Archive for the ‘Home Insurance’ Category

Everyone wants to obtain cheaper home insurance and recently, a number of books have been spotted on the internet offering to give you the secret of obtaining cheap insurance in return for a sum of money. Most of these are absolute rubbish, there is no special way to obtain cheaper home insurance, there are no secret deals, for the main it is just hard work phoning around trying to find and insurance company that offers what you consider to be a reasonable deal.

Many people ask why premiums vary so much from insurer to insurer. Quite simply, they are all looking for different things, you may find that one insurance company is very competitive in one area, but not in another. This could be for a variety of reasons as insurance is calculated on an individual basis after you have answered a set of underwriting questions.

There are many factors that affect the pricing of insurance and with a particular insurance company, you may just fit their target market, lots of things are taken in to consideration such as the postcode, your occupation, your sum insured and even your date of birth. Many people ask why should your age effect the pricing of your insurance, well statically, insurers know that fewer claims coming form older people, hence many will offer a discount. There’s not too much you can do to increase your age to obtain a discount from your home insurance but what can be done to help secure a discount.

1) Excess, this is a term applied by insurers to the first portion of a loss that the policyholder must pay in the event of a claim,. Thus if you have a £50.00 excess and you have a valid claim, the insurers will settle less the £50.00 excess. You could offer to pay a higher excess and most insurers will offer you a discount. Be a bit careful with this as excess fall in to two groups, voluntary and compulsory. Most polices will come with a compulsory excess so any voluntary excess you offer to pay will be on top of this.

2) Fit smoke detectors to your Home- These very cheap devices are obtainable almost everywhere and not only can they prove to be a life saver, many insurers will offer a small discount if you have them fitted.

3) Improve the physical security at your Home. – Many insurance companies offer discounts if you have good physical security at your home, this would include key operated window locks, 5 lever mortise deadlocks on the final exit doors. If you are unsure what to fit ask your insurance broker or speak to your local crime prevention office.

4) Join a neighbourhood watch scheme. – Often joining a neighbourhood watch scheme can result in a small discount being offered.

5) Fit an alarm to your property, you can usually obtain cheaper home insurance if your property has had an alarm fitted. Be careful though as alarms differ greatly in their effectiveness and the discounts an insurer is prepared to offer. Most will require that the alarm has been fitted by a professional company that have a governing body and that the alarm is maintained on a maintenance contract. Alarms can be expensive to fit in relation to the actual discount offered. Always check first with your bro0ker or insurer before paying for an alarm to be fitted.

Though mobile home insurance is similar to homeowners insurance, there are some differences you should to be aware of when shopping for insurance quotes. Here’s what mobile home insurance covers, plus information on how to get a cheap mobile home insurance policy.

Mobile Home Insurance

Mobile home insurance covers the following:

1. Your Mobile Home

Mobile home insurance protects your mobile home and other structures you own that are not attached to it. It pays to replace or repair your mobile home after it’s been damaged by fire, storms, vandalism, lightning, explosions, plumbing leaks, or other incidents named in your policy.

There are two types of coverage – replacement cost coverage and actual cash value coverage. Replacement cost coverage pays to replace your mobile home after it’s destroyed. Actual cash value coverage also pays to replace your home after it’s destroyed, but only for it’s depreciated value.

Standard policies do not cover your mobile home while it’s being transported, but you can purchase trip collision coverage if you expect to move it.

2. Your Personal Property

Mobile home insurance protects your personal property – clothing, furniture, appliances, electronics, tools, sporting equipment, etc. It pays to replace them after they’ve been damaged by the above named perils

3. Your Assets

Mobile home insurance protects your assets. It pays for another person’s medical expenses when you or your family unintentionally hurt them, and property damage expenses when you or your family damage their property. It also pays your court costs and legal fees.

Cheap Mobile Home Insurance

In order to get the best price on mobile home insurance you need to get quotes from a number of different insurance companies. The easiest way to do this is to go to an insurance site where you can get quotes from multiple companies. All you do is fill out one simple questionnaire and wait for your quotes.

The better online insurance comparison sites only work with A-rated companies, so you don’t have to worry about not getting paid for a claim. The best of these sites offer money-saving articles and feature an online chat service so you can get answers to your questions from insurance experts (see link below.)

Visit http://www.LowerRateQuotes.com/homeowners-insurance.html or click on the following link to get cheap mobile home insurance quotes online from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section.

Thanks to global warming, hurricanes, tornadoes, floods, and fires are increasing at an alarming rate. If you don’t have insurance to protect your mobile home you could lose everything you own. Here’s how to get cheap Texas mobile home insurance with a top company.

Mobile Home Insurance Coverage

Mobile home insurance covers more than just your mobile home. It also covers your personal property and protects you from liability lawsuits. Here’s what Texas mobile home insurance covers:

Your mobile home – Mobile home insurance reimburses you for any damage done to your mobile home caused by fire, smoke, water leaks, explosions, vandalism, or natural disasters. It will also replace your mobile home if it’s been destroyed. Basic mobile home policies do not cover damage caused by floods, so if you live in a flood-prone area you’ll need to purchase flood insurance.

There are two types of coverage:

* Replacement cost coverage pays to replace your mobile home when it’s been destroyed.

* Cash value coverage also pays to replace your home when it’s destroyed, but you’ll only be reimbursed for it’s depreciated value.

To determine how much coverage you need, find out what your mobile home is worth, then use that figure for your mobile home insurance amount.

Your personal property – Mobile home insurance reimburses you for damage done to your personal property. There are limits on the amount a company will pay for expensive items like jewlery, computers, and antiques, so check your policy limits and purchase additional insurance if you need it.

To determine how much personal property coverage you need, total the value of all your personal property – furniture, clothing, electronics, computers, linens, appliances, sports equipment, tools, etc. – and use that total for your personal property coverage.

Your assets – Mobile home insurance reimburses you for liability lawsuit damages when your found guilty of injuring someone or damaging their property. It also pays your legal defense fees and court costs.

To determine how much liability insurance you need, total the value all your assets – checking accounts, savings accounts, CD, stocks, bonds, etc. – and use that total for your liability coverage.

Where to Get Cheap Texas Mobile Home Insurance

Insurance can vary by hundreds of dollars between insurance companies, so to get the best price on Texas mobile home insurance you should get quotes from a number of companies. The quickest way to do that is to visit an insurance comparison website. All you do is fill out one simple questionnaire on the site, wait for your quotes, then choose the best one.

The best of these sites only work with A-rated companies, so you won’t have to worry about not getting reimbursed for a claim. Some of these sites feature an online chat service so you can ask questions and get advice from insurance experts (see link below.)

Visit http://www.LowerRateQuotes.com/homeowners-insurance.html or click on the following link to get Texas mobile home insurance quotes online from top-rated companies and see how much you can save. You can get more mobile home insurance tips in their Articles section.

You may love the charm of your older home, but finding inexpensive homeowners insurance for it can be difficult. Insurance for older homes can cost as much as 25% more than insurance for newer homes. Here are some tips to help you get inexpensive older home insurance.

Raise Your Deductible

You often need to buy higher coverage amounts for older homes in order to cover the higher rebuilding costs. However, you can offset those higher coverage amounts by raising your deductible. The higher you raise your deductible, the lower your premium will be.

Request Homeowners Discounts

If you have an historic home, you want to retain as much of the historic flavor of your home as possible. In fact, if you live in an historic area, you may be limited as to what changes you can make to your home. However, by installing such modern amenities as deadbolts and alarm systems, you can take advantage of security discounts offered by insurance companies.

Ask your insurer what discounts you qualify for and take advantage of them.

Choose a Company that Specializes in Older Homes

Insurance companies often specialize in a particular type of home, including antique or older construction. By choosing a company that specializes in older homes, you can be sure you’re getting the right amount of insurance.

To find a company that specializes in older homes, you can:

* Ask your neighbors for recommendations

* Check with your city building department

* Check with your neighborhood or city historic district commission

Go Comparison Shopping Online

The best way to shop for insurance for your older home is to go comparison shopping online. By spending just a few minutes at an insurance comparison website you can get quotes from multiple A-rated insurance companies.

On the best insurance comparison websites you can also talk with insurance experts and get answers to all your insurance questions, plus get advice on lowering your older home insurance premium (see link below).

Visit http://www.LowerRateQuotes.com/homeowners-insurance.html or click on the following link to get older home insurance rate quotes from top-rated companies and see how much you can save. You can also get more insurance tips there.

When an individual takes out a home insurance policy, he or she will usually think that they are wasting their money. Most home insurance policies are only taken out of habit and that niggling doubt at the back of the mind that if home insurance is left to lapse then something will almost certainly happen. The course of life is never smooth and things will go wrong, but at least with home insurance you can make a claim. Homeowners insurance claims, however, are nowhere near as straightforward as they sound and so this is your guide to making a claim.

The first thing you should do when taking out home insurance is to make a home inventory. A home inventory is essentially a list detailing all of your belongings. Whilst this may sound like a hassle to compile, it can be a vital aid if your house is destroyed in a flood or a fire, or even if it is burgled. It is the only sure fire way to keep track of what you own. An inventory should be kept up to date at all times so that you are prepared for the worst from the start. A list with all of the necessary facts is only the basic beginning of an inventory. You should also take pictures or a video, keep receipts and store them all in a safe deposit box away from your home. This will help no end if you do need to make a homeowner’s insurance claim because there is no way that you will remember all of the details otherwise.

The first step in making a homeowners insurance claim is actually filling in the necessary paperwork. You will need to obtain the form direct from the company and fill it in completely or else it will be returned to you. They will ask for complete details of any items damaged, destroyed or lost. This includes but is not limited to brand, price, age and description. The form is a legal document and so only the facts should be documented on it, rather than speculation. If need be, the specifics can be determined by experts.

Home insurance companies will often need proof of any items lost or damaged when making a homeowners insurance claim these days as a result of the rise in home insurance fraud in recent years. This actually costs home insurance companies millions of pounds every year and makes it a lot more difficult for genuine homeowner insurance claims to get through the system. If a household item is damaged, an oven for example, the company may insist that an agent comes into your home to assess the damage to make sure that your claim is valid. As a result, your claim may take up to a month to resolve so be prepared for a wait.

Once homeowners insurance claims are settled, payment can come through in a few days because it is only the actual paperwork that takes time. As long as you deal with your claim in a logical way and contact the home insurance company if you have any queries then you shouldn’t have a problem. Just be honest with home insurance companies and you will not go far wrong.

Agents specialize in explaining in a simple fashion many complicated terms used by insurance companies. Mobile home owners in Texas currently have a buyer’s marketing mobile home insurance policies. The coverage is more extensive than previous years, and the rates are better than ever.

Texas has a vast array of insurance companies the cover mobile homes. Choosing the right carrier can be confusing, to say the least. Mobile home insurance companies that advertise guaranteed cheap rates often neglect to mention that they exclude certain perils from their policies to minimize risk to their organizations. By doing so, they seem to forget that Texas mobile home insurance companies are supposed to protect, not exclude, their clients from peril. While it is unworkable to compensate for every thinkable peril, the ideal situation for the client is to find a mobile home insurance company that will give you a clear explanation of the details of your coverage and give you a price point that you can afford.

The first decision that the prospective insured must make is to determine whether to go directly do the company itself or to be represented by a mobile home insurance agency. If a person chooses the go the agency route, it is essential to know which carriers the agency represents. Some mobile home insurance agencies only represent a single company, and therefore offer limited benefits in comparison to those who represent multiple entities. The number of companies that a Texas mobile home insurance agency represents can further impact the number of benefits it offers when it comes to coverage of peril. Some carriers won’t touch certain parts of the state because they represent areas of greater risk. Having more than one option allows the prospective insured to be certain that his or her assets have been covered by the maximum protection allowable in their geographic area. People can review histories of various carriers by going to the Texas Department of Insurance website.

Since dealing with a carrier directly puts a person at the mercy of that carrier’s customer service policies and coverage restriction, most people in the end opt to deal with the company through a mobile home insurance agency that can offer both a personal touch and professional interface between them and the carrier. It is vital to determine when choosing a mobile home insurance agent what companies in Texas he or she represents and to know in full what advantages each individual carrier offers. Insurance policies bear common similarities because all mobile home insurance companies much follow the guidelines of the Texas government and file their policies with the Texas Department of Insurance. However, there are always points of distinction between individual carriers as well. If you are working with a mobile home insurance company that doesn’t answer these questions, or if you have been looking and haven’t found one yet, it might be a good time now to call Texas Auto Home Insurance. We help simplify the process of finding the right policy with the best possible carrier. We take a consultative approach to client interface aimed at arming the prospective insured with information vital to making the best decision at hand.

Buying a brand new property, complete with that luxurious fitted kitchen and the en-suite bathroom you have always wanted, maybe just a dream to most, but to some, it is a reality and an investment that you would want to protect with new homes insurance. Using a specialist website that gives you full access to the marketplace is so helpful when deciding upon the best new homes insurance policy for you.

New homes are generally more cost effective to run than older properties as they are built to a higher standard. Always make sure that the new property is protected by a good warranty provided by a reputable company, for example, the NHBC’s 10-year Build mark warranty and insurance. If the property developer uses another warranty provider, it is wise to ensure that the final building control certificate is available before proceeding with your purchase. The placement and quality of a warranty will affect the price and availability of new homes insurance.

If you have financed the purchase of your new home with a mortgage, your lender will most likely require you to get home insurance coverage to protect their investment. As there is reduced risk associated with new homes, lower premium rates will reflect this and it pays to shop around for the best deal on new homes insurance. This specialist website will prove to be a valuable tool as you only have to enter your details the once and the results are available in a matter of minutes. It allows the effortless comparison of new homes insurance, instantly reviewing the policy contents. It allows you to change the way in which you view your quotes, simply list them in an order that best suits you, save the information and retrieve it later at your convenience.

Your location can affect the price of your new homes insurance, so when searching the various locations of newly built properties, this specialist website allows you to peruse with ease the difference in price a postcode can make. You will notice the increase of homeowner insurance in areas that are prone to flooding or subsidence. This maybe one of the deciding factors when buy a new build home.

Ideally when obtaining new homes insurance we wish to enjoy the maximum coverage with the minimum premiums. By adjusting certain details, you can lower the premiums. A simple alteration to make changing the excess amount, the higher the excess you are willing to pay on claims, the lower the premiums. The reduction in premiums can be as much as 20% with some insurers for as little as £250.00 excess. The number of years no claim discount (NCD) you have is of great influence and whether to protect that NCD is a factor. Some insurers will offer separate NCD protection within the policy, so if you make a claim against your contents insurance, it will not affect you building insurance. It is prudent to check the availability of this and if it is built into the end price.

Once you have decided upon your new homes insurance, it can be then purchased from this website without the need of repeating the input of details with the assurance that any payment made will be secure. As this specialist website is independent, offering an extensive range of trusted insurance companies from the marketplace, the impartial information supplied will assist making an informed decision, easily and efficiently. Helping you obtain the best deal when seeking new homes insurance

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Homeowner cover is one of those things that we hate every month when we are paying our premiums, but when we need to make a claim, it is a god send. Home insurance, also known as homeowners insurance or hazard insurance is a necessity for all in todays society. Homeowner insurance is a generic term that is commonly broken into two seperate products, buildings insurance and contents insurance.

Contents Insurance

Contents cover is designed to give protection against the loss, damage or theft of your personal items within the home, as well as accidental damage if it is included on your policy. Most insurance companies will require you to itemise the items you want to be covered and if you take out a new for old policy, your items will replaced by new products of a similar market value. When you list your valuables it is important that you put a current market value against them and not the amount that you paid when you purchased them. Otherwise you may be out of pocket by a rather large sum of money. If you buy any valuable items after you have taken out your policy, it pays to advise your insurance company, otherwise they may not be covered in the event of an incident.

Buildings Insurance

Buildings cover is designed to give financial protection in the event that the actual physical building gets damaged through things such as fire, malicious damage, or weather. If you are a homeowner looking for insurance for your home, try to find a policy that provides unlimited re-building costs for your home. This way you do not need to be worried if the costs of raw materials or tradesmen rises without your knowledge. Many insurance companies now offer this as standard. Most homeowner insurance will also cover additional buildings on the property, and will also, give protection to property owners who may be held liable for any accidents that occur on their property. The buildings cover aspect of homeowner insurance also typically provides protection against escape of water or oil ,lightening strikes ,vandalism ,explosion ,theft ,storm damage and subsidence. In addition buildings insurance can cover the cost of living in temporary accommodation while your home is being repaired due to one of the above issues and, if selected, this cover can pay for repairs to utility pipes on your property. Basically, buildings cover can pay to rebuild your entire home if necessary.

Insurance Online

With the continual advance of the internet, you can now shop for your house insurance online. This provides major advantages as you can easily compare several different providers at ease to ensure you are getting the best price possible, and you can check the terms and conditions easily to ensure you are buying the policy that you want and that will compliment your personal sitaution. Most of the large insurance providers now have user friendly web sites that allow you to tailor your policy and will provide you with complete written information about what is, and more importantly what is not covered.

Homeowner insurance is a vital form of protection for home owners as your house is your single biggest asset. The financial loss involved when something serious happens to your house can be financially crippling. Make use of the tools that are available to you, like the internet to ensure you are getting the most value for money and the best deal. Carefully add up your personal items as you do not want to be paying more than necessary, but you do not want to be under insured if you need to make a claim. As there is a lot of competition in the home insurance market place use this to your advantage and shop around. You can often get the same or more cover for less.

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Everyone can enjoy high value home insurance without paying top price. All you have to do to achieve this feat are pieces of information (That is, if you implement them). Below are a few things that will help you reach this goal…

1. Ensure you don’t make the mistake of not subtracting the land’s worth from your home’s value as you apply for a home insurance policy. People do this ignorantly. You’ve made same mistake if you insured your house for the cost you bought it without checking the cost of the land it’s built on and deducting it.

For those who have ignorantly done this, call your agent and check your home insurance coverage again. Lower your coverage to the cost of your house and its contents minus the land’s value.

Your premium will be more affordable and you’ll still have adequate coverage if you do this right. Because insurance is for valuables that can’t afford to lose, insuring the land which can neither be lost or damaged isn’t a smart move.

2. Motion-sensitive lighting lowers your home’s risk of burglary and, as a result, helps you get lower home insurance premiums. Your home becomes less attractive to thieves as they’ll be spotted easily. Because thieves avoid homes with such lighting, you reduce your home’s risk of burglary and, consequently, your rates.

3. Some security and fire systems are monitored 24/7. You get huge discounts apart from the fact that you’ll feel safer that your house is being watched by trusted people. Depending on the insurance provider, this type of systems can help you shave off between 25% and 30%.

4. A group policy will cost you less. It’s as well good to check with associations you belong to if they have any group discount from any insurer.

I will, nevertheless, recommend that you still get and compare quotes from other insurers that your association may have no affiliations with. You can get an insurance company that your association has no form of affiliations with that gives your profile a far lower rate. There’s stiff competition in the home insurance sector and you can take advantage of this to get lower premiums if you spend some time to do extensive shopping and comparisons.

5. There’s the chance that you could spend less for home insurance if you spend time to go through your policy either whenever there’s much change in your home or just routinely once of twice anually. The market price of your diamond ring might have dropped considerably and therefore require that you review your coverage.

If it’s now worth less, you’ll then do the sensible thing: Lower your coverage accordingly and get lower rates as a result. But know that the reverse could as well be the case where you would have to purchase additional coverage because it’s increased in its worth. The interesting thing, though, is that whichever it turns out to be you will be at an advantage.

6. You can get lower rates on home insurance today by visiting not less than five insurance quotes sites. Each site will take you about 5 minutes or less to obtain quotes. (Some people fill in information that are not really true about themselves. That isn’t smart since the quotes you’ll get this way will NOT do you any good). You’ll simply pick what represents the best home insurance quote for you from the list of quotes you’ve obtained. It’s as simple as that. However, you could easily save hundreds of dollars.

Here are great pages for home insurance quotes…

Cheap Home Insurance Quotes

Low Cost Home Insurance Quotes

While selecting a home insurance deal for you’re your home, you need to keep a few things in mind. The first thing that you should consider while deciding on a home insurance coverage is the kind of insurance that you wish for your home. Is it that you only wish to insure the things inside your home or apartment, or is it that your house needs insurance from flood, fire?

You can seek help from various home insurance agencies that are available online as well as offline in order to choose the best deal for your home. The next essential factor is that your insurance deal must be within your range. You have the opportunity to hunt for the best suitable deal for your self from amongst the various insurance companies that are offering similar deals. Do not forget to seek discounts and rebates that you are eligible to.

Most reputed insurance agencies, help you with agents who can come to your assistance and provide you the details of the various insurance deals they can offer and how they shall be beneficial to you.

While you are making a choice for your home insurance company it is advisable that you do not opt for mediocre or low rated insurance companies, as the cases of forgery and bankruptcy are higher in the low rated companies. If you are insured through a high rated reputed home insurance company such chances are almost impossible for the simple fact that the insurance industry is highly regulated and it is difficult for big insurance companies to reach the break down level.

Insure your home with a good deal from a reputed insurance agency and live your dream everyday.

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You must be loving your home and its security would be your greatest priority but the question is how you can do that. You keep your valuable possessions and important documents in your home but imagine a minor accident in your home. It can destroy the documents and possessions in no time. As prevention is better than cure so a home insurance is worth having.

Home insurance or homeowners insurance or hazard insurance is a property insurance covering damages on home and its contents caused by natural disasters or manmade mistakes. It may also serve to protect against liability that may arise from injuries to other people or damage to other people’s properties while inside one’s home. Insurance companies offer home insurance UK policies in different coverage packages.

While opting for home insurance you can get coverage for building protection, property damage, personal liability, additional living expenses and medical payments. Property damage coverage pays for damage to personal property, like fixed glass and sanitary fittings (e.g. bathroom sinks). Additional living expenses provide enough funds for a policy holder to pay for an alternative living space when his/her home becomes unusable due to a natural calamity, crime or accident.

Meanwhile, personal liability coverage protects against a lawsuit from property damage or injuries sustained by a third party due to negligence. So, while opting for home insurance, always determine the coverage type contained in its insurance package. This insurance can be very expensive due to some factors like the age of a house, type of construction and location. Insurance premium is higher for those homes that are older or located in places that are not near local fire stations or in disaster-prone areas.

Hence, it is always advisable to request for online home insurance quotes from different insurance providers before settling for a particular insurer. So that, it can become easier for you to choose that which quote offers the best insurance coverage at comparable rates.

£300 million was paid out by home insurers in flood claims last year, however instead of prices rising, this has seen the competition in the home insurance market increase. The June and July deluge of rain last year, severely damaged thousands of UK properties and cost the sector an estimated £3 billion. This prevents insurers claiming back the losses they saw last year by increasing premium prices this year, it seems cheap home insurance policies can still be found.

Datamonitor thinks that many of the costs insurers saw due to the 2007 floods, will be passed on the recoup by the reinsurance industry. However, the analyst went on to say that it estimates that the gross household insurance claims cost over £4 billion last year. The liabilities of many primary insurers could reduce the profit generated by the market from 2006’s figure of £167 million, to an amazing loss of over £300 million in 2007.

A financial service analyst from Datamonitor, Mahreen Hussein, said: “While the market suffered heavy losses in 2007, premium income actually held up pretty well, and as long as premium rates don’t decline in 2008 we are forecasting a return to profit for the household insurance market.”

Datamonitor also saw an increase in the use of Internet price comparison sites to get competitively priced home insurance deals. However it warns that this is leading to people choosing their home insurance policy purely on the price given.

This is boosting rivalry between insurers, and forcing companies to keep their prices down because of the prices other insurers are offering for similar policies. The ability to use these comparison sites such as Only Insurance, means customers can search for the best price they can get from the majority of insurers available on the market.

Premiums increased marginally in 2007, it is thought they didn’t rise by any significant figure thanks to the abundance of competition across the market. The Association of British Insurers said that its member companies dealt with 165,000 claims as a result of the appalling weather last year.

The floods in Yorkshire, Gloucestershire and Worcestershire cost the industry all together more than £3 billion, combined with other events from last year this made 2007 the worst ever year for weather related claims. According to the ABI the average cost of the property flood damage was £20,000, in many cases all of which was covered by a home insurance policy.

The government’s recent list of flood plains across the UK has bumped up policy prices for many home insurance customers across the country. Insurers have learnt a hard lesson after the huge losses they experienced last year, and have increased their policy prices for people living in these areas accordingly.

The ABI has called for a 25-year flood strategy, including planning controls to make sure new properties are not built in high risk flood areas. It also believes that a single national body responsible for flood management should be launched to manage the situation.

Hussein went on to say: “insurers may fall into a trap of continuing to compete aggressively in 2008 in a bid to retain their market share” and this will “hinder the ability of insurers to bring in very strong rate increases, leading to only smaller levels of profit for 2008.”