REAL ESTATE sp against said real estate and is offered for sale without any representation as to quality or quantity of title and without recourse to Plaintiff and in "AS IS" condition. The sale is further subject to confirmation by the court. Upon payment in full of the amount bid, the purchaser will receive a Certificate of Sale that will entitle the purchaser to a deed to the real estate after confirmation of the sale The property will NOT be open for inspection and plaintiff makes no representation as to the condition of the property. Prospective bidders are admonished to check the court file to verify all information. If this property is a condominium unit, the purchaser of the unit at the foreclosure sale, other than a mortgagee shall pay the assessments and the legal fees required by The Condominium Property Act, 765 ILCS 605/9(g)(1) and (g)(4). If this property is a condominium unit which is part of a common interest community, the purchaser of the unit at the foreclosure sale other than a mortgagee shall pay the assessments required by The Condominium Property Act, 765 ILCS 605/18.5(g-1). IF YOU ARE THE MORTGAGOR (HOMEOWNER), YOU HAVE THE RIGHT TO REMAIN IN POSSESSION FOR 30 DAYS AFTER ENTRY OF AN ORDER OF POSSESSION, IN ACCORDANCE WITH SECTION 151701(C) OF THE ILLINOIS MORTGAGE FORECLOSURE LAW. For information, contact Plaintiff's attorney: HAUSELMAN, RAPPIN & OLSWANG, LTD., 39 South LaSalle Street - Suite 1105, CHICAGO, IL 60603, (312) 372-2020. Please refer to file number 12-2222-20396. I540985 June 13, 20, 27, 2013 Suburban Life Media STC IN THE CIRCUIT COURT FOR THE 16TH JUDICIAL CIRCUIT KANE COUNTY GENEVA, ILLINOIS BankFinancial, FSB, PLAINTIFF Vs. George M. Dickson a/k/a George Dickson a/k/a George Michael Dickson; et. al., DEFENDANTS 12 CH 02285 NOTICE OF SHERIFF'S SALE OF REAL ESTATE PUBLIC NOTICE IS HEREBY GIVEN that pursuant to a Judgment of Foreclosure and Sale entered in the above cause on 4/2/2013, Patrick B. Perez, the Sheriff of Kane County, Illinois will on 7/18/13 at the hour of 9:00AM at Kane County Judicial Center, 37W777 Route 38, Room JC 100 St. Charles, IL 60175, or in a place otherwise designated at the time of sale, County of Kane and State of Illinois, sell at public auction to the highest bidder for cash, as set forth below, the following described real estate: PIN 12-14-329-007 Improved with Single Family Home COMMONLY KNOWN AS: 642 Maves Drive Batavia, IL 60510 Sale terms: 10% down of the highest bid by certified funds at the close of the auction; The balance, including the Judicial sale fee for Abandoned Residential Property Municipality Relief Fund, which is calculated at the rate of $1 for each $1,000 or fraction thereof of the amount paid by the purchaser not to exceed $300, in certified funds, is due within twenty-four (24) hours. The subject property is subject to general real estate taxes, special assessments, or special taxes levied against said real estate and is offered for sale without any representation as to quality or quantity of title and without recourse to Plaintiff and in "AS IS" condition. The sale is further subject to confirmation by the court. If the property is a condominium and the foreclosure takes place after
pla 1/1/2007, purchasers other than the mortgagees will be required to pay any assessment and legal fees due under The Condominium Property Act, 765 ILCS 605/9(g)(1) and (g)(4). If the property is located in a common interest community, purchasers other than mortgagees will be required to pay any assessment and legal fees due under the Condominium Property Act, 765 ILCS 605/18.5(g-1). If the sale is set aside for any reason, the Purchaser at the sale shall be entitled only to a return of the deposit paid. The Purchaser shall have no further recourse against the Mortgagor, the Mortgagee or the Mortgagee's attorney. Upon payment in full of the amount bid, the purchaser shall receive a Certificate of Sale, which will entitle the purchaser to a Deed to the real estate after Confirmation of the sale. The successful purchaser has the sole responsibility/ expense of evicting any tenants or other individuals presently in possession of the subject premises. The property will NOT be open for inspection and Plaintiff makes no representation as to the condition of the property. Prospective bidders are admonished to check the Court file to verify all information. IF YOU ARE THE MORTGAGOR (HOMEOWNER), YOU HAVE THE RIGHT TO REMAIN IN POSSESSION FOR 30 DAYS AFTER ENTRY OF AN ORDER OF POSSESSION, IN ACCORDANCE WITH SECTION 151701(C) OF THE ILLINOIS MORTGAGE FORECLOSURE LAW. For information: Examine the court file or contact Plaintiff's attorney: Codilis & Associates, P.C., 15W030 North Frontage Road, Suite 100, Burr Ridge, IL 60527, (630) 794-9876. Please refer to file number 14-12-18078. I537770 June 6, 13, 20, 2013 Suburban Life Media BAT IN THE CIRCUIT COURT FOR THE 16TH JUDICIAL CIRCUIT KANE COUNTY GENEVA, ILLINOIS Wells Fargo Bank, NA, PLAINTIFF Vs. Frank W. Conroyd a/k/a Frank Conroyd; et. al., DEFENDANTS 12 CH 02705 NOTICE OF SHERIFF'S SALE OF REAL ESTATE PUBLIC NOTICE IS HEREBY GIVEN that pursuant to a Judgment of Foreclosure and Sale entered in the above cause on 1/29/2013, Patrick B. Perez, the Sheriff of Kane County, Illinois will on 7/11/13 at the hour of 9:00AM at Kane County Judicial Center, 37W777 Route 38, Room JC 100 St. Charles, IL 60175, or in a place otherwise designated at the time of sale, County of Kane and State of Illinois, sell at public auction to the highest bidder for cash, as set forth below, the following described real estate: PIN 09-10-303-023 (09-10-303-013 underlying) Improved with Residential COMMONLY KNOWN AS: 6N311 Route 31 Saint Charles, IL 60175 Sale terms: 10% down of the highest bid by certified funds at the close of the auction; The balance, including the Judicial sale fee for Abandoned Residential Property Municipality Relief Fund, which is calculated at the rate of $1 for each $1,000 or fraction thereof of the amount paid by the purchaser not to exceed $300, in certified funds, is due within twenty-four (24) hours. The subject property is subject to general real estate taxes, special assessments, or special taxes levied against said real estate and is offered for sale without any representation as to quality or quantity of title and without recourse to Plaintiff and in "AS IS"
condition. The sale is further subject to confirmation by the court. If the property is a condominium and the foreclosure takes place after 1/1/2007, purchasers other than the mortgagees will be required to pay any assessment and legal fees due under The Condominium Property Act, 765 ILCS 605/9(g)(1) and (g)(4). If the property is located in a common interest community, purchasers other than mortgagees will be required to pay any assessment and legal fees due under the Condominium Property Act, 765 ILCS 605/18.5(g-1). If the sale is set aside for any reason, the Purchaser at the sale shall be entitled only to a return of the deposit paid. The Purchaser shall have no further recourse against the Mortgagor, the Mortgagee or the Mortgagee's attorney. Upon payment in full of the amount bid, the purchaser shall receive a Certificate of Sale, which will entitle the purchaser to a Deed to the real estate after Confirmation of the sale. The successful purchaser has the sole responsibility/ expense of evicting any tenants or other individuals presently in possession of the subject premises. The property will NOT be open for inspection and Plaintiff makes no representation as to the condition of the property. Prospective bidders are admonished to check the Court file to verify all information. IF YOU ARE THE MORTGAGOR (HOMEOWNER), YOU HAVE THE RIGHT TO REMAIN IN POSSESSION FOR 30 DAYS AFTER ENTRY OF AN ORDER OF POSSESSION, IN ACCORDANCE WITH SECTION 151701(C) OF THE ILLINOIS MORTGAGE FORECLOSURE LAW. For information: Examine the court file or contact Plaintiff's attorney: Codilis & Associates, P.C., 15W030 North Frontage Road, Suite 100, Burr Ridge, IL 60527, (630) 794-9876. Please refer to file number 14-12-20924. I536077 June 6, 13, 20, 2013 Suburban Life Media STC IN THE CIRCUIT COURT OF THE 16TH JUDICIAL CIRCUIT KANE COUNTY GENEVA, ILLINOIS GREEN TREE SERVICING LLC, PLAINTIFF vs. LYLE D. CORTINO; DEFENDANT Address: 1720 S. 5th Pl. St. Charles, Illinois 60174 Judge Leonard J. Wojtecki 12 CH 2988 NOTICE OF SHERIFF'S SALE OF REAL ESTATE PUBLIC NOTICE IS HEREBY GIVEN that pursuant to a Judgment of Foreclosure and Sale entered in the above cause on December 27, 2012, I, Sheriff of Kane County, Illinois, will on July 18, 2013 at the hour of 9:00 AM at the Kane County Judicial Center, 37W777 Route 38, St. Charles, IL 60175, Room JC 100, or in a place otherwise designated at the time of sale, County of Kane, State of Illinois, sell at public auction to the highest bidder for cash, as set forth below, the following described real estate: COMMON ADDRESS: 1720 S. 5th Pl., St. Charles, Illinois 60174 P.I.N.: 09-35-378-005 The real estate is improved with a single family residence. THE JUDGMENT AMOUNT WAS: $180,061.27 Sale terms: 10% down by certified funds; the balance, by certified funds, is due within twenty four (24) hours. The subject property is subject to real estate taxes, special assessments or special taxes levied against said real estate and is offered for sale without any representation as to quality or quantity of title and without recourse to Plaintiff
and in "as is" condition. The sale is further subject to confirmation by the court. Upon payment in full of the amount bid, the purchaser shall receive a Certificate of Sale, which will entitle the purchaser to a Deed to the real estate after Confirmation of the sale. The property will NOT be open for inspection and Plaintiff makes no representations as to the condition of the property. Prospective bidders are admonished to check the Court file to verify all information. Pursuant to 735 ILCS 5/151512, the amounts of any surplus bid will be held by the sheriff until a party obtains a Court Order for its distribution, or for 60 days following the date of the entry of the order confirming sale, at which time, in the absence of an order directing payment of the surplus, it may be automatically forfeited to the State without further notice. If this property is a condominium unit, the purchaser of the unit at the foreclosure sale, other than a mortgagee shall pay the assessments and the legal fees required by The Condominium Property Act, 765 ILCS 605/9(g)(1) and (g)(4). IF YOU ARE THE MORTGAGOR (HOMEOWNER), YOU HAVE THE RIGHT TO REMAIN IN POSSESSION FOR 30 DAYS AFTER ENTRY OF AN ORDER OF POSSESSION, IN ACCORDANCE WITH SECTION 151701(C) OF THE ILLINOIS MORTGAGE FORECLOSURE LAW. For information: Examine the court file or contact Plaintiff's attorney: Johnson, Blumberg & Associates, LLC, 230 W. Monroe Street, Suite 1125 Chicago, Illinois 60606 Ph. 312-541-9710 Please refer to file number IL 12 2167. Sheriff of Kane County, Illinois Johnson, Blumberg, & Associates, LLC 230 W. Monroe Street, Suite 1125 Chicago, Illinois 60606 Ph. 312-541-9710 Fax 312-541-9711 JB&A # IL 12 2167 I521202 June 6, 13, 20, 2013 Suburban Life Media STC IN THE CIRCUIT COURT FOR THE SIXTEENTH JUDICIAL CIRCUIT KANE COUNTY ST. CHARLES ILLINOIS Fifth Third Mortgage Company Plaintiff, vs. Allison M. Koenig; Jeffrey W. Koenig; Stuart's Crossing Condominium Association; Unknown Owners and Non-Record Claimants Defendants. 714 Stuarts Drive, Saint Charles, IL 60174 Judge Leonard J. Wojtecki 12 CH 3469 NOTICE OF SALE PUBLIC NOTICE is hereby given that pursuant to a Judgment of Foreclosure and Sale entered in the above entitled cause on January 4, 2013, Kane County Sheriff will on July 11, 2013, at the hour of 9:00AM at Kane County Judicial Center, 37W777 Route 38, St. Charles, Illinois 60175, sell to the highest bidder for cash, the following described mortgaged real estate: Commonly known as 714 Stuarts Drive, Saint Charles, IL 60174 Parcel Number(s): 09-25-102-013 The real estate is improved with a Condominium. Sale terms: Bidder's must present, at the time of sale, a cashier's or certified check for 10% of the successful bid amount. The balance of the successfully bid shall be paid within 24 hours, by similar funds. The subject property is offered for sale without any representation as to quality or quantity of title and without recourse to Plaintiff and in "AS IS" condition.
Republican - Thursday, June 13, 2013 • KAN • Page 25 The sale is further subject to confirmation by the Court. The property will NOT be open for inspection. If this property is a condominium unit, the purchaser of the unit at the foreclosure sale, other than the mortgagee shall pay the assessments and the legal fees required by the Condominium Property Act, 765 ILCS 605/9(g)(1) and (g) (4). For information call Plaintiff's Attorney, Manley Deas Kochalski LLC, One East Wacker, Suite 1730, One East Wacker, Suite 1730. Phone number: 312-651-6700. Attorney file number: 12-020263. Alan S. Kaufman MANLEY DEAS KOCHALSKI LLC Attorneys for Plaintiff One East Wacker, Suite 1730 Chicago, IL 60601 Telephone: 312-651-6700 Fax: 614-220-5613 Attorney. No.: 6289893 I537643 June 6, 13, 20, 2013 Suburban Life Media STC IN THE CIRCUIT COURT FOR THE 16TH JUDICIAL CIRCUIT KANE COUNTY GENEVA, ILLINOIS JPMorgan Chase Bank, National Association, PLAINTIFF Vs. Ronald A. Clement; et. al. DEFENDANTS 12 CH 03520 NOTICE OF SHERIFF'S SALE OF REAL ESTATE PUBLIC NOTICE IS HEREBY GIVEN that pursuant to a Judgment of Foreclosure and Sale entered in the above cause on 3/5/2013, Patrick B. Perez, the Sheriff of Kane County, Illinois will on 7/18/13 at the hour of 9:00AM at Kane County Judicial Center, 37W777 Route 38, Room JC 100 St. Charles, IL 60175, or in a place otherwise designated at the time of sale, County of Kane and State of Illinois, sell at public auction to the highest bidder for cash, as set forth below, the following described real estate: PIN 11-12-130-007 Improved with Single Family Home COMMONLY KNOWN AS: 39W539 Schoolhouse Lane Geneva, IL 60134 Sale terms: 10% down of the highest bid by certified funds at the close of the auction; The balance, including the Judicial sale fee for Abandoned Residential Property Municipality Relief Fund, which is calculated at the rate of $1 for each $1,000 or fraction thereof of the amount paid by the purchaser not to exceed $300, in certified funds, is due within twenty-four (24) hours. The subject property is subject to general real estate taxes, special assessments, or special taxes levied against said real estate and is offered for sale without any representation as to quality or quantity of title and without recourse to Plaintiff and in "AS IS" condition. The sale is further subject to confirmation by the court. If the property is a condominium and the foreclosure takes place after 1/1/2007, purchasers other than the mortgagees will be required to pay any assessment and legal fees due under The Condominium Property Act, 765 ILCS 605/9(g)(1) and (g)(4). If the property is located in a common interest community, purchasers other than mortgagees will be required to pay any assessment and legal fees due under the Condominium Property Act, 765 ILCS 605/18.5(g-1). If the sale is set aside for any reason, the Purchaser at the sale shall be entitled only to a return of the deposit paid. The Purchaser shall have no further recourse against the Mortgagor, the Mortgagee or the Mortgagee's attorney. Upon payment in full of the amount bid, the purchaser shall re-
pu ceive a Certificate of Sale, which will entitle the purchaser to a Deed to the real estate after Confirmation of the sale. The successful purchaser has the sole responsibility/ expense of evicting any tenants or other individuals presently in possession of the subject premises. The property will NOT be open for inspection and Plaintiff makes no representation as to the condition of the property. Prospective bidders are admonished to check the Court file to verify all information. IF YOU ARE THE MORTGAGOR (HOMEOWNER), YOU HAVE THE RIGHT TO REMAIN IN POSSESSION FOR 30 DAYS AFTER ENTRY OF AN ORDER OF POSSESSION, IN ACCORDANCE WITH SECTION 151701(C) OF THE ILLINOIS MORTGAGE FORECLOSURE LAW. For information: Examine the court file or contact Plaintiff's attorney: Codilis & Associates, P.C., 15W030 North Frontage Road, Suite 100, Burr Ridge, IL 60527, (630) 794-9876. Please refer to file number 14-12-26714. I537763 June 6, 13, 20, 2013 Suburban Life Media GEN IN THE CIRCUIT COURT OF THE 16TH JUDICIAL CIRCUIT KANE COUNTY GENEVA, ILLINOIS FLAGSTAR BANK, FSB, PLAINTIFF vs. STEVEN NAUGHTON A/K/A STEVEN S. NAUGHTON; JANIE S. NAUGHTON A/K/A SHARON J. NAUGHTON; DEFENDANTS Address: 18 N. Northampton Drive Geneva, Illinois 60134 12 CH 3964 NOTICE OF SHERIFF'S SALE OF REAL ESTATE PUBLIC NOTICE IS HEREBY GIVEN that pursuant to a Judgment of Foreclosure and Sale entered in the above cause on February 14, 2013, I, Sheriff of Kane County, Illinois, will on July 18, 2013 at the hour of 9:00 AM at the Kane County Judicial Center, 37W777 Route 38, St. Charles, IL 60175, Room JC 100, or in a place otherwise designated at the time of sale, County of Kane, State of Illinois, sell at public auction to the highest bidder for cash, as set forth below, the following described real estate: COMMON ADDRESS: 18 N. Northampton Drive, Geneva, Illinois 60134 P.I.N.: 12-04-329-024 The real estate is improved with a single family residence. THE JUDGMENT AMOUNT WAS: $265,774.96 Sale terms: 10% down by certified funds; the balance, by certified funds, is due within twenty four (24) hours. The subject property is subject to real estate taxes, special assessments or special taxes levied against said real estate and is offered for sale without any representation as to quality or quantity of title and without recourse to Plaintiff and in "as is" condition. The sale is further subject to confirmation by the court. Upon payment in full of the amount bid, the purchaser shall receive a Certificate of Sale, which will entitle the purchaser to a Deed to the real estate after Confirmation of the sale. The property will NOT be open for inspection and Plaintiff makes no representations as to the condition of the property. Prospective bidders are admonished to check the Court file to verify all information. Pursuant to 735 ILCS 5/151512, the amounts of any surplus bid will be held by the sheriff until a party obtains a Court Order for its distribution, or for 60 days following the date of the entry of the order confirming sale, at which time, in the absence of an order directing payment of the surplus, it may be automatically forfeited to the State
ally without further notice. If this property is a condominium unit, the purchaser of the unit at the foreclosure sale, other than a mortgagee shall pay the assessments and the legal fees required by The Condominium Property Act, 765 ILCS 605/9(g)(1) and (g)(4). IF YOU ARE THE MORTGAGOR (HOMEOWNER), YOU HAVE THE RIGHT TO REMAIN IN POSSESSION FOR 30 DAYS AFTER ENTRY OF AN ORDER OF POSSESSION, IN ACCORDANCE WITH SECTION 151701(C) OF THE ILLINOIS MORTGAGE FORECLOSURE LAW. For information: Examine the court file or contact Plaintiff's attorney: Johnson, Blumberg & Associates, LLC, Please refer to file number IL 12 3146. Johnson, Blumberg, & Associates, LLC 230 W. Monroe Street, Suite 1125 Chicago, Illinois 60606 Ph. 312-541-9710 Fax 312-541-9711 JB&A # IL 12 3146 I521214 June 6, 13, 20, 2013 Suburban Life Media GEN IN THE CIRCUIT COURT FOR THE SIXTEENTH JUDICIAL CIRCUIT KANE COUNTY ST. CHARLES ILLINOIS Fifth Third Mortgage Company Plaintiff, vs. Garrett Rosborough; Samantha Harris; Unknown Owners and NonRecord Claimants; Chesapeake Commons Homeowners Association, Defendants. 1207 Koster Court, Geneva, IL 60134 Judge Leonard J. Wojtecki 12 CH 4185 NOTICE OF SALE PUBLIC NOTICE is hereby given that pursuant to a Judgment of Foreclosure and Sale entered in the above entitled cause on January 18, 2013, Kane County Sheriff will on July 11, 2013, at the hour of 9:00AM at Kane County Judicial Center, 37W777 Route 38, St. Charles, Illinois 60175, sell to the highest bidder for cash, the following described mortgaged real estate: Commonly known as 1207 Koster Court, Geneva, IL 60134 Parcel Number(s): 12-01-108-151 The real estate is improved with a Condominium. Sale terms: Bidder's must present, at the time of sale, a cashier's or certified check for 10% of the successful bid amount. The balance of the successfully bid shall be paid within 24 hours, by similar funds. The subject property is offered for sale without any representation as to quality or quantity of title and without recourse to Plaintiff and in "AS IS" condition. The sale is further subject to confirmation by the Court. The property will NOT be open for inspection. If this property is a condominium unit, the purchaser of the unit at the foreclosure sale, other than the mortgagee shall pay the assessments and the legal fees required by the Condominium Property Act, 765 ILCS 605/9(g)(1) and (g) (4). For information call Plaintiff's Attorney, Manley Deas Kochalski LLC, One East Wacker, Suite 1730, One East Wacker, Suite 1730. Phone number: 312-651-6700. Attorney file number: 12-026177. Alan S. Kaufman MANLEY DEAS KOCHALSKI LLC Attorneys for Plaintiff One East Wacker, Suite 1730 Chicago, IL 60601 Telephone: 312-651-6700 Fax: 614-220-5613 Attorney. No.: 6289893 I537645 June 6, 13, 20, 2013 Suburban Life Media GEN
IN THE CIRCUIT COURT FOR THE 16TH JUDICIAL CIRCUIT KANE COUNTY GENEVA, ILLINOIS Wells Fargo Bank, NA, PLAINTIFF Vs. Patricia Gancer a/k/a Patricia A. Gancer a/k/a Patricia Anne Gancer; et. al., DEFENDANTS 12 CH 04402 NOTICE OF SHERIFF'S SALE OF REAL ESTATE PUBLIC NOTICE IS HEREBY GIVEN that pursuant to a Judgment of Foreclosure and Sale entered in the above cause on 2/7/2013, Patrick B. Perez, the Sheriff of Kane County, Illinois will on 7/25/13 at the hour of 9:00AM at Kane County Judicial Center, 37W777 Route 38, Room JC 100 St. Charles, IL 60175, or in a place otherwise designated at the time of sale, County of Kane and State of Illinois, sell at public auction to the highest bidder for cash, as set forth below, the following described real estate: PIN 12-03-254-011 Improved with Residential COMMONLY KNOWN AS: 312 North Fifth Street Geneva, IL 60134 Sale terms: 10% down of the highest bid by certified funds at the close of the auction; The balance, including the Judicial sale fee for Abandoned Residential Property Municipality Relief Fund, which is calculated at the rate of $1 for each $1,000 or fraction thereof of the amount paid by the purchaser not to exceed $300, in certified funds, is due within twenty-four (24) hours. The subject property is subject to general real estate taxes, special assessments, or special taxes levied against said real estate and is offered for sale without any representation as to quality or quantity of title and without recourse to Plaintiff and in "AS IS" condition. The sale is further subject to confirmation by the court. If the property is a condominium and the foreclosure takes place after 1/1/2007, purchasers other than the mortgagees will be required to pay any assessment and legal fees due under The Condominium Property Act, 765 ILCS 605/9(g)(1) and (g)(4). If the property is located in a common interest community, purchasers other than mortgagees will be required to pay any assessment and legal fees due under the Condominium Property Act, 765 ILCS 605/18.5(g-1). If the sale is set aside for any reason, the Purchaser at the sale shall be entitled only to a return of the deposit paid. The Purchaser shall have no further recourse against the Mortgagor, the Mortgagee or the Mortgagee's attorney. Upon payment in full of the amount bid, the purchaser shall receive a Certificate of Sale, which will entitle the purchaser to a Deed to the real estate after Confirmation of the sale. The successful purchaser has the sole responsibility/ expense of evicting any tenants or other individuals presently in possession of the subject premises. The property will NOT be open for inspection and Plaintiff makes no representation as to the condition of the property. Prospective bidders are admonished to check the Court file to verify all information. IF YOU ARE THE MORTGAGOR (HOMEOWNER), YOU HAVE THE RIGHT TO REMAIN IN POSSESSION FOR 30 DAYS AFTER ENTRY OF AN ORDER OF POSSESSION, IN ACCORDANCE WITH SECTION 151701(C) OF THE ILLINOIS MORTGAGE FORECLOSURE LAW. For information: Examine the court file or contact Plaintiff's attorney: Codilis & Associates, P.C., 15W030 North Frontage Road,