Mortgage Loan of $315,000 for 25 Years at 3.65%
What's the payment on a 25 year home loan for $315k at 3.65% interest?
Results
Monthly payment: $1,602.42
$19,229 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 3.65 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 | 1,602.42 | 644.29 | 958.13 | 314,355.71 |
2 | 1,602.42 | 646.25 | 956.17 | 313,709.45 |
3 | 1,602.42 | 648.22 | 954.20 | 313,061.23 |
4 | 1,602.42 | 650.19 | 952.23 | 312,411.04 |
5 | 1,602.42 | 652.17 | 950.25 | 311,758.88 |
6 | 1,602.42 | 654.15 | 948.27 | 311,104.72 |
7 | 1,602.42 | 656.14 | 946.28 | 310,448.58 |
8 | 1,602.42 | 658.14 | 944.28 | 309,790.45 |
9 | 1,602.42 | 660.14 | 942.28 | 309,130.31 |
10 | 1,602.42 | 662.15 | 940.27 | 308,468.16 |
11 | 1,602.42 | 664.16 | 938.26 | 307,804.00 |
12 | 1,602.42 | 666.18 | 936.24 | 307,137.82 |
13 | 1,602.42 | 668.21 | 934.21 | 306,469.61 |
14 | 1,602.42 | 670.24 | 932.18 | 305,799.37 |
15 | 1,602.42 | 672.28 | 930.14 | 305,127.09 |
16 | 1,602.42 | 674.32 | 928.09 | 304,452.77 |
17 | 1,602.42 | 676.37 | 926.04 | 303,776.39 |
18 | 1,602.42 | 678.43 | 923.99 | 303,097.96 |
19 | 1,602.42 | 680.50 | 921.92 | 302,417.47 |
20 | 1,602.42 | 682.57 | 919.85 | 301,734.90 |
21 | 1,602.42 | 684.64 | 917.78 | 301,050.26 |
22 | 1,602.42 | 686.72 | 915.69 | 300,363.53 |
23 | 1,602.42 | 688.81 | 913.61 | 299,674.72 |
24 | 1,602.42 | 690.91 | 911.51 | 298,983.81 |
25 | 1,602.42 | 693.01 | 909.41 | 298,290.80 |
26 | 1,602.42 | 695.12 | 907.30 | 297,595.69 |
27 | 1,602.42 | 697.23 | 905.19 | 296,898.46 |
28 | 1,602.42 | 699.35 | 903.07 | 296,199.10 |
29 | 1,602.42 | 701.48 | 900.94 | 295,497.62 |
30 | 1,602.42 | 703.61 | 898.81 | 294,794.01 |
31 | 1,602.42 | 705.75 | 896.67 | 294,088.26 |
32 | 1,602.42 | 707.90 | 894.52 | 293,380.36 |
33 | 1,602.42 | 710.05 | 892.37 | 292,670.30 |
34 | 1,602.42 | 712.21 | 890.21 | 291,958.09 |
35 | 1,602.42 | 714.38 | 888.04 | 291,243.71 |
36 | 1,602.42 | 716.55 | 885.87 | 290,527.16 |
37 | 1,602.42 | 718.73 | 883.69 | 289,808.43 |
38 | 1,602.42 | 720.92 | 881.50 | 289,087.51 |
39 | 1,602.42 | 723.11 | 879.31 | 288,364.40 |
40 | 1,602.42 | 725.31 | 877.11 | 287,639.09 |
41 | 1,602.42 | 727.52 | 874.90 | 286,911.57 |
42 | 1,602.42 | 729.73 | 872.69 | 286,181.85 |
43 | 1,602.42 | 731.95 | 870.47 | 285,449.90 |
44 | 1,602.42 | 734.17 | 868.24 | 284,715.72 |
45 | 1,602.42 | 736.41 | 866.01 | 283,979.31 |
46 | 1,602.42 | 738.65 | 863.77 | 283,240.67 |
47 | 1,602.42 | 740.89 | 861.52 | 282,499.77 |
48 | 1,602.42 | 743.15 | 859.27 | 281,756.62 |
49 | 1,602.42 | 745.41 | 857.01 | 281,011.21 |
50 | 1,602.42 | 747.68 | 854.74 | 280,263.54 |
51 | 1,602.42 | 749.95 | 852.47 | 279,513.59 |
52 | 1,602.42 | 752.23 | 850.19 | 278,761.36 |
53 | 1,602.42 | 754.52 | 847.90 | 278,006.84 |
54 | 1,602.42 | 756.81 | 845.60 | 277,250.02 |
55 | 1,602.42 | 759.12 | 843.30 | 276,490.91 |
56 | 1,602.42 | 761.43 | 840.99 | 275,729.48 |
57 | 1,602.42 | 763.74 | 838.68 | 274,965.74 |
58 | 1,602.42 | 766.06 | 836.35 | 274,199.68 |
59 | 1,602.42 | 768.39 | 834.02 | 273,431.28 |
60 | 1,602.42 | 770.73 | 831.69 | 272,660.55 |
61 | 1,602.42 | 773.08 | 829.34 | 271,887.47 |
62 | 1,602.42 | 775.43 | 826.99 | 271,112.05 |
63 | 1,602.42 | 777.79 | 824.63 | 270,334.26 |
64 | 1,602.42 | 780.15 | 822.27 | 269,554.11 |
65 | 1,602.42 | 782.52 | 819.89 | 268,771.58 |
66 | 1,602.42 | 784.90 | 817.51 | 267,986.68 |
67 | 1,602.42 | 787.29 | 815.13 | 267,199.39 |
68 | 1,602.42 | 789.69 | 812.73 | 266,409.70 |
69 | 1,602.42 | 792.09 | 810.33 | 265,617.61 |
70 | 1,602.42 | 794.50 | 807.92 | 264,823.11 |
71 | 1,602.42 | 796.91 | 805.50 | 264,026.20 |
72 | 1,602.42 | 799.34 | 803.08 | 263,226.86 |
73 | 1,602.42 | 801.77 | 800.65 | 262,425.09 |
74 | 1,602.42 | 804.21 | 798.21 | 261,620.88 |
75 | 1,602.42 | 806.65 | 795.76 | 260,814.23 |
76 | 1,602.42 | 809.11 | 793.31 | 260,005.12 |
77 | 1,602.42 | 811.57 | 790.85 | 259,193.55 |
78 | 1,602.42 | 814.04 | 788.38 | 258,379.51 |
79 | 1,602.42 | 816.51 | 785.90 | 257,563.00 |
80 | 1,602.42 | 819.00 | 783.42 | 256,744.00 |
81 | 1,602.42 | 821.49 | 780.93 | 255,922.51 |
82 | 1,602.42 | 823.99 | 778.43 | 255,098.52 |
83 | 1,602.42 | 826.49 | 775.92 | 254,272.03 |
84 | 1,602.42 | 829.01 | 773.41 | 253,443.02 |
85 | 1,602.42 | 831.53 | 770.89 | 252,611.49 |
86 | 1,602.42 | 834.06 | 768.36 | 251,777.43 |
87 | 1,602.42 | 836.60 | 765.82 | 250,940.84 |
88 | 1,602.42 | 839.14 | 763.28 | 250,101.70 |
89 | 1,602.42 | 841.69 | 760.73 | 249,260.01 |
90 | 1,602.42 | 844.25 | 758.17 | 248,415.75 |
91 | 1,602.42 | 846.82 | 755.60 | 247,568.93 |
92 | 1,602.42 | 849.40 | 753.02 | 246,719.54 |
93 | 1,602.42 | 851.98 | 750.44 | 245,867.56 |
94 | 1,602.42 | 854.57 | 747.85 | 245,012.99 |
95 | 1,602.42 | 857.17 | 745.25 | 244,155.81 |
96 | 1,602.42 | 859.78 | 742.64 | 243,296.04 |
97 | 1,602.42 | 862.39 | 740.03 | 242,433.64 |
98 | 1,602.42 | 865.02 | 737.40 | 241,568.63 |
99 | 1,602.42 | 867.65 | 734.77 | 240,700.98 |
100 | 1,602.42 | 870.29 | 732.13 | 239,830.69 |
101 | 1,602.42 | 872.93 | 729.49 | 238,957.76 |
102 | 1,602.42 | 875.59 | 726.83 | 238,082.17 |
103 | 1,602.42 | 878.25 | 724.17 | 237,203.92 |
104 | 1,602.42 | 880.92 | 721.50 | 236,323.00 |
105 | 1,602.42 | 883.60 | 718.82 | 235,439.39 |
106 | 1,602.42 | 886.29 | 716.13 | 234,553.10 |
107 | 1,602.42 | 888.99 | 713.43 | 233,664.12 |
108 | 1,602.42 | 891.69 | 710.73 | 232,772.43 |
109 | 1,602.42 | 894.40 | 708.02 | 231,878.03 |
110 | 1,602.42 | 897.12 | 705.30 | 230,980.90 |
111 | 1,602.42 | 899.85 | 702.57 | 230,081.05 |
112 | 1,602.42 | 902.59 | 699.83 | 229,178.46 |
113 | 1,602.42 | 905.33 | 697.08 | 228,273.13 |
114 | 1,602.42 | 908.09 | 694.33 | 227,365.04 |
115 | 1,602.42 | 910.85 | 691.57 | 226,454.19 |
116 | 1,602.42 | 913.62 | 688.80 | 225,540.57 |
117 | 1,602.42 | 916.40 | 686.02 | 224,624.17 |
118 | 1,602.42 | 919.19 | 683.23 | 223,704.99 |
119 | 1,602.42 | 921.98 | 680.44 | 222,783.00 |
120 | 1,602.42 | 924.79 | 677.63 | 221,858.22 |
121 | 1,602.42 | 927.60 | 674.82 | 220,930.62 |
122 | 1,602.42 | 930.42 | 672.00 | 220,000.20 |
123 | 1,602.42 | 933.25 | 669.17 | 219,066.95 |
124 | 1,602.42 | 936.09 | 666.33 | 218,130.86 |
125 | 1,602.42 | 938.94 | 663.48 | 217,191.92 |
126 | 1,602.42 | 941.79 | 660.63 | 216,250.13 |
127 | 1,602.42 | 944.66 | 657.76 | 215,305.47 |
128 | 1,602.42 | 947.53 | 654.89 | 214,357.94 |
129 | 1,602.42 | 950.41 | 652.01 | 213,407.52 |
130 | 1,602.42 | 953.30 | 649.11 | 212,454.22 |
131 | 1,602.42 | 956.20 | 646.21 | 211,498.02 |
132 | 1,602.42 | 959.11 | 643.31 | 210,538.90 |
133 | 1,602.42 | 962.03 | 640.39 | 209,576.88 |
134 | 1,602.42 | 964.96 | 637.46 | 208,611.92 |
135 | 1,602.42 | 967.89 | 634.53 | 207,644.03 |
136 | 1,602.42 | 970.83 | 631.58 | 206,673.19 |
137 | 1,602.42 | 973.79 | 628.63 | 205,699.41 |
138 | 1,602.42 | 976.75 | 625.67 | 204,722.66 |
139 | 1,602.42 | 979.72 | 622.70 | 203,742.94 |
140 | 1,602.42 | 982.70 | 619.72 | 202,760.24 |
141 | 1,602.42 | 985.69 | 616.73 | 201,774.55 |
142 | 1,602.42 | 988.69 | 613.73 | 200,785.86 |
143 | 1,602.42 | 991.69 | 610.72 | 199,794.17 |
144 | 1,602.42 | 994.71 | 607.71 | 198,799.45 |
145 | 1,602.42 | 997.74 | 604.68 | 197,801.72 |
146 | 1,602.42 | 1,000.77 | 601.65 | 196,800.95 |
147 | 1,602.42 | 1,003.82 | 598.60 | 195,797.13 |
148 | 1,602.42 | 1,006.87 | 595.55 | 194,790.26 |
149 | 1,602.42 | 1,009.93 | 592.49 | 193,780.33 |
150 | 1,602.42 | 1,013.00 | 589.42 | 192,767.33 |
151 | 1,602.42 | 1,016.08 | 586.33 | 191,751.24 |
152 | 1,602.42 | 1,019.18 | 583.24 | 190,732.07 |
153 | 1,602.42 | 1,022.28 | 580.14 | 189,709.79 |
154 | 1,602.42 | 1,025.38 | 577.03 | 188,684.41 |
155 | 1,602.42 | 1,028.50 | 573.92 | 187,655.91 |
156 | 1,602.42 | 1,031.63 | 570.79 | 186,624.27 |
157 | 1,602.42 | 1,034.77 | 567.65 | 185,589.50 |
158 | 1,602.42 | 1,037.92 | 564.50 | 184,551.59 |
159 | 1,602.42 | 1,041.07 | 561.34 | 183,510.51 |
160 | 1,602.42 | 1,044.24 | 558.18 | 182,466.27 |
161 | 1,602.42 | 1,047.42 | 555.00 | 181,418.86 |
162 | 1,602.42 | 1,050.60 | 551.82 | 180,368.25 |
163 | 1,602.42 | 1,053.80 | 548.62 | 179,314.45 |
164 | 1,602.42 | 1,057.00 | 545.41 | 178,257.45 |
165 | 1,602.42 | 1,060.22 | 542.20 | 177,197.23 |
166 | 1,602.42 | 1,063.44 | 538.97 | 176,133.79 |
167 | 1,602.42 | 1,066.68 | 535.74 | 175,067.11 |
168 | 1,602.42 | 1,069.92 | 532.50 | 173,997.19 |
169 | 1,602.42 | 1,073.18 | 529.24 | 172,924.01 |
170 | 1,602.42 | 1,076.44 | 525.98 | 171,847.57 |
171 | 1,602.42 | 1,079.72 | 522.70 | 170,767.85 |
172 | 1,602.42 | 1,083.00 | 519.42 | 169,684.85 |
173 | 1,602.42 | 1,086.29 | 516.12 | 168,598.56 |
174 | 1,602.42 | 1,089.60 | 512.82 | 167,508.96 |
175 | 1,602.42 | 1,092.91 | 509.51 | 166,416.05 |
176 | 1,602.42 | 1,096.24 | 506.18 | 165,319.82 |
177 | 1,602.42 | 1,099.57 | 502.85 | 164,220.24 |
178 | 1,602.42 | 1,102.92 | 499.50 | 163,117.33 |
179 | 1,602.42 | 1,106.27 | 496.15 | 162,011.06 |
180 | 1,602.42 | 1,109.63 | 492.78 | 160,901.42 |
181 | 1,602.42 | 1,113.01 | 489.41 | 159,788.41 |
182 | 1,602.42 | 1,116.40 | 486.02 | 158,672.02 |
183 | 1,602.42 | 1,119.79 | 482.63 | 157,552.23 |
184 | 1,602.42 | 1,123.20 | 479.22 | 156,429.03 |
185 | 1,602.42 | 1,126.61 | 475.80 | 155,302.42 |
186 | 1,602.42 | 1,130.04 | 472.38 | 154,172.38 |
187 | 1,602.42 | 1,133.48 | 468.94 | 153,038.90 |
188 | 1,602.42 | 1,136.93 | 465.49 | 151,901.98 |
189 | 1,602.42 | 1,140.38 | 462.04 | 150,761.59 |
190 | 1,602.42 | 1,143.85 | 458.57 | 149,617.74 |
191 | 1,602.42 | 1,147.33 | 455.09 | 148,470.41 |
192 | 1,602.42 | 1,150.82 | 451.60 | 147,319.59 |
193 | 1,602.42 | 1,154.32 | 448.10 | 146,165.27 |
194 | 1,602.42 | 1,157.83 | 444.59 | 145,007.43 |
195 | 1,602.42 | 1,161.35 | 441.06 | 143,846.08 |
196 | 1,602.42 | 1,164.89 | 437.53 | 142,681.19 |
197 | 1,602.42 | 1,168.43 | 433.99 | 141,512.76 |
198 | 1,602.42 | 1,171.98 | 430.43 | 140,340.78 |
199 | 1,602.42 | 1,175.55 | 426.87 | 139,165.23 |
200 | 1,602.42 | 1,179.12 | 423.29 | 137,986.11 |
201 | 1,602.42 | 1,182.71 | 419.71 | 136,803.40 |
202 | 1,602.42 | 1,186.31 | 416.11 | 135,617.09 |
203 | 1,602.42 | 1,189.92 | 412.50 | 134,427.17 |
204 | 1,602.42 | 1,193.54 | 408.88 | 133,233.64 |
205 | 1,602.42 | 1,197.17 | 405.25 | 132,036.47 |
206 | 1,602.42 | 1,200.81 | 401.61 | 130,835.66 |
207 | 1,602.42 | 1,204.46 | 397.96 | 129,631.20 |
208 | 1,602.42 | 1,208.12 | 394.29 | 128,423.08 |
209 | 1,602.42 | 1,211.80 | 390.62 | 127,211.28 |
210 | 1,602.42 | 1,215.48 | 386.93 | 125,995.80 |
211 | 1,602.42 | 1,219.18 | 383.24 | 124,776.62 |
212 | 1,602.42 | 1,222.89 | 379.53 | 123,553.73 |
213 | 1,602.42 | 1,226.61 | 375.81 | 122,327.12 |
214 | 1,602.42 | 1,230.34 | 372.08 | 121,096.78 |
215 | 1,602.42 | 1,234.08 | 368.34 | 119,862.69 |
216 | 1,602.42 | 1,237.84 | 364.58 | 118,624.86 |
217 | 1,602.42 | 1,241.60 | 360.82 | 117,383.26 |
218 | 1,602.42 | 1,245.38 | 357.04 | 116,137.88 |
219 | 1,602.42 | 1,249.17 | 353.25 | 114,888.71 |
220 | 1,602.42 | 1,252.97 | 349.45 | 113,635.75 |
221 | 1,602.42 | 1,256.78 | 345.64 | 112,378.97 |
222 | 1,602.42 | 1,260.60 | 341.82 | 111,118.37 |
223 | 1,602.42 | 1,264.43 | 337.99 | 109,853.94 |
224 | 1,602.42 | 1,268.28 | 334.14 | 108,585.66 |
225 | 1,602.42 | 1,272.14 | 330.28 | 107,313.52 |
226 | 1,602.42 | 1,276.01 | 326.41 | 106,037.52 |
227 | 1,602.42 | 1,279.89 | 322.53 | 104,757.63 |
228 | 1,602.42 | 1,283.78 | 318.64 | 103,473.85 |
229 | 1,602.42 | 1,287.69 | 314.73 | 102,186.16 |
230 | 1,602.42 | 1,291.60 | 310.82 | 100,894.56 |
231 | 1,602.42 | 1,295.53 | 306.89 | 99,599.03 |
232 | 1,602.42 | 1,299.47 | 302.95 | 98,299.56 |
233 | 1,602.42 | 1,303.42 | 298.99 | 96,996.14 |
234 | 1,602.42 | 1,307.39 | 295.03 | 95,688.75 |
235 | 1,602.42 | 1,311.37 | 291.05 | 94,377.38 |
236 | 1,602.42 | 1,315.35 | 287.06 | 93,062.03 |
237 | 1,602.42 | 1,319.35 | 283.06 | 91,742.67 |
238 | 1,602.42 | 1,323.37 | 279.05 | 90,419.31 |
239 | 1,602.42 | 1,327.39 | 275.03 | 89,091.91 |
240 | 1,602.42 | 1,331.43 | 270.99 | 87,760.48 |
241 | 1,602.42 | 1,335.48 | 266.94 | 86,425.00 |
242 | 1,602.42 | 1,339.54 | 262.88 | 85,085.46 |
243 | 1,602.42 | 1,343.62 | 258.80 | 83,741.84 |
244 | 1,602.42 | 1,347.70 | 254.71 | 82,394.14 |
245 | 1,602.42 | 1,351.80 | 250.62 | 81,042.34 |
246 | 1,602.42 | 1,355.91 | 246.50 | 79,686.42 |
247 | 1,602.42 | 1,360.04 | 242.38 | 78,326.38 |
248 | 1,602.42 | 1,364.18 | 238.24 | 76,962.21 |
249 | 1,602.42 | 1,368.33 | 234.09 | 75,593.88 |
250 | 1,602.42 | 1,372.49 | 229.93 | 74,221.39 |
251 | 1,602.42 | 1,376.66 | 225.76 | 72,844.73 |
252 | 1,602.42 | 1,380.85 | 221.57 | 71,463.88 |
253 | 1,602.42 | 1,385.05 | 217.37 | 70,078.84 |
254 | 1,602.42 | 1,389.26 | 213.16 | 68,689.57 |
255 | 1,602.42 | 1,393.49 | 208.93 | 67,296.09 |
256 | 1,602.42 | 1,397.73 | 204.69 | 65,898.36 |
257 | 1,602.42 | 1,401.98 | 200.44 | 64,496.38 |
258 | 1,602.42 | 1,406.24 | 196.18 | 63,090.14 |
259 | 1,602.42 | 1,410.52 | 191.90 | 61,679.62 |
260 | 1,602.42 | 1,414.81 | 187.61 | 60,264.81 |
261 | 1,602.42 | 1,419.11 | 183.31 | 58,845.70 |
262 | 1,602.42 | 1,423.43 | 178.99 | 57,422.27 |
263 | 1,602.42 | 1,427.76 | 174.66 | 55,994.51 |
264 | 1,602.42 | 1,432.10 | 170.32 | 54,562.41 |
265 | 1,602.42 | 1,436.46 | 165.96 | 53,125.95 |
266 | 1,602.42 | 1,440.83 | 161.59 | 51,685.12 |
267 | 1,602.42 | 1,445.21 | 157.21 | 50,239.91 |
268 | 1,602.42 | 1,449.61 | 152.81 | 48,790.31 |
269 | 1,602.42 | 1,454.01 | 148.40 | 47,336.29 |
270 | 1,602.42 | 1,458.44 | 143.98 | 45,877.86 |
271 | 1,602.42 | 1,462.87 | 139.55 | 44,414.98 |
272 | 1,602.42 | 1,467.32 | 135.10 | 42,947.66 |
273 | 1,602.42 | 1,471.79 | 130.63 | 41,475.87 |
274 | 1,602.42 | 1,476.26 | 126.16 | 39,999.61 |
275 | 1,602.42 | 1,480.75 | 121.67 | 38,518.86 |
276 | 1,602.42 | 1,485.26 | 117.16 | 37,033.60 |
277 | 1,602.42 | 1,489.77 | 112.64 | 35,543.83 |
278 | 1,602.42 | 1,494.31 | 108.11 | 34,049.52 |
279 | 1,602.42 | 1,498.85 | 103.57 | 32,550.67 |
280 | 1,602.42 | 1,503.41 | 99.01 | 31,047.26 |
281 | 1,602.42 | 1,507.98 | 94.44 | 29,539.28 |
282 | 1,602.42 | 1,512.57 | 89.85 | 28,026.71 |
283 | 1,602.42 | 1,517.17 | 85.25 | 26,509.54 |
284 | 1,602.42 | 1,521.79 | 80.63 | 24,987.75 |
285 | 1,602.42 | 1,526.41 | 76.00 | 23,461.34 |
286 | 1,602.42 | 1,531.06 | 71.36 | 21,930.28 |
287 | 1,602.42 | 1,535.71 | 66.70 | 20,394.57 |
288 | 1,602.42 | 1,540.38 | 62.03 | 18,854.18 |
289 | 1,602.42 | 1,545.07 | 57.35 | 17,309.11 |
290 | 1,602.42 | 1,549.77 | 52.65 | 15,759.34 |
291 | 1,602.42 | 1,554.48 | 47.93 | 14,204.86 |
292 | 1,602.42 | 1,559.21 | 43.21 | 12,645.65 |
293 | 1,602.42 | 1,563.95 | 38.46 | 11,081.69 |
294 | 1,602.42 | 1,568.71 | 33.71 | 9,512.98 |
295 | 1,602.42 | 1,573.48 | 28.94 | 7,939.50 |
296 | 1,602.42 | 1,578.27 | 24.15 | 6,361.23 |
297 | 1,602.42 | 1,583.07 | 19.35 | 4,778.16 |
298 | 1,602.42 | 1,587.88 | 14.53 | 3,190.27 |
299 | 1,602.42 | 1,592.71 | 9.70 | 1,597.56 |
300 | 1,602.42 | 1,597.56 | 4.86 | 0.00 |