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<title>Metal detector store | Online social bookmark | finance</title>
<link>http://mypagelog.com</link>
<description>Your Source for Social News and Networking</description>
<pubDate>Sun, 26 Feb 2012 19:45:53 MSK</pubDate>
<language>en</language>
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<title><![CDATA[Payday Loan Lenders]]></title>
<link>http://mypagelog.com/finance/payday-loan-lenders/</link>
<comments>http://mypagelog.com/finance/payday-loan-lenders/</comments>
<pubDate>Sun, 26 Feb 2012 20:45:53 MSK</pubDate>
<dc:creator></dc:creator>
<category></category>
<guid>http://mypagelog.com/finance/payday-loan-lenders/</guid>
<description><![CDATA[Just about everyone, at one time or another, finds themselves short on cash while waiting for their next paycheck to arrive. One of the easiest ways to help get the case you need quickly and easily is by using payday loan lenders. These lenders are businesses that will give you the cash you need right away with the understanding it will be paid back when you get your next paycheck (or the following one, depending on the agreement). These are very short term loans designed to help people get through difficult times when they need cash quickly before they get paid<br/><br/>1 Vote(s) ]]></description>
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<title><![CDATA[Funds Advance - On the net Money Advance up to USD1500 in one Hour]]></title>
<link>http://mypagelog.com/finance/funds-advance---on-the-net-money-advance-up-to-usd1500-in-one-hour/</link>
<comments>http://mypagelog.com/finance/funds-advance---on-the-net-money-advance-up-to-usd1500-in-one-hour/</comments>
<pubDate>Wed, 09 Nov 2011 19:29:55 MSK</pubDate>
<dc:creator></dc:creator>
<category></category>
<guid>http://mypagelog.com/finance/funds-advance---on-the-net-money-advance-up-to-usd1500-in-one-hour/</guid>
<description><![CDATA[<a href='http://cashadvance89.com'>cash advance</a><hr>Money Advance provides the quick income up to $one,five hundred in as quickly as 1 hour so that you can get the income advance when you need to have! Regardless of whether it's for an emergency, vehicle repairs, health care expenses, or to stay away from late charges, you'll get swift cash in your pocket.<br/><br/>1 Vote(s) ]]></description>
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<title><![CDATA[Want to share information about york air conditioning parts]]></title>
<link>http://mypagelog.com/finance/want-to-share-information-about-york-air-conditioning-parts/</link>
<comments>http://mypagelog.com/finance/want-to-share-information-about-york-air-conditioning-parts/</comments>
<pubDate>Sun, 31 Jul 2011 21:32:17 MSD</pubDate>
<dc:creator></dc:creator>
<category></category>
<guid>http://mypagelog.com/finance/want-to-share-information-about-york-air-conditioning-parts/</guid>
<description><![CDATA[The customers are given a choice to select a product that runs on electricity, gas or oil depending on the ease of availability of the fuel and its price.  Some of the areas require heating in winters and cooling in summers and it is for these homes that Packaged Units are provided.  Even high efficiency air conditioners are available that are Energy Star Qualified as they come with Seasonal Energy Efficiency Ratios of 13 SEER and above.  Due to the vast range of products offered and their top quality these are preferred by customers all over the world.  Residential Cooling  A number of air conditioners are offered that come with different cooling capacities to give customers the option to select the correct choice as per the size of the area being cooled.<br/><br/>1 Vote(s) ]]></description>
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<title><![CDATA[Always put a label on the inside of the package or packages.]]></title>
<link>http://mypagelog.com/finance/always-put-a-label-on-the-inside-of-the-package-or-packages./</link>
<comments>http://mypagelog.com/finance/always-put-a-label-on-the-inside-of-the-package-or-packages./</comments>
<pubDate>Sun, 31 Jul 2011 17:42:21 MSD</pubDate>
<dc:creator></dc:creator>
<category></category>
<guid>http://mypagelog.com/finance/always-put-a-label-on-the-inside-of-the-package-or-packages./</guid>
<description><![CDATA[One such company is Limco Logistics which will take care of everything.  Instead of putting goods in ordinary boxes use water resistant ones that will safeguard your commodities against inclement weather conditions.  Always put a label on the inside of the package or packages.  It's better if you put one box into another to provide double protection.  The cost of delivery depends upon the distance, the amount and types of goods to be delivered.  Since international shipment involves a lot of rules and regulations, you cannot trust any air freight forwarding company which has mushroomed in your city of late and promising to offer quality services.    The company that you choose is definitely the most important factor that determines smooth delivery of your goods at the desired destination.  Here are some of the factors you should look out for and then decide whether the company can live up to your expectations or not.  Remember that the expensive and fragile goods carry a greater<br/><br/>1 Vote(s) ]]></description>
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<title><![CDATA[Consider reducing your stock ownership and increasing your conservative investments.]]></title>
<link>http://mypagelog.com/finance/consider-reducing-your-stock-ownership-and-increasing-your-conservative-investments./</link>
<comments>http://mypagelog.com/finance/consider-reducing-your-stock-ownership-and-increasing-your-conservative-investments./</comments>
<pubDate>Sun, 31 Jul 2011 14:52:21 MSD</pubDate>
<dc:creator></dc:creator>
<category></category>
<guid>http://mypagelog.com/finance/consider-reducing-your-stock-ownership-and-increasing-your-conservative-investments./</guid>
<description><![CDATA[Possible portfolio: 30 to 60 percent in stocks or stock mutual funds and most of the rest in CDs, bonds, bond funds or money market accounts.   Keep your debt from credit cards and other sources manageable.   Possible portfolio: 60 to 80 percent in stocks or stock mutual funds and most of the rest in certificates of deposit (CDs), bonds, bond funds or money market accounts.   Consider reducing your stock ownership and increasing your conservative investments.  Reduce your debts as much as possible.  You might have more options for getting a loan when you still have employment income.<br/><br/>1 Vote(s) ]]></description>
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<title><![CDATA[Monitor the emotions of your counterpart.]]></title>
<link>http://mypagelog.com/finance/monitor-the-emotions-of-your-counterpart./</link>
<comments>http://mypagelog.com/finance/monitor-the-emotions-of-your-counterpart./</comments>
<pubDate>Sun, 31 Jul 2011 12:18:10 MSD</pubDate>
<dc:creator></dc:creator>
<category></category>
<guid>http://mypagelog.com/finance/monitor-the-emotions-of-your-counterpart./</guid>
<description><![CDATA[But isn't there some guidance available that can tell us before we come to agreement whether we've cut the other person's margins to the bone?  Why?  But if they "holler," and by this I mean they drop the calmness of those that know they're in clover, then you should sense you're at the end of the game.  So, I've begun to shop each part on the Web.  This is so reliable that some super-savvy negotiators fake-it.   "Is it time, Dr.  Monitor the emotions of your counterpart.  "No, no, no," Freud counseled, returning to his cigar.  "Not yet," Freud anticipated.  There is.<br/><br/>1 Vote(s) ]]></description>
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<title><![CDATA[So you have ambient discuss sucked in, and cold discuss blown out.]]></title>
<link>http://mypagelog.com/finance/so-you-have-ambient-discuss-sucked-in%2C-and-cold-discuss-blown-out./</link>
<comments>http://mypagelog.com/finance/so-you-have-ambient-discuss-sucked-in%2C-and-cold-discuss-blown-out./</comments>
<pubDate>Sat, 23 Jul 2011 13:08:57 MSD</pubDate>
<dc:creator></dc:creator>
<category></category>
<guid>http://mypagelog.com/finance/so-you-have-ambient-discuss-sucked-in%2C-and-cold-discuss-blown-out./</guid>
<description><![CDATA[The organization also conducts power internet site assessments for huge renewable-energy venture develops, and undertakes strength audits and energy efficiency studies for the agriculture and industrial sectors.    So you have ambient discuss sucked in, and cold discuss blown out.  If you have to have to heat or cold 3 distinct locations of your household, you will have to have a 3-zone Mitsubishi heat pump Seattle offer.  Complete Mechanical is in discussions with a variety of residential and industrial structures to provide the system.  Complete Mechanicals Tim Detschman says that the prospects for heat pump Seattle's for mineral water heating in Seattle are great.  A common illustration is a refrigerator and, far more lately, heat pump Seattles have been employed for heating h2o in geysers.  "This is one particular of the good reasons we have designed a finance product for our options, so the developer does not have to bear the charge.<br/><br/>1 Vote(s) ]]></description>
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<title><![CDATA[That's free money, and nobody in their right mind would pass that up!]]></title>
<link>http://mypagelog.com/finance/that%27s-free-money%2C-and-nobody-in-their-right-mind-would-pass-that-up%21/</link>
<comments>http://mypagelog.com/finance/that%27s-free-money%2C-and-nobody-in-their-right-mind-would-pass-that-up%21/</comments>
<pubDate>Sat, 23 Jul 2011 11:48:35 MSD</pubDate>
<dc:creator></dc:creator>
<category></category>
<guid>http://mypagelog.com/finance/that%27s-free-money%2C-and-nobody-in-their-right-mind-would-pass-that-up%21/</guid>
<description><![CDATA[Aside from living within your means, you will also want to start some kind of retirement savings account.  That's free money, and nobody in their right mind would pass that up!  If you really want to retire early, then these steps and more will be required for you to do so.  If this kind of thing is not available through your employer, see a financial counselor to help you set this up.  For most plans, the employer contributes either a matching amount or a one-time yearly payment to your retirement account.  One area that many people can improve upon is the choice of vehicle they drive.  At best, you may retire much earlier than your co-workers!  Since the days of FDR and the beginning of Social Security, people have been conditioned to believe that retirement comes at age 65.<br/><br/>1 Vote(s) ]]></description>
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<title><![CDATA[You will NOT have to pay any taxes on this, provided you do the rollover WITHIN 60 days.]]></title>
<link>http://mypagelog.com/finance/you-will-not-have-to-pay-any-taxes-on-this%2C-provided-you-do-the-rollover-within-60-days./</link>
<comments>http://mypagelog.com/finance/you-will-not-have-to-pay-any-taxes-on-this%2C-provided-you-do-the-rollover-within-60-days./</comments>
<pubDate>Fri, 22 Jul 2011 20:33:43 MSD</pubDate>
<dc:creator></dc:creator>
<category></category>
<guid>http://mypagelog.com/finance/you-will-not-have-to-pay-any-taxes-on-this%2C-provided-you-do-the-rollover-within-60-days./</guid>
<description><![CDATA[You will NOT have to pay any taxes on this, provided you do the rollover WITHIN 60 days.  However, if you are older than 59 and 1/2, this 10% early-withdrawal penalty fee does NOT apply to you.  What is a Direct IRA Rollover?  This means the money never actually reaches your hands, it is wired from your old 401k administrator to your new one.  If you take the cash from your old employer administered 401k plan instead of rolling it over to a Rollover IRA, you will have to pay early withdrawal penalties (10%) and a 20% tax withholding fee.  - If you quit your current job with no intention of returning (aka "Separation from Service") during or after the age of 55, you are allowed to make withdrawals from your retirement savings account without paying the 10% early withdrawal penalty.<br/><br/>1 Vote(s) ]]></description>
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<title><![CDATA[The transfers compensate workers and encourage savings but don't increase base pay.]]></title>
<link>http://mypagelog.com/finance/the-transfers-compensate-workers-and-encourage-savings-but-don%27t-increase-base-pay./</link>
<comments>http://mypagelog.com/finance/the-transfers-compensate-workers-and-encourage-savings-but-don%27t-increase-base-pay./</comments>
<pubDate>Fri, 22 Jul 2011 10:33:31 MSD</pubDate>
<dc:creator></dc:creator>
<category></category>
<guid>http://mypagelog.com/finance/the-transfers-compensate-workers-and-encourage-savings-but-don%27t-increase-base-pay./</guid>
<description><![CDATA[Unclear.  Taking vacation pays dividends -- especially if your company allows you to put unused vacation or sick-leave days into your 401(k) or profit-sharing plan.   While companies may have to amend their benefit plans to allow it, the administration hopes firms will do so.  This year the limit for most workers is $16,500, or $22,000 for those over 50.  They also can prorate or limit the amount of leave they are willing pay for.  Will payments for unused leave get an employer match?  The transfers compensate workers and encourage savings but don't increase base pay.  The techniques are available for use with all qualified plans, which include 401(k), Keogh and profit-sharing plans but not individual retirement accounts or SEP-IRAs.<br/><br/>1 Vote(s) ]]></description>
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<title><![CDATA[Reading this - ruud air conditioning]]></title>
<link>http://mypagelog.com/finance/reading-this---ruud-air-conditioning/</link>
<comments>http://mypagelog.com/finance/reading-this---ruud-air-conditioning/</comments>
<pubDate>Thu, 21 Jul 2011 23:13:30 MSD</pubDate>
<dc:creator></dc:creator>
<category></category>
<guid>http://mypagelog.com/finance/reading-this---ruud-air-conditioning/</guid>
<description><![CDATA[The cleaning will kill any bacteria breeding and eliminate nasty smell that the unit may give out while running of the unit.  There are some special chemicals available for cleaning the coil, but this work will be better if it is left to the professionals.  On a professional unit the liquid and gas line pressures can be measured by attaching a refrigerant gauge to the corresponding service  parts on the condenser unit.  Air conditioners are machines, manufactured of a high quality and designed to stand against all types of environmental conditions, but they need maintenance and regular maintenance can save money against failure of the entire system.  The benefit of a clean condenser coil is that it helps  proper  heat re3jection and lower energy bills.<br/><br/>1 Vote(s) ]]></description>
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<title><![CDATA[Information for lennox air conditioning model numbers]]></title>
<link>http://mypagelog.com/finance/information-for-lennox-air-conditioning-model-numbers/</link>
<comments>http://mypagelog.com/finance/information-for-lennox-air-conditioning-model-numbers/</comments>
<pubDate>Thu, 21 Jul 2011 20:18:30 MSD</pubDate>
<dc:creator></dc:creator>
<category></category>
<guid>http://mypagelog.com/finance/information-for-lennox-air-conditioning-model-numbers/</guid>
<description><![CDATA[Though unit shipments are forecast to exhibit low CAGR of 1.70% over the 2006-2015 analysis period, shipment value is expected to maintain high CAGR of 5.02% during the same period.  The report also analyzes the market of the sub-segments of DX Systems - Split AC Systems (greater than 8 kW of cooling capacity), Packaged AC Systems and Heat Pumps; and Central Plant AC Systems - Chillers, Cooling Towers, Air Handling Units and Fan Coil Units.  In terms of unit shipments, Central Air Conditioners in the US are estimated at 4.5 million units in 2010, valued at US$ 9.22 billion.  The top 25% of efficient central air conditioning (CAC) models can bear the "ENERGY STAR" label, and, to be eligible, they have to have a minimum SEER level of 14.<br/><br/>1 Vote(s) ]]></description>
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<title><![CDATA[It uses Freon to make cool air.]]></title>
<link>http://mypagelog.com/finance/it-uses-freon-to-make-cool-air./</link>
<comments>http://mypagelog.com/finance/it-uses-freon-to-make-cool-air./</comments>
<pubDate>Wed, 20 Jul 2011 20:53:27 MSD</pubDate>
<dc:creator></dc:creator>
<category></category>
<guid>http://mypagelog.com/finance/it-uses-freon-to-make-cool-air./</guid>
<description><![CDATA[You could also have a defective start capacitor.  Repair companies in Tampa, FL are called everyday for their services and it sometimes helps to understand how they get it fixed.   It uses Freon to make cool air.  If you can't feel any cool air from the AC, try checking outside.  A change in parts is the next best solution for these problems.  You can also ask your AC repair company to do other related repairs such as heating repair and furnace repair.<br/><br/>1 Vote(s) ]]></description>
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<title><![CDATA[Regularly clean this panel and clear it of any stuck pieces of particles or dust.]]></title>
<link>http://mypagelog.com/finance/regularly-clean-this-panel-and-clear-it-of-any-stuck-pieces-of-particles-or-dust./</link>
<comments>http://mypagelog.com/finance/regularly-clean-this-panel-and-clear-it-of-any-stuck-pieces-of-particles-or-dust./</comments>
<pubDate>Wed, 20 Jul 2011 14:23:31 MSD</pubDate>
<dc:creator></dc:creator>
<category></category>
<guid>http://mypagelog.com/finance/regularly-clean-this-panel-and-clear-it-of-any-stuck-pieces-of-particles-or-dust./</guid>
<description><![CDATA[In order to avoid overheating, do a regular check on your freon levels.  Regularly clean this panel and clear it of any stuck pieces of particles or dust.   Be sure the thermostat is set in the cooling mode.  Some owners cover up their condensers to protect it but this is a wrong assumption.  Just setting the dial below room temperature will not activate the air conditioning if it is set in the heat mode.  Do not use water or a hose to give air conditioners a thorough clean up.<br/><br/>1 Vote(s) ]]></description>
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<title><![CDATA[Carrier, Goodman, Lennox, and so forth all have good warranties on their equipment.]]></title>
<link>http://mypagelog.com/finance/carrier%2C-goodman%2C-lennox%2C-and-so-forth-all-have-good-warranties-on-their-equipment./</link>
<comments>http://mypagelog.com/finance/carrier%2C-goodman%2C-lennox%2C-and-so-forth-all-have-good-warranties-on-their-equipment./</comments>
<pubDate>Wed, 20 Jul 2011 11:58:30 MSD</pubDate>
<dc:creator></dc:creator>
<category></category>
<guid>http://mypagelog.com/finance/carrier%2C-goodman%2C-lennox%2C-and-so-forth-all-have-good-warranties-on-their-equipment./</guid>
<description><![CDATA[2.  Carrier, Goodman, Lennox, and so forth all have good warranties on their equipment.  Follow these Loveland air conditioning bid tips and you will be able to find a good quality central air conditioning system to buy.  Buying a pre season Colorado air conditioning unit is a good way to save money.  So you know what size of the unit you will need, and the approximate price for your home, you need to get a bid.<br/><br/>1 Vote(s) ]]></description>
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<title><![CDATA[Ultimately, trust your own instincts and educate yourself before making any decisions.]]></title>
<link>http://mypagelog.com/finance/ultimately%2C-trust-your-own-instincts-and-educate-yourself-before-making-any-decisions./</link>
<comments>http://mypagelog.com/finance/ultimately%2C-trust-your-own-instincts-and-educate-yourself-before-making-any-decisions./</comments>
<pubDate>Tue, 19 Jul 2011 03:48:22 MSD</pubDate>
<dc:creator></dc:creator>
<category></category>
<guid>http://mypagelog.com/finance/ultimately%2C-trust-your-own-instincts-and-educate-yourself-before-making-any-decisions./</guid>
<description><![CDATA[Earnings statements are usually mailed three to four months before your birthday that outline what you have paid in taxes, along with a summary of your estimated benefits depending on the age you retire.  Most people expect to enjoy the same lifestyle along with travel or vacation plans after retiring, but really have no true idea of how much money they're going to need to actually do so.  Also remember to inquire about your spouse's retirement benefits through their employer, or open a spousal IRA (Individual Retirement Account) for those who do not work outside of the home.  Ultimately, trust your own instincts and educate yourself before making any decisions.  It's no secret that retirement can be expensive, especially with the rising costs of just about everything, which is why most experts recommend planning on needing anywhere from 70 to 90% of your current earnings after you retire to maintain the standard of living you're accustomed to.<br/><br/>1 Vote(s) ]]></description>
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<title><![CDATA[Want to share information about lennox air conditioning]]></title>
<link>http://mypagelog.com/finance/want-to-share-information-about-lennox-air-conditioning/</link>
<comments>http://mypagelog.com/finance/want-to-share-information-about-lennox-air-conditioning/</comments>
<pubDate>Tue, 19 Jul 2011 01:38:25 MSD</pubDate>
<dc:creator></dc:creator>
<category></category>
<guid>http://mypagelog.com/finance/want-to-share-information-about-lennox-air-conditioning/</guid>
<description><![CDATA[Regrettably those borrowers who chose to refinance to a lower interest rate over the past 12 months (and pay the costs of doing so - valuation, legal and establishment fees not to mention exit costs where they applied a) may soon find themselves no better off as the disparity in interest rates disappears among home loan lenders.  Once the guarantee is removed all lenders will be in the same boat and competing on a level playing field for funds.  The home loan mortgage calculator will demonstrate the savings you can make on your mortgage simply by increasing your monthly repayment amount by a nominal sum.  Over the past 15 years the product range of Australian home loans has increased significantly with borrowers now able to access not only cheap home loans but also home equity loans, first home loan (specifically tailored for this sector of the market) and until recently no deposit home loans for those high income earners wanting to enter the property market but not having the genuine<br/><br/>1 Vote(s) ]]></description>
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<title><![CDATA[These tax rates for successively higher taxable income brackets are 10%, 15%, 25%, 28% and 33%.]]></title>
<link>http://mypagelog.com/finance/these-tax-rates-for-successively-higher-taxable-income-brackets-are-10%25%2C-15%25%2C-25%25%2C-28%25-and-33%25./</link>
<comments>http://mypagelog.com/finance/these-tax-rates-for-successively-higher-taxable-income-brackets-are-10%25%2C-15%25%2C-25%25%2C-28%25-and-33%25./</comments>
<pubDate>Mon, 18 Jul 2011 15:58:24 MSD</pubDate>
<dc:creator></dc:creator>
<category></category>
<guid>http://mypagelog.com/finance/these-tax-rates-for-successively-higher-taxable-income-brackets-are-10%25%2C-15%25%2C-25%25%2C-28%25-and-33%25./</guid>
<description><![CDATA[Suppose a year later you retire but that $1,000 investment in your 401(k) remained flat so there were no earnings or losses.  So, if you made a tax deductible contribution of $1,000 to your 401(k) when your income was high enough to 'subtract' that $1,000 within the 28% tax rate bracket, then you'd have $1,000 sitting in your retirement plan and have saved $280 of income taxes (28% of $1,000) by making that contribution.  Government-regulated retirement plans, like IRAs and 401(k)s, offer you a tax-advantage.  That's why those nearing retirement ought to make contributions to tax-deductible retirement savings plans even though they expect little growth time for their investments.  You could say that using the retirement plan your $1,000 contribution only cost you $720.  These tax rates for successively higher taxable income brackets are 10%, 15%, 25%, 28% and 33%.  Soon-to-be retirees should consider making contributions to their IRA or 401(k) just to reap a tax profit.  The<br/><br/>1 Vote(s) ]]></description>
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<title><![CDATA[Want to share information about 401k early withdrawal penalty]]></title>
<link>http://mypagelog.com/finance/want-to-share-information-about-401k-early-withdrawal-penalty/</link>
<comments>http://mypagelog.com/finance/want-to-share-information-about-401k-early-withdrawal-penalty/</comments>
<pubDate>Mon, 18 Jul 2011 09:53:25 MSD</pubDate>
<dc:creator></dc:creator>
<category></category>
<guid>http://mypagelog.com/finance/want-to-share-information-about-401k-early-withdrawal-penalty/</guid>
<description><![CDATA[The only real difference here is that you are more in charge of the account, and need to find a company to open an IRA at yourself.  The total penalty is therefore different for everyone, but the percentage could easily be 30% to 40%, plus the money the account would have accumulated for you up until you reached retirement age.  Even if you take this check and put the money into the account yourself, you risk this being seen as a cash out by the government.  That's a lot of money to miss out on, so people generally don't do this unless they feel they have no other choice.  The federal tax percentage is determined by your tax bracket, which you can estimate based on your tax papers from last year, and state taxes are determined by the state you are filing in.  When you do a 401K transfer to a new employer you need to be very careful about how you fill out the paperwork.  If you cash out instead of doing a 401K transfer you are charged federal and state taxes on the amount taken out of<br/><br/>1 Vote(s) ]]></description>
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<title><![CDATA[Information for trane air conditioning parts]]></title>
<link>http://mypagelog.com/finance/information-for-trane-air-conditioning-parts/</link>
<comments>http://mypagelog.com/finance/information-for-trane-air-conditioning-parts/</comments>
<pubDate>Sun, 17 Jul 2011 21:48:35 MSD</pubDate>
<dc:creator></dc:creator>
<category></category>
<guid>http://mypagelog.com/finance/information-for-trane-air-conditioning-parts/</guid>
<description><![CDATA[Trane fuel furnace and cooling alternatives along with the all of the other top rated rated makes present superior and a lot more effective remedies for heating and cooling in the property.  An individual cause why persons get industrial air conditioning units is simply because of their lengthy lifestyle and guarantee process.  Despite the fact that there are quite a few distinctive beneficial units to pick from they all very very much do the job along the same suggestions.  A different beneficial point is the technique will support purify the air in the setting up with its filter.  A lot of new buildings are more likely to use this process due to the fact of its cost-effective charge.  A Trane fuel furnace gives us the alternative of giving vitality efficient heating and operates at a 95% efficiency which indicates that 95% of the fuel you spend for is really becoming used to deliver heat to your property.<br/><br/>1 Vote(s) ]]></description>
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