Mortgage Loan of $314,000 for 25 Years at 3.50%
What's the payment on a 25 year home loan for $314k at 3.50% interest?
Results
Monthly payment: $1,571.96
$18,863 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 3.50 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 | 1,571.96 | 656.12 | 915.83 | 313,343.88 |
2 | 1,571.96 | 658.04 | 913.92 | 312,685.84 |
3 | 1,571.96 | 659.96 | 912.00 | 312,025.88 |
4 | 1,571.96 | 661.88 | 910.08 | 311,364.00 |
5 | 1,571.96 | 663.81 | 908.14 | 310,700.18 |
6 | 1,571.96 | 665.75 | 906.21 | 310,034.43 |
7 | 1,571.96 | 667.69 | 904.27 | 309,366.74 |
8 | 1,571.96 | 669.64 | 902.32 | 308,697.11 |
9 | 1,571.96 | 671.59 | 900.37 | 308,025.51 |
10 | 1,571.96 | 673.55 | 898.41 | 307,351.96 |
11 | 1,571.96 | 675.51 | 896.44 | 306,676.45 |
12 | 1,571.96 | 677.49 | 894.47 | 305,998.96 |
13 | 1,571.96 | 679.46 | 892.50 | 305,319.50 |
14 | 1,571.96 | 681.44 | 890.52 | 304,638.06 |
15 | 1,571.96 | 683.43 | 888.53 | 303,954.63 |
16 | 1,571.96 | 685.42 | 886.53 | 303,269.21 |
17 | 1,571.96 | 687.42 | 884.54 | 302,581.78 |
18 | 1,571.96 | 689.43 | 882.53 | 301,892.36 |
19 | 1,571.96 | 691.44 | 880.52 | 301,200.92 |
20 | 1,571.96 | 693.46 | 878.50 | 300,507.46 |
21 | 1,571.96 | 695.48 | 876.48 | 299,811.98 |
22 | 1,571.96 | 697.51 | 874.45 | 299,114.48 |
23 | 1,571.96 | 699.54 | 872.42 | 298,414.94 |
24 | 1,571.96 | 701.58 | 870.38 | 297,713.36 |
25 | 1,571.96 | 703.63 | 868.33 | 297,009.73 |
26 | 1,571.96 | 705.68 | 866.28 | 296,304.05 |
27 | 1,571.96 | 707.74 | 864.22 | 295,596.31 |
28 | 1,571.96 | 709.80 | 862.16 | 294,886.51 |
29 | 1,571.96 | 711.87 | 860.09 | 294,174.64 |
30 | 1,571.96 | 713.95 | 858.01 | 293,460.69 |
31 | 1,571.96 | 716.03 | 855.93 | 292,744.66 |
32 | 1,571.96 | 718.12 | 853.84 | 292,026.54 |
33 | 1,571.96 | 720.21 | 851.74 | 291,306.32 |
34 | 1,571.96 | 722.31 | 849.64 | 290,584.01 |
35 | 1,571.96 | 724.42 | 847.54 | 289,859.59 |
36 | 1,571.96 | 726.53 | 845.42 | 289,133.05 |
37 | 1,571.96 | 728.65 | 843.30 | 288,404.40 |
38 | 1,571.96 | 730.78 | 841.18 | 287,673.62 |
39 | 1,571.96 | 732.91 | 839.05 | 286,940.71 |
40 | 1,571.96 | 735.05 | 836.91 | 286,205.66 |
41 | 1,571.96 | 737.19 | 834.77 | 285,468.47 |
42 | 1,571.96 | 739.34 | 832.62 | 284,729.13 |
43 | 1,571.96 | 741.50 | 830.46 | 283,987.63 |
44 | 1,571.96 | 743.66 | 828.30 | 283,243.97 |
45 | 1,571.96 | 745.83 | 826.13 | 282,498.14 |
46 | 1,571.96 | 748.01 | 823.95 | 281,750.14 |
47 | 1,571.96 | 750.19 | 821.77 | 280,999.95 |
48 | 1,571.96 | 752.37 | 819.58 | 280,247.57 |
49 | 1,571.96 | 754.57 | 817.39 | 279,493.01 |
50 | 1,571.96 | 756.77 | 815.19 | 278,736.24 |
51 | 1,571.96 | 758.98 | 812.98 | 277,977.26 |
52 | 1,571.96 | 761.19 | 810.77 | 277,216.07 |
53 | 1,571.96 | 763.41 | 808.55 | 276,452.66 |
54 | 1,571.96 | 765.64 | 806.32 | 275,687.02 |
55 | 1,571.96 | 767.87 | 804.09 | 274,919.15 |
56 | 1,571.96 | 770.11 | 801.85 | 274,149.04 |
57 | 1,571.96 | 772.36 | 799.60 | 273,376.68 |
58 | 1,571.96 | 774.61 | 797.35 | 272,602.07 |
59 | 1,571.96 | 776.87 | 795.09 | 271,825.20 |
60 | 1,571.96 | 779.13 | 792.82 | 271,046.07 |
61 | 1,571.96 | 781.41 | 790.55 | 270,264.66 |
62 | 1,571.96 | 783.69 | 788.27 | 269,480.97 |
63 | 1,571.96 | 785.97 | 785.99 | 268,695.00 |
64 | 1,571.96 | 788.26 | 783.69 | 267,906.74 |
65 | 1,571.96 | 790.56 | 781.39 | 267,116.18 |
66 | 1,571.96 | 792.87 | 779.09 | 266,323.31 |
67 | 1,571.96 | 795.18 | 776.78 | 265,528.12 |
68 | 1,571.96 | 797.50 | 774.46 | 264,730.62 |
69 | 1,571.96 | 799.83 | 772.13 | 263,930.80 |
70 | 1,571.96 | 802.16 | 769.80 | 263,128.64 |
71 | 1,571.96 | 804.50 | 767.46 | 262,324.14 |
72 | 1,571.96 | 806.85 | 765.11 | 261,517.29 |
73 | 1,571.96 | 809.20 | 762.76 | 260,708.09 |
74 | 1,571.96 | 811.56 | 760.40 | 259,896.53 |
75 | 1,571.96 | 813.93 | 758.03 | 259,082.61 |
76 | 1,571.96 | 816.30 | 755.66 | 258,266.31 |
77 | 1,571.96 | 818.68 | 753.28 | 257,447.62 |
78 | 1,571.96 | 821.07 | 750.89 | 256,626.56 |
79 | 1,571.96 | 823.46 | 748.49 | 255,803.09 |
80 | 1,571.96 | 825.87 | 746.09 | 254,977.23 |
81 | 1,571.96 | 828.27 | 743.68 | 254,148.95 |
82 | 1,571.96 | 830.69 | 741.27 | 253,318.26 |
83 | 1,571.96 | 833.11 | 738.84 | 252,485.15 |
84 | 1,571.96 | 835.54 | 736.42 | 251,649.60 |
85 | 1,571.96 | 837.98 | 733.98 | 250,811.62 |
86 | 1,571.96 | 840.42 | 731.53 | 249,971.20 |
87 | 1,571.96 | 842.88 | 729.08 | 249,128.33 |
88 | 1,571.96 | 845.33 | 726.62 | 248,282.99 |
89 | 1,571.96 | 847.80 | 724.16 | 247,435.19 |
90 | 1,571.96 | 850.27 | 721.69 | 246,584.92 |
91 | 1,571.96 | 852.75 | 719.21 | 245,732.17 |
92 | 1,571.96 | 855.24 | 716.72 | 244,876.93 |
93 | 1,571.96 | 857.73 | 714.22 | 244,019.20 |
94 | 1,571.96 | 860.24 | 711.72 | 243,158.96 |
95 | 1,571.96 | 862.74 | 709.21 | 242,296.22 |
96 | 1,571.96 | 865.26 | 706.70 | 241,430.96 |
97 | 1,571.96 | 867.78 | 704.17 | 240,563.17 |
98 | 1,571.96 | 870.32 | 701.64 | 239,692.86 |
99 | 1,571.96 | 872.85 | 699.10 | 238,820.00 |
100 | 1,571.96 | 875.40 | 696.56 | 237,944.60 |
101 | 1,571.96 | 877.95 | 694.01 | 237,066.65 |
102 | 1,571.96 | 880.51 | 691.44 | 236,186.14 |
103 | 1,571.96 | 883.08 | 688.88 | 235,303.05 |
104 | 1,571.96 | 885.66 | 686.30 | 234,417.40 |
105 | 1,571.96 | 888.24 | 683.72 | 233,529.16 |
106 | 1,571.96 | 890.83 | 681.13 | 232,638.32 |
107 | 1,571.96 | 893.43 | 678.53 | 231,744.89 |
108 | 1,571.96 | 896.04 | 675.92 | 230,848.86 |
109 | 1,571.96 | 898.65 | 673.31 | 229,950.21 |
110 | 1,571.96 | 901.27 | 670.69 | 229,048.94 |
111 | 1,571.96 | 903.90 | 668.06 | 228,145.04 |
112 | 1,571.96 | 906.53 | 665.42 | 227,238.51 |
113 | 1,571.96 | 909.18 | 662.78 | 226,329.33 |
114 | 1,571.96 | 911.83 | 660.13 | 225,417.50 |
115 | 1,571.96 | 914.49 | 657.47 | 224,503.01 |
116 | 1,571.96 | 917.16 | 654.80 | 223,585.85 |
117 | 1,571.96 | 919.83 | 652.13 | 222,666.02 |
118 | 1,571.96 | 922.52 | 649.44 | 221,743.50 |
119 | 1,571.96 | 925.21 | 646.75 | 220,818.29 |
120 | 1,571.96 | 927.90 | 644.05 | 219,890.39 |
121 | 1,571.96 | 930.61 | 641.35 | 218,959.78 |
122 | 1,571.96 | 933.33 | 638.63 | 218,026.45 |
123 | 1,571.96 | 936.05 | 635.91 | 217,090.41 |
124 | 1,571.96 | 938.78 | 633.18 | 216,151.63 |
125 | 1,571.96 | 941.52 | 630.44 | 215,210.11 |
126 | 1,571.96 | 944.26 | 627.70 | 214,265.85 |
127 | 1,571.96 | 947.02 | 624.94 | 213,318.84 |
128 | 1,571.96 | 949.78 | 622.18 | 212,369.06 |
129 | 1,571.96 | 952.55 | 619.41 | 211,416.51 |
130 | 1,571.96 | 955.33 | 616.63 | 210,461.18 |
131 | 1,571.96 | 958.11 | 613.85 | 209,503.07 |
132 | 1,571.96 | 960.91 | 611.05 | 208,542.16 |
133 | 1,571.96 | 963.71 | 608.25 | 207,578.45 |
134 | 1,571.96 | 966.52 | 605.44 | 206,611.93 |
135 | 1,571.96 | 969.34 | 602.62 | 205,642.59 |
136 | 1,571.96 | 972.17 | 599.79 | 204,670.42 |
137 | 1,571.96 | 975.00 | 596.96 | 203,695.42 |
138 | 1,571.96 | 977.85 | 594.11 | 202,717.58 |
139 | 1,571.96 | 980.70 | 591.26 | 201,736.88 |
140 | 1,571.96 | 983.56 | 588.40 | 200,753.32 |
141 | 1,571.96 | 986.43 | 585.53 | 199,766.89 |
142 | 1,571.96 | 989.30 | 582.65 | 198,777.59 |
143 | 1,571.96 | 992.19 | 579.77 | 197,785.40 |
144 | 1,571.96 | 995.08 | 576.87 | 196,790.31 |
145 | 1,571.96 | 997.99 | 573.97 | 195,792.33 |
146 | 1,571.96 | 1,000.90 | 571.06 | 194,791.43 |
147 | 1,571.96 | 1,003.82 | 568.14 | 193,787.61 |
148 | 1,571.96 | 1,006.74 | 565.21 | 192,780.87 |
149 | 1,571.96 | 1,009.68 | 562.28 | 191,771.19 |
150 | 1,571.96 | 1,012.63 | 559.33 | 190,758.56 |
151 | 1,571.96 | 1,015.58 | 556.38 | 189,742.98 |
152 | 1,571.96 | 1,018.54 | 553.42 | 188,724.44 |
153 | 1,571.96 | 1,021.51 | 550.45 | 187,702.93 |
154 | 1,571.96 | 1,024.49 | 547.47 | 186,678.44 |
155 | 1,571.96 | 1,027.48 | 544.48 | 185,650.96 |
156 | 1,571.96 | 1,030.48 | 541.48 | 184,620.48 |
157 | 1,571.96 | 1,033.48 | 538.48 | 183,587.00 |
158 | 1,571.96 | 1,036.50 | 535.46 | 182,550.51 |
159 | 1,571.96 | 1,039.52 | 532.44 | 181,510.99 |
160 | 1,571.96 | 1,042.55 | 529.41 | 180,468.44 |
161 | 1,571.96 | 1,045.59 | 526.37 | 179,422.85 |
162 | 1,571.96 | 1,048.64 | 523.32 | 178,374.20 |
163 | 1,571.96 | 1,051.70 | 520.26 | 177,322.50 |
164 | 1,571.96 | 1,054.77 | 517.19 | 176,267.74 |
165 | 1,571.96 | 1,057.84 | 514.11 | 175,209.89 |
166 | 1,571.96 | 1,060.93 | 511.03 | 174,148.96 |
167 | 1,571.96 | 1,064.02 | 507.93 | 173,084.94 |
168 | 1,571.96 | 1,067.13 | 504.83 | 172,017.81 |
169 | 1,571.96 | 1,070.24 | 501.72 | 170,947.57 |
170 | 1,571.96 | 1,073.36 | 498.60 | 169,874.21 |
171 | 1,571.96 | 1,076.49 | 495.47 | 168,797.72 |
172 | 1,571.96 | 1,079.63 | 492.33 | 167,718.09 |
173 | 1,571.96 | 1,082.78 | 489.18 | 166,635.31 |
174 | 1,571.96 | 1,085.94 | 486.02 | 165,549.37 |
175 | 1,571.96 | 1,089.11 | 482.85 | 164,460.27 |
176 | 1,571.96 | 1,092.28 | 479.68 | 163,367.98 |
177 | 1,571.96 | 1,095.47 | 476.49 | 162,272.52 |
178 | 1,571.96 | 1,098.66 | 473.29 | 161,173.85 |
179 | 1,571.96 | 1,101.87 | 470.09 | 160,071.98 |
180 | 1,571.96 | 1,105.08 | 466.88 | 158,966.90 |
181 | 1,571.96 | 1,108.30 | 463.65 | 157,858.60 |
182 | 1,571.96 | 1,111.54 | 460.42 | 156,747.06 |
183 | 1,571.96 | 1,114.78 | 457.18 | 155,632.28 |
184 | 1,571.96 | 1,118.03 | 453.93 | 154,514.25 |
185 | 1,571.96 | 1,121.29 | 450.67 | 153,392.96 |
186 | 1,571.96 | 1,124.56 | 447.40 | 152,268.40 |
187 | 1,571.96 | 1,127.84 | 444.12 | 151,140.56 |
188 | 1,571.96 | 1,131.13 | 440.83 | 150,009.43 |
189 | 1,571.96 | 1,134.43 | 437.53 | 148,874.99 |
190 | 1,571.96 | 1,137.74 | 434.22 | 147,737.26 |
191 | 1,571.96 | 1,141.06 | 430.90 | 146,596.20 |
192 | 1,571.96 | 1,144.39 | 427.57 | 145,451.81 |
193 | 1,571.96 | 1,147.72 | 424.23 | 144,304.09 |
194 | 1,571.96 | 1,151.07 | 420.89 | 143,153.02 |
195 | 1,571.96 | 1,154.43 | 417.53 | 141,998.59 |
196 | 1,571.96 | 1,157.80 | 414.16 | 140,840.79 |
197 | 1,571.96 | 1,161.17 | 410.79 | 139,679.62 |
198 | 1,571.96 | 1,164.56 | 407.40 | 138,515.06 |
199 | 1,571.96 | 1,167.96 | 404.00 | 137,347.11 |
200 | 1,571.96 | 1,171.36 | 400.60 | 136,175.74 |
201 | 1,571.96 | 1,174.78 | 397.18 | 135,000.97 |
202 | 1,571.96 | 1,178.21 | 393.75 | 133,822.76 |
203 | 1,571.96 | 1,181.64 | 390.32 | 132,641.12 |
204 | 1,571.96 | 1,185.09 | 386.87 | 131,456.03 |
205 | 1,571.96 | 1,188.54 | 383.41 | 130,267.49 |
206 | 1,571.96 | 1,192.01 | 379.95 | 129,075.47 |
207 | 1,571.96 | 1,195.49 | 376.47 | 127,879.99 |
208 | 1,571.96 | 1,198.97 | 372.98 | 126,681.01 |
209 | 1,571.96 | 1,202.47 | 369.49 | 125,478.54 |
210 | 1,571.96 | 1,205.98 | 365.98 | 124,272.56 |
211 | 1,571.96 | 1,209.50 | 362.46 | 123,063.06 |
212 | 1,571.96 | 1,213.02 | 358.93 | 121,850.04 |
213 | 1,571.96 | 1,216.56 | 355.40 | 120,633.48 |
214 | 1,571.96 | 1,220.11 | 351.85 | 119,413.37 |
215 | 1,571.96 | 1,223.67 | 348.29 | 118,189.70 |
216 | 1,571.96 | 1,227.24 | 344.72 | 116,962.46 |
217 | 1,571.96 | 1,230.82 | 341.14 | 115,731.64 |
218 | 1,571.96 | 1,234.41 | 337.55 | 114,497.24 |
219 | 1,571.96 | 1,238.01 | 333.95 | 113,259.23 |
220 | 1,571.96 | 1,241.62 | 330.34 | 112,017.61 |
221 | 1,571.96 | 1,245.24 | 326.72 | 110,772.37 |
222 | 1,571.96 | 1,248.87 | 323.09 | 109,523.50 |
223 | 1,571.96 | 1,252.51 | 319.44 | 108,270.98 |
224 | 1,571.96 | 1,256.17 | 315.79 | 107,014.82 |
225 | 1,571.96 | 1,259.83 | 312.13 | 105,754.98 |
226 | 1,571.96 | 1,263.51 | 308.45 | 104,491.48 |
227 | 1,571.96 | 1,267.19 | 304.77 | 103,224.29 |
228 | 1,571.96 | 1,270.89 | 301.07 | 101,953.40 |
229 | 1,571.96 | 1,274.59 | 297.36 | 100,678.81 |
230 | 1,571.96 | 1,278.31 | 293.65 | 99,400.49 |
231 | 1,571.96 | 1,282.04 | 289.92 | 98,118.46 |
232 | 1,571.96 | 1,285.78 | 286.18 | 96,832.68 |
233 | 1,571.96 | 1,289.53 | 282.43 | 95,543.15 |
234 | 1,571.96 | 1,293.29 | 278.67 | 94,249.86 |
235 | 1,571.96 | 1,297.06 | 274.90 | 92,952.79 |
236 | 1,571.96 | 1,300.85 | 271.11 | 91,651.95 |
237 | 1,571.96 | 1,304.64 | 267.32 | 90,347.31 |
238 | 1,571.96 | 1,308.45 | 263.51 | 89,038.86 |
239 | 1,571.96 | 1,312.26 | 259.70 | 87,726.60 |
240 | 1,571.96 | 1,316.09 | 255.87 | 86,410.51 |
241 | 1,571.96 | 1,319.93 | 252.03 | 85,090.59 |
242 | 1,571.96 | 1,323.78 | 248.18 | 83,766.81 |
243 | 1,571.96 | 1,327.64 | 244.32 | 82,439.17 |
244 | 1,571.96 | 1,331.51 | 240.45 | 81,107.66 |
245 | 1,571.96 | 1,335.39 | 236.56 | 79,772.27 |
246 | 1,571.96 | 1,339.29 | 232.67 | 78,432.98 |
247 | 1,571.96 | 1,343.20 | 228.76 | 77,089.78 |
248 | 1,571.96 | 1,347.11 | 224.85 | 75,742.67 |
249 | 1,571.96 | 1,351.04 | 220.92 | 74,391.63 |
250 | 1,571.96 | 1,354.98 | 216.98 | 73,036.64 |
251 | 1,571.96 | 1,358.93 | 213.02 | 71,677.71 |
252 | 1,571.96 | 1,362.90 | 209.06 | 70,314.81 |
253 | 1,571.96 | 1,366.87 | 205.08 | 68,947.94 |
254 | 1,571.96 | 1,370.86 | 201.10 | 67,577.08 |
255 | 1,571.96 | 1,374.86 | 197.10 | 66,202.22 |
256 | 1,571.96 | 1,378.87 | 193.09 | 64,823.35 |
257 | 1,571.96 | 1,382.89 | 189.07 | 63,440.46 |
258 | 1,571.96 | 1,386.92 | 185.03 | 62,053.54 |
259 | 1,571.96 | 1,390.97 | 180.99 | 60,662.57 |
260 | 1,571.96 | 1,395.03 | 176.93 | 59,267.55 |
261 | 1,571.96 | 1,399.09 | 172.86 | 57,868.45 |
262 | 1,571.96 | 1,403.18 | 168.78 | 56,465.28 |
263 | 1,571.96 | 1,407.27 | 164.69 | 55,058.01 |
264 | 1,571.96 | 1,411.37 | 160.59 | 53,646.64 |
265 | 1,571.96 | 1,415.49 | 156.47 | 52,231.15 |
266 | 1,571.96 | 1,419.62 | 152.34 | 50,811.53 |
267 | 1,571.96 | 1,423.76 | 148.20 | 49,387.77 |
268 | 1,571.96 | 1,427.91 | 144.05 | 47,959.86 |
269 | 1,571.96 | 1,432.08 | 139.88 | 46,527.79 |
270 | 1,571.96 | 1,436.25 | 135.71 | 45,091.54 |
271 | 1,571.96 | 1,440.44 | 131.52 | 43,651.09 |
272 | 1,571.96 | 1,444.64 | 127.32 | 42,206.45 |
273 | 1,571.96 | 1,448.86 | 123.10 | 40,757.60 |
274 | 1,571.96 | 1,453.08 | 118.88 | 39,304.51 |
275 | 1,571.96 | 1,457.32 | 114.64 | 37,847.19 |
276 | 1,571.96 | 1,461.57 | 110.39 | 36,385.62 |
277 | 1,571.96 | 1,465.83 | 106.12 | 34,919.79 |
278 | 1,571.96 | 1,470.11 | 101.85 | 33,449.68 |
279 | 1,571.96 | 1,474.40 | 97.56 | 31,975.29 |
280 | 1,571.96 | 1,478.70 | 93.26 | 30,496.59 |
281 | 1,571.96 | 1,483.01 | 88.95 | 29,013.58 |
282 | 1,571.96 | 1,487.34 | 84.62 | 27,526.24 |
283 | 1,571.96 | 1,491.67 | 80.28 | 26,034.57 |
284 | 1,571.96 | 1,496.02 | 75.93 | 24,538.55 |
285 | 1,571.96 | 1,500.39 | 71.57 | 23,038.16 |
286 | 1,571.96 | 1,504.76 | 67.19 | 21,533.40 |
287 | 1,571.96 | 1,509.15 | 62.81 | 20,024.24 |
288 | 1,571.96 | 1,513.55 | 58.40 | 18,510.69 |
289 | 1,571.96 | 1,517.97 | 53.99 | 16,992.72 |
290 | 1,571.96 | 1,522.40 | 49.56 | 15,470.33 |
291 | 1,571.96 | 1,526.84 | 45.12 | 13,943.49 |
292 | 1,571.96 | 1,531.29 | 40.67 | 12,412.20 |
293 | 1,571.96 | 1,535.76 | 36.20 | 10,876.44 |
294 | 1,571.96 | 1,540.24 | 31.72 | 9,336.21 |
295 | 1,571.96 | 1,544.73 | 27.23 | 7,791.48 |
296 | 1,571.96 | 1,549.23 | 22.73 | 6,242.25 |
297 | 1,571.96 | 1,553.75 | 18.21 | 4,688.50 |
298 | 1,571.96 | 1,558.28 | 13.67 | 3,130.21 |
299 | 1,571.96 | 1,562.83 | 9.13 | 1,567.39 |
300 | 1,571.96 | 1,567.39 | 4.57 | 0.00 |