Mortgage Loan of $167,000 for 25 Years at 8.60%
What's the payment on a 25 year home loan for $167k at 8.60% interest?
Results
Monthly payment: $1,356.00
$16,272 per year
What's the monthly payment? Use the loan payment schedule below to view payments each month based on a fixed rate $167k loan. It can be used for a house, car, boat, credit card debt consolidation, student loan debt, motorcycle, RV, race horse, exotic pet, business, real estate, etc... Try paying off your loan early or refinancing to save money.
Also remember to consider other home costs like insurance, taxes, PMI, and general maintenance costs.
Loan Table for 167,000 loan for 25 years at 8.60 percent interest
Amortization Table. How much goes to interest? How much to principal? What's the loan balance?
Month | Monthly Payment | Principal Paid | Interest Paid | Mortgage Balance |
---|---|---|---|---|
1 | 1,356.00 | 159.17 | 1,196.83 | 166,840.83 |
2 | 1,356.00 | 160.31 | 1,195.69 | 166,680.52 |
3 | 1,356.00 | 161.46 | 1,194.54 | 166,519.06 |
4 | 1,356.00 | 162.62 | 1,193.39 | 166,356.45 |
5 | 1,356.00 | 163.78 | 1,192.22 | 166,192.67 |
6 | 1,356.00 | 164.95 | 1,191.05 | 166,027.71 |
7 | 1,356.00 | 166.14 | 1,189.87 | 165,861.58 |
8 | 1,356.00 | 167.33 | 1,188.67 | 165,694.25 |
9 | 1,356.00 | 168.53 | 1,187.48 | 165,525.72 |
10 | 1,356.00 | 169.73 | 1,186.27 | 165,355.99 |
11 | 1,356.00 | 170.95 | 1,185.05 | 165,185.04 |
12 | 1,356.00 | 172.18 | 1,183.83 | 165,012.86 |
13 | 1,356.00 | 173.41 | 1,182.59 | 164,839.45 |
14 | 1,356.00 | 174.65 | 1,181.35 | 164,664.80 |
15 | 1,356.00 | 175.90 | 1,180.10 | 164,488.90 |
16 | 1,356.00 | 177.16 | 1,178.84 | 164,311.73 |
17 | 1,356.00 | 178.43 | 1,177.57 | 164,133.30 |
18 | 1,356.00 | 179.71 | 1,176.29 | 163,953.58 |
19 | 1,356.00 | 181.00 | 1,175.00 | 163,772.58 |
20 | 1,356.00 | 182.30 | 1,173.70 | 163,590.29 |
21 | 1,356.00 | 183.60 | 1,172.40 | 163,406.68 |
22 | 1,356.00 | 184.92 | 1,171.08 | 163,221.76 |
23 | 1,356.00 | 186.25 | 1,169.76 | 163,035.51 |
24 | 1,356.00 | 187.58 | 1,168.42 | 162,847.93 |
25 | 1,356.00 | 188.92 | 1,167.08 | 162,659.01 |
26 | 1,356.00 | 190.28 | 1,165.72 | 162,468.73 |
27 | 1,356.00 | 191.64 | 1,164.36 | 162,277.09 |
28 | 1,356.00 | 193.02 | 1,162.99 | 162,084.07 |
29 | 1,356.00 | 194.40 | 1,161.60 | 161,889.67 |
30 | 1,356.00 | 195.79 | 1,160.21 | 161,693.88 |
31 | 1,356.00 | 197.20 | 1,158.81 | 161,496.68 |
32 | 1,356.00 | 198.61 | 1,157.39 | 161,298.07 |
33 | 1,356.00 | 200.03 | 1,155.97 | 161,098.04 |
34 | 1,356.00 | 201.47 | 1,154.54 | 160,896.58 |
35 | 1,356.00 | 202.91 | 1,153.09 | 160,693.67 |
36 | 1,356.00 | 204.36 | 1,151.64 | 160,489.30 |
37 | 1,356.00 | 205.83 | 1,150.17 | 160,283.47 |
38 | 1,356.00 | 207.30 | 1,148.70 | 160,076.17 |
39 | 1,356.00 | 208.79 | 1,147.21 | 159,867.38 |
40 | 1,356.00 | 210.29 | 1,145.72 | 159,657.10 |
41 | 1,356.00 | 211.79 | 1,144.21 | 159,445.30 |
42 | 1,356.00 | 213.31 | 1,142.69 | 159,231.99 |
43 | 1,356.00 | 214.84 | 1,141.16 | 159,017.15 |
44 | 1,356.00 | 216.38 | 1,139.62 | 158,800.77 |
45 | 1,356.00 | 217.93 | 1,138.07 | 158,582.85 |
46 | 1,356.00 | 219.49 | 1,136.51 | 158,363.35 |
47 | 1,356.00 | 221.06 | 1,134.94 | 158,142.29 |
48 | 1,356.00 | 222.65 | 1,133.35 | 157,919.64 |
49 | 1,356.00 | 224.24 | 1,131.76 | 157,695.40 |
50 | 1,356.00 | 225.85 | 1,130.15 | 157,469.54 |
51 | 1,356.00 | 227.47 | 1,128.53 | 157,242.07 |
52 | 1,356.00 | 229.10 | 1,126.90 | 157,012.97 |
53 | 1,356.00 | 230.74 | 1,125.26 | 156,782.23 |
54 | 1,356.00 | 232.40 | 1,123.61 | 156,549.84 |
55 | 1,356.00 | 234.06 | 1,121.94 | 156,315.77 |
56 | 1,356.00 | 235.74 | 1,120.26 | 156,080.04 |
57 | 1,356.00 | 237.43 | 1,118.57 | 155,842.61 |
58 | 1,356.00 | 239.13 | 1,116.87 | 155,603.48 |
59 | 1,356.00 | 240.84 | 1,115.16 | 155,362.63 |
60 | 1,356.00 | 242.57 | 1,113.43 | 155,120.06 |
61 | 1,356.00 | 244.31 | 1,111.69 | 154,875.76 |
62 | 1,356.00 | 246.06 | 1,109.94 | 154,629.70 |
63 | 1,356.00 | 247.82 | 1,108.18 | 154,381.88 |
64 | 1,356.00 | 249.60 | 1,106.40 | 154,132.28 |
65 | 1,356.00 | 251.39 | 1,104.61 | 153,880.89 |
66 | 1,356.00 | 253.19 | 1,102.81 | 153,627.70 |
67 | 1,356.00 | 255.00 | 1,101.00 | 153,372.70 |
68 | 1,356.00 | 256.83 | 1,099.17 | 153,115.87 |
69 | 1,356.00 | 258.67 | 1,097.33 | 152,857.20 |
70 | 1,356.00 | 260.53 | 1,095.48 | 152,596.67 |
71 | 1,356.00 | 262.39 | 1,093.61 | 152,334.28 |
72 | 1,356.00 | 264.27 | 1,091.73 | 152,070.01 |
73 | 1,356.00 | 266.17 | 1,089.84 | 151,803.84 |
74 | 1,356.00 | 268.07 | 1,087.93 | 151,535.76 |
75 | 1,356.00 | 270.00 | 1,086.01 | 151,265.77 |
76 | 1,356.00 | 271.93 | 1,084.07 | 150,993.84 |
77 | 1,356.00 | 273.88 | 1,082.12 | 150,719.96 |
78 | 1,356.00 | 275.84 | 1,080.16 | 150,444.12 |
79 | 1,356.00 | 277.82 | 1,078.18 | 150,166.30 |
80 | 1,356.00 | 279.81 | 1,076.19 | 149,886.49 |
81 | 1,356.00 | 281.82 | 1,074.19 | 149,604.67 |
82 | 1,356.00 | 283.84 | 1,072.17 | 149,320.84 |
83 | 1,356.00 | 285.87 | 1,070.13 | 149,034.97 |
84 | 1,356.00 | 287.92 | 1,068.08 | 148,747.05 |
85 | 1,356.00 | 289.98 | 1,066.02 | 148,457.07 |
86 | 1,356.00 | 292.06 | 1,063.94 | 148,165.01 |
87 | 1,356.00 | 294.15 | 1,061.85 | 147,870.86 |
88 | 1,356.00 | 296.26 | 1,059.74 | 147,574.60 |
89 | 1,356.00 | 298.38 | 1,057.62 | 147,276.21 |
90 | 1,356.00 | 300.52 | 1,055.48 | 146,975.69 |
91 | 1,356.00 | 302.68 | 1,053.33 | 146,673.01 |
92 | 1,356.00 | 304.85 | 1,051.16 | 146,368.17 |
93 | 1,356.00 | 307.03 | 1,048.97 | 146,061.14 |
94 | 1,356.00 | 309.23 | 1,046.77 | 145,751.91 |
95 | 1,356.00 | 311.45 | 1,044.56 | 145,440.46 |
96 | 1,356.00 | 313.68 | 1,042.32 | 145,126.78 |
97 | 1,356.00 | 315.93 | 1,040.08 | 144,810.86 |
98 | 1,356.00 | 318.19 | 1,037.81 | 144,492.67 |
99 | 1,356.00 | 320.47 | 1,035.53 | 144,172.19 |
100 | 1,356.00 | 322.77 | 1,033.23 | 143,849.43 |
101 | 1,356.00 | 325.08 | 1,030.92 | 143,524.35 |
102 | 1,356.00 | 327.41 | 1,028.59 | 143,196.94 |
103 | 1,356.00 | 329.76 | 1,026.24 | 142,867.18 |
104 | 1,356.00 | 332.12 | 1,023.88 | 142,535.06 |
105 | 1,356.00 | 334.50 | 1,021.50 | 142,200.56 |
106 | 1,356.00 | 336.90 | 1,019.10 | 141,863.66 |
107 | 1,356.00 | 339.31 | 1,016.69 | 141,524.35 |
108 | 1,356.00 | 341.74 | 1,014.26 | 141,182.60 |
109 | 1,356.00 | 344.19 | 1,011.81 | 140,838.41 |
110 | 1,356.00 | 346.66 | 1,009.34 | 140,491.75 |
111 | 1,356.00 | 349.14 | 1,006.86 | 140,142.61 |
112 | 1,356.00 | 351.65 | 1,004.36 | 139,790.96 |
113 | 1,356.00 | 354.17 | 1,001.84 | 139,436.79 |
114 | 1,356.00 | 356.70 | 999.30 | 139,080.09 |
115 | 1,356.00 | 359.26 | 996.74 | 138,720.83 |
116 | 1,356.00 | 361.84 | 994.17 | 138,358.99 |
117 | 1,356.00 | 364.43 | 991.57 | 137,994.56 |
118 | 1,356.00 | 367.04 | 988.96 | 137,627.52 |
119 | 1,356.00 | 369.67 | 986.33 | 137,257.85 |
120 | 1,356.00 | 372.32 | 983.68 | 136,885.53 |
121 | 1,356.00 | 374.99 | 981.01 | 136,510.54 |
122 | 1,356.00 | 377.68 | 978.33 | 136,132.86 |
123 | 1,356.00 | 380.38 | 975.62 | 135,752.48 |
124 | 1,356.00 | 383.11 | 972.89 | 135,369.37 |
125 | 1,356.00 | 385.85 | 970.15 | 134,983.52 |
126 | 1,356.00 | 388.62 | 967.38 | 134,594.90 |
127 | 1,356.00 | 391.41 | 964.60 | 134,203.49 |
128 | 1,356.00 | 394.21 | 961.79 | 133,809.28 |
129 | 1,356.00 | 397.04 | 958.97 | 133,412.25 |
130 | 1,356.00 | 399.88 | 956.12 | 133,012.37 |
131 | 1,356.00 | 402.75 | 953.26 | 132,609.62 |
132 | 1,356.00 | 405.63 | 950.37 | 132,203.99 |
133 | 1,356.00 | 408.54 | 947.46 | 131,795.45 |
134 | 1,356.00 | 411.47 | 944.53 | 131,383.98 |
135 | 1,356.00 | 414.42 | 941.59 | 130,969.56 |
136 | 1,356.00 | 417.39 | 938.62 | 130,552.18 |
137 | 1,356.00 | 420.38 | 935.62 | 130,131.80 |
138 | 1,356.00 | 423.39 | 932.61 | 129,708.41 |
139 | 1,356.00 | 426.42 | 929.58 | 129,281.98 |
140 | 1,356.00 | 429.48 | 926.52 | 128,852.50 |
141 | 1,356.00 | 432.56 | 923.44 | 128,419.94 |
142 | 1,356.00 | 435.66 | 920.34 | 127,984.28 |
143 | 1,356.00 | 438.78 | 917.22 | 127,545.50 |
144 | 1,356.00 | 441.93 | 914.08 | 127,103.58 |
145 | 1,356.00 | 445.09 | 910.91 | 126,658.48 |
146 | 1,356.00 | 448.28 | 907.72 | 126,210.20 |
147 | 1,356.00 | 451.50 | 904.51 | 125,758.71 |
148 | 1,356.00 | 454.73 | 901.27 | 125,303.97 |
149 | 1,356.00 | 457.99 | 898.01 | 124,845.98 |
150 | 1,356.00 | 461.27 | 894.73 | 124,384.71 |
151 | 1,356.00 | 464.58 | 891.42 | 123,920.13 |
152 | 1,356.00 | 467.91 | 888.09 | 123,452.23 |
153 | 1,356.00 | 471.26 | 884.74 | 122,980.97 |
154 | 1,356.00 | 474.64 | 881.36 | 122,506.33 |
155 | 1,356.00 | 478.04 | 877.96 | 122,028.29 |
156 | 1,356.00 | 481.47 | 874.54 | 121,546.82 |
157 | 1,356.00 | 484.92 | 871.09 | 121,061.91 |
158 | 1,356.00 | 488.39 | 867.61 | 120,573.51 |
159 | 1,356.00 | 491.89 | 864.11 | 120,081.62 |
160 | 1,356.00 | 495.42 | 860.58 | 119,586.21 |
161 | 1,356.00 | 498.97 | 857.03 | 119,087.24 |
162 | 1,356.00 | 502.54 | 853.46 | 118,584.69 |
163 | 1,356.00 | 506.14 | 849.86 | 118,078.55 |
164 | 1,356.00 | 509.77 | 846.23 | 117,568.78 |
165 | 1,356.00 | 513.43 | 842.58 | 117,055.35 |
166 | 1,356.00 | 517.11 | 838.90 | 116,538.25 |
167 | 1,356.00 | 520.81 | 835.19 | 116,017.44 |
168 | 1,356.00 | 524.54 | 831.46 | 115,492.89 |
169 | 1,356.00 | 528.30 | 827.70 | 114,964.59 |
170 | 1,356.00 | 532.09 | 823.91 | 114,432.50 |
171 | 1,356.00 | 535.90 | 820.10 | 113,896.60 |
172 | 1,356.00 | 539.74 | 816.26 | 113,356.86 |
173 | 1,356.00 | 543.61 | 812.39 | 112,813.24 |
174 | 1,356.00 | 547.51 | 808.49 | 112,265.74 |
175 | 1,356.00 | 551.43 | 804.57 | 111,714.31 |
176 | 1,356.00 | 555.38 | 800.62 | 111,158.92 |
177 | 1,356.00 | 559.36 | 796.64 | 110,599.56 |
178 | 1,356.00 | 563.37 | 792.63 | 110,036.19 |
179 | 1,356.00 | 567.41 | 788.59 | 109,468.78 |
180 | 1,356.00 | 571.48 | 784.53 | 108,897.31 |
181 | 1,356.00 | 575.57 | 780.43 | 108,321.73 |
182 | 1,356.00 | 579.70 | 776.31 | 107,742.04 |
183 | 1,356.00 | 583.85 | 772.15 | 107,158.19 |
184 | 1,356.00 | 588.03 | 767.97 | 106,570.15 |
185 | 1,356.00 | 592.25 | 763.75 | 105,977.90 |
186 | 1,356.00 | 596.49 | 759.51 | 105,381.41 |
187 | 1,356.00 | 600.77 | 755.23 | 104,780.64 |
188 | 1,356.00 | 605.07 | 750.93 | 104,175.57 |
189 | 1,356.00 | 609.41 | 746.59 | 103,566.16 |
190 | 1,356.00 | 613.78 | 742.22 | 102,952.38 |
191 | 1,356.00 | 618.18 | 737.83 | 102,334.20 |
192 | 1,356.00 | 622.61 | 733.40 | 101,711.60 |
193 | 1,356.00 | 627.07 | 728.93 | 101,084.53 |
194 | 1,356.00 | 631.56 | 724.44 | 100,452.97 |
195 | 1,356.00 | 636.09 | 719.91 | 99,816.88 |
196 | 1,356.00 | 640.65 | 715.35 | 99,176.23 |
197 | 1,356.00 | 645.24 | 710.76 | 98,530.99 |
198 | 1,356.00 | 649.86 | 706.14 | 97,881.13 |
199 | 1,356.00 | 654.52 | 701.48 | 97,226.61 |
200 | 1,356.00 | 659.21 | 696.79 | 96,567.40 |
201 | 1,356.00 | 663.94 | 692.07 | 95,903.46 |
202 | 1,356.00 | 668.69 | 687.31 | 95,234.77 |
203 | 1,356.00 | 673.49 | 682.52 | 94,561.28 |
204 | 1,356.00 | 678.31 | 677.69 | 93,882.97 |
205 | 1,356.00 | 683.17 | 672.83 | 93,199.79 |
206 | 1,356.00 | 688.07 | 667.93 | 92,511.72 |
207 | 1,356.00 | 693.00 | 663.00 | 91,818.72 |
208 | 1,356.00 | 697.97 | 658.03 | 91,120.75 |
209 | 1,356.00 | 702.97 | 653.03 | 90,417.78 |
210 | 1,356.00 | 708.01 | 647.99 | 89,709.78 |
211 | 1,356.00 | 713.08 | 642.92 | 88,996.70 |
212 | 1,356.00 | 718.19 | 637.81 | 88,278.50 |
213 | 1,356.00 | 723.34 | 632.66 | 87,555.16 |
214 | 1,356.00 | 728.52 | 627.48 | 86,826.64 |
215 | 1,356.00 | 733.74 | 622.26 | 86,092.90 |
216 | 1,356.00 | 739.00 | 617.00 | 85,353.89 |
217 | 1,356.00 | 744.30 | 611.70 | 84,609.60 |
218 | 1,356.00 | 749.63 | 606.37 | 83,859.96 |
219 | 1,356.00 | 755.01 | 601.00 | 83,104.96 |
220 | 1,356.00 | 760.42 | 595.59 | 82,344.54 |
221 | 1,356.00 | 765.87 | 590.14 | 81,578.67 |
222 | 1,356.00 | 771.35 | 584.65 | 80,807.32 |
223 | 1,356.00 | 776.88 | 579.12 | 80,030.44 |
224 | 1,356.00 | 782.45 | 573.55 | 79,247.99 |
225 | 1,356.00 | 788.06 | 567.94 | 78,459.93 |
226 | 1,356.00 | 793.71 | 562.30 | 77,666.22 |
227 | 1,356.00 | 799.39 | 556.61 | 76,866.83 |
228 | 1,356.00 | 805.12 | 550.88 | 76,061.71 |
229 | 1,356.00 | 810.89 | 545.11 | 75,250.81 |
230 | 1,356.00 | 816.70 | 539.30 | 74,434.11 |
231 | 1,356.00 | 822.56 | 533.44 | 73,611.55 |
232 | 1,356.00 | 828.45 | 527.55 | 72,783.10 |
233 | 1,356.00 | 834.39 | 521.61 | 71,948.71 |
234 | 1,356.00 | 840.37 | 515.63 | 71,108.34 |
235 | 1,356.00 | 846.39 | 509.61 | 70,261.95 |
236 | 1,356.00 | 852.46 | 503.54 | 69,409.49 |
237 | 1,356.00 | 858.57 | 497.43 | 68,550.92 |
238 | 1,356.00 | 864.72 | 491.28 | 67,686.20 |
239 | 1,356.00 | 870.92 | 485.08 | 66,815.29 |
240 | 1,356.00 | 877.16 | 478.84 | 65,938.13 |
241 | 1,356.00 | 883.45 | 472.56 | 65,054.68 |
242 | 1,356.00 | 889.78 | 466.23 | 64,164.90 |
243 | 1,356.00 | 896.15 | 459.85 | 63,268.75 |
244 | 1,356.00 | 902.58 | 453.43 | 62,366.18 |
245 | 1,356.00 | 909.04 | 446.96 | 61,457.13 |
246 | 1,356.00 | 915.56 | 440.44 | 60,541.57 |
247 | 1,356.00 | 922.12 | 433.88 | 59,619.45 |
248 | 1,356.00 | 928.73 | 427.27 | 58,690.72 |
249 | 1,356.00 | 935.38 | 420.62 | 57,755.34 |
250 | 1,356.00 | 942.09 | 413.91 | 56,813.25 |
251 | 1,356.00 | 948.84 | 407.16 | 55,864.41 |
252 | 1,356.00 | 955.64 | 400.36 | 54,908.77 |
253 | 1,356.00 | 962.49 | 393.51 | 53,946.28 |
254 | 1,356.00 | 969.39 | 386.62 | 52,976.89 |
255 | 1,356.00 | 976.33 | 379.67 | 52,000.56 |
256 | 1,356.00 | 983.33 | 372.67 | 51,017.23 |
257 | 1,356.00 | 990.38 | 365.62 | 50,026.85 |
258 | 1,356.00 | 997.48 | 358.53 | 49,029.37 |
259 | 1,356.00 | 1,004.62 | 351.38 | 48,024.75 |
260 | 1,356.00 | 1,011.82 | 344.18 | 47,012.92 |
261 | 1,356.00 | 1,019.08 | 336.93 | 45,993.85 |
262 | 1,356.00 | 1,026.38 | 329.62 | 44,967.47 |
263 | 1,356.00 | 1,033.73 | 322.27 | 43,933.73 |
264 | 1,356.00 | 1,041.14 | 314.86 | 42,892.59 |
265 | 1,356.00 | 1,048.60 | 307.40 | 41,843.99 |
266 | 1,356.00 | 1,056.12 | 299.88 | 40,787.87 |
267 | 1,356.00 | 1,063.69 | 292.31 | 39,724.18 |
268 | 1,356.00 | 1,071.31 | 284.69 | 38,652.86 |
269 | 1,356.00 | 1,078.99 | 277.01 | 37,573.88 |
270 | 1,356.00 | 1,086.72 | 269.28 | 36,487.15 |
271 | 1,356.00 | 1,094.51 | 261.49 | 35,392.64 |
272 | 1,356.00 | 1,102.35 | 253.65 | 34,290.29 |
273 | 1,356.00 | 1,110.25 | 245.75 | 33,180.03 |
274 | 1,356.00 | 1,118.21 | 237.79 | 32,061.82 |
275 | 1,356.00 | 1,126.23 | 229.78 | 30,935.60 |
276 | 1,356.00 | 1,134.30 | 221.71 | 29,801.30 |
277 | 1,356.00 | 1,142.43 | 213.58 | 28,658.87 |
278 | 1,356.00 | 1,150.61 | 205.39 | 27,508.26 |
279 | 1,356.00 | 1,158.86 | 197.14 | 26,349.40 |
280 | 1,356.00 | 1,167.16 | 188.84 | 25,182.24 |
281 | 1,356.00 | 1,175.53 | 180.47 | 24,006.71 |
282 | 1,356.00 | 1,183.95 | 172.05 | 22,822.75 |
283 | 1,356.00 | 1,192.44 | 163.56 | 21,630.31 |
284 | 1,356.00 | 1,200.98 | 155.02 | 20,429.33 |
285 | 1,356.00 | 1,209.59 | 146.41 | 19,219.74 |
286 | 1,356.00 | 1,218.26 | 137.74 | 18,001.48 |
287 | 1,356.00 | 1,226.99 | 129.01 | 16,774.49 |
288 | 1,356.00 | 1,235.78 | 120.22 | 15,538.70 |
289 | 1,356.00 | 1,244.64 | 111.36 | 14,294.06 |
290 | 1,356.00 | 1,253.56 | 102.44 | 13,040.50 |
291 | 1,356.00 | 1,262.54 | 93.46 | 11,777.95 |
292 | 1,356.00 | 1,271.59 | 84.41 | 10,506.36 |
293 | 1,356.00 | 1,280.71 | 75.30 | 9,225.66 |
294 | 1,356.00 | 1,289.88 | 66.12 | 7,935.77 |
295 | 1,356.00 | 1,299.13 | 56.87 | 6,636.64 |
296 | 1,356.00 | 1,308.44 | 47.56 | 5,328.20 |
297 | 1,356.00 | 1,317.82 | 38.19 | 4,010.39 |
298 | 1,356.00 | 1,327.26 | 28.74 | 2,683.13 |
299 | 1,356.00 | 1,336.77 | 19.23 | 1,346.35 |
300 | 1,356.00 | 1,346.35 | 9.65 | 0.00 |