Making 100k a Year - The $100K Lifestyle!
Вставка
- Опубліковано 11 гру 2020
- 100K Salary Lifestyle - The $100K Lifestyle !!!
Have you ever thought about how your lifestyle would be if you make more money? Most people dream of what they would do if they won the lottery and became a millionaire or even a billionaire. While it would be great to hit the jackpot and buy a Lambo or Ferrari, that’s more of a dream than a reality for just about most people.
I’ll be going over a more reasonable number and talking about how your lifestyle would change if you made that much money. The number that I’ll use will be $100,000. This is a good amount of money that you can use as a base for how to get rich in your 20s or how to get rich in your 30s.
So the question is: how exactly would your lifestyle change if you made $100,000? It shouldn’t surprise most people that you need to pay taxes on that money, but do you know how much taxes you would pay? How much cash would you take home? How much cash will I have to cover my basic needs? This video will go over and answer all of those questions.
Can you eventually make enough money to get to one million dollars? Sure, absolutely! This video will go over a money plan that you can use as a basis to work towards becoming a millionaire. This video will show that you can learn skills to be rich and show you there are ways to make money work for you, instead of you working for your money. We may not be Donald Trump or Jeff Bezos, but we can all work on ways to make more money and build wealth.
If you found this video helpful and entertaining, please share it with anyone you know that it can help.
ClearValue Tax and affiliates and related parties do not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any transaction.
Legal Disclosure: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Before investing, please consult a licensed professional. Any stock purchases I show on video should not be considered “investment recommendations”. I shall not be held liable for any losses you may incur for investing and trading in the stock market in attempt to mirror what I do. Unless investments are FDIC insured, they may decline in value and/or disappear entirely. Please be careful!
Thank you for all the likes and shares, I appreciate it so much!
Check out our website for more awesome content: clearvaluefinance.com/
Thank you for your hard work brother!
Great video.. not just the info but the visuals and editing are excellent. After this pandemic is over, you’re one of the few “Stimulus info” channels that will thrive. You put out excellent content.
The edits look amazing very nice and interactive!!
Thanks for the good info and orientation Brian. Your making a difference in people's lives with this.
As someone who makes 45k and my hubby makes 55k, I can guarantee you this is accurate. In fact, Brian's estimate is generous. Maybe I should leave my husband and marry him. HAHAHAHA
I use to think 100K was a lot of money -- until I made 100K.
It was.......
Same after three kids you realize how little it actually is
its better to spend it in mexico or costa rica... or?
same
Right? lol it’s not that much in so cal
Don’t know who needs to see this but hang in there, things will get better. You didn’t come this far just to give up!
Thank you, David J.! Seriously, thank you! I didn't even realize how much I needed these words. 🙏
Thank you for those encouraging words David! I hope you have a very nice weekend!
@@lexxussmooth Glad it lifted you up. 😁 Hope you have a good weekend!
@@DavidJ245 And I hope yours is better than you expect it to be. You're awesome!
Thank you wow best comment ever and you’ve had some good ones!!!
A lot of people are discouraged & this is so important to remember. Bless you !!
Brian if I made 100k a year and did everything you just said my anxiety would be non-existent. Shit I'd be grateful for 75k . You really make anything seem possible 🙏🏽
They say you experience a lifestyle change every time your income doubles, I hope you get to $75K and then $100K soon Shasha! I'm rooting for you!!!
@@clearvaluetax9382 Yassss I'm going to do everything I can to make it happen, Brian you have no idea how much I appreciate your kindness and support. May GOD bless you in every way possible 🙏🏽💯🎯
more money more problems
@@Mr.AlwaysonVacay bruh
I finally reached the 100k this year. My lifestyle has remained the same. I think I'm scared of going back to poverty so I'm here learning everything can to manage money. Thank God I live way below my means. My house and car loan together is 1,000@@clearvaluetax9382
When I was growing up in the 90s and early 2000s, making 6 figures was a status symbol. You were really doing something if you made 100,000 a year. It's scary how close it's coming to just being the necessary amount to live a decent life.
If people would stop borrowing money they cant pay back the inflation would slow down.
@@staceystrukel1917 buzz off. Inflation is controlled by the government and the federal reserve.
People should avoid debt, but that's not why inflation and real wages have gotten to the point they have.
@jonryckman1950 Debt increased demand because tue banks were giving everyone loans with less srtigent requirements, also newer generations probably less responsible
that's cause $100,000 in the 90s is equal to $300,000 in today's value
I’ll end this year making around $185,000-200,000 this year. The most I’ve ever been paid. My families lifestyle has not changed from when I was making $60,000 and we have had so much ease now. We don’t feel rich at all, it’s just now we are able to breath
Well done! You see money as a tool to maximize your family’s happiness rather than a badge of honor to prove your worth to your peers
My former roomate makes 200k a year in arizona and he is also the most stressed out person I've met..
In AZ? Wow... What does he do for a living cause that's a fantastic salary for AZ.
@@MGglenn he is a programmer and had like 30 yrs experience
@@janpauledwarddedios5366 oh
Yes, there needs to be a good work/life balance and a stress/health balance too!
200k isnt even that much to be stressed out over especially in software engineering when new grads can come out making 3-400k
I would be happy to just have a home where I can have family over.
Pretty pink you will!!!!
Work smart and hard and never give up, never give in to depression and you will indeed have a nice home.
@@GoLakers3900 Thanks..
Yes I would love that too!
I hope you get it
The more you make, the more they take! 😞
The timing of this is unbelievable.
Hey Nadine! That's great to hear! And thank you for all your support, I appreciate it so much Nadine!
The goal is to BE RICH, NOT to LOOK RICH. great video Brian!!!
Didn't Bill Gates say that ?
Well said Jose!!!
It's not about how much you make, but how much you $$$$$$$ you keep!
So true! Don’t spend on things that you don’t need, and you will be richer every month!
Guaranteed! Don’t overspend on shopping, or travel, or restaurants and there you have it. Your stimulus times 5.
@@dobritar113 😂😂😂 stimulus got me
You must earn a lot
2 $ave A lot
NAH its about how much you make, if you make 100 and keep 50, thats almost nothing. a rich person could make 100k and only keep 5% of that and be much better off
@@MangaMiyn ok...but people making minimum wage are struggling to even keep a place to rent and keep food on the table so its impossible to _save_ anything at all!
I loved this video. This man was straight to the point with no B.S. And, I loved how he asked me to like the video halfway through, not in the beginning like other UA-cam. Why? Because I'll only support someone or something after I find it valuable. Thank you!
I made over $100K a year on my most recent consulting gig. It lasted 3 years. My primary focus was creating an emergency fund. I was able to save almost a years salary. This has come in handy this past year. I was also able to travel to Europe and Australia, buy a new Jeep that I have almost paid off. I like to be practical and have a little fun.
The problem is finding a job that will pay me $100,000.00 without a college degree. 😔
You dont need a degree to make $100k. I work in a foundry and 80% percent of my coworkers make $100k plus.
U don't need a college degree to make $100k, here are are some real jobs that will get u there
1. Realtor
2. Online reseller
3. MJ trimmer
4. Any sales job
5. Write how to on udemy, etc
The trades. Especially plumbers and electricians. If you do side jobs, you'll easily make that and some. The top union plumbers around my area make about $90,000 a year without overtime. Elevator guys make well above that. They're in a league of their own.
It's tough, it really is but you can do it Naomi!
I work 2 full time job just to make 100k a years it not easy feel like giving up everyday but I rather suffer for now I retire early
OMG he hit it on the nose! This is EXACTLY the kind of calculations I do for fun!! And how I try to monitor my spending/savings!! 🤑
I’m glad I’m not the only one MsEriKaT😝
Very clear, concise, and sound advice. Working your finances to a daily budget helps drastically. I do this but rd up to the next dollar on my purchases. It gets me to my budget faster, but in the end I usually end up with an extra little play money.
Love all of the edits, looks really sweet! Keep up the quality videos!!
Love your content, Brian. Thank you for constantly and consistently providing everyone with this golden knowledge. Thank you!
This was a terrific video Brian.
No college degree here and highest i made a year was 55k, but I'm very good with money management, maxing Roth IRA, dump as much as I can into Robinhood personal investing and always using mobile discounts and promo codes when picking up food from restaurants and groceries
My money management game and spending habits are excellent , but if I had that 100k, the extra funds would be a blessing and I would still do everything in my power to be as frugal and efficient as possible so I can double my money faster in stocks, investing and saving
This is pretty accurate. I'm 32 yrs old with base of 115k in NJ. I drive a used 25k car and live way below my means. My collegues and friends make less than me and I dont know how they can lease/finance a 60-70k car, its obscene.
Could you Possibly do a 70-75,000 lifestyle? That’s where my household is more along the lines as I’m sure most are as well. Also the channel is super amazing. Thank you for all that you do.
My husband and I make $55k/yr, 100k would be a VAST improvement.
They say you experience a lifestyle change when your income doubles. Thank you for that comment and all your support Ivana! I hope you have a very nice weekend!
55k each or in total??
@@remidibeatz8780 total.
@@ivanamendez478 You should look at other opportunities, with little training you could both achieve 40-50k salary and double your income.
How
Brian I just want to say YOUR THE BEST! I'll keep supporting you and your channel for as long as you keep making vids. please don't stop !
Love the videos, nice and concise breakdown as always!!
Thank you Alwyn, I appreciate that and all your support so much!
I make about 90k a year, up to a 100k with overtime. I’m a union engineer here in Chicago! Me and my wife make about 150k a year, we’re saving up to build a house. Keep up the good content
Go go Chicago! Thanks for that comment and all your support NHope95!
Now that's the type of info I would like to see on your channel daily and things in more detail also!💰🔥🔥🔥 Great job sir. Thank you and please continue on this path on your UA-cam channel.
That is so kind of you, thank you for your support Terry! I appreciate it very much and awesome emojis!
Happy Saturday Brian!! Thanks for being so generous with your wisdom!💖💖💖👑👑👑 Budgets are so crucial so as to avoid getting into a financial mess.
You're right Adaobi, budgeting is key! Thank you for all your support and those wonderful emojis Adaobi! =)
Making 100k a year just means you’re secure these days tbh
NOT REALLY-ESPECIALLY IF YOU HAVE DEBT COSTING MORE THAN THAT. MAYBE IS YOUR DEBT FREE MAKING THAT AMOUNT A YEAR LIVING BELOW YOUR MEANS THEN YES.
I see you everywhere bruh
The key to keeping 100k is no wife no kids no debt and a good savings strategy and you will be able to live very well
Only if your in city like san fran/nyc otherwise 100k is still great and well above average
@@mysteriesphanto3528 thats the plan lmao
For those of us asking for 50k videos, Brian was nice enough to break it down by percentage. Just plug in your income. Federal tax would be different but hope you know how much you pay in taxes. Not being able to do simple math may be the reason why we struggle. Good luck!
People love it when you think for them. Theres a market in that Im sure.
PLEASE more videos like this Brian!!!, I'm at the 75k level personally and this really helps put things into perspective
Great for showing people to have realistic expectations (or just build a path that nets them way more money).
Great job for being realistic and breaking down the math for us! 😂
Glad you liked it! Thank you for your support Simrri 1!
I'm not rich but I learned how to save money. I work hard. As long as I'm happy, content, and healthy. I'm Blessed! ❤🙂 Thank you Brian. 🙂
Thank you for that wonderful comment Susie! I appreciate your support and all those emojis and hope you have a wonderful rest of your weekend! =)
I'm watching all the ads because this guy is so humble. Thank you these are valuable tips!
So informative! I actually felt the urge of taking notes👓. Thank you Brian 😊
Thank you for that awesome comment Neydi, I appreciate your support so much! Thank you for those two super cool emojis too Neydi!
I thoroughly enjoyed this video. I’d be interested to see more of these for the average working class income too. Personally, no longer have financial goals as bad as that may sound, I just don’t want my finances to stress me to the point of out taxing my central nervous system.
I will have financial goals as long as I'm forced to work every day for shelter and food. Then, when I have enough money to sit on my ass all day in the comfort of my home, I'll no longer have financial goals. :)
Awesome video! What I like most about your videos is that you do a great job of packing in a ton of value in short period of time 👏👌
Thank you Dalvin for that feedback and all your support, I appreciate it so much!
Great video! Love the daily news but definitely a nice change. Been watching since early this year and always enjoyed the content. I’m not surprised of the growth to over 1m subs so quickly. Keep growing!
Thank you Ren for all your support, I appreciate your comment and all your support so much! I hope you have a very nice rest of your weekend. Take care Ren!
U predicted when I would like. Your barometer for the value you provide is strong. Subbed
I really appreciate you taking the time to make this video. Thank you!
That is so kind of you Alex! I appreciate that and all your support so much. Thank you Alex!!!
Nice video. Remember everyone it's not about how much money you make it's about what you do with the money you make.
Hey Brian, awesome video here. Just wanted to add that any traditional 401k contribution is taken out of your paycheck before taxes, thereby lowering your taxable income. So in PA for me it lowers my tax from 25.5% to 23.9% after I max out my contribution, saving me $1,600 a year.
That’s not true at all. Only traditional 401k contributions are pre-tax.
@@Moe1993xyeah you’re right. Edited my original comment for clarity
I absolutely loved this video and love all your channel content 👏 keep it up!! You're amazing
A lot of it goes straight to taxes...better invest it in a 401k!
Yes, about 26% give or take a few percentage points, it's a lot Oliver!
I’ve given up on the stimulus but I’m super excited to get some economic tips from you bro 😎
Thank you Donnie, I appreciate your support bro!
I love the fact that I don't even have to go 20sec. Into your videos, and know that they are valuable, and LIKE worthy! 👍🏾 Thanks. Keep it up Buddy 😉
That is so kind of you Arthur, thank you so much for that feedback and all your support!
Big brother Bryan dropping the much needed knowledge. Kids need to see this.
Haha thank you so much for that awesome comment Bee Yang!
Thank you Brian....wonderful, informative, intelligent and useful information for all of us to apply for our financial health.
That is so kind of you Marianne. Thank you so much for all your support!
Great content, keep it up!!
Hello Brian, I just wanted to tell you that this is the only channel that I am subscribed to. I give every vídeo a like, and I always have something to say in the comment section. I hope this helps. Have a great weekend. 👍
Thank you SO MUCH Rob, you are so kind and I appreciate your support SO VERY MUCH! Thank you Rob!
Good afternoon everyone enjoy the rest of your day. 🙂💜💙💜
Good afternoon to you too Trina! Thank you for the Saturday support, I appreciate it so much =) Very nice emoji combo again Trina, you are so awesome =D
@@clearvaluetax9382 🙂
@Mike Stroud thank you Mike 😁
I think the pandemic has taught people the importance of multiple streams of income unfortunately having a job doesn’t mean security
How do I contact Mr John?
Expert John has been managing my trade for months and I keep making profits every week , made $9,130 last week
BIG FACTS! If nobody has learned that during these times then they are foolish
@Victoria Hunt Sounds splendid....not reality tho. It'll never happen
Well said Rebecca!
Great presentation, Brian! Love the vision 🤩💰
That is so kind of you Blu Feather! Thank you for all your support and those two super cool emojis =)
Wow 🤯🤯, can u be my financial advisor the way u just broke everything down was just amazing.👍👍👍👍
Thank you for that compliment David! I'm just a lowly accountant and don't do financial planning David!
Perfect and straight forward
Thank you Nebil for that feedback and all your support, I appreciate it so much!
This is my new budgeting outline!!
Awesome!!! I'm so happy to hear that Eva =) Thank you for all your support, I hope you have a very nice weekend!
Exactly. People with 200k household income don't drive Lambos.
It's time to hustle and invest and then drive a lambo in old age 😅
Or wallstreetbets it 😂 haha jkjk
Millionaires drive ford F150s and Honda pilots so when your on the road just remember these are the real millionaires not the fake ones
Thanks for this! Making 100k+ is one of my professional goals and I’m getting closer. I live in the midwest. 100k would be considered a lot.
You can do it lets behonest!
Relatable I make a 100k a year and feels stressful...the amount of taxes sometimes is discouraging...but knowing all the tricks and breaks makes a huge difference.
I make 100k. 4 kids and a wife lol 😂 but I’m not complaining
I make 105k a year with 2 kids and a wife. I'm broke as hell lol. Daycare, food, entertainment, clothes..... 100k is not enough lol
When I lived in NY and CT that amount is so different than it is here in the Florida Panhandle.. here.. I could buy a huge house, not pay state Income tax.. but.. it’s nearly impossible to make that here. Really depends on location.. a lot
Same I make $100,000 trucking I have a wife and 2 kids lol but I live in Washington state so I’m still broke
The lifestyle really depends a lot on what you mentioned... children, age of the children, whether you have a spouse and what their income is... so many variables!
@@clearvaluetax9382 I agree. My wife makes 50k a years. We are doing well but wish we could be doing better. I can't imagine making less than 100k a year. Maybe I need to reevaluate my budget. Thanks ClearValue
I will definitely be watching this again. With pen and paper next time lol
Thank you...a sobering yet positive look on living within a 100k budget. Keep up the great reports, please!👍
Thank you for that comment and all your support Stan! Yes, I wanted to give a sobering and realistic expectation for that income level.
Very helpful and informative, as always!
Thank you Holly! I appreciate that and all your support so much! I hope you have a very nice weekend Holly =)
Ohh I like this! Can you do like 50k, 150k budgets
Jason Tempel Read my middle finger
100k don’t seem a lot now 😭
Then you have issues
It’s not!
It’s not if you raise your expenses. The trick is to make more but keep lifestyle the same leaving more to invest.
@@GummyRiches this person does not have issues. You have the issue of a broke mentality for trying to put down someone without understanding their needs and ambition, which clearly above yours.
You’re certainly not the coolest or the smartest but your adding value and that’s all that counts. You made me more valuable thank you.
You rock on UA-cam! Your content is very informative.
Thank you Angela!!! You rock too!!!
When I worked for the government I ended up having a salary of a little under a hundred and twenty thousand a year I would take that income over what I'm getting on Social Security and a measly pension from the government any day Brian thank you for all you have done and keep doing what you doing I enjoy watching the extra videos on the weekends something a little more positive
should've saved that money pal
Its cozy esp if you're single with no children. No need to spend $60 a day though. Instead, Spend $10 once week on a lunch treat or $40 a week on dinner or movies.
Yes, definitely depends on your circumstances, great point Catie!
It’s so nice to see a different side of you .. you’re elite
You are too kind ANDI! I appreciate your support so much. Thank you ANDI!!!
@@clearvaluetax9382 anything for you daddy Brian 😜😍
Wow, this is so on time! Thank you!
Brian how did you know! I took a quick break to youtube from budgeting and this was the first video I saw. It must be a sign to get back to work lol
The youtube algorithm strikes again LOL. Thank you for all your support nayyahful!
Here for the support
Thank you Shipp Nikita, I appreciate your support SO MUCH, especially on a Saturday. Thank you Shipp Nikita =)
I love this break down. Very educational.
Thank you Katlyn for your feedback and all your support! I appreciate it so much!
Super well done! Please keep up the videos man 😎👍
Thank you for all your support HowtoPopo! I appreciate it so much and thanks for those emojis!
Depends on where one lives. In California that amount barely covers rent, student loans, and along with other payments.
Definitely agree Victoria. Depends on the cost of living based on where you’re at.
Depends in the part of California. That's more than enough living in the central valley
Depends what part of California
I actually disagree
Even if you pay $2000 on rent and $1000 on student loans
You have 3k left to live off
Say you have the following
$600 car not
$500 groceries
$150 car insurance
$250 health
$500 household bills
You still have $1000 left over
Even if you have a credit card $500/month you still have $500 fun /savings left over …. And income goes up if you pay off the credit card , negotiate for a lower payment student loan or pay them off, pay off the car or don’t get such an expensive car, and budget the groceries….
You still live good
Thank you!♥️
Thank you Eddie for all your support, especially on a Saturday! I hope you have a very nice weekend!
Fantastic video, thank you for putting something like this out.
Wow thank you for the advice Brian!!
Thanks for that comment and all your support Anthony! I hope you have a very nice weekend!
I make $100,000, but I live in California; so I’m considered below poverty and can’t afford to buy a house
Lol no you're not, the low income line in the richest areas of California is $50-60,000 at most
Good point Sara, your geographic location makes a huge difference, especially in housing!
Sounds you gotta find a way to increase your income and get out of California. Cali needs all your coins
Making 100K a year around the San Francisco area considered low poverty. Too many rich ppl and expensive. Still should be able to get a spot tho🤔
LoL!!! How tf you make 100k/year and cant by a house in cali!?? Sounds to me you have poor credit and spending habits. I'm a homeowner here in so cal and have NEVER made close to 100k. And no I dont live in no shitty area either cause i have 3 kids and did i mention I'm a single father.
I would open my own animal rescue and donate to others.
That sounds so awesome Evilla!
Love this video! Thanks for posting!
That's so kind of you Halley! Thank you so much for all your support, I appreciate it so much!
Great video Brian. Stay safe and take care.
Thank you Jay for all your support! I appreciate it very much!
I need to go back to school and finish my accounting degree
Accounting is a solid choice KitaKat!
great presentation but the only times I have spent $60 a day was on vacation. However I never made 1k a year
You never made 1k dollars in a whole year..?
He said a hundred k which is 100,000.00. Or are you seriously saying you've never made one thousand dollars a year in your life?
@@kerupimamana2714 he edited the post. It did say 1k
@@After_Shocckk my bad.
@@kerupimamana2714 I meant 100k
Really dig the presentation brother! How did you edit this video? Accounting topics can be dull to pesent, this spices it up quite abit!
This man is doing gods work -begins making a spreadsheet- How he doesnt have over 5 million views every video and subscribers I have no clue. I check his videos all the time.
Thanks for being awesome 🥰🥰🥰
Hey Semira!!!!! Wow, it's always great seeing you =) Thank you for those wonderful emojis =P I hope you have a very nice weekend!
It depends on where you live and your current lifestyle. 100K in northeast is different from 100K in the south.
Your geographic region definitely has a large impact on the cost of living/budget.
You almost described my life my wife and I were laughing about how close our numbers matched, the only thing missing for us is the investing thing I do not have any idea on how to start doing it, any help would be really appreciated.
Keep the good videos coming!
We've been getting closer and closer to making 100k a year(combined). If not for Covid we probably would have hit it this year, but I'm hopefully for 2021. Bright side, we still managed to finally pay off the last of our debt, so 2021 we start debt free and will start saving for a 3 month emergency fund.
I have a paid off house and making $102k per year, but it doesn’t seem like I can save 20% of it 😅
Time to take a hard look at your expenses and research how people live off of half of that, or save the 20% first and force yourself to only live off the 80%. If you are working a traditional job, ask payroll to split your direct deposit into two separate bank accounts.
Wtf? Then you don't deserve that salary
@@stevenroshni1228 great advice. Based on Brian’s calculations, I could easily save a little over $34k per year. Problem is, having the discipline everyday is difficult.
I have been earning $30,000 a year if I’m lucky.
The curse of being female it seems. All the folks on here that will be making 6 figures will be primarily male, go figure. And you can all tell me to get an education when I hold 2 degrees, speak fluent Spanish as a 2nd language, and work in healthcare.
@@raeblair6166 The curse of being a female? What’s stopping you from making $100k? I know its not the imaginary white man everyone likes to complain about
Here comes the misogyny!
@@raeblair6166 So what are you complaining about?? Sounds like you good
@Cap Nfapn You are the BS!!i I am your feminist nightmare. Back to your basement safe space.
Awesome video, Sir. Could you upload more on budgeting videos with taxes taken into consideration. Thanks. Amazing work!
That's a good idea Dr. Death, budgeting videos sound great! Thank you for that Dr. Death!
Great video. Professional, to the point, truth, gems
Now i see why high tech workers that ride in my Uber are always crying that they are broke😱
LOL Julio
Nah it’s because spending habits increase when you make more. I know some ‘power couples’ pulling $300k+ who cry poor. It’s because they never stop buying new cars, swimming pools, and putting additions on their home yet they still carry student loans. It’s absolute madness.
@@HubLocationSound agree with you the most you make the most you want
If I made 100k you couldn't tell me nothing. I would feel ridiculously rich. 😂
can't tell me shit since it happened but this video is true, I legit try to spend less than 60$ a day and keep track- harder than u would think
Hey I was one of the people who watched your journey grow since 20k subscriber man! I’m glad you have a mil now and I’m in Chicago as well! I remember those live sessions! Haha also this is my first year going 100k plus 😄
Brian, thanks for this video.
I really miss the picture though.
Can't wait to see the new one
It should be up after this week =P Thank you for all your support Stephanie =)