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This is the '''Consum(er)ium Consumerium list of [[w:alternative financial services|alternative financial services]] lists'''.
The Finnish language URLs http://velallisten.yhteinen.asia and http://vertaislainaajien.yhteinen.asia redirect here.
= Consum(er)ium list '''Spectrum of alternative financial services lists =consumer finance''' by the lowest troll
Spectrum of consumer * [[w:Predatory lending|Predatory lending]] -> ::* [[w:Payday loan|payday loan]] -> ::::* Proletariat finance-> ::::::* [[w:Peer-to-peer lending|peer-to-peer loan]] -> ::::::::* Credit card debt -> ::::::::::* Bank loan
[[w:Predatory lending|Predatory lending]] -> [[w:Payday loan|payday loan]] -> proletariat finance -> [[w:Peer-to-peer lending|peer-to-peer loan]] -> credit card debt -> bank loan '''What is alternative finance? What are alternative financial services?'''
== What is alternative finance? What are alternative financial services? ==
{{Q|'''Alternative Finance''' refers to financial channels and instruments that have emerged outside of the traditional finance system such as regulated banks and capital markets. Examples of alternative financing activities through 'online marketplaces' are reward-based [[w:crowdfunding|crowdfunding]], [[w:equity crowdfunding|equity crowdfunding]], [[w:peer-to-peer lending|peer-to-peer consumer and business lending]], invoice trading third party payment platforms.|Wikipedia|[[w:alternate finance|alternate finance]]}}
Often the spectrum ranges from brute loan sharking in operations known as [[w:payday loan]]s all the way to almost respectable interest taking of non-collateralized loans.
== What is APR, why does it matter? ==
{{Q|APR stands for the [[w:annual percentage rate|annual percentage rate]].|everyone|annual percentage rate}}
{{Q|[...] In many countries and jurisdictions, lenders (such as banks) are required to disclose the "cost" of borrowing in some standardized way as a form of [[w:consumer protection|consumer protection]]. APR is intended to make it easier to compare lenders and loan options.|Wikipedia|annual percentage rate}}----
{{Q|In [[w:EU|EU]] all loaning operations must show the APR for their example loans that they use '''Peer-to market their services.|[[w:European Parliament|European Parliament]]|law regarding advertisement of loans}}-peer lending, peer-to-peer investing and socially responsible investing '''
* APR can range from '''hundreds of percent''' to '''few tens''' of percent. Credit card debt is usually in the 10-15% zone.
 
== Peer-to-peer lending, peer-to-peer investing and socially responsible investing ==
{{Q|'''Peer-to-peer lending''', abbreviated '''P2PL''', is the practice of [[w:loan|lending]] money to unrelated individuals, or "peers", without going through a traditional [[w:financial intermediary|financial intermediary]] such as a bank or other traditional [[w:financial institution|financial institution]]. P2PL is not to be confused with [[w:peer to peer investing|peer to peer investing]] (P2PI). This lending takes place online on peer-to-peer lending companies' websites using various different lending [[w:Computing platform|platforms]] and [[w:credit check|credit check]]ing tools. Many also use the abbreviation "P2P" when discussing the peer-to-peer lending or investing industries more generally. Peer-to-peer lending is also known as crowdlending.|Wikipedia|[[w:Peer-to-peer lending|Peer-to-peer lending]]}}
{{Q|An '''[[w:ethical bank|ethical bank]]''', also known as a '''social''', '''alternative''', '''civic''', or '''sustainable bank''', is a bank concerned with the social and environmental impacts of its investments and loans. The ethical banking movement includes: [[w:ethical investment|ethical investment]], [[w:Impact investing|impact investment]], socially responsible investment, [[w:corporate social responsibility|corporate social responsibility]], and is also related to such movements as the [[w:fair trade|fair trade]] movement, [[w:ethical consumerism|ethical consumerism]], and [[w:social enterprise|social enterprise]].|Wikipedia|ethical bank}}
== ---- ''' Microfinance and microcredit =='''
{{Q|'''[[w:Microfinance|Microfinance]]''' is a source of [[w:financial services|financial services]] for entrepreneurs and small businesses lacking access to [[w:banking|banking]] and related services.|Wikipedia|microfinance}}
:: More reading [[w:Impact of microcredit|Impact of microcredit]]
 
----
''' What is APR, why does it matter? '''
{{Q|APR stands for the [[w:annual percentage rate|annual percentage rate]].|everyone|annual percentage rate}}
 
{{Q|[...] In many countries and jurisdictions, lenders (such as banks) are required to disclose the "cost" of borrowing in some standardized way as a form of [[w:consumer protection|consumer protection]]. APR is intended to make it easier to compare lenders and loan options.|Wikipedia|annual percentage rate}}
 
{{Q|In [[w:EU|EU]] all loaning operations must show the APR for their example loans that they use to market their services.|[[w:European Parliament|European Parliament]]|law regarding advertisement of loans}}
 
* APR can range from '''hundreds of percent''' to '''few tens''' of percent. Credit card debt is usually in the 10-15% zone.
----
= Multiple countries / global Consumerium list of alternative financial services lists =* https://www.bitbond.com - Global BTC based P2P lending* http://www.pointninecap.com/bitbond - Bitcoin based SME funding* [[w:BTCJam|BTCJam]] [https://btcjam.com/ (.com)] - P2P loans using [[w:bitcoin|bitcoin]]s* [[w:Kiva (organization)|Kiva]] [http://www.kiva.org/ (.org)] microcredit in 82 countries - "To connect people through lending to alleviate poverty"* https://loanbase.com/* https://www.twino.eu/* [[w:United Prosperity (organisation)|United Prosperity]] [http://www.unitedprosperity.org/ (.org)] * [[w:Vittana|Vittana]] [http://www.vittana.org/ (.org)] - microcredit for the developing world* [[w:Zidisha|Zidisha]] [https://www.zidisha.org/ (.org)] - microcredit for Africa and Asia
 == Socially Responsible Investing = Meta-Searches =* https://www.lendahand.com/ is an online impact investing platform where socially conscious investors can invest in entrepreneurs and sustainable * [[w:Kiva (organization)|Kiva]] [http://www.p2pmoneykiva.org/ (.org)] is an international nonprofit, founded in 2005 and based in San Francisco, with a mission to connect people through lending to alleviate poverty. It provides P2P microcredits in 82 countries - Their slogan is "To connect people through lending to alleviate poverty"* https://www.openinvest.co/ is a [[w:Public-benefit corporation]] offering a platform for making [[w:Socially responsible investing|socially responsible investments]] in USD.* https://www.swellinvesting.com/ offers [[w:impact investing]] services in USD.* [[w:United Prosperity (organisation)|United Prosperity]] [http://www.ukunitedprosperity.org/companies(.org)] is a non-profit organization offering P2P microcredit services and operates with PayPal payments. It does not lend directly to the receiver of the loan, but instead a bank.htm comparison chart The microcredit offered by the investors is used as collateral for the bank resulting in the bank effectively loaning almost double the amount of money invested by the investor.* [[w:Zidisha|Zidisha]] [https://www.zidisha.org/ (.org)] is a non-profit P2P microcredit platform for investing in Africa and Asia. It is the first international P2P microcredit platform ever created. == Cryptocurrency based P2P lending services ==* https://www.bitbond.com - Global [[w:bitcoin|bitcoin]] (BTC) based P2P lending initiatives in emerging countries.* http://www.pointninecap.com/bitbond - BTC based SME funding* [[w:BTCJam|BTCJam]] [https://btcjam.com/ (.com)] - BTC based P2P loans---- == Multiple countries / currencies ==* https://www.twino.eu/ is P2P siteslending service operating in the EU, Latvia, Poland, Russia, Georgia, Denmark, Spain and Kazakhstan. The site is available in English, German and Latvian. = Africa === Nigeria ==* https://www.farmcrowdy.com/ facilitates P2P lending to small farmers in Nigeria* https://www.cloudfarmfunds.com/ facilitates farmers empowerment and enriching its funders in Nigeria ----
= Asia =
== Australia ==
=== List of P2P financial services in Australia ===
* [[w:DirectMoney|DirectMoney]] [https://www.directmoney.com.au/ (.com.au)]
* https://www.societyone.com.au/
* [[w:Virgin Money Australia|Virgin Money Australia]] [http://virginmoney.com.au/ (.com.au)]
* [[w:Wisr|Wisr]] [https://www.wisr.com.au/ (.com.au)] is a publicly listed P2P lending site for consumers in Australia.
== China ==
=== List of P2P financial services in China ===
* http://chinarapidfinance.com/
* [[w:Dianrong|Dianrong]] [https://www.dianrong.com/ (.com)]
* http://english.creditease.cn/
* [[w:Lufax|Lufax]] [https://www.lu.com/ (.com)]
== Hong Kong ==
=== List of P2P financial services in Honk Hong Kong ===* https://www.welend.hk/en/ by [[w:WeLab]] [http://www.welab.co/(.co)]] is a P2P financing service aimed at private individuals
== India ==
* [[w:Milaap|Milaap]] [https://milaap.org/ (.org)] microfinance in India and Singapore
* [[w:Rang De|Rang De]] [https://www.rangde.org/ (.org)] microfinance by P2P lending.
* [http://www.inoxcapitals.com Inox Capitals (.com)]
 
== Korea ==
* 8Percent [https://8percent.kr/ (.kr)]is a korean P2P financing service for businesses
* Funda [https://www.funda.kr/v2/ (.kr)] is a P2P financing service for SMEs
* Honest Fund [https://www.honestfund.kr/ (.kr)] is a P2P financing service by BMO
* Lendit [https://loan.lendit.co.kr/loan (.co.kr)] is a korean P2P financing service for consumers
* Roof Funding [https://www.rooffunding.com/ (.com)] is a Korean P2P financing service for real estate
== Marshall islands ==
== New Zealand ==
=== List of P2P financial services in New Zealand ===
* [[w:Harmoney|Harmoney]] [https://www.harmoney.co.nz/ (.co.nz)]is a P2P lending service for consumers* https://www.squirrelmoney.co.nz/ is a P2P lending service for consumers
== Singapore ==
=== List of P2P financial services in Singapore ===
* [[w:Capital Match]] [https://www.capital-match.com/ (.com)] P2B financing for SMEs in the Southest Asia* [[w:Funding Societies|Funding Societies]] [https://www.fundingsocieties.com/ (.com)]P2B financing for SMEs
= Europe =
== Lists List of P2P financial services in Europe ==* [http://www.crowdfundbeat.co.uk/2015/06/11/top-15-european-peer-to-peer-lending-services/ Top 15 European peer-to-peer lending services list by crowdfundbeat.co.uk]
== Austria ==
=== List of P2P financial services in Austria ===
* https://www.dofinance.eu/ service offering auto-investing in loans == Belgium ===== List of P2P financial services in Belgium ===* https://www.lookandfin.com/ is a Belgian P2B loan service for SMEs. Available in French and Dutch. == Bulgaria ==* https://www.klearlending.com/ is a bulgarian P2P lending finance servicefor consumers.
== Czech republic ==
=== List of P2P financial services in Czech republic ===
* https://www.ferratump2p.cz/ is a Czech P2P lending service for consumers and SMEs* https://www.zltymelon.com/P2P financing service for consumers
== Estonia ==
=== List of P2P financial services in Estonia ===
* https://www.bondora.com/et is an Estonia based P2P lending service also available in Finnish, English, German and Spanish. (Formerly https://www.bondora.ee)
* https://www.bulkestate.com/en/ is an Estonian real estate crowdfunding and group-buying platform * https://crowdestate.eu/ (P2P real estate funding service. Founded in 2014).* https://crowdestor.com/ is an Estonian P2B lending site* https://envestio.com/ is an Estonian P2B investment platform for real estate and more* https://estateguru.co/ if a P2P service for secured real estate loans. It was originally named called https://www.estateguru.eu/ (. Founded in 2014).* https://fundwise.me/en (is an equity crowdfunding service. It was founded in 2015) - Equity crowdfunding.* https://investly.eu/ (is a P2B service for invoice financing. It was founded in 2014).* https://www.iuvo-group.com/en/ is an Estonian P2P investment platform* https://www.monestro.com/ is an Estonian P2P lending site for consumers.* https://www.moneyzen.eu/ (en is P2P finance service for consumers. It was founded in 2014).* https://omaraha.ee/en/ is an Estonian P2P lending site for consumers.
== Finland ==
=== List of Finnish alternative financial services lists ===
View [[Lists of price comparison services#Finland|Consum(er)ium Consumerium list of price comparison services in Finland]] for more finance related comparison shopping websites].
=== List of P2P financial services in Finland ===
* https://aurorax.co/ is a P2P lending service for consumers. It was founded in 2017.* https://www.bondora.fi/- Consumer loans service* http://www.fellowfinance.fi/P2P financing service offering consumer and business loans * https://www.fixura.fi/fien-fi/home/P2P lending service for consumers* https://www.lainaajakingrahoitus.fi/laina-yksityiselta/* https://www.trustbuddylainaaja.fi/ by TrustBuddy AB (NO)P2P lending service for consumers* https://www.luottopalvelutvauraus.fi/ === Lists of is a P2P financial services in Finland ===* http://www.tuntitililending service for businesses.fi/vertaislaina
=== List of alternative investment schemes in Finland ===
* https://www.fastinvest.com/en is a service for investors to finance loans given out by an orginator. Also possiblity to invest in an ICO (Initial Coin Offering).* Funds accumulated by http://korkeatuottoinen.fi/ are being lent out as consumer and business finance by http://lainasto.com . They claim the [[w:preferred shares|preferred shares]] of lainasto.com are paid interest an 8% yield, paid 12x a year by korkeatuottoinen.fi.
== France ==
=== List of P2P financial services in France ===
 * httphttps://friendsclearbolden.fr/ P2B lending service* https://www.credit.fr/ P2P lending service for SMEs and consumers* https://en.lendix.com/ - entre entrepreneurs et investisseursis a French P2P financing service for SMEs and individuals. Available also in Spanish, French and Italian.
* https://www.pret-dunion.fr/ crédit « entre particuliers » [[w:fr:Prêt d’Union]] -
* http://reassurez-moi.fr/taux-pret-immobilier comparateur open data des banques »
* https://www.unilend.fr/ is a French P2P lending service for SMEs* https://www.younited-credit.com/- Consumer loans, refinancing and insurances* https://www.pretto.fr/ - real estate broker online and free
== Germany ==
* https://www.auxmoney.com/ - Geld leihen, Geld anlegen
* [[w:Funding Circle|Funding Circle]] [https://www.fundingcircle.com/de/ (.com)] Firmenkredit was previously called [[w:Zencap]] [https://www.zencap.de/ (.de)].
* https://www.crosslend.com/ is a German B2B investing service * [[w:Lendico|Lendico]] [https://www.lendico.com/ (.com)] * http://www.smava.de/ Smava Privatkredit und AutokreditP2B loans platform
=== List of P2P rental services in Germany ===
== Ireland ==
=== List of P2P financial services in Ireland ===
* https://flender.ie/ P2P financing for individualsconsumers* https://www.gridfinance.ie/ is an Irish P2B financing service for SMEs* https://www.linkedfinance.com/ P2P P2B financing service for SMEs
== Italy ==
=== List of P2P financial services in Italy ===
* http://prestiamoci.it/P2P loans for consumers* http://www.smartika.itP2P loans for consumers
== Latvia ==
=== List of P2P financial services in Latvia ===
 === List of investment services in Latvia === * https://www.grupeer.com/ Investment platform into loans from originators* https://system.lenndy.com/ is a Latvian P2P lendinginvestment service that finances both consumer and SME loans* https://www.mintos.com/en/ P2P lending to individualsInvestment platform into loans from originators* https://peerberry.com/ ab investment platform into loans from originators* https://robo.cash/ Automated investing into loans from originators* https://www.swaper.com/ is a Latvian loan marketplace platform offering investments in pre-funded unsecured consumer loans originated by its parent company Wandoo Finance Group.* https://viainvest.com/ - Investment platform into loans from originators* https://www.viventor.com/ Investment platform into loans from originators
== Lithuania ==
=== List of P2P financial services in Lithuania ===
* https://gosavy.com/ is a Lithuanian P2P investment platform* https://www.finbee.lt/en/P2P and P2B loans service for consumers and SMEs* https://www.neofinance.com/ is a Lithuanian P2P investment platform
== Netherlands ==
=== List of P2P financial services in Netherlands ===
* https://www.fundingcircle.com/nl/ provides P2P loans to SMEs
* https://www.geldvoorelkaar.nl/ P2P lending service for SMEs
== Poland ==
=== List of P2P financial services in Poland ===* https://www.finansowo.pl/ P2P loan service for consumers == Portugal ===== List of P2P financial services in Portugal ===* https://www.raize.pt/ is a Portuguese P2P loan service for SMEs. Raize was the first P2P financial service in Europe to go public with it's IPO in 2018 
== Slovakia ==
== Spain ==
== Short-term loan comparators in Spain ==
* https://loansmart.es/ Compare short term credits and loans - Compare los créditos a corto plazo y los préstamos
 
=== List of P2P financial services in Spain ===
* https://arboribus.com/ P2B lending service for business loans* https://www.grow.ly/ P2B lending service for business loans* https://www.loanbook.es/ P2B lending service for SMEs* https://www.mytriplea.com/ is a Spanish P2P lending service
== Sweden ==
=== List of short-term loan comparators in Sweden ===
* https://loansmart.se/ Jämför smslån och privatlån - Compare short term credits and loans
=== Lists of P2P financial services in Sweden ===
* https://lendify.se/P2P investments and loans for consumers* https://toborrow.se/sv/P2P investments and loans for consumers == Switzerland == * https://www.advanon.com/en - A Swiss P2P invoice financing service
== UK ==
=== List of P2P financial services in UK ===
* https://www.ablrate.com/ P2B financing service
* [[w:Abundance Investment|Abundance Investment]] [https://www.abundanceinvestment.com/ (.com)] P2P funding for ethical and ecological projects and endeavors.
* https://www.archover.com/ P2P financing for businesses
* [[w:Assetz Capital|Assetz Capital]] [https://www.assetzcapital.co.uk/ (.co.uk)]
* https://blendnetwork.com/ is a P2B lending service for established businesses which can provide collateral
* [[w:BondMason|BondMason]] [https://www.bondmason.com/ (.com)] P2P lending
* https://www.thebridgecrowd.com/ P2P real estate loans secured by real estate
* https://www.britishpearl.com/ is a P2P real estate financing service where you can invest in shares in properties or issue a loan. Has ISA investing available* https://www.burnleysavingsandloans.co.uk/ P2P loans for individuals consumers and companies in Burnley . Vehicle loans and Lancashirerefinancing
* http://www.buy2letcars.com/ P2P funding for purchasing cars to lease out to individuals.
* https://www.collateralukcapitalstackers.com/ is a P2P loans against collaterallending service for real estate* https://www.creditpeers.com/ is a Peer-to-Business (P2B) property lending platform
* https://www.crowd2fund.com/ P2P financing for businesses
* https://www.crowdcube.com/ P2B financing for SMEs and startups
* http://crowdestates.com/ P2P funding of real estate developments
* https://crowdforangels.com/ P2P bonds and shares based financing for businesses
* https://www.crowdstacker.com/ P2B lending service
* https://www.downingcrowd.co.uk/ P2B lending service
* https://easymoney.com/ is a P2P real estate financing service offering ISA investments
* [[w:EdAid|EdAid]] [https://www.edaid.com/ (.com)] finance your university tuitition via crowdfunding
* https://www.elevateinvest.com/ P2P real estate oriented lending service
* https://www.fitzroviafinance.com/ is a P2P property backed real estate financing service
* [[w:Folk2Folk|Folk2Folk]] [https://www.folk2folk.com/ (.com)]
* https://www.formaxcredit.co.uk/ is P2B financing service that will soon be offering ISA.
* [[w:Funding Circle]] [https://www.fundingcircle.com/uk/ (.com)]- investor-to-business loans
* https://www.fundingknight.com/
* http://www.hl.co.uk/ Hargreaves Lansdown P2P financing and other financial services
* https://www.hnwlending.co.uk/ P2P finance service specialized in catering to High Net Worth (HNW) individuals who secure the loans with assets.
* https://www.thehousecrowd.com/ is an UK P2P financing service where the loans are collateralized by real estate
* http://www.investandfund.com/ P2P lending to residential property developments
* https://invest.kuflink.co.uk/ P2P lending for real estate. Features select-invest, ISA and auto-invest
* https://www.justus.co/ P2P finance for consumer mortgages and loans
* [[w:Landbay|Landbay]] [https://landbay.co.uk/ (.co.uk)] is a peer-to-peer lending platform for residential buy-to-let mortgages
* [[w:LandlordInvest|LandlordInvest]] [https://landlordinvest.com/ (.com)] buy-to-let and renovating secured by real estate P2P investments and loans
* https://www.moneyandco.com/home P2P financing for businesses
* https://themoneyplatform.com/ short term competitive P2P lending service
* https://www.moneything.com/ is a P2P financing service for large collateralized loans
* https://www.newable.co.uk/ is a P2B financing service that offers ability to invest via funds or your own investment portfolio.
* https://octopuschoice.com/ realty backed P2P investment service
* https://www.orchardlendingclub.com/ is a P2P lending site that lends to insurance brokers, legal and accountancy firms and schools and parents
* https://www.peerfunding.co.uk/ P2B lending service
* https://primestox.com/ P2P site for financing food production and distribution
* https://www.propertycrowd.com/ secured P2P loans for real estate. Has IFISA eligible products available
* https://www.proplend.com/ secured P2P lending for businesses
* https://www.quidcycle.com/ P2P financing for consumers including refinancing
* [[w:RateSetter]] [https://www.ratesetter.com/ (.com)]
* [[w:rebuildingsociety.com|RebuildingSociety]] [https://www.rebuildingsociety.com/ (.com)] small business loans
* https://trading.relendex.com/ P2B real estate loans. Has self-select and secured-portfolio ISA investment products
* https://www.sancus.com/ Guernsey-based P2P lending service servicing SMEs
* https://www.savingstream.co.uk/
* https://www.simplecrowdfunding.co.uk/ offers P2P ISA real estate investments and loans
* https://stemfund.com/ P2B loans
* [[w:ThinCats|ThinCats]] [https://www.thincats.com (.com)] investor-to-business loans
* https://www.wellesley.co.uk/ - [[w:Wellesley & Co.]]
* [[w:Virgin Money UK|Virgin Money UK]] [https://uk.virginmoney.com/virgin/ (.com)]
* https://welendus.com/ is a P2P lending service for consumers
* https://www.yesgrowth.com/ secured and unsecured P2B loans
* [[w:Zopa]] [http://www.zopa.com/ (.com)]. The oldest P2P lending site on Planet Earth
* http://www.loan4u.co.il/ consumer loans
* http://www.wsci.org.il/ consumer loans
* https://best-price.co.il/ consumer loans
== United Arab Emirates ==
=== List of P2P financial services in UAE ===
* https://www.beehive.ae/P2B loans platform offering business finance and invoice financing = South America === Brasilia ===== List of P2P financial services in Brasilia ===* https://www.nexoos.com.br/ P2P lending service for loans to SMEs
= North America =
== Canada ==
=== Lists of P2P financial services in Canada ===
* [[w:Optimize Capital Markets|Optimize Capital Markets]] [http://www.optimizecapitalmarkets.com/ (.com)] P2B business financing service
== USA ==
=== Lists of P2P financial services in USA ===
* https://www.fundingcircle.com/us/ - P2B platform for investor to business SME loans* [[w:Groundfloor|Groundfloor]] [https://www.groundfloor.us/ (.us)] P2P crowdfunded real estate investing* [[w:Invest Next Door|Invest Next Door]] [https://www.investnextdoor.com/ (.com)] - P2B SMB SME loans* [[w:Lending Club|Lending Club]] [https://www.lendingclub.com/ (.com)] P2P loaning platoform for consumers* [[w:Peerform|Peerform]] [https://www.peerform.com/ (.com)]P2P loaning platform for consumers* [[w:Prosper Marketplace|Prosper Marketplace]] [https://www.prosper.com/ (.com)]P2P loaning platform for consumers and debt consolidation* [[w:SoFi|SoFi]] [https://www.sofi.com/ (.com)] P2P lending servicefor consumers: refinancing, consumer loans and mortgages* [[w:Upstart (company)|Upstart]] [https://www.upstart.com/ (.com)] P2P loaning platform for consumers. ---- = Links to useful information on P2P lending =* [http://www.p2pmoney.co.uk/companies.htm Various comparison charts of P2P sites at p2pmoney.co.uk]* [https://www.p2p-banking.com/ P2P Lending Marketplace News and Reviews at p2p-banking.com]* [https://www.lendingmemo.com/p2p-lending-sites/ P2P Lending Investing and Analytics Tools and more at lendingmemo.com]* [https://crowdfundbeat.com/ News & information for Crowdfunding People at Crowdfundbeat.com]
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