Online Credit Card Payment Address. Please send all credit card payments to PO Box 37035 Boone, IA 50037-0035. If you have automatic payments set through us or any other financial institution to make payments to our credit cards, please make sure you are using the correct payment address.St. Louis Community Credit Union Response 05/03/2023 St Louis Community Credit Union (SLCCU) exist to increase the standard of living and better the lifestyle of our members.Explore the comprehensive Financial Performance Report (FPR) for St. Louis Community Credit Union.This in-depth financial statement offers a condensed overview of the credit union's financial position, based on data from the 4th Quarter of 2023 NCUA Call Report (NCUA 5300 Report). From assets and liabilities to income and expenses, our financial …The scammers may impersonate Vantage via phone call, text message or pop-ups on your device. DO NOT give out any account information, provide remote access to your device or click on links in these messages. If you have questions regarding the validity of a message you’ve received, please contact us directly at 314.298.0055.4435 Chippewa St. St. Louis, MO 63116. Fax: (314) 771-3438. Drive-thrus are generally open during regular business hours. Please understand that we may restrict our lobby access from time to time.If you have questions, please text 314-544-5050 for answers. Read this important information regarding phone scams. Help Us Help You! View all our News items. As the first credit union in the state, First Missouri Credit Union has decades of success in helping Missourians with their financial needs.St Louis Community Credit Union in St. Louis, MO. Connect with neighborhood businesses on Nextdoor.www.stlouiscommunity.com. 314-534-7610. 3651 Forest Park Ave. Saint Louis, MO 63108. St. Louis Community Credit Union is headquartered in Saint Louis and is the 9 th largest credit union in the state of Missouri. It is also the 841 st largest credit union in the nation. It was established in 1942 and as of December of 2023, it had grown to 142 ... To access the St. Louis Community Credit Union mobile banking app, you must be an SLCCU member. You can get the app by either (1) doing so from your mobile device by visiting the app store or (2) going to www.stlouiscommunity.com, clicking on the Online Banking Box (to the right) and selecting Enroll Now. If you’re ever out and about, so are we! Our Credit Check-Up service is free for members and includes a review of your FICO Credit Score and credit history with a member service representative.; BALANCE, another online and coaching source to improve your overall financial fitness.; St. Louis Community Credit Union’s Pathways to Financial Wellness program provides a comprehensive model to …1 review of ST LOUIS COMMUNITY CREDIT UNION "Feb 3 2022 this bank keeps on disappointing me when I speak to a live teller in the lobby i had a check mailed to me and went to st louis credit union to cash it by home depot in the morning as I walked in there were 2 female tellers on was on the computer other on phone i stood still in lobby note it …Explore the comprehensive Financial Performance Report (FPR) for St. Louis Community Credit Union.This in-depth financial statement offers a condensed overview of the credit union's financial position, based on data from the 4th Quarter of 2023 NCUA Call Report (NCUA 5300 Report). From assets and liabilities to income and expenses, our financial … To access the St. Louis Community Credit Union mobile banking app, you must be an SLCCU member. You can get the app by either (1) doing so from your mobile device by visiting the app store or (2) going to www.stlouiscommunity.com, clicking on the Online Banking Box (to the right) and selecting Enroll Now. If you’re ever out and about, so are we! Locations & Hours. We look forward to serving you at one of our branches sometime soon. Some of our branches have bilingual representatives. Please call our Information Center to find the location near you. Para mas informacion comuniquese con nosotros al 636-728-3333 o 1-800-767-8880. Looking for an ATM?ST. LOUIS COMMUNITY CREDIT UNION. Dec, 31, 2023 — ST. LOUIS COMMUNITY CREDIT UNION is a federally insured state chartered credit union headquartered in SAINT LOUIS, MO with 16 branch locations and about $397.31 million in total assets. Opened 82 years ago in 1942, ST. LOUIS COMMUNITY CREDIT UNION …1 review of ST LOUIS COMMUNITY CREDIT UNION "Feb 3 2022 this bank keeps on disappointing me when I speak to a live teller in the lobby i had a check mailed to me and went to st louis credit union to cash it by home depot in the morning as I walked in there were 2 female tellers on was on the computer other on phone i stood still in lobby note it …Online Banking. Access your accounts 24 hours a day, seven days a week with our free Online Banking service. It's a secure and dependable method of transacting business at your convenience. With online banking, you can: Check account balances and see cleared checks instantly. Set up email or text alerts for balance activity.At St. Louis Community Credit Union, we believe that banking is a public good. While not all people begin their journey at the same point or with the same advantages, St. Louis Community Credit Union provides adaptive solutions to meet people where they are in their financial journey and equip them with tools and knowledge to achieve personal goals. Specialties: Established in 1942, St. Louis Community Credit Union is a full-service financial institution, serving members who live or work in the City of St. Louis and St. Louis County in Missouri, and St. Clair, Madison, Monroe, and Jersey Counties in Illinois. Established in 1942. Minimum first advance of $1,000 on home equity loans. Offer of 5.95% Annual Percentage Rate on First Line Home Equity Loan is good for twelve months after closing date. After introductory period, rate adjusts quarterly to the Prime Rate as published in the Wall Street Journal plus .74%. That rate is currently 9.24%.St. Louis Community Credit Union is a not-for-profit financial cooperative which is owned by its 60,000 members throughout the St. Louis region, most of whom are African American.Mass Save ® 0% APR Loan. save money & energy on home improvements. Learn More. St. Anne's Credit Union: Full-service community banking to help people and businesses achieve financial wellbeing. Banking, lending services, mobile access, free financial education & more.19.6 miles away from St. Louis Community Credit Union Blake Brown is your Glen Carbon local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Blake is committed to helping homeowners with home purchase loans and refinances,… read more Savings Account. Whatever your financial goal, St. Louis Community Credit Union offers a variety of savings options to maximize your money’s earning potential and help you realize your financial goals. If you’re looking for a trusted financial institution with whom to save and help grow your nest egg - you have a place with us. Home Loans/ First Mortgage. We have a fully diversified First Mortgage Loan portfolio with fixed-rate terms ranging from 10 to 30 years, as well as many adjustable-rate loans to fit your needs. For first-time homebuyers, assistance programs are available for down payments and closing costs, and we offer one-on-one support and credit counseling ... Login. First-time users, please click to SIGN UP. (Please do not include any preceding zeros or the suffix in your Member Number). For additional assistance, simply ask a question, contact us at 800-325-9905, or schedule an appointment. Available Resources | Fraud Prevention | Get our Mobile app. OnlineAccess Bill Pay is Free to all members!In my capacity as Vice President of Community Development, I am responsible for establishing and maintaining relationships that fund, support, and position St. Louis Community Credit Union as a ...The time is now. Take control of your financial success. Crush your life goals with confidence using our custom banking solutions and digital tools. Our credit union in St. Louis has the digital banking options you want with the people-first approach you need. Sign up for a free checking account with Arsenal!St. Louis Community Credit Union received a refund in the amount of $7,302.05 to an account that was for ***** ***** but the account number, social security number and name did not match. Personal loans can be acquired for almost any need. Updating your appliances, going on a vacation, securing emergency funds for home repairs or medical expenses — we have you covered. Whether you have A+ credit or are working to improve your credit score, we are proud to offer creative solutions for all members at any stage in life. Loan ... At St. Louis Community Credit Union, we believe that banking is a public good. While not all people begin their journey at the same point or with the same advantages, St. Louis Community Credit Union provides adaptive solutions to meet people where they are in their financial journey and equip them with tools and knowledge to achieve personal goals. 3 reviews of St Louis Community Credit Union "St. Louis Community Credit Union as a institution has failed me multiple times. This final incident has pushed me to post this. I had a well known financial firm issue me a check and the bank declined the deposit, because it doesn't have my full name. Academic, Career, and Transfer Advising strives to provide comprehensive services and support that every student needs to realize and achieve their goals and dreams. Schedule Appointment with Student Success Advisor. Mondays - Thursdays from 8 a.m.-6 p.m. Fridays from 9 a.m.-4:30 p.m.St. Louis Community Credit Union 3651 Forest Park Avenue St Louis, MO 63108 (314) 534-7610. Arsenal Credit Union 3780 Vogel Road Arnold, MO 63010 (636) 296-2171. Alliance Credit Union 1280 South Highway Drive Fenton, MO 63026 (636) 343-7005. Infuze Credit Union 5000 Illinois AvenueCard Controls. Get notified instantly when your cards are used. Learn More ADDRESS: 10751 Old Halls Ferry Rd. Ferguson, MO 63136. Fax: (314) 388-9632. Drive-thrus are generally open during regular business hours. Please understand that we may restrict our lobby access from time to time. Get on I-64 E from Baxter Rd. Follow I-64 E, MO-141 N and MO-364 W to Muegge Rd in Saint Charles. Take exit 13 from MO-364 W. Take Graystone Dr to Zumbehl Rd. Visit Alltru Credit Union in St. Charles, MO. See our lobby and drive-thru hours, directions, nearby attractions, and book an appointment. A. Yes, we do have notaries at certain branches. It is best to contact us at 314-534-7610 to find out the availability of the notary based on the location that is most convenient for you. You also must be a member of St. Louis Community Credit Union (SLCCU) and have a valid ID. Please note, we cannot notarize documents that have already been ... Total Community CU - Become a member of the Total Community Today! Make Loan Payment. PAY NOW. Auto Loans. as low as. 5.99% APR*. Make Appointment. Taylor Office. Become a Member.Academic, Career, and Transfer Advising strives to provide comprehensive services and support that every student needs to realize and achieve their goals and dreams. Schedule Appointment with Student Success Advisor. Mondays - Thursdays from 8 a.m.-6 p.m. Fridays from 9 a.m.-4:30 p.m.Nov 7, 2023 · To access the St. Louis Community Credit Union mobile banking app, you must be an SLCCU member. You can get the app by either (1) doing so from your mobile device by visiting the app store or (2) going to www.stlouiscommunity.com, clicking on the Online Banking Box (to the right) and selecting Enroll Now. If you’re ever out and about, so are we! There’s an $18 fee per overdraft, and you have 30 days to deposit funds and bring the account back to a positive balance. You can choose to opt out of this service by simply contacting any Member Service Representative. *Certain restrictions apply to Freedom Checking Account Overdraft Privilege. Please see Credit Union for complete details. Best Banks & Credit Unions in Saint Louis, MO - Carrollton Bank, First Community Credit Union, CNB St. Louis Bank, Century Credit Union, Commerce Bank, Royal Banks of Missouri, Chase Bank, Pulaski Bank, Central Bank St. Louis Community Credit Union. Chartered in 1942, St. Louis Community Credit Union has been providing financial services the Florissant, MO community for over 82 years. Florissant Branch. 1250 Graham Road, Florissant, MO 63031 (314) 534-7610. Contact & Hours Online Banking Visit one of our branches or call (314) 534-7610 for a Credit Builder Loan. Locate an SLCCU branch near you. SLCCU Credit Builder Loan type for members. Every member qualifies, so regardless of your credit, we can help you strengthen your credit score! St. Louis Community Credit Union a financial institution dedicated to serving our members and the communities we operate in. ST. LOUIS COMMUNITY CREDIT UNION. Florissant Branch. 1250 Graham Road Florissant, MO 63031; Open Today: 9:00 am - 6:00 pm. Learn More. TOGETHER CREDIT UNION. Florissant Branch. 1075 N Highway 67 Florissant, MO 63031; Open Today: 9:00 am - 6:00 pm. Learn More. VANTAGE CREDIT UNION. Greenway Chase Branch.Loan solutions to fit your needs. Whatever your borrowing need – for a car, home, personal or emergency expenses – St. Louis Community has a solution for you! We’re committed …LOUIS EXPANSION AND MILESTONE PARTNERSHIP WITH THE CARDINALS. St. Louis, MO., March 29, 2023 (GLOBE NEWSWIRE) -- CommunityAmerica Credit Union, Missouri’s largest credit union with legacy roots ...St. Louis Community Credit Union has served the St. Louis region for more than eight decades as one of the few Black-owned minority depository institutions in the Midwest and is one of the largest Black-owned credit unions in the country. As a not-for-profit financial cooperative, the institution is committed to building the financial capacity ... A. Yes, we do have notaries at certain branches. It is best to contact us at 314-534-7610 to find out the availability of the notary based on the location that is most convenient for you. You also must be a member of St. Louis Community Credit Union (SLCCU) and have a valid ID. Please note, we cannot notarize documents that have already been ... LOUIS, July 14, 2021) — Neighbors Credit Union is the “Best Credit Union” in the state of Missouri with the most satisfied customers, according to a survey conducted by Forbes Magazine and published on forbes.com. The credit union, which was founded in 1928, is the region’s sixth largest and has nine branch locations serving 45,000 ...Keyword Research: People who searched st louis community credit union online also searchedwww.stlouiscommunity.com. 314-534-7610. 3651 Forest Park Ave. Saint Louis, MO 63108. St. Louis Community Credit Union is headquartered in Saint Louis and is the 9 th largest credit union in the state of Missouri. It is also the 841 st largest credit union in the nation. It was established in 1942 and as of December of 2023, it had grown to 142 ...St. Louis Community Credit Union was chartered on Jan. 1, 1942. Headquartered in St. Louis, MO, it has assets in the amount of $233,429,952. Its 48,933 members are served from 11 locations. Deposits in St. Louis Community Credit Union are insured by NCUA. Membership Eligibility.You can check your account balances, transfer funds, make loan payments, get check clearing information – even request a withdrawal, with a check mailed to you the next day. This service is free to you as part of our giveback to our members. In the St. Louis area: 314-421-7171. Outside the St. Louis area (toll-free): 1-866-534-7610, option 1.Login. First-time users, please click to SIGN UP. (Please do not include any preceding zeros or the suffix in your Member Number). For additional assistance, simply ask a question, contact us at 800-325-9905, or schedule an appointment. Available Resources | Fraud Prevention | Get our Mobile app. OnlineAccess Bill Pay is Free to all members!19.6 miles away from St. Louis Community Credit Union Blake Brown is your Glen Carbon local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Blake is committed to helping homeowners with home purchase loans and refinances,… read moreMortgages. With Neighbors, you can be sure of getting the best home for your family. Welcome to Neighbors Credit Union, where we make your life easier and less expensive. Join your Neighbors today and benefit with great savings, checking, loans & more.Access your accounts, make payments, and manage your finances online with St. Louis Community Credit Union. Enroll now or sign in to enjoy online banking services, mobile …Visit one of our branches or call (314) 534-7610 for a Credit Builder Loan. Locate an SLCCU branch near you. SLCCU Credit Builder Loan type for members. Every member qualifies, so regardless of your credit, we can help you strengthen your credit score!The time is now. Take control of your financial success. Crush your life goals with confidence using our custom banking solutions and digital tools. Our credit union in St. Louis has the digital banking options you want with the people-first approach you need. Sign up for a free checking account with Arsenal! Specialties: Established in 1942, St. Louis Community Credit Union is a full-service financial institution, serving members who live or work in the City of St. Louis and St. Louis County in Missouri, and St. Clair, Madison, Monroe, and Jersey Counties in Illinois. Established in 1942. ATM Service. Find an ATM. Example: 3651 Forest Park Ave. St. Louis MO 63108. Refine your search. St Louis Community branch locations, Shared Branch locations link, and Find an ATM link. Information about the St. Louis Community Credit Union is available at Stlouiscommunity.com. For more information on preferred banking services, please contact the Treasury Office at 314-935-7750. CustomGifts.efollett.com offers staff & faculty a broad selection of customized gifts and apparel. Visit their website to browse or request a …Explore the comprehensive Financial Performance Report (FPR) for St. Louis Community Credit Union.This in-depth financial statement offers a condensed overview of the credit union's financial position, based on data from the 4th Quarter of 2023 NCUA Call Report (NCUA 5300 Report). From assets and liabilities to income and expenses, our financial …8 St. Louis Community Credit Union Branch locations in St. Louis, MO. Find a Location near you. View hours, phone numbers, reviews, routing numbers, and other info. And we offer competitive interest on your hard-earned savings. St. Louis Community has a variety of savings, checking and money market accounts to meet your particular requirements – including free online and mobile banking, free e-statements, direct deposit and automatic withdrawal, and much more. To access our current rates, please click here. ADDRESS: 10751 Old Halls Ferry Rd. Ferguson, MO 63136. Fax: (314) 388-9632. Drive-thrus are generally open during regular business hours. Please understand that we may restrict our lobby access from time to time. Specialties: Established in 1942, St. Louis Community Credit Union is a full-service financial institution, serving members who live or work in the City of St. Louis and St. Louis County in Missouri, and St. Clair, Madison, Monroe, and Jersey Counties in Illinois. Established in 1942. Explore the comprehensive Financial Performance Report (FPR) for St. Louis Community Credit Union.This in-depth financial statement offers a condensed overview of the credit union's financial position, based on data from the 4th Quarter of 2023 NCUA Call Report (NCUA 5300 Report). From assets and liabilities to income and expenses, our financial …Card Controls. Get notified instantly when your cards are used. Learn More02. Create an Account. Open a checking or savings account and gain access to a wide range of financial products and services designed to meet your needs while supporting the greater good. As a member, you'll be part of a mutually-owned financial cooperative that prioritizes social responsibility and community development. 03. Move Your Funds. 04.Specialties. Established in 1942, St. Louis Community Credit Union is a full-service financial institution, serving members who live or work in the City of St. Louis and St. Louis County in Missouri, and St. Clair, Madison, Monroe, and Jersey Counties in Illinois.As a member of St. Louis Community Credit Union, you can now make payments on your loans with us 24/7 simply by using a checking account or debit card from a financial institution other than SLCCU. With a simple, one-time registration, use our secure online system to process payments to your loan. It offers our members the option to enroll in ...How to invest in A St. Louis cdfi. The St. Louis CDFI Coalition is a partnership among 8 Community Development Financial Institutions (CDFIs) that offer an array of capital, development, and consulting services, and share a common mission to empower a comprehensively healthy St. Louis Community through support for nonprofits, small …First Community CU Crestwood Branch 9550 Watson Road St Louis, MO 63126 ( Map) Phone Number: (636) 728-3333. Toll-Free: (800) 767-8880. Website: Visit Website.First Community is the largest credit union in Missouri and among the Top 10 financial institutions in the region. Our membership continues to grow as we fulfill our mission to …Nov 7, 2023 · To access the St. Louis Community Credit Union mobile banking app, you must be an SLCCU member. You can get the app by either (1) doing so from your mobile device by visiting the app store or (2) going to www.stlouiscommunity.com, clicking on the Online Banking Box (to the right) and selecting Enroll Now. If you’re ever out and about, so are we! About in the Black fellows. Cornerstone CDC recognizes poverty as a form of trauma and is disrupting historical approaches associated with financial trauma by addressing it the pain in a coaching setting. The “In the Black” Fellows program is a 9-month matching savings fellowship program that invites West End/Visitation Park residents to ...Coverdell Education Savings Account (ESA) Save in advance to fund your child's education. Withdrawals are tax-free when used for education expenses*. No setup or annual fee, dividends grow tax-free. Learn More. St. Louis Community Credit Union. Chartered in 1942, St. Louis Community Credit Union has been providing financial services the Florissant, MO community for over 82 years. Florissant Branch. 1250 Graham Road, Florissant, MO 63031 (314) 534-7610. Contact & Hours Online Banking 19.6 miles away from St. Louis Community Credit Union Blake Brown is your Glen Carbon local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Blake is committed to helping homeowners with home purchase loans and refinances,… read moreOur Credit Check-Up service is free for members and includes a review of your FICO Credit Score and credit history with a member service representative.; BALANCE, another online and coaching source to improve your overall financial fitness.; St. Louis Community Credit Union’s Pathways to Financial Wellness program provides a comprehensive model to …
Search for "St Louis Community Credit Union. What to Expect Access to the current Online Banking through SLCCU's website (browser access) will be available through January 2020. You can begin to enroll in the new Online Banking platform as early as (TIME TO COME) a.m. on Dec. 5, 2019. Access our step-by-step guide to Online Banking and …. Vaptrik
St. Louis Community Credit Union branches will be closed the following dates this year. Rest assured, our Online Banking, mobile app and ATM services will still be available. 01/01/2024: New Year’s Day Observed: Monday: 01/15/2024: Dr. Martin Luther King Jr. Observed: Monday: 02/19/2024: Presidents' Day: Monday:Regular Savings. A regular share savings account isn’t just the safest and best place to keep your hard-earned money – it’s the building block of St. Louis Community Credit Union membership. Just $1 – our minimum deposit and minimum balance – establishes your savings account and your share in our cooperative. It’s the gateway to all ...LOUIS, July 14, 2021) — Neighbors Credit Union is the “Best Credit Union” in the state of Missouri with the most satisfied customers, according to a survey conducted by Forbes Magazine and published on forbes.com. The credit union, which was founded in 1928, is the region’s sixth largest and has nine branch locations serving 45,000 ... Please send an email to: [email protected]. Lost or Stolen Mastercard® Debit Card. During business hours: 314-534-7610. Nights and weekends: 888-241-2510. Visa Credit Card 24-hour Cardmember Service. 800-558-3424. Lost or Stolen VISA® Gift Card. 877-283-1860. BALANCE Financial Fitness Program. Ready to Apply? Apply for an auto loan online. Or call us at (636) 728-3330 or 1-800-905-7585. See our current rates. Get a free annual credit report. Submit requested insurance information electronically. Calculate Your Payments. $ vehicle. 0 1 $0 down (0.00%)02. Create an Account. Open a checking or savings account and gain access to a wide range of financial products and services designed to meet your needs while supporting the greater good. As a member, you'll be part of a mutually-owned financial cooperative that prioritizes social responsibility and community development. 03. Move Your Funds. 04.You can check your account balances, transfer funds, make loan payments, get check clearing information – even request a withdrawal, with a check mailed to you the next day. This service is free to you as part of our giveback to our members. In the St. Louis area: 314-421-7171. Outside the St. Louis area (toll-free): 1-866-534-7610, option 1.Online Banking. Access your accounts 24 hours a day, seven days a week with our free Online Banking service. It's a secure and dependable method of transacting business at your convenience. With online banking, you can: Check account balances and see cleared checks instantly. Set up email or text alerts for balance activity. 7350 Olive Blvd. University City, MO 63130. Fax: (314) 721-4424. Drive-thrus are generally open during regular business hours. Please understand that we may restrict our lobby access from time to time. Peer-to-Peer (P2P) Payments. CO-OP Locator. Bill Pay. Purchase Rewards. Mobile Deposit. Skip-a-Pay. Our highly-rated app ». A trusted financial partner helping its members achieve their financial goals and live their best life. Open your account today!SavvyMoney Credit Score (aka Credit Score) is now available through online and mobile banking. Credit Score is a free service offered to help you understand your current credit score, give access to your full credit report, provide credit monitoring alerts, simulate and learn ways to improve your score, and see ways you can save money on new and … And we offer competitive interest on your hard-earned savings. St. Louis Community has a variety of savings, checking and money market accounts to meet your particular requirements – including free online and mobile banking, free e-statements, direct deposit and automatic withdrawal, and much more. To access our current rates, please click here. According to the NCUA, St. Louis Community Credit Union has 2,505 active Money Market accounts totaling $72,773,712 held by members. Share Certificates (CDs) - Start earning more with low-minimum balance share certificates. According to the NCUA, St. Louis Community Credit Union has 1,530 active Share Certificates held by members. Through your employer, Direct Deposit electronically and automatically deposits your entire paycheck into your account on payday. Your Human Resources office can provide you with your company’s approved Direct Deposit form, and then make the needed arrangements to make it happen. For more information, call our Solutions Center, 314-534-7610.3651 Forest Park Ave. St. Louis, MO 63108 (314-534-7610) All Locations. Disclosures Routing #: 281082423. If you are using a screen reader and are having difficulties using this website, please call 866-534-7610 for assistance.At St. Louis Community Credit Union, we believe that banking is a public good. While not all people begin their journey at the same point or with the same advantages, St. Louis Community Credit Union provides adaptive solutions to meet people where they are in their financial journey and equip them with tools and knowledge to achieve personal goals.St. Louis Community Credit Union: Locations. Since its founding in 1942, St. Louis Community has expanded across the St Louis, MO area, now operating 10 branches to make quality financial services accessible to everyone.SavvyMoney Credit Score (aka Credit Score) is now available through online and mobile banking. Credit Score is a free service offered to help you understand your current credit …Visit one of our branches or call (314) 534-7610 for a Credit Builder Loan. Locate an SLCCU branch near you. SLCCU Credit Builder Loan type for members. Every member qualifies, so regardless of your credit, we can help you strengthen your credit score!.