{"id":53045,"date":"2020-07-07T08:53:05","date_gmt":"2020-07-07T06:53:05","guid":{"rendered":"https:\/\/www.asufin.com\/?p=53045"},"modified":"2022-04-20T10:28:30","modified_gmt":"2022-04-20T10:28:30","slug":"asufin-medios-primera-sentencia-irph-sin-interes","status":"publish","type":"post","link":"https:\/\/staging.asufin.com\/staging\/asufin-medios-primera-sentencia-irph-sin-interes\/","title":{"rendered":"ASUFIN en los medios: Un juez declara gratuita una hipoteca IRPH"},"content":{"rendered":"\n<h3 class=\"wp-block-heading\" id=\"expansion-europa-press-o-el-espanol-se-hacen-eco-de-la-primera-sentencia-irph-que-deja-un-prestamo-sin-interes\"><em>Expansi\u00f3n<\/em>, <em>Europa Press <\/em>o <em>El Espa\u00f1ol <\/em>se hacen eco de la primera sentencia IRPH que deja un pr\u00e9stamo sin inter\u00e9s<\/h3>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"patricia-suarez-presidenta-de-asufin-explica-que-lo-justo-para-el-consumidor-es-que-estos-litigios-se-zanjen-con-prestamos-sin-remunerar\">Patricia Su\u00e1rez, presidenta de ASUFIN, explica que lo justo para el consumidor es que estos litigios se zanjen con pr\u00e9stamos sin remunerar<\/h3>\n\n\n\n<p>Siguen llegando <strong>buenas noticias para los afectados por<\/strong><a href=\"https:\/\/staging.asufin.com\/staging\/reclama\/irph\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong> hipotecas IRPH.<\/strong> <\/a>Este martes varios medios se hacen eco de la primera sentencia, dictada por la Audiencia Provincial de Toledo, que deja el pr\u00e9stamo gratuito.<\/p>\n\n\n\n<p><strong>Desestima el recurso de <a href=\"https:\/\/staging.asufin.com\/staging\/categoria\/entidades\/bsantander\/bpopular\/\" target=\"_blank\" rel=\"noreferrer noopener\">Banco Popular<\/a><\/strong> y alega que el contrato de pr\u00e9stamo puede sobrevivir de forma gratuita, sin devengo de inter\u00e9s alguno a favor de la entidad acreedora. Medios como <em>Expansi\u00f3n<\/em>, <em>Europa Press<\/em> o <em>El Espa\u00f1ol  <\/em>recogen las declaraciones de <strong>Patricia Su\u00e1rez, presidenta de ASUFIN<\/strong>, que se\u00f1ala que &#8220;lo justo para el consumidor es que estos litigios se zanjen con pr\u00e9stamos sin remunerar, de lo contrario, no hay efecto disuasorio para la entidad tal y como dice la Directiva Europea&#8221;.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"expansion-un-juez-declara-gratuita-una-hipoteca-irph\"><em>Expansi\u00f3n<\/em>: Un juez declara gratuita una hipoteca IRPH<\/h3>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-recalc-dims=\"1\" fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"448\" data-attachment-id=\"53048\" data-permalink=\"https:\/\/staging.asufin.com\/staging\/asufin-medios-primera-sentencia-irph-sin-interes\/captura-de-pantalla-2020-07-07-a-las-8-36-40\/\" data-orig-file=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/07\/Captura-de-pantalla-2020-07-07-a-las-8.36.40-e1594104000998.png?fit=700%2C392&amp;ssl=1\" data-orig-size=\"700,392\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Expansi\u00f3n: Un juez declara gratuita una hipoteca IRPH\" data-image-description=\"&lt;p&gt;Expansi\u00f3n: Un juez declara gratuita una hipoteca IRPH&lt;\/p&gt;\n\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/07\/Captura-de-pantalla-2020-07-07-a-las-8.36.40-e1594104000998.png?fit=800%2C448&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/asufin.com\/wp-content\/uploads\/2020\/07\/Captura-de-pantalla-2020-07-07-a-las-8.36.40-1024x574.png?resize=800%2C448&#038;ssl=1\" alt=\"Expansi\u00f3n: Un juez declara gratuita una hipoteca IRPH\" class=\"wp-image-53048\" title=\"\"><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"diario-de-pontevedra-una-sentencia-sobre-el-irph-pionera-deja-una-hipoteca-sin-intereses-para-el-cliente\"><em>Diario de Pontevedra<\/em>: Una sentencia sobre el IRPH pionera deja una hipoteca sin intereses para el cliente<\/h3>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-recalc-dims=\"1\" decoding=\"async\" width=\"682\" height=\"1024\" data-attachment-id=\"53049\" data-permalink=\"https:\/\/staging.asufin.com\/staging\/asufin-medios-primera-sentencia-irph-sin-interes\/captura-de-pantalla-2020-07-07-a-las-8-39-29\/\" data-orig-file=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/07\/Captura-de-pantalla-2020-07-07-a-las-8.39.29-e1594104018911.png?fit=400%2C601&amp;ssl=1\" data-orig-size=\"400,601\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Diario de Pontevedra: Una sentencia sobre el IRPH pionera deja una hipoteca sin intereses para el cliente\" data-image-description=\"&lt;p&gt;Diario de Pontevedra: Una sentencia sobre el IRPH pionera deja una hipoteca sin intereses para el cliente&lt;\/p&gt;\n\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/07\/Captura-de-pantalla-2020-07-07-a-las-8.39.29-e1594104018911.png?fit=682%2C1024&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/asufin.com\/wp-content\/uploads\/2020\/07\/Captura-de-pantalla-2020-07-07-a-las-8.39.29-682x1024.png?resize=682%2C1024&#038;ssl=1\" alt=\"Diario de Pontevedra: Una sentencia sobre el IRPH pionera deja una hipoteca sin intereses para el cliente\" class=\"wp-image-53049\" title=\"\"><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"el-confidencial-sentencia-pionera-de-un-juez-de-toledo-sobre-el-irph-deja-la-hipoteca-sin-interes\"><em>El Confidencial<\/em> | Sentencia pionera de un juez de Toledo sobre el IRPH: deja la hipoteca sin inter\u00e9s<\/h3>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/www.elconfidencial.com\/vivienda\/2020-07-06\/hipotecas-clausulas-abusivas-irph-euribor-tjue_2670155\/\" target=\"_blank\" rel=\"noopener\"><img data-recalc-dims=\"1\" decoding=\"async\" width=\"800\" height=\"199\" data-attachment-id=\"53050\" data-permalink=\"https:\/\/staging.asufin.com\/staging\/asufin-medios-primera-sentencia-irph-sin-interes\/captura-de-pantalla-2020-07-07-a-las-8-41-00\/\" data-orig-file=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/07\/Captura-de-pantalla-2020-07-07-a-las-8.41.00.png?fit=1752%2C436&amp;ssl=1\" data-orig-size=\"1752,436\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"El Confidencial | Sentencia pionera de un juez de Toledo sobre el IRPH: deja la hipoteca sin inter\u00e9s\" data-image-description=\"&lt;p&gt;El Confidencial | Sentencia pionera de un juez de Toledo sobre el IRPH: deja la hipoteca sin inter\u00e9s&lt;\/p&gt;\n\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/07\/Captura-de-pantalla-2020-07-07-a-las-8.41.00.png?fit=800%2C199&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/asufin.com\/wp-content\/uploads\/2020\/07\/Captura-de-pantalla-2020-07-07-a-las-8.41.00-1024x255.png?resize=800%2C199&#038;ssl=1\" alt=\"El Confidencial | Sentencia pionera de un juez de Toledo sobre el IRPH: deja la hipoteca sin inter\u00e9s\" class=\"wp-image-53050\" title=\"\" srcset=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/07\/Captura-de-pantalla-2020-07-07-a-las-8.41.00.png?resize=1024%2C255&amp;ssl=1 1024w, https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/07\/Captura-de-pantalla-2020-07-07-a-las-8.41.00.png?resize=300%2C75&amp;ssl=1 300w, https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/07\/Captura-de-pantalla-2020-07-07-a-las-8.41.00.png?resize=768%2C191&amp;ssl=1 768w, https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/07\/Captura-de-pantalla-2020-07-07-a-las-8.41.00.png?resize=1536%2C382&amp;ssl=1 1536w, https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/07\/Captura-de-pantalla-2020-07-07-a-las-8.41.00.png?resize=1320%2C328&amp;ssl=1 1320w, https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/07\/Captura-de-pantalla-2020-07-07-a-las-8.41.00.png?w=1752&amp;ssl=1 1752w, https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/07\/Captura-de-pantalla-2020-07-07-a-las-8.41.00.png?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/a><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"la-informacion-declaran-gratuita-una-hipoteca-de-banco-popular\"><em>La Informaci\u00f3n<\/em>: Declaran gratuita una hipoteca de Banco Popular<\/h3>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/www.lainformacion.com\/economia-negocios-y-finanzas\/declaran-gratuita-hipoteca-ligada-irph-banco-popular\/2809630\/\" target=\"_blank\" rel=\"noopener\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"226\" data-attachment-id=\"53051\" data-permalink=\"https:\/\/staging.asufin.com\/staging\/asufin-medios-primera-sentencia-irph-sin-interes\/captura-de-pantalla-2020-07-07-a-las-8-43-08\/\" data-orig-file=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/07\/Captura-de-pantalla-2020-07-07-a-las-8.43.08.png?fit=1968%2C556&amp;ssl=1\" data-orig-size=\"1968,556\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"La Informaci\u00f3n: Declaran gratuita una hipoteca de Banco Popular ligada al IRPH\" data-image-description=\"&lt;p&gt;La Informaci\u00f3n: Declaran gratuita una hipoteca de Banco Popular ligada al IRPH&lt;\/p&gt;\n\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/07\/Captura-de-pantalla-2020-07-07-a-las-8.43.08.png?fit=800%2C226&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/asufin.com\/wp-content\/uploads\/2020\/07\/Captura-de-pantalla-2020-07-07-a-las-8.43.08-1024x289.png?resize=800%2C226&#038;ssl=1\" alt=\"La Informaci\u00f3n: Declaran gratuita una hipoteca de Banco Popular ligada al IRPH\" class=\"wp-image-53051\" title=\"\" srcset=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/07\/Captura-de-pantalla-2020-07-07-a-las-8.43.08.png?resize=1024%2C289&amp;ssl=1 1024w, https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/07\/Captura-de-pantalla-2020-07-07-a-las-8.43.08.png?resize=300%2C85&amp;ssl=1 300w, https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/07\/Captura-de-pantalla-2020-07-07-a-las-8.43.08.png?resize=768%2C217&amp;ssl=1 768w, https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/07\/Captura-de-pantalla-2020-07-07-a-las-8.43.08.png?resize=1536%2C434&amp;ssl=1 1536w, https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/07\/Captura-de-pantalla-2020-07-07-a-las-8.43.08.png?resize=1320%2C373&amp;ssl=1 1320w, https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/07\/Captura-de-pantalla-2020-07-07-a-las-8.43.08.png?w=1968&amp;ssl=1 1968w, https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/07\/Captura-de-pantalla-2020-07-07-a-las-8.43.08.png?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/a><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"el-espanol-un-juez-dicta-la-primera-sentencia-de-irph-que-deja-la-hipoteca-sin-intereses\"><em>El Espa\u00f1ol<\/em>: Un juez dicta la primera sentencia de IRPH que deja la hipoteca sin intereses<\/h3>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/www.elespanol.com\/invertia\/empresas\/banca\/20200706\/dicta-primera-sentencia-irph-hipoteca-sin-intereses\/503200166_0.html\" target=\"_blank\" rel=\"noopener\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"733\" data-attachment-id=\"53052\" data-permalink=\"https:\/\/staging.asufin.com\/staging\/asufin-medios-primera-sentencia-irph-sin-interes\/captura-de-pantalla-2020-07-07-a-las-8-44-27\/\" data-orig-file=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/07\/Captura-de-pantalla-2020-07-07-a-las-8.44.27.png?fit=1380%2C1264&amp;ssl=1\" data-orig-size=\"1380,1264\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"El Espa\u00f1ol: Un juez dicta la primera sentencia de IRPH que deja la hipoteca sin intereses\" data-image-description=\"&lt;p&gt;El Espa\u00f1ol: Un juez dicta la primera sentencia de IRPH que deja la hipoteca sin intereses&lt;\/p&gt;\n\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/07\/Captura-de-pantalla-2020-07-07-a-las-8.44.27.png?fit=800%2C733&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/asufin.com\/wp-content\/uploads\/2020\/07\/Captura-de-pantalla-2020-07-07-a-las-8.44.27-1024x938.png?resize=800%2C733&#038;ssl=1\" alt=\"El Espa\u00f1ol: Un juez dicta la primera sentencia de IRPH que deja la hipoteca sin intereses\" class=\"wp-image-53052\" title=\"\" srcset=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/07\/Captura-de-pantalla-2020-07-07-a-las-8.44.27.png?resize=1024%2C938&amp;ssl=1 1024w, https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/07\/Captura-de-pantalla-2020-07-07-a-las-8.44.27.png?resize=300%2C275&amp;ssl=1 300w, https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/07\/Captura-de-pantalla-2020-07-07-a-las-8.44.27.png?resize=768%2C703&amp;ssl=1 768w, https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/07\/Captura-de-pantalla-2020-07-07-a-las-8.44.27.png?resize=1320%2C1209&amp;ssl=1 1320w, https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/07\/Captura-de-pantalla-2020-07-07-a-las-8.44.27.png?w=1380&amp;ssl=1 1380w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/a><\/figure>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Expansi\u00f3n, Europa Press o El Espa\u00f1ol se hacen eco de la primera sentencia IRPH que deja un pr\u00e9stamo sin inter\u00e9s<\/p>\n","protected":false},"author":2,"featured_media":53053,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[146,42,3383],"tags":[3105],"class_list":["post-53045","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bpopular","category-irph","category-prensa","tag-asufin-medios"],"acf":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/07\/house-4516176_1920.jpg?fit=1920%2C1280&ssl=1","jetpack_shortlink":"https:\/\/wp.me\/peayLa-dNz","jetpack_likes_enabled":false,"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/posts\/53045","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/comments?post=53045"}],"version-history":[{"count":2,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/posts\/53045\/revisions"}],"predecessor-version":[{"id":87072,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/posts\/53045\/revisions\/87072"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/media\/53053"}],"wp:attachment":[{"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/media?parent=53045"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/categories?post=53045"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/tags?post=53045"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}