Mortgage Loan of $316,000 for 25 Years at 3.70%
What's the payment on a 25 year home loan for $316k at 3.70% interest?
Results
Monthly payment: $1,616.07
$19,393 per year
What's the monthly payment? Use the loan payment schedule below to view payments each month based on a fixed rate $316k 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 316,000 loan for 25 years at 3.70 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 | 1,616.07 | 641.73 | 974.33 | 315,358.27 |
2 | 1,616.07 | 643.71 | 972.35 | 314,714.55 |
3 | 1,616.07 | 645.70 | 970.37 | 314,068.86 |
4 | 1,616.07 | 647.69 | 968.38 | 313,421.17 |
5 | 1,616.07 | 649.69 | 966.38 | 312,771.48 |
6 | 1,616.07 | 651.69 | 964.38 | 312,119.79 |
7 | 1,616.07 | 653.70 | 962.37 | 311,466.09 |
8 | 1,616.07 | 655.71 | 960.35 | 310,810.38 |
9 | 1,616.07 | 657.74 | 958.33 | 310,152.65 |
10 | 1,616.07 | 659.76 | 956.30 | 309,492.88 |
11 | 1,616.07 | 661.80 | 954.27 | 308,831.08 |
12 | 1,616.07 | 663.84 | 952.23 | 308,167.25 |
13 | 1,616.07 | 665.89 | 950.18 | 307,501.36 |
14 | 1,616.07 | 667.94 | 948.13 | 306,833.42 |
15 | 1,616.07 | 670.00 | 946.07 | 306,163.42 |
16 | 1,616.07 | 672.06 | 944.00 | 305,491.36 |
17 | 1,616.07 | 674.14 | 941.93 | 304,817.23 |
18 | 1,616.07 | 676.21 | 939.85 | 304,141.01 |
19 | 1,616.07 | 678.30 | 937.77 | 303,462.71 |
20 | 1,616.07 | 680.39 | 935.68 | 302,782.32 |
21 | 1,616.07 | 682.49 | 933.58 | 302,099.83 |
22 | 1,616.07 | 684.59 | 931.47 | 301,415.24 |
23 | 1,616.07 | 686.70 | 929.36 | 300,728.54 |
24 | 1,616.07 | 688.82 | 927.25 | 300,039.71 |
25 | 1,616.07 | 690.95 | 925.12 | 299,348.77 |
26 | 1,616.07 | 693.08 | 922.99 | 298,655.69 |
27 | 1,616.07 | 695.21 | 920.86 | 297,960.48 |
28 | 1,616.07 | 697.36 | 918.71 | 297,263.13 |
29 | 1,616.07 | 699.51 | 916.56 | 296,563.62 |
30 | 1,616.07 | 701.66 | 914.40 | 295,861.96 |
31 | 1,616.07 | 703.83 | 912.24 | 295,158.13 |
32 | 1,616.07 | 706.00 | 910.07 | 294,452.13 |
33 | 1,616.07 | 708.17 | 907.89 | 293,743.96 |
34 | 1,616.07 | 710.36 | 905.71 | 293,033.60 |
35 | 1,616.07 | 712.55 | 903.52 | 292,321.06 |
36 | 1,616.07 | 714.74 | 901.32 | 291,606.31 |
37 | 1,616.07 | 716.95 | 899.12 | 290,889.36 |
38 | 1,616.07 | 719.16 | 896.91 | 290,170.20 |
39 | 1,616.07 | 721.38 | 894.69 | 289,448.83 |
40 | 1,616.07 | 723.60 | 892.47 | 288,725.23 |
41 | 1,616.07 | 725.83 | 890.24 | 287,999.40 |
42 | 1,616.07 | 728.07 | 888.00 | 287,271.33 |
43 | 1,616.07 | 730.31 | 885.75 | 286,541.01 |
44 | 1,616.07 | 732.57 | 883.50 | 285,808.45 |
45 | 1,616.07 | 734.82 | 881.24 | 285,073.62 |
46 | 1,616.07 | 737.09 | 878.98 | 284,336.53 |
47 | 1,616.07 | 739.36 | 876.70 | 283,597.17 |
48 | 1,616.07 | 741.64 | 874.42 | 282,855.53 |
49 | 1,616.07 | 743.93 | 872.14 | 282,111.60 |
50 | 1,616.07 | 746.22 | 869.84 | 281,365.37 |
51 | 1,616.07 | 748.52 | 867.54 | 280,616.85 |
52 | 1,616.07 | 750.83 | 865.24 | 279,866.02 |
53 | 1,616.07 | 753.15 | 862.92 | 279,112.87 |
54 | 1,616.07 | 755.47 | 860.60 | 278,357.40 |
55 | 1,616.07 | 757.80 | 858.27 | 277,599.60 |
56 | 1,616.07 | 760.14 | 855.93 | 276,839.47 |
57 | 1,616.07 | 762.48 | 853.59 | 276,076.99 |
58 | 1,616.07 | 764.83 | 851.24 | 275,312.16 |
59 | 1,616.07 | 767.19 | 848.88 | 274,544.97 |
60 | 1,616.07 | 769.55 | 846.51 | 273,775.41 |
61 | 1,616.07 | 771.93 | 844.14 | 273,003.49 |
62 | 1,616.07 | 774.31 | 841.76 | 272,229.18 |
63 | 1,616.07 | 776.69 | 839.37 | 271,452.49 |
64 | 1,616.07 | 779.09 | 836.98 | 270,673.40 |
65 | 1,616.07 | 781.49 | 834.58 | 269,891.91 |
66 | 1,616.07 | 783.90 | 832.17 | 269,108.01 |
67 | 1,616.07 | 786.32 | 829.75 | 268,321.69 |
68 | 1,616.07 | 788.74 | 827.33 | 267,532.95 |
69 | 1,616.07 | 791.17 | 824.89 | 266,741.77 |
70 | 1,616.07 | 793.61 | 822.45 | 265,948.16 |
71 | 1,616.07 | 796.06 | 820.01 | 265,152.10 |
72 | 1,616.07 | 798.52 | 817.55 | 264,353.58 |
73 | 1,616.07 | 800.98 | 815.09 | 263,552.61 |
74 | 1,616.07 | 803.45 | 812.62 | 262,749.16 |
75 | 1,616.07 | 805.92 | 810.14 | 261,943.23 |
76 | 1,616.07 | 808.41 | 807.66 | 261,134.82 |
77 | 1,616.07 | 810.90 | 805.17 | 260,323.92 |
78 | 1,616.07 | 813.40 | 802.67 | 259,510.52 |
79 | 1,616.07 | 815.91 | 800.16 | 258,694.61 |
80 | 1,616.07 | 818.43 | 797.64 | 257,876.19 |
81 | 1,616.07 | 820.95 | 795.12 | 257,055.24 |
82 | 1,616.07 | 823.48 | 792.59 | 256,231.76 |
83 | 1,616.07 | 826.02 | 790.05 | 255,405.74 |
84 | 1,616.07 | 828.57 | 787.50 | 254,577.17 |
85 | 1,616.07 | 831.12 | 784.95 | 253,746.05 |
86 | 1,616.07 | 833.68 | 782.38 | 252,912.36 |
87 | 1,616.07 | 836.25 | 779.81 | 252,076.11 |
88 | 1,616.07 | 838.83 | 777.23 | 251,237.28 |
89 | 1,616.07 | 841.42 | 774.65 | 250,395.86 |
90 | 1,616.07 | 844.01 | 772.05 | 249,551.84 |
91 | 1,616.07 | 846.62 | 769.45 | 248,705.23 |
92 | 1,616.07 | 849.23 | 766.84 | 247,856.00 |
93 | 1,616.07 | 851.84 | 764.22 | 247,004.16 |
94 | 1,616.07 | 854.47 | 761.60 | 246,149.69 |
95 | 1,616.07 | 857.11 | 758.96 | 245,292.58 |
96 | 1,616.07 | 859.75 | 756.32 | 244,432.83 |
97 | 1,616.07 | 862.40 | 753.67 | 243,570.43 |
98 | 1,616.07 | 865.06 | 751.01 | 242,705.37 |
99 | 1,616.07 | 867.73 | 748.34 | 241,837.65 |
100 | 1,616.07 | 870.40 | 745.67 | 240,967.25 |
101 | 1,616.07 | 873.09 | 742.98 | 240,094.16 |
102 | 1,616.07 | 875.78 | 740.29 | 239,218.38 |
103 | 1,616.07 | 878.48 | 737.59 | 238,339.91 |
104 | 1,616.07 | 881.19 | 734.88 | 237,458.72 |
105 | 1,616.07 | 883.90 | 732.16 | 236,574.82 |
106 | 1,616.07 | 886.63 | 729.44 | 235,688.19 |
107 | 1,616.07 | 889.36 | 726.71 | 234,798.83 |
108 | 1,616.07 | 892.10 | 723.96 | 233,906.72 |
109 | 1,616.07 | 894.86 | 721.21 | 233,011.87 |
110 | 1,616.07 | 897.61 | 718.45 | 232,114.25 |
111 | 1,616.07 | 900.38 | 715.69 | 231,213.87 |
112 | 1,616.07 | 903.16 | 712.91 | 230,310.71 |
113 | 1,616.07 | 905.94 | 710.12 | 229,404.77 |
114 | 1,616.07 | 908.74 | 707.33 | 228,496.03 |
115 | 1,616.07 | 911.54 | 704.53 | 227,584.50 |
116 | 1,616.07 | 914.35 | 701.72 | 226,670.15 |
117 | 1,616.07 | 917.17 | 698.90 | 225,752.98 |
118 | 1,616.07 | 920.00 | 696.07 | 224,832.98 |
119 | 1,616.07 | 922.83 | 693.24 | 223,910.15 |
120 | 1,616.07 | 925.68 | 690.39 | 222,984.47 |
121 | 1,616.07 | 928.53 | 687.54 | 222,055.94 |
122 | 1,616.07 | 931.39 | 684.67 | 221,124.55 |
123 | 1,616.07 | 934.27 | 681.80 | 220,190.28 |
124 | 1,616.07 | 937.15 | 678.92 | 219,253.13 |
125 | 1,616.07 | 940.04 | 676.03 | 218,313.09 |
126 | 1,616.07 | 942.94 | 673.13 | 217,370.16 |
127 | 1,616.07 | 945.84 | 670.22 | 216,424.32 |
128 | 1,616.07 | 948.76 | 667.31 | 215,475.56 |
129 | 1,616.07 | 951.68 | 664.38 | 214,523.87 |
130 | 1,616.07 | 954.62 | 661.45 | 213,569.25 |
131 | 1,616.07 | 957.56 | 658.51 | 212,611.69 |
132 | 1,616.07 | 960.51 | 655.55 | 211,651.18 |
133 | 1,616.07 | 963.48 | 652.59 | 210,687.70 |
134 | 1,616.07 | 966.45 | 649.62 | 209,721.25 |
135 | 1,616.07 | 969.43 | 646.64 | 208,751.83 |
136 | 1,616.07 | 972.42 | 643.65 | 207,779.41 |
137 | 1,616.07 | 975.41 | 640.65 | 206,804.00 |
138 | 1,616.07 | 978.42 | 637.65 | 205,825.57 |
139 | 1,616.07 | 981.44 | 634.63 | 204,844.14 |
140 | 1,616.07 | 984.46 | 631.60 | 203,859.67 |
141 | 1,616.07 | 987.50 | 628.57 | 202,872.17 |
142 | 1,616.07 | 990.54 | 625.52 | 201,881.63 |
143 | 1,616.07 | 993.60 | 622.47 | 200,888.03 |
144 | 1,616.07 | 996.66 | 619.40 | 199,891.36 |
145 | 1,616.07 | 999.74 | 616.33 | 198,891.63 |
146 | 1,616.07 | 1,002.82 | 613.25 | 197,888.81 |
147 | 1,616.07 | 1,005.91 | 610.16 | 196,882.90 |
148 | 1,616.07 | 1,009.01 | 607.06 | 195,873.89 |
149 | 1,616.07 | 1,012.12 | 603.94 | 194,861.76 |
150 | 1,616.07 | 1,015.24 | 600.82 | 193,846.52 |
151 | 1,616.07 | 1,018.37 | 597.69 | 192,828.15 |
152 | 1,616.07 | 1,021.51 | 594.55 | 191,806.63 |
153 | 1,616.07 | 1,024.66 | 591.40 | 190,781.97 |
154 | 1,616.07 | 1,027.82 | 588.24 | 189,754.15 |
155 | 1,616.07 | 1,030.99 | 585.08 | 188,723.15 |
156 | 1,616.07 | 1,034.17 | 581.90 | 187,688.98 |
157 | 1,616.07 | 1,037.36 | 578.71 | 186,651.62 |
158 | 1,616.07 | 1,040.56 | 575.51 | 185,611.07 |
159 | 1,616.07 | 1,043.77 | 572.30 | 184,567.30 |
160 | 1,616.07 | 1,046.98 | 569.08 | 183,520.31 |
161 | 1,616.07 | 1,050.21 | 565.85 | 182,470.10 |
162 | 1,616.07 | 1,053.45 | 562.62 | 181,416.65 |
163 | 1,616.07 | 1,056.70 | 559.37 | 180,359.95 |
164 | 1,616.07 | 1,059.96 | 556.11 | 179,299.99 |
165 | 1,616.07 | 1,063.23 | 552.84 | 178,236.77 |
166 | 1,616.07 | 1,066.50 | 549.56 | 177,170.26 |
167 | 1,616.07 | 1,069.79 | 546.27 | 176,100.47 |
168 | 1,616.07 | 1,073.09 | 542.98 | 175,027.38 |
169 | 1,616.07 | 1,076.40 | 539.67 | 173,950.98 |
170 | 1,616.07 | 1,079.72 | 536.35 | 172,871.26 |
171 | 1,616.07 | 1,083.05 | 533.02 | 171,788.21 |
172 | 1,616.07 | 1,086.39 | 529.68 | 170,701.83 |
173 | 1,616.07 | 1,089.74 | 526.33 | 169,612.09 |
174 | 1,616.07 | 1,093.10 | 522.97 | 168,518.99 |
175 | 1,616.07 | 1,096.47 | 519.60 | 167,422.52 |
176 | 1,616.07 | 1,099.85 | 516.22 | 166,322.68 |
177 | 1,616.07 | 1,103.24 | 512.83 | 165,219.44 |
178 | 1,616.07 | 1,106.64 | 509.43 | 164,112.80 |
179 | 1,616.07 | 1,110.05 | 506.01 | 163,002.74 |
180 | 1,616.07 | 1,113.48 | 502.59 | 161,889.27 |
181 | 1,616.07 | 1,116.91 | 499.16 | 160,772.36 |
182 | 1,616.07 | 1,120.35 | 495.71 | 159,652.01 |
183 | 1,616.07 | 1,123.81 | 492.26 | 158,528.20 |
184 | 1,616.07 | 1,127.27 | 488.80 | 157,400.93 |
185 | 1,616.07 | 1,130.75 | 485.32 | 156,270.18 |
186 | 1,616.07 | 1,134.23 | 481.83 | 155,135.94 |
187 | 1,616.07 | 1,137.73 | 478.34 | 153,998.21 |
188 | 1,616.07 | 1,141.24 | 474.83 | 152,856.97 |
189 | 1,616.07 | 1,144.76 | 471.31 | 151,712.21 |
190 | 1,616.07 | 1,148.29 | 467.78 | 150,563.93 |
191 | 1,616.07 | 1,151.83 | 464.24 | 149,412.10 |
192 | 1,616.07 | 1,155.38 | 460.69 | 148,256.72 |
193 | 1,616.07 | 1,158.94 | 457.12 | 147,097.77 |
194 | 1,616.07 | 1,162.52 | 453.55 | 145,935.26 |
195 | 1,616.07 | 1,166.10 | 449.97 | 144,769.16 |
196 | 1,616.07 | 1,169.70 | 446.37 | 143,599.46 |
197 | 1,616.07 | 1,173.30 | 442.77 | 142,426.16 |
198 | 1,616.07 | 1,176.92 | 439.15 | 141,249.24 |
199 | 1,616.07 | 1,180.55 | 435.52 | 140,068.69 |
200 | 1,616.07 | 1,184.19 | 431.88 | 138,884.50 |
201 | 1,616.07 | 1,187.84 | 428.23 | 137,696.66 |
202 | 1,616.07 | 1,191.50 | 424.56 | 136,505.16 |
203 | 1,616.07 | 1,195.18 | 420.89 | 135,309.98 |
204 | 1,616.07 | 1,198.86 | 417.21 | 134,111.12 |
205 | 1,616.07 | 1,202.56 | 413.51 | 132,908.56 |
206 | 1,616.07 | 1,206.27 | 409.80 | 131,702.30 |
207 | 1,616.07 | 1,209.99 | 406.08 | 130,492.31 |
208 | 1,616.07 | 1,213.72 | 402.35 | 129,278.59 |
209 | 1,616.07 | 1,217.46 | 398.61 | 128,061.14 |
210 | 1,616.07 | 1,221.21 | 394.86 | 126,839.92 |
211 | 1,616.07 | 1,224.98 | 391.09 | 125,614.95 |
212 | 1,616.07 | 1,228.75 | 387.31 | 124,386.19 |
213 | 1,616.07 | 1,232.54 | 383.52 | 123,153.65 |
214 | 1,616.07 | 1,236.34 | 379.72 | 121,917.30 |
215 | 1,616.07 | 1,240.16 | 375.91 | 120,677.15 |
216 | 1,616.07 | 1,243.98 | 372.09 | 119,433.17 |
217 | 1,616.07 | 1,247.82 | 368.25 | 118,185.35 |
218 | 1,616.07 | 1,251.66 | 364.40 | 116,933.69 |
219 | 1,616.07 | 1,255.52 | 360.55 | 115,678.17 |
220 | 1,616.07 | 1,259.39 | 356.67 | 114,418.78 |
221 | 1,616.07 | 1,263.28 | 352.79 | 113,155.50 |
222 | 1,616.07 | 1,267.17 | 348.90 | 111,888.33 |
223 | 1,616.07 | 1,271.08 | 344.99 | 110,617.25 |
224 | 1,616.07 | 1,275.00 | 341.07 | 109,342.25 |
225 | 1,616.07 | 1,278.93 | 337.14 | 108,063.32 |
226 | 1,616.07 | 1,282.87 | 333.20 | 106,780.45 |
227 | 1,616.07 | 1,286.83 | 329.24 | 105,493.62 |
228 | 1,616.07 | 1,290.80 | 325.27 | 104,202.83 |
229 | 1,616.07 | 1,294.78 | 321.29 | 102,908.05 |
230 | 1,616.07 | 1,298.77 | 317.30 | 101,609.28 |
231 | 1,616.07 | 1,302.77 | 313.30 | 100,306.51 |
232 | 1,616.07 | 1,306.79 | 309.28 | 98,999.72 |
233 | 1,616.07 | 1,310.82 | 305.25 | 97,688.91 |
234 | 1,616.07 | 1,314.86 | 301.21 | 96,374.05 |
235 | 1,616.07 | 1,318.91 | 297.15 | 95,055.13 |
236 | 1,616.07 | 1,322.98 | 293.09 | 93,732.15 |
237 | 1,616.07 | 1,327.06 | 289.01 | 92,405.09 |
238 | 1,616.07 | 1,331.15 | 284.92 | 91,073.94 |
239 | 1,616.07 | 1,335.26 | 280.81 | 89,738.68 |
240 | 1,616.07 | 1,339.37 | 276.69 | 88,399.31 |
241 | 1,616.07 | 1,343.50 | 272.56 | 87,055.81 |
242 | 1,616.07 | 1,347.65 | 268.42 | 85,708.16 |
243 | 1,616.07 | 1,351.80 | 264.27 | 84,356.36 |
244 | 1,616.07 | 1,355.97 | 260.10 | 83,000.39 |
245 | 1,616.07 | 1,360.15 | 255.92 | 81,640.24 |
246 | 1,616.07 | 1,364.34 | 251.72 | 80,275.90 |
247 | 1,616.07 | 1,368.55 | 247.52 | 78,907.35 |
248 | 1,616.07 | 1,372.77 | 243.30 | 77,534.58 |
249 | 1,616.07 | 1,377.00 | 239.06 | 76,157.58 |
250 | 1,616.07 | 1,381.25 | 234.82 | 74,776.33 |
251 | 1,616.07 | 1,385.51 | 230.56 | 73,390.82 |
252 | 1,616.07 | 1,389.78 | 226.29 | 72,001.04 |
253 | 1,616.07 | 1,394.06 | 222.00 | 70,606.98 |
254 | 1,616.07 | 1,398.36 | 217.70 | 69,208.61 |
255 | 1,616.07 | 1,402.67 | 213.39 | 67,805.94 |
256 | 1,616.07 | 1,407.00 | 209.07 | 66,398.94 |
257 | 1,616.07 | 1,411.34 | 204.73 | 64,987.60 |
258 | 1,616.07 | 1,415.69 | 200.38 | 63,571.91 |
259 | 1,616.07 | 1,420.05 | 196.01 | 62,151.86 |
260 | 1,616.07 | 1,424.43 | 191.63 | 60,727.43 |
261 | 1,616.07 | 1,428.82 | 187.24 | 59,298.60 |
262 | 1,616.07 | 1,433.23 | 182.84 | 57,865.37 |
263 | 1,616.07 | 1,437.65 | 178.42 | 56,427.72 |
264 | 1,616.07 | 1,442.08 | 173.99 | 54,985.64 |
265 | 1,616.07 | 1,446.53 | 169.54 | 53,539.11 |
266 | 1,616.07 | 1,450.99 | 165.08 | 52,088.12 |
267 | 1,616.07 | 1,455.46 | 160.61 | 50,632.66 |
268 | 1,616.07 | 1,459.95 | 156.12 | 49,172.71 |
269 | 1,616.07 | 1,464.45 | 151.62 | 47,708.26 |
270 | 1,616.07 | 1,468.97 | 147.10 | 46,239.29 |
271 | 1,616.07 | 1,473.50 | 142.57 | 44,765.80 |
272 | 1,616.07 | 1,478.04 | 138.03 | 43,287.76 |
273 | 1,616.07 | 1,482.60 | 133.47 | 41,805.16 |
274 | 1,616.07 | 1,487.17 | 128.90 | 40,317.99 |
275 | 1,616.07 | 1,491.75 | 124.31 | 38,826.24 |
276 | 1,616.07 | 1,496.35 | 119.71 | 37,329.89 |
277 | 1,616.07 | 1,500.97 | 115.10 | 35,828.92 |
278 | 1,616.07 | 1,505.59 | 110.47 | 34,323.32 |
279 | 1,616.07 | 1,510.24 | 105.83 | 32,813.09 |
280 | 1,616.07 | 1,514.89 | 101.17 | 31,298.19 |
281 | 1,616.07 | 1,519.56 | 96.50 | 29,778.63 |
282 | 1,616.07 | 1,524.25 | 91.82 | 28,254.38 |
283 | 1,616.07 | 1,528.95 | 87.12 | 26,725.43 |
284 | 1,616.07 | 1,533.66 | 82.40 | 25,191.76 |
285 | 1,616.07 | 1,538.39 | 77.67 | 23,653.37 |
286 | 1,616.07 | 1,543.14 | 72.93 | 22,110.24 |
287 | 1,616.07 | 1,547.89 | 68.17 | 20,562.34 |
288 | 1,616.07 | 1,552.67 | 63.40 | 19,009.67 |
289 | 1,616.07 | 1,557.45 | 58.61 | 17,452.22 |
290 | 1,616.07 | 1,562.26 | 53.81 | 15,889.96 |
291 | 1,616.07 | 1,567.07 | 48.99 | 14,322.89 |
292 | 1,616.07 | 1,571.91 | 44.16 | 12,750.98 |
293 | 1,616.07 | 1,576.75 | 39.32 | 11,174.23 |
294 | 1,616.07 | 1,581.61 | 34.45 | 9,592.62 |
295 | 1,616.07 | 1,586.49 | 29.58 | 8,006.13 |
296 | 1,616.07 | 1,591.38 | 24.69 | 6,414.75 |
297 | 1,616.07 | 1,596.29 | 19.78 | 4,818.46 |
298 | 1,616.07 | 1,601.21 | 14.86 | 3,217.25 |
299 | 1,616.07 | 1,606.15 | 9.92 | 1,611.10 |
300 | 1,616.07 | 1,611.10 | 4.97 | 0.00 |