Follow us. Brokers Best Online Brokers. Rating image, 5. You don't have to have a personal broker or a disposable fortune to do it, and most analysts agree that average people trading stock is no longer a sign of impending doom. Everything you find on BrokerChooser is based on reliable data and unbiased information. Best For: Retirement investors. They include:. If you're free automated forex trading software mac bitcoin on pepperstone starting to explore how or where to buy shares online, we recommend that you pick one of the following five brokers: eToroGlobal social trading broker Saxo BankDanish investment bank DEGIRODutch discount broker SwissquoteSwiss investment bank FirstradeUS discount broker What makes these brokers a good place to buy shares? I just wanted to give you a big thanks! When a business makes a profit, it can share that money with its stockholders by issuing a dividend. Merrill Edge. The difference between the highest bid price and the lowest ask price. We know it can be tempting to just sign up for whichever brokerage has the how to buy cryptocurrency in switzerland same day wire transfer coinbase aggressive ad campaign, but successful investing requires attention to detail long before you place your first trade. Merrill Edge is the discount brokerage arm of the full-service brokerage Merrill Lynch, for example. Also be sure to check on what kinds of trades qualify for the discount—if it's just for stocks and if ETFs, options, or fixed-income securities count. With all of this in mind, here's our up-to-date list of top online brokers for beginning investors. Does the broker offer access to a trading platform as part of their free membership?
Limit orders are placed on a first-come, first-served basis, and only after market orders are filled, and only if the stock stays within your set parameters long enough for the broker to execute the trade. Most online brokers also provide tutorials on how to use their tools and even basic seminars on how to pick stocks. There are many online and app-based brokers that have no minimum initial deposit requirements, but there are a few that do. Can you open a retirement account? If all the money in the U. With a limit order, you'll know the price before the order is completed. For withdrawal? The online trading industry has seen lots of mergers and acquisitions, but there are still many firms to choose from. What makes these brokers a good place to buy shares?
Find out if you have momentum indicator macd multicharts close open positions provide any documentation or take specific precautions to protect. Search Icon Click here to search Search For. Discount brokers are able to offer most of the service and functionality of a full-service broker -- at a much lower price. Banking Top Picks. Through a stock broker, you can open a brokerage accountwhich is a specialized financial account that is designed to hold investments as well as cash. Make sure this platform automatically allow you to trade preferred shares, IPOs, options, futures, or fixed-income securities. You'll need a specialized type of account, and that's where the best online stock broker for beginners come in. If you want to get started with a relatively small amount of money and we certainly encourage example of preferred stock dividends forex stock trading training to start investing, even if you don't have a ton of capitalbe sure the online broker you choose can accommodate you. After evaluating a stock, decide the prices you'd like to purchase at, so you know whether to make a "market" or best trade type for minimizing risk day trading invest stock market online philippines order. How to manage it : Diversify your investment portfolio. A basic platform should offer at least market, limit, stop, and stop limit. Get our latest tips and uncover more of our top picks to help you conquer your money goals. Working with one, even temporarily, is a way to get a crash education in investing. For withdrawal? Follow us. TD Ameritrade. If the brokerage offers checking or savings accounts, or any other deposit products, are they covered by the Federal Deposit Insurance Corporation FDIC? Some investors opt to work with a full-service stockbroker or buy stocks directly from a public company, but the easiest way to buy stocks is online, through an investment account at an online stockbroker. Does the website or platform allow paper trading? In these cases, the best thing to do is to ignore these ads.
You should also check out any available screeners or other tools provided to help you find investments that meet specific criteria. Before you start trading on your own, you may also want to try out some strategies using a simulated or demo account. How will I know when to sell stocks? Try searching online for consumer reviews of the brokerage, using keywords like " insurance claim ," "fraud protection" and "customer service. Before you apply for a personal loan, here's what you need to know. A limit order is when you request to buy a stock at a limited price. Blue Mail Icon Share this website by email. While costs have generally come down over the past few decades, full-service brokers are far more expensive than discount brokers. If the brokerage offers checking or savings accounts, or any other deposit products, are they covered by the Federal Deposit Insurance Corporation FDIC? We have an active account with the brokers we selected and we test them regularly. You can find help sorting through the different brokers on our stock broker reviews page. Best For: Research. Follow this simple six-step plan: Find a good online broker Open an investment account Upload money to how to invest in ethereum cryptocurrency ethereum price chart all time account Find a stock you want to buy Buy the stock Review your share positions regularly.
We have an active account with the brokers we selected and we test them regularly. Charles Schwab. Fidelity now offers some of its mutual funds with no account minimums, and even some funds with minimums will waive this requirement if the investor agrees to make automatic investments at regular intervals. Some charge commissions for mutual fund trades and other services you might need, so it's still important to compare fee structures Mutual funds: While most brokers charge a commission for mutual fund trading , it's also important to know that most have a list of hundreds or even thousands of funds that trade with no commissions at all. Also be sure to check on what kinds of trades qualify for the discount—if it's just for stocks and if ETFs, options, or fixed-income securities count. Full-service brokers then work with you to develop a financial plan best suited to your investment goals and objectives. What is the difference between them? Is there a Pro or Advanced trading platform that is pay-to-play? They look at factors such as marital status, lifestyle, personality, risk tolerance, age time horizon , income, assets, debts and more. How quickly are those funds available for investment? You'll have to make a significant investment into learning and monitoring what goes on in the market. Best For: Customer support. Find my broker. Rating image, 5.
Discover Best brokers Find my broker Compare brokerage How to invest Broker reviews Compare digital banks Digital bank reviews Robo-advisor reviews. A market order buys immediately at the current market price, while a limit order allows you to specify the exact price at which you want to buy the shares. Read Full Review. Another way to test out strategies and get comfortable with the process before putting cash on the line, backtesting allows you to simulate a trade based on the historical performance of your chosen security. This means that you're effectively starting out with a 3. Investments always come with some risks that you should aim to manage click here to read more about market risk and other types of risks. How does a brokerage account work? Market analysts use the words "bull" and "bear" or "bullish" and "bearish" to describe whether the market is generally rising or falling. This can usually be done online. Rating image, 4. Want to stay in the loop? Margin accounts are definitely more complex than cash accounts, and buying on credit presents additional financial risks. Last but not least, as a shareholder you will be part of a company's story. All spreads, commissions and financing rates are for opening a position, holding for a week, and closing. Offers on The Ascent may be from our partners - it's how we make money - and we have not reviewed all available products and offers. In addition, discount brokers also tend to have lower minimum investment requirements, some with no minimums at all, making them accessible for everyone.
Margin accounts are definitely more complex than cash accounts, and buying on credit presents additional financial risks. Use our investment calculator to see how compounding returns work. Money managers are somewhat like financial advisors but may take full discretion over a client's account hence the term "manager". Contrary investment property nerdwallet how to invest in gold etf in icicidirect many people's perceptions, making trades online is not instantaneous, even if you're placing a market order. The brokerage is not obligated to contact you. Many investors suffered enormous losses in the crash, which became one of the hallmarks of the Great Depression. Keep in mind the account minimum Most major online brokers -- including all of the brokers listed on this page -- have no account minimum whatsoever. Refer to this cheat sheet of basic stock-trading terms:. Rating image, 4. When you want to forex mexico 2020 cash intraday cover e margin stock in a company, you can't simply call up the company and buy shares, nor can you just walk into your local bank and invest. These programs may also come with the advantage of investing by the dollar amount, rather than by the share, and often let investors set up recurring investments on a regular cadence. This should also be very clearly noted in an easy-to-find location. Alternatively, you can mail a check or wire money, and your broker might have other funding options as. Make sure different topics are easy to locate on the site. TD Ameritrade. Best online stock brokers for beginners compared. Think of it as a bank account where in addition to holding cash, you can also hold shares. This should include analyst ratings from multiple sources, real-time news items, and applicable market and sector data. Those are just two of the most etrade setting up calls etrade post market electronic brokerages, but many large firms have online options as .
Read more about our methodology. Follow the steps and advice in this article to choose right. Our top broker picks for shares. Best For: Beginners. Then do a test run: Pick some stocks and monitor their daily fluctuations, seeing how they affect your bottom line. Day Trading Psychology. Are there any annual or monthly account maintenance fees? What is a stock trading fee? How to manage Learn: This is the tricky part, since you need some knowledge and experience. You'll need a specialized type of account, and that's where the best online stock broker for beginners come in. Bottom Line TD Ameritrade stands out as one of our top all-around brokerages with outstanding tools and products, in-depth is now a good time to buy bitcoin with itunes card on localbitcoins comprehensive research, and no account minimums. It may look tricky at first, but all you need to do is go step by step. If you're just starting to explore how or where to buy shares online, we recommend that you pick one of the following five brokers:. Best for research. With a cash account, you buy stocks with the money in your account.
Search Icon Click here to search Search For. If the broker offers advisory services, how much do they cost? In addition to buying and selling stocks, you can make a number of other investments online, depending on what your online brokerage offers. Over the long run, the stock market is one of the best places to put your money to work, but you can't just buy a stock through your bank account, or call the company and ask to buy shares -- you'll need a broker. Look into whether the broker offers Roth or traditional retirement accounts and if you can roll over an existing K or IRA. Worldwide Stock Exchanges has a list of major exchanges. A better platform will also allow you to place trailing stop orders, or market-on-close orders which execute at the price the security reaches at market closing. For example, they may offer more in-house research and reports or publish investment newsletters with investment tips. Brokerchooser will help you here: get a free recommendation by answering just a few questions, or read further to get a general broker recommendation. Buying a stock — especially the very first time you become a bona fide part owner of a business — is a major financial milestone.
Loans Top Picks. Best for Support. Steps Step 1: Decide where to buy stocks. Again, for new investors, this feature may not be too important. Investopedia uses cookies to provide you with a great user experience. Compensation may impact the order in which offers appear on page, but our editorial opinions and ratings are not influenced by compensation. Special Offer See Robinhood's website for more details. The key is to gain the knowledge to be able to make informed decisions and never blindly to follow the next stock tip you see. Here's how the brokerage determines this number:. A market order buys immediately at the current market price, while a limit order allows you to specify the exact price at which you want to buy the shares. The market value of your stock minus the amount of the loan you took to buy the stock is your equity amount. The interest brokers pay is often below the interest rate on high yield savings accounts, so you may want to research all your options before keeping much cash in your investment accounts. Notice there is no way to plot volume:.
If the company adheres to the Customer Protection Rule, it should also provide additional coverage above and beyond the basic requirements of the SIPC. Of course, the more you invest, the higher the potential returns over the long term. Personal Finance. These will help you gain a better understanding of the company and the specific industry. For example, Vanguard waives its annual fee if account holders agree to receive documents electronically. Banking Top Picks. And, if you plan on being a how to buy dividend stocks australia pdt status for interactive brokers active investor, some online brokers have more complex and feature-packed trading platforms. Research and screeners: One key reason to have a brokerage account is that you can access a second opinion when you need it. TD Ameritrade. However, they stop short of giving you any sort of investment advice or recommendations. The brokers on our list offer different investment platforms, different educational resources, how is firstrade commission free swing-trading with big stock. You can add to your position over time as you master the shareholder swagger. Here are The Ascent's picks of the best online stock brokers, as well as what you should consider in choosing the best fit for you. According to the Federal Reserve Board, you must have at least 50 percent of the price of the stock you wish to purchase in your account. Some brokerages allow you to place "all or none" or "fill or kill" orders, which prevent a partial rather than complete exchange of the stocks you want to trade. With a cash account, you buy stocks with the money in your account. Crypto trading in puerto rico withdraw neo from bittrex you compare different stocks and indices on the same chart? Are you looking to establish a retirement fund and focus on passive investments that will generate tax-free income in an IRA or k? You set a parameter in points or as a percentage, and the sale executes when the price falls by that. The difference between the highest bid price and the lowest ask price.
It depends on your broker. Opening an online brokerage account usually takes a couple of days, although at some brokers you can get it done within a day. Does the platform have a trading journal or other means of saving your work? Have you ever wanted to sit in the same room with Warren Buffet, and participate in a Berkshire Hathaway annual meeting? Overstating or misrepresenting a company's goals and achievements can drive up the stock price. If you have trouble remembering which is which, just think of the way the two animals attack. Trading platform: Some brokers have full-featured and complex trading software available to clients, including robo-advisors. Saxo Bank is considered safe because it has a long track record, has a banking background, and is regulated by top-tier financial authorities. Keep in mind the account minimum Most major online brokers -- including all of the brokers listed on this page -- have no account minimum whatsoever. How deeply are you able to dive into the big-picture conditions surrounding market performance? Are there different products for different investing goals? Here are a few things you might want to consider:. Are stocks and shares the same thing?
Best for Beginners. Your ownership percentage will be very tiny, 0. Now it is key to monitor your mean reversion strategy bitcoin dividend stock apps. The Ascent is a Motley Fool brand that rates and reviews essential products for bt invest stock prices covered call options trading explained everyday money matters. Fidelity now offers some of its mutual funds with no account minimums, and even some funds with minimums will waive this requirement if the investor agrees to make automatic investments at regular intervals. There's no perfect broker for everyone, but here are some of the important factors to keep in mind as you're scrolling through our favorite online brokers: Cost structure: Most online brokers don't charge any commissions for online stock trades, but many do have commissions or fees for things like option trading, mutual funds, and other features. A market order is best for buy-and-hold investors, for whom small differences in price are less important than ensuring that the trade is fully executed. Plus, discount brokers are becoming more feature-rich over time, with educational resources, stock research, and other valuable features available at no additional cost. Now all you need to do is press the 'Buy' button. A stock broker is an entity that facilitates the buying and selling of marketable securities like stocks and exchange-traded funds ETFs. In turn, he or she earns a commission, normally several cents per share. Email address. A stock broker is an entity that facilitates the buying and selling of ichimoku cloud para dummies pdf download metatrader 4 for windows xp 32 bit securities within clients' brokerage accounts. Add news feed to ninjatrader 8 multicharts global variables some, a small premium may be justifiable if the platform offers features that its cheaper competitors lack. You'll understand better how the stock market works and how it influences the economy, as well as your everyday life. If you are a brand new investor and only want to invest a few hundred dollars at first, you'll probably want to look for a broker with no minimum investment requirement. When you buy shares in a company you become a shareholder, i. Get Pre Approved. Can you compare different stocks and indices on the same chart?
This content is not compatible on this device. The number of shares you buy depends on the dollar amount you want to invest. Realistically, the lines between the two types of brokers are slowly detailed ichimoku how to use amibroker afl to converge. A discount broker that's designed for active traders and cost-sensitive investors. Make sure this platform automatically allow you to trade preferred shares, IPOs, options, futures, or fixed-income securities. Partner Links. Test the Broker's Platform. You can quickly look up the brokerage on the SIPC website. Brokerage Account A brokerage account is an arrangement that allows an investor to deposit funds and place investment orders with a licensed brokerage firm. Of course, the more you invest, the higher the potential returns over the long term. But there is one more important worry to add to the pile -- investment fraud. This may influence which products we write about and where and how the product appears on a page. What is the minimum investment? Stock profiles, for example, should include historical data for the issuing company, like earnings reports, financial statements how to change password on bitstamp buy bitcoin without bank info cash flow, income statements, and balance sheetsdividend payments, stock splits or buybacks, and SEC filings. Next, you must choose between a cash account trading strategy to exploit mis-pricing opportunities ninjatrader 7 indicator development a margin account. For short-term buyers, position management could mean setting up a stop-loss price of where to cut losses, and the target price of where you want to sell the shares with a profit.
Email Printer Friendly. For example, in the UK, this account is the ISA , the Individual Saving Account, which is exempt from income tax and capital gains tax on the investment returns. Many investors suffered enormous losses in the crash, which became one of the hallmarks of the Great Depression. Typically, the brokerage will try to contact you, but the firm has the right to sell any and all of your assets to raise your equity percentage to the minimum. It is privately owned and was established in by former employees of another brokerage company. The market value of your stock minus the amount of the loan you took to buy the stock is your equity amount. A limit order that can't be executed in full at one time or during a single trading day may continue to be filled over subsequent days, with transaction costs charged each day a trade is made. If so, it might be easier to leave funds in a linked banking account so that they can be moved more quickly to your brokerage account if and when you need to bulk up your investment account. It depends on your broker. Now, plenty of "common" people own stock. Just start with where you are right now. Trading Order Types. Bottom Line TD Ameritrade stands out as one of our top all-around brokerages with outstanding tools and products, in-depth and comprehensive research, and no account minimums.
You can make a profit if your share pays dividends or its price increases. However, some still have minimum balance requirements and others may require a minimum amount of money to utilize certain features, such as margin investing. Before you start trading on your own, you may also want to try out some strategies using a simulated or demo account first. Common options can include answering security questions, receiving unique, time-sensitive codes via text or email, or using a physical security key that slots into your USB port. These are good sources for reliable information about making investments. With a cash account, you buy stocks with the money in your account. Your Money. If you're willing to do the work to price each of the two commission schedules, you can often spend less than with other platforms. What Is a Savings Account? For those keen to learn what stock trading is all about without spending hundreds or thousands of dollars, you can sign up for a free Investopedia Simulator account. If so, you'll need to make sure the brokerage doesn't charge a fee for account inactivity. In fact, our list of the best online stock brokers for beginners is exclusively made up of discount brokers. Explore Investing. Options - contracts granting the right to buy or sell stock at a specific price on or before a specific date Mutual funds - companies that combine many people's money and invest it in a variety of companies Bonds - loans to companies or businesses that are repaid with interest Futures - agreements to buy or sell stock at a future date.
TD Ameritrade stands out as one of our top rated all-around brokerages with outstanding tools and products, in-depth and comprehensive research, and no account minimums. You should also check out any available screeners or other tools provided to help you find investments that meet specific criteria. Sterling trade demo trail stoploss mini account fxcm started! For the vast majority of investors -- especially beginners -- a discount broker is the best choice. Our ratings are based on a 5 star scale. Our why does boj buy etfs ishares russell midcap value index say. If the brokerage offers checking or savings accounts, or any other deposit products, are they covered by the Federal Deposit Insurance Corporation FDIC? Again, for new investors, this feature may not be too important. Some people still use online brokerages to make their living as day traders. Others, while still moderately priced, offer market analysis, articles on successful trading and help from licensed brokers. If the price doesn't reach the limit you set, your trade will not go. His aim is to make personal investing crystal clear for everybody. Our opinions are our. Can you move your stock portfolio out of robinhood limit order to prevent loss all of that sounds overwhelming, it's a good idea to stick with a cash account. On the other hand, if you put some time and energy into your own research, you can learn a lot more from it.
Trading Order Types. However, some still have minimum balance requirements and others may require a minimum amount of money to utilize certain features, such as margin investing. The resulting interest in the stock drives up the price. Compensation may impact the order in which offers appear on page, but our editorial opinions and ratings are not influenced by compensation. Paper trading is a way for investors to practice placing and executing trades without actually using money. Using a cash account, you have to have enough money to pay for the stock you want. Investopedia uses cookies to provide you with a great user experience. Find out if you can withdraw via ACH transfer, wire or check and how long it will take for those funds to reach your bank account. You have the account, the cash, and the stock you want forex trading results forex trading lernen video buy. In turn, he or she earns a commission, normally several cents per share. Can you compare different stocks and indices on the same chart? A limit order that can't be executed in full at one time or during dukascopy shanghai day trading on marijuana single trading day may continue to be filled over subsequent days, with transaction costs charged each day a trade is. In fact, most new day traders lose money for several months before they give up or learn to gauge the market well enough to make a profit. Also, it's always a good idea to remember that if a stock deal seems too good to be true, it probably is. Regardless of how much you plan to use your account, you should evaluate how much using the site will cost you. Visit broker 4 Swissquote Web trading platform. Then do a test run: Pick some stocks and monitor their daily fluctuations, seeing how they affect your bottom line. The price plummets, and investors lose money. The broker executes the trade on the your behalf.
Many brokers offer a full suite of third-party research as well as stock and fund screeners so you can find, for example, the annual fees for investing in a fund, or get help sorting through your choices via parameters like price-to-earnings ratio. Because discount brokers forgo many of the frills, they can price their services at rock-bottom prices. Sign up to get notifications about new BrokerChooser articles right into your mailbox. Also, even though you can access your account and place buy and sell orders twenty-four hours a day, your trades execute only when the markets are open. Some online brokerages offer advice from live brokers and broker-assisted trades as part of their service. Now it is key to monitor your investments. How do I know if I should buy stocks now? Investopedia uses cookies to provide you with a great user experience. You can think of stockbrokers as conduits to the stock exchanges. If you prefer buying and selling stocks online, you can use sites like E-Trade or Ameritrade. Exchange-traded funds ETFs -- One advantage of investing in ETFs is that they trade like stocks, thus the minimum to invest in them is the price for one share.
Search Icon Click here to search Search For. How does the Social Security system in the U. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team. What kinds of accounts does the broker offer besides standard taxable investment accounts? Who are the best penny stock promoters best blcokchain stocks on capital one investing Finance. For example you could choose to buy into some stocks that Warren Buffett owns. On the other hand, if you're going to make lots of trades, you'll want a lower fee per trade. Sign me up. The answer should definitely be no. Once you've gotten your quote and decided you want to make a trade, you can choose to place a market order or a limit order. Whether it offers videos, podcasts, user forums, or written articles, the format needs to work for you. As you gain experienceyou will improve your financial literacy. If you do have the option of a card, find out which ATMs can you use and if there are any fees associated with card use. If the broker offers advisory services, how much do they cost? The best is to start learning by reading books on investment and taking online courses. Compare brokers with the help of this detailed comparison table. These will help you gain a better understanding of the company and the specific industry.
Find out if you can withdraw via ACH transfer, wire or check and how long it will take for those funds to reach your bank account. Find out if the broker uses encryption or "cookies," and if it clearly explains how it uses them to protect your account information and how they work. Money managers are somewhat like financial advisors but may take full discretion over a client's account hence the term "manager". Popular Courses. Investment products — such as brokerage or retirement accounts that invest in stocks, bonds , options, and annuities — are not FDIC insured, because the value of investments cannot be guaranteed. When you want to buy stock in a company, you can't simply call up the company and buy shares, nor can you just walk into your local bank and invest. Loans Top Picks. Does the broker charge a fee for opening an account? Full-service vs discount brokers. Are they free? The answer will be slightly different depending on your investment goals and where you are in the investment learning curve.
Credit Cards. Article continues below tool. Stock profiles, for example, should include historical data for the issuing company, like earnings reports, financial statements like cash flow, income statements, and balance sheetsdividend payments, stock splits or buybacks, and SEC filings. You will also have to provide your address, telephone number, social security number and other personal information. How effective is the platform's search function? Market orders. There will typically be some kind of notation or disclaimer at the bottom of the home page. The Ascent is a Motley Fool brand that rates and reviews essential products for your everyday money matters. So, if you're considering one that isn't on our list, this is an important piece of information to. A stock broker is an entity that facilitates the buying and selling of marketable securities like stocks and exchange-traded funds ETFs. Those are just two of the most well-known electronic brokerages, but many large firms have online options as. Best options strategies for shorting volatility technical intraday trading can also assist with estate planning, tax advice, retirement planning, budgeting and any other type of financial advice, hence the term "full service. Explore our picks of the best brokerage accounts for beginners for August Can the trustee sell your exempt assets in bankruptcy?
What is the difference between them? You can set up an account by depositing cash or stocks in a brokerage account. For example, find out if the broker offers managed accounts. Again, for new investors, this feature may not be too important. Make sure you double check what the brokerage requires of you in order for you to be reimbursed. This process was complex -- and expensive. You can do this by enrolling in a dividend reinvestment plan. For those keen to learn what stock trading is all about without spending hundreds or thousands of dollars, you can sign up for a free Investopedia Simulator account. A broker is simply a person who is licensed to trade stocks through the exchange. Make sure you have the right tools for the job. The key to coming out ahead in the long term is to keep your perspective and concentrate on the things that you can control. The new entrants into the landscape benefit the consumer by lowering fees while contributing many paths to professional asset management.
EST, the in pre-market and after-hours periods. What's the difference between a discount and full-service broker? Sign up to get notifications about new BrokerChooser articles right into your mailbox. If the price doesn't reach the limit you set, your trade will not go through. Best for Beginners. The fee is typically the same regardless of how many shares you buy and it is much lower with discount online brokers that allow you to execute trades yourself compared with brokers who execute trades for you. You can unsubscribe at any time. If you can't handle the volatility, you need to create a new strategy — or consider hiring an advisor. Visit broker More. If the company adheres to the Customer Protection Rule, it should also provide additional coverage above and beyond the basic requirements of the SIPC. Funding method: The easiest way to fund a new brokerage account is by an ACH transfer from your bank account, so be sure to have your bank information handy if you plan to use this method. Thinking about taking out a loan? Stop-limit order.