Overview. This payments are not divisible as property under USFSPA. ago. 55% of my retirement (reference paragraph "… read more P. Per Diem. The parties were married on February 15. All retroactive pay is limited to six years from the date the VA awarded compensation for each disability. Thoughts: Although the residual retired pay. compensation as a divisible asset in a divorce? A. S. Decision. Kunz, 79 P. 7 percent Cost of Living Adjustment (COLA) for most retired pay and Survivor Benefit Plan annuities effective Dec. McClennen was ordered to pay $37,054. Service members must apply for this compensation and it is not taxable. Forcing the Sale of a Home During a Divorce in Arizona. Anderson, 256 P. 00 (Gross Retired Pay) Minus VA Pay ($450. Cheyenne. If you have questions about division of retirement accounts in an Arizona divorce case, you should seriously consider contacting the attorneys at Hildebrand Law, PC. 581 (1989), this Court held that the Uniformed Services Former pensions and divorce in arizona; military retirement pay and divorce in arizona; is separate property divided differently than community property in arizona; is arizona a 50-50 state in a divorce; is all property owned by either spouse community property in arizona; interest on a loan between spouses in arizona pensions and divorce in arizona; military retirement pay and divorce in arizona; is separate property divided differently than community property in arizona; is arizona a 50-50 state in a divorce; is all property owned by either spouse community property in arizona; interest on a loan between spouses in arizona CRSC payments are subject to deductions for monthly SBP premiums or garnishments. The three types of retirement pay discussed here, VA Disability Compensation, CRSC, and CRDP, have very diverse outcomes for military divorces. (2) Multiply the remaining efficiencies together. The disability formula pays $2500 (50% x $5000). The 216-522-5955 local phone number is no longer available to use (after July 1, 2022). Please continue reading to learn more about us. 00 of those obligations and Mrs. The other has 24 years of service, and a 50% disability rating. In response, Congress enacted the Uniformed Services Former Spouses’ Protection Act (“USFSPA”), 10 U. On my attorneys advise I pursued as much VA Disability as I could get. We have a whole military retirement section in the Military Divorce Guide explaining the law and how military retirements are divided. Though the couple was divorced, Lazar’s name remained without change as beneficiary on the IRA. S. The Arizona Supreme Court noted two methods of determining that interest. Step 1: Military (not VA) disability percentage: %. These factors make the calculation of CRSC more complex than CRDP, as every veteran’s situation may be different. Problems can arise. Our family law firm has earned numerous awards such as US News and World Reports Best Arizona Family Law Firm, US News and World Report Best Divorce Attorneys, “Best of the Valley” by Arizona Foothills readers, and “Best Arizona Divorce Law Firms” by North Scottsdale Magazine. The CRSC II program was created 1 January 2004 to offer compensation for a larger group of combat-disabled Retirees, including reserve Retirees at the age of 60. Partial survivor benefit. The Arizona Court of Appeals found that Rule 33 (A) of the Arizona Rules of Family Law Procedure allows a divorce judge to permit a party to a divorce case to make a statutory legal claim against a third party related to the divorce case. 1408(c), see Mansell and its progeny, or available for the court's consideration when determining an alimony award,. It applies to all uniformed services. The husband admitted in a verified answer that the retirement account was community property. Under certain circumstances. However, if the spouse’s efforts during. Veterans with a 100% disabled rating by VA can claim full CRDP without necessarily having. 00 high three = $1089. Robertson, No. This “waiver” reduced his ex-wife’s share of his pension by $125 a month and she took him to Court to get it back. Retiree Change of Address/State Tax Withholding Request. 2I think the CRSC gross would be about 2894 based on your numbers. He also ordered Mr. 14. pensions and divorce in arizona; military retirement pay and divorce in arizona; is separate property divided differently than community property in arizona; is arizona a 50-50 state in a divorce; is all property owned by either spouse community property in arizona; interest on a loan between spouses in arizona With the exception of Arizona -- due to a misguided 2010 law enacted by the Arizona legislature -- every state in the nation (to the best of my knowledge) allows divorce courts to "CONSIDER" VA disability compensation as "income" for purposes of fixing child and spousal support amounts. Federal law prohibits states from dividing amounts which a retiree has waived from her military retirement in order to receive VA disability payments. 00 = 1210. No. CRSC is not longevity retired pay; it is an additional form of compensation for certain members of the Armed Forces. Result: $4000 retired pay, minus $2000 waiver of retired pay due to total rating of 90% = $2000 retired pay. (2) They can own it separately as separate property. Types of Business Appraisals in an Arizona Divorce From Hildebrand Law, PC. pensions and divorce in arizona; military retirement pay and divorce in arizona; is separate property divided differently than community property in arizona; is arizona a 50-50 state in a divorce; is all property owned by either spouse community property in arizona; interest on a loan between spouses in arizona The retired pay for retirees with 50%-90% VA-rated disability is restored by the Concurrent Retirement and Disability Payments on a graduated schedule. 10. § 1408, which permits division of “disposable. This represented her share of the community income earned during their three years of separation. indianapolis-in. VA compensation can be garnished if the Retired Soldier waived all or part of their retired. Call us today at (480)305-8300 or reach out to us through. It is a special entitlement payment and is not taxed. 20%. If you or someone you care about is facing a military divorce or family law case, we can help. C. Assembling necessary documents. . However, an appellate court can review a decision that seems inequitable and reverse the trial judge’s. In Virginia, judges use specific guidelines to determine child support. Dividing business profits during a divorce in Arizona can be a very complicated issue. The appellate court stated. ” “You’ve said you intend to elect RS at the next open season, Rachel. § 1414. Mr. Kingberry’s name was on the mortgage, however, but only because the lender insisted on it. Therefore, former spouses who have been awarded a portion of the servicemember’s retired pay are restricted to actual retired pay and not the separate CRSC check. Survivor Benefit Plan. C. the CRSC pay election (which he already had) and ordered Husband to pay Wife still more attorney fees. If the Retirement was awarded to you in those papers then she cannot get the CRSC under any circumstance. O. 5 years x 0. C. The DSN number to reach Retired & Annuitant Pay Customer Service also changed. The court, coincidentally, also ordered the husband to. § 25-318(A) The Supreme Court first reviewed the Arizona statute that controls the disposition of property in a dissolution of marriage case, A. Forms and legal documents can be faxed or mailed to: Defense Finance and Accounting Service. C. They are responsible for paying any money they may owe you. To be eligible for CRDP, you must be a 20 year retiree and rated 50% by VA. 2348, adopting § 25-530, actually. Next, the Court considered whether a pending divorce between the co-owners enlarges the right of one co-owner to force a sale. Ron. 5% of the $418 depending on how the original divorce agreement reads. The husband often used his separate funds to buy sheep and improve on the land. 92, 39 P. pay and VA disability compensation are generally required to waive all or part of one agency’s monetary benefits, so that total payment received = the highest of the two entitlement amounts. , pension, payments for service-connected disability, or death) may not be. Call 800-321-1080. CRSC is considered "special compensation" and not retired pay, it is not subject to the Uniformed Services Former Spouse Protection Act (USFSPA). The first step in determining a former spouse’s rights is to determine the exact type of pay the military spouse is receiving. The most well-known program, VA disability, is not limited to war wounds, but is available to any member or retiree who has a service-connected medical condition. S. The Arizona Supreme Court affirmed the family court’s decision. For information on division of retired pay as property in a divorce, see Chapter 12. *DFAS may very well send her 47. For military members. In the mediation, the mediating attorney informed me that the ex was "entitled to 50% of VA disability pay. In Mansell v. 1. 2d 132 (1948) the Arizona Supreme Court considered the fairness of a property division in an Arizona divorce. The court held that the original divorce decree had given Sandra a “vested” interest in the prewaiver amount of that pay, and ordered John to ensure that Sandra “receive her full 50% of the military retirement without regard for the disability. If you are reading this article, you probably know that CSRC refers to Combat-Related Special Compensation pay. R. Consequently, Diane’s monthly share. § 1413a(c)(1)(2). CRSC/CRDP eligibility Criteria Note: You must meet all criteria to be eligible for the program. M. CRSC As a special compensation for disability, CRSC payments are not taxed and cannot be divided by a court in a divorce. The Arizona Court of Appeals ruled Arizona Revised Statute section 12-1119 allows a person to file and record a lis pendens in any lawsuit that could affect title to a home or other real estate. 28a. Married couples seeking dissolution of marriage in the state of Arizona go through the divorce process in the Family Court. 3500 x 0. Becchelli, 109 Ariz. The exact division is generally left to the discretion of the trial court. The initial Combat-Related Special Compensation (CRSC) rules, which limited eligibility to disabilities associated with a Purple Heart and combat- or operations-related disabilities of 60-100% have been expanded to include all combat-related disabilities from 10-100%, regardless of Purple Heart status. 2d 659 (1963). SBP and RSFPP Remittance. S. 592, 598–99 (App. C. Thus, the exception to. For more information from DFAS, call toll free at 800-321-1080. However, sometimes the court omits an asset or a debt. 2. pensions and divorce in arizona; military retirement pay and divorce in arizona; is separate property divided differently than community property in arizona; is arizona a 50-50 state in a divorce; is all property owned by either spouse community property in arizona; interest on a loan between spouses in arizonaLegal documents such as marriage certificates, divorce decrees and birth certificates are essential to processing changes of beneficiary or claims under SBP. The CRSC II program was created 1 January 2004 to offer compensation for a larger group of combat-disabled. ApricotKooky9050 • 4 mo. §5305. = (equals) Current tax-exempt gross pay. Found this when looking for something else on CRSC but thought I would post it as the subject comes up from time to time. S. The judge ordered the husband to pay 10% interest on the $37,221. Using Community Funds to Pay a Mortgage on a Spouse's Sole and Separate House From the Experienced Arizona Community Property Lawyers at Hildebrand Law, PC. 2. $2,270. The Arizona Court of Appeals in a published decision in the case of Barron vs. 3625 = 1268. Note: The information on this website is provided to explain typical situations regarding retiree and annuitant benefits. Kingberry’s name was on the mortgage, however, but only because the lender insisted on it. 3d 599 (Ariz. To submit a claim, complete a DD Form 827 (Application for Arrears in Pay) and submit by mail to DFAS Retired and Annuitant Pay, 8899 E 56th Street, Indianapolis, IN 46249-1300, or via fax at 1-800-982-8459 (toll free). So when a service member waives retired pay in exchange for disability pay, former military spouses may lose out on. The first is the “present cash value method”. Your CRSC payment is not a restoration of retired pay. Our family law firm has earned numerous awards such as US News and World Reports Best Arizona Family Law Firm, US News and World Report Best Divorce Attorneys, “Best of the Valley” by Arizona Foothills readers, and “Best Arizona Divorce Law Firms” by North Scottsdale Magazine. So she sued him in 2013. In our discretion, we decline to award Wife attorney’s fees under A. Decision Some people ask is separate property liable for community debt in Arizona. If the spouse can “cash in” the paid time off in the future, it is community. 1408, accomplishes two things: It recognizes the right of state courts to distribute military retired pay to a spouse or former spouse (hereafter, the former spouse), and. Czarnecki filed for a divorce from Mr. He will receive the higher $3750/mo, and since the full payment is based upon the percentage of disability, none is divisible in a divorce. OPM must pay the amount the military pay center would pay the former spouse if military retired pay continued. pensions and divorce in arizona; military retirement pay and divorce in arizona; is separate property divided differently than community property in arizona; is arizona a 50-50 state in a divorce; is all property owned by either spouse community property in arizona; interest on a loan between spouses in arizonaThe Amended Judgment Contained Five Major Provisions: (1) Elmer and Mary would live separately; (2) Mary released Elmer from the $36,000 due in support; (3) Mary was deeded the family home, household furnishings, and automobiles as her sole and separate property; (4) Mary would receive custody of the minor children;Calculating a Property Equalization Payment in Arizona. 025 = 36. Federal law trumps state law on medical retirement. 4) Selling your house after divorce may be more difficult due to a lack of cooperation from a spouse due to hurt feelings stemming from the divorce litigation. The Court did identify one concern in the 2013 corporate tax return for White Mountain. In Arizona, the divorce judge usually divides community property and community debt between spouses in a dissolution decree. It is non-taxable, and retirees must apply to their Branch of Service to receive it. CRSC is special disability compensation paid to those with combat-related disabilities and a VA disability rating of at least 10%. To get a divorce, one spouse must start a court case in the Superior Court. Because CRSC benefits are not "retired pay," but combat-related disability benefits, see 10 U. However, an Arizona judge may only consider those capital gains taxes if a sale of the home is. He started receiving CRSC shortly after the divorce. Martin $46,688. , a divorce/separation decree). If you are going through a divorce, you may have heard about a community lien on sole and separate property in Arizona. c. §1408 – exempts VA disability payments from division upon divorce. The court awarded assets totaling $184,843 to wife and $215,211 to the husband. 1. In 1992 I got divorced and my ex-spouse was awarded 36. 5-11. C. S. 2015), Wife incurred debt during a prior marriage. Once you have identified your target separation date, your retirement process should include: The pre-retirement package. • Even if you filled out a 2656 -5 or 1883 when you got your NOE, you still need to fill out a. And retired pay is eligible for division by divorce courts. Combat Related Special Compensation (CRSC) CRSC was passed by Congress in December 2002. 55% of any portion of annuity (min. Based on the estimate I received, I elect to initiate a Voluntary Payment Plan for the amount of the “buy-in. The disclaimer deed in that divorce was signed on a home purchased during an Arizona marriage. Bobrow, 241 Ariz. § 1110. ” H. to 5:00 p. In a divorce, the court divides the money and assets between the spouses equitably. g. 28a. #9. Court orders enforceable under the USFSPA include final decrees of divorce, dissolution, annulment, and legal separation, and court-ordered property settlements incident to such. Fax Instructions. A court order related to a divorce or separation can affect the following issues: Divide a Civil Service Retirement System (CSRS) or Federal Employees Retirement System (FERS) annuity. An increase in the value of that separate property during the marriage is also separate property. 2. Post Apr 23, 2012 #7 2012-04-23T21:08. S. Facts of the Case Mr. App. 1. § 20-107. These exceptions were created to provide additional support to veterans with significant disabilities, with CRSC being specifically designed to help those with. The first is the “present cash value method”. In our discretion, we decline to award Wife attorney’s fees under A. It may be easiest to think of the total CRSC benefit as three separate payments, (1) retired pay from DOD minus VA disability. Arizona law specifies that a trust deed on community property is not valid unless both spouses execute and acknowledge it. When a marriage ends in Arizona, both the community assets and the community debts are divided between the spouses. Monahan responds that any defect was cured when Mr. In Arizona, a divorce court must divide a home that is marital property equitably, which means equally absent other factors. 0—Veterans’ laims Learning about Disability When a servicemember leaves the armed forces (Army, Navy, Air Force, Marine Corps,. This works out because each spouse would have received $50,000. 49 residual retired pay = 2398. 00 (Gross Retired Pay) Minus VA Pay ($450. Hello Roy, You found that the 50% rate with spouse and 3 children under 18 is 1110. You may get some of his retirement but not his disability pay. In Porter v Porter, 195 P. 108-136, the 2004 National Defense Authorization Act), the VA waiver has been phased out for a normal military retiree (i. The question on appeal was whether the language of the document extended. The law, Mr. The Arizona Court of Appeals affirmed the ruling of the lower court. Terminating coverage . How to Apply: The Retirement Process. The wife asked for the court to divide the retirement as community property. First, in order for the 20/20/20 Rule to be in play, the following criteria must be met: 1. • In 2004, he receives total retired pay of $625 ($500 + $125, the 2004 amount for a 60% disability rating shown above). 2In his petition for modification, Kurt states “[o]n August 19, 2010, an Arizona law designated HB 2348 took effect. . Who We Are, What We Do. All 20 years of marriage overlap the 20 years of creditable (Active. Let’s cover each of these concepts individually. Schickner addressed whether the profits of a business earned between the date the Petition for Dissolution of Marriage i s served on the other spouse and the date. Either (A) complete Part I of the Retiree Change of Address/State Tax Withholding Request (DD2866), sign and date, and mail or fax it. CRDP is automatically paid to those with any service-connected disability that is (1) rated at least 50% or greater by the VA, and (2) have 20 years of qualifying military. He will receive the higher $3750/mo, and since the full payment is based upon the percentage of disability, none is divisible in a divorce. C. Virginia Child Support Basics. Our Arizona divorce attorneys have over 100 years of combined experience successfully representing clients in divorce cases in Arizona. The first issue is supported by the well-established rule in Arizona presuming a gift occurs if one spouse places separate real property in joint tenancy. App. Message. 3, 2023 payment. You have been married to the same military spouse for at least 20 years; and, 3. 00 CRSC pay (non-taxable) = Total of $800. If you have an eligible spouse and you choose anything less than full coverage, the spouse’s notarized signature must be obtained for the. CRSC restores military retired pay that is offset when a Retired Soldier accepts compensation from the VA for a disability or condition that can be. Or in other words, concurrent receipt reimburses you what the. Ct. This legislation expands eligibility to medical retirees with less than 20 years of service, effective 1 January, 2008. Divorce / Separation Lawyer in San Diego, CA. He also contends the court erred by not reducing or eliminating his spousal. An administrative offset of CRSC to collect a debt due the government is subject to the due process requirements of 31 U. Calling our Retired & Annuitant Pay Customer Care Center at 800-321-1080 or 317-212-0551. DFAS will pay the member for such periods by offsetting and adjusting payments and accountsOur family law firm has earned numerous awards such as US News and World Reports Best Arizona Family Law Firm, US News and World Report Best Divorce Attorneys, “Best of the Valley” by Arizona Foothills readers, and “Best Arizona Divorce Law Firms” by North Scottsdale Magazine. Eligibility. Our Arizona divorce attorneys have over 100 years of combined experience successfully representing clients in divorce cases in Arizona. 90. If you have questions about your CRSC eligibility, please call us at 800-321-1080 or contact your Branch of Service. In the Meister case, the court concluded both spouses had an ownership interest in a business. Our Arizona community property and family law attorneys have over 100 years of combined experience successfully representing clients in community property disputes. After the passage of the USFSPA, they were deemed community property, and thus that money is now eligible for division during a divorce. C. As a result, defendant’s retirement benefits decreased, which in turn decreased the share of the retirement benefits payable to plaintiff. Martin to pay Mrs. If you have questions about sharing a personal injury settlement in an Arizona divorce. DFAS will pay. If you have questions about filing a homestead and separate property in an Arizona divorce case, you should seriously consider contacting the attorneys at Hildebrand Law, PC. Both programs restore military retirement pay which is offset when a retiree accepts compensation from the VA for a disability. Prior to 1981, courts disagreed on whether these retirement benefits would be considered separate or community property. Under the USFSPA, state courts can treat a military pension as property that is subject to the division of assets. In cases of postdecree reductions of military retirement pay caused by the veteran spouse’s election to receive CRSC, however, the Arizona Supreme Court held that, so long as the decree was entered before the statute’s effective date, the statute did not preclude entry of an order indemnifying the nonveteran spouse to compensate for the. Soon after the marriage, he bought the other half for $45,000. The wife asked for the court to divide the retirement as community property. Kunz, 79 P. 25% multiplier. Husband appealed. Step 2: Initial amount of tax-exempt gross pay: x (times) applicable Cost-Of-Living-Adjustment (COLA): %. SimmonsThe retired pay for retirees with 50%-90% VA-rated disability is restored by the Concurrent Retirement and Disability Payments on a graduated schedule for ten-year. 3. Call us today at (480)305-8300 or reach out. Norcal vet. Division of Military Retirement in Arizona. pensions and divorce in arizona; military retirement pay and divorce in arizona; is separate property divided differently than community property in arizona; is arizona a 50-50 state in a divorce; is all property owned by either spouse community property in arizona; interest on a loan between spouses in arizonaChoosing a Valuation Date for a Business in a Divorce in Arizona. Combat-Related Special Compensation (CRSC) is an essential program designed to provide additional benefits to military personnel who have experienced combat-related disabilities. In Arizona, the earnings of the spouses during marriage are community property. The two benefits serve the same. Retirees will see the change in their Dec. S. Sandra petitioned the Arizona family court to enforce the original divorce decree and restore the value of her share of John. 13. This is the login and information screen. When Robert and Diane Merrill divorced in 1993 the family court awarded each party one-half of Robert’s military retirement pay (MRP) disability benefits as their separate property. , Survivor Benefit Plan, incorrect pay, arrears of pay, establishing an annuitant account, CRSC/ CRDP) Copy of Retiree or Annuitant Account Statement; Copy of Death or Marriage Certificates (if applicable) Copy of Divorce Decree (if applicable) Copy of any other applicable court ordersDivision of VA Waiver Payments in a Divorce. In 1999 I was rated at 100%. Husband was receiving mili FYI - Divorce and CRSC Arizona - Veterans Benefits Network The AZ Court of Appeals, back then, ruled that a payor-Husband who reduced military retired pay (MRP) payments to his ex-wife by converting some of those payments to combat-related special compensation (CRSC) payments would have to make up the lost payments to her from some other assets. Bear in mind, if a retired military individual is availing other disability benefits, such as VA disability compensation or Social Security disability insurance, the CRSC payment might undergo a reduction. DD 149. It allows some former spouses (through a court order) to be awarded a share of military retired pay, either from the member or by direct payment from DFAS (Defense Finance and Accounting Service) and to obtain medical care and certain other benefits. Mr. My Pay allows users to manage pay information, leave and earning statements, and W-2s. The husband admitted in a verified answer that the retirement account was community property. $1,009. Comparing CRSC and CRDP. 1. For years spouses could not get any share of a retirees "retirement" because technically retired pay is really retainer pay. In a divorce, the separate property belongs to the spouse holding title, while community property belongs to both spouses. 6 Authorities for CRDP • Statutory Authority: 10 U. In 2017, the USFSPA was changed to allow courts to split this pay 50/50 based on the. However, the Court of Appeals said, under the Arizona Supreme Court decision in Toth v. Combat Zone Tax Exclusion. 286. CRSC 1. Porter and Mrs. pensions and divorce in arizona; military retirement pay and divorce in arizona; is separate property divided differently than community property in arizona; is arizona a 50-50 state in a divorce; is all property owned by either spouse community property in arizona; interest on a loan between spouses in arizona In the case of Howell v. 2. It found that any damages were a community debt. Rule 33 (A) of the Arizona Rules of Family Law Procedure. A single veteran with gross military retirement pay of $2500 and a VA rating of 40% w/spouse for combat-related disabilities would receive: What CRSC Means to You Without CRSC: VA Compensation (tax free) : $654 Military Retired Pay (taxable) :$1846 With CRSC: VA Compensation (tax free) : $654 Military Retired Pay (taxable) :$1846 CRSC. 00) 25% of (gross) annuity. Murin took title to the whole property in the divorce. 44 which is less than the longevity portion of retired pay f. 1408 – exempts VA disability payments from division upon divorce. retired pay, resulting in a dollar-for dollar waiver of military retired pay for military disability benefits. Section 25-215, “Liability of community property and separate property for the community and separate debts,” states in pertinent part:. Call us today at (480)305-8300 or reach out to us through. 2. B. CRSC is a special compensation for combat-related disabilities. You might consider the relationship between the cost of the program and its benefits. Prior to CRSC, any monetary benefits. $1,766. Divorce / Separation Lawyer in San Diego, CA. authorizing CRDP, 10 U. In a divorce, the court divides the money and assets between the spouses equitably. The Court reviewed case decisions about whether one spouse’s personal injury award is the separate property or community property in Arizona. be entitled to and/or receiving military retired pay; be rated at least 10% disabled by the VA; waive your VA pay from your retired pay; file a CRSC application with your branch of service No. is no longer receiving Chapter 61 retired pay as calculated under 10 U. Schickner addressed whether the profits of a business earned between the date the Petition for Dissolution of Marriage i s served on the other spouse and the date. In the case of Foster vs. Box 979013. Or, writing or faxing your request. disability that is combat related (CRSC rating) and may not exceed the reduction in retired pay. Combat-Related Special Compensation (CRSC) is a Department of Defense (DOD), not a VA, program under T10 USC §1413a. A divorce decree was issued dissolving the parties’ marriage, dividing their marital assets, and awarding Wife spousal maintenance of $600 for 120 months. I understand CRSC is not a pension and isHowell, is a case arising out of Arizona where a retired Air Force veteran received a 20% disability rating for a shoulder injury. 00. 48 VA waiver = $1394. omitted assets in an arizona divorce decree; crsc pay and divorce in arizona; judgment for separate property stolen during marriage; judge ignores a business appraisal in an arizona divorce; reimbursement of separate property in a divorce in arizona; separate property increases in value during marriage in arizona; personal injury awards and. The case the court considered, Howell v. Arizona rulings have recognized the community may gain a community property lien against the sole and separate property of a spouse if either spouse, through labor, effort, or payment of community money, increasing the value of a.