Mortgage Loan of $315,000 for 25 Years at 3.60%
What's the payment on a 25 year home loan for $315k at 3.60% interest?
Results
Monthly payment: $1,593.91
$19,127 per year
What's the monthly payment? Use the loan payment schedule below to view payments each month based on a fixed rate $315k 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 315,000 loan for 25 years at 3.60 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 | 1,593.91 | 648.91 | 945.00 | 314,351.09 |
2 | 1,593.91 | 650.86 | 943.05 | 313,700.24 |
3 | 1,593.91 | 652.81 | 941.10 | 313,047.43 |
4 | 1,593.91 | 654.77 | 939.14 | 312,392.66 |
5 | 1,593.91 | 656.73 | 937.18 | 311,735.93 |
6 | 1,593.91 | 658.70 | 935.21 | 311,077.23 |
7 | 1,593.91 | 660.68 | 933.23 | 310,416.55 |
8 | 1,593.91 | 662.66 | 931.25 | 309,753.90 |
9 | 1,593.91 | 664.65 | 929.26 | 309,089.25 |
10 | 1,593.91 | 666.64 | 927.27 | 308,422.61 |
11 | 1,593.91 | 668.64 | 925.27 | 307,753.97 |
12 | 1,593.91 | 670.65 | 923.26 | 307,083.32 |
13 | 1,593.91 | 672.66 | 921.25 | 306,410.66 |
14 | 1,593.91 | 674.68 | 919.23 | 305,735.98 |
15 | 1,593.91 | 676.70 | 917.21 | 305,059.28 |
16 | 1,593.91 | 678.73 | 915.18 | 304,380.55 |
17 | 1,593.91 | 680.77 | 913.14 | 303,699.79 |
18 | 1,593.91 | 682.81 | 911.10 | 303,016.98 |
19 | 1,593.91 | 684.86 | 909.05 | 302,332.12 |
20 | 1,593.91 | 686.91 | 907.00 | 301,645.21 |
21 | 1,593.91 | 688.97 | 904.94 | 300,956.23 |
22 | 1,593.91 | 691.04 | 902.87 | 300,265.19 |
23 | 1,593.91 | 693.11 | 900.80 | 299,572.08 |
24 | 1,593.91 | 695.19 | 898.72 | 298,876.89 |
25 | 1,593.91 | 697.28 | 896.63 | 298,179.61 |
26 | 1,593.91 | 699.37 | 894.54 | 297,480.24 |
27 | 1,593.91 | 701.47 | 892.44 | 296,778.77 |
28 | 1,593.91 | 703.57 | 890.34 | 296,075.20 |
29 | 1,593.91 | 705.68 | 888.23 | 295,369.52 |
30 | 1,593.91 | 707.80 | 886.11 | 294,661.72 |
31 | 1,593.91 | 709.92 | 883.99 | 293,951.80 |
32 | 1,593.91 | 712.05 | 881.86 | 293,239.74 |
33 | 1,593.91 | 714.19 | 879.72 | 292,525.55 |
34 | 1,593.91 | 716.33 | 877.58 | 291,809.22 |
35 | 1,593.91 | 718.48 | 875.43 | 291,090.74 |
36 | 1,593.91 | 720.64 | 873.27 | 290,370.10 |
37 | 1,593.91 | 722.80 | 871.11 | 289,647.31 |
38 | 1,593.91 | 724.97 | 868.94 | 288,922.34 |
39 | 1,593.91 | 727.14 | 866.77 | 288,195.20 |
40 | 1,593.91 | 729.32 | 864.59 | 287,465.87 |
41 | 1,593.91 | 731.51 | 862.40 | 286,734.36 |
42 | 1,593.91 | 733.71 | 860.20 | 286,000.66 |
43 | 1,593.91 | 735.91 | 858.00 | 285,264.75 |
44 | 1,593.91 | 738.11 | 855.79 | 284,526.64 |
45 | 1,593.91 | 740.33 | 853.58 | 283,786.31 |
46 | 1,593.91 | 742.55 | 851.36 | 283,043.76 |
47 | 1,593.91 | 744.78 | 849.13 | 282,298.98 |
48 | 1,593.91 | 747.01 | 846.90 | 281,551.97 |
49 | 1,593.91 | 749.25 | 844.66 | 280,802.72 |
50 | 1,593.91 | 751.50 | 842.41 | 280,051.22 |
51 | 1,593.91 | 753.75 | 840.15 | 279,297.46 |
52 | 1,593.91 | 756.02 | 837.89 | 278,541.45 |
53 | 1,593.91 | 758.28 | 835.62 | 277,783.16 |
54 | 1,593.91 | 760.56 | 833.35 | 277,022.60 |
55 | 1,593.91 | 762.84 | 831.07 | 276,259.76 |
56 | 1,593.91 | 765.13 | 828.78 | 275,494.63 |
57 | 1,593.91 | 767.42 | 826.48 | 274,727.21 |
58 | 1,593.91 | 769.73 | 824.18 | 273,957.48 |
59 | 1,593.91 | 772.04 | 821.87 | 273,185.45 |
60 | 1,593.91 | 774.35 | 819.56 | 272,411.09 |
61 | 1,593.91 | 776.68 | 817.23 | 271,634.42 |
62 | 1,593.91 | 779.01 | 814.90 | 270,855.41 |
63 | 1,593.91 | 781.34 | 812.57 | 270,074.07 |
64 | 1,593.91 | 783.69 | 810.22 | 269,290.38 |
65 | 1,593.91 | 786.04 | 807.87 | 268,504.35 |
66 | 1,593.91 | 788.40 | 805.51 | 267,715.95 |
67 | 1,593.91 | 790.76 | 803.15 | 266,925.19 |
68 | 1,593.91 | 793.13 | 800.78 | 266,132.06 |
69 | 1,593.91 | 795.51 | 798.40 | 265,336.55 |
70 | 1,593.91 | 797.90 | 796.01 | 264,538.65 |
71 | 1,593.91 | 800.29 | 793.62 | 263,738.35 |
72 | 1,593.91 | 802.69 | 791.22 | 262,935.66 |
73 | 1,593.91 | 805.10 | 788.81 | 262,130.56 |
74 | 1,593.91 | 807.52 | 786.39 | 261,323.04 |
75 | 1,593.91 | 809.94 | 783.97 | 260,513.10 |
76 | 1,593.91 | 812.37 | 781.54 | 259,700.73 |
77 | 1,593.91 | 814.81 | 779.10 | 258,885.93 |
78 | 1,593.91 | 817.25 | 776.66 | 258,068.68 |
79 | 1,593.91 | 819.70 | 774.21 | 257,248.97 |
80 | 1,593.91 | 822.16 | 771.75 | 256,426.81 |
81 | 1,593.91 | 824.63 | 769.28 | 255,602.18 |
82 | 1,593.91 | 827.10 | 766.81 | 254,775.08 |
83 | 1,593.91 | 829.58 | 764.33 | 253,945.50 |
84 | 1,593.91 | 832.07 | 761.84 | 253,113.43 |
85 | 1,593.91 | 834.57 | 759.34 | 252,278.86 |
86 | 1,593.91 | 837.07 | 756.84 | 251,441.79 |
87 | 1,593.91 | 839.58 | 754.33 | 250,602.20 |
88 | 1,593.91 | 842.10 | 751.81 | 249,760.10 |
89 | 1,593.91 | 844.63 | 749.28 | 248,915.47 |
90 | 1,593.91 | 847.16 | 746.75 | 248,068.31 |
91 | 1,593.91 | 849.70 | 744.20 | 247,218.61 |
92 | 1,593.91 | 852.25 | 741.66 | 246,366.35 |
93 | 1,593.91 | 854.81 | 739.10 | 245,511.54 |
94 | 1,593.91 | 857.37 | 736.53 | 244,654.17 |
95 | 1,593.91 | 859.95 | 733.96 | 243,794.22 |
96 | 1,593.91 | 862.53 | 731.38 | 242,931.70 |
97 | 1,593.91 | 865.11 | 728.80 | 242,066.59 |
98 | 1,593.91 | 867.71 | 726.20 | 241,198.88 |
99 | 1,593.91 | 870.31 | 723.60 | 240,328.56 |
100 | 1,593.91 | 872.92 | 720.99 | 239,455.64 |
101 | 1,593.91 | 875.54 | 718.37 | 238,580.10 |
102 | 1,593.91 | 878.17 | 715.74 | 237,701.93 |
103 | 1,593.91 | 880.80 | 713.11 | 236,821.13 |
104 | 1,593.91 | 883.45 | 710.46 | 235,937.68 |
105 | 1,593.91 | 886.10 | 707.81 | 235,051.59 |
106 | 1,593.91 | 888.75 | 705.15 | 234,162.84 |
107 | 1,593.91 | 891.42 | 702.49 | 233,271.42 |
108 | 1,593.91 | 894.09 | 699.81 | 232,377.32 |
109 | 1,593.91 | 896.78 | 697.13 | 231,480.54 |
110 | 1,593.91 | 899.47 | 694.44 | 230,581.08 |
111 | 1,593.91 | 902.17 | 691.74 | 229,678.91 |
112 | 1,593.91 | 904.87 | 689.04 | 228,774.04 |
113 | 1,593.91 | 907.59 | 686.32 | 227,866.45 |
114 | 1,593.91 | 910.31 | 683.60 | 226,956.14 |
115 | 1,593.91 | 913.04 | 680.87 | 226,043.10 |
116 | 1,593.91 | 915.78 | 678.13 | 225,127.33 |
117 | 1,593.91 | 918.53 | 675.38 | 224,208.80 |
118 | 1,593.91 | 921.28 | 672.63 | 223,287.52 |
119 | 1,593.91 | 924.05 | 669.86 | 222,363.47 |
120 | 1,593.91 | 926.82 | 667.09 | 221,436.65 |
121 | 1,593.91 | 929.60 | 664.31 | 220,507.05 |
122 | 1,593.91 | 932.39 | 661.52 | 219,574.67 |
123 | 1,593.91 | 935.18 | 658.72 | 218,639.48 |
124 | 1,593.91 | 937.99 | 655.92 | 217,701.49 |
125 | 1,593.91 | 940.80 | 653.10 | 216,760.69 |
126 | 1,593.91 | 943.63 | 650.28 | 215,817.06 |
127 | 1,593.91 | 946.46 | 647.45 | 214,870.60 |
128 | 1,593.91 | 949.30 | 644.61 | 213,921.31 |
129 | 1,593.91 | 952.14 | 641.76 | 212,969.16 |
130 | 1,593.91 | 955.00 | 638.91 | 212,014.16 |
131 | 1,593.91 | 957.87 | 636.04 | 211,056.30 |
132 | 1,593.91 | 960.74 | 633.17 | 210,095.56 |
133 | 1,593.91 | 963.62 | 630.29 | 209,131.93 |
134 | 1,593.91 | 966.51 | 627.40 | 208,165.42 |
135 | 1,593.91 | 969.41 | 624.50 | 207,196.01 |
136 | 1,593.91 | 972.32 | 621.59 | 206,223.69 |
137 | 1,593.91 | 975.24 | 618.67 | 205,248.45 |
138 | 1,593.91 | 978.16 | 615.75 | 204,270.29 |
139 | 1,593.91 | 981.10 | 612.81 | 203,289.19 |
140 | 1,593.91 | 984.04 | 609.87 | 202,305.15 |
141 | 1,593.91 | 986.99 | 606.92 | 201,318.16 |
142 | 1,593.91 | 989.95 | 603.95 | 200,328.20 |
143 | 1,593.91 | 992.92 | 600.98 | 199,335.28 |
144 | 1,593.91 | 995.90 | 598.01 | 198,339.38 |
145 | 1,593.91 | 998.89 | 595.02 | 197,340.48 |
146 | 1,593.91 | 1,001.89 | 592.02 | 196,338.60 |
147 | 1,593.91 | 1,004.89 | 589.02 | 195,333.70 |
148 | 1,593.91 | 1,007.91 | 586.00 | 194,325.80 |
149 | 1,593.91 | 1,010.93 | 582.98 | 193,314.87 |
150 | 1,593.91 | 1,013.96 | 579.94 | 192,300.90 |
151 | 1,593.91 | 1,017.01 | 576.90 | 191,283.90 |
152 | 1,593.91 | 1,020.06 | 573.85 | 190,263.84 |
153 | 1,593.91 | 1,023.12 | 570.79 | 189,240.72 |
154 | 1,593.91 | 1,026.19 | 567.72 | 188,214.54 |
155 | 1,593.91 | 1,029.26 | 564.64 | 187,185.27 |
156 | 1,593.91 | 1,032.35 | 561.56 | 186,152.92 |
157 | 1,593.91 | 1,035.45 | 558.46 | 185,117.47 |
158 | 1,593.91 | 1,038.56 | 555.35 | 184,078.91 |
159 | 1,593.91 | 1,041.67 | 552.24 | 183,037.24 |
160 | 1,593.91 | 1,044.80 | 549.11 | 181,992.44 |
161 | 1,593.91 | 1,047.93 | 545.98 | 180,944.51 |
162 | 1,593.91 | 1,051.08 | 542.83 | 179,893.44 |
163 | 1,593.91 | 1,054.23 | 539.68 | 178,839.21 |
164 | 1,593.91 | 1,057.39 | 536.52 | 177,781.82 |
165 | 1,593.91 | 1,060.56 | 533.35 | 176,721.26 |
166 | 1,593.91 | 1,063.74 | 530.16 | 175,657.51 |
167 | 1,593.91 | 1,066.94 | 526.97 | 174,590.57 |
168 | 1,593.91 | 1,070.14 | 523.77 | 173,520.44 |
169 | 1,593.91 | 1,073.35 | 520.56 | 172,447.09 |
170 | 1,593.91 | 1,076.57 | 517.34 | 171,370.52 |
171 | 1,593.91 | 1,079.80 | 514.11 | 170,290.73 |
172 | 1,593.91 | 1,083.04 | 510.87 | 169,207.69 |
173 | 1,593.91 | 1,086.29 | 507.62 | 168,121.40 |
174 | 1,593.91 | 1,089.54 | 504.36 | 167,031.86 |
175 | 1,593.91 | 1,092.81 | 501.10 | 165,939.05 |
176 | 1,593.91 | 1,096.09 | 497.82 | 164,842.96 |
177 | 1,593.91 | 1,099.38 | 494.53 | 163,743.58 |
178 | 1,593.91 | 1,102.68 | 491.23 | 162,640.90 |
179 | 1,593.91 | 1,105.99 | 487.92 | 161,534.91 |
180 | 1,593.91 | 1,109.30 | 484.60 | 160,425.61 |
181 | 1,593.91 | 1,112.63 | 481.28 | 159,312.98 |
182 | 1,593.91 | 1,115.97 | 477.94 | 158,197.01 |
183 | 1,593.91 | 1,119.32 | 474.59 | 157,077.69 |
184 | 1,593.91 | 1,122.68 | 471.23 | 155,955.01 |
185 | 1,593.91 | 1,126.04 | 467.87 | 154,828.97 |
186 | 1,593.91 | 1,129.42 | 464.49 | 153,699.55 |
187 | 1,593.91 | 1,132.81 | 461.10 | 152,566.74 |
188 | 1,593.91 | 1,136.21 | 457.70 | 151,430.53 |
189 | 1,593.91 | 1,139.62 | 454.29 | 150,290.91 |
190 | 1,593.91 | 1,143.04 | 450.87 | 149,147.88 |
191 | 1,593.91 | 1,146.46 | 447.44 | 148,001.41 |
192 | 1,593.91 | 1,149.90 | 444.00 | 146,851.51 |
193 | 1,593.91 | 1,153.35 | 440.55 | 145,698.16 |
194 | 1,593.91 | 1,156.81 | 437.09 | 144,541.34 |
195 | 1,593.91 | 1,160.28 | 433.62 | 143,381.06 |
196 | 1,593.91 | 1,163.77 | 430.14 | 142,217.29 |
197 | 1,593.91 | 1,167.26 | 426.65 | 141,050.03 |
198 | 1,593.91 | 1,170.76 | 423.15 | 139,879.28 |
199 | 1,593.91 | 1,174.27 | 419.64 | 138,705.01 |
200 | 1,593.91 | 1,177.79 | 416.12 | 137,527.21 |
201 | 1,593.91 | 1,181.33 | 412.58 | 136,345.88 |
202 | 1,593.91 | 1,184.87 | 409.04 | 135,161.01 |
203 | 1,593.91 | 1,188.43 | 405.48 | 133,972.59 |
204 | 1,593.91 | 1,191.99 | 401.92 | 132,780.60 |
205 | 1,593.91 | 1,195.57 | 398.34 | 131,585.03 |
206 | 1,593.91 | 1,199.15 | 394.76 | 130,385.88 |
207 | 1,593.91 | 1,202.75 | 391.16 | 129,183.13 |
208 | 1,593.91 | 1,206.36 | 387.55 | 127,976.77 |
209 | 1,593.91 | 1,209.98 | 383.93 | 126,766.79 |
210 | 1,593.91 | 1,213.61 | 380.30 | 125,553.18 |
211 | 1,593.91 | 1,217.25 | 376.66 | 124,335.93 |
212 | 1,593.91 | 1,220.90 | 373.01 | 123,115.03 |
213 | 1,593.91 | 1,224.56 | 369.35 | 121,890.47 |
214 | 1,593.91 | 1,228.24 | 365.67 | 120,662.23 |
215 | 1,593.91 | 1,231.92 | 361.99 | 119,430.31 |
216 | 1,593.91 | 1,235.62 | 358.29 | 118,194.69 |
217 | 1,593.91 | 1,239.32 | 354.58 | 116,955.37 |
218 | 1,593.91 | 1,243.04 | 350.87 | 115,712.32 |
219 | 1,593.91 | 1,246.77 | 347.14 | 114,465.55 |
220 | 1,593.91 | 1,250.51 | 343.40 | 113,215.04 |
221 | 1,593.91 | 1,254.26 | 339.65 | 111,960.78 |
222 | 1,593.91 | 1,258.03 | 335.88 | 110,702.75 |
223 | 1,593.91 | 1,261.80 | 332.11 | 109,440.95 |
224 | 1,593.91 | 1,265.59 | 328.32 | 108,175.37 |
225 | 1,593.91 | 1,269.38 | 324.53 | 106,905.98 |
226 | 1,593.91 | 1,273.19 | 320.72 | 105,632.79 |
227 | 1,593.91 | 1,277.01 | 316.90 | 104,355.78 |
228 | 1,593.91 | 1,280.84 | 313.07 | 103,074.94 |
229 | 1,593.91 | 1,284.68 | 309.22 | 101,790.26 |
230 | 1,593.91 | 1,288.54 | 305.37 | 100,501.72 |
231 | 1,593.91 | 1,292.40 | 301.51 | 99,209.32 |
232 | 1,593.91 | 1,296.28 | 297.63 | 97,913.04 |
233 | 1,593.91 | 1,300.17 | 293.74 | 96,612.87 |
234 | 1,593.91 | 1,304.07 | 289.84 | 95,308.80 |
235 | 1,593.91 | 1,307.98 | 285.93 | 94,000.81 |
236 | 1,593.91 | 1,311.91 | 282.00 | 92,688.91 |
237 | 1,593.91 | 1,315.84 | 278.07 | 91,373.07 |
238 | 1,593.91 | 1,319.79 | 274.12 | 90,053.28 |
239 | 1,593.91 | 1,323.75 | 270.16 | 88,729.53 |
240 | 1,593.91 | 1,327.72 | 266.19 | 87,401.81 |
241 | 1,593.91 | 1,331.70 | 262.21 | 86,070.10 |
242 | 1,593.91 | 1,335.70 | 258.21 | 84,734.41 |
243 | 1,593.91 | 1,339.71 | 254.20 | 83,394.70 |
244 | 1,593.91 | 1,343.72 | 250.18 | 82,050.98 |
245 | 1,593.91 | 1,347.76 | 246.15 | 80,703.22 |
246 | 1,593.91 | 1,351.80 | 242.11 | 79,351.42 |
247 | 1,593.91 | 1,355.85 | 238.05 | 77,995.57 |
248 | 1,593.91 | 1,359.92 | 233.99 | 76,635.65 |
249 | 1,593.91 | 1,364.00 | 229.91 | 75,271.64 |
250 | 1,593.91 | 1,368.09 | 225.81 | 73,903.55 |
251 | 1,593.91 | 1,372.20 | 221.71 | 72,531.35 |
252 | 1,593.91 | 1,376.31 | 217.59 | 71,155.04 |
253 | 1,593.91 | 1,380.44 | 213.47 | 69,774.60 |
254 | 1,593.91 | 1,384.58 | 209.32 | 68,390.01 |
255 | 1,593.91 | 1,388.74 | 205.17 | 67,001.27 |
256 | 1,593.91 | 1,392.90 | 201.00 | 65,608.37 |
257 | 1,593.91 | 1,397.08 | 196.83 | 64,211.28 |
258 | 1,593.91 | 1,401.27 | 192.63 | 62,810.01 |
259 | 1,593.91 | 1,405.48 | 188.43 | 61,404.53 |
260 | 1,593.91 | 1,409.69 | 184.21 | 59,994.84 |
261 | 1,593.91 | 1,413.92 | 179.98 | 58,580.91 |
262 | 1,593.91 | 1,418.17 | 175.74 | 57,162.75 |
263 | 1,593.91 | 1,422.42 | 171.49 | 55,740.33 |
264 | 1,593.91 | 1,426.69 | 167.22 | 54,313.64 |
265 | 1,593.91 | 1,430.97 | 162.94 | 52,882.67 |
266 | 1,593.91 | 1,435.26 | 158.65 | 51,447.41 |
267 | 1,593.91 | 1,439.57 | 154.34 | 50,007.84 |
268 | 1,593.91 | 1,443.89 | 150.02 | 48,563.96 |
269 | 1,593.91 | 1,448.22 | 145.69 | 47,115.74 |
270 | 1,593.91 | 1,452.56 | 141.35 | 45,663.18 |
271 | 1,593.91 | 1,456.92 | 136.99 | 44,206.26 |
272 | 1,593.91 | 1,461.29 | 132.62 | 42,744.97 |
273 | 1,593.91 | 1,465.67 | 128.23 | 41,279.30 |
274 | 1,593.91 | 1,470.07 | 123.84 | 39,809.23 |
275 | 1,593.91 | 1,474.48 | 119.43 | 38,334.75 |
276 | 1,593.91 | 1,478.90 | 115.00 | 36,855.84 |
277 | 1,593.91 | 1,483.34 | 110.57 | 35,372.50 |
278 | 1,593.91 | 1,487.79 | 106.12 | 33,884.71 |
279 | 1,593.91 | 1,492.25 | 101.65 | 32,392.46 |
280 | 1,593.91 | 1,496.73 | 97.18 | 30,895.72 |
281 | 1,593.91 | 1,501.22 | 92.69 | 29,394.50 |
282 | 1,593.91 | 1,505.73 | 88.18 | 27,888.78 |
283 | 1,593.91 | 1,510.24 | 83.67 | 26,378.54 |
284 | 1,593.91 | 1,514.77 | 79.14 | 24,863.76 |
285 | 1,593.91 | 1,519.32 | 74.59 | 23,344.45 |
286 | 1,593.91 | 1,523.88 | 70.03 | 21,820.57 |
287 | 1,593.91 | 1,528.45 | 65.46 | 20,292.12 |
288 | 1,593.91 | 1,533.03 | 60.88 | 18,759.09 |
289 | 1,593.91 | 1,537.63 | 56.28 | 17,221.46 |
290 | 1,593.91 | 1,542.24 | 51.66 | 15,679.22 |
291 | 1,593.91 | 1,546.87 | 47.04 | 14,132.35 |
292 | 1,593.91 | 1,551.51 | 42.40 | 12,580.83 |
293 | 1,593.91 | 1,556.17 | 37.74 | 11,024.67 |
294 | 1,593.91 | 1,560.83 | 33.07 | 9,463.83 |
295 | 1,593.91 | 1,565.52 | 28.39 | 7,898.32 |
296 | 1,593.91 | 1,570.21 | 23.69 | 6,328.10 |
297 | 1,593.91 | 1,574.92 | 18.98 | 4,753.18 |
298 | 1,593.91 | 1,579.65 | 14.26 | 3,173.53 |
299 | 1,593.91 | 1,584.39 | 9.52 | 1,589.14 |
300 | 1,593.91 | 1,589.14 | 4.77 | 0.00 |