{"id":21122,"date":"2026-09-15T05:10:05","date_gmt":"2026-09-15T03:10:05","guid":{"rendered":"https:\/\/www.finler.nl\/levensverzekering\/?p=21122"},"modified":"2026-10-14T18:28:43","modified_gmt":"2026-10-14T16:28:43","slug":"bedenktijd","status":"publish","type":"post","link":"https:\/\/www.finler.nl\/levensverzekering\/faq\/bedenktijd\/","title":{"rendered":"Bedenktijd overlijdensrisicoverzekering"},"content":{"rendered":"<div class=\"wpb-content-wrapper\" id=\"wpb-content-root\"><p>[vc_row woodmart_css_id=&#8221;c9d1791c55ddd&#8221; responsive_spacing=&#8221;eyJwYXJhbV90eXBlIjoid29vZG1hcnRfcmVzcG9uc2l2ZV9zcGFjaW5nIiwic2VsZWN0b3JfaWQiOiJjOWQxNzkxYzU1ZGRkIiwic2hvcnRjb2RlIjoidmNfcm93IiwiZGF0YSI6eyJ0YWJsZXQiOnt9LCJtb2JpbGUiOnt9fX0=&#8221;][vc_column woodmart_css_id=&#8221;755c692c0a5e0&#8243; responsive_spacing=&#8221;eyJwYXJhbV90eXBlIjoid29vZG1hcnRfcmVzcG9uc2l2ZV9zcGFjaW5nIiwic2VsZWN0b3JfaWQiOiI3NTVjNjkyYzBhNWUwIiwic2hvcnRjb2RlIjoidmNfY29sdW1uIiwiZGF0YSI6eyJ0YWJsZXQiOnt9LCJtb2JpbGUiOnt9fX0=&#8221;][vc_column_text css_animation=&#8221;none&#8221; css=&#8221;.vc_custom_1790737729015{margin-bottom: 25px !important;}&#8221; woodmart_inline=&#8221;no&#8221; text_larger=&#8221;no&#8221;]<\/p>\n<p>Bij een levensverzekering heb je 30 dagen bedenktijd, gerekend vanaf het moment dat je de polis ontvangt. Zie je binnen die termijn af van de verzekering, dan krijg je je premie terug. Dat is ruimer dan bij veel andere verzekeringen. En dat is terecht, want je legt je vaak voor 20 of 30 jaar vast.<\/p>\n<p>[\/vc_column_text][vc_row_inner woodmart_css_id=&#8221;d0d88cd25f24a&#8221; responsive_spacing=&#8221;eyJwYXJhbV90eXBlIjoid29vZG1hcnRfcmVzcG9uc2l2ZV9zcGFjaW5nIiwic2VsZWN0b3JfaWQiOiJkMGQ4OGNkMjVmMjRhIiwic2hvcnRjb2RlIjoidmNfcm93X2lubmVyIiwiZGF0YSI6eyJ0YWJsZXQiOnt9LCJtb2JpbGUiOnt9fX0=&#8221;][vc_column_inner css=&#8221;.vc_custom_1795000000082{padding-right: 15px !important;padding-left: 15px !important;}&#8221; woodmart_css_id=&#8221;f6723e641205f&#8221; responsive_spacing=&#8221;eyJwYXJhbV90eXBlIjoid29vZG1hcnRfcmVzcG9uc2l2ZV9zcGFjaW5nIiwic2VsZWN0b3JfaWQiOiJmNjcyM2U2NDEyMDVmIiwic2hvcnRjb2RlIjoidmNfY29sdW1uX2lubmVyIiwiZGF0YSI6eyJ0YWJsZXQiOnt9LCJtb2JpbGUiOnsicGFkZGluZy1yaWdodCI6IjEwcHgiLCJwYWRkaW5nLWxlZnQiOiIxMHB4In19fQ==&#8221;][vc_column_text css=&#8221;.vc_custom_1795000000081{margin-bottom: 30px !important;padding-top: 22px !important;padding-right: 26px !important;padding-bottom: 22px !important;padding-left: 26px !important;background-color: #EBF9F9 !important;border-radius: 10px !important;}&#8221;]<strong>In het kort<\/strong><\/p>\n<p>\n\t\t<ul class=\" wd-rs-86906bac4da7b wd-list wd-wpb color-scheme- wd-fontsize-s wd-type-icon wd-style-default text-left vc_custom_1795000000080\" id=\"wd-86906bac4da7b\">\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<span class=\"wd-icon fas fa-check-circle\"><\/span>\n\t\t\t\t\t<span class=\"wd-list-content list-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t30 dagen, vanaf ontvangst van de polis\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<span class=\"wd-icon fas fa-check-circle\"><\/span>\n\t\t\t\t\t<span class=\"wd-list-content list-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tBinnen die tijd krijg je je premie terug\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<span class=\"wd-icon fas fa-check-circle\"><\/span>\n\t\t\t\t\t<span class=\"wd-list-content list-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tLaat het schriftelijk of via de online omgeving weten\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<span class=\"wd-icon fas fa-check-circle\"><\/span>\n\t\t\t\t\t<span class=\"wd-list-content list-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tGebruik de tijd om je polis goed te controleren\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/li>\n\t\t\t\t\t<\/ul>\n\t\t[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_column_text]<\/p>\n<h2>Waar let je op in die 30 dagen?<\/h2>\n<p>Leg de polis naast wat je hebt aangevraagd. Het gaat vaak goed, maar een fout ontdek je liever nu dan over 15 jaar.<\/p>\n<p>[\/vc_column_text]\n\t\t<ul class=\" wd-rs-b251a6ead6e95 wd-list wd-wpb color-scheme- wd-fontsize-s wd-type-icon wd-style-default text-left vc_custom_1795000000083\" id=\"wd-b251a6ead6e95\">\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<span class=\"wd-icon fas fa-check-circle\"><\/span>\n\t\t\t\t\t<span class=\"wd-list-content list-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tKlopt het verzekerde bedrag, en blijft het gelijk of daalt het?\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<span class=\"wd-icon fas fa-check-circle\"><\/span>\n\t\t\t\t\t<span class=\"wd-list-content list-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tKlopt de looptijd en de einddatum?\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<span class=\"wd-icon fas fa-check-circle\"><\/span>\n\t\t\t\t\t<span class=\"wd-list-content list-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tStaat de juiste persoon als begunstigde in de polis?\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<span class=\"wd-icon fas fa-check-circle\"><\/span>\n\t\t\t\t\t<span class=\"wd-list-content list-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tIs de premie gelijk aan de offerte, en staat hij vast?\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<span class=\"wd-icon fas fa-check-circle\"><\/span>\n\t\t\t\t\t<span class=\"wd-list-content list-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tKloppen je antwoorden op de gezondheidsvragen?\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/li>\n\t\t\t\t\t<\/ul>\n\t\t[vc_column_text]Vooral dat laatste is belangrijk. Staat er iets verkeerd in de gezondheidsverklaring, meld het dan meteen. Anders kan de verzekeraar later weigeren uit te keren. Lees meer over <a href=\"https:\/\/www.finler.nl\/levensverzekering\/faq\/gezondheidsverklaring-medische-keuring\/\">de gezondheidsverklaring<\/a>.<\/p>\n<h2>Zo gebruik je de bedenktijd<\/h2>\n<p>Laat de verzekeraar binnen 30 dagen weten dat je afziet van de verzekering. Dat kan meestal via de online omgeving, per e-mail of per brief. Vraag om een bevestiging en bewaar die.<\/p>\n<p>[\/vc_column_text][vc_row_inner woodmart_css_id=&#8221;969475d432237&#8243; responsive_spacing=&#8221;eyJwYXJhbV90eXBlIjoid29vZG1hcnRfcmVzcG9uc2l2ZV9zcGFjaW5nIiwic2VsZWN0b3JfaWQiOiI5Njk0NzVkNDMyMjM3Iiwic2hvcnRjb2RlIjoidmNfcm93X2lubmVyIiwiZGF0YSI6eyJ0YWJsZXQiOnt9LCJtb2JpbGUiOnt9fX0=&#8221;][vc_column_inner css=&#8221;.vc_custom_1795000000085{padding-right: 15px !important;padding-left: 15px !important;}&#8221; woodmart_css_id=&#8221;536f45eadb124&#8243; responsive_spacing=&#8221;eyJwYXJhbV90eXBlIjoid29vZG1hcnRfcmVzcG9uc2l2ZV9zcGFjaW5nIiwic2VsZWN0b3JfaWQiOiI1MzZmNDVlYWRiMTI0Iiwic2hvcnRjb2RlIjoidmNfY29sdW1uX2lubmVyIiwiZGF0YSI6eyJ0YWJsZXQiOnt9LCJtb2JpbGUiOnsicGFkZGluZy1yaWdodCI6IjEwcHgiLCJwYWRkaW5nLWxlZnQiOiIxMHB4In19fQ==&#8221;][vc_column_text css=&#8221;.vc_custom_1790737756039{margin-bottom: 30px !important;padding-top: 22px !important;padding-right: 26px !important;padding-bottom: 22px !important;padding-left: 26px !important;background-color: #FAEEF8 !important;border-radius: 10px !important;}&#8221; woodmart_inline=&#8221;no&#8221; text_larger=&#8221;no&#8221;]<\/p>\n<p><strong>Tip<\/strong><\/p>\n<p>Heb je al een nieuwe verzekering afgesloten om een oude te vervangen? Zeg de oude pas op als de bedenktijd van de nieuwe voorbij is en alles klopt. Zo zit je nooit zonder dekking.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_column_text]<\/p>\n<h2>En na de 30 dagen?<\/h2>\n<p>Dan kun je de verzekering meestal nog steeds opzeggen, maar krijg je de betaalde premie niet terug. Hoe dat werkt, staat in <a href=\"https:\/\/www.finler.nl\/levensverzekering\/faq\/levensverzekering-opzeggen\/\">je levensverzekering opzeggen<\/a>. Wil je weten wat er daarna allemaal gebeurt, van premie tot uitkering? Lees <a href=\"https:\/\/www.finler.nl\/levensverzekering\/faq\/hoe-werkt-een-levensverzekering\/\">hoe een levensverzekering werkt<\/a>.<\/p>\n<p>Nog op zoek naar de juiste verzekering? 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woodmart_css_id=\"6adf89ae0c335\" responsive_spacing=\"eyJwYXJhbV90eXBlIjoid29vZG1hcnRfcmVzcG9uc2l2ZV9zcGFjaW5nIiwic2VsZWN0b3JfaWQiOiI2YWRmODlhZTBjMzM1Iiwic2hvcnRjb2RlIjoidmNfY29sdW1uX2lubmVyIiwiZGF0YSI6eyJ0YWJsZXQiOnt9LCJtb2JpbGUiOnsicGFkZGluZy10b3AiOiIzMnB4IiwicGFkZGluZy1yaWdodCI6IjI0cHgiLCJwYWRkaW5nLWJvdHRvbSI6IjIwcHgiLCJwYWRkaW5nLWxlZnQiOiIyNHB4In19fQ==\" offset=\"vc_col-xl-inherit vc_col-lg-inherit vc_col-md-12 vc_col-sm-inherit\" parallax_scroll=\"no\" woodmart_sticky_column=\"false\" wd_collapsible_content_switcher=\"no\" mobile_bg_img_hidden=\"no\" tablet_bg_img_hidden=\"no\" woodmart_parallax=\"0\" woodmart_box_shadow=\"no\" wd_z_index=\"no\"]\n\t\t<div id=\"wd-6ac377fe06a22\" class=\"title-wrapper wd-wpb wd-set-mb reset-last-child  wd-rs-6ac377fe06a22 wd-title-color-default wd-title-style-default text-left titel-regels vc_custom_1791195518424 wd-underline-colored\">\n\t\t\t\n\t\t\t<div class=\"liner-continer\">\n\t\t\t\t<p class=\"woodmart-title-container title  wd-font-weight- wd-fontsize-l\" >WEET WAT JE REGELT.<br \/>\r\nVERGELIJK EERST.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\t<div class=\"title-after_title reset-last-child  wd-fontsize-xs\">Wil je je gezin financieel beschermen bij overlijden of de kosten van je uitvaart verzekeren? Vergelijk premies en voorwaarden. Gratis en zonder je gegevens achter te laten.<\/div>\n\t\t\t\n\t\t\t\n\t\t<\/div>\n\t\t\n\t\t<div id=\"wd-6ac623c79ae80\" class=\" wd-rs-6ac623c79ae80 hidden-xs vc_custom_1791370215368 wd-button-wrapper text-center inline-element\"><a href=\"https:\/\/www.finler.nl\/levensverzekering\/overlijdensrisicoverzekering\/\" title=\"Overlijdensrisicoverzekering afsluiten\" class=\"btn btn-style-default btn-shape-semi-round btn-size-large\">Overlijden<\/a><\/div><div id=\"wd-6ac623d99dcda\" class=\" wd-rs-6ac623d99dcda hidden-xs vc_custom_1791370208472 wd-button-wrapper text-center inline-element\"><a href=\"https:\/\/www.finler.nl\/levensverzekering\/uitvaartverzekering\/\" title=\"Uitvaartverzekering afsluiten\" class=\"btn btn-style-default btn-shape-semi-round btn-size-large\">Uitvaart<\/a><\/div><div id=\"wd-6ac623c6ee6d7\" class=\" wd-rs-6ac623c6ee6d7 hidden-lg hidden-md hidden-sm vc_custom_1791370222584 wd-button-wrapper text-left\"><a href=\"https:\/\/www.finler.nl\/levensverzekering\/overlijdensrisicoverzekering\/\" title=\"Overlijdensrisicoverzekering afsluiten\" class=\"btn btn-style-default btn-shape-semi-round btn-size-large\">ORV&#039;s vergelijken<\/a><\/div><div id=\"wd-6ac623ef0c306\" class=\" wd-rs-6ac623ef0c306 hidden-lg hidden-md hidden-sm vc_custom_1791370237654 wd-button-wrapper text-left\"><a href=\"https:\/\/www.finler.nl\/levensverzekering\/uitvaartverzekering\/\" title=\"Uitvaartverzekering afsluiten\" class=\"btn btn-style-default btn-shape-semi-round btn-size-large\">Uitvaart vergelijken<\/a><\/div>[\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row]<\/p>\r\n<\/div>[vc_column_text]<\/p>\n<h2>Veelgestelde vragen<\/h2>\n<p>[\/vc_column_text]\n\t\t<div id=\"wd-734681eb871a5\" class=\"wd-accordion wd-wpb wd-rs-734681eb871a5 vc_custom_1795000000090 wd-style-shadow wd-titles-left wd-opener-pos-right wd-opener-style-plus\" data-state=\"all_closed\">\n\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t<div class=\"wd-accordion-item\">\n\t\t\t\t\t<div class=\"wd-accordion-title wd-role-btn font-primary wd-fontsize-s wd-font-weight-600\" data-accordion-index=\"0\" tabindex=\"0\">\n\t\t\t\t\t\t<div class=\"wd-accordion-title-text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\tVanaf wanneer telt de bedenktijd?\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<span class=\"wd-accordion-opener\"><\/span>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div class=\"wd-accordion-content wd-entry-content\" data-accordion-index=\"0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Vanaf het moment dat je de polis hebt ontvangen, niet vanaf de aanvraag.<\/p>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t<div class=\"wd-accordion-item\">\n\t\t\t\t\t<div class=\"wd-accordion-title wd-role-btn font-primary wd-fontsize-s wd-font-weight-600\" data-accordion-index=\"1\" tabindex=\"0\">\n\t\t\t\t\t\t<div class=\"wd-accordion-title-text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\tKrijg ik alle premie terug?\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<span class=\"wd-accordion-opener\"><\/span>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div class=\"wd-accordion-content wd-entry-content\" data-accordion-index=\"1\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Meestal wel. Bij een verzekering met een beleggingsdeel kan de verzekeraar koersverschillen verrekenen.<\/p>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t<div class=\"wd-accordion-item\">\n\t\t\t\t\t<div class=\"wd-accordion-title wd-role-btn font-primary wd-fontsize-s wd-font-weight-600\" data-accordion-index=\"2\" tabindex=\"0\">\n\t\t\t\t\t\t<div class=\"wd-accordion-title-text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\tGeldt de bedenktijd ook voor een uitvaartverzekering?\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<span class=\"wd-accordion-opener\"><\/span>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div class=\"wd-accordion-content wd-entry-content\" data-accordion-index=\"2\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Ja, een uitvaartverzekering is een levensverzekering en valt ook onder de 30 dagen.<\/p>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t[\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row woodmart_css_id=&#8221;c9d1791c55ddd&#8221; responsive_spacing=&#8221;eyJwYXJhbV90eXBlIjoid29vZG1hcnRfcmVzcG9uc2l2ZV9zcGFjaW5nIiwic2VsZWN0b3JfaWQiOiJjOWQxNzkxYzU1ZGRkIiwic2hvcnRjb2RlIjoidmNfcm93IiwiZGF0YSI6eyJ0YWJsZXQiOnt9LCJtb2JpbGUiOnt9fX0=&#8221;][vc_column woodmart_css_id=&#8221;755c692c0a5e0&#8243; responsive_spacing=&#8221;eyJwYXJhbV90eXBlIjoid29vZG1hcnRfcmVzcG9uc2l2ZV9zcGFjaW5nIiwic2VsZWN0b3JfaWQiOiI3NTVjNjkyYzBhNWUwIiwic2hvcnRjb2RlIjoidmNfY29sdW1uIiwiZGF0YSI6eyJ0YWJsZXQiOnt9LCJtb2JpbGUiOnt9fX0=&#8221;][vc_column_text css_animation=&#8221;none&#8221; css=&#8221;.vc_custom_1790737729015{margin-bottom: 25px !important;}&#8221; woodmart_inline=&#8221;no&#8221; text_larger=&#8221;no&#8221;] Bij een levensverzekering heb je 30 dagen bedenktijd, gerekend<\/p>\n","protected":false},"author":76,"featured_media":21512,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[3027],"tags":[],"class_list":["post-21122","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-regelen-en-wijzigen"],"acf":[],"permalink_manager":null,"_links":{"self":[{"href":"https:\/\/www.finler.nl\/levensverzekering\/wp-json\/wp\/v2\/posts\/21122","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.finler.nl\/levensverzekering\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.finler.nl\/levensverzekering\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.finler.nl\/levensverzekering\/wp-json\/wp\/v2\/users\/76"}],"replies":[{"embeddable":true,"href":"https:\/\/www.finler.nl\/levensverzekering\/wp-json\/wp\/v2\/comments?post=21122"}],"version-history":[{"count":4,"href":"https:\/\/www.finler.nl\/levensverzekering\/wp-json\/wp\/v2\/posts\/21122\/revisions"}],"predecessor-version":[{"id":22006,"href":"https:\/\/www.finler.nl\/levensverzekering\/wp-json\/wp\/v2\/posts\/21122\/revisions\/22006"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.finler.nl\/levensverzekering\/wp-json\/wp\/v2\/media\/21512"}],"wp:attachment":[{"href":"https:\/\/www.finler.nl\/levensverzekering\/wp-json\/wp\/v2\/media?parent=21122"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.finler.nl\/levensverzekering\/wp-json\/wp\/v2\/categories?post=21122"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.finler.nl\/levensverzekering\/wp-json\/wp\/v2\/tags?post=21122"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}