Mortgage Loan of $312,500 for 25 Years at 3.85%
What's the payment on a 25 year home loan for $312.5k at 3.85% interest?
Results
Monthly payment: $1,623.72
$19,485 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 3.85 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 | 1,623.72 | 621.11 | 1,002.60 | 311,878.89 |
2 | 1,623.72 | 623.11 | 1,000.61 | 311,255.78 |
3 | 1,623.72 | 625.11 | 998.61 | 310,630.67 |
4 | 1,623.72 | 627.11 | 996.61 | 310,003.56 |
5 | 1,623.72 | 629.12 | 994.59 | 309,374.44 |
6 | 1,623.72 | 631.14 | 992.58 | 308,743.30 |
7 | 1,623.72 | 633.17 | 990.55 | 308,110.13 |
8 | 1,623.72 | 635.20 | 988.52 | 307,474.93 |
9 | 1,623.72 | 637.24 | 986.48 | 306,837.70 |
10 | 1,623.72 | 639.28 | 984.44 | 306,198.41 |
11 | 1,623.72 | 641.33 | 982.39 | 305,557.08 |
12 | 1,623.72 | 643.39 | 980.33 | 304,913.69 |
13 | 1,623.72 | 645.45 | 978.26 | 304,268.24 |
14 | 1,623.72 | 647.52 | 976.19 | 303,620.72 |
15 | 1,623.72 | 649.60 | 974.12 | 302,971.11 |
16 | 1,623.72 | 651.69 | 972.03 | 302,319.43 |
17 | 1,623.72 | 653.78 | 969.94 | 301,665.65 |
18 | 1,623.72 | 655.87 | 967.84 | 301,009.78 |
19 | 1,623.72 | 657.98 | 965.74 | 300,351.80 |
20 | 1,623.72 | 660.09 | 963.63 | 299,691.71 |
21 | 1,623.72 | 662.21 | 961.51 | 299,029.50 |
22 | 1,623.72 | 664.33 | 959.39 | 298,365.17 |
23 | 1,623.72 | 666.46 | 957.25 | 297,698.71 |
24 | 1,623.72 | 668.60 | 955.12 | 297,030.11 |
25 | 1,623.72 | 670.75 | 952.97 | 296,359.36 |
26 | 1,623.72 | 672.90 | 950.82 | 295,686.46 |
27 | 1,623.72 | 675.06 | 948.66 | 295,011.40 |
28 | 1,623.72 | 677.22 | 946.49 | 294,334.18 |
29 | 1,623.72 | 679.40 | 944.32 | 293,654.78 |
30 | 1,623.72 | 681.58 | 942.14 | 292,973.21 |
31 | 1,623.72 | 683.76 | 939.96 | 292,289.45 |
32 | 1,623.72 | 685.96 | 937.76 | 291,603.49 |
33 | 1,623.72 | 688.16 | 935.56 | 290,915.33 |
34 | 1,623.72 | 690.36 | 933.35 | 290,224.97 |
35 | 1,623.72 | 692.58 | 931.14 | 289,532.39 |
36 | 1,623.72 | 694.80 | 928.92 | 288,837.59 |
37 | 1,623.72 | 697.03 | 926.69 | 288,140.55 |
38 | 1,623.72 | 699.27 | 924.45 | 287,441.29 |
39 | 1,623.72 | 701.51 | 922.21 | 286,739.78 |
40 | 1,623.72 | 703.76 | 919.96 | 286,036.02 |
41 | 1,623.72 | 706.02 | 917.70 | 285,330.00 |
42 | 1,623.72 | 708.28 | 915.43 | 284,621.71 |
43 | 1,623.72 | 710.56 | 913.16 | 283,911.15 |
44 | 1,623.72 | 712.84 | 910.88 | 283,198.32 |
45 | 1,623.72 | 715.12 | 908.59 | 282,483.19 |
46 | 1,623.72 | 717.42 | 906.30 | 281,765.78 |
47 | 1,623.72 | 719.72 | 904.00 | 281,046.06 |
48 | 1,623.72 | 722.03 | 901.69 | 280,324.03 |
49 | 1,623.72 | 724.35 | 899.37 | 279,599.68 |
50 | 1,623.72 | 726.67 | 897.05 | 278,873.01 |
51 | 1,623.72 | 729.00 | 894.72 | 278,144.01 |
52 | 1,623.72 | 731.34 | 892.38 | 277,412.67 |
53 | 1,623.72 | 733.69 | 890.03 | 276,678.99 |
54 | 1,623.72 | 736.04 | 887.68 | 275,942.95 |
55 | 1,623.72 | 738.40 | 885.32 | 275,204.55 |
56 | 1,623.72 | 740.77 | 882.95 | 274,463.78 |
57 | 1,623.72 | 743.15 | 880.57 | 273,720.63 |
58 | 1,623.72 | 745.53 | 878.19 | 272,975.10 |
59 | 1,623.72 | 747.92 | 875.80 | 272,227.17 |
60 | 1,623.72 | 750.32 | 873.40 | 271,476.85 |
61 | 1,623.72 | 752.73 | 870.99 | 270,724.12 |
62 | 1,623.72 | 755.14 | 868.57 | 269,968.98 |
63 | 1,623.72 | 757.57 | 866.15 | 269,211.41 |
64 | 1,623.72 | 760.00 | 863.72 | 268,451.41 |
65 | 1,623.72 | 762.44 | 861.28 | 267,688.97 |
66 | 1,623.72 | 764.88 | 858.84 | 266,924.09 |
67 | 1,623.72 | 767.34 | 856.38 | 266,156.76 |
68 | 1,623.72 | 769.80 | 853.92 | 265,386.96 |
69 | 1,623.72 | 772.27 | 851.45 | 264,614.69 |
70 | 1,623.72 | 774.75 | 848.97 | 263,839.94 |
71 | 1,623.72 | 777.23 | 846.49 | 263,062.71 |
72 | 1,623.72 | 779.73 | 843.99 | 262,282.99 |
73 | 1,623.72 | 782.23 | 841.49 | 261,500.76 |
74 | 1,623.72 | 784.74 | 838.98 | 260,716.02 |
75 | 1,623.72 | 787.25 | 836.46 | 259,928.77 |
76 | 1,623.72 | 789.78 | 833.94 | 259,138.99 |
77 | 1,623.72 | 792.31 | 831.40 | 258,346.67 |
78 | 1,623.72 | 794.86 | 828.86 | 257,551.82 |
79 | 1,623.72 | 797.41 | 826.31 | 256,754.41 |
80 | 1,623.72 | 799.96 | 823.75 | 255,954.45 |
81 | 1,623.72 | 802.53 | 821.19 | 255,151.92 |
82 | 1,623.72 | 805.11 | 818.61 | 254,346.81 |
83 | 1,623.72 | 807.69 | 816.03 | 253,539.12 |
84 | 1,623.72 | 810.28 | 813.44 | 252,728.84 |
85 | 1,623.72 | 812.88 | 810.84 | 251,915.96 |
86 | 1,623.72 | 815.49 | 808.23 | 251,100.47 |
87 | 1,623.72 | 818.10 | 805.61 | 250,282.37 |
88 | 1,623.72 | 820.73 | 802.99 | 249,461.64 |
89 | 1,623.72 | 823.36 | 800.36 | 248,638.28 |
90 | 1,623.72 | 826.00 | 797.71 | 247,812.27 |
91 | 1,623.72 | 828.65 | 795.06 | 246,983.62 |
92 | 1,623.72 | 831.31 | 792.41 | 246,152.31 |
93 | 1,623.72 | 833.98 | 789.74 | 245,318.33 |
94 | 1,623.72 | 836.66 | 787.06 | 244,481.67 |
95 | 1,623.72 | 839.34 | 784.38 | 243,642.33 |
96 | 1,623.72 | 842.03 | 781.69 | 242,800.30 |
97 | 1,623.72 | 844.73 | 778.98 | 241,955.57 |
98 | 1,623.72 | 847.44 | 776.27 | 241,108.12 |
99 | 1,623.72 | 850.16 | 773.56 | 240,257.96 |
100 | 1,623.72 | 852.89 | 770.83 | 239,405.07 |
101 | 1,623.72 | 855.63 | 768.09 | 238,549.44 |
102 | 1,623.72 | 858.37 | 765.35 | 237,691.07 |
103 | 1,623.72 | 861.13 | 762.59 | 236,829.94 |
104 | 1,623.72 | 863.89 | 759.83 | 235,966.06 |
105 | 1,623.72 | 866.66 | 757.06 | 235,099.40 |
106 | 1,623.72 | 869.44 | 754.28 | 234,229.95 |
107 | 1,623.72 | 872.23 | 751.49 | 233,357.72 |
108 | 1,623.72 | 875.03 | 748.69 | 232,482.70 |
109 | 1,623.72 | 877.84 | 745.88 | 231,604.86 |
110 | 1,623.72 | 880.65 | 743.07 | 230,724.21 |
111 | 1,623.72 | 883.48 | 740.24 | 229,840.73 |
112 | 1,623.72 | 886.31 | 737.41 | 228,954.42 |
113 | 1,623.72 | 889.16 | 734.56 | 228,065.26 |
114 | 1,623.72 | 892.01 | 731.71 | 227,173.25 |
115 | 1,623.72 | 894.87 | 728.85 | 226,278.38 |
116 | 1,623.72 | 897.74 | 725.98 | 225,380.64 |
117 | 1,623.72 | 900.62 | 723.10 | 224,480.02 |
118 | 1,623.72 | 903.51 | 720.21 | 223,576.50 |
119 | 1,623.72 | 906.41 | 717.31 | 222,670.09 |
120 | 1,623.72 | 909.32 | 714.40 | 221,760.78 |
121 | 1,623.72 | 912.24 | 711.48 | 220,848.54 |
122 | 1,623.72 | 915.16 | 708.56 | 219,933.38 |
123 | 1,623.72 | 918.10 | 705.62 | 219,015.28 |
124 | 1,623.72 | 921.04 | 702.67 | 218,094.24 |
125 | 1,623.72 | 924.00 | 699.72 | 217,170.24 |
126 | 1,623.72 | 926.96 | 696.75 | 216,243.27 |
127 | 1,623.72 | 929.94 | 693.78 | 215,313.33 |
128 | 1,623.72 | 932.92 | 690.80 | 214,380.41 |
129 | 1,623.72 | 935.91 | 687.80 | 213,444.50 |
130 | 1,623.72 | 938.92 | 684.80 | 212,505.58 |
131 | 1,623.72 | 941.93 | 681.79 | 211,563.65 |
132 | 1,623.72 | 944.95 | 678.77 | 210,618.70 |
133 | 1,623.72 | 947.98 | 675.73 | 209,670.72 |
134 | 1,623.72 | 951.02 | 672.69 | 208,719.69 |
135 | 1,623.72 | 954.08 | 669.64 | 207,765.62 |
136 | 1,623.72 | 957.14 | 666.58 | 206,808.48 |
137 | 1,623.72 | 960.21 | 663.51 | 205,848.27 |
138 | 1,623.72 | 963.29 | 660.43 | 204,884.98 |
139 | 1,623.72 | 966.38 | 657.34 | 203,918.61 |
140 | 1,623.72 | 969.48 | 654.24 | 202,949.13 |
141 | 1,623.72 | 972.59 | 651.13 | 201,976.54 |
142 | 1,623.72 | 975.71 | 648.01 | 201,000.83 |
143 | 1,623.72 | 978.84 | 644.88 | 200,021.99 |
144 | 1,623.72 | 981.98 | 641.74 | 199,040.00 |
145 | 1,623.72 | 985.13 | 638.59 | 198,054.87 |
146 | 1,623.72 | 988.29 | 635.43 | 197,066.58 |
147 | 1,623.72 | 991.46 | 632.26 | 196,075.12 |
148 | 1,623.72 | 994.64 | 629.07 | 195,080.47 |
149 | 1,623.72 | 997.84 | 625.88 | 194,082.64 |
150 | 1,623.72 | 1,001.04 | 622.68 | 193,081.60 |
151 | 1,623.72 | 1,004.25 | 619.47 | 192,077.35 |
152 | 1,623.72 | 1,007.47 | 616.25 | 191,069.88 |
153 | 1,623.72 | 1,010.70 | 613.02 | 190,059.18 |
154 | 1,623.72 | 1,013.94 | 609.77 | 189,045.24 |
155 | 1,623.72 | 1,017.20 | 606.52 | 188,028.04 |
156 | 1,623.72 | 1,020.46 | 603.26 | 187,007.58 |
157 | 1,623.72 | 1,023.74 | 599.98 | 185,983.84 |
158 | 1,623.72 | 1,027.02 | 596.70 | 184,956.82 |
159 | 1,623.72 | 1,030.32 | 593.40 | 183,926.51 |
160 | 1,623.72 | 1,033.62 | 590.10 | 182,892.89 |
161 | 1,623.72 | 1,036.94 | 586.78 | 181,855.95 |
162 | 1,623.72 | 1,040.26 | 583.45 | 180,815.69 |
163 | 1,623.72 | 1,043.60 | 580.12 | 179,772.08 |
164 | 1,623.72 | 1,046.95 | 576.77 | 178,725.14 |
165 | 1,623.72 | 1,050.31 | 573.41 | 177,674.83 |
166 | 1,623.72 | 1,053.68 | 570.04 | 176,621.15 |
167 | 1,623.72 | 1,057.06 | 566.66 | 175,564.09 |
168 | 1,623.72 | 1,060.45 | 563.27 | 174,503.64 |
169 | 1,623.72 | 1,063.85 | 559.87 | 173,439.79 |
170 | 1,623.72 | 1,067.27 | 556.45 | 172,372.52 |
171 | 1,623.72 | 1,070.69 | 553.03 | 171,301.83 |
172 | 1,623.72 | 1,074.12 | 549.59 | 170,227.71 |
173 | 1,623.72 | 1,077.57 | 546.15 | 169,150.14 |
174 | 1,623.72 | 1,081.03 | 542.69 | 168,069.11 |
175 | 1,623.72 | 1,084.50 | 539.22 | 166,984.61 |
176 | 1,623.72 | 1,087.98 | 535.74 | 165,896.64 |
177 | 1,623.72 | 1,091.47 | 532.25 | 164,805.17 |
178 | 1,623.72 | 1,094.97 | 528.75 | 163,710.20 |
179 | 1,623.72 | 1,098.48 | 525.24 | 162,611.72 |
180 | 1,623.72 | 1,102.01 | 521.71 | 161,509.71 |
181 | 1,623.72 | 1,105.54 | 518.18 | 160,404.17 |
182 | 1,623.72 | 1,109.09 | 514.63 | 159,295.08 |
183 | 1,623.72 | 1,112.65 | 511.07 | 158,182.44 |
184 | 1,623.72 | 1,116.22 | 507.50 | 157,066.22 |
185 | 1,623.72 | 1,119.80 | 503.92 | 155,946.42 |
186 | 1,623.72 | 1,123.39 | 500.33 | 154,823.03 |
187 | 1,623.72 | 1,126.99 | 496.72 | 153,696.04 |
188 | 1,623.72 | 1,130.61 | 493.11 | 152,565.43 |
189 | 1,623.72 | 1,134.24 | 489.48 | 151,431.19 |
190 | 1,623.72 | 1,137.88 | 485.84 | 150,293.32 |
191 | 1,623.72 | 1,141.53 | 482.19 | 149,151.79 |
192 | 1,623.72 | 1,145.19 | 478.53 | 148,006.60 |
193 | 1,623.72 | 1,148.86 | 474.85 | 146,857.74 |
194 | 1,623.72 | 1,152.55 | 471.17 | 145,705.19 |
195 | 1,623.72 | 1,156.25 | 467.47 | 144,548.94 |
196 | 1,623.72 | 1,159.96 | 463.76 | 143,388.98 |
197 | 1,623.72 | 1,163.68 | 460.04 | 142,225.30 |
198 | 1,623.72 | 1,167.41 | 456.31 | 141,057.89 |
199 | 1,623.72 | 1,171.16 | 452.56 | 139,886.73 |
200 | 1,623.72 | 1,174.91 | 448.80 | 138,711.82 |
201 | 1,623.72 | 1,178.68 | 445.03 | 137,533.13 |
202 | 1,623.72 | 1,182.47 | 441.25 | 136,350.67 |
203 | 1,623.72 | 1,186.26 | 437.46 | 135,164.41 |
204 | 1,623.72 | 1,190.07 | 433.65 | 133,974.34 |
205 | 1,623.72 | 1,193.88 | 429.83 | 132,780.46 |
206 | 1,623.72 | 1,197.71 | 426.00 | 131,582.74 |
207 | 1,623.72 | 1,201.56 | 422.16 | 130,381.19 |
208 | 1,623.72 | 1,205.41 | 418.31 | 129,175.78 |
209 | 1,623.72 | 1,209.28 | 414.44 | 127,966.50 |
210 | 1,623.72 | 1,213.16 | 410.56 | 126,753.34 |
211 | 1,623.72 | 1,217.05 | 406.67 | 125,536.29 |
212 | 1,623.72 | 1,220.96 | 402.76 | 124,315.33 |
213 | 1,623.72 | 1,224.87 | 398.85 | 123,090.46 |
214 | 1,623.72 | 1,228.80 | 394.92 | 121,861.65 |
215 | 1,623.72 | 1,232.75 | 390.97 | 120,628.91 |
216 | 1,623.72 | 1,236.70 | 387.02 | 119,392.21 |
217 | 1,623.72 | 1,240.67 | 383.05 | 118,151.54 |
218 | 1,623.72 | 1,244.65 | 379.07 | 116,906.89 |
219 | 1,623.72 | 1,248.64 | 375.08 | 115,658.25 |
220 | 1,623.72 | 1,252.65 | 371.07 | 114,405.60 |
221 | 1,623.72 | 1,256.67 | 367.05 | 113,148.93 |
222 | 1,623.72 | 1,260.70 | 363.02 | 111,888.24 |
223 | 1,623.72 | 1,264.74 | 358.97 | 110,623.49 |
224 | 1,623.72 | 1,268.80 | 354.92 | 109,354.69 |
225 | 1,623.72 | 1,272.87 | 350.85 | 108,081.82 |
226 | 1,623.72 | 1,276.96 | 346.76 | 106,804.86 |
227 | 1,623.72 | 1,281.05 | 342.67 | 105,523.81 |
228 | 1,623.72 | 1,285.16 | 338.56 | 104,238.65 |
229 | 1,623.72 | 1,289.29 | 334.43 | 102,949.36 |
230 | 1,623.72 | 1,293.42 | 330.30 | 101,655.94 |
231 | 1,623.72 | 1,297.57 | 326.15 | 100,358.37 |
232 | 1,623.72 | 1,301.74 | 321.98 | 99,056.63 |
233 | 1,623.72 | 1,305.91 | 317.81 | 97,750.72 |
234 | 1,623.72 | 1,310.10 | 313.62 | 96,440.62 |
235 | 1,623.72 | 1,314.30 | 309.41 | 95,126.32 |
236 | 1,623.72 | 1,318.52 | 305.20 | 93,807.79 |
237 | 1,623.72 | 1,322.75 | 300.97 | 92,485.04 |
238 | 1,623.72 | 1,327.00 | 296.72 | 91,158.05 |
239 | 1,623.72 | 1,331.25 | 292.47 | 89,826.79 |
240 | 1,623.72 | 1,335.52 | 288.19 | 88,491.27 |
241 | 1,623.72 | 1,339.81 | 283.91 | 87,151.46 |
242 | 1,623.72 | 1,344.11 | 279.61 | 85,807.35 |
243 | 1,623.72 | 1,348.42 | 275.30 | 84,458.94 |
244 | 1,623.72 | 1,352.75 | 270.97 | 83,106.19 |
245 | 1,623.72 | 1,357.09 | 266.63 | 81,749.10 |
246 | 1,623.72 | 1,361.44 | 262.28 | 80,387.66 |
247 | 1,623.72 | 1,365.81 | 257.91 | 79,021.86 |
248 | 1,623.72 | 1,370.19 | 253.53 | 77,651.67 |
249 | 1,623.72 | 1,374.59 | 249.13 | 76,277.08 |
250 | 1,623.72 | 1,379.00 | 244.72 | 74,898.08 |
251 | 1,623.72 | 1,383.42 | 240.30 | 73,514.66 |
252 | 1,623.72 | 1,387.86 | 235.86 | 72,126.81 |
253 | 1,623.72 | 1,392.31 | 231.41 | 70,734.49 |
254 | 1,623.72 | 1,396.78 | 226.94 | 69,337.72 |
255 | 1,623.72 | 1,401.26 | 222.46 | 67,936.46 |
256 | 1,623.72 | 1,405.76 | 217.96 | 66,530.70 |
257 | 1,623.72 | 1,410.27 | 213.45 | 65,120.44 |
258 | 1,623.72 | 1,414.79 | 208.93 | 63,705.65 |
259 | 1,623.72 | 1,419.33 | 204.39 | 62,286.32 |
260 | 1,623.72 | 1,423.88 | 199.84 | 60,862.43 |
261 | 1,623.72 | 1,428.45 | 195.27 | 59,433.98 |
262 | 1,623.72 | 1,433.03 | 190.68 | 58,000.95 |
263 | 1,623.72 | 1,437.63 | 186.09 | 56,563.32 |
264 | 1,623.72 | 1,442.24 | 181.47 | 55,121.07 |
265 | 1,623.72 | 1,446.87 | 176.85 | 53,674.20 |
266 | 1,623.72 | 1,451.51 | 172.20 | 52,222.69 |
267 | 1,623.72 | 1,456.17 | 167.55 | 50,766.52 |
268 | 1,623.72 | 1,460.84 | 162.88 | 49,305.67 |
269 | 1,623.72 | 1,465.53 | 158.19 | 47,840.14 |
270 | 1,623.72 | 1,470.23 | 153.49 | 46,369.91 |
271 | 1,623.72 | 1,474.95 | 148.77 | 44,894.97 |
272 | 1,623.72 | 1,479.68 | 144.04 | 43,415.29 |
273 | 1,623.72 | 1,484.43 | 139.29 | 41,930.86 |
274 | 1,623.72 | 1,489.19 | 134.53 | 40,441.67 |
275 | 1,623.72 | 1,493.97 | 129.75 | 38,947.70 |
276 | 1,623.72 | 1,498.76 | 124.96 | 37,448.94 |
277 | 1,623.72 | 1,503.57 | 120.15 | 35,945.37 |
278 | 1,623.72 | 1,508.39 | 115.32 | 34,436.98 |
279 | 1,623.72 | 1,513.23 | 110.49 | 32,923.74 |
280 | 1,623.72 | 1,518.09 | 105.63 | 31,405.66 |
281 | 1,623.72 | 1,522.96 | 100.76 | 29,882.70 |
282 | 1,623.72 | 1,527.84 | 95.87 | 28,354.85 |
283 | 1,623.72 | 1,532.75 | 90.97 | 26,822.11 |
284 | 1,623.72 | 1,537.66 | 86.05 | 25,284.44 |
285 | 1,623.72 | 1,542.60 | 81.12 | 23,741.84 |
286 | 1,623.72 | 1,547.55 | 76.17 | 22,194.30 |
287 | 1,623.72 | 1,552.51 | 71.21 | 20,641.79 |
288 | 1,623.72 | 1,557.49 | 66.23 | 19,084.29 |
289 | 1,623.72 | 1,562.49 | 61.23 | 17,521.80 |
290 | 1,623.72 | 1,567.50 | 56.22 | 15,954.30 |
291 | 1,623.72 | 1,572.53 | 51.19 | 14,381.77 |
292 | 1,623.72 | 1,577.58 | 46.14 | 12,804.19 |
293 | 1,623.72 | 1,582.64 | 41.08 | 11,221.56 |
294 | 1,623.72 | 1,587.72 | 36.00 | 9,633.84 |
295 | 1,623.72 | 1,592.81 | 30.91 | 8,041.03 |
296 | 1,623.72 | 1,597.92 | 25.80 | 6,443.11 |
297 | 1,623.72 | 1,603.05 | 20.67 | 4,840.06 |
298 | 1,623.72 | 1,608.19 | 15.53 | 3,231.87 |
299 | 1,623.72 | 1,613.35 | 10.37 | 1,618.53 |
300 | 1,623.72 | 1,618.53 | 5.19 | 0.00 |