{"id":530,"date":"2024-06-13T17:18:28","date_gmt":"2024-06-13T14:18:28","guid":{"rendered":"https:\/\/www.swisscreditadvice.ch\/contact-us\/"},"modified":"2024-06-20T21:59:55","modified_gmt":"2024-06-20T18:59:55","slug":"contact-us","status":"publish","type":"page","link":"https:\/\/www.swisscreditadvice.ch\/en\/contact-us\/","title":{"rendered":"Contact us"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; specialty=&#8221;on&#8221; _builder_version=&#8221;4.25.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; specialty_columns=&#8221;2&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_row_inner _builder_version=&#8221;4.25.2&#8243; _module_preset=&#8221;default&#8221; transform_translate=&#8221;0px|59px&#8221; transform_translate_linked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column_inner saved_specialty_column_type=&#8221;1_2&#8243; _builder_version=&#8221;4.25.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_divider _builder_version=&#8221;4.25.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][et_pb_heading title=&#8221;Get in Touch&#8221; _builder_version=&#8221;4.25.2&#8243; _module_preset=&#8221;default&#8221; title_font=&#8221;||||||||&#8221; title_text_align=&#8221;center&#8221; title_font_size=&#8221;33px&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_heading][et_pb_text admin_label=&#8221;Contact Section Subtitle&#8221; _builder_version=&#8221;4.25.2&#8243; text_font_size=&#8221;16px&#8221; text_line_height=&#8221;1.9em&#8221; text_orientation=&#8221;center&#8221; max_width=&#8221;710px&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||-3px|||&#8221; animation_style=&#8221;fold&#8221; animation_direction=&#8221;bottom&#8221; animation_intensity_fold=&#8221;20%&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>  With Swiss Credit Advice you are on the right path to success!  <br \/>Contact us today and secure the best conditions &#8211; guaranteed!<\/p>\n<p>[\/et_pb_text][\/et_pb_column_inner][\/et_pb_row_inner][et_pb_row_inner column_structure=&#8221;1_2,1_2&#8243; use_custom_gutter=&#8221;on&#8221; make_equal=&#8221;on&#8221; _builder_version=&#8221;4.25.2&#8243; _module_preset=&#8221;default&#8221; transform_scale_linked=&#8221;off&#8221; transform_translate=&#8221;0px|66px&#8221; transform_translate_linked=&#8221;off&#8221; width=&#8221;98%&#8221; max_width=&#8221;100%&#8221; module_alignment=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column_inner type=&#8221;1_2&#8243; saved_specialty_column_type=&#8221;1_2&#8243; _builder_version=&#8221;4.25.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_blurb title=&#8221;E-Mail&#8221; use_icon=&#8221;on&#8221; font_icon=&#8221;&#xe076;||divi||400&#8243; icon_color=&#8221;#6eba01&#8243; image_icon_width=&#8221;60px&#8221; image_icon_width_last_edited=&#8221;off|desktop&#8221; admin_label=&#8221;Email&#8221; _builder_version=&#8221;4.16&#8243; header_font=&#8221;Montserrat||||&#8221; header_text_color=&#8221;#1f1f1f&#8221; header_font_size=&#8221;22px&#8221; header_line_height=&#8221;1.8em&#8221; body_font_size=&#8221;16px&#8221; body_line_height=&#8221;1.9em&#8221; text_orientation=&#8221;center&#8221; min_height=&#8221;218px&#8221; custom_margin=&#8221;|||-3px||&#8221; custom_padding=&#8221;1px|0px|30px|0px||&#8221; animation_style=&#8221;fold&#8221; animation_direction=&#8221;bottom&#8221; animation_delay=&#8221;200ms&#8221; animation_intensity_fold=&#8221;30%&#8221; border_width_all=&#8221;0px&#8221; border_color_all=&#8221;#e0e0e0&#8243; border_style_all=&#8221;solid&#8221; use_border_color=&#8221;on&#8221; border_color=&#8221;#e0e0e0&#8243; icon_font_size=&#8221;60px&#8221; icon_font_size_last_edited=&#8221;off|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><a href=\"mailto:info@swisscreditadvice.ch\">info@swisscreditadvice.ch<\/a><\/p>\n<p>[\/et_pb_blurb][\/et_pb_column_inner][et_pb_column_inner type=&#8221;1_2&#8243; saved_specialty_column_type=&#8221;1_2&#8243; _builder_version=&#8221;4.25.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_blurb title=&#8221;Phone&#8221; url=&#8221;http:\/\/wa.chatfuel.com\/swisscreditadvice&#8221; use_icon=&#8221;on&#8221; font_icon=&#8221;&#xe00b;||divi||400&#8243; icon_color=&#8221;#6eba01&#8243; image_icon_width=&#8221;60px&#8221; image_icon_width_last_edited=&#8221;off|desktop&#8221; _builder_version=&#8221;4.25.2&#8243; header_font=&#8221;Montserrat||||&#8221; header_text_color=&#8221;#1f1f1f&#8221; header_font_size=&#8221;22px&#8221; header_line_height=&#8221;1.8em&#8221; body_font_size=&#8221;16px&#8221; body_line_height=&#8221;1.9em&#8221; transform_translate=&#8221;0px|-4px&#8221; transform_translate_linked=&#8221;off&#8221; text_orientation=&#8221;center&#8221; min_height=&#8221;380px&#8221; custom_margin=&#8221;-179px||||false|false&#8221; custom_padding=&#8221;185px|10px|0px|0px|false|false&#8221; animation_style=&#8221;fold&#8221; animation_direction=&#8221;bottom&#8221; animation_delay=&#8221;100ms&#8221; animation_intensity_fold=&#8221;30%&#8221; link_option_url=&#8221;http:\/\/wa.chatfuel.com\/swisscreditadvice&#8221; border_width_all=&#8221;0px&#8221; border_color_all=&#8221;#e0e0e0&#8243; border_style_all=&#8221;solid&#8221; use_border_color=&#8221;on&#8221; border_color=&#8221;#e0e0e0&#8243; icon_font_size=&#8221;60px&#8221; icon_font_size_last_edited=&#8221;off|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><a href=\"http:\/\/wa.chatfuel.com\/swisscreditadvice\"><span style=\"color: #000000;\">+41 76 470 74 78<\/span><\/a><\/p>\n<p>[\/et_pb_blurb][\/et_pb_column_inner][\/et_pb_row_inner][et_pb_row_inner _builder_version=&#8221;4.25.2&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;37px|||||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column_inner saved_specialty_column_type=&#8221;1_2&#8243; _builder_version=&#8221;4.25.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_social_media_follow _builder_version=&#8221;4.25.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_social_media_follow_network social_network=&#8221;whatsapp&#8221; url=&#8221;http:\/\/wa.chatfuel.com\/swisscreditadvice&#8221; use_icon_font_size=&#8221;on&#8221; icon_font_size=&#8221;24px&#8221; _builder_version=&#8221;4.25.2&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#25D366&#8243; positioning=&#8221;fixed&#8221; position_origin_f=&#8221;center_left&#8221; global_colors_info=&#8221;{}&#8221; follow_button=&#8221;off&#8221; url_new_window=&#8221;on&#8221;]whatsapp[\/et_pb_social_media_follow_network][\/et_pb_social_media_follow][et_pb_divider _builder_version=&#8221;4.25.2&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;-52px||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][\/et_pb_column_inner][\/et_pb_row_inner][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_image src=&#8221;https:\/\/www.swisscreditadvice.ch\/wp-content\/uploads\/2024\/06\/AdobeStock_113811286-1.jpeg&#8221; title_text=&#8221;Swiss flag&#8221; _builder_version=&#8221;4.25.2&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||31px|||&#8221; animation_style=&#8221;fade&#8221; border_radii=&#8221;on|68px|68px|68px|68px&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;FAQ&#8221; _builder_version=&#8221;4.16&#8243; background_color=&#8221;#f1f5f7&#8243; custom_margin=&#8221;|||&#8221; custom_padding=&#8221;100px|0|100px|0px|true|false&#8221; border_radii=&#8221;||15vw||&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;2_3,1_3&#8243; _builder_version=&#8221;4.16&#8243; 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header_2_font_size_last_edited=&#8221;on|phone&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>General questions<\/h3>\n<p>[\/et_pb_text][et_pb_accordion closed_toggle_background_color=&#8221;#ffffff&#8221; icon_color=&#8221;#2f8cff&#8221; _builder_version=&#8221;4.25.2&#8243; toggle_font=&#8221;Montserrat|300|||||||&#8221; toggle_font_size=&#8221;20px&#8221; toggle_line_height=&#8221;1.6em&#8221; body_font=&#8221;Montserrat|300|||||||&#8221; body_font_size=&#8221;16px&#8221; body_line_height=&#8221;2em&#8221; transform_translate_linked=&#8221;off&#8221; animation_style=&#8221;zoom&#8221; animation_direction=&#8221;top&#8221; animation_intensity_zoom=&#8221;10%&#8221; border_radii=&#8221;on|10px|10px|10px|10px&#8221; border_width_all=&#8221;0px&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_accordion_item title=&#8221;What is a mortgage in Switzerland?&#8221; open=&#8221;on&#8221; _builder_version=&#8221;4.25.2&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>A mortgage in Switzerland is a loan that is secured by a property as collateral. It is often used to finance the purchase or construction of real estate.<\/p>\n<p>&nbsp;<\/p>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;What is the difference between Saron and fixed-rate mortgages?&#8221; _builder_version=&#8221;4.25.2&#8243; global_colors_info=&#8221;{}&#8221; open=&#8221;off&#8221;]<\/p>\n<p>Saron and fixed-rate mortgages are two different types of mortgage loan in Switzerland. The main difference lies in the way the interest rate for the loan is calculated:<\/p>\n<ul>\n<li>\n<p><strong>Saron mortgages:<\/strong><\/p>\n<ul>\n<li>The interest rate of a Saron mortgage is based on the Saron (Swiss Average Rate Overnight). This is a reference interest rate based on the average interest rates at which banks grant each other short-term loans. The interest rate of a Saron mortgage can change regularly, depending on the development of the Saron rate.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>Fixed-rate mortgages:<\/strong><\/p>\n<ul>\n<li>With fixed-rate mortgages, the interest rate remains constant for an agreed period (e.g. 1, 3, 5 or 10 years). This provides security for planning monthly payments, as the interest rate remains unchanged during the fixed term.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;What are the advantages and disadvantages of Saron and fixed-rate mortgages?&#8221; _builder_version=&#8221;4.25.2&#8243; global_colors_info=&#8221;{}&#8221; open=&#8221;off&#8221;]<\/p>\n<ul>\n<li>\n<p><strong>Saron mortgages:<\/strong><\/p>\n<ul>\n<li><em>Advantages:<\/em> Potentially lower interest rates as they are based on current market conditions.<\/li>\n<li><em>Disadvantages:<\/em> Changes in the interest rate can lead to increased monthly payments if the Saron rate increases.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>Fixed-rate mortgages:<\/strong><\/p>\n<ul>\n<li><em>Advantages:<\/em> Stable and predictable monthly payments during the fixed term.<\/li>\n<li><em>Disadvantages:<\/em> Potentially higher initial interest rates compared to variable rate Saron mortgages.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;  How do I choose between Saron and fixed-rate mortgages?&#8221; _builder_version=&#8221;4.25.2&#8243; global_colors_info=&#8221;{}&#8221; open=&#8221;off&#8221;]<\/p>\n<p>The choice between Saron and fixed-rate mortgages depends on your risk tolerance and your need for interest rate security:<\/p>\n<ul>\n<li>If you want to benefit from potentially lower interest rates and are prepared to take the risk of interest rate fluctuations, a Saron mortgage could be suitable.<\/li>\n<li>If you prefer stable and predictable monthly payments and are willing to accept possibly slightly higher interest rates, a fixed-rate mortgage would be a better choice.<\/li>\n<\/ul>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;Can I change my mortgage during the term?&#8221; _builder_version=&#8221;4.25.2&#8243; global_colors_info=&#8221;{}&#8221; open=&#8221;off&#8221;]<\/p>\n<p><span>Yes, in Switzerland mortgage holders usually have the option of changing their mortgage during the term. This can be done by switching to another provider in order to benefit from more favorable interest rates, or by changing the type of mortgage (e.g. from a variable Saron mortgage to a fixed-rate mortgage).<\/span><\/p>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;What factors influence the amount of a mortgage?&#8221; _builder_version=&#8221;4.25.2&#8243; global_colors_info=&#8221;{}&#8221; open=&#8221;off&#8221;]<\/p>\n<p>The amount of a mortgage is determined by various factors, including<\/p>\n<ul>\n<li><strong>Income and creditworthiness:<\/strong> The borrower&#8217;s financial situation and creditworthiness play a decisive role.<\/li>\n<li><strong>Property value:<\/strong> The value of the property to be financed influences the creditworthiness and the amount of the loan.<\/li>\n<li><strong>Equity:<\/strong> The higher the equity, the lower the interest rate can be and the less credit is required.<\/li>\n<li><strong>Interest rate and term:<\/strong> These factors determine the monthly charge and the total cost of the mortgage.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>[\/et_pb_accordion_item][\/et_pb_accordion][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.25.2&#8243; text_font=&#8221;Montserrat|300|||||||&#8221; text_font_size=&#8221;16px&#8221; text_line_height=&#8221;1.8em&#8221; header_font=&#8221;||||||||&#8221; header_2_font=&#8221;Montserrat|300|||||||&#8221; header_2_font_size=&#8221;40px&#8221; header_2_line_height=&#8221;1.5em&#8221; header_3_font=&#8221;Montserrat|300|||||||&#8221; transform_translate=&#8221;0px|17px&#8221; transform_translate_linked=&#8221;off&#8221; max_width=&#8221;600px&#8221; custom_margin=&#8221;-54px||9px|||&#8221; custom_margin_tablet=&#8221;0px|50px||50px&#8221; custom_margin_last_edited=&#8221;off|desktop&#8221; custom_padding=&#8221;8px|||||&#8221; header_2_font_size_tablet=&#8221;&#8221; header_2_font_size_phone=&#8221;30px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>About Swiss Credit Advice<\/h2>\n<p>[\/et_pb_text][et_pb_accordion open_toggle_text_color=&#8221;#ffffff&#8221; open_toggle_background_color=&#8221;#2f8cff&#8221; closed_toggle_text_color=&#8221;#ffffff&#8221; closed_toggle_background_color=&#8221;#2f8cff&#8221; icon_color=&#8221;#ffffff&#8221; _builder_version=&#8221;4.25.2&#8243; toggle_font=&#8221;Montserrat||||||||&#8221; toggle_font_size=&#8221;18px&#8221; toggle_line_height=&#8221;1.6em&#8221; body_font=&#8221;Montserrat||||||||&#8221; body_text_color=&#8221;rgba(255,255,255,0.8)&#8221; body_line_height=&#8221;1.9em&#8221; transform_translate=&#8221;-22px|0px&#8221; transform_translate_linked=&#8221;off&#8221; width=&#8221;114.7%&#8221; custom_margin=&#8221;|-50px|60px|||&#8221; animation_style=&#8221;zoom&#8221; animation_direction=&#8221;top&#8221; animation_intensity_zoom=&#8221;10%&#8221; border_radii=&#8221;on|10px|10px|10px|10px&#8221; border_width_all=&#8221;0px&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_accordion_item title=&#8221;Why Swiss Credit Advice?&#8221; open=&#8221;on&#8221; _builder_version=&#8221;4.25.2&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Swiss Credit Advice is backed by an experienced team of financial experts who offer independent and customized advice. Founded by investors with many years of experience in the financial and mortgage market, they work independently of banks to secure the best conditions for their clients. Its broad network of partner banks and its transparent, customer-oriented approach ensure that customers receive the best possible mortgage solutions. With modern technology and continuous support, Swiss Credit Advice offers a comprehensive service from the first consultation to the signing of the contract and beyond.<\/p>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;What does the service cost?&#8221; _builder_version=&#8221;4.25.2&#8243; global_colors_info=&#8221;{}&#8221; open=&#8221;off&#8221;]Swiss Credit Advice offers a success commission that is only payable in the event of a successful mortgage brokerage. The exact fee will be determined before the contract is concluded.[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;What advantages does Swiss Credit Advice offer its customers compared to direct bank loans?&#8221; _builder_version=&#8221;4.25.2&#8243; global_colors_info=&#8221;{}&#8221; open=&#8221;off&#8221;]Compared to direct bank loans, Swiss Credit Advice offers its customers a broader selection of loan offers from different banks, without any bias towards a specific bank. We offer objective advice tailored to individual needs and take care of all document processing to simplify the process for you.[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;How long does the typical process take from application to approval of a mortgage loan with Swiss Credit Advice?&#8221; _builder_version=&#8221;4.25.2&#8243; global_colors_info=&#8221;{}&#8221; open=&#8221;off&#8221;]At Swiss Credit Advice, we strive to make the process from inquiry to approval of a mortgage loan quick and smooth. Our experienced financial experts and our broad network of partner banks enable us to guarantee you the best conditions in the shortest possible time. The exact duration may vary, but on average we expect 2-4 weeks from the moment of the request to the finalization of the mortgage.[\/et_pb_accordion_item][\/et_pb_accordion][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Contact&#8221; _builder_version=&#8221;4.25.2&#8243; background_color=&#8221;#f4f4f4&#8243; background_image=&#8221;https:\/\/www.swisscreditadvice.ch\/wp-content\/uploads\/2024\/06\/AdobeStock_310993537-scaled.jpeg&#8221; custom_margin=&#8221;-109px|||||&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;bottom&#8221; animation_duration=&#8221;1600ms&#8221; animation_intensity_slide=&#8221;21%&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.25.2&#8243; background_color=&#8221;#f4f4f4&#8243; border_radii=&#8221;off|18px|18px||&#8221; custom_width_px=&#8221;710px&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; 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Contact us today and secure the best conditions &#8211; guaranteed!info@swisscreditadvice.ch+41 76 470 74 78General questionsA mortgage in Switzerland is a loan that is secured by a property as collateral. It is often used to finance the purchase or construction of real estate. &nbsp;Saron [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-530","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.swisscreditadvice.ch\/en\/wp-json\/wp\/v2\/pages\/530","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.swisscreditadvice.ch\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.swisscreditadvice.ch\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.swisscreditadvice.ch\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.swisscreditadvice.ch\/en\/wp-json\/wp\/v2\/comments?post=530"}],"version-history":[{"count":26,"href":"https:\/\/www.swisscreditadvice.ch\/en\/wp-json\/wp\/v2\/pages\/530\/revisions"}],"predecessor-version":[{"id":656,"href":"https:\/\/www.swisscreditadvice.ch\/en\/wp-json\/wp\/v2\/pages\/530\/revisions\/656"}],"wp:attachment":[{"href":"https:\/\/www.swisscreditadvice.ch\/en\/wp-json\/wp\/v2\/media?parent=530"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}