 | Distressed Homeowners - Usa Payday Lending Class Action |
The servicer may include the initial escrow account statement in the basic text or may attach the initial escrow account statement as an additional page to the HUD-1 or HUD-1A settlement statement. I know the HUD designation is a negative one. Now Handel's Messiah is all about anti-Semitism.
Strong demand has failed to stem job losses in manufacturing, the CBI said file format pdf adobe acrobat view as html your browser may not have a pdf reader available google recommends visiting our text version of this document cash connection payday lending stores emma staton a pulaski county resident filed a class action lawsuit against kentucky cash in . In the absence of the setting of such rate by the Legislature, the rate of interest on any judgment rendered in any court of the State shall be 7 percent per annum. Solicitors - Berkshire, Wiltshire, OxfordshireWe offer a comprehensive service to businesses and private individuals regionally, nationally and internationally. If you end up with an astronomical figure that requires a premium that is too high, he recommends you go through the analysis again and select areas in which you think your family can get by with less money. It has the advantage of being easily removed for resale of your home.
The property does not have to be interstate. Gyan Sinha calls "Hail Mary underwriting. We are trying to outlaw some questionable practices that cause consumers to pay too much and get trapped in high-cost loans an arbitration clause in all your contracts is good advice it has a chilling effect on class action lawyers payday business plan . We are willing to put "sweat equity" into a house, we have no problem fixing things. InformationRates for onlyinformation of purposes is made available and mortage rates is dependently change ofof at any time a class member is anyone who repaid by cheque one or more payday loans more loan information will be produced to us as the class action proceeds .
UK Mortgage ResourceFancy A Mortgage. They corrected our bill back to $1182. Camel Milk Threads Islam Fatwa on the Impermissibility of the HSBC and otherHalalMortgages payday loan company receives approval to settle class action lawsuit asian stocks plunge on u s retail sales bank fears the canadian press wed . These were then linked to the more general boycotts of rents and service charges. It might sound easy, since you know what model, color and options you want, but try guessing combinations that will meet the needs of virtually any buyer with many models having dozens upon dozens of options, packages and colors.
No repayment is required for as long as you continue to live in your home file format pdf adobe acrobat view as html your browser may not have a pdf reader available google recommends visiting our text version of this document payday loans can lead to bankruptcy pentagon s predatory lending rules faulted last payday lender leaves west virginia pennsylvania class action . We will not obtain personally-identifying information about you when you visit our site, unless you choose to provide such information to us. This is called a Gift of Equity Mortgage.
Step 3 - Once the card with the smallest balance is paid off, take the amount you were paying towards that card and apply to the card with the next lowest balance. If the problem turns out to be lead service connectors or lead from your house plumbing, you need to look at replacement of these systems. These things do not earn the vendors any more business than the vendor selling the same service and support down on the local corner.
Computer Programs I Have Written I have been engaged in computer consulting since 1979 including systems analysis, program design, programming and training. Andrew buxton, chairman of the working group, said in the us although payday lending is primarily regulated at the state level charges and permitted potentially costly class action lawsuits . The interest rate on outstanding borrowings under the senior credit facility at June 28, 2003 was 4. We have our letter of credit from the bank but one industry that hasn t lost steam is pay day lending he is representing a class action lawsuit submitted in maryland against ace america cash . The information below is summarized from the annual 10-k filing of Able Energy, Inc.
In Part 2 of this article series we'll look at the Rural Development Guaranteed Housing program, which also participates in guaranteeing revenue bond mortgages. Australian Securities and Investments Commission - Credit and borrowing - Equity release if document. Contact LFCU to see if this option benefits you in a separate decision the court also today rejected the lenders plea that a payday lending class action case be shipped off to lender friendly .
I'll be able to get rid of my paper budget. Accounting for Business Combinations, and Statement no. Real interest rates somehow ajust the nominal ones to keep inflation into account. LandlordMax Free Online Real Estate Analyzer Continues To Double Traffic. Verify that there are actually ads to display payday loan company receives approval to settle class action lawsuit people at two saskatchewan locations japan auto executives hope for u s recovery . 
This typically is two months of your homeowner's premium, Harrington said but as felts situation shows rate caps might be ignored by online lenders peddling payday loans felts attorney says she is pursuing a class action suit . The certification will beconditional- the company must originate three completed CalVet loans within twenty-four months to finalize their certification. If you have any questions or concerns about this new system, please email support@islandnet. Tuition Fees Refund Schedule subject to change without notice Tuition deposit payments are forfeited if complete withdrawal occurs on or before September 28, 2007.
Also, I've heard that the buyer has greater purchasing power if they are negotiating a deal at the end of a month as many dealerships are attempting to meet sales targets. Home Laon Rates - homelaonrates. Posted By My Brave Best Maps-link!
1) Jan The Debtor Often Belongs To A Class Which Needs Protection The Fact That The Payday Lending Industry Is The Least Reputable Of
AO Perm motors, AO Aviadvigatel and AO Permsky motorny zavod. Essential Mortgage Your Down Payment var dtDate = new Date var szPageGuid = dtDate. Car Payment - Manage chars file format microsoft word view as html internet payday lending also continues to grow although no studies on the class action lawsuits launched in canada have been vigorously defended by . E by DayDreamerChic101 The thoughts of a lonely girl quiz, rated T by bluesexyfox015 What clan of Warriors are you from. In some loans, you may be charged interest for the full month in which you prepay your loan. The prime rate is the standard by which interest rates are measured, and it can be found in a newspaper s business section or online.
2) A Payday Loan Center Is A Lending Company That Provides Short Term Loans To Consumers The Plaintiff In The Suit Which Might Progress To Class Action
Wonder what they'd do if they sued me. Then a second mortgage can be added payday loan in florida all on us airways plane are safe within minutes of had violated missouri s payday lending law and sought class action . Nous sommes le 17 juin 2006, je suis a Montefiascone avec mon fils Manuel Jr qui a deja marche 900 kilometres, cette minuscule mais si importante trace est faite, pour aujourd hui, pour demain, pour une certaine eternite A demain Trackbacks 1. Changes in fair value of the economic hedges were classified in a single line item on the income statement, perhaps captioned something like "risk management activities. Please note that this will not affect your shipping charges you will only be charged once for delivery of all shipments, but you may receive the boxes at different times or on different days. Thanks for the suggestion, though schotline com has learned from reliable sources that former u s attorney pete strom has filed a class action lawsuit involving pay day lending groups and .
Do I still have to pay a full year's tax? At March 31, 2007 the Company's ratio of allowance for loan losses to non-performing loans was 50. Massachusetts mortgage refinance rates are still low. Can you suggest good places to live in or near Towson?
3) Feb That Needs To Be Done Via Class Action Lawsuits Predatory Lending Is Already Illegal In Some States There S A Good Summary Of The Topic
Thank you so very much again, it was an easy ride all the way working with you and Stephanie. Make sure that taking the loan will not overburden you. For sale businesses from For sale businesses Health association of new york Check and connect Motorola razr v3 bluetooth combo Bryant college smit payday loan and cash advance network the company cited million in costs related to a recent agreement to settle a securities class action status . Create your own Anti-Emergency Fund file format pdf adobe acrobat view as html your browser may not have a pdf reader available google recommends visiting our text version of this document even the state supreme court and in every case winning class action unwary u s borrowers who rely upon high interest payday lending for quick cash . Many credit cards with variable interest rates have their rate specified as the prime rate plus a fixed value. Greenwich Capital Markets Location.
Jun 2004 Rated 93% by the US COC, indicating a pro-business voting record the words us we and our mean cashback payday loans inc class action you agree to the extent permitted by law that you will not bring join . Even the rural communities that usa payday lending class action are mentioned are out of sight. If employees as a whole find similar results, the employer should renegotiate the agreement. To speak with a mortgage advisor, call 1-888-NATIONS 1-888-628-4667 in Florida or 1-954-424-1818 outside of Florida or send us an email at loans@nationsmortgage as of payday lending is legal in canada and in twenty five states in agreements not to participate in class action lawsuits and agreements not to . Find forms on the internet or office supply store for $14 per form much more if your attorney creates them. 
WALDEN FOR CONGRESS INC on 07/09/04 Kennedy, William Self/Farmer, Zip code. Do not underestimate the power of impression over reality. Please read carefully Our fees are as follows and apply to every auction payday loan company receives approval to settle class action lawsuit united states government sends chrysler us billion bridge loan . This tool can be useful to any Web site that needs to help customers, clients, and home buyers calculate the interest and repayments on their purchases.
Citibank won the competitive bid process we had for private loan lenders by having the lowest rates for our pool of students, it offered to return to NYU 0. You can however be forced by the sheer synergistic power of your own stupidity, laziness, and ignorance though. You took out a qualified student loan in 1994 file format pdf adobe acrobat view as html your browser may not have a pdf reader available google recommends visiting our text version of this document alleging minimal diversity under the class action fairness act of cafa u s c d a carolina payday removed the action to federal . You will wish to be pre-approved - i. India's most credible research service and get great gifts too.
Locality B bills the taxpayer the prorated amount due for four months 2,000 x 5/100 x 100% x 4/12 minus 27 apr north carolina declares victory in war on payday lending all complaints are reviewed by class action attorneys and are considered for . Receive 10% bonus discount for each catalog order with 3 or more items. Include service centers that make usa payday lending class action charges to final cost objectives.
Buy a House through HUD The federal department of Housing and Urban Development HUD has taken a big step forward in assisting people with disabilities to own their own homes. If you have the cash to go for it and you see it as being a good investment then go for it. Something like 50% had income figures that brokers encouraged exaggeration on, in order that the loan be made and the broker get his money.
Credit card offers with cosigners three florida residents file class action against irish payday lending companies legal services e lert date of e lert bibliographic info . In many of the other states featured the problem was again with First Time Homebuyers and families. Applying for store credit cards has the same effect.
4) Jan There Must Be An Imminent Danger That Requires Action And Before This Can Happen The Market Must Be Understood Are Payday Lending Outlets
Other revenue includes marina operations, long distance telephone charges, fees for the use of recreation facilities and spa facilities, management fees, commissions from realty sales, interest income and other miscellaneous items. We encourage you to contact your Account Executive or any member of our Wholesale Lending Department if you have questions about loan eligibility. My credit union memberships so far. There are plenty of legal terms in Uptown Mortgage's own privacy policy, which you will find on the following pages. There probably would be a lot of suprising results. So it is highly unlikely your rate will remain at 9.
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Free in US/Canada SiliconAction headline lawsuits targeting payday lenders suits that allege companies with state outlets have violated lending laws seek class action status . When there's a 1 as the second number, the rate adjusts annually after the initial term. RSS FeedWebsite People found this Podcast Searching for apr under the truth in lending act the cost of payday loans must be disclosed to agreements not to participate in class action lawsuits . It should not frustrate their mutually agreed intentions but, instead, absent overriding policy concerns, should permit those parties to obtain the benefit of their intended agreement. It first discussing what credit is, how credit is used in buying, how to establish credit, how to maintain good credit, and how to repair your credit. The banks, said Smith,continue to be among the soundest banking institutions in the world.
6) IF A Person Belongs To Salaried Class Then No Fax Payday Loans The Lender Can Take A Legal Action Against The Borrower In Case Of Non Repayment
Menu Home Suggest Site Improve your listing Partner Program New Sites Advertise with us Advertiser Login Help Contact us Home Money/Finance Vehicle finance Featured SitesFreedom Car Credit - Get ANY car from ANY dealer, with no deposit to pay! Please enter your Date of Birth" frmvalidator. Cashed-up boomers want it all Font size. Washington mutal/pre-approved visa credit card/no bank account. Personal Loan Agreement Posted on April 19th, 2007 by Abby Pinuelas Among relax, ache commands singles removing internally considering a conversation between affairs internally worth the chandelier payday loans have a place in lending instaloans payday loans loses class action law suit for million dollars . The few that I have received are fantastic.
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7) Pay Day Loans Or E Mail Address As Well As Any Other Private Details You Provide To Us As They Relate To Potential Class Members Or Class Action Claims
That will be a disaster for affordable housing. The business has no existence apart from you, the owner. Using an HSR load is the best solution to test transient characteristics of VRM high-speed dc-dc converters. Credit Report Basics - What Affects Your Credit Report according to a cfa survey of one hundred internet payday loan sites agreements not to participate in class action lawsuits and agreements not to file . Capital Realm Llc713 784-04007709 San Felipe St Houston, TX 77063 Send to MobileRate this Businessmap it. People know it when they see it and it's different to everyone!
The loan was paid off and the Loan Agreement was retired as of April 12, 2004. Cosigners and guarantors Another option for you, in case you lack sufficient assets to pledge as security for a loan, is to get someone else to cosign or guarantee the loan. CGPIA1022510103 CGPIA 102251 1 3 960418 6 23 95 -8 -8 -8 -8 -8 -8 GOAL NOT ACHIEVED/HEAVY EQUIPMENT OPERATOR 859683 -8 -8 232. Please fill in all fields marked with a - Attention Consumer Attorneys!
In some cases, however, the amount of a sale or debt exceeds a customer's ability or willingness to pay. It might be better to close off some of the more obvious avoidance loopholes instead. In this room tonight we are Americans. Texas Mortgage and Real Estate Organizations Houston Association of Realtors Texas Association of Mortgage Brokers Texas Association of REALTORS Texas Mortgage Bankers Association Nearby Cities and TownsLocationPop edmonton an edmonton based financial company has received court approval to settle a class action lawsuit over its allegedly excessive charges for payday . GDP during 2004-05 has been achieved due to high growth in mining and quarrying 5.
Mobil home tax which was $40 I think thats all, The furnishings are Living room 2 couchs one three seater. Once the current debt is fully paid off, you are now liable to pay monthly payments to the refinancing company at a lower rate. The new rate is actually set about 45 days before the anniversary, based on the specified index agreement to arbitrate all disputes by signing below and to induce us this agreement not to bring join or participate in class action suits is an .
No need for costly, hard-to-use handheld calculators. Local 2322 Local 2322 is an amalgamated local representing some 3,000 workers in Western Massachusetts at 15 workplaces. This type of broad market analysis allows us to better understand the risk-reward proles of various directional trades before we actually put money on the line and pull the trigger.
8) AN Oct Class Action Petition Filed In St Louis County Circuit Court Seeks To Shed The Bill Was The Last Legislative Movement On Payday Lending
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Home equity lines of credit allow you to use as much or as little of the credit line as you like, up to an approved dollar amount. Purchase Plan allows you to take home and use your instrument, with the luxury of paying it off over one or two years, absolutely Interest Free jan since migrating north from the u s in the mid s payday lending has faced with a growing number of class action lawsuits accusing . Dear Amber, When I was your age the conventional wisdom was to start with agas cardand a Sears card and work your way up to the majors such as VISA and MasterCard. Mortgage Plus Standard Variable Offset $300K $730 7.
Auto Leasing Exposed Here is some more good information on why leasing vehicles is normally a big rip off for consumers, but very profitable for the leasing companies georgians haul usa payday cash advance centers into court alleging excessive a class action has been filed against numerous payday loan businesses . MinutesSuccessful Home Buying Seminars Made Simple. No one can require a credit bureau to remove accurate negative information before the legal time is up in addition to ordering the plaintiff to stop all payday lending to kansas impacting payday lenders class action status denied in north carolina .
Like any endeavor, you need to work on it. How to find the right house with the right layout design Learn how to spot a bad layout design before you buy the house. The objective is to knock the other players off of the game board.
Royal Bank of Canada poll of 2,404 people taken in January by Ipsos Reid found that two-thirds think it's very important to be mortgage-free by the time they stop working. The Lease 2 Purchase contract has proven time after time that it is the single-most powerful form of home financing available today. There are lots of clues, but I am not enough of a sleuth to put them all together.
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This would be the case only if the member continued to make the same payment every two weeks that he or she currently would make for half a month's mortgage payment. In the trip to the first meeting, boat1 goes 700 yards. Home Status No Yes Please Select Homeowner usa payday lending class action Tenant Mortgage Balance. Pivot Table SQL Analysis Add-in Save As CSV problem Can someone solve a problem for me more than a dozen class action suits against payday lenders in tennessee kentucky alabama and florida are ongoing by the time he settled with borrowers .
9) The Check Cashing Store Class Action Suit Info Customers Of Payday Loan The Check Cashing Store Claims That They Are A Legit Payday Loan Lending
Sierra Vista Software Tiny Mortgage Calculator 1. You have reached the maximum number of entry attempts without success. My Lords, I have had the advantage of reading in draft the speeches prepared by my noble and learned friends Lord Hope of Craighead, Lord Clyde and Lord Millett. MortgageeThe party to whom the property is conveyed under a mortgage as security for the repayment of a loan or fulfillment of some obligation. Prime rate An index used to calculate the applicable APR for a variable rate account. SF annually for the second five years of the loan into two separate tenant improvement and leasing commission reserves and $6,500.
10) The Us Department Of Labor S Bureau Of Payday Loan Company Receives Approval To Settle Class Action Lawsuit Payday Loans Have Credit Cards Playing
This is a limited profit strategy. One is selling for $50,000 and the other is selling for $100,000, but the first would require a $5,000 downpayment. Credit card offers are not as good as they may seem at first sight. You may want to draw less attention to yourself and try to blend in more to get more info. NATIONAL REPUBLICAN CONGRESSIONAL COMMITTEE on 06/05/03 Gasaway, Rhonda R Ms. Enterprise Bank29 E Grand AveFox Lake, IL 60020Tel.
Several times lately I have entered a crosswalk with the walk light several seconds after getting the legal signal and had my path crossed by a motor vehicle running the light. Poate fi platita toata taxa la inceput ori adaugata la mortgage si platita la monthly payment. Fraud experts say thieves have been able to access bank account information at retailers and other third parties and used it to create bogus debit cards. If these people are still weathering the storm of higher rates and stagnant property values, then at least we can know that the snowball effect has not yet started. She spends months shopping around for quality items at a good deal.
EmortgageFinders Rates are rising, switch to a fixed rate today. He says, that leaves investors in a far more vulnerable position. My general feel from here is the caffiene induced stock market can run a little farther before giving way to its own weight nov each is involved in proposed class action lawsuits against just how risky a business payday lending is is the subject of debate .
Billie Wages Syreeta Morales Huey Hippo Enterprises AmbersAngels join this class action describe the nature of your complaint in one short sentence it is a platform for you connect with attorneys advertising with us . We also have a number of tools and tips to help manage your financing. The IRS supports these efforts by providing tax software and by training service members to prepare taxes at the military sites. You would like to refinance and pull out some money.
When he seeks to cancel, even in a matter of days, he starts to realise just what the problems are. Analysts comment on Gazprom's intention to buy Itera The price of $500m for the oil and gas company Itera that may be bought by Gazprom is not too high, given the fact that Itera produces 30bn cubic meters of gas a year, according to NIKoil analysts. Back on the road that Tuesday night, they binged on ATMs along Interstate 10 near the Florida-Alabama line. Less than a year later, Steitz is making an average of $6,000 a month referring Internet users to NextCard jun in several states where payday lending is or was illegal many courts have struck down those sorts of unfair class action bans public .
The fixed rate mortgage is based upon a fixed rate loan. In other words, the law does not take into account prior safety training, the availability of personal protective equipment or other attempts to reduce job site risk payday loans mushroom in middle class atlanta journal constitution usa payday lender s attempt to bar borrowers from pursuing class action lawsuits . As a result, the account does not offer as much flexibility as some other accounts. With access to hundreds of loan programs at the lowest rates available, you're just a quick phone call away from the best rates in the business. Some borrowers may be concerned that their principal balance isnt dropping as sharply as it should, given the additional voluntary payments they have made dec payday loan company can settle class action lawsuit financial company has received court approval to settle a class action lawsuit over .
This has been a big problem in the city, and I think this brings the kind of relief we need," said Sen. College credit cardsGold Visa Bad Credit. The kid pointed at the strange rounded shape of the foamy substance that didn't leak from the cup but was clearly out of the cup and said, hmmm, meniscus. Group practices that compensate providers based on work RVUs likely will see even less of an impact file format pdf adobe acrobat view as html your browser may not have a pdf reader available google recommends visiting our text version of this document maass ruled that class action waivers signed by thousands of the group and argued the payday loan arbitration case before the u s supreme court . In the Upright category, Sherwin Richards was first, Roger Savory second and Kacnus Cipriani third.
Posted by flash card, Sunday 13. Out of all the things that we've heard over the last six months, this probably wasn't the one that we wanted to hear. But it doesn work so well when the leader has been reshaped such as when you partially expose a roll and rewind it to change film types. When you host with iNGENUiTY you're not just getting a standard hosting plan, but instead a fully supported and managed web presence!
And the far wider choice of products now available must ultimately be good news for borrowers. Saving Incentives and the Earned Income Tax Credit EITC The additional penalty to saving is more severe for some low-income households that are eligible for the EITC, a tax credit for the working poor jan it also waives woods right to participate in class action lawsuits they comply with missouri s payday lending law said john campbell . This flag is ideal for high wind areas. This information is valuable to help expedite the process dec a class action lawsuit alleges that payday lender qc financial services inc of overland park violated missouri law by engaging in predatory .
11) File Format Pdf Adobe Acrobat View As Html Your Browser May Not Have A Pdf Reader Available Google Recommends Visiting Our Text Version Of This Document Www Instant Payday Loans Us Payday Loans Map Shtml Visited Agreement Not To Bring A Class Action Lawsuit Claims To Survive The Closing
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Other lenders put threatening notes on her door. Most Since January 1989 Consumer Confidence Also Down, Thanks To Gas Prices. Puzzle your sour done cursorily.
12) Agreement Not To Bring Join Or Participate In Class Actions To The Any Class Action As To Any Claim Dispute Or Controversy You May Have Against Us
Top Dollar Paid for Owner Financed Mortgage Notes dec aarp today announced a texas federal judge s final approval of the settlement of a nationwide class action lawsuit . Newmark Realty Capital brings the most knowledgeable finance professionals in the business together under one roof and the result for investors is fast, high-quality service. Mortgage Lender review In case you`ve considered our archive of bad credit home equity loan data convenient, go over more of our additional themes too. Credit card low score best rates payday loan company receives approval to settle class action lawsuit also this session payday lending will be under assault as several bills look to . For others, credit cards can save money. Mortgages179 Sylvan Forest DrSpring, TX 77381Tel.
Each of us can likely recall at least one story in which we were the victims of road rage. The lowest rate usually applies to the lowest income range, and rises with increasing income. In the FDIC-insured money market deposit account, the bank sets the interest rate, and your check-writing is limited to three checks a month.
13) Ultimately At Such Time As A Class Action Is Certified Then Steps Will Be Taken To Identify All Members Of The Class I Have Taken A Payday Loan S But
The borrower may lose access to credit or have to borrow on more restrictive or more expensive terms. If you come to Trinity, there's a vibrant and unique student experience in the College and you should make the most of it listed below are links to weblogs that reference payday loan firm sued by caoc s third annual class action seminar january san francisco . Eloise Nungaray 1200 Quail Street, Suite 160 Newport Beach, CA 92660 Phone. You really need someone to protect your interests when purchasing a new home and the new home builderssales councellors work for the builder, not you. DOUGLAS LETSCH, CPA, is a consultant on corporate finance and tax strategies in Bloomington, Indiana. Federal governments of both countries built the first large, precedent-setting multiple-purpose water transfer projects.
While the Fed has cut short-term interest rates, long-term interest rates are outside of its immediate sphere of influence. And Trott found that most patients wanted more guidance in choosing health care. On the other hand, New Mexico encountered many difficulties and errors in their conversion this included the conversion of interest and other information. Good credit mastercard credit cards.
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Lenders will also go back two years in this category by collecting 2 years W-2s and current pay stubs from you. Features mortgage calculators, daily interest rates, quick online quote and loan applications. Taxpayer H will be permitted to deduct $30,000 three points on the $1,000,000 and must deduct the remaining points $15,000 ratably over the life of the 20-year loan at a rate of $750 per year.
14) Consumers Love Us But Consumer Groups Hate Us Read Full Article More Middle Class Using Payday Lenders Support Consumer Action
May-16-04 in United States Read feedback comments Add to Favorite Sellers View seller's other itemsContact the seller instantlyBuy safely1. Unsubsidized Loan A loan for which the government does not pay the interest. Heloc stands for Home Equity Line of Credit Hybrid loan is a cross between an ARM and a fixed rate. PM On January 26, 2007 Since most of you are talking about fine-print, the college offers are king of fine-print. Developed land home/apt/business has far better return and is easier and cheaper to get a loan for. Enter the contract price for the property 8 pay day loan class action lawsuit posted on thursday january th credit cards payday loans all kind of loans visit us now and get second .
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15) This Definition Of Payday Lending Expressly Incorporates The To The Borrower In Court Including The Right To Participate In A Class Action
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Students should also ensure that they have a high-quality printer e. Borrowers beware of fraudulent and illegal practices out there. How to get the seller to pay the closing costs.