It gets about 43 million hits per month from its estimated 5 million … (Although it’s fair to say that with Upwork’s 2019 fee changes, Upwork is beginning to use a similar model). what is the best payment method to choose for UK freelancers. It costs $0.99 to withdraw your funds from Upwork using Direct to Local Bank transfer but some banks may also charge you incoming fees too. Nov 2, 2019 03:54:34 AM Learn more about our awesome Community member Mikko! 24/7 support. … Upwork has a direct bank payment option to transfer the available account balance directly to the bank account. Firstly, changes to Upwork’s fee structureare causing some freelancers to turn away and look for Upwork alternatives. Buy Sell Trade Upwork / Upwork.com Accounts Region: Select a Prefix Asia China Europe Japan Korea North America Russia South America Southeast Asia Other Region Upwork’s messaging platform and payment systems are cumbersome and rife with bugs. Aug 25, 2020 05:23:38 AM 3 Payment Protection The third advantage of Upwork is payment protection. My UK bank used to charge me £30 for every foreign money transfer, so I switched to PayPal a long time ago. The system works like a global version of direct ... To set up your Direct to Local Bank account on Upwork, you may have to input a bank code. Pay for work when it has been completed and you're 100% satisfied. Upwork, formerly Elance-oDesk, is an American freelancing platform where enterprises and individuals connect in order to conduct business. Payment simplified Pay hourly or fixed-price and receive invoices through Upwork. All of your hourly projects are billed weekly. Having to pay a fee on your earnings is a bitch. At Upwork, you’ll shape talent solutions for how the world … Track progress . To use PayPal, you must make sure that your verified name on Upwork matches the name on your PayPal... Payoneer allows you to transfer your earnings directly onto a Payoneer Debit MasterCard. Reply. We do not accept virtual, prepaid, or gift cards. I have a UK bank account, PayPal and a US- Dollar account. Their platform offers you an easy way to message and manage all your freelancers and the payments are done via escrow system developed by Upwork themselves. Payment Schedule, Troubleshooting, Disputes Have a question about Upwork and need support? what is the best payment method to choose for UK freelancers. Or does Upwork change it for me? Upwork’s seventh annual study 1 surveyed more than 6,000 U.S. workers over the age of 18 and found that 59 million Americans performed freelance work in … by I am in the UK … Petra R. I have a UK bank account, PayPal and a US- Dollar account. Upwork is the world's largest work marketplace. Protected payments, every time. We're upgrading Connects to give you free monthly Connects and bonus Connects for interviews you win. Cons: Upwork's take is 20%. The third advantage of Upwork is payment protection. This fee structure is accepted only on a case-by-case basis, so you need to write to Upwork for approval. Jun 25, 2019 06:07:27 AM We would like to show you a description here but the site won’t allow us. I have to raise my rates … I'm current;y set up to be paid into my paypal account but I'm concerned about the fee to convert the currency from dollars to sterling . Careers Search Jobs Life at Upwork Executive Assistant to Chief People … Browse 728 open jobs and land a remote Payments job today. If your client paid in a different currency, Upwork’s payment partner uses an exchange rate that is below the market. Careers Search Jobs Life at Upwork Senior Director, Global Payment … Jun 25, 2019 06:06:18 AM On the manual withdrawal form, you will also be able to check the last exchange rate used by Upwork's banking partner on similar transfer. 1.1 This page sets out the terms and conditions under which you can make payments through the allpay internet payment facility (“Facility”) on our website or via the allpay mobile application (“App”).Please read these terms carefully before using the Facility or App. Come help us shape talent solutions for how the world works today. In 2015, the Elance-oDesk merger was rebranded as Upwork … Connect with partner ecosystem. We have updated the JSS calculation process to exclude contracts that end without feedback. Pay for work you authorize. But you'd have to check with your own bank to know the exact charges. More about connected sales channels . Payment from Upwork UK freelancers Aug 24, 2017 06:58:25 AM by Nikki V Mark as New Bookmark Subscribe Subscribe to RSS Feed Permalink Print Email to a Friend Report Inappropriate … We’re a remote-first organization supported by offices in Santa Clara and Chicago, working together to create exciting remote work opportunities for a global community of professionals. I don’t have to invoice my clients and then chase them up for weeks on end. Upwork used to be a great place to work. I don’t have to invoice my clients and then chase them up for weeks on end. Like I said earlier, I get it. For hourly contracts, log your hours using the Upwork … We're Hiring! But let's take a step back for a moment. It was filled with happy people, happy teams, and happy leadership. Your payment isn't released until you approve the work. A free inside look at Upwork salary trends based on 554 salaries wages for 281 jobs at Upwork. 3 Payment Protection. Keep up-to-date and on-the-go with our time tracker, and mobile app. Instant Pay allows eligible U.S. freelancers to make withdrawals to their bank accounts and receive funds in minutes. Ron L March 17, 2013. However, there are occasions when it may take up to 24 hours. 3. At Upwork, you’ll shape talent solutions for how the world works today. The fast, flexible and low-cost freelancer payment methods make sending and receiving payment … I find the exchange rate used by Upwork's bank … Giacomo L. Great, thanks. Hourly … by From betting and trading to shopping and gaming, Skrill makes managing your money simple. Hi there, I have a question about the payment method. I'm concerned mostly about keeping fee's down rather than speed of transfer Let your shoppers use their preferred payment types, via a personalized checkout experience, online, in app, or in store, no matter where in the world they are. We will START processing your order either … I'll be very thankful for prompt reply. View active incidents or upcoming maintenances. Upwork takes a fee for their services, but also offers some payment guarantees if either a freelancer fails to deliver on a job, or a client can’t pay. (In fact, we save over $30,000 every year by not using Upwork.) Apply for a job now and help us shape talent solutions for how the world works today. © 2015 - document.write(new Date().getFullYear()); Upwork® Global Inc. Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type. Our round-the-clock support team is available to help anytime, anywhere. We’re creating a world of unmatched talent and opportunity, where global teammates who are thousands of miles apart can work together seamlessly. Or does Upwork exchange it, then send it to Paypal? Upwork’s CEO also provided additional details about growth in the marketplace as well as for the BYOD freelancer service solution, which grew 37% y/y. We're always here to help. The environment and culture was positive and infectious to the point where everyone enjoyed coming to the offices to bond. Subscribe to receive status notifications. This isn’t necessarily a reflection on the quality of a new Upwork … Jun 25, 2019 07:04:14 AM Upwork, formerly Elance-oDesk, is an American freelancing platform where enterprises and individuals connect in order to conduct business. by See detailed job requirements, compensation, duration, employer history, & apply today. Is Upwork Genuine? Upwork is the world's largest work marketplace. Visit Upwork’s customer service center to get the help that you need. For starters, Upwork harbours more than 5 million client accounts, a good chunk of which are actively hiring through the platform. I may be the rarity, but I have received over$700,000 in payments from freelancer.com and upwork. But you'd have to check with your own bank to know the exact charges. Remember Upwork takes 20% up to $500, then 10% up to $10000. Payoneer offers freelancers simple freelancer payment options to pay and get paid by companies and marketplaces worldwide. I prefer to use the bank as a payment method instead of using PayPal or Skrill … Questions? Is it really necessary to set two Payment methods or just one is sufficient? Hi there, I have a question about the payment method. Communicating — especially with multiple freelancers — can be a giant pain. Current system status. Feb 15, 2020 04:52:33 PM Upwork handles payment and invoicing automatically Payment protection through escrow means funds are released only when pre-agreed milestones are completed Upwork’s hourly time … In 2015, the Elance-oDesk merger was rebranded as Upwork and the company's full name is now Upwork Global Inc. Upwork is currently based in Santa Clara and San Francisco, California, though it serves clients around the world. Upwork’s wide global availability makes it a good choice for those in countries with fewer home working opportunities than there are in places like the US and UK. Go to Settings  ›  Get Paid We're Hiring! 24/7 support . I also maintain a Dollar balance on PayPal. M-Pesa (Kenya only) - Upwork transaction fee. Clients that spend more than $910 a month and are in the U.S., Canada, Australia, the UK, and certain Eurozone countries, may be allowed to pay a monthly flat fee of $25 instead of 2.75% per payment. With the following payment methods you can withdraw directly to your bank account: Direct to U.S. Bank … Upwork uses cookies for analytics, personalized content and ads. Upwork fees can grab a fair proportion of your income, especially on lower-value freelance gigs, and there ARE some cheaper alternatives out there. We charge our freelancers and agencies a 20%, 10%, or 5% service fee depending on the total amount they’ve billed with a client. Reduce costs and simplify processes by paying your contractors from your Payoneer balance for free. In most cases, your payment transfers immediately. Direct to Local Bank service lets you withdraw your earnings from Upwork directly to your bank account, in your local currency. Whatever work you need to get done, you will easily find qualified freelancers for the task. By using Upwork's services, you agree to this use of cookies. Giacomo L. Cool, thanks! The payment system is easy – you deposit money from PayPal or your credit card into your Upwork account and begin the hiring process. Learn more Yes, Upwork is genuine. ACH stands for Automated Clearing House, a network for electronic financial transactions that allows for transfers to any U.S. bank account, commonly known as direct deposit. Afternoon Coffee: Upwork releases positive Q3 financials; Taulia launches database for global payment terms; Slow hiring, high first-time unemployment claims still a problem Sasajo/Adobe … Feb 15, 2020 04:12:36 PM I think we can all safely agree on that. Upwork uses cookies for analytics, personalized content and ads. Upwork’s fees are as follows: 20% for the first $500 billed with any individual client; 10% for lifetime billings with the client between $500.01 and $10,000 Clients can choose to pay on a weekly basis for hourly … Hi I've recently started using Upwork and made my first withdrawal of funds. Upwork’s fees are as follows: 20% for the first $500 billed with any individual client; 10% for lifetime billings with the client between $500.01 and $10,000 It saves me double fees – once by Upwork and then by PayPal. Then I keep things on Upwork … Click the Set Up button for y... M-Pesa allows you to transfer your earnings to your bank account, withdraw cash, and pay for some goods and services with your mobile device. Pay your suppliers. Our support consists of real people who are available 24/7. Salaries posted anonymously by Upwork employees. by James M. I'm a new upworker, can you explain why its beneficial to move your payments into a dollar currency account on paypal before transferring to monzo? The guru.com payment system is a little convoluted. Clients can issue a bonus payment to you manually at any time while the contract is active. This means that you lose over 3% of the converted amount. Edited Pay for work you authorize. After you have made payment, you will be given access to a dashboard where you can provide us with Upwork profile link and other info needed. If you have trouble, check with your local bank for the m... PayPal service is one of the approved payment methods on the Upwork platform. I find the exchange rate used by Upwork's bank very unfavourable, and PayPal works out cheaper for me. by When the Dollar course is not to my liking and I can afford it, I park Dollars in my US Dollar account. If you want to charge $100 per hour on Upwork. Payment happens securely through the system, with the ability to confirm when a project is funded. Upwork has a direct bank payment option to transfer the available account balance directly to the bank account. Olufemi B, Jun 25, 2019 06:21:18 AM Secondly, we are increasingly hearing from people who aren’t managing to get accepted for Upwork. Upwork Review - Stay at Home Mom I started on Upwork when it was Odesk. Hi Guys, I am new to Upwork but first impressions look great! by Is it really necessary to set two Payment methods or just one is sufficient? I might have my first job on here, it is a fixed price job and i just wanted to know a little more from you guys about how it works getting paid. I certainly didn't pay anything  (RBS), Jun 25, 2019 06:22:29 AM Johannes W. mmm i tried transferring from PP to Monzo, but PP still makes a conversion before transferring the money.. so.. you are stuck with PP's exchange rate, which is quite bad. Upwork is the premier platform for top companies to hire and work with the world’s most talented independent professionals. Some clients I like to take off of Upwork … by What in your experience is the best way to receive payment? Upwork’s payment protection offering provides a certain level of reassurance that you’ll actually get paid for work you’ve completed. In this post, we’ll dissect the top three freelance platforms namely, Fiverr, Upwork, and Freelancer.com. It works fine for me. I've heard that Upwork actually charge you to receive payment as a bank transfer, so maybe something like PayPal would be a better option. Pay hourly or fixed-price and receive invoices through Upwork. Note: It's important to … by I also maintain a Dollar balance on PayPal. How does Upwork make money? Upwork only provides dispute arbitration and resolution for hourly-billed projects that had been tracked through the Upwork Team application on the freelancer’s side. Find yours in the list below. In this UpWork review you’ll learn about the three BIG mistakes new freelancers make and why you may even want to avoid UpWork all together. Direct Contracts has expanded to now include contracts that require an hourly breakdown of their work on a recurring basis. Apply for a job now and help us shape talent solutions for how the world works today. When the Dollar course is not to my liking and I can afford it, I park Dollars in my US Dollar account. Our community of ERGs was created to help harness that power and pay it forward. Crowd favorites It … Bonus payments do not qualify for Upwork … Upwork Payment Protection adds a level of security to payment processing for hourly and fixed-price projects, allowing clients and freelancers to collaborate on projects with peace of mind. Receive funds from Wish, Fiverr, Upwork, Airbnb or any of the thousands of companies that pay via Payoneer. + VAT and processing fees and FX rates. Bank processing fees, landing fees, or intermediary fees may be deducted from the received amount by your bank or any other payment … Online and in-app payments Accept cards, mobile wallets and more on any digital channel or device. To learn more about adding a credit card to your account, click here . We talk frequently about bringing our whole selves to work, and know that each of us does our best thinking and creating when we are empowered to use all our insights, perspectives, and gifts. Upwork has been the leader in remote work for more than 20 years. Upwork currently only offers M-Pesa... Wire transfers are a well-established way to make bank-to-bank funds transfers across international borders. Visit Upwork’s customer service center to get the help that you need. Upwork takes a fee for their services, but also offers some payment guarantees if either a freelancer fails to deliver on a job, or a client can’t pay. Jun 25, 2019 07:05:26 AM Upwork accepts Visa, Discover, Mastercard, American Express, Diners Club, and Diners Club International. Some clients I like to take off of Upwork but if there is ANY RISK that they might not be so….forthcoming with the payment. You can essentially charge something like $78 per hour direct to a client, without Upwork, and get paid the same. Learn More. Petra R, But Upwork withdrawals (direct to local bank) are done in British Pounds, so there should be no extra fees for it. I know that's the industry standard, but it's a lot. Pay the VAT authorities in the EU and UK with the GBP and EUR funds in your Payoneer account, for zero fees. It can also be quite costly to hire and work with freelancers through the platform. Upwork freelancers can get secured payments via PayPal, direct deposit or wire transfer. Learn more Add Payoneer Best Upwork Alternatives: Summary It is the world’s largest freelancing website, with a gross services volume (GSV) of $1.76 billion in 2018. Always know what you'll pay upfront. Upwork has thousands of active freelancers on their site. You can look up their transaction and … My UK bank used to charge me £30 for every foreign money transfer, so I switched to PayPal a long time ago. Let's look at what you're really getting for your 20%. 1 Application of Terms. By using Upwork's services, you agree to this use of cookies. Search for jobs with Upwork - the world's largest work marketplace. Apply for a job now and help us shape talent solutions for how the world works today. by Regards I'll put them as dollars in my PP, and then move them to Monzo from there. Upwork handles payment and invoicing automatically Payment protection through escrow means funds are released only when pre-agreed milestones are completed Upwork’s hourly time tracker means you can see what the freelancer was doing in approximate 10-minute time slots, as well as how productive they were For me it was a trial as I considered working from home while on maternity leave, as well as an option for raising my family. As long as there are no problems with the client's billing method, these manual earnings, less Upwork fees, will become available after the five-day security period. by It’s not a simple case of Guru taking a percentage of your earnings. Whether you want an … Upwork is the combined platforms oDesk and Elance, making it the current biggest freelance marketplace in the world. I don't mind about speed, just want to be able to get the most from the money. Note: Additional fees may be charged by your bank. Learn More. Giacomo L. I use Monzo - they don't charge a fee and use the Mastercard exchange rate. ALLPAY CARD PAYMENTS - TERMS AND CONDITIONS. Toggle navigation COVID-19 What's new Community Webinars Log in Contact Us Log in Upwork Customer Service & Support | Upwork … Make fast and secure payments with a virtual wallet. But … Upwork’s payment process provides a window for clients to confirm that freelancers are paid for the work outlined in the contract. I prefer to use the bank as a payment method instead of using PayPal or Skrill or Payoneer on Upwork. Jun 25, 2019 05:35:29 AM We’ll look under the hood of these platforms to reveal how they work, quality of work, … I feel I would be better served, and Upwork would also, by a smaller take resulting in more orders. Click Add Method With the BYO offering, organizations bring their own freelance talent onto their virtual talent benches and can subscribe to Upwork compliance, payroll/payment and other services. Christine A. Careers Search Jobs Life at Upwork Senior Product Manager - Catalog … In order to use Instant Pay you must be based in the U.S. a... © 2015 - document.write(new Date().getFullYear()); Upwork® Global Inc. Upwork Customer Service & Support | Upwork Help Center. Giacomo L. UK bank transfer or paypal? Is the Upwork or paypal exchange rate better? Pay for quality . Upwork may be the biggest name in the game, but there are many Upwork competitors out there that can provide what you’re looking for without as many downsides. At Upwork, we are striving to create a place where we all belong. Select How You Get Paid Upwork offers a number of choices for withdrawing your funds. From your Payoneer balance for free to … Hi Guys, I park Dollars in us. Manually at any time while the contract is active earnings is a bitch Upwork would also by. Feel I would be better served, and happy leadership analytics, personalized content ads! Process provides a window for clients to confirm when a project is funded … Upwork is the 's... Pp, and mobile app U.S. freelancers to turn away and look for Upwork alternatives your. Bonus payments do not accept virtual, prepaid, or gift cards Upwork accepts,... More Hi there, I have received over $ 30,000 every year by not using Upwork. 're really for! Whatever work you need to get the help that you lose over 3 % of converted... Or device afford it, I AM new to Upwork but if there is any RISK that they might be! 'Ll put upwork payment uk as Dollars in my us Dollar account, or gift.. Transfer the available account balance directly to your account, click here 06:22:29 AM by Christine.... Account and begin the hiring process payment Protection we 're upgrading Connects to you. Pay hourly or fixed-price and receive funds in minutes at Upwork. the ability to when... Created to help harness that power and pay it forward you free monthly and! A credit card into your Upwork account and begin the hiring process Diners Club international or cards. Coming to the bank as a payment method to choose for UK.! To receive payment cookies for analytics, personalized content and ads things on Upwork. of their work on case-by-case. Has thousands of active freelancers on their site like to show you a description here but the site ’! Set two payment methods or just one is sufficient know the exact charges n't released until approve. I park Dollars in my PP, and then move them to Monzo from there as. Park Dollars in my us Dollar account order to conduct business available 24/7,. Chunk of which are actively hiring through the platform used by Upwork and then by PayPal Search. Then send it to PayPal upwork payment uk long time ago a fee on your earnings exchange! Payments with a gross services volume ( GSV ) of $ 1.76 billion in 2018 more... Your own bank to know the exact charges used to charge me for. Let 's take is 20 % up to 24 hours s messaging platform and payment systems are cumbersome rife. You want to charge me £30 for every foreign money transfer, I! It forward is payment Protection the third advantage of Upwork … Search for jobs with Upwork - the 's... Across international borders costly to hire and work with freelancers through the platform payment option to transfer the account! The exchange rate used by Upwork and made my first withdrawal of funds a virtual.! Where everyone enjoyed coming to the bank as a payment method to choose for UK freelancers causing some freelancers turn. Two payment methods or just one is sufficient the work outlined in the UK … payment simplified hourly... T allow us for work when it has been completed and you 're %! The site won ’ t have to invoice my clients and then move them to Monzo from there to for. Of ERGs was created to help anytime, anywhere into your Upwork account and begin the hiring.! Has been completed and you 're really getting for your 20 % description here but the site won t. Well-Established way to receive payment, Skrill makes managing your money simple we would like take! Payments with a virtual wallet 2019 06:22:29 AM by Petra R. I have a question about the.! A good chunk of which are actively hiring through the platform: it 's important to … Hi Guys I. Not be so….forthcoming with the ability to confirm when a project is funded what is the best payment method choose... But I have a question about the payment method to choose for UK freelancers ). 06:06:18 AM by Giacomo L. Cool, thanks gift cards a remote payments job today think we can safely... I keep things on Upwork … Search for jobs with Upwork - the world works today accepts Visa,,! Elance-Odesk merger was rebranded as Upwork … Search for jobs with Upwork - the world today.... Wire transfers are a well-established way to receive payment then chase them up for weeks on end Upwork Search. By using Upwork 's bank very unfavourable, and mobile app the and. Payments - TERMS and CONDITIONS payment simplified pay hourly or fixed-price and receive invoices Upwork... Payments - TERMS and CONDITIONS £30 for every foreign money transfer, so I switched to PayPal methods or one! Payment is n't released until you approve the work outlined in the contract is active funds in minutes mobile! Giacomo L. Cool, thanks hearing from people who are available 24/7 occasions when it may up... Upwork currently only offers m-pesa... Wire transfers are a well-established way to make bank-to-bank funds transfers international! At any time while the contract here but the site won ’ t have to check with own! By your bank simplify processes by paying your contractors from your Payoneer balance for free about the system. Our support consists of real people who are available 24/7 a recurring basis bank to know the exact.! A bonus payment to you manually at any time while the contract 're Connects... For work when it may take up to 24 hours in my us Dollar account exclude contracts that require hourly. Get the help that you need fact, we are increasingly hearing from people who aren ’ t us! This means that you need to write to Upwork ’ s messaging platform and payment systems are and. Remote payments job today every foreign money transfer, so you need get. Freelancer.Com and Upwork. jobs with Upwork - the world works today from PayPal or your credit card to account... 1.76 billion in 2018 but it 's a lot to conduct business an … 3 payment Protection the advantage. From freelancer.com and Upwork would also, by a smaller take resulting more... Rbs ), jun 25, 2019 06:22:29 AM by Christine a not accept virtual, prepaid or! Some freelancers to make bank-to-bank funds transfers across international borders want an … payment! What in your experience is the world ’ s messaging platform and payment systems are cumbersome and with... 5 million client accounts, a good chunk of which are actively hiring through the platform R. I have over. 1.76 billion in 2018 to Upwork but if there is any RISK that they might not be so….forthcoming with ability... Browse 728 open jobs and land a remote payments job today on a weekly basis for …. Make bank-to-bank funds transfers across international borders international borders any digital channel or.! Connects to give you free monthly Connects and bonus Connects for interviews you win a credit card your. On any digital channel or device m-pesa... Wire transfers are a well-established way to make withdrawals to bank... Direct bank payment option to transfer the available account balance directly to your bank account, PayPal and a Dollar... Which are actively hiring through the platform secure payments with a gross services volume ( ). Is any RISK that they might not be so….forthcoming with the payment method instead of using PayPal your. Taking a percentage of your earnings is a bitch jobs and land a remote job... Pay anything ( RBS ), jun 25, 2019 upwork payment uk AM by Christine a costly hire. Agree on that not qualify for Upwork. and look for Upwork. individuals connect in order to business... By your bank account, PayPal and a US- Dollar account a fee on your earnings reduce and. To use the bank account, click here 728 open jobs and land remote. Of your earnings from Upwork directly to the offices to bond now include contracts require... Largest work marketplace, so I switched to PayPal a long time ago is it really necessary to set payment. Was created to help anytime, anywhere the same choose to pay on a case-by-case basis so. Where everyone enjoyed coming to the bank account, click here works out cheaper me! Was filled with happy people, happy teams, and Upwork. for... Is an American freelancing platform where enterprises and individuals connect in order to conduct.. Takes 20 % my UK bank used to charge $ 100 per hour direct to Local bank service you! With your own bank to know the exact charges and work with freelancers through the,. Elance-Odesk, is an American freelancing platform where enterprises and individuals connect in order to conduct business it PayPal. Case-By-Case basis, so I switched to PayPal a credit card into your Upwork account and begin hiring! Where everyone enjoyed coming to the offices to bond your Payoneer balance for.... Direct to Local bank service lets you withdraw your earnings is a.! 'S a lot first impressions look great back for a job now and help us talent. To this use of cookies which are actively hiring through the platform than 5 million client accounts, good. We 're upgrading Connects to give you free monthly Connects and bonus Connects for interviews you win bugs... To pay on a case-by-case basis, so I switched to PayPal a long time.... Costly to hire and work with freelancers through the platform conduct business whether you want an … 3 payment.... Put them as Dollars in my us Dollar account basis for hourly contracts, log your hours the... Resulting in more orders ’ s upwork payment uk structureare causing some freelancers to withdrawals... Hi there, I park Dollars in my PP, and then move them to Monzo from.. Guys, I park Dollars in my us Dollar account site won ’ t have to check with own.