

Are you serious?
Hope you won't start ghosting me when you receive your alert.
Not difficult at all. I will tell you the process when you are ready.

allawizzow:

Are you serious?
Hope you won't start ghosting me when you receive your alert.
Not difficult at all. I will tell you the process when you are ready.

Bros , I dey damn ready, I promise u, your 50% once I see alert.

Maybe you should go and complain to CBN, they will surely act.

dammycree:
10th of November 2020 is a day I still felt As if I was dreaming, the unimaginable happened to me at exactly 8:01 pm.

So there I was seated in My lovely cushioned chair about to devour my already made semo with egusi soup when I heard an alert from my phone, my initial thoughts was that all this MTN people don come again with their unserious messages, so I got hold of it then realized it was from my bank sterlingbank.

I grinned a little thinking if it was a credit alert not until when I opened it and found out it was a debit alert, immediately the food became an hindrance to what my eyes just bekoned, I was all teary and sweaty!!!

32,000 naira was just debited from my akannnt..
abi I'm seeing vision ni? I kept asking my self so many rhetorical questions.

1. I checked my wallet immediately to be sure if I didn't lose my ATM card... it was there.

2. I'm always with my phone 24/7.

3. have never used that account with any online platform only ATM withdrawals and pos.

4. how on earth were they able to know the exact money I have in that account.

5 so how on earth was my money transferred to this individual called chrispin ilaye

6. this doesn't even sound like a name o

immediately I lodged a complaint to sterlingbank customer service on twitter, Facebook etc

I was later replied back at exactly 12;06pm

4 hours later, giving the beneficiary account enough time to withdraw my money, they later called asking for my account number which I gave them.

day 2 I went to the bank the following day, met the customer service they told me they already blocked my atm, bla bla gave me all sought bull shit, "we've sent a message bro the recipient bank so we await the reply" nothing else we could do!

note this word o recipient bank!

notice: they didn't reveal to me immediately that the beneficiary account was a sterlingbank account also, I later found out through the vigorous questions I asked the customer care

I was mad, angry, frustrated .

My money was transferred using one-pay as it shows on the debit alert which also corresponds with what I saw at the entrance of their door front, I was just vexed anyhow so it triggered me to Google it then I realized it was a sterlingbank platform for online payment and transfer I literally didn't know this before hand.

if my money was transferred through your medium which I don't use how is that possible?

She said they only need your ATM card?
but it was with me I responded in my wallet allthrough the day!

The pin at the front of your ATM card is all they need ! ...my atm card was with me oooooooo in side my wallet not possible at all I barked, I was losing it already so just started giving me attitude by attending to other customers, I flared up.

ok so do I have any chance of getting my money back ? I asked

we can't tell she said, the look of things the account as withdrawn the 32,000

but we've sent a message to the bank.

So I became more suspicious that led to questions I asked the customer care representative before revealing it to me that it was a sterlingbank account but the branch was in bayelsa, while I'm in Lagos so they can only notify the account owner about the said fund to be returned and wait till the account is funded, so they'll removed it .

I just don't know why the banking sector is doing nothing about cases like this clearly they are aiding and abetting fraudsters.
or even banks sef na scam I murmured dey fit don borrow my 32k like that com return am I thought.


days passed...

the thoughts of how my money was transferred without me giving out any otp, my ATM card, my phone, just scares me like who do I trust again in this country, how the hell is this possible without my details.

they kept saying they used my ATM card....I told them my ATM card was with me not possible.

then they switched to my phone, I told them I don't give anyone my phone like my phone is always with my 24/7.

days passed, I checked back

the money as been withdrawn from the account ooo don't let me lie to you one of the best customer care representative that attended to me nicely a guy said, infact the money left in that account is 143naira!

me: definitely he knew what he did now and he won't fund the account!

I kept on chatting with their customer care service on social media the same bullshit replies.

one month later still nothing
today makes it one month and eleven days.

my assertion to them today is that since we are both sterlingbank customers can't they take this to the police or effce to settle it ?

another customer care said they must protect there customers since this my case is an alleged case I won mad!...like are you kidding me ni??

protect fraudster ok ooo! I murmured

all we can do is notify the branch in bayelsa, call the beneficiary about the transaction to refund the money and wait. he said again

over a month now haba ...you people should fear God !!

if it was a million naira will you say this ni

if I was an influential person will you guys do this, so many people lost there money in this circumstance yet nothing is done.


I wanna know if I have any chance of getting my money refunded by sterlingbank plc


note the debit alert date says 11/11/2020
I asked why? they said the transfer sometimes bring the following day date bla bla bla.

I need this to get to the front page for greater insight !! gracias

I feel sorry for bro. Some of this financial institutions employee are thieves including the pension institutions. The pension company are the worst. These ones will delibrately sit on your money waiting for you to die. It happen to me with one pension company after waiting endlessly for my money, l threatened to go online with my story and also report them to PENCOMM and will also move my account to another pension Manager, can you believe the following day l got a credit alert from them. This is the money l have been begging them for 2 months to pay. So bro take the following step also. It may work for you . Good luck.

Drizzy5001:
Bros , I dey damn ready, I promise u, your 50% once I see alert.

How do we talk? I can't put my contacts here
Note: I was just joking with that part I mentioned 50/50 sharing ratio.
I can assist for free.
If you decide to gift me anything after it becomes successful, it is welcomed though.

allawizzow:

How do we talk? I can't put my contacts here
Note: I was just joking with that part I mentioned 50/50 sharing ratio.
I can assist for free.
If you decide to gift me anything after it becomes successful, it is welcomed though.

okay bro. I sent u a mail.

mrkings84:
Sorry bro for the loss.
This is a proof that every institution in Nigeria IS fraudulent.

NCDC - FRAUDULENT
NBA - FRAUDULENT
POLITICIANS - SUPER FRAUDULENT
ALL GOVERNMENT PARASTATALS - FRAUDULENT
BANKS - FRAUDULENT
CHURCHES - FRAUDULENT
MOSQUES - FRAUDULENT
POLICE - FRAUDULENT
ARMY - FRAUDULENT
NAVY - FRAUDULENT
AIRFORCE - FRAUDULENT
FRSC - FRAUDULENT
BUSINESS MEN - FRAUDULENT
CIVIL SERVANTS - FRAUDULENT
FARMERS - FRAUDULENT
EFCC- FRAUDULENT
ICPC - FRAUDULENT
IPOB - FRAUDULENT
AREWA - FRAUDULENT
IYC - FRAUDULENT
NDDC - FRAUDULENT
NFF - FRAUDULENT
NATIVE DCTORS - FRAUDULENT
MEDICAL DOCTORS - FRAUDULENT
ETC....


THAT I DIDN'T MENTION YOU OR YOUR INSTITUTION DO NOT MEAN U ARE NOT FRAUDULENT, THANKS!

tamdun:

And the money was even transferred to same sterling bank, the case should be very easy to solve

That transfer must have been an error from bank staff. A big time thief would not go for such little amount of money .

Have a similar ordeal, but mine is slightly different

It was on Thursday night (17th DEC 2020), we were listening to news together with my Dad and some of my siblings in his sitting room at around 10:30pm, when suddenly he heard a message bleep on his phone, he dint bother to check because he thought it was the normal MTN text message. it was after the 2nd bleep that he checked his phone, behold, he saw 1st alert debit of #10,221 and the 2nd one was around #40,520, we were all confused, 1st I tried to reach a friend who works with the Bank (Access Bank), if he could help with a code to block the account instantly, unfortunately he had slept off so he couldn't pick. then we all thought it wise we go to the Bank, because at that point he could do next to nothing his phone network had gone off and the phone seized functioning throughout that period.

When we got to the Bank, the Bank security and the Police on duty refused to open the gate. we stood outside for more than 20 minutes pleading that they open the gate. despite the fact they saw that we had problem! it was obvious, because we were all shouting, if not for the riffle I saw with the Police man, I had it in mind to jump fence, but to avoid stories that touch I calmed myself down. the plan was if we could not block the account at moment, we would at least witdraw the remaining balance in the account.

before the security could even open the gate they had already wiped over #150,000 from the account already, wallahi! I fought the Police man at that odd hour of the night, it was my dad and the other security man that even separated us. this said incidence happened at around 11:30pm at the Tunga branch of Access Bank, in Minna, at Niger State.

After narrating and also showing the security man the evidence of the alerts, he felt bad and sorry, then he advised that we come back the next day and explain to the Branch Manager.

on Friday when we got to the Branch, we saw the BM and explained to him what had happened, after checking their system we were told they purchased something from the account on line, then he asked that we go home that the Bank would contact the Company and it the items purchased have not been dispatched, they would ask the Company to Cancel the transaction and they would refund my dads Money to his account.

MY Question now is, if the item have ben dispatched does that mean that the Money is gone?
The Bank promised to get back to us Monday, that was yesterday and they haven't
Please advise us on the appropriate measures to take and how to go about it.

God bless you as I anticipate your advice.

temmytee2309:
My mum's 306,000 debited from her account since June is still pending.
We did all what we know, got a lawyer, reported at the police station and a Police prosecutor was assigned to us. Yet nothing came out of it, we've even spent more than we bargained for.


This country just tire person

That's terrible honestly. So sorry.

why will u be using this not good forsaken bank!!!

Bro the only thing you can do is to report them on social media. It has happened to a friend of mine, what we did was that we did a graphics and wrote the name of the bank as most useless bank of the year and tag them in the post. We also share it on all the social media. They repleied him after 30 mins and they told him to give them 24hrs. We dont know how they did it my friend just got alert the following day

King44:
I contacted them but no response

Forward a letter.

rhymesnoni:
Have a similar ordeal, but mine is slightly different

It was on Thursday night (17th DEC 2020), we were listening to news together with my Dad and some of my siblings in his sitting room at around 10:30pm, when suddenly he heard a message bleep on his phone, he dint bother to check because he thought it was the normal MTN text message. it was after the 2nd bleep that he checked his phone, behold, he saw 1st alert debit of #10,221 and the 2nd one was around #40,520, we were all confused, 1st I tried to reach a friend who works with the Bank (Access Bank), if he could help with a code to block the account instantly, unfortunately he had slept off so he couldn't pick. then we all thought it wise we go to the Bank, because at that point he could do next to nothing his phone network had gone off and the phone seized functioning throughout that period.

When we got to the Bank, the Bank security and the Police on duty refused to open the gate. we stood outside for more than 20 minutes pleading that they open the gate. despite the fact they saw that we had problem! it was obvious, because we were all shouting, if not for the riffle I saw with the Police man, I had it in mind to jump fence, but to avoid stories that touch I calmed myself down. the plan was if we could not block the account at moment, we would at least witdraw the remaining balance in the account.

before the security could even open the gate they had already wiped over #150,000 from the account already, wallahi! I fought the Police man at that odd hour of the night, it was my dad and the other security man that even separated us. this said incidence happened at around 11:30pm at the Tunga branch of Access Bank, in Minna, at Niger State.

After narrating and also showing the security man the evidence of the alerts, he felt bad and sorry, then he advised that we come back the next day and explain to the Branch Manager.

on Friday when we got to the Branch, we saw the BM and explained to him what had happened, after checking their system we were told they purchased something from the account on line, then he asked that we go home that the Bank would contact the Company and it the items purchased have not been dispatched, they would ask the Company to Cancel the transaction and they would refund my dads Money to his account.

MY Question now is, if the item have ben dispatched does that mean that the Money is gone?
The Bank promised to get back to us Monday, that was yesterday and they haven't
Please advise us on the appropriate measures to take and how to go about it.

God bless you as I anticipate your advice.

return to the bank u dnt need to wait for them otherwise they will not call you until u keep disturbing them

sokia:
return to the bank u dnt need to wait for them otherwise they will not call you until u keep disturbing them

Alright i would do that tomorrow. Thank you

Most POS points are frauds.
They place all manners of registered bla bla of first bank, and the likes.

with POS centers , its very easy to get peoples details.

Why on earth will Sterling Bank create an app that doesn't request for OTP.
Some banks shaa. esp. GTB. if my kid insist he or she will use GTB. I will just disown him or her.
Cos las las na me go suffer am when anything happens.

by 12 midnight in June 2013,I received the first debit alert of #98,000 naira for an online purchase,as I was pondering the alarming message I got yet another debit alert of #100,000 naira,I was shocked,very early next day I went to access bank regional office in enugu and lo and behold almost #200k was wiped off from my account,I tried every means possible to recover the money but nothing worked,I finally closed my account and moved on

temmytee2309:
My mum's 306,000 debited from her account since June is still pending.
We did all what we know, got a lawyer, reported at the police station and a Police prosecutor was assigned to us. Yet nothing came out of it, we've even spent more than we bargained for.


This country just tire person

Now I'm scared with the little I have in my account.

okoroemeka:
by 12 midnight in June 2013,I received the first debit alert of #98,000 naira for an online purchase,as I was pondering the alarming message I got yet another debit alert of #100,000 naira,I was shocked,very early next day I went to access bank regional office in enugu and lo and behold almost #200k was wiped off from my account,I tried every means possible to recover the money but nothing worked,I finally closed my account and moved on

What? This give me fiver.

POS printout has most of the information fraudsters need, most of your card details, name, expire date... all they need is to memorise the middle digits and the 3 behind

f

rtdCivilservant:

The criminal must have collected ur atm details at one of the places u used ur card on their pos, this is one major risk in pos transactions. Whenever u use ur card on a pos, don't let them get hold of ur card too much or if possible handle ur card ursef. The idiot either transferred ur money to someone in Bayelsa or to his own account, he doesn't necessarily has to be in Bayelsa, perhaps he opened the account in Bayelsa and resides now in same state as u.
Major suspects: All the people u have used ur card on their pos.

If the account is restricted, it simply means there are documents u haven't provided to make it fully active, you'd be able to deposit but can't withdraw/take money from the account.. No one here can help you do that.
Instead visit any closest branch with both a valid ID and utility bill, once the restriction is lifted, fill a transfer form and move all the money sharp sharp

LostMyZeal:
Please...I have up to 200k in my restricted FCMB account
The customer care has been acting up since

Abeg who can help me clear the money from that account

I don't have ATM to the account tho

Any help will be appreciated.... thanks

yomi007k:
1. Email the bank of the fraudster.
Cc info@efccnigeria.orgdetai
Cc anticorruptionunit@cbn.gov.ng.

2. Attach evidence of the frauld.

Efc

this is painful, bro take heart, this has thought me some lesson

bluefilm:


My happiness right now is that this nonsense can never with a GTBank account all thanks to the GTBank Hardware Token which has proven over the years to be a masterclass.

token is token, both hardware and software. All dey need is your debit instruction. Just avoid using dis scam POS point littered everywhr.

My advise to people..., always have 2 accounts. An atm enabled account, and the other without atm. Anytime u need money, just transfer what you need to the atm account and withdraw.

franciskaine:
token is token, both hardware and software. All dey need is your debit instruction. Just avoid using dis scam POS point littered everywhr.

My advise to people..., always have 2 accounts. An atm enabled account, and the other without atm. Anytime u need money, just transfer what you need to the atm account and withdraw.

What tha_fuck is Debit instruction please?

bluefilm:


What tha_fuck is Debit instruction please?

otp

dammycree:
10th of November 2020 is a day I still felt As if I was dreaming, the unimaginable happened to me at exactly 8:01 pm.

So there I was seated in My lovely cushioned chair about to devour my already made semo with egusi soup when I heard an alert from my phone, my initial thoughts was that all this MTN people don come again with their unserious messages, so I got hold of it then realized it was from my bank sterlingbank.

I grinned a little thinking if it was a credit alert not until when I opened it and found out it was a debit alert, immediately the food became an hindrance to what my eyes just bekoned, I was all teary and sweaty!!!

32,000 naira was just debited from my akannnt..
abi I'm seeing vision ni? I kept asking my self so many rhetorical questions.

1. I checked my wallet immediately to be sure if I didn't lose my ATM card... it was there.

2. I'm always with my phone 24/7.

3. have never used that account with any online platform only ATM withdrawals and pos.

4. how on earth were they able to know the exact money I have in that account.

5 so how on earth was my money transferred to this individual called chrispin ilaye

6. this doesn't even sound like a name o

immediately I lodged a complaint to sterlingbank customer service on twitter, Facebook etc

I was later replied back at exactly 12;06pm

4 hours later, giving the beneficiary account enough time to withdraw my money, they later called asking for my account number which I gave them.

day 2 I went to the bank the following day, met the customer service they told me they already blocked my atm, bla bla gave me all sought bull shit, "we've sent a message bro the recipient bank so we await the reply" nothing else we could do!

note this word o recipient bank!

notice: they didn't reveal to me immediately that the beneficiary account was a sterlingbank account also, I later found out through the vigorous questions I asked the customer care

I was mad, angry, frustrated .

My money was transferred using one-pay as it shows on the debit alert which also corresponds with what I saw at the entrance of their door front, I was just vexed anyhow so it triggered me to Google it then I realized it was a sterlingbank platform for online payment and transfer I literally didn't know this before hand.

if my money was transferred through your medium which I don't use how is that possible?

She said they only need your ATM card?
but it was with me I responded in my wallet allthrough the day!

The pin at the front of your ATM card is all they need ! ...my atm card was with me oooooooo in side my wallet not possible at all I barked, I was losing it already so just started giving me attitude by attending to other customers, I flared up.

ok so do I have any chance of getting my money back ? I asked

we can't tell she said, the look of things the account as withdrawn the 32,000

but we've sent a message to the bank.

So I became more suspicious that led to questions I asked the customer care representative before revealing it to me that it was a sterlingbank account but the branch was in bayelsa, while I'm in Lagos so they can only notify the account owner about the said fund to be returned and wait till the account is funded, so they'll removed it .

I just don't know why the banking sector is doing nothing about cases like this clearly they are aiding and abetting fraudsters.
or even banks sef na scam I murmured dey fit don borrow my 32k like that com return am I thought.


days passed...

the thoughts of how my money was transferred without me giving out any otp, my ATM card, my phone, just scares me like who do I trust again in this country, how the hell is this possible without my details.

they kept saying they used my ATM card....I told them my ATM card was with me not possible.

then they switched to my phone, I told them I don't give anyone my phone like my phone is always with my 24/7.

days passed, I checked back

the money as been withdrawn from the account ooo don't let me lie to you one of the best customer care representative that attended to me nicely a guy said, infact the money left in that account is 143naira!

me: definitely he knew what he did now and he won't fund the account!

I kept on chatting with their customer care service on social media the same bullshit replies.

one month later still nothing
today makes it one month and eleven days.

my assertion to them today is that since we are both sterlingbank customers can't they take this to the police or effce to settle it ?

another customer care said they must protect there customers since this my case is an alleged case I won mad!...like are you kidding me ni??

protect fraudster ok ooo! I murmured

all we can do is notify the branch in bayelsa, call the beneficiary about the transaction to refund the money and wait. he said again

over a month now haba ...you people should fear God !!

if it was a million naira will you say this ni

if I was an influential person will you guys do this, so many people lost there money in this circumstance yet nothing is done.


I wanna know if I have any chance of getting my money refunded by sterlingbank plc


note the debit alert date says 11/11/2020
I asked why? they said the transfer sometimes bring the following day date bla bla bla.

I need this to get to the front page for greater insight !! gracias

all this banks and their nonsense, my cousin is having same problem with UBA his own is about 3.5 million and the bank has nothing to say about it. Personally i suspect the bank has a hand in all this.

dammycree:
10th of November 2020 is a day I still felt As if I was dreaming, the unimaginable happened to me at exactly 8:01 pm.

So there I was seated in My lovely cushioned chair about to devour my already made semo with egusi soup when I heard an alert from my phone, my initial thoughts was that all this MTN people don come again with their unserious messages, so I got hold of it then realized it was from my bank sterlingbank.

I grinned a little thinking if it was a credit alert not until when I opened it and found out it was a debit alert, immediately the food became an hindrance to what my eyes just bekoned, I was all teary and sweaty!!!

32,000 naira was just debited from my akannnt..
abi I'm seeing vision ni? I kept asking my self so many rhetorical questions.

1. I checked my wallet immediately to be sure if I didn't lose my ATM card... it was there.

2. I'm always with my phone 24/7.

3. have never used that account with any online platform only ATM withdrawals and pos.

4. how on earth were they able to know the exact money I have in that account.

5 so how on earth was my money transferred to this individual called chrispin ilaye

6. this doesn't even sound like a name o

immediately I lodged a complaint to sterlingbank customer service on twitter, Facebook etc

I was later replied back at exactly 12;06pm

4 hours later, giving the beneficiary account enough time to withdraw my money, they later called asking for my account number which I gave them.

day 2 I went to the bank the following day, met the customer service they told me they already blocked my atm, bla bla gave me all sought bull shit, "we've sent a message bro the recipient bank so we await the reply" nothing else we could do!

note this word o recipient bank!

notice: they didn't reveal to me immediately that the beneficiary account was a sterlingbank account also, I later found out through the vigorous questions I asked the customer care

I was mad, angry, frustrated .

My money was transferred using one-pay as it shows on the debit alert which also corresponds with what I saw at the entrance of their door front, I was just vexed anyhow so it triggered me to Google it then I realized it was a sterlingbank platform for online payment and transfer I literally didn't know this before hand.

if my money was transferred through your medium which I don't use how is that possible?

She said they only need your ATM card?
but it was with me I responded in my wallet allthrough the day!

The pin at the front of your ATM card is all they need ! ...my atm card was with me oooooooo in side my wallet not possible at all I barked, I was losing it already so just started giving me attitude by attending to other customers, I flared up.

ok so do I have any chance of getting my money back ? I asked

we can't tell she said, the look of things the account as withdrawn the 32,000

but we've sent a message to the bank.

So I became more suspicious that led to questions I asked the customer care representative before revealing it to me that it was a sterlingbank account but the branch was in bayelsa, while I'm in Lagos so they can only notify the account owner about the said fund to be returned and wait till the account is funded, so they'll removed it .

I just don't know why the banking sector is doing nothing about cases like this clearly they are aiding and abetting fraudsters.
or even banks sef na scam I murmured dey fit don borrow my 32k like that com return am I thought.


days passed...

the thoughts of how my money was transferred without me giving out any otp, my ATM card, my phone, just scares me like who do I trust again in this country, how the hell is this possible without my details.

they kept saying they used my ATM card....I told them my ATM card was with me not possible.

then they switched to my phone, I told them I don't give anyone my phone like my phone is always with my 24/7.

days passed, I checked back

the money as been withdrawn from the account ooo don't let me lie to you one of the best customer care representative that attended to me nicely a guy said, infact the money left in that account is 143naira!

me: definitely he knew what he did now and he won't fund the account!

I kept on chatting with their customer care service on social media the same bullshit replies.

one month later still nothing
today makes it one month and eleven days.

my assertion to them today is that since we are both sterlingbank customers can't they take this to the police or effce to settle it ?

another customer care said they must protect there customers since this my case is an alleged case I won mad!...like are you kidding me ni??

protect fraudster ok ooo! I murmured

all we can do is notify the branch in bayelsa, call the beneficiary about the transaction to refund the money and wait. he said again

over a month now haba ...you people should fear God !!

if it was a million naira will you say this ni

if I was an influential person will you guys do this, so many people lost there money in this circumstance yet nothing is done.


I wanna know if I have any chance of getting my money refunded by sterlingbank plc


note the debit alert date says 11/11/2020
I asked why? they said the transfer sometimes bring the following day date bla bla bla.

I need this to get to the front page for greater insight !! gracias

Same way I lost 29k in my Access bank account. The same story is what access people gave me, till today I never see my money

Theben:


Oga, you indirectly gave out your card number and pin to the fraudster the very day you chose to use POS from unknown store.

Next time, be mindful of where you insert your card. Nigerian fraudsters no longer dupe Oyinbos. They have obviously run out of idea to defraud the whites. They are back home doing what you all encouraged them to do back then. the victims are now us Nigerians. pele

I doubt that cuz for every pos withdrawal I do it my self.

the day I saw the debit my atm was with me...and I didn't see any otp on my phone

how on earth should sterling bank grant any transaction without otp if at all they know my details??

atiku07:
sorry to say sterling bank staff are culpable in this fraud it was an inside job and they knew.

inside job indeed. Wetin you know about bank? The POS point he used did this.