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<?xml version='1.0' encoding='UTF-8'?><?xml-stylesheet href="http://www.blogger.com/styles/atom.css" type="text/css"?><feed xmlns='http://www.w3.org/2005/Atom' xmlns:openSearch='http://a9.com/-/spec/opensearchrss/1.0/' xmlns:blogger='http://schemas.google.com/blogger/2008' xmlns:georss='http://www.georss.org/georss' xmlns:gd="http://schemas.google.com/g/2005" xmlns:thr='http://purl.org/syndication/thread/1.0'><id>tag:blogger.com,1999:blog-6190614762911118442</id><updated>2025-07-31T00:18:45.241-07:00</updated><category term="6 Proven Tips For Discounts"/><category term="Buy Home Insurance"/><category term="Home Insurance Rate"/><category term="House Insurance Quote"/><title type='text'>Best Home Insurance</title><subtitle type='html'>Find all the information you need to choose the best home insurance</subtitle><link rel='http://schemas.google.com/g/2005#feed' type='application/atom+xml' href='http://best-home-insurance.blogspot.com/feeds/posts/default'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/6190614762911118442/posts/default'/><link rel='alternate' type='text/html' href='http://best-home-insurance.blogspot.com/'/><link rel='hub' href='http://pubsubhubbub.appspot.com/'/><author><name>bobo</name><uri>http://www.blogger.com/profile/14645332531279923640</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><generator version='7.00' uri='http://www.blogger.com'>Blogger</generator><openSearch:totalResults>4</openSearch:totalResults><openSearch:startIndex>1</openSearch:startIndex><openSearch:itemsPerPage>25</openSearch:itemsPerPage><entry><id>tag:blogger.com,1999:blog-6190614762911118442.post-1427576898147410408</id><published>2010-11-30T05:04:00.000-08:00</published><updated>2010-11-30T05:04:36.360-08:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="Home Insurance Rate"/><title type='text'>Six Ways to Attract Huge Savings to Cheap Home Insurance Rate</title><content type='html'><div class="separator" style="clear: both; text-align: center;"><a href="http://best-home-insurance.blogspot.com/" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="320" src="http://www.insuranceplanavenue.com/wp-content/uploads/2010/01/cheap-homeowners-insurance.jpg" width="320" /></a></div><div class="separator" style="clear: both; text-align: center;"><a href="http://best-home-insurance.blogspot.com/" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="240" src="http://www.homeinsurancedetails.com/images/float/mobile-home-insurance-quote.jpg" width="320" /></a></div><div class="separator" style="clear: both; text-align: center;"><a href="http://best-home-insurance.blogspot.com/" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="212" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgPVE3kLWiBbUHcuYSZFIpL-jFNszGhj-wraXrR-lSrHP6SNcIu6DKhORRX7Erd7D5vdRYg2Hbec6EU_DnGmudcPIbQZ4cLEOBMD8Vbpur4TF9RZB71aKqa_pWYxUDbbWFlDiiUWPuoyVE/s320/familyhouse.jpg" width="320" /></a></div><div class="separator" style="clear: both; text-align: center;"><a href="http://best-home-insurance.blogspot.com/" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="240" src="http://www.homeinsurancedetails.com/images/float/home-owner-insurance-rate.jpg" width="320" /></a></div><br />Do you want to pay less? Then you have to spend some time to understand the things you'd have to do to reach your goal. I've provided enough tips to help the greater majority make savings of up to 50% on their homeowners insurance policy...<br /><br />1. Install smoke and fire detectors. Install the right numbers of smoke and fire detectors for your size and type of home if you intend to use this to get more affordable premiums. Furthermore, don't forget to change their batteries as often as required.<br /><br />With these fires will be spotted on time and put off more easily before they can do any serious damage. Do NOT forget that whatever lowers the likelihood of a fire in your home lowers your homeowner insurance premium.<br /><br />2. A group policy gets you more affordable rates. It is also good to check with associations you belong to if they have any group discount from any insurance carrier.<br /><br />I will, however, advise that you still get and compare quotes from other insurance companies that your association may have no affiliations with. You can find an insurer that your association has no form of affiliations with that gives your profile a far cheaper premium. Doing extensive shopping will enable you get the cheapest rates.<br /><br />3. Fixing special security and fire systems that are monitored 24/7 is a wise step. Not only will you enjoy a considerable discount, you will as well feel safer bearing in mind that your house is constantly monitored. Notwithstanding that the discount this will attract will differ from one insurance company to another, you can expect to bring down your home insurance rate by as much as 25%.<br /><br />4. Window locks on every window will help you save because they reduce your home's risk of burglary. Look forward to pay far cheaper homeowners insurance rates if you've windows that have burglary-proof bars Therefore, if you are okay with having burglary-proof bars in your home, have them fixed and you will pay much less in your homeowners insurance rate.<br /><br />5. Make sure that the exterior of your home is fire-safe and your premium will be more affordable. You'll do well if you don't have anything that's inflammable around your home. Even though cutting bushes around your home looks simple, you'll pay cheaper home owner insurance premiums if you do keep them at a distance of at least 10 feet from your building. This is because how fire-safe a house is goes a long way in affecting what it will cost to insure that home.<br /><br />6. You will save much money in home insurance if you obtain and compare quotes. You will make savings if you visit only one quotes site. But, you'll get better results by using at least five.<br /><br />Chimezirim Odimba writes on insurance.<br /><br />Article Source:Chimezirim_Chinecherem_Odimba<br />&nbsp;</content><link rel='replies' type='application/atom+xml' href='http://best-home-insurance.blogspot.com/feeds/1427576898147410408/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://best-home-insurance.blogspot.com/2010/11/six-ways-to-attract-huge-savings-to.html#comment-form' title='19 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/6190614762911118442/posts/default/1427576898147410408'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/6190614762911118442/posts/default/1427576898147410408'/><link rel='alternate' type='text/html' href='http://best-home-insurance.blogspot.com/2010/11/six-ways-to-attract-huge-savings-to.html' title='Six Ways to Attract Huge Savings to Cheap Home Insurance Rate'/><author><name>bobo</name><uri>http://www.blogger.com/profile/14645332531279923640</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgPVE3kLWiBbUHcuYSZFIpL-jFNszGhj-wraXrR-lSrHP6SNcIu6DKhORRX7Erd7D5vdRYg2Hbec6EU_DnGmudcPIbQZ4cLEOBMD8Vbpur4TF9RZB71aKqa_pWYxUDbbWFlDiiUWPuoyVE/s72-c/familyhouse.jpg" height="72" width="72"/><thr:total>19</thr:total></entry><entry><id>tag:blogger.com,1999:blog-6190614762911118442.post-1476817245331447079</id><published>2010-11-30T04:43:00.000-08:00</published><updated>2010-11-30T04:43:02.326-08:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="6 Proven Tips For Discounts"/><title type='text'>Best Home Owner Insurance</title><content type='html'><div class="separator" style="clear: both; text-align: center;"><a href="http://best-home-insurance.blogspot.com/" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="246" src="http://www.texasinsuranceplace.com/images/Insurance%20Pictures/auto-home-family.jpg" width="320" /></a></div><div class="separator" style="clear: both; text-align: center;"><a href="http://best-home-insurance.blogspot.com/" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="213" src="http://carautoinsurancequote.info/wp-content/uploads/2009/08/home-owners-insurance.jpg" width="320" /></a></div><div class="separator" style="clear: both; text-align: center;"><a href="http://best-home-insurance.blogspot.com/" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="240" src="http://howtobuyhomeownersinsurance.com/images/home_ownder_insurance.jpg" width="320" /></a></div><div class="separator" style="clear: both; text-align: center;"><a href="http://best-home-insurance.blogspot.com/" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="201" src="http://www.insuranceli.com/images/asheville-luxury-home.jpg" width="320" /></a></div><div class="separator" style="clear: both; text-align: center;"><a href="http://best-home-insurance.blogspot.com/" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="212" src="http://www.marketfinancialgrp.com/public/images/homeXSmall.jpg" width="320" /></a></div>*You will as well get a discount if you have motion-sensitive lighting on your property. Your house becomes a no-go area for thieves as they'll be spotted easily. Your homeowners' insurance rate will be lower once you've reduced your home's risk of burglary with this type of lighting.<br /><br />*Try to NOT let your ladders lie around within everybody's reach. You might be helping burglars with the very tools required for their operation. Do not also leave your tools, machinery or such on the lawn or wherever in the open as they could result to accidental injury and add to your liability claims. They also make breaking and entry much easier for burglars. Keeping these things properly will save you a lot of heartaches along with more affordable premiums.<br /><br />*It's more expensive and needless to insure the land on which your house is built. Some people spend much more than they should on home insurance due to this mistake. You've made same mistake if you insured your house for the price you purchased it without finding out the cost of the land it's built on and deducting it.<br /><br />If you did such ignorantly, you need to review your home insurance coverage and check it again with your agent. Deduct the price of the land and you will find out that you will need far less coverage.<br /><br />Your homeowners' insurance rate will be less and you'll still have sufficient coverage if you do this right. Bear it in mind that insuring the land your house is built on is plain waste of money since it does you no good whatsoever.<br /><br />*Choosing to pay your premiums monthly leads to higher homeowners insurance rates than you'd pay if you decide to pay yearly. Your insurance carrier sends 12 notices for monthly payments as against one for annual payments. This costs them more.<br /><br />The cost increases if you add the fact that they pay transaction charges for processing each check you give them monthly as payment. 12 checks mean 12 transactions which mean 12 separate transaction charges. And as with every other thing, it's you the customer or policy holder who bears that cost.<br /><br />You will get considerable savings if you begin to pay annually. You could save up to a month's premium within a year.<br /><br />*Having your premium deducted automatically from your account will get you cheaper premiums. Simply tell your bank that you intend to set up an EFT (Electronic Fund Transfer) in favor of your insurance provider. Apart from being more convenient, you will receive a discount for this.<br /><br />*You can lower your home insurance rates by getting and comparing quotes from at least five good quotes sites.<br /><br />Article Source:Chimezirim_Chinecherem_Odimba</content><link rel='replies' type='application/atom+xml' href='http://best-home-insurance.blogspot.com/feeds/1476817245331447079/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://best-home-insurance.blogspot.com/2010/11/best-home-owner-insurance.html#comment-form' title='1 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/6190614762911118442/posts/default/1476817245331447079'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/6190614762911118442/posts/default/1476817245331447079'/><link rel='alternate' type='text/html' href='http://best-home-insurance.blogspot.com/2010/11/best-home-owner-insurance.html' title='Best Home Owner Insurance'/><author><name>bobo</name><uri>http://www.blogger.com/profile/14645332531279923640</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><thr:total>1</thr:total></entry><entry><id>tag:blogger.com,1999:blog-6190614762911118442.post-4832756240285015423</id><published>2010-11-30T03:52:00.000-08:00</published><updated>2010-11-30T03:52:34.892-08:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="House Insurance Quote"/><title type='text'>Get Dirt Cheap Rates Without Putting Yourself at Risk</title><content type='html'><div class="separator" style="clear: both; text-align: center;"><a href="http://compareinsurancecompanies.net/wp-content/uploads/2010/09/home-insurance-companies.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="213" src="http://compareinsurancecompanies.net/wp-content/uploads/2010/09/home-insurance-companies.jpg" width="320" /></a></div><div class="separator" style="clear: both; text-align: center;"><a href="http://freehomeinsurancequote.net/wp-content/uploads/2010/07/home-insurance-cost.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="400" src="http://freehomeinsurancequote.net/wp-content/uploads/2010/07/home-insurance-cost.jpg" width="267" /></a></div><div class="separator" style="clear: both; text-align: center;"><a href="http://freehomeinsurancequote.net/wp-content/uploads/2010/02/Discount-Home-Insurance-1024x745.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="232" src="http://freehomeinsurancequote.net/wp-content/uploads/2010/02/Discount-Home-Insurance-1024x745.jpg" width="320" /></a></div><div class="separator" style="clear: both; text-align: center;"><a href="http://activerain.com/image_store/uploads/3/1/2/9/1/ar123324358419213.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="174" src="http://activerain.com/image_store/uploads/3/1/2/9/1/ar123324358419213.jpg" width="320" /></a></div><div class="separator" style="clear: both; text-align: center;"><a href="http://webandising.com/__oneclick_uploads/2010/05/fs-web-line01.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="240" src="http://webandising.com/__oneclick_uploads/2010/05/fs-web-line01.jpg" width="320" /></a></div>Who else wants a dirt cheap house insurance quote that does NOT mean putting up with inadequate coverage? Here are things that will help you save and still enjoy the best coverage for you...<br /><br />It is very important that you know what your coverage needs are. This will mean getting better educated in coverage types and who they are for. Getting too much <b>coverage is plain waste</b> of hard-earned cash. On the other hand, getting insufficient coverage is definitely too expensive for anyone in their right mind -- The whole purpose of being insured is then defeated.<br /><br />When you are sure of what you need, explore ways of getting your needs met without paying top price. For example, did you know that you'll save a lot more and still enjoy superior coverage if you cut down the liability part of your <b>home insurance policy</b> to the barest minimum and then get an umbrella policy instead?<br /><br />Furthermore, do you know that the liability coverage you get from an umbrella policy could also help you save across other policies? Please, do discuss your options on this with your agent.<br /><br />Also, take note that the following will help you save much...<br /><br />1. Raising your deductible.<br /><br />2. Maintaining an excellent credit.<br /><br />3. Having sprinklers in your home.<br /><br />4. Fitting alarms.<br /><br />5. Having deadbolt locks on every exterior door. It also helps to have them on your windows.<br /><br />6. Motion-sensitive lights that give burglars a hard time.<br /><br />7. Buying a home close to a police and/or fire station.<br /><br />8. Avoiding a home with a swimming pool or ensuring you take recommended safety measures.<br /><br />9. Ensuring there's NO smoker in your home.<br /><br />10. Getting and comparing home or house insurance quotes from a wide range of insurers. Now don't treat this lightly. It take only a few minutes but could save you several hundreds. And, don't forget: Quotes have no obligations attached. This means that you are NOT bound to do business with a company or agent because you received quotes from them.<br /><br />Take advantage of quotes sites for your comparison shopping -- It's faster, more convenient and much more effective than attempting to make calls. Just make sure you get quotes from A rated companies. Lower rates must NOT compromise coverage quality.<br /><br />Visit these pages for cheap home insurance quotes...<br /><br />InsureMe Home Insurance Quotes<br />Home Insurance Quotes<br /><br />Chimezirim Odimba writes on insurance.<br /><br />Article Source:Chimezirim_Chinecherem_Odimba<br />&nbsp;&nbsp;</content><link rel='replies' type='application/atom+xml' href='http://best-home-insurance.blogspot.com/feeds/4832756240285015423/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://best-home-insurance.blogspot.com/2010/11/get-dirt-cheap-rates-without-putting.html#comment-form' title='1 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/6190614762911118442/posts/default/4832756240285015423'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/6190614762911118442/posts/default/4832756240285015423'/><link rel='alternate' type='text/html' href='http://best-home-insurance.blogspot.com/2010/11/get-dirt-cheap-rates-without-putting.html' title='Get Dirt Cheap Rates Without Putting Yourself at Risk'/><author><name>bobo</name><uri>http://www.blogger.com/profile/14645332531279923640</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><thr:total>1</thr:total></entry><entry><id>tag:blogger.com,1999:blog-6190614762911118442.post-8080596174628084374</id><published>2010-11-30T02:18:00.000-08:00</published><updated>2010-12-01T04:14:20.716-08:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="Buy Home Insurance"/><title type='text'>Buy Home Insurance PK7PEJFKPWS4</title><content type='html'><div class="separator" style="clear: both; text-align: center;"><a href="http://t2.gstatic.com/images?q=tbn:ANd9GcSFJjzFERPndlKQmrHThAmfbEJCnLIEzdGD1tIIq0arcLORUCdpFA" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://t2.gstatic.com/images?q=tbn:ANd9GcSFJjzFERPndlKQmrHThAmfbEJCnLIEzdGD1tIIq0arcLORUCdpFA" /></a></div><div class="separator" style="clear: both; text-align: center;"><a href="http://landlords2010.yolasite.com/resources/201.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="240" src="http://landlords2010.yolasite.com/resources/201.jpg" width="320" /></a></div><div class="separator" style="clear: both; text-align: center;"><a href="http://t0.gstatic.com/images?q=tbn:ANd9GcQoAtabm4MHSkzCNKGDoVII2Mc7NNyd3X_A-IvMwcqREJ0L-Sbtwg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://t0.gstatic.com/images?q=tbn:ANd9GcQoAtabm4MHSkzCNKGDoVII2Mc7NNyd3X_A-IvMwcqREJ0L-Sbtwg" /></a></div><div class="separator" style="clear: both; text-align: center;"><a href="http://www.smpmortgages.co.uk/graphics/header-new.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="227" src="http://www.smpmortgages.co.uk/graphics/header-new.jpg" width="320" /></a></div><div class="separator" style="clear: both; text-align: center;"><a href="http://www.thebusinesssellersw.co.uk/tbssw/wp-content/uploads/2010/09/buy-to-let-property.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="223" src="http://www.thebusinesssellersw.co.uk/tbssw/wp-content/uploads/2010/09/buy-to-let-property.jpg" width="320" /></a></div><div class="separator" style="clear: both; text-align: center;"><a href="http://www.portwood.co.uk/images/home.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="255" src="http://www.portwood.co.uk/images/home.jpg" width="320" /></a></div><div class="separator" style="clear: both; text-align: center;"></div>Buy to let home insurance is basically "landlord's insurance"--insurance for anyone invested in rental property or planning to rent their property. Buying Let insurance is an extra bit of insurance protection for home owners that goes above and beyond traditional home owner's insurance coverage to protect against problems with tenants.<br /><br />What Does Buy to Let Home Insurance Do?<br /><br />Buy to let home insurance protects your rental property investment in case of a few different things:<br /><br />* A destructive event or act of God<br /><br />* Unpaid rent<br /><br />* Damage caused by tenants<br /><br />* Attorney's fees in tenant's court<br /><br />All landlord's insurance policies are a little different--some policies offer flood coverage or protection against specific "acts of God" like natural disasters. It is more important for landlords in California to have earthquake protection than it is for a landlord in the South. You can tailor your buy to let insurance to your specific needs.<br /><br />Lost Rental Income and Buy to Let Home Insurance<br /><br />Purchasing a policy is the best way to protect your investment from lost income due to unpaid rent or renovations. Buy to let insurance provides that month-to-month cash income normally supplied by a tenant's rent payment. When a tenant stops paying rent, either because of delinquency or because you need to renovate the property or just plain can't rent it, your landlord's insurance can continue to pay you your rental revenue while you deal with the tenant issue yourself.<br /><br /><b>Choosing a Buy to Let Insurance Policy</b><br /><br />Before you buy a landlord's insurance policy, make sure you have enough protection to cover the potential expenses--replacement of furnishings, damage to property, unpaid rent, or health for tenants if they are injured on your property.<br /><br />A single incident with a renter (unpaid rent, damage to property, etc) or even a single tenant lawsuit can put your entire investment at risk. Buy to let insurance covers you in case there are legal fees or judgments to tenants.<br /><br /><b>Where to Find Landlord's Insurance</b><br /><br />You can learn more about buy to let home insurance (including good sources for policies) through the Landlord Association. The LA offers details on insurance policy offers around the country, and they give landlords easy access to legal forms, legal guidelines, and other advice related to landlord's insurance. The Landlord Association offers all kinds of information related to landlord's home insurance.<br /><br />Buy to let home insurance is a cheap way to protect your investment against any number of potential financial and legal problems related to your property. With one policy, you are covered against injury, damage from acts of God, unpaid rent, and lots of other potential real estate investment problems.<br /><br />To find out more about Buy to Let Home Insurance visit askdeb.com<br /><span class="status">PK7PEJFKPWS4</span><br />Article Source:Mike_Hunter</content><link rel='replies' type='application/atom+xml' href='http://best-home-insurance.blogspot.com/feeds/8080596174628084374/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://best-home-insurance.blogspot.com/2010/11/buy-home-insurance.html#comment-form' title='2 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/6190614762911118442/posts/default/8080596174628084374'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/6190614762911118442/posts/default/8080596174628084374'/><link rel='alternate' type='text/html' href='http://best-home-insurance.blogspot.com/2010/11/buy-home-insurance.html' title='Buy Home Insurance PK7PEJFKPWS4'/><author><name>bobo</name><uri>http://www.blogger.com/profile/14645332531279923640</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><thr:total>2</thr:total></entry></feed>If you would like to create a banner that links to this page (i.e. this validation result), do the following:
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