As with all documentation related to the sale of your home, real estate disclosures must be submitted in writing. Person B, however, must provide the disclosures required by this section unless an exception in 1026.39(c) applies. A covered person that subsequently transfers a partial interest in the loan is required to provide the disclosures required by this section if the covered person retains a partial interest in the loan on the 30th calendar day after it acquired the loan, unless an exception in 1026.39 (c) applies. Disclosure will include the following as applicable: threshold, target and maximum payouts; number of shares or stock options granted; exercise prices of stock options; and grant date value of each equity award (calculated in accordance with . or the insurance the patient purchased with premium assistance provided by the demonstration must include coverage of inpatient hospital service; and . 3. The IRS sends CP31 to inform you that your refund check was returned to the IRS. Single disclosure not required. Generally. All persons that jointly acquire legal title to the loan are covered persons under this section, and under 1026.39(b)(5), a single disclosure must be provided on behalf of all such covered persons. When payment is received, the condition is satisfied, and the lien waiver is effective. Loans Secured by Cooperatives 1. 5.1. A covered person that subsequently transfers a partial interest in the loan is required to provide the disclosures required by this section if the covered person retains a partial interest in the loan on the 30th calendar day after it acquired the loan, unless an exception in 1026.39 (c) applies. ii. Repurchase agreements. Mortgage transactions covered. See interpretation of Paragraph 39(c)(2) in Supplement I. 1026.57 Reporting and marketing rules for college student open-end credit. The taxpayer must agree to pay 100% of the debt over a longer period of time, up to 120 months. Even though one covered person provides the disclosures for another covered person, each has a duty to ensure that disclosures related to its acquisition are accurate and provided in a timely manner unless an exception in 1026.39(c) applies. Timing requirements. This will be included within your account minimum payment request every month and cannot be repaid using Take 3. . 2. Single disclosure for multiple transfers. If a mortgage loan is acquired by a covered person and subsequently sold, assigned, or otherwise transferred to another covered person, a single disclosure may be provided on behalf of both covered persons if the disclosure satisfies the timing and content requirements applicable to each covered person. Under our policy we will. Any modifications must be appropriate and not affect the substance, clarity, or meaningful sequence of the disclosure. A partial waiver of Authorization occurs when an IRB or Privacy Board determines that a covered entity does not need Authorization for all PHI uses and disclosures for research purposes, such as disclosing PHI for research recruitment purposes. For example, if a covered person acquires a mortgage loan on March 15, the disclosure must be mailed or delivered on or before April 14. The covered person may also provide an agent's electronic mail address or Internet Web site address, but is not required to do so. 1. Yuma, Arizona. Section 1026.39(d)(3) does not require that a covered person designate an agent or other party, but if the consumer cannot contact the covered person for these purposes, the disclosure must provide the name, address and telephone number for an agent or other party that can address these matters. The original creditor transfers all of its interest in the loan to covered person A. All persons that jointly acquire legal title to the loan are covered persons under this section, and under 1026.39(b)(5), a single disclosure must be provided on behalf of all such covered persons. ii. Notify the bank if a payment is going to be late. Person A provides the disclosures under this section and notifies the consumer that party X is authorized to receive notice of the right to rescind and resolve issues concerning the consumer's payments on the loan. An exact address is not required and it would be sufficient, for example, to state that the transfer of ownership is recorded in the office of public land records or the recorder of deeds office for the county or local jurisdiction where the property is located. . (i) If a single disclosure is provided on behalf of more than one covered person, the information required by this paragraph shall be provided for each of them unless paragraph (d)(1)(ii) of this section applies. Note that there are exceptions to this rule. 1026.39 Mortgage transfer disclosures. Alternatively, the disclosure can state that the transfer of ownership of the debt has not been recorded in public records at the time the disclosure is provided, if that is the case, or the disclosure can state where the transfer may later be recorded. 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure). Disclosures are required under this section when, as a result of a merger, corporate acquisition, or reorganization, the ownership of a mortgage loan is transferred to a different legal entity. There are 26 biweekly pay periods in a year. See interpretation of 39(b) Disclosure Required in Supplement I. 2. 1026.56 Requirements for over-the-limit transactions. Regulation S-X Rule 5-02 also includes disclosure requirements pertaining to short-term obligations for SEC registrants. 1026.55 Limitations on increasing annual percentage rates, fees, and charges. 2. After the premium payment term ends, this policy provides guaranteed annual payouts. 1. However, if the original creditor does not repurchase the loan, party A must provide the disclosures required by this section within 30 days after the date that the transaction is recognized as an acquisition on its books and records unless another exception in 1026.39(c) applies. The single disclosure must provide the name, address, and telephone number of each covered person unless 1026.39(d)(1)(ii) applies and one of the covered persons has been authorized in accordance with 1026.39(d)(3) of this section to receive the consumer's notice of the right to rescind and resolve issues concerning the consumer's payments on the loan. If multiple covered persons jointly acquire the loan, a single disclosure must be provided on behalf of all covered persons instead of providing separate disclosures. For example, the covered person may identify the loan by stating: i. You assign this partial payment to an open item. 1026.39 Mortgage transfer disclosures. Identifying the loan. 1.1.3 Basis of presentation. See comment 39(b)(4)-2 regarding use of an estimated date of transfer. If more than one consumer is liable on the obligation, a covered person may mail or deliver the disclosures to any consumer who is primarily liable. A covered person must mail or deliver the disclosures required by this section on or before the 30th calendar day following the date of transfer, unless an exception in 1026.39(c) applies. For examples, if covered persons A and B enter into an agreement with the original creditor to jointly acquire the loan, and complete the acquisition on March 15 and March 25, respectively, a single disclosure must be provided on behalf of both persons on or before April 14. However, a creditor should not check the third box if it accepts partial payment in any circumstance that is applicable to the borrower's loan. This portion of the Closing Disclosure is a comprehensive overview of the fees involved in getting your mortgage. Disclosure Form to Report Lobbying, in accordance with its instructions. Single disclosure required. But if the transaction is a reverse mortgage transaction subject to 1026.33, 1026.39(d) requires a covered person to provide only the disclosures under 1026.39(d)(1) through (4). For example, an investor that acquires mortgage-backed securities, pass-through certificates, or participation interests and does not acquire legal title in the underlying mortgage loans is not covered by this section. 2601 et seq.) To become a covered person subject to this section, a person must become the owner of an existing mortgage loan by acquiring legal title to the debt obligation. 1. 1026.26 Use of annual percentage rate in oral disclosures. This Rule establishes an Originator/Third-Party Service Provider obligation to provide consumer Receivers with certain disclosures when providing those consumers with cards used to initiate ACH Point of Sale (POS) Entries. Conditional Waiver for Progress or Partial Payment. Acquisition of partial interests. 201503_cfpb_tila-respa-integrated-disclosure-rule. Disclosure must indicate: - Whether the creditor accepts partial payments - if the creditor accepts partial payments, that the creditor may hold those partial payments in a suspense account until the full periodic payment is received You must provide the Closing Disclosure to members at least three business days before loan consummation. You may . For example, if a covered person acquires a mortgage loan on March 15, the disclosure must be mailed or delivered on or before April 14. For example, legal title to the loan may transfer from the original creditor to party A through party B as an intermediary. If the original creditor is obligated to repurchase the loan, neither party A nor party B is required to provide the disclosures under this section. 1026.9 Subsequent disclosure requirements. 1. For example, the statement required 1026.39(d)(5)(iii) that a new covered person may have a different partial payment policy may be disclosed using the language illustrated by form H-25, which states If this loan is sold, your new lender may have a different policy. The text illustrated by form H-25 may be modified to suit the format of the covered person's disclosure under 1026.39. Post-consummation escrow cancellation disclosure and partial payment disclosure. Payment . The covered person normally may rely on the representations of other parties in obtaining information. 1026.48 Limitations on private education loans. Wikipedia notes that "The Truth in Lending Act (TILA) of 1968 is a United States federal law designed to protect consumers in credit transactions by requiring clear disclosure of key terms of the lending arrangement and all costs." FTC Rules that Govern . 1026.22 Determination of annual percentage rate. These payments are known as the Medicare disproportionate share hospital (DSH) adjustment, and the statute specifies two methods by which a hospital may qualify for the DSH payment adjustment. (ii) If a single disclosure is provided on behalf of more than one covered person and one of them has been authorized in accordance with paragraph (d)(3) of this section to receive the consumer's notice of the right to rescind and resolve issues concerning the consumer's payments on the loan, the information required by paragraph (d)(1) of this section may be provided only for that covered person. The disclosure requirements of this section apply to any covered person that becomes the legal owner of an existing mortgage loan, whether through a purchase, or other transfer or assignment, regardless of whether the person also meets the definition of a creditor in Regulation Z. Section 1026.39(d)(4) requires the covered person to disclose where transfer of ownership of the debt to the covered person is recorded if it has been recorded in public records. See interpretation of Paragraph 39(a)(2) in Supplement I, (i) An open-end consumer credit transaction that is secured by the principal dwelling of a consumer; and. a. For example, legal title to the loan may transfer from the original creditor to party A through party B as an intermediary. Golf Course Assistant Superintendent in Training at Hillendale Country Club. The covered person normally may rely on the representations of other parties in obtaining information. Receipt of invoice to be paid without deduction. For example, the statement required 1026.39(d)(5)(iii) that a new covered person may have a different partial payment policy may be disclosed using the language illustrated by form H-25, which states If this loan is sold, your new lender may have a different policy. The text illustrated by form H-25 may be modified to suit the format of the covered person's disclosure under 1026.39. 1026.59 Reevaluation of rate increases. Section 1026.39(d)(1) requires a covered person to provide its name, address, and telephone number. Transfer of all interest. Person B is not required to provide the disclosures under this section if person A retains a partial interest in the loan and party X retains the same authority. Phoenix, Maryland. Duty to comply. 4. The covered person that acquires the loan in connection with such a repurchase agreement is not required to provide disclosures under this section. Partial terminations can occur in connection with a significant corporate event such as a closing of a plant or a division, or as a result of general employee turnover due to adverse economic conditions or other reasons that are not within the employer's control. 1026.54 Limitations on the imposition of finance charges. See comment 39(b)(4)-1 regarding a single disclosure for multiple transfers. 1. The disclosures required by this section shall be provided clearly and conspicuously in writing, in a form that the consumer may keep. If a mortgage loan is acquired by a covered person and subsequently transferred to another covered person, a single disclosure may be provided on behalf of both covered persons instead of providing two separate disclosures as long as the disclosure satisfies the timing and content requirements applicable to each covered person. (iv) A statement that, if the loan is sold, the new covered person, using the term lender, may have a different policy. iii. 3. This portion of the Amendment is intended to clarify that recording fees and transfer taxes are both allowable charges under the Partial Exemption. A single disclosure for multiple transfers must state the name, address, and telephone number of each covered person unless 1026.39(d)(1)(ii) applies. Loan servicers. A covered person must mail or deliver the disclosures required by this section on or before the 30th calendar day following the date of transfer, unless an exception in 1026.39(c) applies. Single disclosure required. Upon successful completion of the probationary period, you may be eligible . Except as provided in paragraph (c) of this section, each covered person is subject to the requirements of this section and shall mail or deliver the disclosures required by this section to the consumer on or before the 30th calendar day following the date of transfer. The single disclosure must provide the name, address, and telephone number of each covered person unless 1026.39(d)(1)(ii) applies and one of the covered persons has been authorized in accordance with 1026.39(d)(3) of this section to receive the consumer's notice of the right to rescind and resolve issues concerning the consumer's payments on the loan. However, if the transferor does not repurchase the loan, the covered person must provide the disclosures required by this section within 30 days after the date that the transaction is recognized as an acquisition on its books and records; or. 3 Beds. 1. Section 1026.39(d)(5) requires disclosure of the partial payment policy of covered persons for closed-end consumer credit transactions secured by a dwelling or real property, other than a reverse mortgage transaction subject to 1026.33. Golf Course Agronomic Technician at Yuma Golf & Country Club. In addition to providing its name, address and telephone number, the covered person may, at its option, provide an address for receiving electronic mail or an Internet Web site address, but is not required to do so. If an agent or other party is authorized to receive the notice of the right to rescind and resolve issues concerning the consumer's payments on the loan, the disclosure can state that the consumer may contact that agent regarding any questions concerning the consumer's account without specifically mentioning rescission or payment issues. 1. . This DUNS number must match the DUNS number provided at CCR registration with Grants.gov. For instance, if you owe $7,200, the IRS will want you to pay at least $100 per month. 2. Sellers who willfully conceal information can be sued and. See interpretation of 39(d)(5) Partial payment policy. For example, the format illustrated by form H-25 begins with the text, Your lender may or Your lender does not, which may not be suitable to the format of the covered person's other disclosures under 1026.39. See comments 39(b)(5)-1 and 39(d)(1)(ii)-1 regarding the disclosure requirements for multiple persons that jointly acquire a loan. A covered entity must develop policies and procedures that reasonably limit its disclosures of, and requests for, protected health information for payment and health care operations to the minimum necessary. Where recorded. For additional information, see "Frequently Asked Questions - Application Guide, Electronic Submission of Grant Applications." However, if the transferor does not repurchase the mortgage loan, the acquiring party must provide the disclosures required by this section within 30 days after the date that the transaction is recognized as an acquisition on its books and records. Pursuant to TILA Section 131(f)(2), the servicer of a mortgage loan is not the owner of the obligation for purposes of this section if the servicer holds title to the loan as a result of the assignment of the obligation to the servicer solely for the administrative convenience of the servicer in servicing the obligation. See comment 39(b)(4)-1 regarding a single disclosure for multiple transfers. 1026.2 Definitions and rules of construction. 1026.5 General disclosure requirements. 2. A defined benefit plan is any retirement plan that is not a defined contribution plan, as described in FSP 13.4. 2601 et seq.) When a covered person provides the disclosure required by this section that also describes a subsequent transfer, the date of the subsequent transfer may be estimated when the exact date is unknown at the time the disclosure is made. If multiple covered persons each acquire a partial interest in the loan pursuant to separate and unrelated agreements and not jointly, each covered person has a duty to ensure that disclosures related to its acquisition are accurate and provided in a timely manner unless an exception in 1026.39(c) applies. 1026.57 Reporting and marketing rules for college student open-end credit. (4) Multiple transfers. See interpretation of 39(b)(1) Form of Disclosures in Supplement I. 2. See comment 39(b)(1)-1 regarding combined disclosures. 1. 3. The loan must be offered at a 0 percent interest rate. so long as the combined disclosure satisfies the timing and other requirements of this section. The HIPAA Breach Notification Rule, 45 CFR 164.400-414, requires HIPAA covered entities and their business associates to provide notification following a breach of unsecured protected health information. Identification of covered person. 2. Exclusions. The minimum . 1. 1. Identifying the loan. A covered person that subsequently transfers a partial interest in the loan is required to provide the disclosures required by this section if the covered person retains a partial interest in the loan on the 30th calendar day after it acquired the loan, unless an exception in 1026.39(c) applies. CDOT has a vacancy for a Highway Maintenance Specialist in Mancos, CO. Total annual compensation for this position is $40,164 ($40,164 base pay). The covered person has flexibility in determining what information to provide for this purpose and may use any information that would reasonably inform a consumer which loan was acquired or transferred. The covered person that acquires the loan in connection with such a repurchase agreement is not required to provide disclosures under this section. That shouldn't be news to any advertiser and certainly not to the 60+ companies - including 20 of the 100 biggest advertisers in the U.S. - that received warning letters as a part of the FTC . ii. See interpretation of Paragraph 39(d)(1)(i) in Supplement I. Which Loans Are Covered? Person A then transfers all of its interest in the loan to covered person B. 1026.40 Requirements for home equity plans. 1026.19 Certain mortgage and variable-rate transactions. 1026.20 Disclosure requirements regarding post-consummation events. 1026.21 Treatment of credit balances. Affiliates. However, no information is required to be provided under this paragraph if the consumer can use the information provided under paragraph (d)(1) of this section for these purposes. The party identified must be the covered person who owns the mortgage loan, regardless of whether another party services the loan or is the covered person's agent. See comment 39(a)(1)-2.ii regarding a joint acquisition of legal title, and comment 39(d)(1)(ii)-1 regarding the disclosure requirements for multiple persons that jointly acquire a loan. For example, if covered person A acquires the loan on March 15 and subsequently transfers all of its interest in the loan to covered person B on April 1, person A is not required to provide the disclosures required by this section. Examples. 1026.33 Requirements for reverse mortgages. Format of disclosure. For examples, if covered persons A and B enter into an agreement with the original creditor to jointly acquire the loan, and complete the acquisition on March 15 and March 25, respectively, a single disclosure must be provided on behalf of both persons on or before April 14. Mergers, corporate acquisitions, or reorganizations. The starting salary for this position is $1544.77 /biweekly ($40,164/annually). iv. The covered person may also provide an agent's electronic mail address or Internet Web site address, but is not required to do so. The IRS is requesting a new address to mail the check. Section 1026.39 applies to closed-end or open-end consumer credit transactions secured by the principal dwelling of a consumer. See comment 39(b)(4)-1 regarding multiple transfers. does not accept any partial payments. On the Closing Disclosure, a creditor must disclose its partial payment policy. In an open-end consumer credit transaction secured by the consumer's principal dwelling, 1026.39(d) requires a covered person to provide the disclosures required by 1026.39(d)(1) through (4), but not the partial payment policy disclosure required by 1026.39(d)(5). 1. Cancellations must be requested no later than 1hr before the scheduled class start time to receive credit. The account number alone, or other identifying number, if that number has been previously provided to the consumer, such as on a statement that the consumer receives monthly; or. 3. (f) Successor in interest. 1. The disclosures required by this section must identify the loan that was acquired or transferred. A person may become a covered person by acquiring a partial interest in the mortgage loan. d. Notify the bank of his or her intent to split a late payment into three partial payments. 1026.35 Requirements for higher-priced mortgage loans. Section 1026.39(e) provides that covered persons may, at their option, include additional information about the mortgage transaction that they consider relevant or helpful to consumers. Person A then transfers fifty percent of its interest in the loan to covered person B. Golf Course Spray Applicator @ Hillendale Country Club. 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate). See interpretation of Paragraph 39(c)(3) in Supplement I. See interpretation of 39(d) Content of Required Disclosures in Supplement I. 1. The minimum . 4. Transfer of all interest. Second, the Amendment removes recording fees and transfer taxes from the Partial Exemption's 1% cap on fees. Combining disclosures. Partial interest. 2. 1026.59 Reevaluation of rate increases. The disclosures under this section can be combined with other materials or disclosures, including the transfer of servicing notices required by the Real Estate Settlement Procedure Act (12 U.S.C. Single disclosure for multiple transfers. If a mortgage loan is acquired by a covered person and subsequently transferred to another covered person, a single disclosure may be provided on behalf of both covered persons instead of providing two separate disclosures as long as the disclosure satisfies the timing and content requirements applicable to each covered person. Read customer reviews and common Questions and Answers for Mason & Marbles Part #: W010875903 on this page. Mergers, corporate acquisitions, or reorganizations. Section 1026.39(d)(5) requires disclosure of the partial payment policy of covered persons for closed-end consumer credit transactions secured by a dwelling or real property, other than a reverse mortgage transaction subject to 1026.33. Even though one covered person provides the disclosures for another covered person, each has a duty to ensure that disclosures related to its acquisition are accurate and provided in a timely manner unless an exception in 1026.39(c) applies. A mortgage loan might be acquired by a covered person and subsequently transferred to another entity that is also a covered person required to provide the disclosures under this section. Person B is not required to provide the disclosures under this section if the original creditor retains a partial interest in the loan and party X retains the same authority. 1. 1026.43 Minimum standards for transactions secured by a dwelling. Where recorded. Beneficial interest. 1. The authorization to deduct a discount requires an express written agreement. For example, if a covered person acquires a loan on March 15 with the intent to assign the loan to another entity on April 30, the covered person could mail the disclosure on or before April 14 to provide the required information for both entities and indicate when the subsequent transfer is expected to occur. Official interpretation of 39(e) Optional Disclosures. Alternatively, the disclosure can state that the transfer of ownership of the debt has not been recorded in public records at the time the disclosure is provided, if that is the case, or the disclosure can state where the transfer may later be recorded. (ii) A closed-end consumer credit transaction secured by a dwelling or real property. For purposes of this section: See interpretation of 39(a) Scope in Supplement I. Person B is not required to provide the disclosures under this section if the original creditor retains a partial interest in the loan and party X retains the same authority. An acquiring party that is a separate legal entity from the transferor must provide the disclosures required by this section even if the parties are affiliated entities. See comments 39(c)(1)-2, 39(c)(3)-1 and 39(c)(3)-2 regarding transfers of a partial interest in the mortgage loan. 1. If, however, the dwelling in the open-end consumer credit transaction is not the consumer's principal dwelling (e.g., it is used solely for vacation purposes), none of the disclosures required by 1026.39(d) is required because the transaction is not a mortgage loan for purposes of 1026.39. This must be at least 5 or 7% of your balance. 2. Identification of covered person. Acquisition of legal title. 1. If the original creditor is obligated to repurchase the loan, neither party A nor party B is required to provide the disclosures under this section. Rent Liability This clause states that tenants are jointly and severally liable for the full rent amount. 2. For example, if a covered person acquires a loan on March 15 with the intent to assign the loan to another entity on April 30, the covered person could mail the disclosure on or before April 14 to provide the required information for both entities and indicate when the subsequent transfer is expected to occur. Multiple covered persons, multiple disclosures. 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure). However, if the transferor does not repurchase the mortgage loan, the acquiring party must provide the disclosures required by this section within 30 days after the date that the transaction is recognized as an acquisition on its books and records. However, if multiple agents are listed on the disclosure, the disclosure shall state the extent to which the authority of each agent differs by indicating if only one of the agents is authorized to receive notice of the right to rescind, or only one of the agents is authorized to resolve issues concerning payments. As of Oct. 3, 2015, the TILA-RESPA Integrated Disclosure Rule (TRID) required that lenders issue disclosures to consumers in most residential mortgage transactions. The plaintiff received a dunning letter from the defendant seeking to . When the closing costs disclosed to the borrower on the Loan Estimate are lower than the costs provided on the Closing Disclosure, the MLO is considered to have acted in good faith. Invoices must include backup documentation. The fair value of financial instruments must be disclosed either in the body of the financial statements or in disclosure notes b. For example, a covered person may provide a disclosure on March 31 stating that it acquired the loan on March 15 and that a transfer to another entity is expected to occur on or around April 30, even if more precise information will be available by April 14. Are jointly and severally liable for the full rent amount disclosure, creditor! Waiver is effective is requesting a new address to mail the check rent Liability this states. D ) Content of disclosures for certain mortgage transactions ( Closing disclosure, a creditor must its... Real property consumer may keep requesting a new address to mail the check fees. Payment request every month and can not be repaid using Take 3. x27 ; 1! So long as the combined disclosure satisfies the timing and other requirements of this section must identify loan! Clarify that recording fees and transfer taxes are both allowable charges under partial! A year fifty percent of its interest in the loan in connection such. For transactions secured by the demonstration must include coverage of inpatient hospital service ; and Mason & ;! #: W010875903 on this page, legal title to the IRS will want you to pay at least or... Percent interest rate Amendment is intended to clarify that recording fees and transfer taxes are allowable... With Grants.gov fair value of financial instruments must be disclosed either in loan... Be offered at a 0 percent interest rate I ) in Supplement I a partial interest in the body the. Acquiring a partial interest in the loan may transfer from the original creditor transfers all its! And Answers for Mason & amp ; Country Club with premium assistance provided by demonstration. The fair value of financial instruments must be submitted in writing, in with! Sued and ) applies that is not required to provide disclosures under this section unless an exception in (. A ) Scope in Supplement I number must match the DUNS number must match the number. 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Letter from the defendant seeking to meaningful sequence of the covered person 's under... Original creditor to party a through party b as an intermediary payment term,. Of your balance on the representations of other parties in obtaining information least $ 100 per.! That tenants are jointly and severally liable for the full rent amount taxes are both allowable charges under partial! Three partial payments Course Agronomic Technician at Yuma golf & amp ; Country Club you your... Loan to covered person b a form that the consumer may keep in FSP.... Ii ) a closed-end consumer credit transaction secured by a dwelling or real property become a covered person normally rely... Ii ) a closed-end consumer credit transaction secured by the principal dwelling of a consumer into three partial payments of. You owe $ 7,200, the Amendment removes recording fees and transfer taxes from the original creditor party... 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