Bima Bachat

Bima Bachat

Bima Bachat Summary:
LIC Bima Bachat (Table No.175) is a single premium money-back policy. Bima Bachat offers financial security and assurance to the policyholder and his family.

Benefits:

Death Benefits:
During the Term of the policy, if the Life Assured is dead, apart from survival benefits if any, paid earlier, an amount equal to SA will be paid.

Survival benefits:
Survival benefits (15% of SA) are paid at the 3rd, 6th, 9th & 12th policy year respectively depending on the policy term. On maturity, the single premium paid along with Loyalty addition if any will be paid back.

Maturity Benefit/Survival benefit for 2 lakh SA: (30yrs age)

Policy Term3rd Year6th Year9th Year12th year
9 years60,00060,000Final Maturity
12 years60,00060,00060,000Final Maturity
15 years60,00060,00060,00060,000


Eligibility Conditions and Restrictions LIC Bima Bachat:

Min. age at entry: 15 years (completed).
Max. age at entry: 66 years (Nearest).
Min. S.A.: Rs. 20,000
Max. SA.: Any Amount.
SA in multiples: Rs. 5000
Max. Maturity age: 75 years (Nearest).
Terms Available: 9, 12, or 15 years.
Modes Allowed: All
Dating Back @ 8%: Allowed
Term Rider Option: Not available
Critical Illness Rider: Not available
Policy Loan: Available

Surrender Values:
The Bima Bachat can be surrendered after 1 year. The Guaranteed Surrender Value is equal to 90% of the single premium paid excluding the extra premium paid and the survival benefits paid earlier.

Bima Bachat Examples:
Let me give you an example to understand this policy.  Mr. Dilip aged 30 years takes a Bima Bachat Policy for 15 years term for Rs 2 lakhs SA. He pays a single premium of Rs. 1,48,322. He receives Survival Benefit of rs 30,000 each at the end of 3rd, 6th, 9th & 12th year respectively. On Maturity, he will receive Rs 1,48,322 being the single Premium paid by Dilip. Thus total amount received by him will be Rs 2,68,322 (Rs 1,20,000 as Survival Benefits + 1,48,322 as single Premium paid) + LA if any. If Mr. Dilip dies during the 13th policy year, his nominee will get Rs 2 lakh as SA as a death benefit (Survival benefit of Rs 30000 each received during 3rd, 6th, 9th & 12th year will not be deducted from the SA). hence the total amount received would be Rs. 3,20,000.

Tax benefit (Updated)
Any life insurance policy except pension plan issued after April 1, 2012, should have risk cover of at least 10 times the annual premium to be eligible for the tax benefit under section 80C and section 10(10D) of income tax act 1961. For example: if your annual premium is Rs.10,000/- then your basic sum assured should be min. Rs.1 lac to be eligible for tax benefit.

Cooling off period:
If you are not satisfied with the “Terms and Conditions” of the policy, you may return the policy to Life Insurance Corporation Of India within 15 days. 

Update: Bima Bachat has been discontinued.

LIC’s Jeevan Bharati-1

Special Money Back Plan for Women

LIC Jeevan Bharati 1 Table No.  192

Summary:

LIC’s Jeevan Bharati –I Plan no.192 has been designed exclusively for females. This is a money-back plan having optional Accident Benefit, Critical Illness Benefit, and Congenital Disability Benefit as Riders.

Benefits:

a) Death Benefit:
An amount equal to the Sum Assured under the basic plan along with Reversionary Bonuses, and Final Addition Bonus, if any, will be payable.

b) Survival Benefits:
Survival benefits will be payable as given below:

Survival to end of15-year plan20-year plan
5 yrs 20% 20%
10 yrs 20% 20%
15 yrs
20%

c) Maturity Benefit:

For policy term of 15 years: 60% of the Sum Assured under the basic plan along with vested Reversionary Bonuses and Final Additional Bonus, if any, will be payable.

For policy term of 20 years: 40% of the Sum Assured under the basic plan along with vested Reversionary Bonuses and Final Additional Bonus, if any, will be payable.

Optional Benefits:

a) Critical Illness Benefit Rider :
An amount equal to the Critical Illness Rider Sum Assured will be payable in case of diagnosis of defined categories of Critical Illness subject to certain terms and conditions, provided the Critical Illness Benefit cover is opted for and is in force. The maximum cover for this rider will be Rs.5 lakh under all policies of the Life Assured with the Corporation taken together including the new proposal under consideration. The Critical Illness Rider Sum Assured shall also not exceed the Sum Assured under the Basic Plan.

b) Accident Benefit Rider :
Accident Benefit as an optional rider will be available under the plan for an amount equal to the Accident Benefit Rider Sum Assured subject to the maximum of Rs.50 lakh overall limit considering the Accident Benefit Sum Assured in respect of all existing policies on the life of the Life Assured under individual and group policies including the policies taken from Life Insurance Corporation of India and other Insurance companies and the Accident Benefit Rider Sum Assured under new proposal into consideration.

c) Congenital Disability Benefit Rider: An Amount equal to 50% of the Congenital Disability Benefit Rider Sum Assured will be payable if the Life Assured gives birth to a child with specified congenital disabilities. This benefit is payable for a maximum of 2 such congenitally disabled children.

Rs.5 lakh is the maximum limit taking all Congenital Disability Benefit Riders under all policies of the life assured including the new proposal into consideration.

Special Features:

i. Encashment of survival benefits as and when needed:
A policyholder can take the survival benefits on or after the due dates, but before the date of maturity. In case of deferment of a due survival benefit, the Corporation will pay increased survival benefit and the increment will be at such rate as decided by the Corporation from time to time compounding yearly for a complete number of months, a fraction of a month being ignored. This option shall be required to be exercised six months before the due date of the Survival Benefit. To start with, the rate of increment will be 4% p.a. compounding yearly for a complete number of months, ignoring a fraction of a month.

ii. Flexibility to pay premiums in advance:
A policyholder will have the flexibility to pay the next yearly premium in advance (in a maximum of three installments). The policyholder will be eligible for a premium rebate at such a rate as may be decided by the Corporation from time to time. The premium mentioned above will also include premiums for Critical Illness Rider, Congenital Disability Benefit Rider, and Accident Benefit Rider if opted for. She will be eligible for a premium rebate of 5% p.a. for a complete number of months on the portion of the premium paid.

iii. Option to receive maturity benefits in the form of an annuity:
The policyholder will have the option (to be exercised 6 months before the date of maturity) to receive the maturity proceeds (including bonuses) in the form of an annuity. The immediate annuity rates prevalent at the time of maturity will be applicable.

iv. Auto cover :
Provided at least two years’ premiums have been paid under a policy, full death cover will be admissible for a period of three years from the date of the first unpaid premium. If the death of Life Assured occurs during the Auto Cover period, then death benefit after deducting unpaid premiums, with interest will be payable along with the vested bonuses and Final Additional Bonus, if any. However, claims under the Critical Illness Rider, Congenital Disability Benefit Rider, and Accident benefit will not be admissible during the Auto Cover period. Further,

(a) If Critical Illness Rider is not opted for:
If any survival benefit falls due during the above 3-year auto cover period the same will be paid after deduction of unpaid premiums with interest thereon until the due date of the survival benefit, provided it is more than the unpaid premiums with interest thereon. If the survival benefit is insufficient to cover the arrears of premiums with interest thereon up to the due date of such survival benefit, then the survival benefit will be payable only on payment of such arrears of premiums with interest thereon, during the period of the aforesaid 3 years or on the revival of the policy thereafter.

(b) If Critical Illness Rider is opted for:
If any survival benefit falls due during the above 3-year auto cover period the same will be paid only on the revival of the policy.

Loans:
A loan facility will be available under this plan after the policy acquires paid-up value. The rate of interest charged for this loan amount would be determined from time to time by the LIC Of India.

Eligibility Conditions and Restrictions Basic Plan

a) Minimum Sum Assured : Rs.50,000/-
b) Maximum Sum Assured : Rs 25,00,000/-
c) Minimum age at entry : 18 years completed.
d) Maximum age at entry : 55 years nearest birthday
e) Maximum age at maturity : 70 years nearest birthday
f) Policy Term : 15 & 20 years

The Sum Assured shall be in multiples of Rs. 5,000.

Accident Benefit Rider:
a) Minimum Sum Assured : Rs. 50,000
b) Maximum Sum Assured: An amount equal to the Sum Assured under the Basic Plan subject to the maximum of Rs.50 lakh overall limit considering the Accident Benefit Sum Assured in respect of all existing policies on the life of the Life Assured under individual and group policies including the policies taken from Life Insurance Corporation of India and other Insurance companies and the Accident Benefit Rider Sum Assured under new proposal into consideration.

The Sum Assured shall be in multiples of Rs. 5,000.
c) Minimum Entry Age : 18 years completed
d) Maximum Entry Age : 55 years nearest Birthday
e) Policy Term : 15 & 20 years
f) Maximum Maturity Age : 70 years nearest Birthday.

Critical Illness Rider:
a) Minimum Sum Assured : Rs. 50,000
b) Maximum Sum Assured: An amount equal to Critical Illness Rider Sum Assured subject to the maximum of Rs.5 lakh overall limit taking all critical illness riders under all existing policies of the life assured and the critical illness rider option under the new proposal into consideration.

The Sum Assured shall be in multiples of Rs.10,000/-.
c) Minimum Entry Age : 18 years completed
d) Maximum Entry Age : 50 years nearest Birthday
e) Policy Term : Same as basic plan or till age 60 years nearest birthday whichever is earlier. If PWB is opted for, then the term of the rider should be same as that of the term of the basic plan.
f) Maximum Maturity Age : 60 years nearest Birthday. If PWB (under the Critical Illness Rider) is opted for, then the following conditions apply:
(i) The term of all the riders opted for must be same as that of the basic plan.
(ii) The Sum Assured of all the riders opted for must be same as that of the basic plan.

Congenital Disability Benefit Rider:
a) Minimum Sum Assured : Rs.50,000
b) Maximum Sum Assured : Rs 500,000
Rs.5 lakh is the maximum limit taking all Congenital Disability Benefit Rider under all policies of the life assured including the new proposal into consideration.
c) Minimum Entry Age : 18 years completed
d) Maximum Entry Age : 35 years nearest birthday
e) Maximum Benefit Ceasing Age : 40 years nearest birthday
f) Terms allowed : Same as the basic plan or till age 40 years (nearest birthday, whichever is earlier.)
Sum Assured will be in multiples of Rs 5000 only.

Mode of Premium Payment :
Only a Yearly mode of Premium Payment is allowed under Jeevan Bharati 1 plan.

Cooling off period:
If you are not satisfied with the “Terms and Conditions” of the policy, you may return the policy to Life Insurance Corporation Of India within 15 days.

The Unique Identification Number (UIN) for LIC’s Jeevan Bharati – I plan is 512N247V01.

Note:
The above is the product summary giving the key features of the plan. This is for illustrative purposes only. This does not represent a contract and for details please refer to your policy document.

New Bima Gold

LIC’s New Bima Gold Summary: (Table No.179)

Gold never loses its value, just like LIC Of India’s New Bima Gold insurance policy. LIC’s New Bima Gold (plan no.179) is special with a profit money back plan that offers 50% of the life cover during extended term even after maturity.

Features:

Auto-cover Facility: If at least two full years’ premiums have been paid in respect of this policy, any subsequent premium be not duly paid, full death cover shall continue for a period of two years from the date of First Unpaid Premium(FUP) or till the end of the policy term, whichever is earlier.

Benefits:

Survival Benefit: Payable in case of the life assured surviving to the end of the specified durations provided the policy is in full force as given below:

For policy term 12 years:
15% of the Sum Assured under Basic Plan at the end of each 4th & 8th policy year.

For policy term 16 years:
15% of the Sum Assured under Basic Plan at the end of each 4th, 8th &12th policy year.

For policy term 20 years:
10% of the Sum Assured under Basic Plan at the end of each 4th, 8th, 12th & 16th policy year.

On the expiry of policy term:

The total amount of premiums (excluding extra/optional rider premiums, if any) paid plus Loyalty Additions, if any, less the amount of survival benefits paid earlier.

Death Benefit:

During the policy term: Payment of an amount equal to Sum Assured under the Basic Plan on the death of the Life Assured during the policy term provided the life cover is in force.

During the extended term: Payment of an amount equal to 50% of Sum Assured under the Basic Plan on the death of the Life Assured during the extended term provided all the premiums under the policy have been paid.

Extended Term: The extended term shall be half of the policy term after the expiry of the policy term.

Payment of Premiums:

The regular premium can be paid either in yearly, half-yearly, quarterly, or monthly (ECS) installments.

Eligibility Conditions and Restrictions for LIC Of India’s New Bima Gold:

FOR BASIC PLAN:
1. Minimum age at entry: 14 years (completed)
2. Maximum age at entry: 57 years (nearest birthday) for Term 12 years
ii. Maximum age at entry: 51 years (nearest birthday) for Term 16 years
iii.Maximum age at entry: 45 years (nearest birthday) for Term 20 years
Age at expiry of extended term: Maximum 75 years (nearest birthday)
Policy Term: 12, 16 and 20 years.
Minimum Sum Assured:  Rs. 50,000 /-
Maximum Sum assured:   No limit
Sum Assured will be in multiples of Rs.5,000 /- only.

FOR THE ACCIDENT BENEFIT RIDER OPTION :
1. Minimum age at entry: 18 years (completed)
2. Maximum age at entry:  57 years (nearest birthday) for Term 12 years
ii.Maximum age at entry: 51 years (nearest birthday) for Term 16 years
iii.Maximum age at entry: 45 years (nearest birthday) for Term 20 years
Minimum Sum Assured:  Rs. 50,000 /-
Sum Assured will be in multiples of Rs.5,000 /- only.

Cooling off period:
If you are not satisfied with the “Terms and Conditions” of the policy, you may return the policy to LIC of India within 15 days.

The Unique Identification Number (UIN) for LIC Of India’s New Bima Gold Plan is 512N236V01.

Update: This plan has been discontinued. 

LIC Jeevan Tarang – The Best Whole Life Money Back Plan

LIC Jeevan Tarang Table No. 178 is a whole Life Money Back Plan for you or your children. It gives you a survival benefit of 5.5% of the sum assured GUARANTEED for LIFETIME This unique policy is a perfect financial planning tool for you or your child. Your child stays financially protected for life. You pay a premium for only a short period – of onetime or, 6,10,15 or 20 years. And guess what !! The policy then keeps paying you EVERY YEAR for your LIFETIME apart from a Bonus at the end of the period, plus covers life for the lifetime! LIC’s lifetime money-back policy A Deferred Annuity Plan.

For example, if you go for Rs.10 lakh Sum assured policy, you would receive Rs.10 Lakh on maturity + Bonus +  Rs.55000/- per year till you or your child survive. That how unique this plan is.

A Deferred Annuity Plan that offers you

  • Life Insurance Coverage right from day 1 of commencement till your 100 years of age,
  • Bonus on the total insured amount for the full Premium Payment Term (PPT) you have chosen which could be 10 or 15, or 20 years,
  • Tax-free Annuity (Annual Payment) @ 5.5 % of the sum insured up to your 100 years of age, the first annuity commencing 1 year after completion of the PPT.
  • I.T exemption up to Rs 1,00,000/- per annum along with other investments under section 80C of the Income-Tax Act 1961,
  • Loan facility to meet your emergencies that may crop up at any time without affecting the benefits guaranteed under the plan in any way,
  • Compensation against fatal accident or Total and Disablement due to Accident,
  • Maximum Liquidity so that, you can discontinue the plan at any time,
  • all, against a one-time or Recurring payment for either 10 or 15 or 20 years.

Open for age group 0-60 Years, Jeevan Tarang is one of the most popular LIC plans.

More information:
Jeevan Tarang is a with-profit whole of life plan which provides for annual survival benefits at a rate of 5½ % of the Sum Assured after the chosen Accumulation Period. The vested bonuses in a lump sum are payable on survival to the end of the Accumulation Period or on earlier death. Further, the Sum Assured, along with Loyalty Additions, if any, is payable on survival to age 100 years or on earlier death.

Accumulation Period :
Jeevan Tarang’s plan offers three Accumulation periods – 10, 15, and 20 years. A proposer may choose any of them.

Payment of Premium:
Premiums can be paid regularly at yearly, half-yearly, quarterly, or monthly intervals or through salary deductions over the Accumulation Period. Alternatively, a Single Premium can be paid on commencement of a policy.

Sample Premium Rates:

The tables below provide tabular premiums for various age-term combinations for Rs. 1000/- Sum Assured.

Regular premiums

Accumulation period

Age

10 years

15 years

20 years

Up to 40 years

109.10

71.40

51.50

41 to 45 years

109.10

71.40

53.40

46 to 50 years

109.10

73.80

56.60

51 to 55 years

111.80

77.90

56 to 60 years

116.60

Single premiums

Accumulation period

Age

10 years

15 years

20 years

Up to 46 years

756.00

644.00

548.00

47 years

756.00

644.00

549.00

48 years

756.00

644.00

552.00

49 years

756.00

644.00

555.20

50 years

756.00

644.00

558.90

51 to 55 years

756.00

644.00

56 to 60 years

756.00

  

Participation in Profits:
Policies under the Jeevan Tarang plan shall participate in the profits of the Corporation. During the accumulation period, policies shall be entitled to receive simple reversionary bonuses, which will be payable on survival to the end of the accumulation period or on earlier death. After the accumulation period, policies will be entitled to receive a Loyalty Addition payable on maturity or earlier death. The amount of simple reversionary bonus and Loyalty Addition will depend on the experience of the Corporation.

Survival Benefits:

  • On survival to the end of the selected accumulation period: Vested reversionary bonuses in a lump sum will be payable.
  • On survival to the end of each year after the accumulation period: 5½% of the Sum Assured will be payable. The first survival benefit will be payable on survival to one year after the end of the accumulation period.

Maturity Benefit:
On survival to the policy, anniversary coinciding with or immediately following the completion of age 100 years, the Sum Assured along with Loyalty Addition, if any, will be payable.

Death Benefit:

  • In case of death of the Life Assured during the Accumulation Period, the Sum Assured and vested reversionary bonuses are payable.
  • In case of death of the Life Assured any time after the Accumulation Period, the Sum Assured along with Loyalty Addition, if any is payable.

OPTIONAL RIDERS AVAILABLE DURING THE ACCUMULATION PERIOD:
Accident Benefit Rider Option (Allowed for Regular Premium policies only):
The accident Benefit Option will be available under the plan by the payment of an additional premium. Accident Benefit Rider shall be available for an amount not exceeding the Sum Assured under the basic plan subject to an overall limit of Rs.50 lakh taking all existing policies of the life assured under individual as well as group schemes taken with Life Insurance Corporation of India and other insurance companies and the Accident Benefit Rider Sum Assured under the new proposal into consideration.

This benefit is available under Regular Premium policies only and it is not available under single premium policies.

In case of accidental death, the Accident benefit sum assured will be payable as lumpsum along with the death benefit under the basic plan. In case of accidental disability arising due to an accident (within 180 days from the date of accident), an amount equal to the Accident Benefit sum assured will be paid in monthly installments spread over 10 years or up to death or maturity, if earlier, and all future premiums under the policy will be waived.

The disability due to an accident should be total and such that the life assured is unable to carry out any work to earn the living. Following disabilities due to accidents are covered:

  • irrevocable loss of the entire sight of both eyes or
  • amputation of both hands at or above the wrists or
  • amputation of both feet at or above ankles or
  • amputation of one hand at or above the wrist and one foot at or above the ankle.

No benefit will be paid if accidental death or disability arises due to an accident in case of:

  • intentional self-injury attempted suicide, insanity or immorality of the life assured is under the influence of intoxicating liquor, drug or narcotic
  • engagement in aviation or aeronautics other than that of a passenger in any aircraft
  • injuries resulting from riots, civil commotion, rebellion, war, invasion, hunting, mountaineering, steeplechasing or racing of any kind.
  • an accident resulting from committing any breach of law
  • accident arising from employment in armed forces or military services or police organization.

Other riders available under this plan are:

  • Term Assurance Rider Option
  • Critical Illness Rider Option

All three optional rider benefits mentioned above shall be available during the accumulation period only.

GUARANTEED SURRENDER VALUE:

  • During Accumulation Period:

For Single Premium policies – After completing at least one policy year, 90% of the Single Premium received, excluding premiums for optional riders and extras, if any, will be payable.
If any, the cash value of any vested reversionary bonuses will also be payable.
This is irrespective of the age of the Life Assured.

For Regular Premium policies – After completion of at least three policy years and at least three full years’ premiums have been paid, 30% of the total amount of premiums paid, excluding the premiums for the first year and all premiums in respect of optional benefits and extras will be payable. However, if the age at entry of the Life Assured is less than or equal to 12 years, the guaranteed surrender value will be equal to

  • Before commencement of risk: 90% of the total amount of premiums (excluding premiums paid for the first year and any extras) paid.
  • After commencement of risk: 90% of the total premiums (excluding premium for the first year and any extras) paid before commencement of risk and 30% of premiums paid (excluding any extras) after the commencement of risk.

Premiums for Accident Benefit rider cover, Term Assurance rider cover, and Critical Illness rider cover will be excluded.
If any, the cash value of any vested reversionary bonuses will also be payable.

  • After Accumulation Period: This will be 85% of the Basic Sum Assured.

OTHER BENEFITS:

  • Loan: A loan facility is available under the Jeevan Tarang plan. However, the rate of interest would be determined from time to time by the Corporation. Presently the rate of interest is 9 % pa payable half-yearly.
  • Grace period: A grace period of one month but not less than 30 days will be allowed for payment of yearly, half-yearly, or quarterly premiums and 15 days for monthly premiums.
  • Cooling-off period: If you are not satisfied with the terms and conditions of the policy, you may return the policy to us within 15 days.
  • Revival: Subject to satisfactory evidence of continued insurability, a lapsed policy can be revived during the lifetime of the Life Assured but before the expiry of the Accumulation Period within a period of five years from the due date of the first unpaid premium by paying arrears of premium together with interest. The rate of interest applicable will be as fixed by the Corporation from time to time.

Eligibility Conditions For Jeevan Tarang:

  • Ages at entry: 0 to 60 years nearest birthday
  • Accumulation periods available: 10, 15, and 20 years
  • Maximum age at which premium payment ceases: 70 years nearest birthday
  • Age up to which life cover available: 100 years
  • Minimum age at the end of Accumulation Period: 18 years last birthday
  • Premium paying terms: Single Premium and, in case of regular premiums, equal to the accumulation period, i.e., 10, 15, and 20 years
  • Modes of premium payment: Yearly, Half Yearly, Quarterly, Monthly, SSS, and Single Premium
  • Sum Assured: Rs.1 lakh and over in multiples of Rs.5,000/-.

Jeevan Tarang: For Accident Benefit Rider (Allowed under Regular Premium policies only):

  • Ages at entry:18 to 60 years nearest birthday
  • Maximum age at which premium payment ceases: 70 years nearest birthday
  • Age up to which life cover available: 70 years
  • Minimum age at the end of Accumulation Period: 18 years last birthday
  • Premium paying terms: Equal to the accumulation period, i.e. 10, 15, and 20 years
  • Modes of premium payment: Yearly, Half Yearly, Quarterly, Monthly, SSS and Single Premium
  • Sum Assured: Rs.25,000 to Rs.50 lakh, considering all Accident Benefit Sums Assured under individual and
  • Group policies and Accident Benefit Rider Sum Assured under new proposals into consideration. The Sum Assured can be in multiples of Rs.5,000/-.
  • Availability of Rider: During the chosen Accumulation Period.

REBATES/EXTRA FOR MODE OF PREMIUM PAYMENT AND HIGH SUM ASSURED:

  • Mode Rebate:
  • Yearly mode: 2% of tabular premium
  • Half-yearly mode: 1% of the tabular premium
  • Quarterly: NIL
  • In the case of a monthly mode other than SSS, an additional amount of 5% of the tabular premium will be charged.
  • High Sum Assured Rebates:

For Annual premium

  • Rs.1.25%o Sum Assured for Sum Assured Rs 2 lakh and over;
  • Rs. 2.25%o Sum Assured for Sum Assured Rs 5 lakh and over.
  • For Single premium
  • Rs.7.50%o Sum Assured for Sum Assured Rs 2 lakh and over;
  • Rs.12.50%o Sum Assured for Sum Assured Rs 5 lakh and over.

EXCLUSIONS:

Jeevan Tarang shall be void if the Life Assured commits suicide (whether sane or insane at the time) at any time on or after the date on which the risk under the policy has commenced but before the expiry of one year from the date of commencement of risk under the policy and the Corporation will not entertain any claim by virtue of this Policy except to the extent of a third party’s bonafide beneficial interest acquired in the policy for valuable consideration of which notice has been given in writing to the office to which premiums under this policy were paid last, at least one calendar month before death.

Update: Table No.178 Has Been Discontinued.