Mortgage Loan of $312,500 for 25 Years at 3.55%
What's the payment on a 25 year home loan for $312.5k at 3.55% interest?
Results
Monthly payment: $1,572.84
$18,874 per year
What's the monthly payment? Use the loan payment schedule below to view payments each month based on a fixed rate $312.5k 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 312,500 loan for 25 years at 3.55 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 | 1,572.84 | 648.36 | 924.48 | 311,851.64 |
2 | 1,572.84 | 650.28 | 922.56 | 311,201.36 |
3 | 1,572.84 | 652.20 | 920.64 | 310,549.15 |
4 | 1,572.84 | 654.13 | 918.71 | 309,895.02 |
5 | 1,572.84 | 656.07 | 916.77 | 309,238.95 |
6 | 1,572.84 | 658.01 | 914.83 | 308,580.94 |
7 | 1,572.84 | 659.96 | 912.89 | 307,920.99 |
8 | 1,572.84 | 661.91 | 910.93 | 307,259.08 |
9 | 1,572.84 | 663.87 | 908.97 | 306,595.21 |
10 | 1,572.84 | 665.83 | 907.01 | 305,929.38 |
11 | 1,572.84 | 667.80 | 905.04 | 305,261.58 |
12 | 1,572.84 | 669.78 | 903.07 | 304,591.81 |
13 | 1,572.84 | 671.76 | 901.08 | 303,920.05 |
14 | 1,572.84 | 673.74 | 899.10 | 303,246.31 |
15 | 1,572.84 | 675.74 | 897.10 | 302,570.57 |
16 | 1,572.84 | 677.74 | 895.10 | 301,892.83 |
17 | 1,572.84 | 679.74 | 893.10 | 301,213.09 |
18 | 1,572.84 | 681.75 | 891.09 | 300,531.34 |
19 | 1,572.84 | 683.77 | 889.07 | 299,847.57 |
20 | 1,572.84 | 685.79 | 887.05 | 299,161.78 |
21 | 1,572.84 | 687.82 | 885.02 | 298,473.96 |
22 | 1,572.84 | 689.86 | 882.99 | 297,784.10 |
23 | 1,572.84 | 691.90 | 880.94 | 297,092.20 |
24 | 1,572.84 | 693.94 | 878.90 | 296,398.26 |
25 | 1,572.84 | 696.00 | 876.84 | 295,702.27 |
26 | 1,572.84 | 698.06 | 874.79 | 295,004.21 |
27 | 1,572.84 | 700.12 | 872.72 | 294,304.09 |
28 | 1,572.84 | 702.19 | 870.65 | 293,601.90 |
29 | 1,572.84 | 704.27 | 868.57 | 292,897.63 |
30 | 1,572.84 | 706.35 | 866.49 | 292,191.28 |
31 | 1,572.84 | 708.44 | 864.40 | 291,482.84 |
32 | 1,572.84 | 710.54 | 862.30 | 290,772.30 |
33 | 1,572.84 | 712.64 | 860.20 | 290,059.66 |
34 | 1,572.84 | 714.75 | 858.09 | 289,344.91 |
35 | 1,572.84 | 716.86 | 855.98 | 288,628.05 |
36 | 1,572.84 | 718.98 | 853.86 | 287,909.06 |
37 | 1,572.84 | 721.11 | 851.73 | 287,187.95 |
38 | 1,572.84 | 723.24 | 849.60 | 286,464.71 |
39 | 1,572.84 | 725.38 | 847.46 | 285,739.33 |
40 | 1,572.84 | 727.53 | 845.31 | 285,011.80 |
41 | 1,572.84 | 729.68 | 843.16 | 284,282.12 |
42 | 1,572.84 | 731.84 | 841.00 | 283,550.28 |
43 | 1,572.84 | 734.00 | 838.84 | 282,816.27 |
44 | 1,572.84 | 736.18 | 836.66 | 282,080.10 |
45 | 1,572.84 | 738.35 | 834.49 | 281,341.74 |
46 | 1,572.84 | 740.54 | 832.30 | 280,601.20 |
47 | 1,572.84 | 742.73 | 830.11 | 279,858.48 |
48 | 1,572.84 | 744.93 | 827.91 | 279,113.55 |
49 | 1,572.84 | 747.13 | 825.71 | 278,366.42 |
50 | 1,572.84 | 749.34 | 823.50 | 277,617.08 |
51 | 1,572.84 | 751.56 | 821.28 | 276,865.52 |
52 | 1,572.84 | 753.78 | 819.06 | 276,111.74 |
53 | 1,572.84 | 756.01 | 816.83 | 275,355.73 |
54 | 1,572.84 | 758.25 | 814.59 | 274,597.48 |
55 | 1,572.84 | 760.49 | 812.35 | 273,836.99 |
56 | 1,572.84 | 762.74 | 810.10 | 273,074.25 |
57 | 1,572.84 | 765.00 | 807.84 | 272,309.26 |
58 | 1,572.84 | 767.26 | 805.58 | 271,542.00 |
59 | 1,572.84 | 769.53 | 803.31 | 270,772.47 |
60 | 1,572.84 | 771.81 | 801.04 | 270,000.66 |
61 | 1,572.84 | 774.09 | 798.75 | 269,226.57 |
62 | 1,572.84 | 776.38 | 796.46 | 268,450.19 |
63 | 1,572.84 | 778.68 | 794.17 | 267,671.52 |
64 | 1,572.84 | 780.98 | 791.86 | 266,890.54 |
65 | 1,572.84 | 783.29 | 789.55 | 266,107.25 |
66 | 1,572.84 | 785.61 | 787.23 | 265,321.64 |
67 | 1,572.84 | 787.93 | 784.91 | 264,533.71 |
68 | 1,572.84 | 790.26 | 782.58 | 263,743.45 |
69 | 1,572.84 | 792.60 | 780.24 | 262,950.85 |
70 | 1,572.84 | 794.94 | 777.90 | 262,155.90 |
71 | 1,572.84 | 797.30 | 775.54 | 261,358.61 |
72 | 1,572.84 | 799.66 | 773.19 | 260,558.95 |
73 | 1,572.84 | 802.02 | 770.82 | 259,756.93 |
74 | 1,572.84 | 804.39 | 768.45 | 258,952.54 |
75 | 1,572.84 | 806.77 | 766.07 | 258,145.76 |
76 | 1,572.84 | 809.16 | 763.68 | 257,336.60 |
77 | 1,572.84 | 811.55 | 761.29 | 256,525.05 |
78 | 1,572.84 | 813.95 | 758.89 | 255,711.10 |
79 | 1,572.84 | 816.36 | 756.48 | 254,894.73 |
80 | 1,572.84 | 818.78 | 754.06 | 254,075.96 |
81 | 1,572.84 | 821.20 | 751.64 | 253,254.76 |
82 | 1,572.84 | 823.63 | 749.21 | 252,431.13 |
83 | 1,572.84 | 826.07 | 746.78 | 251,605.06 |
84 | 1,572.84 | 828.51 | 744.33 | 250,776.55 |
85 | 1,572.84 | 830.96 | 741.88 | 249,945.59 |
86 | 1,572.84 | 833.42 | 739.42 | 249,112.17 |
87 | 1,572.84 | 835.88 | 736.96 | 248,276.29 |
88 | 1,572.84 | 838.36 | 734.48 | 247,437.93 |
89 | 1,572.84 | 840.84 | 732.00 | 246,597.09 |
90 | 1,572.84 | 843.32 | 729.52 | 245,753.77 |
91 | 1,572.84 | 845.82 | 727.02 | 244,907.95 |
92 | 1,572.84 | 848.32 | 724.52 | 244,059.63 |
93 | 1,572.84 | 850.83 | 722.01 | 243,208.80 |
94 | 1,572.84 | 853.35 | 719.49 | 242,355.45 |
95 | 1,572.84 | 855.87 | 716.97 | 241,499.58 |
96 | 1,572.84 | 858.40 | 714.44 | 240,641.17 |
97 | 1,572.84 | 860.94 | 711.90 | 239,780.23 |
98 | 1,572.84 | 863.49 | 709.35 | 238,916.74 |
99 | 1,572.84 | 866.05 | 706.80 | 238,050.69 |
100 | 1,572.84 | 868.61 | 704.23 | 237,182.08 |
101 | 1,572.84 | 871.18 | 701.66 | 236,310.90 |
102 | 1,572.84 | 873.75 | 699.09 | 235,437.15 |
103 | 1,572.84 | 876.34 | 696.50 | 234,560.81 |
104 | 1,572.84 | 878.93 | 693.91 | 233,681.88 |
105 | 1,572.84 | 881.53 | 691.31 | 232,800.35 |
106 | 1,572.84 | 884.14 | 688.70 | 231,916.21 |
107 | 1,572.84 | 886.76 | 686.09 | 231,029.45 |
108 | 1,572.84 | 889.38 | 683.46 | 230,140.07 |
109 | 1,572.84 | 892.01 | 680.83 | 229,248.06 |
110 | 1,572.84 | 894.65 | 678.19 | 228,353.41 |
111 | 1,572.84 | 897.30 | 675.55 | 227,456.12 |
112 | 1,572.84 | 899.95 | 672.89 | 226,556.17 |
113 | 1,572.84 | 902.61 | 670.23 | 225,653.55 |
114 | 1,572.84 | 905.28 | 667.56 | 224,748.27 |
115 | 1,572.84 | 907.96 | 664.88 | 223,840.31 |
116 | 1,572.84 | 910.65 | 662.19 | 222,929.66 |
117 | 1,572.84 | 913.34 | 659.50 | 222,016.32 |
118 | 1,572.84 | 916.04 | 656.80 | 221,100.28 |
119 | 1,572.84 | 918.75 | 654.09 | 220,181.53 |
120 | 1,572.84 | 921.47 | 651.37 | 219,260.06 |
121 | 1,572.84 | 924.20 | 648.64 | 218,335.86 |
122 | 1,572.84 | 926.93 | 645.91 | 217,408.93 |
123 | 1,572.84 | 929.67 | 643.17 | 216,479.26 |
124 | 1,572.84 | 932.42 | 640.42 | 215,546.83 |
125 | 1,572.84 | 935.18 | 637.66 | 214,611.65 |
126 | 1,572.84 | 937.95 | 634.89 | 213,673.70 |
127 | 1,572.84 | 940.72 | 632.12 | 212,732.98 |
128 | 1,572.84 | 943.51 | 629.34 | 211,789.47 |
129 | 1,572.84 | 946.30 | 626.54 | 210,843.18 |
130 | 1,572.84 | 949.10 | 623.74 | 209,894.08 |
131 | 1,572.84 | 951.90 | 620.94 | 208,942.18 |
132 | 1,572.84 | 954.72 | 618.12 | 207,987.46 |
133 | 1,572.84 | 957.54 | 615.30 | 207,029.91 |
134 | 1,572.84 | 960.38 | 612.46 | 206,069.53 |
135 | 1,572.84 | 963.22 | 609.62 | 205,106.31 |
136 | 1,572.84 | 966.07 | 606.77 | 204,140.25 |
137 | 1,572.84 | 968.93 | 603.91 | 203,171.32 |
138 | 1,572.84 | 971.79 | 601.05 | 202,199.53 |
139 | 1,572.84 | 974.67 | 598.17 | 201,224.86 |
140 | 1,572.84 | 977.55 | 595.29 | 200,247.31 |
141 | 1,572.84 | 980.44 | 592.40 | 199,266.87 |
142 | 1,572.84 | 983.34 | 589.50 | 198,283.52 |
143 | 1,572.84 | 986.25 | 586.59 | 197,297.27 |
144 | 1,572.84 | 989.17 | 583.67 | 196,308.10 |
145 | 1,572.84 | 992.10 | 580.74 | 195,316.00 |
146 | 1,572.84 | 995.03 | 577.81 | 194,320.97 |
147 | 1,572.84 | 997.97 | 574.87 | 193,323.00 |
148 | 1,572.84 | 1,000.93 | 571.91 | 192,322.07 |
149 | 1,572.84 | 1,003.89 | 568.95 | 191,318.18 |
150 | 1,572.84 | 1,006.86 | 565.98 | 190,311.32 |
151 | 1,572.84 | 1,009.84 | 563.00 | 189,301.49 |
152 | 1,572.84 | 1,012.82 | 560.02 | 188,288.66 |
153 | 1,572.84 | 1,015.82 | 557.02 | 187,272.84 |
154 | 1,572.84 | 1,018.83 | 554.02 | 186,254.02 |
155 | 1,572.84 | 1,021.84 | 551.00 | 185,232.18 |
156 | 1,572.84 | 1,024.86 | 547.98 | 184,207.32 |
157 | 1,572.84 | 1,027.89 | 544.95 | 183,179.42 |
158 | 1,572.84 | 1,030.94 | 541.91 | 182,148.49 |
159 | 1,572.84 | 1,033.99 | 538.86 | 181,114.50 |
160 | 1,572.84 | 1,037.04 | 535.80 | 180,077.46 |
161 | 1,572.84 | 1,040.11 | 532.73 | 179,037.34 |
162 | 1,572.84 | 1,043.19 | 529.65 | 177,994.16 |
163 | 1,572.84 | 1,046.28 | 526.57 | 176,947.88 |
164 | 1,572.84 | 1,049.37 | 523.47 | 175,898.51 |
165 | 1,572.84 | 1,052.47 | 520.37 | 174,846.04 |
166 | 1,572.84 | 1,055.59 | 517.25 | 173,790.45 |
167 | 1,572.84 | 1,058.71 | 514.13 | 172,731.74 |
168 | 1,572.84 | 1,061.84 | 511.00 | 171,669.89 |
169 | 1,572.84 | 1,064.98 | 507.86 | 170,604.91 |
170 | 1,572.84 | 1,068.13 | 504.71 | 169,536.77 |
171 | 1,572.84 | 1,071.29 | 501.55 | 168,465.48 |
172 | 1,572.84 | 1,074.46 | 498.38 | 167,391.02 |
173 | 1,572.84 | 1,077.64 | 495.20 | 166,313.37 |
174 | 1,572.84 | 1,080.83 | 492.01 | 165,232.54 |
175 | 1,572.84 | 1,084.03 | 488.81 | 164,148.51 |
176 | 1,572.84 | 1,087.24 | 485.61 | 163,061.28 |
177 | 1,572.84 | 1,090.45 | 482.39 | 161,970.83 |
178 | 1,572.84 | 1,093.68 | 479.16 | 160,877.15 |
179 | 1,572.84 | 1,096.91 | 475.93 | 159,780.24 |
180 | 1,572.84 | 1,100.16 | 472.68 | 158,680.08 |
181 | 1,572.84 | 1,103.41 | 469.43 | 157,576.67 |
182 | 1,572.84 | 1,106.68 | 466.16 | 156,469.99 |
183 | 1,572.84 | 1,109.95 | 462.89 | 155,360.04 |
184 | 1,572.84 | 1,113.23 | 459.61 | 154,246.81 |
185 | 1,572.84 | 1,116.53 | 456.31 | 153,130.28 |
186 | 1,572.84 | 1,119.83 | 453.01 | 152,010.45 |
187 | 1,572.84 | 1,123.14 | 449.70 | 150,887.30 |
188 | 1,572.84 | 1,126.47 | 446.37 | 149,760.84 |
189 | 1,572.84 | 1,129.80 | 443.04 | 148,631.04 |
190 | 1,572.84 | 1,133.14 | 439.70 | 147,497.90 |
191 | 1,572.84 | 1,136.49 | 436.35 | 146,361.40 |
192 | 1,572.84 | 1,139.86 | 432.99 | 145,221.55 |
193 | 1,572.84 | 1,143.23 | 429.61 | 144,078.32 |
194 | 1,572.84 | 1,146.61 | 426.23 | 142,931.71 |
195 | 1,572.84 | 1,150.00 | 422.84 | 141,781.71 |
196 | 1,572.84 | 1,153.40 | 419.44 | 140,628.31 |
197 | 1,572.84 | 1,156.82 | 416.03 | 139,471.49 |
198 | 1,572.84 | 1,160.24 | 412.60 | 138,311.25 |
199 | 1,572.84 | 1,163.67 | 409.17 | 137,147.58 |
200 | 1,572.84 | 1,167.11 | 405.73 | 135,980.47 |
201 | 1,572.84 | 1,170.57 | 402.28 | 134,809.91 |
202 | 1,572.84 | 1,174.03 | 398.81 | 133,635.88 |
203 | 1,572.84 | 1,177.50 | 395.34 | 132,458.38 |
204 | 1,572.84 | 1,180.99 | 391.86 | 131,277.39 |
205 | 1,572.84 | 1,184.48 | 388.36 | 130,092.91 |
206 | 1,572.84 | 1,187.98 | 384.86 | 128,904.93 |
207 | 1,572.84 | 1,191.50 | 381.34 | 127,713.43 |
208 | 1,572.84 | 1,195.02 | 377.82 | 126,518.41 |
209 | 1,572.84 | 1,198.56 | 374.28 | 125,319.85 |
210 | 1,572.84 | 1,202.10 | 370.74 | 124,117.75 |
211 | 1,572.84 | 1,205.66 | 367.18 | 122,912.09 |
212 | 1,572.84 | 1,209.23 | 363.61 | 121,702.86 |
213 | 1,572.84 | 1,212.80 | 360.04 | 120,490.06 |
214 | 1,572.84 | 1,216.39 | 356.45 | 119,273.67 |
215 | 1,572.84 | 1,219.99 | 352.85 | 118,053.68 |
216 | 1,572.84 | 1,223.60 | 349.24 | 116,830.08 |
217 | 1,572.84 | 1,227.22 | 345.62 | 115,602.86 |
218 | 1,572.84 | 1,230.85 | 341.99 | 114,372.01 |
219 | 1,572.84 | 1,234.49 | 338.35 | 113,137.52 |
220 | 1,572.84 | 1,238.14 | 334.70 | 111,899.38 |
221 | 1,572.84 | 1,241.81 | 331.04 | 110,657.57 |
222 | 1,572.84 | 1,245.48 | 327.36 | 109,412.09 |
223 | 1,572.84 | 1,249.16 | 323.68 | 108,162.93 |
224 | 1,572.84 | 1,252.86 | 319.98 | 106,910.07 |
225 | 1,572.84 | 1,256.57 | 316.28 | 105,653.51 |
226 | 1,572.84 | 1,260.28 | 312.56 | 104,393.22 |
227 | 1,572.84 | 1,264.01 | 308.83 | 103,129.21 |
228 | 1,572.84 | 1,267.75 | 305.09 | 101,861.46 |
229 | 1,572.84 | 1,271.50 | 301.34 | 100,589.96 |
230 | 1,572.84 | 1,275.26 | 297.58 | 99,314.70 |
231 | 1,572.84 | 1,279.04 | 293.81 | 98,035.66 |
232 | 1,572.84 | 1,282.82 | 290.02 | 96,752.84 |
233 | 1,572.84 | 1,286.61 | 286.23 | 95,466.23 |
234 | 1,572.84 | 1,290.42 | 282.42 | 94,175.81 |
235 | 1,572.84 | 1,294.24 | 278.60 | 92,881.57 |
236 | 1,572.84 | 1,298.07 | 274.77 | 91,583.51 |
237 | 1,572.84 | 1,301.91 | 270.93 | 90,281.60 |
238 | 1,572.84 | 1,305.76 | 267.08 | 88,975.84 |
239 | 1,572.84 | 1,309.62 | 263.22 | 87,666.22 |
240 | 1,572.84 | 1,313.50 | 259.35 | 86,352.73 |
241 | 1,572.84 | 1,317.38 | 255.46 | 85,035.34 |
242 | 1,572.84 | 1,321.28 | 251.56 | 83,714.07 |
243 | 1,572.84 | 1,325.19 | 247.65 | 82,388.88 |
244 | 1,572.84 | 1,329.11 | 243.73 | 81,059.77 |
245 | 1,572.84 | 1,333.04 | 239.80 | 79,726.73 |
246 | 1,572.84 | 1,336.98 | 235.86 | 78,389.75 |
247 | 1,572.84 | 1,340.94 | 231.90 | 77,048.81 |
248 | 1,572.84 | 1,344.91 | 227.94 | 75,703.91 |
249 | 1,572.84 | 1,348.88 | 223.96 | 74,355.02 |
250 | 1,572.84 | 1,352.87 | 219.97 | 73,002.15 |
251 | 1,572.84 | 1,356.88 | 215.96 | 71,645.27 |
252 | 1,572.84 | 1,360.89 | 211.95 | 70,284.38 |
253 | 1,572.84 | 1,364.92 | 207.92 | 68,919.47 |
254 | 1,572.84 | 1,368.95 | 203.89 | 67,550.51 |
255 | 1,572.84 | 1,373.00 | 199.84 | 66,177.51 |
256 | 1,572.84 | 1,377.07 | 195.78 | 64,800.44 |
257 | 1,572.84 | 1,381.14 | 191.70 | 63,419.30 |
258 | 1,572.84 | 1,385.23 | 187.62 | 62,034.08 |
259 | 1,572.84 | 1,389.32 | 183.52 | 60,644.75 |
260 | 1,572.84 | 1,393.43 | 179.41 | 59,251.32 |
261 | 1,572.84 | 1,397.56 | 175.29 | 57,853.76 |
262 | 1,572.84 | 1,401.69 | 171.15 | 56,452.07 |
263 | 1,572.84 | 1,405.84 | 167.00 | 55,046.24 |
264 | 1,572.84 | 1,410.00 | 162.85 | 53,636.24 |
265 | 1,572.84 | 1,414.17 | 158.67 | 52,222.07 |
266 | 1,572.84 | 1,418.35 | 154.49 | 50,803.72 |
267 | 1,572.84 | 1,422.55 | 150.29 | 49,381.17 |
268 | 1,572.84 | 1,426.76 | 146.09 | 47,954.42 |
269 | 1,572.84 | 1,430.98 | 141.87 | 46,523.44 |
270 | 1,572.84 | 1,435.21 | 137.63 | 45,088.23 |
271 | 1,572.84 | 1,439.46 | 133.39 | 43,648.78 |
272 | 1,572.84 | 1,443.71 | 129.13 | 42,205.07 |
273 | 1,572.84 | 1,447.98 | 124.86 | 40,757.08 |
274 | 1,572.84 | 1,452.27 | 120.57 | 39,304.81 |
275 | 1,572.84 | 1,456.56 | 116.28 | 37,848.25 |
276 | 1,572.84 | 1,460.87 | 111.97 | 36,387.38 |
277 | 1,572.84 | 1,465.20 | 107.65 | 34,922.18 |
278 | 1,572.84 | 1,469.53 | 103.31 | 33,452.65 |
279 | 1,572.84 | 1,473.88 | 98.96 | 31,978.77 |
280 | 1,572.84 | 1,478.24 | 94.60 | 30,500.54 |
281 | 1,572.84 | 1,482.61 | 90.23 | 29,017.93 |
282 | 1,572.84 | 1,487.00 | 85.84 | 27,530.93 |
283 | 1,572.84 | 1,491.40 | 81.45 | 26,039.53 |
284 | 1,572.84 | 1,495.81 | 77.03 | 24,543.73 |
285 | 1,572.84 | 1,500.23 | 72.61 | 23,043.49 |
286 | 1,572.84 | 1,504.67 | 68.17 | 21,538.82 |
287 | 1,572.84 | 1,509.12 | 63.72 | 20,029.70 |
288 | 1,572.84 | 1,513.59 | 59.25 | 18,516.12 |
289 | 1,572.84 | 1,518.06 | 54.78 | 16,998.05 |
290 | 1,572.84 | 1,522.56 | 50.29 | 15,475.50 |
291 | 1,572.84 | 1,527.06 | 45.78 | 13,948.44 |
292 | 1,572.84 | 1,531.58 | 41.26 | 12,416.86 |
293 | 1,572.84 | 1,536.11 | 36.73 | 10,880.75 |
294 | 1,572.84 | 1,540.65 | 32.19 | 9,340.10 |
295 | 1,572.84 | 1,545.21 | 27.63 | 7,794.89 |
296 | 1,572.84 | 1,549.78 | 23.06 | 6,245.11 |
297 | 1,572.84 | 1,554.37 | 18.48 | 4,690.74 |
298 | 1,572.84 | 1,558.96 | 13.88 | 3,131.78 |
299 | 1,572.84 | 1,563.58 | 9.26 | 1,568.20 |
300 | 1,572.84 | 1,568.20 | 4.64 | 0.00 |