Mortgage Summary
Property Total:
|
$1,365 |
Down Payment
|
$410 |
Mortgage Amount:
|
$956 |
|
Mortgage Payment:
|
$5.58 / month
|
Estimated Tax:
|
+ $0.76 / month
|
Maint / HOA:
|
+ $0 / month
|
Total Monthly Payment:
|
= $6.34 / month
|
|
Total Interest Paid:
|
$1,053.90 over 30 years
|
Total Tax Paid:
|
$273.00 over 30 years
|
Amortization Table
Month |
Interest |
Principal |
Balance |
Dec, 2024 | 4.58 | 1.00 | 955.00 |
Jan, 2025 | 4.58 | 1.00 | 954.00 |
Feb, 2025 | 4.57 | 1.01 | 952.99 |
Mar, 2025 | 4.57 | 1.01 | 951.97 |
Apr, 2025 | 4.56 | 1.02 | 950.96 |
May, 2025 | 4.56 | 1.02 | 949.93 |
Jun, 2025 | 4.55 | 1.03 | 948.90 |
Jul, 2025 | 4.55 | 1.03 | 947.87 |
Aug, 2025 | 4.54 | 1.04 | 946.83 |
Sep, 2025 | 4.54 | 1.04 | 945.79 |
Oct, 2025 | 4.53 | 1.05 | 944.74 |
Nov, 2025 | 4.53 | 1.05 | 943.69 |
Dec, 2025 | 4.52 | 1.06 | 942.63 |
Jan, 2026 | 4.52 | 1.06 | 941.57 |
Feb, 2026 | 4.51 | 1.07 | 940.50 |
Mar, 2026 | 4.51 | 1.07 | 939.43 |
Apr, 2026 | 4.50 | 1.08 | 938.35 |
May, 2026 | 4.50 | 1.08 | 937.26 |
Jun, 2026 | 4.49 | 1.09 | 936.17 |
Jul, 2026 | 4.49 | 1.09 | 935.08 |
Aug, 2026 | 4.48 | 1.10 | 933.98 |
Sep, 2026 | 4.48 | 1.10 | 932.88 |
Oct, 2026 | 4.47 | 1.11 | 931.77 |
Nov, 2026 | 4.46 | 1.12 | 930.65 |
Dec, 2026 | 4.46 | 1.12 | 929.53 |
Jan, 2027 | 4.45 | 1.13 | 928.40 |
Feb, 2027 | 4.45 | 1.13 | 927.27 |
Mar, 2027 | 4.44 | 1.14 | 926.14 |
Apr, 2027 | 4.44 | 1.14 | 924.99 |
May, 2027 | 4.43 | 1.15 | 923.85 |
Jun, 2027 | 4.43 | 1.15 | 922.69 |
Jul, 2027 | 4.42 | 1.16 | 921.53 |
Aug, 2027 | 4.42 | 1.16 | 920.37 |
Sep, 2027 | 4.41 | 1.17 | 919.20 |
Oct, 2027 | 4.40 | 1.18 | 918.02 |
Nov, 2027 | 4.40 | 1.18 | 916.84 |
Dec, 2027 | 4.39 | 1.19 | 915.66 |
Jan, 2028 | 4.39 | 1.19 | 914.46 |
Feb, 2028 | 4.38 | 1.20 | 913.27 |
Mar, 2028 | 4.38 | 1.20 | 912.06 |
Apr, 2028 | 4.37 | 1.21 | 910.85 |
May, 2028 | 4.36 | 1.22 | 909.64 |
Jun, 2028 | 4.36 | 1.22 | 908.42 |
Jul, 2028 | 4.35 | 1.23 | 907.19 |
Aug, 2028 | 4.35 | 1.23 | 905.96 |
Sep, 2028 | 4.34 | 1.24 | 904.72 |
Oct, 2028 | 4.34 | 1.24 | 903.47 |
Nov, 2028 | 4.33 | 1.25 | 902.22 |
Dec, 2028 | 4.32 | 1.26 | 900.96 |
Jan, 2029 | 4.32 | 1.26 | 899.70 |
Feb, 2029 | 4.31 | 1.27 | 898.43 |
Mar, 2029 | 4.30 | 1.28 | 897.16 |
Apr, 2029 | 4.30 | 1.28 | 895.88 |
May, 2029 | 4.29 | 1.29 | 894.59 |
Jun, 2029 | 4.29 | 1.29 | 893.29 |
Jul, 2029 | 4.28 | 1.30 | 892.00 |
Aug, 2029 | 4.27 | 1.31 | 890.69 |
Sep, 2029 | 4.27 | 1.31 | 889.38 |
Oct, 2029 | 4.26 | 1.32 | 888.06 |
Nov, 2029 | 4.26 | 1.32 | 886.73 |
Dec, 2029 | 4.25 | 1.33 | 885.40 |
Jan, 2030 | 4.24 | 1.34 | 884.07 |
Feb, 2030 | 4.24 | 1.34 | 882.72 |
Mar, 2030 | 4.23 | 1.35 | 881.37 |
Apr, 2030 | 4.22 | 1.36 | 880.01 |
May, 2030 | 4.22 | 1.36 | 878.65 |
Jun, 2030 | 4.21 | 1.37 | 877.28 |
Jul, 2030 | 4.20 | 1.38 | 875.91 |
Aug, 2030 | 4.20 | 1.38 | 874.52 |
Sep, 2030 | 4.19 | 1.39 | 873.13 |
Oct, 2030 | 4.18 | 1.40 | 871.74 |
Nov, 2030 | 4.18 | 1.40 | 870.33 |
Dec, 2030 | 4.17 | 1.41 | 868.92 |
Jan, 2031 | 4.16 | 1.42 | 867.51 |
Feb, 2031 | 4.16 | 1.42 | 866.08 |
Mar, 2031 | 4.15 | 1.43 | 864.65 |
Apr, 2031 | 4.14 | 1.44 | 863.22 |
May, 2031 | 4.14 | 1.44 | 861.77 |
Jun, 2031 | 4.13 | 1.45 | 860.32 |
Jul, 2031 | 4.12 | 1.46 | 858.87 |
Aug, 2031 | 4.12 | 1.46 | 857.40 |
Sep, 2031 | 4.11 | 1.47 | 855.93 |
Oct, 2031 | 4.10 | 1.48 | 854.45 |
Nov, 2031 | 4.09 | 1.49 | 852.96 |
Dec, 2031 | 4.09 | 1.49 | 851.47 |
Jan, 2032 | 4.08 | 1.50 | 849.97 |
Feb, 2032 | 4.07 | 1.51 | 848.46 |
Mar, 2032 | 4.07 | 1.51 | 846.95 |
Apr, 2032 | 4.06 | 1.52 | 845.43 |
May, 2032 | 4.05 | 1.53 | 843.90 |
Jun, 2032 | 4.04 | 1.54 | 842.36 |
Jul, 2032 | 4.04 | 1.54 | 840.82 |
Aug, 2032 | 4.03 | 1.55 | 839.27 |
Sep, 2032 | 4.02 | 1.56 | 837.71 |
Oct, 2032 | 4.01 | 1.57 | 836.14 |
Nov, 2032 | 4.01 | 1.57 | 834.57 |
Dec, 2032 | 4.00 | 1.58 | 832.99 |
Jan, 2033 | 3.99 | 1.59 | 831.40 |
Feb, 2033 | 3.98 | 1.60 | 829.80 |
Mar, 2033 | 3.98 | 1.60 | 828.20 |
Apr, 2033 | 3.97 | 1.61 | 826.59 |
May, 2033 | 3.96 | 1.62 | 824.97 |
Jun, 2033 | 3.95 | 1.63 | 823.34 |
Jul, 2033 | 3.95 | 1.63 | 821.71 |
Aug, 2033 | 3.94 | 1.64 | 820.07 |
Sep, 2033 | 3.93 | 1.65 | 818.42 |
Oct, 2033 | 3.92 | 1.66 | 816.76 |
Nov, 2033 | 3.91 | 1.67 | 815.09 |
Dec, 2033 | 3.91 | 1.67 | 813.42 |
Jan, 2034 | 3.90 | 1.68 | 811.73 |
Feb, 2034 | 3.89 | 1.69 | 810.04 |
Mar, 2034 | 3.88 | 1.70 | 808.34 |
Apr, 2034 | 3.87 | 1.71 | 806.64 |
May, 2034 | 3.87 | 1.71 | 804.92 |
Jun, 2034 | 3.86 | 1.72 | 803.20 |
Jul, 2034 | 3.85 | 1.73 | 801.47 |
Aug, 2034 | 3.84 | 1.74 | 799.73 |
Sep, 2034 | 3.83 | 1.75 | 797.98 |
Oct, 2034 | 3.82 | 1.76 | 796.22 |
Nov, 2034 | 3.82 | 1.76 | 794.46 |
Dec, 2034 | 3.81 | 1.77 | 792.69 |
Jan, 2035 | 3.80 | 1.78 | 790.90 |
Feb, 2035 | 3.79 | 1.79 | 789.11 |
Mar, 2035 | 3.78 | 1.80 | 787.32 |
Apr, 2035 | 3.77 | 1.81 | 785.51 |
May, 2035 | 3.76 | 1.82 | 783.69 |
Jun, 2035 | 3.76 | 1.82 | 781.87 |
Jul, 2035 | 3.75 | 1.83 | 780.03 |
Aug, 2035 | 3.74 | 1.84 | 778.19 |
Sep, 2035 | 3.73 | 1.85 | 776.34 |
Oct, 2035 | 3.72 | 1.86 | 774.48 |
Nov, 2035 | 3.71 | 1.87 | 772.61 |
Dec, 2035 | 3.70 | 1.88 | 770.73 |
Jan, 2036 | 3.69 | 1.89 | 768.85 |
Feb, 2036 | 3.68 | 1.90 | 766.95 |
Mar, 2036 | 3.67 | 1.91 | 765.05 |
Apr, 2036 | 3.67 | 1.91 | 763.13 |
May, 2036 | 3.66 | 1.92 | 761.21 |
Jun, 2036 | 3.65 | 1.93 | 759.28 |
Jul, 2036 | 3.64 | 1.94 | 757.33 |
Aug, 2036 | 3.63 | 1.95 | 755.38 |
Sep, 2036 | 3.62 | 1.96 | 753.42 |
Oct, 2036 | 3.61 | 1.97 | 751.45 |
Nov, 2036 | 3.60 | 1.98 | 749.47 |
Dec, 2036 | 3.59 | 1.99 | 747.48 |
Jan, 2037 | 3.58 | 2.00 | 745.49 |
Feb, 2037 | 3.57 | 2.01 | 743.48 |
Mar, 2037 | 3.56 | 2.02 | 741.46 |
Apr, 2037 | 3.55 | 2.03 | 739.43 |
May, 2037 | 3.54 | 2.04 | 737.40 |
Jun, 2037 | 3.53 | 2.05 | 735.35 |
Jul, 2037 | 3.52 | 2.06 | 733.29 |
Aug, 2037 | 3.51 | 2.07 | 731.23 |
Sep, 2037 | 3.50 | 2.08 | 729.15 |
Oct, 2037 | 3.49 | 2.09 | 727.06 |
Nov, 2037 | 3.48 | 2.10 | 724.97 |
Dec, 2037 | 3.47 | 2.11 | 722.86 |
Jan, 2038 | 3.46 | 2.12 | 720.75 |
Feb, 2038 | 3.45 | 2.13 | 718.62 |
Mar, 2038 | 3.44 | 2.14 | 716.48 |
Apr, 2038 | 3.43 | 2.15 | 714.34 |
May, 2038 | 3.42 | 2.16 | 712.18 |
Jun, 2038 | 3.41 | 2.17 | 710.01 |
Jul, 2038 | 3.40 | 2.18 | 707.83 |
Aug, 2038 | 3.39 | 2.19 | 705.65 |
Sep, 2038 | 3.38 | 2.20 | 703.45 |
Oct, 2038 | 3.37 | 2.21 | 701.24 |
Nov, 2038 | 3.36 | 2.22 | 699.02 |
Dec, 2038 | 3.35 | 2.23 | 696.79 |
Jan, 2039 | 3.34 | 2.24 | 694.55 |
Feb, 2039 | 3.33 | 2.25 | 692.29 |
Mar, 2039 | 3.32 | 2.26 | 690.03 |
Apr, 2039 | 3.31 | 2.27 | 687.76 |
May, 2039 | 3.30 | 2.28 | 685.47 |
Jun, 2039 | 3.28 | 2.30 | 683.18 |
Jul, 2039 | 3.27 | 2.31 | 680.87 |
Aug, 2039 | 3.26 | 2.32 | 678.55 |
Sep, 2039 | 3.25 | 2.33 | 676.23 |
Oct, 2039 | 3.24 | 2.34 | 673.89 |
Nov, 2039 | 3.23 | 2.35 | 671.53 |
Dec, 2039 | 3.22 | 2.36 | 669.17 |
Jan, 2040 | 3.21 | 2.37 | 666.80 |
Feb, 2040 | 3.20 | 2.38 | 664.41 |
Mar, 2040 | 3.18 | 2.40 | 662.02 |
Apr, 2040 | 3.17 | 2.41 | 659.61 |
May, 2040 | 3.16 | 2.42 | 657.19 |
Jun, 2040 | 3.15 | 2.43 | 654.76 |
Jul, 2040 | 3.14 | 2.44 | 652.32 |
Aug, 2040 | 3.13 | 2.45 | 649.86 |
Sep, 2040 | 3.11 | 2.47 | 647.40 |
Oct, 2040 | 3.10 | 2.48 | 644.92 |
Nov, 2040 | 3.09 | 2.49 | 642.43 |
Dec, 2040 | 3.08 | 2.50 | 639.93 |
Jan, 2041 | 3.07 | 2.51 | 637.41 |
Feb, 2041 | 3.05 | 2.53 | 634.89 |
Mar, 2041 | 3.04 | 2.54 | 632.35 |
Apr, 2041 | 3.03 | 2.55 | 629.80 |
May, 2041 | 3.02 | 2.56 | 627.24 |
Jun, 2041 | 3.01 | 2.57 | 624.66 |
Jul, 2041 | 2.99 | 2.59 | 622.08 |
Aug, 2041 | 2.98 | 2.60 | 619.48 |
Sep, 2041 | 2.97 | 2.61 | 616.87 |
Oct, 2041 | 2.96 | 2.62 | 614.24 |
Nov, 2041 | 2.94 | 2.64 | 611.60 |
Dec, 2041 | 2.93 | 2.65 | 608.95 |
Jan, 2042 | 2.92 | 2.66 | 606.29 |
Feb, 2042 | 2.91 | 2.67 | 603.62 |
Mar, 2042 | 2.89 | 2.69 | 600.93 |
Apr, 2042 | 2.88 | 2.70 | 598.23 |
May, 2042 | 2.87 | 2.71 | 595.52 |
Jun, 2042 | 2.85 | 2.73 | 592.79 |
Jul, 2042 | 2.84 | 2.74 | 590.05 |
Aug, 2042 | 2.83 | 2.75 | 587.30 |
Sep, 2042 | 2.81 | 2.77 | 584.53 |
Oct, 2042 | 2.80 | 2.78 | 581.75 |
Nov, 2042 | 2.79 | 2.79 | 578.96 |
Dec, 2042 | 2.77 | 2.81 | 576.15 |
Jan, 2043 | 2.76 | 2.82 | 573.33 |
Feb, 2043 | 2.75 | 2.83 | 570.50 |
Mar, 2043 | 2.73 | 2.85 | 567.66 |
Apr, 2043 | 2.72 | 2.86 | 564.80 |
May, 2043 | 2.71 | 2.87 | 561.92 |
Jun, 2043 | 2.69 | 2.89 | 559.03 |
Jul, 2043 | 2.68 | 2.90 | 556.13 |
Aug, 2043 | 2.66 | 2.92 | 553.22 |
Sep, 2043 | 2.65 | 2.93 | 550.29 |
Oct, 2043 | 2.64 | 2.94 | 547.35 |
Nov, 2043 | 2.62 | 2.96 | 544.39 |
Dec, 2043 | 2.61 | 2.97 | 541.42 |
Jan, 2044 | 2.59 | 2.99 | 538.43 |
Feb, 2044 | 2.58 | 3.00 | 535.43 |
Mar, 2044 | 2.57 | 3.01 | 532.42 |
Apr, 2044 | 2.55 | 3.03 | 529.39 |
May, 2044 | 2.54 | 3.04 | 526.34 |
Jun, 2044 | 2.52 | 3.06 | 523.29 |
Jul, 2044 | 2.51 | 3.07 | 520.21 |
Aug, 2044 | 2.49 | 3.09 | 517.13 |
Sep, 2044 | 2.48 | 3.10 | 514.02 |
Oct, 2044 | 2.46 | 3.12 | 510.91 |
Nov, 2044 | 2.45 | 3.13 | 507.78 |
Dec, 2044 | 2.43 | 3.15 | 504.63 |
Jan, 2045 | 2.42 | 3.16 | 501.47 |
Feb, 2045 | 2.40 | 3.18 | 498.29 |
Mar, 2045 | 2.39 | 3.19 | 495.10 |
Apr, 2045 | 2.37 | 3.21 | 491.89 |
May, 2045 | 2.36 | 3.22 | 488.67 |
Jun, 2045 | 2.34 | 3.24 | 485.43 |
Jul, 2045 | 2.33 | 3.25 | 482.17 |
Aug, 2045 | 2.31 | 3.27 | 478.90 |
Sep, 2045 | 2.29 | 3.29 | 475.62 |
Oct, 2045 | 2.28 | 3.30 | 472.32 |
Nov, 2045 | 2.26 | 3.32 | 469.00 |
Dec, 2045 | 2.25 | 3.33 | 465.67 |
Jan, 2046 | 2.23 | 3.35 | 462.32 |
Feb, 2046 | 2.22 | 3.36 | 458.96 |
Mar, 2046 | 2.20 | 3.38 | 455.57 |
Apr, 2046 | 2.18 | 3.40 | 452.18 |
May, 2046 | 2.17 | 3.41 | 448.76 |
Jun, 2046 | 2.15 | 3.43 | 445.33 |
Jul, 2046 | 2.13 | 3.45 | 441.89 |
Aug, 2046 | 2.12 | 3.46 | 438.43 |
Sep, 2046 | 2.10 | 3.48 | 434.95 |
Oct, 2046 | 2.08 | 3.50 | 431.45 |
Nov, 2046 | 2.07 | 3.51 | 427.94 |
Dec, 2046 | 2.05 | 3.53 | 424.41 |
Jan, 2047 | 2.03 | 3.55 | 420.86 |
Feb, 2047 | 2.02 | 3.56 | 417.30 |
Mar, 2047 | 2.00 | 3.58 | 413.72 |
Apr, 2047 | 1.98 | 3.60 | 410.12 |
May, 2047 | 1.97 | 3.61 | 406.51 |
Jun, 2047 | 1.95 | 3.63 | 402.87 |
Jul, 2047 | 1.93 | 3.65 | 399.22 |
Aug, 2047 | 1.91 | 3.67 | 395.56 |
Sep, 2047 | 1.90 | 3.68 | 391.87 |
Oct, 2047 | 1.88 | 3.70 | 388.17 |
Nov, 2047 | 1.86 | 3.72 | 384.45 |
Dec, 2047 | 1.84 | 3.74 | 380.71 |
Jan, 2048 | 1.82 | 3.76 | 376.96 |
Feb, 2048 | 1.81 | 3.77 | 373.18 |
Mar, 2048 | 1.79 | 3.79 | 369.39 |
Apr, 2048 | 1.77 | 3.81 | 365.58 |
May, 2048 | 1.75 | 3.83 | 361.75 |
Jun, 2048 | 1.73 | 3.85 | 357.91 |
Jul, 2048 | 1.71 | 3.87 | 354.04 |
Aug, 2048 | 1.70 | 3.88 | 350.16 |
Sep, 2048 | 1.68 | 3.90 | 346.26 |
Oct, 2048 | 1.66 | 3.92 | 342.34 |
Nov, 2048 | 1.64 | 3.94 | 338.40 |
Dec, 2048 | 1.62 | 3.96 | 334.44 |
Jan, 2049 | 1.60 | 3.98 | 330.46 |
Feb, 2049 | 1.58 | 4.00 | 326.46 |
Mar, 2049 | 1.56 | 4.02 | 322.45 |
Apr, 2049 | 1.55 | 4.03 | 318.41 |
May, 2049 | 1.53 | 4.05 | 314.36 |
Jun, 2049 | 1.51 | 4.07 | 310.28 |
Jul, 2049 | 1.49 | 4.09 | 306.19 |
Aug, 2049 | 1.47 | 4.11 | 302.08 |
Sep, 2049 | 1.45 | 4.13 | 297.95 |
Oct, 2049 | 1.43 | 4.15 | 293.79 |
Nov, 2049 | 1.41 | 4.17 | 289.62 |
Dec, 2049 | 1.39 | 4.19 | 285.43 |
Jan, 2050 | 1.37 | 4.21 | 281.22 |
Feb, 2050 | 1.35 | 4.23 | 276.98 |
Mar, 2050 | 1.33 | 4.25 | 272.73 |
Apr, 2050 | 1.31 | 4.27 | 268.46 |
May, 2050 | 1.29 | 4.29 | 264.16 |
Jun, 2050 | 1.27 | 4.31 | 259.85 |
Jul, 2050 | 1.25 | 4.33 | 255.52 |
Aug, 2050 | 1.22 | 4.36 | 251.16 |
Sep, 2050 | 1.20 | 4.38 | 246.78 |
Oct, 2050 | 1.18 | 4.40 | 242.39 |
Nov, 2050 | 1.16 | 4.42 | 237.97 |
Dec, 2050 | 1.14 | 4.44 | 233.53 |
Jan, 2051 | 1.12 | 4.46 | 229.07 |
Feb, 2051 | 1.10 | 4.48 | 224.58 |
Mar, 2051 | 1.08 | 4.50 | 220.08 |
Apr, 2051 | 1.05 | 4.53 | 215.55 |
May, 2051 | 1.03 | 4.55 | 211.01 |
Jun, 2051 | 1.01 | 4.57 | 206.44 |
Jul, 2051 | 0.99 | 4.59 | 201.85 |
Aug, 2051 | 0.97 | 4.61 | 197.24 |
Sep, 2051 | 0.95 | 4.63 | 192.60 |
Oct, 2051 | 0.92 | 4.66 | 187.94 |
Nov, 2051 | 0.90 | 4.68 | 183.26 |
Dec, 2051 | 0.88 | 4.70 | 178.56 |
Jan, 2052 | 0.86 | 4.72 | 173.84 |
Feb, 2052 | 0.83 | 4.75 | 169.09 |
Mar, 2052 | 0.81 | 4.77 | 164.32 |
Apr, 2052 | 0.79 | 4.79 | 159.53 |
May, 2052 | 0.76 | 4.82 | 154.71 |
Jun, 2052 | 0.74 | 4.84 | 149.87 |
Jul, 2052 | 0.72 | 4.86 | 145.01 |
Aug, 2052 | 0.69 | 4.89 | 140.13 |
Sep, 2052 | 0.67 | 4.91 | 135.22 |
Oct, 2052 | 0.65 | 4.93 | 130.29 |
Nov, 2052 | 0.62 | 4.96 | 125.33 |
Dec, 2052 | 0.60 | 4.98 | 120.35 |
Jan, 2053 | 0.58 | 5.00 | 115.35 |
Feb, 2053 | 0.55 | 5.03 | 110.32 |
Mar, 2053 | 0.53 | 5.05 | 105.27 |
Apr, 2053 | 0.50 | 5.08 | 100.19 |
May, 2053 | 0.48 | 5.10 | 95.09 |
Jun, 2053 | 0.46 | 5.12 | 89.97 |
Jul, 2053 | 0.43 | 5.15 | 84.82 |
Aug, 2053 | 0.41 | 5.17 | 79.65 |
Sep, 2053 | 0.38 | 5.20 | 74.45 |
Oct, 2053 | 0.36 | 5.22 | 69.22 |
Nov, 2053 | 0.33 | 5.25 | 63.98 |
Dec, 2053 | 0.31 | 5.27 | 58.70 |
Jan, 2054 | 0.28 | 5.30 | 53.40 |
Feb, 2054 | 0.26 | 5.32 | 48.08 |
Mar, 2054 | 0.23 | 5.35 | 42.73 |
Apr, 2054 | 0.20 | 5.38 | 37.36 |
May, 2054 | 0.18 | 5.40 | 31.95 |
Jun, 2054 | 0.15 | 5.43 | 26.53 |
Jul, 2054 | 0.13 | 5.45 | 21.07 |
Aug, 2054 | 0.10 | 5.48 | 15.60 |
Sep, 2054 | 0.07 | 5.51 | 10.09 |
Oct, 2054 | 0.05 | 5.53 | 4.56 |
Nov, 2054 | 0.02 | 5.56 | 0 |