Virtual
Join us and your peers for expert insight into the latest industry challenges based on new research, including:
ASSET MANAGEMENT
WEALTH MANAGEMENT
This meeting includes concurrent tracks for asset management and wealth management. Registration for all sessions is open to all attendees.
Our exclusive members-only event brings together industry leaders from across the global asset and wealth management communities. This event is designed specifically for operations and technology professionals.
Time | ASSET MANAGEMENT | WEALTH MANAGEMENT |
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11:00am |
Demand for Insights and Intelligence in Asset Management
11:00am-11:50am EST Demand for Insights and Intelligence in Asset ManagementWednesday, Nov 20, 2024 · 11:00am-11:50am ESTThis research-driven presentation focuses on asset managers’ use of BI tools. We discuss the growing expectations of users and the challenges that firms face with the expanding use of BI tools. We look at the top tools and discuss their evolution and road maps for the future. Lastly, we share our recommended best practices. ASSET MANAGEMENT |
More Than Just an Accounting Engine: An In-Depth Review of Leading Trust Accounting Solutions
11:00am-11:50am EST More Than Just an Accounting Engine: An In-Depth Review of Leading Trust Accounting SolutionsWednesday, Nov 20, 2024 · 11:00am-11:50am ESTIn this session, we evaluate the leading trust accounting solutions used by wealth management firms. We identify industry issues and trends and explore how providers are evolving their platforms to support a broader wealth management ecosystem. WEALTH MANAGEMENT |
12:00pm |
Getting the Job Done: Asset Management Firms Talk About Their BI Programs
12:00pm-12:30pm EST Getting the Job Done: Asset Management Firms Talk About Their BI ProgramsWednesday, Nov 20, 2024 · 12:00pm-12:30pm ESTThis moderated panel of Cutter Research member firms explores how they put BI tools to use, the areas of their firms that utilize the tools, and their strategies for successful implementation and ongoing usage. ASSET MANAGEMENT |
Leveraging AI to Optimize Lead Generation and Marketing
12:00pm-12:30pm EST Leveraging AI to Optimize Lead Generation and MarketingWednesday, Nov 20, 2024 · 12:00pm-12:30pm ESTThis session explores how wealth managers can deploy AI during the prospecting phase of the client lifecycle. We identify challenges associated with lead generation , and how wealth managers can deploy AI to improve their marketing campaigns. We also highlight notable vendors and best practices associated with the adoption of AI for lead generation and marketing campaigns. WEALTH MANAGEMENT |
12:45pm |
Keynote: Sebastian Terry – author, TV host, philanthropist
12:45pm-1:35pm EST Keynote: Sebastian Terry – author, TV host, philanthropistWednesday, Nov 20, 2024 · 12:45pm-1:35pm ESTKnown worldwide for pursuing an incredible list of 100 Things that he wants to achieve before he dies, Sebastian Terry’s story is surprisingly not about a bucket list. It’s about something more far reaching; permission, choice, growth, and connection. Affected by a curious mind and the death of a close friend, Sebastian experienced a moment in his life where he asked himself a simple question; ‘Am I happy?’. The answer was NO and so he decided to pen down a list of 100 Things that he’d always wanted to achieve. Following his heart and armed with nothing but a list, Sebastian's incredible story has grown from an entertaining tale of adventure into a global philanthropic movement that engages a growing tribe of hundreds of thousands to not just set meaningful goals, but also pull the trigger and achieve them – all while helping others do the same. |
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1:45pm |
Practical Experiences with Data Governance and Catalogs
1:45pm-2:30pm EST Practical Experiences with Data Governance and CatalogsWednesday, Nov 20, 2024 · 1:45pm-2:30pm ESTCutter Research member firms share real-world examples of their data governance initiatives and the important role that data catalogs play. ASSET MANAGEMENT |
Wealth in Asia Series: China and Hong Kong - Growing Wealth, Less Complexity?
1:45pm-2:30pm EST Wealth in Asia Series: China and Hong Kong - Growing Wealth, Less Complexity?Wednesday, Nov 20, 2024 · 1:45pm-2:30pm ESTAs a market for financial services, China is in the early stages of opening up and its regulatory hurdles for foreign players are decreasing. This session examines recent developments in China’s wealth management landscape, offers insights into the local market environment and players, and explores the culture of wealth among China’s HNWI. WEALTH MANAGEMENT |
2:45pm |
Enabling Data Cataloging
2:45pm-3:30pm EST Enabling Data CatalogingWednesday, Nov 20, 2024 · 2:45pm-3:30pm ESTThis Cutter Research presentation details the findings of our recent study of metadata management tools. We discuss the evolution of metadata management tools and data cataloging technology, new features, and current practices among member firms. ASSET MANAGEMENT |
Cultures of Wealth in Asia: Expert Perspectives
2:45pm-3:30pm EST Cultures of Wealth in Asia: Expert PerspectivesWednesday, Nov 20, 2024 · 2:45pm-3:30pm ESTIndustry experts share their perspectives on the trends and developments in Asia’s diverse wealth management markets. WEALTH MANAGEMENT |
Time | ASSET MANAGEMENT | WEALTH MANAGEMENT |
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11:00am |
Guiding Clients in Transformative Times: Executive Vendor Panel Discussion
11:00am-11:50am EST Guiding Clients in Transformative Times: Executive Vendor Panel DiscussionThursday, Nov 21, 2024 · 11:00am-11:50am ESTC-suite executives from leading solution providers share their perspectives on how they are helping clients navigate challenges and innovate for the future. |
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12:00pm |
Automation, Flexibility, and Consolidation: Evolving Options to Support Performance Measurement and Attribution (PMA)
12:00pm-12:30pm EST Automation, Flexibility, and Consolidation: Evolving Options to Support Performance Measurement and Attribution (PMA)Thursday, Nov 21, 2024 · 12:00pm-12:30pm ESTThis research-driven presentation focuses on member trends and the most widely used PMA tools. We discuss how the role of the PMA team is evolving to support increasing client demands and complex strategies. We also look at the vendor landscape and how the prospect of consolidation is becoming a more viable option. ASSET MANAGEMENT |
How Wealth Clients Use Digital Tools
12:00pm-12:30pm EST How Wealth Clients Use Digital ToolsThursday, Nov 21, 2024 · 12:00pm-12:30pm ESTThis session presents the quantitative results of our panel study examining how different types of wealth clients use digital tools. Topics include the use of mobile apps, the most popular features for digital portals, interest in self-directed investment mandates, and clients’ attitudes toward robo-advice. WEALTH MANAGEMENT |
12:45pm |
Global Performance Measurement and Attribution (PMA) Insights: Stories from the Front Lines
12:45pm-1:30pm EST Global Performance Measurement and Attribution (PMA) Insights: Stories from the Front LinesThursday, Nov 21, 2024 · 12:45pm-1:30pm ESTCutter’s consultants share their global perspectives from the field and discuss PMA best practices, lessons learned, and how technology is altering the PMA landscape. ASSET MANAGEMENT |
Behind the Login of Wealth Management Digital Portals
12:45pm-1:30pm EST Behind the Login of Wealth Management Digital PortalsThursday, Nov 21, 2024 · 12:45pm-1:30pm ESTIn this session, we present the results of our latest benchmarking study of digital portals for wealth clients. We examine how wealth managers’ digital offerings match up with the digital demands of their clients. We also highlight a series of best practices and present a summary of key strategies from top wealth managers worldwide. WEALTH MANAGEMENT |
1:45pm |
Workplace Transformation: Executive Member Panel Discussion
1:45pm-2:30pm EST Workplace Transformation: Executive Member Panel DiscussionThursday, Nov 21, 2024 · 1:45pm-2:30pm ESTC-suite executives from Cutter Research member firms share their perspectives on how they are rethinking business models and long-term strategies amidst continued uncertainty. |
Kathy McDermott has more than 20 years of experience in the financial services industry. She joined Cutter Associates in 2011 and has authored a number of Cutter Research reports on a wide range of topics. She spent ten years as a consultant for a variety of asset management firms, with a focus on business analysis for front and middle office projects. Kathy was previously the senior business analyst, equity trading systems, at Wellington Management, specializing in the firm’s proprietary electronic and basket trading applications. Earlier in her career, Kathy worked for Thomson Financial Services (now Thomson Reuters), supporting FirstCall and PORTIA clients in Hong Kong, Japan, Singapore, and Thailand, and later went on to manage PORTIA implementations. She also worked at LongView (now Linedata) as an account manager and then product manager of electronic trading. Kathy earned her bachelor of arts in mathematics from Hamilton College.
Recent research assignments and publications include the following:
Katrina Pirner has a research focus on financial regulation and the digital transformation within the private wealth management industry. Katrina previously worked in research and investor relations at North America-based financial institutions, including Clarus Securities, Height Securities, and Citco Fund Services. Katrina also acquired experience in EU regulations while completing an internship in Brussels with FIPRA International, a public affairs firm. She holds a bachelor of arts in economics from the University of Toronto and a master of arts in international relations and international economics from Johns Hopkins University.
Recent research assignments and publications include the following:
Angela Centeno joined Cutter Associates in 2015, bringing more than 20 years of experience in financial services. Prior to Cutter, Angela worked for The Northern Trust Company in multiple roles managing enterprise market data, investment operations outsourcing, vendor relationships, and custodian relationships. She previously held senior positions in operations management, project management, data management, and solutions implementation.
Angela earned a bachelor of science in accounting and a bachelor of science in business administration from the University of Kansas, as well as an MBA in finance from DePaul University. She is a registered CPA.
Recent research assignments and publications include the following:
Jon Chandler brings more than ten years of experience in the financial services industry to his Director's role at Cutter Associates. Prior to joining Cutter, Jon was a senior business analyst for State Street Global Advisors (SSGA), where he was involved in a number of projects for the front and middle office, including UAT design and execution for an order management system (Fidessa IMS), the implementation of a web-based due diligence platform (FundInsight), and an enterprise solution to support blended benchmarks. Prior to his project roles, Jon was a principal in fixed income trade operations at SSGA. He has extensive experience with post-trade operations and applications, such as OASYS/CTM, PORTIA, MBSExpert, and Failstation. Jon earned a bachelor of arts in history from the University of Florida and an MBA from Northeastern University.
Recent research assignments and publications include the following:
Michael Conn manages Cutter Associates’ relationships with the vendor community and brings extensive financial services experience to the role. He manages the firm’s advisory and sponsor relationships, ensuring that vendors gain visibility, as appropriate, to Cutter’s analysts and member firms. He joined the firm in 2013, and as well as vendors is responsible for client relationships in the Tri-state areas, where typically some of Cutter’s largest client reside. Prior to joining Cutter, Michael was a Sales Specialist at Thomson Reuters specializing in selling the Corporate Intelligence software to a corporate client base. There he built relationships with leading C-Suite executives across Fortune 500 companies. Michael has also held business development roles at State Street Global Markets and First Albany Capital. From 2006-2008 he was an Implementation Manager at Charles River Development. Michael began his career as a Pricing Analyst at Fidelity before moving to MFS Investment Management where he worked on the Fixed Income trading floor. Michael holds a B.A. in Economics and Political Science from the University of New Hampshire.
Stacia Graham has more than 20 years of experience in investment management, bringing a deep understanding of end-to-end asset management processing and project management to her role as Managing Director at Cutter Research. Prior to Cutter, Stacia worked at Wellington Management Company LLP in Boston in various roles within compliance and operational risk, including leading and managing the global Investment Guideline Compliance team for eight years. She earned a bachelor of science in business administration from Bryant University and an MBA from Bentley University.
Recent research assignments and publications include the following:
Andrew Jenkins brings more than 20 years of experience in buy-side financial services, with a focus on project management in the areas of performance measurement and attribution, portfolio analytics, GIPS compliance, risk management, and data management. At Cutter Associates, Andrew works in the firm’s Strategy & Data Management and Performance Measurement practices.
Andrew is a thought leader on performance measurement business practices and GIPS compliance, regularly speaking on the topics at industry conferences. Andrew has a deep understanding of asset management operational and technology processes, and has successfully managed several large-scale operational and systems integration projects throughout his career, including data warehouses, performance measurement and attribution systems, web-integration services, and the acquisition and implementation of a client reporting service. He is active in multiple industry groups in the areas of performance measurement and risk and in board-related forums.
Prior to joining Cutter, Andrew was a director at Charles Schwab Investment Management, where he oversaw performance measurement and attribution, risk, client reporting, and competitive research. He previously worked in the Board Analysis Services Group at Lipper Analytical (now Thomson Reuters). Andrew holds a bachelor of arts in economics from the University of Colorado.
Laura Jesson has more than 20 years of experience in the financial services industry as a project manager, business analyst, and consultant. She joined Cutter Associates in 2013. Prior to joining Cutter, Laura spent eight years at Wells Capital Management and Evergreen Investments, where she managed investment operations projects. She previously worked at Omgeo as a member of the Central Trade Manager (CTM) product design team. Laura started her career at Andersen Consulting (now Accenture) as a process consultant supporting a variety of projects for clients in the financial services industry.
Laura earned her bachelor of arts in economics and psychology from Amherst College. She holds the Project Manager Professional (PMP) certification.
Recent research assignments and publications include the following:
Onawa Promise Lacewell has a research focus on the impact of disruptive technologies on the financial services sector and on the client-facing technology that wealth managers use to support the digital experience of UHNW and HNW end clients. Specifically, she is interested in how wealth managers use digital portals and mobile apps to support the client experience of UHNW and HNW end clients. Onawa holds a PhD from the University of Missouri.
Recent research assignments and publications include the following:
Rob has over 15 years of experience in financial services, spanning portfolio construction, asset allocation, portfolio management, investment risk, investment systems, quantitative manager, and quantitative specialist supporting the end-to-end investment process, solutions, and performance. He is a senior investment professional with experience across the superannuation, asset management, and treasury spaces as a portfolio manager and quantitative specialist supporting the end-to-end investment process. Prior to joining Cutter, Rob was a senior portfolio manager in QSuper’s Investment Strategy team, with responsibilities across asset allocation, the whole of portfolio construction and risk management, as well as supporting the equities, fixed income, and alternatives teams. Rob holds a graduate certificate in applied mathematics, specializing in computational and discrete mathematics from the Queensland University of Technology. He also holds a bachelor of business and a bachelor of applied science and more recently completed the diploma of superannuation. Rob is a member of the Advisory Committee for the Fixed Income & Credit forum run by the Centre for Institutional Investors (CII).
Lisa Masten has more than 20 years of experience in the investment management industry, leading projects and designing solutions in the areas of performance and attribution, data management, market data administration, portfolio analytics, and investment accounting. Lisa leads Cutter Associates’ Data and Performance practice, where she advises and designs operating models, selects systems, and implements business and technology solutions. She also organizes the Implementation practice for Cutter, including leading development of its adaptable delivery framework and project toolkit.
Prior to joining Cutter, Lisa was a Senior Manager at Invesco, where she managed a global team responsible for designing and implementing data, performance, and accounting solutions. She has held roles implementing and supporting processes and technology across the front, middle and back office at multiple asset management firms. Lisa holds a Bachelor of Arts in finance and computer science from North Central College in Illinois.
Gina McCafferty has 30 years of experience in the financial services industry. She served at Cutter from 1999 to 2011 as Principal and Managing Director of CutterResearch, and she was instrumental in growing that business. Gina returned to Cutter in 2017, and established and ran the company’s Wealth Management research division. In 2019, she was appointed to Head of Research, responsible for Asset Management and Wealth Management product development and delivery to over 200 member firms around the globe. Gina was previously at Investit Ltd., where she served for six years as head of the company’s research service. Prior to that, she held senior positions at DST International with product responsibility for their global accounting and performance measurement systems, and at SunGard as Vice President of Client Services for their securities trading products.
Anna Schneider researches and analyzes market data, conceptualizes and writes research reports, and presents research to relevant networks in international settings. Anna is focused on researching the Asian wealth management landscape. She is especially focused on the China’s financial services sector, including how it is impacted by disruptive technological, economic, legal, and regulatory developments, and the related implications for wealth management industries worldwide. Anna holds a double master’s degree in Chinese-European economic and business studies from the Southwestern University of Finance and Economics in Chengdu, China, and the Berlin School of Economics and Law in Germany. She also holds a bachelor’s degree in Asian studies and management from the University of Applied Sciences in Constance, Germany. Anna is fluent in English and holds an Advanced Certificate HSK 6 in Chinese. Her native language is German.
Recent research assignments and publications include the following:
Randy Dry is chief operating officer for Thornburg Investment Management, Inc. He joined Thornburg in 2001 as an associate portfolio manager, was promoted to director of separate accounts in 2002, director of the institutional group in 2014, chief administrative officer in 2016, and chief operating officer in 2020. As chief operating officer, Randy is responsible for oversight of the firm’s investment operations, technology, data-management and administrative functions.
Randy started his financial career in 1997 at Davis Advisors in Santa Fe, where he helped Davis develop and launch its managed accounts business. He earned a BBA in finance from the University of New Mexico’s Anderson School of Management. Randy is currently registered with FINRA with a Series, 7, 24, 63, 65, and 99.
Data governance
Strategy and architecture
Analysis and design (incl. data modelling)
Data warehousing and business intelligence
Metadata
Data quality
Data security
Reference and master data
He has been involved in numerous small-, medium-, and large-scale business and IT initiatives for clients within Australia, Europe, and New Zealand across a broad range of industries.
Currently, John is the Data Governance Manager for Cbus – one of Australia’s largest industry superannuation funds – responsible for establishing and sustaining data and analytics governance to deliver digital business success.
Kamal Bhatia is responsible for the enterprise reporting and business intelligence strategy at GMO Investment Management, where he manages a team of developers and database programmers to deliver BI projects through mentorship and planning. Kamal also leads GMO’s Business Intelligence Center of Excellence and helps enable a self-service analysis environment across the firm using tools such as Qlik Sense, QlikView, and Power BI. He works closely with vendors and IT infrastructure to implement GMO’s long-term BI vision and move the on-premise environment to the cloud.
Prior to joining GMO in 2014, Kamal was a business intelligence architect at Aereo LLC, and before that he was a business intelligence analyst at Grasshopper LLC. He also was previously a business intelligence analyst at the Electric Reliability Council of Texas.
Kamal holds a master of science in management information systems from Oklahoma State University and a bachelor of engineering in information technology from Mumbai University.
‘In case of an emergency oxygen masks will fall from the ceiling. Please put yours on first before helping others.’
Known worldwide for pursuing an incredible list of 100 Things that he wants to achieve before he dies, Sebastian Terry’s story is surprisingly not about a bucket list. It’s about something more far reaching; permission, choice, growth, and connection.
Affected by a curious mind and the death of a close friend, Sebastian experienced a moment in his life where he asked himself a simple question; ‘Am I happy?’. The answer was NO and so he decided to pen down a list of 100 Things that he’d always wanted to achieve. Following his heart and armed with nothing but a list, Sebastian's incredible story has grown from an entertaining tale of adventure into a global philanthropic movement that engages a growing tribe of hundreds of thousands to not just set meaningful goals, but also pull the trigger and achieve them – all while helping others do the same.
“I thought initially that it would take me 100 Things to reach a state of fulfillment, but it’s taken me 72 things to realize that ‘ticks’ are just the beginning. The key to growth and happiness is finding out who you are on a primal level and then being that person, each and every day.” Today, 100 Things acts as a conduit introducing those in need of help to those who are able to help. In this way, the journey has become less about Sebastian's list and more about the art of helping, where he now spends his time traveling the world connecting strangers to help each other. This evolution into the kindness space has spawned birth of Kindsum, a peer-to-peer platform activating acts of kindness in the general public and within organizations.
Sebastian has grown his 100 Things journey into a best-selling book (‘100 Things’) translated into three languages, two international documentaries on ESPN and Discovery Channel (‘100 things to do before you die’), and a US-based reality TV show (‘100 Things’) where he travels the world helping complete strangers achieve their specific dreams.
From marrying a stranger in Las Vegas, delivering a baby in Canada, and even representing the Mauritian national rugby team at the African Championships (they won!), Sebastian’s most profound moment was when he was first contacted by a suicidal stranger who needed help. 100 Things is no longer about one person, it’s about everybody. Currently a Make-A-Wish ambassador, Sebastian has raised over $400,000 for various charities as part of his challenge.
With ten years of keynote experience, Sebastian has spoken live to over 300,000 people globally, inspiring organizations to gain perspective, think big, and be the best they can be on every level so that others can follow suit. Guaranteed to make you laugh, cry, and inspire motivation, the 100 Things keynote is like no other and will re-engage, connect, and inspire your organization to move forward as one.
What’s on your list?
BNY Mellon is a global investments company dedicated to helping its clients manage and service their financial assets throughout the investment lifecycle. Whether providing financial services for institutions, corporations or individual investors, BNY Mellon delivers informed investment and wealth management and investment services in 35 countries. As of June 30, 2022, BNY Mellon had $43.0 trillion in assets under custody and/or administration, and $1.9 trillion in assets under management. BNY Mellon can act as a single point of contact for clients looking to create, trade, hold, manage, service, distribute or restructure investments. BNY Mellon is the corporate brand of The Bank of New York Mellon Corporation (NYSE: BK). Additional information is available on www.bnymellon.com. Follow us on Twitter @BNYMellon or visit our newsroom at www.bnymellon.com/newsroom for the latest company news.
More About BNY MellonBroadridge, a global Fintech leader and S&P 500® company with over $4.5 billion in revenues, provides communications, technology, data and analytics. We help drive business transformation for our clients, including asset managers, with solutions for enriching engagement, navigating risk, optimizing efficiency and growing revenue. Our integrated, front-to-back solutions translate data into actionable insights and streamline the investment life cycle. Touching 90 percent of the world’s mutual fund assets and drawing from the most complete sales and asset data collection in the industry, we are uniquely positioned to help asset managers get ahead of today’s challenges and capitalize on what’s next.
Broadridge delivers state-of-the-art technology, data and services to bring transparency and automation to the investment management and private lending process. Our portfolio management solution offers managers full front-to-back-office functionality on a single platform across all asset types. The product suite is used by many of the largest and most respected asset managers and investment firms in the world.
FactSet (NYSE:FDS | NASDAQ:FDS) helps the financial community to see more, think bigger, and work better. Our digital platform and enterprise solutions deliver financial data, analytics, and open technology to more than 8,000 global clients, including over 208,000 individual users. Clients across the buy-side and sell-side as well as wealth managers, private equity firms, and corporations achieve more every day with our comprehensive and connected content, flexible next-generation workflow solutions, and client-centric specialized support. As a member of the S&P 500, we are committed to sustainable growth and have been recognized amongst the Best Places to Work in 2023 by Glassdoor as a Glassdoor Employees' Choice Award winner. Learn more at www.factset.com and follow us on X and LinkedIn.
More About FactSetWe all take for granted the notifications we receive from apps such as airlines, weather, and fitness in our personal lives. You should have this same level of timely/actionable information in your business life – but you don’t.
Hexagon is an enterprise platform specifically designed to monitor topics for business teams. Our rules-driven design allows a user to define a topic, the underlying data that is used to evaluate the topic, and the notifications they wish to receive under specific situations. The result is more timely, actionable information that does not require manual human analysis. Integration with robotic process automation (RPA) and team collaboration tools furthers its ability to impact your teams.
Reimagine your business intelligence paradigm with Hexagon.
Hexagon: The Digital Evolution of Business Intelligence
www.hexagontech.com
Ortec Finance is the leading provider of technology and solutions for risk and return management. It is our purpose to enable people to manage the complexity of investment decisions. We do this through delivering leading technologies and solutions for investment decision-making to financial institutions around the world. Our strength lies in an effective combination of advanced models, innovative technology and in-depth market knowledge. This combination of skills and expertise supports investment professionals in achieving a better risk-return ratio and thus better results.
Headquartered in Rotterdam, Ortec Finance has offices Amsterdam, London, Toronto, Hong Kong and in Zurich.
SimCorp is a provider of industry-leading integrated investment management solutions for the global buy side. Founded in 1971, with more than 3,000 employees across five continents, SimCorp is a truly global technology leader that empowers more than half of the world's top 100 financial companies through its integrated platform, services, and partner ecosystem.
SimCorp is a subsidiary of Deutsche Börse Group. As of 2024, SimCorp includes Axioma, the leading provider of risk and management and portfolio optimization solutions for the global buy side.
More About SimCorpSS&C Advent, a business unit of SS&C, is helping over 4,300 investment firms in more than 50 countries—from established global institutions to small start-up practices—to grow their business, minimize risk, and thrive. The Advent Investment Suite (AIS) is specifically designed for firms looking to expand into new markets, new regions, and new lines of business with one fully integrated, end-to-end solution. Built to support investment managers, the Advent Investment Suite offers customized and complex portfolio management at scale, rebalancing, trading, compliance, multi-currency accounting, reporting, and performance. Today, AIS is available in the cloud through Advent Managed Services, along with a customizable menu of operational services for clients to leverage.