Mortgage Loan of $311,000 for 25 Years at 3.90%
What's the payment on a 25 year home loan for $311k at 3.90% interest?
Results
Monthly payment: $1,624.45
$19,493 per year
What's the monthly payment? Use the loan payment schedule below to view payments each month based on a fixed rate $311k 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 311,000 loan for 25 years at 3.90 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 | 1,624.45 | 613.70 | 1,010.75 | 310,386.30 |
2 | 1,624.45 | 615.69 | 1,008.76 | 309,770.61 |
3 | 1,624.45 | 617.69 | 1,006.75 | 309,152.91 |
4 | 1,624.45 | 619.70 | 1,004.75 | 308,533.21 |
5 | 1,624.45 | 621.72 | 1,002.73 | 307,911.49 |
6 | 1,624.45 | 623.74 | 1,000.71 | 307,287.76 |
7 | 1,624.45 | 625.76 | 998.69 | 306,661.99 |
8 | 1,624.45 | 627.80 | 996.65 | 306,034.19 |
9 | 1,624.45 | 629.84 | 994.61 | 305,404.36 |
10 | 1,624.45 | 631.89 | 992.56 | 304,772.47 |
11 | 1,624.45 | 633.94 | 990.51 | 304,138.53 |
12 | 1,624.45 | 636.00 | 988.45 | 303,502.53 |
13 | 1,624.45 | 638.07 | 986.38 | 302,864.47 |
14 | 1,624.45 | 640.14 | 984.31 | 302,224.33 |
15 | 1,624.45 | 642.22 | 982.23 | 301,582.11 |
16 | 1,624.45 | 644.31 | 980.14 | 300,937.80 |
17 | 1,624.45 | 646.40 | 978.05 | 300,291.40 |
18 | 1,624.45 | 648.50 | 975.95 | 299,642.90 |
19 | 1,624.45 | 650.61 | 973.84 | 298,992.29 |
20 | 1,624.45 | 652.72 | 971.72 | 298,339.56 |
21 | 1,624.45 | 654.85 | 969.60 | 297,684.72 |
22 | 1,624.45 | 656.97 | 967.48 | 297,027.74 |
23 | 1,624.45 | 659.11 | 965.34 | 296,368.63 |
24 | 1,624.45 | 661.25 | 963.20 | 295,707.38 |
25 | 1,624.45 | 663.40 | 961.05 | 295,043.98 |
26 | 1,624.45 | 665.56 | 958.89 | 294,378.42 |
27 | 1,624.45 | 667.72 | 956.73 | 293,710.70 |
28 | 1,624.45 | 669.89 | 954.56 | 293,040.82 |
29 | 1,624.45 | 672.07 | 952.38 | 292,368.75 |
30 | 1,624.45 | 674.25 | 950.20 | 291,694.50 |
31 | 1,624.45 | 676.44 | 948.01 | 291,018.06 |
32 | 1,624.45 | 678.64 | 945.81 | 290,339.41 |
33 | 1,624.45 | 680.85 | 943.60 | 289,658.57 |
34 | 1,624.45 | 683.06 | 941.39 | 288,975.51 |
35 | 1,624.45 | 685.28 | 939.17 | 288,290.23 |
36 | 1,624.45 | 687.51 | 936.94 | 287,602.72 |
37 | 1,624.45 | 689.74 | 934.71 | 286,912.98 |
38 | 1,624.45 | 691.98 | 932.47 | 286,221.00 |
39 | 1,624.45 | 694.23 | 930.22 | 285,526.77 |
40 | 1,624.45 | 696.49 | 927.96 | 284,830.28 |
41 | 1,624.45 | 698.75 | 925.70 | 284,131.53 |
42 | 1,624.45 | 701.02 | 923.43 | 283,430.51 |
43 | 1,624.45 | 703.30 | 921.15 | 282,727.21 |
44 | 1,624.45 | 705.59 | 918.86 | 282,021.62 |
45 | 1,624.45 | 707.88 | 916.57 | 281,313.75 |
46 | 1,624.45 | 710.18 | 914.27 | 280,603.57 |
47 | 1,624.45 | 712.49 | 911.96 | 279,891.08 |
48 | 1,624.45 | 714.80 | 909.65 | 279,176.28 |
49 | 1,624.45 | 717.13 | 907.32 | 278,459.15 |
50 | 1,624.45 | 719.46 | 904.99 | 277,739.69 |
51 | 1,624.45 | 721.80 | 902.65 | 277,017.90 |
52 | 1,624.45 | 724.14 | 900.31 | 276,293.76 |
53 | 1,624.45 | 726.49 | 897.95 | 275,567.26 |
54 | 1,624.45 | 728.86 | 895.59 | 274,838.40 |
55 | 1,624.45 | 731.22 | 893.22 | 274,107.18 |
56 | 1,624.45 | 733.60 | 890.85 | 273,373.58 |
57 | 1,624.45 | 735.99 | 888.46 | 272,637.59 |
58 | 1,624.45 | 738.38 | 886.07 | 271,899.22 |
59 | 1,624.45 | 740.78 | 883.67 | 271,158.44 |
60 | 1,624.45 | 743.18 | 881.26 | 270,415.26 |
61 | 1,624.45 | 745.60 | 878.85 | 269,669.66 |
62 | 1,624.45 | 748.02 | 876.43 | 268,921.63 |
63 | 1,624.45 | 750.45 | 874.00 | 268,171.18 |
64 | 1,624.45 | 752.89 | 871.56 | 267,418.29 |
65 | 1,624.45 | 755.34 | 869.11 | 266,662.95 |
66 | 1,624.45 | 757.79 | 866.65 | 265,905.15 |
67 | 1,624.45 | 760.26 | 864.19 | 265,144.89 |
68 | 1,624.45 | 762.73 | 861.72 | 264,382.17 |
69 | 1,624.45 | 765.21 | 859.24 | 263,616.96 |
70 | 1,624.45 | 767.69 | 856.76 | 262,849.26 |
71 | 1,624.45 | 770.19 | 854.26 | 262,079.07 |
72 | 1,624.45 | 772.69 | 851.76 | 261,306.38 |
73 | 1,624.45 | 775.20 | 849.25 | 260,531.18 |
74 | 1,624.45 | 777.72 | 846.73 | 259,753.46 |
75 | 1,624.45 | 780.25 | 844.20 | 258,973.21 |
76 | 1,624.45 | 782.79 | 841.66 | 258,190.42 |
77 | 1,624.45 | 785.33 | 839.12 | 257,405.09 |
78 | 1,624.45 | 787.88 | 836.57 | 256,617.21 |
79 | 1,624.45 | 790.44 | 834.01 | 255,826.76 |
80 | 1,624.45 | 793.01 | 831.44 | 255,033.75 |
81 | 1,624.45 | 795.59 | 828.86 | 254,238.16 |
82 | 1,624.45 | 798.18 | 826.27 | 253,439.98 |
83 | 1,624.45 | 800.77 | 823.68 | 252,639.22 |
84 | 1,624.45 | 803.37 | 821.08 | 251,835.84 |
85 | 1,624.45 | 805.98 | 818.47 | 251,029.86 |
86 | 1,624.45 | 808.60 | 815.85 | 250,221.26 |
87 | 1,624.45 | 811.23 | 813.22 | 249,410.03 |
88 | 1,624.45 | 813.87 | 810.58 | 248,596.16 |
89 | 1,624.45 | 816.51 | 807.94 | 247,779.65 |
90 | 1,624.45 | 819.17 | 805.28 | 246,960.48 |
91 | 1,624.45 | 821.83 | 802.62 | 246,138.66 |
92 | 1,624.45 | 824.50 | 799.95 | 245,314.16 |
93 | 1,624.45 | 827.18 | 797.27 | 244,486.98 |
94 | 1,624.45 | 829.87 | 794.58 | 243,657.11 |
95 | 1,624.45 | 832.56 | 791.89 | 242,824.55 |
96 | 1,624.45 | 835.27 | 789.18 | 241,989.28 |
97 | 1,624.45 | 837.98 | 786.47 | 241,151.30 |
98 | 1,624.45 | 840.71 | 783.74 | 240,310.59 |
99 | 1,624.45 | 843.44 | 781.01 | 239,467.15 |
100 | 1,624.45 | 846.18 | 778.27 | 238,620.97 |
101 | 1,624.45 | 848.93 | 775.52 | 237,772.04 |
102 | 1,624.45 | 851.69 | 772.76 | 236,920.35 |
103 | 1,624.45 | 854.46 | 769.99 | 236,065.89 |
104 | 1,624.45 | 857.24 | 767.21 | 235,208.65 |
105 | 1,624.45 | 860.02 | 764.43 | 234,348.63 |
106 | 1,624.45 | 862.82 | 761.63 | 233,485.81 |
107 | 1,624.45 | 865.62 | 758.83 | 232,620.19 |
108 | 1,624.45 | 868.43 | 756.02 | 231,751.76 |
109 | 1,624.45 | 871.26 | 753.19 | 230,880.50 |
110 | 1,624.45 | 874.09 | 750.36 | 230,006.42 |
111 | 1,624.45 | 876.93 | 747.52 | 229,129.49 |
112 | 1,624.45 | 879.78 | 744.67 | 228,249.71 |
113 | 1,624.45 | 882.64 | 741.81 | 227,367.07 |
114 | 1,624.45 | 885.51 | 738.94 | 226,481.57 |
115 | 1,624.45 | 888.38 | 736.07 | 225,593.18 |
116 | 1,624.45 | 891.27 | 733.18 | 224,701.91 |
117 | 1,624.45 | 894.17 | 730.28 | 223,807.74 |
118 | 1,624.45 | 897.07 | 727.38 | 222,910.67 |
119 | 1,624.45 | 899.99 | 724.46 | 222,010.68 |
120 | 1,624.45 | 902.91 | 721.53 | 221,107.76 |
121 | 1,624.45 | 905.85 | 718.60 | 220,201.91 |
122 | 1,624.45 | 908.79 | 715.66 | 219,293.12 |
123 | 1,624.45 | 911.75 | 712.70 | 218,381.37 |
124 | 1,624.45 | 914.71 | 709.74 | 217,466.66 |
125 | 1,624.45 | 917.68 | 706.77 | 216,548.98 |
126 | 1,624.45 | 920.67 | 703.78 | 215,628.32 |
127 | 1,624.45 | 923.66 | 700.79 | 214,704.66 |
128 | 1,624.45 | 926.66 | 697.79 | 213,778.00 |
129 | 1,624.45 | 929.67 | 694.78 | 212,848.33 |
130 | 1,624.45 | 932.69 | 691.76 | 211,915.64 |
131 | 1,624.45 | 935.72 | 688.73 | 210,979.91 |
132 | 1,624.45 | 938.76 | 685.68 | 210,041.15 |
133 | 1,624.45 | 941.82 | 682.63 | 209,099.33 |
134 | 1,624.45 | 944.88 | 679.57 | 208,154.46 |
135 | 1,624.45 | 947.95 | 676.50 | 207,206.51 |
136 | 1,624.45 | 951.03 | 673.42 | 206,255.48 |
137 | 1,624.45 | 954.12 | 670.33 | 205,301.36 |
138 | 1,624.45 | 957.22 | 667.23 | 204,344.14 |
139 | 1,624.45 | 960.33 | 664.12 | 203,383.81 |
140 | 1,624.45 | 963.45 | 661.00 | 202,420.36 |
141 | 1,624.45 | 966.58 | 657.87 | 201,453.78 |
142 | 1,624.45 | 969.72 | 654.72 | 200,484.05 |
143 | 1,624.45 | 972.88 | 651.57 | 199,511.18 |
144 | 1,624.45 | 976.04 | 648.41 | 198,535.14 |
145 | 1,624.45 | 979.21 | 645.24 | 197,555.93 |
146 | 1,624.45 | 982.39 | 642.06 | 196,573.54 |
147 | 1,624.45 | 985.59 | 638.86 | 195,587.95 |
148 | 1,624.45 | 988.79 | 635.66 | 194,599.16 |
149 | 1,624.45 | 992.00 | 632.45 | 193,607.16 |
150 | 1,624.45 | 995.23 | 629.22 | 192,611.93 |
151 | 1,624.45 | 998.46 | 625.99 | 191,613.47 |
152 | 1,624.45 | 1,001.71 | 622.74 | 190,611.77 |
153 | 1,624.45 | 1,004.96 | 619.49 | 189,606.81 |
154 | 1,624.45 | 1,008.23 | 616.22 | 188,598.58 |
155 | 1,624.45 | 1,011.50 | 612.95 | 187,587.07 |
156 | 1,624.45 | 1,014.79 | 609.66 | 186,572.28 |
157 | 1,624.45 | 1,018.09 | 606.36 | 185,554.19 |
158 | 1,624.45 | 1,021.40 | 603.05 | 184,532.80 |
159 | 1,624.45 | 1,024.72 | 599.73 | 183,508.08 |
160 | 1,624.45 | 1,028.05 | 596.40 | 182,480.03 |
161 | 1,624.45 | 1,031.39 | 593.06 | 181,448.64 |
162 | 1,624.45 | 1,034.74 | 589.71 | 180,413.90 |
163 | 1,624.45 | 1,038.10 | 586.35 | 179,375.80 |
164 | 1,624.45 | 1,041.48 | 582.97 | 178,334.32 |
165 | 1,624.45 | 1,044.86 | 579.59 | 177,289.45 |
166 | 1,624.45 | 1,048.26 | 576.19 | 176,241.20 |
167 | 1,624.45 | 1,051.67 | 572.78 | 175,189.53 |
168 | 1,624.45 | 1,055.08 | 569.37 | 174,134.45 |
169 | 1,624.45 | 1,058.51 | 565.94 | 173,075.93 |
170 | 1,624.45 | 1,061.95 | 562.50 | 172,013.98 |
171 | 1,624.45 | 1,065.40 | 559.05 | 170,948.58 |
172 | 1,624.45 | 1,068.87 | 555.58 | 169,879.71 |
173 | 1,624.45 | 1,072.34 | 552.11 | 168,807.37 |
174 | 1,624.45 | 1,075.83 | 548.62 | 167,731.55 |
175 | 1,624.45 | 1,079.32 | 545.13 | 166,652.22 |
176 | 1,624.45 | 1,082.83 | 541.62 | 165,569.39 |
177 | 1,624.45 | 1,086.35 | 538.10 | 164,483.05 |
178 | 1,624.45 | 1,089.88 | 534.57 | 163,393.17 |
179 | 1,624.45 | 1,093.42 | 531.03 | 162,299.75 |
180 | 1,624.45 | 1,096.98 | 527.47 | 161,202.77 |
181 | 1,624.45 | 1,100.54 | 523.91 | 160,102.23 |
182 | 1,624.45 | 1,104.12 | 520.33 | 158,998.11 |
183 | 1,624.45 | 1,107.71 | 516.74 | 157,890.41 |
184 | 1,624.45 | 1,111.31 | 513.14 | 156,779.10 |
185 | 1,624.45 | 1,114.92 | 509.53 | 155,664.18 |
186 | 1,624.45 | 1,118.54 | 505.91 | 154,545.64 |
187 | 1,624.45 | 1,122.18 | 502.27 | 153,423.47 |
188 | 1,624.45 | 1,125.82 | 498.63 | 152,297.64 |
189 | 1,624.45 | 1,129.48 | 494.97 | 151,168.16 |
190 | 1,624.45 | 1,133.15 | 491.30 | 150,035.01 |
191 | 1,624.45 | 1,136.84 | 487.61 | 148,898.17 |
192 | 1,624.45 | 1,140.53 | 483.92 | 147,757.64 |
193 | 1,624.45 | 1,144.24 | 480.21 | 146,613.41 |
194 | 1,624.45 | 1,147.96 | 476.49 | 145,465.45 |
195 | 1,624.45 | 1,151.69 | 472.76 | 144,313.76 |
196 | 1,624.45 | 1,155.43 | 469.02 | 143,158.34 |
197 | 1,624.45 | 1,159.18 | 465.26 | 141,999.15 |
198 | 1,624.45 | 1,162.95 | 461.50 | 140,836.20 |
199 | 1,624.45 | 1,166.73 | 457.72 | 139,669.47 |
200 | 1,624.45 | 1,170.52 | 453.93 | 138,498.94 |
201 | 1,624.45 | 1,174.33 | 450.12 | 137,324.62 |
202 | 1,624.45 | 1,178.14 | 446.30 | 136,146.47 |
203 | 1,624.45 | 1,181.97 | 442.48 | 134,964.50 |
204 | 1,624.45 | 1,185.81 | 438.63 | 133,778.68 |
205 | 1,624.45 | 1,189.67 | 434.78 | 132,589.01 |
206 | 1,624.45 | 1,193.54 | 430.91 | 131,395.48 |
207 | 1,624.45 | 1,197.41 | 427.04 | 130,198.07 |
208 | 1,624.45 | 1,201.31 | 423.14 | 128,996.76 |
209 | 1,624.45 | 1,205.21 | 419.24 | 127,791.55 |
210 | 1,624.45 | 1,209.13 | 415.32 | 126,582.42 |
211 | 1,624.45 | 1,213.06 | 411.39 | 125,369.37 |
212 | 1,624.45 | 1,217.00 | 407.45 | 124,152.37 |
213 | 1,624.45 | 1,220.95 | 403.50 | 122,931.41 |
214 | 1,624.45 | 1,224.92 | 399.53 | 121,706.49 |
215 | 1,624.45 | 1,228.90 | 395.55 | 120,477.59 |
216 | 1,624.45 | 1,232.90 | 391.55 | 119,244.69 |
217 | 1,624.45 | 1,236.90 | 387.55 | 118,007.79 |
218 | 1,624.45 | 1,240.92 | 383.53 | 116,766.86 |
219 | 1,624.45 | 1,244.96 | 379.49 | 115,521.91 |
220 | 1,624.45 | 1,249.00 | 375.45 | 114,272.90 |
221 | 1,624.45 | 1,253.06 | 371.39 | 113,019.84 |
222 | 1,624.45 | 1,257.13 | 367.31 | 111,762.71 |
223 | 1,624.45 | 1,261.22 | 363.23 | 110,501.48 |
224 | 1,624.45 | 1,265.32 | 359.13 | 109,236.17 |
225 | 1,624.45 | 1,269.43 | 355.02 | 107,966.73 |
226 | 1,624.45 | 1,273.56 | 350.89 | 106,693.18 |
227 | 1,624.45 | 1,277.70 | 346.75 | 105,415.48 |
228 | 1,624.45 | 1,281.85 | 342.60 | 104,133.63 |
229 | 1,624.45 | 1,286.02 | 338.43 | 102,847.62 |
230 | 1,624.45 | 1,290.19 | 334.25 | 101,557.42 |
231 | 1,624.45 | 1,294.39 | 330.06 | 100,263.03 |
232 | 1,624.45 | 1,298.59 | 325.85 | 98,964.44 |
233 | 1,624.45 | 1,302.81 | 321.63 | 97,661.62 |
234 | 1,624.45 | 1,307.05 | 317.40 | 96,354.58 |
235 | 1,624.45 | 1,311.30 | 313.15 | 95,043.28 |
236 | 1,624.45 | 1,315.56 | 308.89 | 93,727.72 |
237 | 1,624.45 | 1,319.83 | 304.62 | 92,407.89 |
238 | 1,624.45 | 1,324.12 | 300.33 | 91,083.76 |
239 | 1,624.45 | 1,328.43 | 296.02 | 89,755.33 |
240 | 1,624.45 | 1,332.74 | 291.70 | 88,422.59 |
241 | 1,624.45 | 1,337.08 | 287.37 | 87,085.51 |
242 | 1,624.45 | 1,341.42 | 283.03 | 85,744.09 |
243 | 1,624.45 | 1,345.78 | 278.67 | 84,398.31 |
244 | 1,624.45 | 1,350.15 | 274.29 | 83,048.16 |
245 | 1,624.45 | 1,354.54 | 269.91 | 81,693.61 |
246 | 1,624.45 | 1,358.95 | 265.50 | 80,334.67 |
247 | 1,624.45 | 1,363.36 | 261.09 | 78,971.31 |
248 | 1,624.45 | 1,367.79 | 256.66 | 77,603.51 |
249 | 1,624.45 | 1,372.24 | 252.21 | 76,231.28 |
250 | 1,624.45 | 1,376.70 | 247.75 | 74,854.58 |
251 | 1,624.45 | 1,381.17 | 243.28 | 73,473.41 |
252 | 1,624.45 | 1,385.66 | 238.79 | 72,087.75 |
253 | 1,624.45 | 1,390.16 | 234.29 | 70,697.58 |
254 | 1,624.45 | 1,394.68 | 229.77 | 69,302.90 |
255 | 1,624.45 | 1,399.21 | 225.23 | 67,903.69 |
256 | 1,624.45 | 1,403.76 | 220.69 | 66,499.92 |
257 | 1,624.45 | 1,408.32 | 216.12 | 65,091.60 |
258 | 1,624.45 | 1,412.90 | 211.55 | 63,678.70 |
259 | 1,624.45 | 1,417.49 | 206.96 | 62,261.20 |
260 | 1,624.45 | 1,422.10 | 202.35 | 60,839.10 |
261 | 1,624.45 | 1,426.72 | 197.73 | 59,412.38 |
262 | 1,624.45 | 1,431.36 | 193.09 | 57,981.02 |
263 | 1,624.45 | 1,436.01 | 188.44 | 56,545.01 |
264 | 1,624.45 | 1,440.68 | 183.77 | 55,104.33 |
265 | 1,624.45 | 1,445.36 | 179.09 | 53,658.97 |
266 | 1,624.45 | 1,450.06 | 174.39 | 52,208.91 |
267 | 1,624.45 | 1,454.77 | 169.68 | 50,754.14 |
268 | 1,624.45 | 1,459.50 | 164.95 | 49,294.65 |
269 | 1,624.45 | 1,464.24 | 160.21 | 47,830.40 |
270 | 1,624.45 | 1,469.00 | 155.45 | 46,361.40 |
271 | 1,624.45 | 1,473.77 | 150.67 | 44,887.63 |
272 | 1,624.45 | 1,478.56 | 145.88 | 43,409.06 |
273 | 1,624.45 | 1,483.37 | 141.08 | 41,925.69 |
274 | 1,624.45 | 1,488.19 | 136.26 | 40,437.50 |
275 | 1,624.45 | 1,493.03 | 131.42 | 38,944.48 |
276 | 1,624.45 | 1,497.88 | 126.57 | 37,446.60 |
277 | 1,624.45 | 1,502.75 | 121.70 | 35,943.85 |
278 | 1,624.45 | 1,507.63 | 116.82 | 34,436.22 |
279 | 1,624.45 | 1,512.53 | 111.92 | 32,923.68 |
280 | 1,624.45 | 1,517.45 | 107.00 | 31,406.24 |
281 | 1,624.45 | 1,522.38 | 102.07 | 29,883.86 |
282 | 1,624.45 | 1,527.33 | 97.12 | 28,356.53 |
283 | 1,624.45 | 1,532.29 | 92.16 | 26,824.24 |
284 | 1,624.45 | 1,537.27 | 87.18 | 25,286.97 |
285 | 1,624.45 | 1,542.27 | 82.18 | 23,744.70 |
286 | 1,624.45 | 1,547.28 | 77.17 | 22,197.42 |
287 | 1,624.45 | 1,552.31 | 72.14 | 20,645.12 |
288 | 1,624.45 | 1,557.35 | 67.10 | 19,087.76 |
289 | 1,624.45 | 1,562.41 | 62.04 | 17,525.35 |
290 | 1,624.45 | 1,567.49 | 56.96 | 15,957.86 |
291 | 1,624.45 | 1,572.59 | 51.86 | 14,385.27 |
292 | 1,624.45 | 1,577.70 | 46.75 | 12,807.57 |
293 | 1,624.45 | 1,582.82 | 41.62 | 11,224.75 |
294 | 1,624.45 | 1,587.97 | 36.48 | 9,636.78 |
295 | 1,624.45 | 1,593.13 | 31.32 | 8,043.65 |
296 | 1,624.45 | 1,598.31 | 26.14 | 6,445.34 |
297 | 1,624.45 | 1,603.50 | 20.95 | 4,841.84 |
298 | 1,624.45 | 1,608.71 | 15.74 | 3,233.13 |
299 | 1,624.45 | 1,613.94 | 10.51 | 1,619.19 |
300 | 1,624.45 | 1,619.19 | 5.26 | 0.00 |