Mortgage Loan of $147,000 for 25 Years at 9.75%
What's the payment on a 25 year home loan for $147k at 9.75% interest?
Results
Monthly payment: $1,309.97
$15,720 per year
What's the monthly payment? Use the loan payment schedule below to view payments each month based on a fixed rate $147k 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 147,000 loan for 25 years at 9.75 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 | 1,309.97 | 115.60 | 1,194.38 | 146,884.40 |
2 | 1,309.97 | 116.54 | 1,193.44 | 146,767.87 |
3 | 1,309.97 | 117.48 | 1,192.49 | 146,650.38 |
4 | 1,309.97 | 118.44 | 1,191.53 | 146,531.95 |
5 | 1,309.97 | 119.40 | 1,190.57 | 146,412.55 |
6 | 1,309.97 | 120.37 | 1,189.60 | 146,292.18 |
7 | 1,309.97 | 121.35 | 1,188.62 | 146,170.83 |
8 | 1,309.97 | 122.33 | 1,187.64 | 146,048.49 |
9 | 1,309.97 | 123.33 | 1,186.64 | 145,925.17 |
10 | 1,309.97 | 124.33 | 1,185.64 | 145,800.84 |
11 | 1,309.97 | 125.34 | 1,184.63 | 145,675.50 |
12 | 1,309.97 | 126.36 | 1,183.61 | 145,549.14 |
13 | 1,309.97 | 127.39 | 1,182.59 | 145,421.75 |
14 | 1,309.97 | 128.42 | 1,181.55 | 145,293.33 |
15 | 1,309.97 | 129.46 | 1,180.51 | 145,163.87 |
16 | 1,309.97 | 130.52 | 1,179.46 | 145,033.35 |
17 | 1,309.97 | 131.58 | 1,178.40 | 144,901.78 |
18 | 1,309.97 | 132.65 | 1,177.33 | 144,769.13 |
19 | 1,309.97 | 133.72 | 1,176.25 | 144,635.41 |
20 | 1,309.97 | 134.81 | 1,175.16 | 144,500.60 |
21 | 1,309.97 | 135.90 | 1,174.07 | 144,364.69 |
22 | 1,309.97 | 137.01 | 1,172.96 | 144,227.69 |
23 | 1,309.97 | 138.12 | 1,171.85 | 144,089.56 |
24 | 1,309.97 | 139.24 | 1,170.73 | 143,950.32 |
25 | 1,309.97 | 140.38 | 1,169.60 | 143,809.94 |
26 | 1,309.97 | 141.52 | 1,168.46 | 143,668.43 |
27 | 1,309.97 | 142.67 | 1,167.31 | 143,525.76 |
28 | 1,309.97 | 143.83 | 1,166.15 | 143,381.94 |
29 | 1,309.97 | 144.99 | 1,164.98 | 143,236.94 |
30 | 1,309.97 | 146.17 | 1,163.80 | 143,090.77 |
31 | 1,309.97 | 147.36 | 1,162.61 | 142,943.41 |
32 | 1,309.97 | 148.56 | 1,161.42 | 142,794.85 |
33 | 1,309.97 | 149.76 | 1,160.21 | 142,645.09 |
34 | 1,309.97 | 150.98 | 1,158.99 | 142,494.11 |
35 | 1,309.97 | 152.21 | 1,157.76 | 142,341.90 |
36 | 1,309.97 | 153.44 | 1,156.53 | 142,188.46 |
37 | 1,309.97 | 154.69 | 1,155.28 | 142,033.77 |
38 | 1,309.97 | 155.95 | 1,154.02 | 141,877.82 |
39 | 1,309.97 | 157.21 | 1,152.76 | 141,720.61 |
40 | 1,309.97 | 158.49 | 1,151.48 | 141,562.11 |
41 | 1,309.97 | 159.78 | 1,150.19 | 141,402.33 |
42 | 1,309.97 | 161.08 | 1,148.89 | 141,241.26 |
43 | 1,309.97 | 162.39 | 1,147.59 | 141,078.87 |
44 | 1,309.97 | 163.71 | 1,146.27 | 140,915.16 |
45 | 1,309.97 | 165.04 | 1,144.94 | 140,750.13 |
46 | 1,309.97 | 166.38 | 1,143.59 | 140,583.75 |
47 | 1,309.97 | 167.73 | 1,142.24 | 140,416.02 |
48 | 1,309.97 | 169.09 | 1,140.88 | 140,246.93 |
49 | 1,309.97 | 170.47 | 1,139.51 | 140,076.46 |
50 | 1,309.97 | 171.85 | 1,138.12 | 139,904.61 |
51 | 1,309.97 | 173.25 | 1,136.72 | 139,731.36 |
52 | 1,309.97 | 174.65 | 1,135.32 | 139,556.71 |
53 | 1,309.97 | 176.07 | 1,133.90 | 139,380.64 |
54 | 1,309.97 | 177.50 | 1,132.47 | 139,203.13 |
55 | 1,309.97 | 178.95 | 1,131.03 | 139,024.18 |
56 | 1,309.97 | 180.40 | 1,129.57 | 138,843.78 |
57 | 1,309.97 | 181.87 | 1,128.11 | 138,661.92 |
58 | 1,309.97 | 183.34 | 1,126.63 | 138,478.57 |
59 | 1,309.97 | 184.83 | 1,125.14 | 138,293.74 |
60 | 1,309.97 | 186.34 | 1,123.64 | 138,107.41 |
61 | 1,309.97 | 187.85 | 1,122.12 | 137,919.56 |
62 | 1,309.97 | 189.38 | 1,120.60 | 137,730.18 |
63 | 1,309.97 | 190.91 | 1,119.06 | 137,539.27 |
64 | 1,309.97 | 192.47 | 1,117.51 | 137,346.80 |
65 | 1,309.97 | 194.03 | 1,115.94 | 137,152.77 |
66 | 1,309.97 | 195.61 | 1,114.37 | 136,957.17 |
67 | 1,309.97 | 197.20 | 1,112.78 | 136,759.97 |
68 | 1,309.97 | 198.80 | 1,111.17 | 136,561.17 |
69 | 1,309.97 | 200.41 | 1,109.56 | 136,360.76 |
70 | 1,309.97 | 202.04 | 1,107.93 | 136,158.72 |
71 | 1,309.97 | 203.68 | 1,106.29 | 135,955.04 |
72 | 1,309.97 | 205.34 | 1,104.63 | 135,749.70 |
73 | 1,309.97 | 207.01 | 1,102.97 | 135,542.69 |
74 | 1,309.97 | 208.69 | 1,101.28 | 135,334.01 |
75 | 1,309.97 | 210.38 | 1,099.59 | 135,123.62 |
76 | 1,309.97 | 212.09 | 1,097.88 | 134,911.53 |
77 | 1,309.97 | 213.82 | 1,096.16 | 134,697.72 |
78 | 1,309.97 | 215.55 | 1,094.42 | 134,482.16 |
79 | 1,309.97 | 217.30 | 1,092.67 | 134,264.86 |
80 | 1,309.97 | 219.07 | 1,090.90 | 134,045.79 |
81 | 1,309.97 | 220.85 | 1,089.12 | 133,824.94 |
82 | 1,309.97 | 222.64 | 1,087.33 | 133,602.29 |
83 | 1,309.97 | 224.45 | 1,085.52 | 133,377.84 |
84 | 1,309.97 | 226.28 | 1,083.69 | 133,151.56 |
85 | 1,309.97 | 228.12 | 1,081.86 | 132,923.45 |
86 | 1,309.97 | 229.97 | 1,080.00 | 132,693.48 |
87 | 1,309.97 | 231.84 | 1,078.13 | 132,461.64 |
88 | 1,309.97 | 233.72 | 1,076.25 | 132,227.92 |
89 | 1,309.97 | 235.62 | 1,074.35 | 131,992.30 |
90 | 1,309.97 | 237.53 | 1,072.44 | 131,754.76 |
91 | 1,309.97 | 239.46 | 1,070.51 | 131,515.30 |
92 | 1,309.97 | 241.41 | 1,068.56 | 131,273.89 |
93 | 1,309.97 | 243.37 | 1,066.60 | 131,030.52 |
94 | 1,309.97 | 245.35 | 1,064.62 | 130,785.17 |
95 | 1,309.97 | 247.34 | 1,062.63 | 130,537.83 |
96 | 1,309.97 | 249.35 | 1,060.62 | 130,288.47 |
97 | 1,309.97 | 251.38 | 1,058.59 | 130,037.10 |
98 | 1,309.97 | 253.42 | 1,056.55 | 129,783.68 |
99 | 1,309.97 | 255.48 | 1,054.49 | 129,528.20 |
100 | 1,309.97 | 257.56 | 1,052.42 | 129,270.64 |
101 | 1,309.97 | 259.65 | 1,050.32 | 129,010.99 |
102 | 1,309.97 | 261.76 | 1,048.21 | 128,749.24 |
103 | 1,309.97 | 263.88 | 1,046.09 | 128,485.35 |
104 | 1,309.97 | 266.03 | 1,043.94 | 128,219.32 |
105 | 1,309.97 | 268.19 | 1,041.78 | 127,951.13 |
106 | 1,309.97 | 270.37 | 1,039.60 | 127,680.76 |
107 | 1,309.97 | 272.57 | 1,037.41 | 127,408.20 |
108 | 1,309.97 | 274.78 | 1,035.19 | 127,133.42 |
109 | 1,309.97 | 277.01 | 1,032.96 | 126,856.40 |
110 | 1,309.97 | 279.26 | 1,030.71 | 126,577.14 |
111 | 1,309.97 | 281.53 | 1,028.44 | 126,295.61 |
112 | 1,309.97 | 283.82 | 1,026.15 | 126,011.79 |
113 | 1,309.97 | 286.13 | 1,023.85 | 125,725.66 |
114 | 1,309.97 | 288.45 | 1,021.52 | 125,437.21 |
115 | 1,309.97 | 290.79 | 1,019.18 | 125,146.42 |
116 | 1,309.97 | 293.16 | 1,016.81 | 124,853.26 |
117 | 1,309.97 | 295.54 | 1,014.43 | 124,557.72 |
118 | 1,309.97 | 297.94 | 1,012.03 | 124,259.78 |
119 | 1,309.97 | 300.36 | 1,009.61 | 123,959.42 |
120 | 1,309.97 | 302.80 | 1,007.17 | 123,656.61 |
121 | 1,309.97 | 305.26 | 1,004.71 | 123,351.35 |
122 | 1,309.97 | 307.74 | 1,002.23 | 123,043.61 |
123 | 1,309.97 | 310.24 | 999.73 | 122,733.37 |
124 | 1,309.97 | 312.76 | 997.21 | 122,420.60 |
125 | 1,309.97 | 315.30 | 994.67 | 122,105.30 |
126 | 1,309.97 | 317.87 | 992.11 | 121,787.43 |
127 | 1,309.97 | 320.45 | 989.52 | 121,466.98 |
128 | 1,309.97 | 323.05 | 986.92 | 121,143.93 |
129 | 1,309.97 | 325.68 | 984.29 | 120,818.25 |
130 | 1,309.97 | 328.32 | 981.65 | 120,489.93 |
131 | 1,309.97 | 330.99 | 978.98 | 120,158.94 |
132 | 1,309.97 | 333.68 | 976.29 | 119,825.26 |
133 | 1,309.97 | 336.39 | 973.58 | 119,488.87 |
134 | 1,309.97 | 339.12 | 970.85 | 119,149.74 |
135 | 1,309.97 | 341.88 | 968.09 | 118,807.86 |
136 | 1,309.97 | 344.66 | 965.31 | 118,463.20 |
137 | 1,309.97 | 347.46 | 962.51 | 118,115.74 |
138 | 1,309.97 | 350.28 | 959.69 | 117,765.46 |
139 | 1,309.97 | 353.13 | 956.84 | 117,412.34 |
140 | 1,309.97 | 356.00 | 953.98 | 117,056.34 |
141 | 1,309.97 | 358.89 | 951.08 | 116,697.45 |
142 | 1,309.97 | 361.81 | 948.17 | 116,335.64 |
143 | 1,309.97 | 364.74 | 945.23 | 115,970.90 |
144 | 1,309.97 | 367.71 | 942.26 | 115,603.19 |
145 | 1,309.97 | 370.70 | 939.28 | 115,232.49 |
146 | 1,309.97 | 373.71 | 936.26 | 114,858.79 |
147 | 1,309.97 | 376.74 | 933.23 | 114,482.04 |
148 | 1,309.97 | 379.81 | 930.17 | 114,102.24 |
149 | 1,309.97 | 382.89 | 927.08 | 113,719.35 |
150 | 1,309.97 | 386.00 | 923.97 | 113,333.34 |
151 | 1,309.97 | 389.14 | 920.83 | 112,944.20 |
152 | 1,309.97 | 392.30 | 917.67 | 112,551.90 |
153 | 1,309.97 | 395.49 | 914.48 | 112,156.42 |
154 | 1,309.97 | 398.70 | 911.27 | 111,757.72 |
155 | 1,309.97 | 401.94 | 908.03 | 111,355.77 |
156 | 1,309.97 | 405.21 | 904.77 | 110,950.57 |
157 | 1,309.97 | 408.50 | 901.47 | 110,542.07 |
158 | 1,309.97 | 411.82 | 898.15 | 110,130.25 |
159 | 1,309.97 | 415.16 | 894.81 | 109,715.09 |
160 | 1,309.97 | 418.54 | 891.44 | 109,296.55 |
161 | 1,309.97 | 421.94 | 888.03 | 108,874.61 |
162 | 1,309.97 | 425.37 | 884.61 | 108,449.25 |
163 | 1,309.97 | 428.82 | 881.15 | 108,020.43 |
164 | 1,309.97 | 432.31 | 877.67 | 107,588.12 |
165 | 1,309.97 | 435.82 | 874.15 | 107,152.30 |
166 | 1,309.97 | 439.36 | 870.61 | 106,712.94 |
167 | 1,309.97 | 442.93 | 867.04 | 106,270.01 |
168 | 1,309.97 | 446.53 | 863.44 | 105,823.48 |
169 | 1,309.97 | 450.16 | 859.82 | 105,373.33 |
170 | 1,309.97 | 453.81 | 856.16 | 104,919.51 |
171 | 1,309.97 | 457.50 | 852.47 | 104,462.01 |
172 | 1,309.97 | 461.22 | 848.75 | 104,000.80 |
173 | 1,309.97 | 464.97 | 845.01 | 103,535.83 |
174 | 1,309.97 | 468.74 | 841.23 | 103,067.09 |
175 | 1,309.97 | 472.55 | 837.42 | 102,594.53 |
176 | 1,309.97 | 476.39 | 833.58 | 102,118.14 |
177 | 1,309.97 | 480.26 | 829.71 | 101,637.88 |
178 | 1,309.97 | 484.16 | 825.81 | 101,153.72 |
179 | 1,309.97 | 488.10 | 821.87 | 100,665.62 |
180 | 1,309.97 | 492.06 | 817.91 | 100,173.56 |
181 | 1,309.97 | 496.06 | 813.91 | 99,677.49 |
182 | 1,309.97 | 500.09 | 809.88 | 99,177.40 |
183 | 1,309.97 | 504.16 | 805.82 | 98,673.25 |
184 | 1,309.97 | 508.25 | 801.72 | 98,164.99 |
185 | 1,309.97 | 512.38 | 797.59 | 97,652.61 |
186 | 1,309.97 | 516.54 | 793.43 | 97,136.07 |
187 | 1,309.97 | 520.74 | 789.23 | 96,615.33 |
188 | 1,309.97 | 524.97 | 785.00 | 96,090.35 |
189 | 1,309.97 | 529.24 | 780.73 | 95,561.12 |
190 | 1,309.97 | 533.54 | 776.43 | 95,027.58 |
191 | 1,309.97 | 537.87 | 772.10 | 94,489.70 |
192 | 1,309.97 | 542.24 | 767.73 | 93,947.46 |
193 | 1,309.97 | 546.65 | 763.32 | 93,400.81 |
194 | 1,309.97 | 551.09 | 758.88 | 92,849.72 |
195 | 1,309.97 | 555.57 | 754.40 | 92,294.15 |
196 | 1,309.97 | 560.08 | 749.89 | 91,734.07 |
197 | 1,309.97 | 564.63 | 745.34 | 91,169.44 |
198 | 1,309.97 | 569.22 | 740.75 | 90,600.22 |
199 | 1,309.97 | 573.85 | 736.13 | 90,026.37 |
200 | 1,309.97 | 578.51 | 731.46 | 89,447.87 |
201 | 1,309.97 | 583.21 | 726.76 | 88,864.66 |
202 | 1,309.97 | 587.95 | 722.03 | 88,276.71 |
203 | 1,309.97 | 592.72 | 717.25 | 87,683.99 |
204 | 1,309.97 | 597.54 | 712.43 | 87,086.45 |
205 | 1,309.97 | 602.39 | 707.58 | 86,484.05 |
206 | 1,309.97 | 607.29 | 702.68 | 85,876.76 |
207 | 1,309.97 | 612.22 | 697.75 | 85,264.54 |
208 | 1,309.97 | 617.20 | 692.77 | 84,647.34 |
209 | 1,309.97 | 622.21 | 687.76 | 84,025.13 |
210 | 1,309.97 | 627.27 | 682.70 | 83,397.86 |
211 | 1,309.97 | 632.36 | 677.61 | 82,765.50 |
212 | 1,309.97 | 637.50 | 672.47 | 82,128.00 |
213 | 1,309.97 | 642.68 | 667.29 | 81,485.31 |
214 | 1,309.97 | 647.90 | 662.07 | 80,837.41 |
215 | 1,309.97 | 653.17 | 656.80 | 80,184.24 |
216 | 1,309.97 | 658.48 | 651.50 | 79,525.77 |
217 | 1,309.97 | 663.83 | 646.15 | 78,861.94 |
218 | 1,309.97 | 669.22 | 640.75 | 78,192.72 |
219 | 1,309.97 | 674.66 | 635.32 | 77,518.07 |
220 | 1,309.97 | 680.14 | 629.83 | 76,837.93 |
221 | 1,309.97 | 685.66 | 624.31 | 76,152.27 |
222 | 1,309.97 | 691.23 | 618.74 | 75,461.03 |
223 | 1,309.97 | 696.85 | 613.12 | 74,764.18 |
224 | 1,309.97 | 702.51 | 607.46 | 74,061.67 |
225 | 1,309.97 | 708.22 | 601.75 | 73,353.45 |
226 | 1,309.97 | 713.98 | 596.00 | 72,639.47 |
227 | 1,309.97 | 719.78 | 590.20 | 71,919.69 |
228 | 1,309.97 | 725.62 | 584.35 | 71,194.07 |
229 | 1,309.97 | 731.52 | 578.45 | 70,462.55 |
230 | 1,309.97 | 737.46 | 572.51 | 69,725.09 |
231 | 1,309.97 | 743.46 | 566.52 | 68,981.63 |
232 | 1,309.97 | 749.50 | 560.48 | 68,232.13 |
233 | 1,309.97 | 755.59 | 554.39 | 67,476.55 |
234 | 1,309.97 | 761.73 | 548.25 | 66,714.82 |
235 | 1,309.97 | 767.91 | 542.06 | 65,946.91 |
236 | 1,309.97 | 774.15 | 535.82 | 65,172.76 |
237 | 1,309.97 | 780.44 | 529.53 | 64,392.31 |
238 | 1,309.97 | 786.78 | 523.19 | 63,605.53 |
239 | 1,309.97 | 793.18 | 516.79 | 62,812.35 |
240 | 1,309.97 | 799.62 | 510.35 | 62,012.73 |
241 | 1,309.97 | 806.12 | 503.85 | 61,206.61 |
242 | 1,309.97 | 812.67 | 497.30 | 60,393.94 |
243 | 1,309.97 | 819.27 | 490.70 | 59,574.67 |
244 | 1,309.97 | 825.93 | 484.04 | 58,748.74 |
245 | 1,309.97 | 832.64 | 477.33 | 57,916.11 |
246 | 1,309.97 | 839.40 | 470.57 | 57,076.70 |
247 | 1,309.97 | 846.22 | 463.75 | 56,230.48 |
248 | 1,309.97 | 853.10 | 456.87 | 55,377.38 |
249 | 1,309.97 | 860.03 | 449.94 | 54,517.35 |
250 | 1,309.97 | 867.02 | 442.95 | 53,650.33 |
251 | 1,309.97 | 874.06 | 435.91 | 52,776.27 |
252 | 1,309.97 | 881.16 | 428.81 | 51,895.10 |
253 | 1,309.97 | 888.32 | 421.65 | 51,006.78 |
254 | 1,309.97 | 895.54 | 414.43 | 50,111.23 |
255 | 1,309.97 | 902.82 | 407.15 | 49,208.42 |
256 | 1,309.97 | 910.15 | 399.82 | 48,298.26 |
257 | 1,309.97 | 917.55 | 392.42 | 47,380.71 |
258 | 1,309.97 | 925.00 | 384.97 | 46,455.71 |
259 | 1,309.97 | 932.52 | 377.45 | 45,523.19 |
260 | 1,309.97 | 940.10 | 369.88 | 44,583.10 |
261 | 1,309.97 | 947.73 | 362.24 | 43,635.36 |
262 | 1,309.97 | 955.43 | 354.54 | 42,679.93 |
263 | 1,309.97 | 963.20 | 346.77 | 41,716.73 |
264 | 1,309.97 | 971.02 | 338.95 | 40,745.70 |
265 | 1,309.97 | 978.91 | 331.06 | 39,766.79 |
266 | 1,309.97 | 986.87 | 323.11 | 38,779.92 |
267 | 1,309.97 | 994.89 | 315.09 | 37,785.04 |
268 | 1,309.97 | 1,002.97 | 307.00 | 36,782.07 |
269 | 1,309.97 | 1,011.12 | 298.85 | 35,770.95 |
270 | 1,309.97 | 1,019.33 | 290.64 | 34,751.62 |
271 | 1,309.97 | 1,027.62 | 282.36 | 33,724.01 |
272 | 1,309.97 | 1,035.96 | 274.01 | 32,688.04 |
273 | 1,309.97 | 1,044.38 | 265.59 | 31,643.66 |
274 | 1,309.97 | 1,052.87 | 257.10 | 30,590.79 |
275 | 1,309.97 | 1,061.42 | 248.55 | 29,529.37 |
276 | 1,309.97 | 1,070.05 | 239.93 | 28,459.32 |
277 | 1,309.97 | 1,078.74 | 231.23 | 27,380.58 |
278 | 1,309.97 | 1,087.50 | 222.47 | 26,293.08 |
279 | 1,309.97 | 1,096.34 | 213.63 | 25,196.74 |
280 | 1,309.97 | 1,105.25 | 204.72 | 24,091.49 |
281 | 1,309.97 | 1,114.23 | 195.74 | 22,977.26 |
282 | 1,309.97 | 1,123.28 | 186.69 | 21,853.98 |
283 | 1,309.97 | 1,132.41 | 177.56 | 20,721.57 |
284 | 1,309.97 | 1,141.61 | 168.36 | 19,579.96 |
285 | 1,309.97 | 1,150.88 | 159.09 | 18,429.08 |
286 | 1,309.97 | 1,160.24 | 149.74 | 17,268.84 |
287 | 1,309.97 | 1,169.66 | 140.31 | 16,099.18 |
288 | 1,309.97 | 1,179.17 | 130.81 | 14,920.01 |
289 | 1,309.97 | 1,188.75 | 121.23 | 13,731.27 |
290 | 1,309.97 | 1,198.41 | 111.57 | 12,532.86 |
291 | 1,309.97 | 1,208.14 | 101.83 | 11,324.72 |
292 | 1,309.97 | 1,217.96 | 92.01 | 10,106.76 |
293 | 1,309.97 | 1,227.85 | 82.12 | 8,878.90 |
294 | 1,309.97 | 1,237.83 | 72.14 | 7,641.07 |
295 | 1,309.97 | 1,247.89 | 62.08 | 6,393.19 |
296 | 1,309.97 | 1,258.03 | 51.94 | 5,135.16 |
297 | 1,309.97 | 1,268.25 | 41.72 | 3,866.91 |
298 | 1,309.97 | 1,278.55 | 31.42 | 2,588.36 |
299 | 1,309.97 | 1,288.94 | 21.03 | 1,299.41 |
300 | 1,309.97 | 1,299.41 | 10.56 | 0.00 |