Mortgage Loan of $314,000 for 25 Years at 3.45%
What's the payment on a 25 year home loan for $314k at 3.45% interest?
Results
Monthly payment: $1,563.55
$18,763 per year
What's the monthly payment? Use the loan payment schedule below to view payments each month based on a fixed rate $314k 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 314,000 loan for 25 years at 3.45 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 | 1,563.55 | 660.80 | 902.75 | 313,339.20 |
2 | 1,563.55 | 662.70 | 900.85 | 312,676.50 |
3 | 1,563.55 | 664.61 | 898.94 | 312,011.89 |
4 | 1,563.55 | 666.52 | 897.03 | 311,345.38 |
5 | 1,563.55 | 668.43 | 895.12 | 310,676.94 |
6 | 1,563.55 | 670.35 | 893.20 | 310,006.59 |
7 | 1,563.55 | 672.28 | 891.27 | 309,334.31 |
8 | 1,563.55 | 674.21 | 889.34 | 308,660.09 |
9 | 1,563.55 | 676.15 | 887.40 | 307,983.94 |
10 | 1,563.55 | 678.10 | 885.45 | 307,305.85 |
11 | 1,563.55 | 680.05 | 883.50 | 306,625.80 |
12 | 1,563.55 | 682.00 | 881.55 | 305,943.80 |
13 | 1,563.55 | 683.96 | 879.59 | 305,259.84 |
14 | 1,563.55 | 685.93 | 877.62 | 304,573.91 |
15 | 1,563.55 | 687.90 | 875.65 | 303,886.01 |
16 | 1,563.55 | 689.88 | 873.67 | 303,196.13 |
17 | 1,563.55 | 691.86 | 871.69 | 302,504.27 |
18 | 1,563.55 | 693.85 | 869.70 | 301,810.42 |
19 | 1,563.55 | 695.85 | 867.70 | 301,114.57 |
20 | 1,563.55 | 697.85 | 865.70 | 300,416.73 |
21 | 1,563.55 | 699.85 | 863.70 | 299,716.87 |
22 | 1,563.55 | 701.86 | 861.69 | 299,015.01 |
23 | 1,563.55 | 703.88 | 859.67 | 298,311.13 |
24 | 1,563.55 | 705.91 | 857.64 | 297,605.22 |
25 | 1,563.55 | 707.94 | 855.62 | 296,897.28 |
26 | 1,563.55 | 709.97 | 853.58 | 296,187.31 |
27 | 1,563.55 | 712.01 | 851.54 | 295,475.30 |
28 | 1,563.55 | 714.06 | 849.49 | 294,761.24 |
29 | 1,563.55 | 716.11 | 847.44 | 294,045.13 |
30 | 1,563.55 | 718.17 | 845.38 | 293,326.96 |
31 | 1,563.55 | 720.24 | 843.32 | 292,606.72 |
32 | 1,563.55 | 722.31 | 841.24 | 291,884.42 |
33 | 1,563.55 | 724.38 | 839.17 | 291,160.04 |
34 | 1,563.55 | 726.47 | 837.09 | 290,433.57 |
35 | 1,563.55 | 728.55 | 835.00 | 289,705.02 |
36 | 1,563.55 | 730.65 | 832.90 | 288,974.37 |
37 | 1,563.55 | 732.75 | 830.80 | 288,241.62 |
38 | 1,563.55 | 734.86 | 828.69 | 287,506.76 |
39 | 1,563.55 | 736.97 | 826.58 | 286,769.79 |
40 | 1,563.55 | 739.09 | 824.46 | 286,030.71 |
41 | 1,563.55 | 741.21 | 822.34 | 285,289.50 |
42 | 1,563.55 | 743.34 | 820.21 | 284,546.15 |
43 | 1,563.55 | 745.48 | 818.07 | 283,800.67 |
44 | 1,563.55 | 747.62 | 815.93 | 283,053.05 |
45 | 1,563.55 | 749.77 | 813.78 | 282,303.28 |
46 | 1,563.55 | 751.93 | 811.62 | 281,551.35 |
47 | 1,563.55 | 754.09 | 809.46 | 280,797.26 |
48 | 1,563.55 | 756.26 | 807.29 | 280,041.00 |
49 | 1,563.55 | 758.43 | 805.12 | 279,282.57 |
50 | 1,563.55 | 760.61 | 802.94 | 278,521.95 |
51 | 1,563.55 | 762.80 | 800.75 | 277,759.15 |
52 | 1,563.55 | 764.99 | 798.56 | 276,994.16 |
53 | 1,563.55 | 767.19 | 796.36 | 276,226.97 |
54 | 1,563.55 | 769.40 | 794.15 | 275,457.57 |
55 | 1,563.55 | 771.61 | 791.94 | 274,685.96 |
56 | 1,563.55 | 773.83 | 789.72 | 273,912.13 |
57 | 1,563.55 | 776.05 | 787.50 | 273,136.08 |
58 | 1,563.55 | 778.28 | 785.27 | 272,357.79 |
59 | 1,563.55 | 780.52 | 783.03 | 271,577.27 |
60 | 1,563.55 | 782.77 | 780.78 | 270,794.51 |
61 | 1,563.55 | 785.02 | 778.53 | 270,009.49 |
62 | 1,563.55 | 787.27 | 776.28 | 269,222.22 |
63 | 1,563.55 | 789.54 | 774.01 | 268,432.68 |
64 | 1,563.55 | 791.81 | 771.74 | 267,640.87 |
65 | 1,563.55 | 794.08 | 769.47 | 266,846.79 |
66 | 1,563.55 | 796.37 | 767.18 | 266,050.42 |
67 | 1,563.55 | 798.66 | 764.89 | 265,251.77 |
68 | 1,563.55 | 800.95 | 762.60 | 264,450.82 |
69 | 1,563.55 | 803.25 | 760.30 | 263,647.56 |
70 | 1,563.55 | 805.56 | 757.99 | 262,842.00 |
71 | 1,563.55 | 807.88 | 755.67 | 262,034.12 |
72 | 1,563.55 | 810.20 | 753.35 | 261,223.92 |
73 | 1,563.55 | 812.53 | 751.02 | 260,411.39 |
74 | 1,563.55 | 814.87 | 748.68 | 259,596.52 |
75 | 1,563.55 | 817.21 | 746.34 | 258,779.31 |
76 | 1,563.55 | 819.56 | 743.99 | 257,959.75 |
77 | 1,563.55 | 821.92 | 741.63 | 257,137.83 |
78 | 1,563.55 | 824.28 | 739.27 | 256,313.55 |
79 | 1,563.55 | 826.65 | 736.90 | 255,486.90 |
80 | 1,563.55 | 829.03 | 734.52 | 254,657.88 |
81 | 1,563.55 | 831.41 | 732.14 | 253,826.47 |
82 | 1,563.55 | 833.80 | 729.75 | 252,992.67 |
83 | 1,563.55 | 836.20 | 727.35 | 252,156.47 |
84 | 1,563.55 | 838.60 | 724.95 | 251,317.87 |
85 | 1,563.55 | 841.01 | 722.54 | 250,476.86 |
86 | 1,563.55 | 843.43 | 720.12 | 249,633.43 |
87 | 1,563.55 | 845.85 | 717.70 | 248,787.58 |
88 | 1,563.55 | 848.29 | 715.26 | 247,939.29 |
89 | 1,563.55 | 850.73 | 712.83 | 247,088.57 |
90 | 1,563.55 | 853.17 | 710.38 | 246,235.39 |
91 | 1,563.55 | 855.62 | 707.93 | 245,379.77 |
92 | 1,563.55 | 858.08 | 705.47 | 244,521.69 |
93 | 1,563.55 | 860.55 | 703.00 | 243,661.14 |
94 | 1,563.55 | 863.02 | 700.53 | 242,798.11 |
95 | 1,563.55 | 865.51 | 698.04 | 241,932.61 |
96 | 1,563.55 | 867.99 | 695.56 | 241,064.61 |
97 | 1,563.55 | 870.49 | 693.06 | 240,194.12 |
98 | 1,563.55 | 872.99 | 690.56 | 239,321.13 |
99 | 1,563.55 | 875.50 | 688.05 | 238,445.63 |
100 | 1,563.55 | 878.02 | 685.53 | 237,567.61 |
101 | 1,563.55 | 880.54 | 683.01 | 236,687.06 |
102 | 1,563.55 | 883.08 | 680.48 | 235,803.99 |
103 | 1,563.55 | 885.61 | 677.94 | 234,918.38 |
104 | 1,563.55 | 888.16 | 675.39 | 234,030.22 |
105 | 1,563.55 | 890.71 | 672.84 | 233,139.50 |
106 | 1,563.55 | 893.27 | 670.28 | 232,246.23 |
107 | 1,563.55 | 895.84 | 667.71 | 231,350.38 |
108 | 1,563.55 | 898.42 | 665.13 | 230,451.97 |
109 | 1,563.55 | 901.00 | 662.55 | 229,550.97 |
110 | 1,563.55 | 903.59 | 659.96 | 228,647.37 |
111 | 1,563.55 | 906.19 | 657.36 | 227,741.18 |
112 | 1,563.55 | 908.79 | 654.76 | 226,832.39 |
113 | 1,563.55 | 911.41 | 652.14 | 225,920.98 |
114 | 1,563.55 | 914.03 | 649.52 | 225,006.96 |
115 | 1,563.55 | 916.66 | 646.89 | 224,090.30 |
116 | 1,563.55 | 919.29 | 644.26 | 223,171.01 |
117 | 1,563.55 | 921.93 | 641.62 | 222,249.07 |
118 | 1,563.55 | 924.58 | 638.97 | 221,324.49 |
119 | 1,563.55 | 927.24 | 636.31 | 220,397.25 |
120 | 1,563.55 | 929.91 | 633.64 | 219,467.34 |
121 | 1,563.55 | 932.58 | 630.97 | 218,534.76 |
122 | 1,563.55 | 935.26 | 628.29 | 217,599.49 |
123 | 1,563.55 | 937.95 | 625.60 | 216,661.54 |
124 | 1,563.55 | 940.65 | 622.90 | 215,720.89 |
125 | 1,563.55 | 943.35 | 620.20 | 214,777.54 |
126 | 1,563.55 | 946.07 | 617.49 | 213,831.48 |
127 | 1,563.55 | 948.78 | 614.77 | 212,882.69 |
128 | 1,563.55 | 951.51 | 612.04 | 211,931.18 |
129 | 1,563.55 | 954.25 | 609.30 | 210,976.93 |
130 | 1,563.55 | 956.99 | 606.56 | 210,019.94 |
131 | 1,563.55 | 959.74 | 603.81 | 209,060.20 |
132 | 1,563.55 | 962.50 | 601.05 | 208,097.69 |
133 | 1,563.55 | 965.27 | 598.28 | 207,132.42 |
134 | 1,563.55 | 968.04 | 595.51 | 206,164.38 |
135 | 1,563.55 | 970.83 | 592.72 | 205,193.55 |
136 | 1,563.55 | 973.62 | 589.93 | 204,219.93 |
137 | 1,563.55 | 976.42 | 587.13 | 203,243.51 |
138 | 1,563.55 | 979.23 | 584.33 | 202,264.29 |
139 | 1,563.55 | 982.04 | 581.51 | 201,282.25 |
140 | 1,563.55 | 984.86 | 578.69 | 200,297.38 |
141 | 1,563.55 | 987.70 | 575.85 | 199,309.69 |
142 | 1,563.55 | 990.54 | 573.02 | 198,319.15 |
143 | 1,563.55 | 993.38 | 570.17 | 197,325.77 |
144 | 1,563.55 | 996.24 | 567.31 | 196,329.53 |
145 | 1,563.55 | 999.10 | 564.45 | 195,330.43 |
146 | 1,563.55 | 1,001.98 | 561.57 | 194,328.45 |
147 | 1,563.55 | 1,004.86 | 558.69 | 193,323.60 |
148 | 1,563.55 | 1,007.75 | 555.81 | 192,315.85 |
149 | 1,563.55 | 1,010.64 | 552.91 | 191,305.21 |
150 | 1,563.55 | 1,013.55 | 550.00 | 190,291.66 |
151 | 1,563.55 | 1,016.46 | 547.09 | 189,275.20 |
152 | 1,563.55 | 1,019.38 | 544.17 | 188,255.81 |
153 | 1,563.55 | 1,022.31 | 541.24 | 187,233.50 |
154 | 1,563.55 | 1,025.25 | 538.30 | 186,208.25 |
155 | 1,563.55 | 1,028.20 | 535.35 | 185,180.04 |
156 | 1,563.55 | 1,031.16 | 532.39 | 184,148.89 |
157 | 1,563.55 | 1,034.12 | 529.43 | 183,114.76 |
158 | 1,563.55 | 1,037.10 | 526.45 | 182,077.67 |
159 | 1,563.55 | 1,040.08 | 523.47 | 181,037.59 |
160 | 1,563.55 | 1,043.07 | 520.48 | 179,994.52 |
161 | 1,563.55 | 1,046.07 | 517.48 | 178,948.46 |
162 | 1,563.55 | 1,049.07 | 514.48 | 177,899.38 |
163 | 1,563.55 | 1,052.09 | 511.46 | 176,847.29 |
164 | 1,563.55 | 1,055.11 | 508.44 | 175,792.18 |
165 | 1,563.55 | 1,058.15 | 505.40 | 174,734.03 |
166 | 1,563.55 | 1,061.19 | 502.36 | 173,672.84 |
167 | 1,563.55 | 1,064.24 | 499.31 | 172,608.60 |
168 | 1,563.55 | 1,067.30 | 496.25 | 171,541.30 |
169 | 1,563.55 | 1,070.37 | 493.18 | 170,470.93 |
170 | 1,563.55 | 1,073.45 | 490.10 | 169,397.48 |
171 | 1,563.55 | 1,076.53 | 487.02 | 168,320.95 |
172 | 1,563.55 | 1,079.63 | 483.92 | 167,241.32 |
173 | 1,563.55 | 1,082.73 | 480.82 | 166,158.59 |
174 | 1,563.55 | 1,085.84 | 477.71 | 165,072.75 |
175 | 1,563.55 | 1,088.97 | 474.58 | 163,983.78 |
176 | 1,563.55 | 1,092.10 | 471.45 | 162,891.68 |
177 | 1,563.55 | 1,095.24 | 468.31 | 161,796.45 |
178 | 1,563.55 | 1,098.39 | 465.16 | 160,698.06 |
179 | 1,563.55 | 1,101.54 | 462.01 | 159,596.52 |
180 | 1,563.55 | 1,104.71 | 458.84 | 158,491.81 |
181 | 1,563.55 | 1,107.89 | 455.66 | 157,383.92 |
182 | 1,563.55 | 1,111.07 | 452.48 | 156,272.85 |
183 | 1,563.55 | 1,114.27 | 449.28 | 155,158.58 |
184 | 1,563.55 | 1,117.47 | 446.08 | 154,041.11 |
185 | 1,563.55 | 1,120.68 | 442.87 | 152,920.43 |
186 | 1,563.55 | 1,123.90 | 439.65 | 151,796.53 |
187 | 1,563.55 | 1,127.14 | 436.42 | 150,669.39 |
188 | 1,563.55 | 1,130.38 | 433.17 | 149,539.02 |
189 | 1,563.55 | 1,133.63 | 429.92 | 148,405.39 |
190 | 1,563.55 | 1,136.88 | 426.67 | 147,268.50 |
191 | 1,563.55 | 1,140.15 | 423.40 | 146,128.35 |
192 | 1,563.55 | 1,143.43 | 420.12 | 144,984.92 |
193 | 1,563.55 | 1,146.72 | 416.83 | 143,838.20 |
194 | 1,563.55 | 1,150.02 | 413.53 | 142,688.19 |
195 | 1,563.55 | 1,153.32 | 410.23 | 141,534.86 |
196 | 1,563.55 | 1,156.64 | 406.91 | 140,378.23 |
197 | 1,563.55 | 1,159.96 | 403.59 | 139,218.26 |
198 | 1,563.55 | 1,163.30 | 400.25 | 138,054.96 |
199 | 1,563.55 | 1,166.64 | 396.91 | 136,888.32 |
200 | 1,563.55 | 1,170.00 | 393.55 | 135,718.33 |
201 | 1,563.55 | 1,173.36 | 390.19 | 134,544.97 |
202 | 1,563.55 | 1,176.73 | 386.82 | 133,368.23 |
203 | 1,563.55 | 1,180.12 | 383.43 | 132,188.12 |
204 | 1,563.55 | 1,183.51 | 380.04 | 131,004.61 |
205 | 1,563.55 | 1,186.91 | 376.64 | 129,817.69 |
206 | 1,563.55 | 1,190.32 | 373.23 | 128,627.37 |
207 | 1,563.55 | 1,193.75 | 369.80 | 127,433.62 |
208 | 1,563.55 | 1,197.18 | 366.37 | 126,236.44 |
209 | 1,563.55 | 1,200.62 | 362.93 | 125,035.82 |
210 | 1,563.55 | 1,204.07 | 359.48 | 123,831.75 |
211 | 1,563.55 | 1,207.53 | 356.02 | 122,624.22 |
212 | 1,563.55 | 1,211.01 | 352.54 | 121,413.21 |
213 | 1,563.55 | 1,214.49 | 349.06 | 120,198.72 |
214 | 1,563.55 | 1,217.98 | 345.57 | 118,980.74 |
215 | 1,563.55 | 1,221.48 | 342.07 | 117,759.26 |
216 | 1,563.55 | 1,224.99 | 338.56 | 116,534.27 |
217 | 1,563.55 | 1,228.51 | 335.04 | 115,305.76 |
218 | 1,563.55 | 1,232.05 | 331.50 | 114,073.71 |
219 | 1,563.55 | 1,235.59 | 327.96 | 112,838.12 |
220 | 1,563.55 | 1,239.14 | 324.41 | 111,598.98 |
221 | 1,563.55 | 1,242.70 | 320.85 | 110,356.28 |
222 | 1,563.55 | 1,246.28 | 317.27 | 109,110.00 |
223 | 1,563.55 | 1,249.86 | 313.69 | 107,860.14 |
224 | 1,563.55 | 1,253.45 | 310.10 | 106,606.69 |
225 | 1,563.55 | 1,257.06 | 306.49 | 105,349.63 |
226 | 1,563.55 | 1,260.67 | 302.88 | 104,088.96 |
227 | 1,563.55 | 1,264.29 | 299.26 | 102,824.67 |
228 | 1,563.55 | 1,267.93 | 295.62 | 101,556.74 |
229 | 1,563.55 | 1,271.57 | 291.98 | 100,285.16 |
230 | 1,563.55 | 1,275.23 | 288.32 | 99,009.93 |
231 | 1,563.55 | 1,278.90 | 284.65 | 97,731.03 |
232 | 1,563.55 | 1,282.57 | 280.98 | 96,448.46 |
233 | 1,563.55 | 1,286.26 | 277.29 | 95,162.20 |
234 | 1,563.55 | 1,289.96 | 273.59 | 93,872.24 |
235 | 1,563.55 | 1,293.67 | 269.88 | 92,578.57 |
236 | 1,563.55 | 1,297.39 | 266.16 | 91,281.19 |
237 | 1,563.55 | 1,301.12 | 262.43 | 89,980.07 |
238 | 1,563.55 | 1,304.86 | 258.69 | 88,675.21 |
239 | 1,563.55 | 1,308.61 | 254.94 | 87,366.60 |
240 | 1,563.55 | 1,312.37 | 251.18 | 86,054.23 |
241 | 1,563.55 | 1,316.14 | 247.41 | 84,738.09 |
242 | 1,563.55 | 1,319.93 | 243.62 | 83,418.16 |
243 | 1,563.55 | 1,323.72 | 239.83 | 82,094.43 |
244 | 1,563.55 | 1,327.53 | 236.02 | 80,766.91 |
245 | 1,563.55 | 1,331.35 | 232.20 | 79,435.56 |
246 | 1,563.55 | 1,335.17 | 228.38 | 78,100.39 |
247 | 1,563.55 | 1,339.01 | 224.54 | 76,761.37 |
248 | 1,563.55 | 1,342.86 | 220.69 | 75,418.51 |
249 | 1,563.55 | 1,346.72 | 216.83 | 74,071.79 |
250 | 1,563.55 | 1,350.59 | 212.96 | 72,721.20 |
251 | 1,563.55 | 1,354.48 | 209.07 | 71,366.72 |
252 | 1,563.55 | 1,358.37 | 205.18 | 70,008.35 |
253 | 1,563.55 | 1,362.28 | 201.27 | 68,646.07 |
254 | 1,563.55 | 1,366.19 | 197.36 | 67,279.88 |
255 | 1,563.55 | 1,370.12 | 193.43 | 65,909.76 |
256 | 1,563.55 | 1,374.06 | 189.49 | 64,535.70 |
257 | 1,563.55 | 1,378.01 | 185.54 | 63,157.69 |
258 | 1,563.55 | 1,381.97 | 181.58 | 61,775.72 |
259 | 1,563.55 | 1,385.95 | 177.61 | 60,389.77 |
260 | 1,563.55 | 1,389.93 | 173.62 | 58,999.84 |
261 | 1,563.55 | 1,393.93 | 169.62 | 57,605.91 |
262 | 1,563.55 | 1,397.93 | 165.62 | 56,207.98 |
263 | 1,563.55 | 1,401.95 | 161.60 | 54,806.03 |
264 | 1,563.55 | 1,405.98 | 157.57 | 53,400.05 |
265 | 1,563.55 | 1,410.03 | 153.53 | 51,990.02 |
266 | 1,563.55 | 1,414.08 | 149.47 | 50,575.94 |
267 | 1,563.55 | 1,418.14 | 145.41 | 49,157.80 |
268 | 1,563.55 | 1,422.22 | 141.33 | 47,735.57 |
269 | 1,563.55 | 1,426.31 | 137.24 | 46,309.26 |
270 | 1,563.55 | 1,430.41 | 133.14 | 44,878.85 |
271 | 1,563.55 | 1,434.52 | 129.03 | 43,444.33 |
272 | 1,563.55 | 1,438.65 | 124.90 | 42,005.68 |
273 | 1,563.55 | 1,442.78 | 120.77 | 40,562.90 |
274 | 1,563.55 | 1,446.93 | 116.62 | 39,115.96 |
275 | 1,563.55 | 1,451.09 | 112.46 | 37,664.87 |
276 | 1,563.55 | 1,455.26 | 108.29 | 36,209.61 |
277 | 1,563.55 | 1,459.45 | 104.10 | 34,750.16 |
278 | 1,563.55 | 1,463.64 | 99.91 | 33,286.52 |
279 | 1,563.55 | 1,467.85 | 95.70 | 31,818.67 |
280 | 1,563.55 | 1,472.07 | 91.48 | 30,346.59 |
281 | 1,563.55 | 1,476.30 | 87.25 | 28,870.29 |
282 | 1,563.55 | 1,480.55 | 83.00 | 27,389.74 |
283 | 1,563.55 | 1,484.80 | 78.75 | 25,904.94 |
284 | 1,563.55 | 1,489.07 | 74.48 | 24,415.86 |
285 | 1,563.55 | 1,493.35 | 70.20 | 22,922.51 |
286 | 1,563.55 | 1,497.65 | 65.90 | 21,424.86 |
287 | 1,563.55 | 1,501.95 | 61.60 | 19,922.91 |
288 | 1,563.55 | 1,506.27 | 57.28 | 18,416.63 |
289 | 1,563.55 | 1,510.60 | 52.95 | 16,906.03 |
290 | 1,563.55 | 1,514.95 | 48.60 | 15,391.09 |
291 | 1,563.55 | 1,519.30 | 44.25 | 13,871.78 |
292 | 1,563.55 | 1,523.67 | 39.88 | 12,348.11 |
293 | 1,563.55 | 1,528.05 | 35.50 | 10,820.07 |
294 | 1,563.55 | 1,532.44 | 31.11 | 9,287.62 |
295 | 1,563.55 | 1,536.85 | 26.70 | 7,750.77 |
296 | 1,563.55 | 1,541.27 | 22.28 | 6,209.51 |
297 | 1,563.55 | 1,545.70 | 17.85 | 4,663.81 |
298 | 1,563.55 | 1,550.14 | 13.41 | 3,113.67 |
299 | 1,563.55 | 1,554.60 | 8.95 | 1,559.07 |
300 | 1,563.55 | 1,559.07 | 4.48 | 0.00 |