top 20 insurance companies in the world 2020
These are available to both small and large groups, individuals, Medicare and Medicaid markets. Rank 2018 Companies Country 2018 2017 2017/2018 evolution * 1: Qatar Insurance Company. Checks may be sent to providers directly, however, at the request of the policyholder. Royal Bank of Canada (RY on TSX and NYSE) and its subsidiaries operate under the master brand name RBC and is Canada based multi-national bank. AXA. Many maintain branch offices in foreign countries. The managed care plans indicate preferred provider organizations as well as point of service plans, health maintenance organizations traditional indemnity plans and other hybrid plans. Fortune 100 Best Companies to Work For® 2020 Great Place to Work, the global authority on workplace culture, determined the Fortune 100 Best Companies to Work For™ list and the Fortune Best Big Companies to Work For list by conducting America’s largest ongoing annual workforce study, representing more than 4.1 million employees this year alone. The massive company offers a variety of different coverages that range from medical coverage, pharmaceutical benefits, and outpatient care, through analytics for their affiliates as well as for third-party clients. MetLife, Inc. is one of the leading providers of employee benefit programs, annuities, and insurance in the United States. Website: bnymellon.com – Market Cap. This year’s honorees include Twiga Foods, Copia Global, PiggyVest, and Kobo360. … The Five Best Louis Vuitton Watches Money Can Buy, The History of the Chopard Happy Fish Watch, How Chris Jericho Achieved a Net Worth of $18 Million, How Amy Adams Achieved a Net Worth of $40 Million, How Matthew Gray Gubler Achieved a Net Worth of $10 Million, How Charles Payne Achieved A Net Worth of $10 Million. Some of the products include property and casualty, life, farmers, group functions fand operations, motor, home, and commercial insurances for individuals, small and large businesses. Sub-Industry: Consumer Finance . Accessed April 7, 2020. They’re also involved in specialized financial services adn serve small businesses, corporations, individuals and local French authorities as well as for those abroad. Here is the list of the top 10 Insurance companies in world 2020. Updated January 12, 2020. The headquarters is in Paris, France. Our study rates are based on profiles for … They’re the nation’s leader in self-directed, government-backed and employer-sponsored health insurance plans. China Pacific Insurance (Group) Co. Ltd. operates through three main divisions. Insurance companies are key actors of the American economy, hedging risks and covering the costs of accidents. Headquarters is in USA. They’re a wealth management and banking corporation which also offers life insurance, casualty, personal insurance, property, and credit insurance. They provide postal and domestic logistics, post office, internal logistics, life insurance, banking, and other services. Intact, Desjardins, Aviva, Co-operators and TD Insurance are the leading property/casualty and car insurance providers in the country. Headquarters is in USA. HSBC is Banking and Financial Services Company with Headquarters in London, UK. Microsoft briefly dethroned it as the most valuable enterprise in the world in 2018, Amazon beat both companies for the top slot in January 2019 but Microsoft took it back a month later. Zurich Insurance Group AG is headquartered in Zurich, Switzerland and was founded in 1972. That being said, here are the 20 most profitable companies in the world in 2020 and their respective profit margins. This would lead to a return of between 10 and 25% in premiums to customers, up until the number of drivers on the roads return to normalcy. Microsoft's dominance didn’t last long. This company is seventy percent state-owned, and although they had a few very rough years, it is apparent that the company has made it through the rough spots to become the biggest life insurance provider in the entire country of China. However, insurance companies are taking a risk in guaranteeing a payout. It operates in France, providing life and Savings policies, as well as Property and Casualty insurance, and they’re involved with AXA Banque France and France holdings. The primary operations are nationwide insurance business and reinsurance to other countries throughout the world. They offer these products and services locally as well as globally. AXA: With more than 102 million clients in 56 nations and a representative base of 157,000, AXA is one of the world’s driving protection groups. 7. On the insurance side, they offer personal accident, general liability, legal expense, fire, travel, credit, life insurance, and health insurance. Teen and young adult drivers are notoriously expensive to insure because car insurance companies see them as riskier than adult drivers. Quadrant obtained publicly available rate data that car insurers file with state regulators. Top 20 largest US insurance companies 2020. China Life Insurance: Insurance: $131,244: $4,660: 180,401: China: 47 Allianz: Financials $130,359: $8,858: 147,268: Germany: 48 Marathon Petroleum: Oil and gas $124,813 $2,637 60,910 United States 49 Huawei: Electronics $124,316 $9,062 194,000 China 50 China Railway Engineering Corporation: Construction $123,324 $1,535 302,394 China 51 Kroger: $123,324 The world’s largest custodian bank and asset servicing company, BNY Mellon is primarily involved in corporate and investment banking, global wealth management, financial analysis, and private equity. Allianz Group, based in Germany, is the world’s largest insurance company in terms of assets. Others, such as USI, operate mainly in the United States. Top IT companies globally are driving the innovation around the world. 46 In addition, while the level of uncertainty from medical, political, economic, and global trade challenges was expected to be the enemy of M&A, 25 insurance … National Association of Insurance Commissioners. February 1, 2021. Humana Inc is headquartered in Louisville, Kentucky and was established in 1961. He is followed by Microsoft CEO Satya Nadella and Tim Cook, who is the CEO of tech giant company Apple. Headquarters. Aflac Incorporated provides a wide range of voluntary supplemental health insurance products as well as life insurance. They also offer sickness, unemployment and pet insurance. The corporations on this list, of the top 10 richest companies in the world, have so much money… That your eyes will water with envy, when you see the jaw-dropping amounts of cash these ultra-rich companies accumulated during their fiscal year. Ping An Insurance company has business in Insurance, Banking and Financial services. The Bank of New York Mellon AXA SA is a holding company that offers a combination of insurance as well as asset management services. Headquarters is in China. Workers who can afford to pay a little more out of pocket per month are adding these plans, making the companies a good bet for investors. Listing the top insurance companies in the world, this directory provides a simple way to analyse the world’s top insurance companies by premiums underwritten and by their net assets.. Copyright © 2018-2021 Value.Today | Asia's Most Trusted Website | Contact Email : info@value.today, BERKSHIRE HATHAWAY Annual Revenues for December-2019 ending is 327.22 Billion USD, BERKSHIRE HATHAWAY Annual Net Income for December-2019 ending is 81.41 Billion USD, BERKSHIRE HATHAWAY total assets as on Sep-2020 is 829.946 Billion USD, BERKSHIRE HATHAWAY total liabilities as on Sep-2020 is 410.73 Billion USD, BANK OF AMERICA CORPORATION Annual Revenues for December-2020 ending is 85.53 Billion USD, BANK OF AMERICA CORPORATION Annual Net Income for December-2020 ending is 16.47 Billion USD, BANK OF AMERICA CORPORATION Total Assets as on June-2020 is 2,741,688 Million USD, BANK OF AMERICA CORPORATION Total Liabilities as on June-2020 is 2,476,051 Million USD, UNITEDHEALTH GROUP Annual Revenues for December-2020 ending is 255.63 Billion USD, 20.9 Billion USD for Year ending December-2020, UNITEDHEALTH GROUP Annual Net Income for December-2020 ending is 15.40 Billion USD, UNITEDHEALTH GROUP Total Assets as on June-2020 is 192,483 Million USD, UNITEDHEALTH GROUP Total Liabilities as on June-2020 is 127,017 Million USD, WELLS FARGO & COMPANY Annual Revenues for December-2019 ending is 85.06 Billion USD, WELLS FARGO & COMPANY Annual Net Income for December-2019 ending is 19.55 Billion USD, WELLS FARGO & COMPANY Total Assets as on June-2020 is 1,968,766 Million USD, WELLS FARGO & COMPANY Total Liabilities as on June-2020 is 1,789,380 Million USD, PING AN INSURANCE (GROUP) COMPANY OF CHINA Annual Revenues for December-2020 ending is 1113 Billion CNY, PING AN INSURANCE (GROUP) COMPANY OF CHINA Annual Net Income for December-2020 ending is 143.1 Billion CNY, HSBC HOLDINGS Annual Revenues for December-2019 ending is 68.06 Billion USD, HSBC HOLDINGS Annual Net Income for December-2019 ending is 7.38 Billion USD, BANK OF CHINA Annual Revenues for December-2019 ending is 548.1 Billion CNY, BANK OF CHINA Annual Net Income for December-2019 ending is 187.4 Billion CNY, AIA GROUP Annual Revenues for December-2019 ending is 47.24 Billion USD, AIA GROUP Annual Net Income for December-2019 ending is 6.64 Billion USD, AIA Group Total Assets as on December 2019 is 284,132 Million USD, CHINA LIFE INSURANCE COMPANY Annual Revenues for December-2019 ending is 729.4 Billion CNY, CHINA LIFE INSURANCE COMPANY Annual Net Income for December-2019 ending is 58.28 Billion CNY, ROYAL BANK OF CANADA Annual Revenues for 2020 October ending is 47,181 Million CAD, ROYAL BANK OF CANADA Annual Net Income for 2020 October ending is 11,437 Million CAD, ROYAL BANK OF CANADA Total Assets as on 2020 October is 1,624.5 Billion CAD, World Top Insurance Companies by Market Value as on 2020, World Top 10 Companies Revenues and Net Profits as on 2020, India Top 10 Companies Revenues and Net Profits as on 2020, Australia Top 50 Companies Annual Results, United Health Group - World Top Healthcare Company, PING AN INSURANCE (GROUP) COMPANY OF CHINA, Ping An Insurance Group - Insurance, Banking, Financial Services, HSBC - Banking and Financial Services Company, Royal Bank of Canada - Banking and Financial Services Company. China Pacific Insurance (Group) Co. Ltd. operates through three main divisions. An aging population is in need of supplemental insurance to cover medical, dental and vision, as well as long-term care plans. China Pacific Insurance Company – MC: $234.43 billion. He spends more time than is perhaps wise with his eyes fixed on a screen either reading history books, keeping up with international news, or playing the latest releases on the Steam platform, which serve as the subject matter for much of his writing output. This site uses Akismet to reduce spam. December 7, 2020 leave a comment. This list comprises the world's largest companies by consolidated 2020 revenue, according to the Fortune Global 500 latest tally published on August 10, 2020. In the US, not many necessarily think of China when it comes to gasoline, yet China has some of the largest petroleum companies in the world. It was subjected to investigation and controversy when a flier sent out to medicare recipients was ruled as being deceptive. Reliance Industries employee count is 195,618 as on 2020. Magazine. One of the main factors for obtaining MLM success and its advantages is the actual MLM opportunity you choose to join. UnitedHealth Group Inc. is currently the largest provider of health insurance coverage in the USA. CPI offers RMB life insurance products as well as property and casualty insurance. Things like IOT, cloud … In operations across insurance organizations, expense management efforts—which began well before the pandemic hit—remain crucial, not only to offset added costs incurred to respond to the outbreak, but also to fund faster innovation, spur quicker recovery, and fuel future growth. Saudi Arabia: 2 039 448 000: 2 242 899 000-9.10%: 4: Daman Health . They offer Life and Savings for the United States as well as Asset Management services. Top Best insurance companies in Kenya for (Student Attachment, Auto, Health, income protection, life, property, liability, Car e.t.c) The following is a list of best insurance companies in Kenya. They are a leader in the global market adn for the insurance segment, they cover both life and non-life based insurance products. 20: Facebook: $18.49 Billion. They also offer group pensions, personal pension, mortgages, equity plans, fixed and variable annuities, and deposit accounts. Haven Life; Banner Life; Protective; Mutual of Omaha; Top Home Insurance Companies. Although Covid-19 has increased the uncertainty of the car insurance industry’s market, the Deloitte Center for Financial Services has forecast a decline of 6.2% in personal car insurance premiums written in 2020, and a 3.5% decline for commercial cars. Berkshire Hathaway is owned by Mr. Warren Buffet. Anthem, Inc operates through its various subsidiaries to offer health benefits within the United States of America. They operate within the United States and in the country of Japan. United Arab Emirates: 1 370 000 000: 1 … Headquarters is in America. This company is based in Canada but also provides services for the United States, Asia, and reinsurance on a global level. To get comparative insurance rates for this study, U.S. News also worked with Quadrant Information Services to analyze a report of insurance rates in all 50 states from the 10 largest national car insurance companies, though not every company operates in every state. The best life insurance companies of 2021 are Northwestern Mutual, State Farm, Guardian, New York Life, and Nationwide. The following list is based on the company’s A.M. Best rating. Auto Insurance; Full Coverage Car Insurance; Liability-Only Car Insurance; Free Car Insurance Quotes; Best Car Insurance Companies; Cheapest Car Insurance; Health Insurance Quotes; Travel Credit … They have been ranked as the best insurance companies using online customer feedback statistics collected by kenyayote business team and Think business (financial sector in Kenya) statistics. These include Property and Casualty Insurance, Life Insurance and Other Business. RELIANCE INDUSTRIES is a Multi-Sector company with spread of business in Retail, Telecom, PetroChemicals, Energy, Textiles, Natural Resources with head quarters is in Mumbai of India. It was ranked as the third-biggest health insurance provider in the United States. World Top Financial Services Companies List by Market Cap as on Jan 1st, 2020 World Top Financial Services Companies List by Market Cap as Jan 1st, 2020. As per industry reports, the worldwide information technology spending is pegged at over $4.5 trillion worldwide. Great-West Lifeco, a subsidiary of Power Financial Corp, is the second-largest insurer in Canada by assets and the largest by gross premiums written. should companies use to execute their strategies to exploit the uncertain and fast changing future? However, they can be less well regulated and can expose policyholders to risk in the event of a dispute. The insurance industry is booming as people realize the necessity of having a variety of different coverages. In the last couple of decades, the needs of the customers have been on an exponential trend. Recently the company acquired non-life insurance … The Top 20 Insurance Companies in the World. It stands at number eight position in the list of world’s top best general insurance companies 2020. Prudential PLC is based in London, England and serves the United Kingdom and other countries throughout the world with a variety of insurance services and products. Home » Blog. Unsurprisingly, JPMorgan CEO Jamie Dimon came first in the CEOWORLD magazine’s global ranking of the world's best chief executives across all industries for 2020. As on December 2019, AIA Group has 16 million participant members who had insurance with AIA Group and they have provided 36 million insurance poclicies. It has been in operation for over a century, offering both investment and insurance advisory services. These include retirement products, life insurance, property and casualty insurance, and commercial and individual financial services. The top 10 Insurance Companies of the world understand the importance of customizing their products to cater to the individual needs of people from all walks of life. MENA insurance market : Top 50 companies according to 2018 turnover in USD. These include Property and Casualty Insurance, Life Insurance and Other Business. Allianz SE. Lasaco Assurance Plc was incorporated on December 20, 1979, under the Companies Decree of 1968. With the growing focus on automation and technology, there has been a consistent boom as far as the IT sector is concerned. Insurance companies earn by investing the money you pay (premiums) for the policy. They operate within the financial services sector in the Life insurance industry. The headquarters is located in Montrouge, France, and the company was established in November of 1894. Best Life Insurance Companies of 2021 Company Northwestern Mutual » PetroChina is China’s biggest oil producer to date and has been up and down this billion-dollar list for many years. TATA AIA Life Insurance is a joint venture between Tata Group, the unmatched name in the world of business and AIA Group, the largest, independent listed pan-Asia life insurance company in the world. Largest U.S. life insurance companies 2020, by market cap Meiji Yasuda's annual base profit FY 2016-2019 Largest U.S. life insurance companies 2018, by life insurance issued Nowadays MLM business or Multi-level Marketing has become a trend in the business world. Berkshire Hathway Inc is USA based Conglomerate Company. As on 2019, they have more than 102 thousand employees and revenues of 729 Billion CNY per year. Our Best Life Insurance Company ratings are based on information that was collected between June 1, 2020, and August 19, 2020. They are well known for their wide variety of plans which also include hospital only, limited-benefit products and consumer-driven health plans. Here is the list of the top 10 IT companies in the world 2020. The company which was founded in May of 1991, in Shanghai, China also offers management services as well as usage of funds services. AIA GROUP is the biggest company listed on Hong Kong Stock Exchange. It is a Global company that made it to Fortune magazine’s Global 500 company list for 2015, and it came in at number 94. December 7, 2020 leave a comment. Employers secure the best packages which are the most affordable for their workers, and many supplemental providers offer side plans for accident, cancer, short-term disability and more. CPI offers RMB life insurance products as well as property and casualty insurance. Gallagher is not only one of the world’s largest insurance brokers, it’s also well regarded – the company has been recognized by Ethisphere Institute as one of the World’s Most Ethical Companies for several years in a row, and has also been named one of the Best Places to Work for LGBTQ Equality by the Human Rights Campaign Corporate Equality Index 2020. The list of top insurance companies include names like Berkshire Hathaway, AXA, Ping An followed by Allianz, Japan Post, Prudential etc. AIICO Insurance Plc is an insurance, pensions management, and asset management Group established in 1963. Wells Fargo & Company is USA based Multi-National Financial Sector Company. It is one of the top 50 companies listed on the Shanghai Stock Exchange. The list is limited to the top 50 companies, all of which have annual revenues exceeding US$108 billion. In the same year, AXA acquired 50% stake of Tiang Ping, a property and casualty insurance company in China. Top 25 Highest Rated Insurance Companies in 2020. China Life Insurance Group Company employes 101,272 persons in their workforce. Nowadays MLM business or Multi-level Marketing has become a trend in the business world. This report ranks the Global Top 100 public companies by market capitalisation as at June 2020. No doubt, we have multiple other best car insurance companies in the world whose list is a marvelous in car insurance and customer services but the 10 listed above are the most reliable and record service providers in the USA. The company was established in 1981 and has been in operation for more than a century. Geico is a close second, and the 10 largest auto insurers make up 72% of the market in the U.S. Rank Company Country Net premiums written (US$ Billion) 1 UnitedHealth Group United States: 178.1 2 Axa France: 103.0 3 Ping An Insurance China: 101.8 4 China Life Insurance China: 93.4 5 Kaiser Permanente United States: 92.1 6 Anthem United … Accessed April 7, 2020. This company is headquartered in Omaha, Nebraska. Learn more about why. In the year 2013, AXA took a historic move by acquiring 50% acquisition of stakes of Colpatria Seguros in Colombia (Latin America). Insurance companies from different niches hinge on the needs of the clients or customers to make the most out of their ventures. This World’s Largest Insurance Companies directory is based on research data from rating agency A.M. Best.. It offers products and services throughout the United States, the Middle East, Africa, Asia, Europe, Latin American and Japan. They offer a range of insurances and financial products including financial protection, investment management services for groups, business, families and individuals, and more. These include life insurance, accident, and health, property and casualty. 3. 45 This was likely because most deals closing in this period were already in flight prior to the full-scale COVID-19 outbreak. One major advantage of local health insurance is that they are compliant with local regulations. The World’s 100 Best-Performing Companies, 2020 Sophie Ireland Stats Gate May 16, 2020 With a market value of US$242 billion, Industrial & Commercial Bank of China has been recognized as the best performing company in the world for 2020 , according to CEOWORLD magazine, while China Construction Bank (US$203 billion)and JPMorgan Chase (US$291 billion) placed second and third, … 20 Life Insurance Corporation ... By net premiums written. Wells Fargo provides banking products and banking services related to Personal Banking, Small Business Banking related Services, Commercial Banking. By Matthew Heimer and Scott DeCarlo. This World’s Largest Insurance Companies directory is based on research data from rating agency A.M. Best.. The Asian division provides Life and Savings policies in Hong Kong, Japan and other parts of Asia. It forms its own network of people to promote the business or to have a direct sale of the product or service. One of the main factors for obtaining MLM success and its advantages is the actual MLM opportunity you choose to join. The estimates for Net premiums written are estimated at $158.5 billion. National Association of Insurance Commissioners. The primary service and products they offer are managed care health benefit plans. Company Category: Market Value (Jan-2020) is Less Than: Search Company. 7. The company currently offers property and casualty insurances, life and health as well as asset management and corporate services. The table shows the largest U.S. … Credit Agricole Assurances offers a variety of banking and financial services. In our annual Global Top 100 report, issued in May 2020, we recognised that the reference point of 31 March 2020 fell in the midst of an upheaval in the global equity markets caused by the COVID-19 pandemic. Aflac Incorporated was founded in 1955 and is currently headquartered in Columbus, Georgia. This report ranks the Global Top 100 public companies by market capitalisation as at June 2020. The various assorted supplemental insurance products include accident, cancer plans, general medical indemnity plans, care plans, medical and sickness riders, living benefit life plans, annuities in Japan and ordinary life insurance plans. They also offer foreign-currency property and casualty insurance. They are as follows. One of the biggest drawing cards for Aflac, since its beginning, was the fact that in most cases the company pays clients directly instead of issuing checks to the service providers. Now, it’s evident that the coming year 2021 would bring more of such customer needs. The insurance policies they offer include: Motor insurance plan; Aviation insurance plan; Marine … HDFC Life Insurance Co. Ltd. is a provider of insurance services which cover legal protection for properties, healthy, automobiles, education, and retirement. Employees: 376,900 (2018) Market value: $220.2 billion (£173.7 billion) Founded in 1988, Ping An (literally ‘safe and well’) is one of the top global insurance brands in the world, as well as one of the biggest investment and asset management firms. Aon and Willis, are based in London while the other companies are headquartered in the U.S. Revenue: $70.70 Billion; Profit: $18.49 Billion; Margin: 26.2%; Country: USA Capital One. In case the product isn’t unique or high quality, the company can’t charge higher prices hence their margins take a hit. Headquarters: Shenzhen, China. Although some of the companies on our list offer insurance, plus financial services products and related services, we’ve included them as this is as much a part of the global insurance market at the health and life aspects of coverage. PetroChina Co Ltd. The headquarters are located in Mumbai and they serve clients within the country of India. At that time, the Company, was called Lagos State Assurance Company Limited. Insurance can be a complex business especially when the target audience all around the world can be largely varied. World Largest Financial Services Companies as on Jan 1st, 2020 . They are one of the largest Life Insurance providers in the country of China. Some of the most recognizable companies in the world, Berkshire Hathaway ($455 billion), Agricultural Bank of China ($147 billion), Saudi Arabian Oil Company Saudi Aramco (US$1.684 trillion), Ping An Insurance Group ($187 billion), Bank of America ($208 billion), Apple (US$1.285 trillion), and Bank of China ($112 billion) followed closely behind, rounding out the top ten. If a particular rating agency has not given a rating to a … Berkshire Hathway Business is into Diversified investments, Property & casualty Insurance, Utilities, Restaurants, Food processing, Aerospace, Toys, Media, Automotive, Sporting goods, Consumer products, Internet, Real estate. What Differentiates McLaren Interiors From Other Cars? The 2020 rankings placed Walt Disney Company CEO, Bob Chapek in 4th … … Listing the top insurance companies in the world, this directory provides a simple way to analyse the world’s top insurance companies by premiums underwritten and by their net assets.. Their current headquarters is located in Tokyo, Japan. Offshore health insurers offer the advantage of alternative solutions that may not be locally available and can come from specialist health insurance companies. Life Insurance, Reviews ... Top 25 Highest Rated Life Insurance Companies. The best life insurance companies of 2021 are Northwestern Mutual, State Farm, Guardian, New York Life, and Nationwide. ** Jackson National Life Insurance Company is a subsidiary of UK insurer Prudential plc. Learn how your comment data is processed. Many of the plans help to supplement expenses associated with travel, lodging, and meals to and from medical appointments or stays for family members under certain plans. Globally here are the 20 companies that top the list of market caps that have crossed and maintained over $100 billion. Eventually, they got License as an Insurer on July 7, 1980, and commenced operations on August 1 1980. Marsh, Aon, Willis Towers Watson, Gallagher, and several other brokerages on the Top 15 list operate globally. Executives rank the business world’s top CEOs. The company was founded by Carl Thieme and Wilhelm Finck in February of 1890. It forms its own network of people to promote the business or to have a direct sale of the product or service. The company provides a variety of insurance products and services related to these products. The … If someone purchases a 10-year policy, the insurance company gets to earn from the interest from the premiums until the contract expires or when the policyholder dies. They also offer fixed benefit dental and vision care plans, loss of income insurance including short term disability and life in the US, and critical illness care. Learn more about why. The companies business leaders admire the most—and are watching closely. Ping An Insurance. Industry: Financial Services. World Biggest Financial Services Companies by Market Value. On the insurance front, they offer international insurances complete with retirement plans as well as life. 06/30/2020: 9: State Farm Insurance: 294.820: 12/31/2019: 10: Jackson National ** 294.600: 06/30/2020 * John Hancock Life Insurance Company (USA) or JHUSA is a division of Manulife Financial Corporation, a Canadian company. 2 PwC Insurance 2020: Turning change into opportunity, January 2012 We have explored the five STEEP drivers to identify 32 factors that we believe will have an impact on the insurance industry (see Figure 2). Following is a list of the top insurance companies in the world ranked by total assets.