HB 0561CS

CHAMBER ACTION



1The Fiscal Council recommends the following:
2
3     Council/Committee Substitute
4     Remove the entire bill and insert:
5
A bill to be entitled
6An act relating to offenses involving insurance; amending
7s. 316.068, F.S.; specifying information to be included in
8a crash report; creating a rebuttable presumption relating
9to the absence of certain information in such reports;
10amending s. 322.21, F.S.; providing an additional fee for
11certain offenses relating to insurance crimes; providing
12for deposit of the fee into the Highway Safety Operating
13Trust Fund; amending s. 322.26, F.S.; providing an
14additional circumstance relating to insurance crimes for
15mandatory revocation of a person's driver's license;
16amending s. 400.9935, F.S.; requiring health care clinics
17to display signs containing certain information relating
18to insurance fraud; authorizing compliance inspections by
19the Division of Insurance Fraud; requiring clinics to
20allow inspection access; amending s. 440.105, F.S.;
21deleting the provision that a violation of a stop-work
22order is a misdemeanor of the first degree; making
23unlawful a failure to secure required workers'
24compensation insurance coverage; providing criminal
25penalties; amending s. 456.054, F.S.; revising the
26definition of the term "kickback" for criminal prosecution
27purposes; amending s. 624.15, F.S.; specifying violations
28of rules of the Department of Financial Services, Office
29of Insurance Regulation, or Financial Services Commission
30as misdemeanors; specifying a violation of emergency rules
31or orders as a felony of the third degree; providing
32penalties; providing for nonapplication to certain
33persons; amending s. 626.112, F.S.; providing a criminal
34penalty for knowingly transacting insurance without a
35license; amending s. 626.938, F.S.; revising provisions
36requiring a report and taxation of independently procured
37coverages; specifying nonauthorization of independent
38procurement of workers' compensation, life, or health
39insurance; amending s. 626.9891, F.S.; expanding
40authorization to impose administrative fines on insurers
41for failure to comply with certain anti-fraud plan or
42anti-fraud investigative unit description requirements;
43creating s. 626.9893, F.S.; authorizing the division to
44deposit certain revenues into the Insurance Regulatory
45Trust Fund; specifying accounting and uses of such
46revenues; providing for appropriation and use of such
47revenues; amending s. 627.736, F.S.; requiring insurers to
48provide certain persons with notice of the department's
49Anti-Fraud Reward Program and the criminal violations that
50may be reported in pursuit of a reward; amending s.
51627.7401, F.S.; specifying additional requirements for
52Financial Services Commission notification of an insured's
53rights; amending s. 817.234, F.S.; revising provisions
54specifying material omission and insurance fraud;
55prohibiting scheming to create documentation of a motor
56vehicle crash that did not occur; providing a criminal
57penalty; amending s. 817.2361, F.S.; providing that
58creating, marketing, or presenting fraudulent proof of
59motor vehicle insurance is a felony of the third degree;
60amending s. 817.50, F.S.; specifying nonapplication of
61provisions specifying evidence of intent to defraud to
62certain investigative actions taken by law enforcement
63officers; amending s. 817.505, F.S.; providing an
64additional patient brokering prohibition, to which
65penalties apply; revising a definition; amending s.
66843.08, F.S.; providing a criminal penalty for falsely
67assuming or pretending to be an officer of the Department
68of Financial Services; amending s. 932.7055, F.S.;
69requiring certain proceeds seized by the division under
70the Florida Contraband Forfeiture Act to be deposited into
71certain trust funds; providing severability; providing an
72effective date.
73
74Be It Enacted by the Legislature of the State of Florida:
75
76     Section 1.  Subsection (2) of section 316.068, Florida
77Statutes, is amended to read:
78     316.068  Crash report forms.--
79     (2)  Every crash report required to be made in writing must
80be made on the appropriate form approved by the department and
81must contain all the information required therein, including:
82     (a)  The date, time, and location of the crash;
83     (b)  A description of the vehicles involved;
84     (c)  The names and addresses of the parties involved;
85     (d)  The names and addresses of all drivers and passengers
86in the vehicles involved;
87     (e)  The names and addresses of witnesses;
88     (f)  The name, badge number, and law enforcement agency of
89the officer investigating the crash; and
90     (g)  The names of the insurance companies for the
91respective parties involved in the crash,
92
93unless not available. The absence of information in such written
94crash reports regarding the existence of passengers in the
95vehicles involved in the crash constitutes a rebuttable
96presumption that no such passengers were involved in the
97reported crash. Notwithstanding any other provisions of this
98section, a crash report produced electronically by a law
99enforcement officer must, at a minimum, contain the same
100information as is called for on those forms approved by the
101department.
102     Section 2.  Subsection (8) of section 322.21, Florida
103Statutes, is amended to read:
104     322.21  License fees; procedure for handling and collecting
105fees.--
106     (8)  Any person who applies for reinstatement following the
107suspension or revocation of the person's driver's license shall
108pay a service fee of $35 following a suspension, and $60
109following a revocation, which is in addition to the fee for a
110license. Any person who applies for reinstatement of a
111commercial driver's license following the disqualification of
112the person's privilege to operate a commercial motor vehicle
113shall pay a service fee of $60, which is in addition to the fee
114for a license. The department shall collect all of these fees at
115the time of reinstatement. The department shall issue proper
116receipts for such fees and shall promptly transmit all funds
117received by it as follows:
118     (a)  Of the $35 fee received from a licensee for
119reinstatement following a suspension, the department shall
120deposit $15 in the General Revenue Fund and $20 in the Highway
121Safety Operating Trust Fund.
122     (b)  Of the $60 fee received from a licensee for
123reinstatement following a revocation or disqualification, the
124department shall deposit $35 in the General Revenue Fund and $25
125in the Highway Safety Operating Trust Fund.
126
127If the revocation or suspension of the driver's license was for
128a violation of s. 316.193, or for refusal to submit to a lawful
129breath, blood, or urine test, an additional fee of $115 must be
130charged. However, only one $115 fee may be collected from one
131person convicted of violations arising out of the same incident.
132The department shall collect the $115 fee and deposit the fee
133into the Highway Safety Operating Trust Fund at the time of
134reinstatement of the person's driver's license, but the fee may
135not be collected if the suspension or revocation is overturned.
136If the revocation or suspension of the driver's license was for
137a conviction for a violation of s. 817.234(8) or (9) or s.
138817.505, an additional fee of $180 is imposed for each offense.
139The department shall collect and deposit the additional fee into
140the Highway Safety Operating Trust Fund at the time of
141reinstatement of the person's driver's license.
142     Section 3.  Subsection (9) is added to section 322.26,
143Florida Statutes, to read:
144     322.26  Mandatory revocation of license by department.--The
145department shall forthwith revoke the license or driving
146privilege of any person upon receiving a record of such person's
147conviction of any of the following offenses:
148     (9)  Conviction in any court having jurisdiction over
149offenses committed under s. 817.234(8) or (9) or s. 817.505.
150     Section 4.  Subsection (13) is added to section 400.9935,
151Florida Statutes, to read:
152     400.9935  Clinic responsibilities.--
153     (13)  The clinic shall display a sign in a conspicuous
154location within the clinic readily visible to all patients
155indicating that, pursuant to s. 626.9892, the Department of
156Financial Services may pay rewards of up to $25,000 to persons
157providing information leading to the arrest and conviction of
158persons committing crimes investigated by the Division of
159Insurance Fraud arising from violations of s. 440.105, s.
160624.15, s. 626.9541, s. 626.989, or s. 817.234. An authorized
161employee of the Division of Insurance Fraud may make unannounced
162inspections of a clinic licensed under this part as necessary to
163determine whether the clinic is in compliance with this
164subsection. A licensed clinic shall allow full and complete
165access to the premises to such authorized employee of the
166division who makes an inspection to determine compliance with
167this subsection.
168     Section 5.  Paragraph (a) of subsection (2) and paragraph
169(a) of subsection (4) of section 440.105, Florida Statutes, are
170amended to read:
171     440.105  Prohibited activities; reports; penalties;
172limitations.--
173     (2)  Whoever violates any provision of this subsection
174commits a misdemeanor of the first degree, punishable as
175provided in s. 775.082 or s. 775.083.
176     (a)  It shall be unlawful for any employer to knowingly:
177     1.  Coerce or attempt to coerce, as a precondition to
178employment or otherwise, an employee to obtain a certificate of
179election of exemption pursuant to s. 440.05.
180     2.  Discharge or refuse to hire an employee or job
181applicant because the employee or applicant has filed a claim
182for benefits under this chapter.
183     3.  Discharge, discipline, or take any other adverse
184personnel action against any employee for disclosing information
185to the department or any law enforcement agency relating to any
186violation or suspected violation of any of the provisions of
187this chapter or rules promulgated hereunder.
188     4.  Violate a stop-work order issued by the department
189pursuant to s. 440.107.
190     (4)  Whoever violates any provision of this subsection
191commits insurance fraud, punishable as provided in paragraph
192(f).
193     (a)  It shall be unlawful for any employer to knowingly:
194     1.  Present or cause to be presented any false, fraudulent,
195or misleading oral or written statement to any person as
196evidence of compliance with s. 440.38.
197     2.  Make a deduction from the pay of any employee entitled
198to the benefits of this chapter for the purpose of requiring the
199employee to pay any portion of premium paid by the employer to a
200carrier or to contribute to a benefit fund or department
201maintained by such employer for the purpose of providing
202compensation or medical services and supplies as required by
203this chapter.
204     3.  Fail to secure workers' payment of compensation
205insurance coverage if required to do so by this chapter.
206     Section 6.  Subsection (1) of section 456.054, Florida
207Statutes, is amended to read:
208     456.054  Kickbacks prohibited.--
209     (1)  As used in this section, the term "kickback" means a
210remuneration or payment back pursuant to an investment interest,
211compensation arrangement, or otherwise, by or on behalf of a
212provider of health care services or items, of a portion of the
213charges for services rendered to any person a referring health
214care provider as an incentive or inducement to refer patients
215for past or future services or items, when the payment is not
216tax deductible as an ordinary and necessary expense.
217     Section 7.  Section 624.15, Florida Statutes, is amended to
218read:
219     624.15  General penalty.--
220     (1)  Each willful violation of this code or rule of the
221department, office, or commission as to which a greater penalty
222is not provided by another provision of this code or rule of the
223department, office, or commission or by other applicable laws of
224this state is a misdemeanor of the second degree and is, in
225addition to any prescribed applicable denial, suspension, or
226revocation of certificate of authority, license, or permit,
227punishable as provided in s. 775.082 or s. 775.083. Each
228instance of such violation shall be considered a separate
229offense.
230     (2)  Each willful violation of an emergency rule or order
231of the department, office, or commission by a person who is not
232licensed, authorized, or eligible to engage in business in
233accordance with the Florida Insurance Code is a felony of the
234third degree, punishable as provided in s. 775.082, s. 775.083,
235or s. 775.084. Each instance of such violation is a separate
236offense. This subsection does not apply to licensees or
237affiliated parties of licensees.
238     Section 8.  Subsection (9) is added to section 626.112,
239Florida Statutes, to read:
240     626.112  License and appointment required; agents, customer
241representatives, adjusters, insurance agencies, service
242representatives, managing general agents.--
243     (9)  Any person who knowingly transacts insurance or
244otherwise engages in insurance activities in this state without
245a license in violation of this section commits a felony of the
246third degree, punishable as provided in s. 775.082, s. 775.083,
247or s. 775.084.
248     Section 9.  Subsections (1), (2), and (9) of section
249626.938, Florida Statutes, are amended to read:
250     626.938  Report and tax of independently procured
251coverages.--
252     (1)  Every insured who in this state procures or causes to
253be procured or continues or renews insurance from another state
254or country with an unauthorized foreign or alien insurer
255legitimately licensed in that jurisdiction, or any self-insurer
256who in this state so procures or continues excess loss,
257catastrophe, or other insurance, upon a subject of insurance
258resident, located, or to be performed within this state, other
259than insurance procured through a surplus lines agent pursuant
260to the Surplus Lines Law of this state or exempted from tax
261under s. 626.932(4), shall, within 30 days after the date such
262insurance was so procured, continued, or renewed, file a report
263of the same with the Florida Surplus Lines Service Office in
264writing and upon forms designated by the Florida Surplus Lines
265Service Office and furnished to such an insured upon request, or
266in a computer readable format as determined by the Florida
267Surplus Lines Service Office. The report shall show the name and
268address of the insured or insureds, the name and address of the
269insurer, the subject of the insurance, a general description of
270the coverage, the amount of premium currently charged therefor,
271and such additional pertinent information as is reasonably
272requested by the Florida Surplus Lines Service Office.
273     (2)  Any insurance on a risk located in this state in an
274unauthorized insurer legitimately licensed in another state or
275country procured through solicitations, negotiations, or an
276application, in whole or in part occurring or made outside
277within or from within this state, or for which premiums in whole
278or in part are remitted directly or indirectly from within this
279state, shall be deemed to be insurance procured, continued, or
280renewed in this state within the intent of subsection (1).
281     (9)  This section does not authorize independent
282procurement of workers' compensation insurance, apply as to life
283insurance, or health insurance.
284     Section 10.  Subsection (7) of section 626.9891, Florida
285Statutes, is amended to read:
286     626.9891  Insurer anti-fraud investigative units; reporting
287requirements; penalties for noncompliance.--
288     (7)  If an insurer fails to timely submit a final
289acceptable anti-fraud plan or anti-fraud investigative unit
290description otherwise fails to submit a plan, fails to implement
291the provisions of a plan or an anti-fraud investigative unit
292description, or otherwise refuses to comply with the provisions
293of this section, the department, office, or commission may:
294     (a)  Impose an administrative fine of not more than $2,000
295per day for such failure by an insurer to submit an acceptable
296anti-fraud plan or anti-fraud investigative unit description,
297until the department, office, or commission deems the insurer to
298be in compliance;
299     (b)  Impose an administrative fine for failure by an upon
300the insurer to implement or follow the provisions of an anti-
301fraud plan or anti-fraud investigative unit description a fraud
302detection and prevention plan that is deemed to be appropriate
303by the department and that must be implemented by the insurer;
304or
305     (c)  Impose the provisions of both paragraphs (a) and (b).
306     Section 11.  Section 626.9893, Florida Statutes, is created
307to read:
308     626.9893  Disposition of revenues; criminal or forfeiture
309proceedings.--
310     (1)  The Division of Insurance Fraud of the Department of
311Financial Services may deposit revenues received as a result of
312criminal proceedings or forfeiture proceedings, other than
313revenues deposited into the Department of Financial Services'
314Federal Equitable Sharing Trust Fund under s. 17.43, into the
315Insurance Regulatory Trust Fund. Moneys deposited pursuant to
316this section shall be separately accounted for and shall be used
317solely for the division to carry out its duties and
318responsibilities.
319     (2)  Moneys deposited into the Insurance Regulatory Trust
320Fund pursuant to this section shall be appropriated by the
321Legislature, pursuant to the provisions of chapter 216, for the
322sole purpose of enabling the division to carry out its duties
323and responsibilities.
324     (3)  Notwithstanding the provisions of s. 216.301 and
325pursuant to s. 216.351, any balance of moneys deposited into the
326Insurance Regulatory Trust Fund pursuant to this section
327remaining at the end of any fiscal year shall remain in the
328trust fund at the end of that year and shall be available for
329carrying out the duties and responsibilities of the division.
330     Section 12.  Subsection (14) is added to section 627.736,
331Florida Statutes, to read:
332     627.736  Required personal injury protection benefits;
333exclusions; priority; claims.--
334     (14)  FRAUD ADVISORY NOTICE.--Upon receiving notice of a
335claim under this section, an insurer shall provide a notice to
336the insured or to a person for whom a claim for reimbursement
337for diagnosis or treatment of injuries has been filed, advising
338that:
339     (a)  Pursuant to s. 626.9892, the Department of Financial
340Services may pay rewards of up to $25,000 to persons providing
341information leading to the arrest and conviction of persons
342committing crimes investigated by the Division of Insurance
343Fraud arising from violations of s. 440.105, s. 624.15, s.
344626.9541, s. 626.989, or s. 817.234.
345     (b)  Solicitation of a person injured in a motor vehicle
346crash for purposes of filing personal injury protection or tort
347claims could be a violation of s. 817.234, s. 817.505, or the
348rules regulating The Florida Bar and should be immediately
349reported to the Division of Insurance Fraud if such conduct has
350taken place.
351     Section 13.  Subsection (1) of section 627.7401, Florida
352Statutes, is amended to read:
353     627.7401  Notification of insured's rights.--
354     (1)  The commission, by rule, shall adopt a form for the
355notification of insureds of their right to receive personal
356injury protection benefits under the Florida Motor Vehicle No-
357Fault Law. Such notice shall include:
358     (a)  A description of the benefits provided by personal
359injury protection, including, but not limited to, the specific
360types of services for which medical benefits are paid,
361disability benefits, death benefits, significant exclusions from
362and limitations on personal injury protection benefits, when
363payments are due, how benefits are coordinated with other
364insurance benefits that the insured may have, penalties and
365interest that may be imposed on insurers for failure to make
366timely payments of benefits, and rights of parties regarding
367disputes as to benefits.
368     (b)  An advisory informing insureds that:
369     1.  Pursuant to s. 626.9892, the Department of Financial
370Services may pay rewards of up to $25,000 to persons providing
371information leading to the arrest and conviction of persons
372committing crimes investigated by the Division of Insurance
373Fraud arising from violations of s. 440.105, s. 624.15, s.
374626.9541, s. 626.989, or s. 817.234.
375     2.  Pursuant to s. 627.736(5)(e)1., if the insured notifies
376the insurer of a billing error, the insured may be entitled to a
377certain percentage of a reduction in the amount paid by the
378insured's motor vehicle insurer.
379     (c)  A notice that solicitation of a person injured in a
380motor vehicle crash for purposes of filing personal injury
381protection or tort claims could be a violation of s. 817.234, s
382817.505, or the rules regulating The Florida Bar and should be
383immediately reported to the Division of Insurance Fraud if such
384conduct has taken place.
385     Section 14.  Paragraph (a) of subsection (7) and subsection
386(9) of section 817.234, Florida Statutes, are amended to read:
387     817.234  False and fraudulent insurance claims.--
388     (7)(a)  It shall constitute a material omission and
389insurance fraud, punishable as provided in subsection (11), for
390any service physician or other provider, other than a hospital,
391to engage in a general business practice of billing amounts as
392its usual and customary charge, if such provider has agreed with
393the insured patient or intends to waive deductibles or
394copayments, or does not for any other reason intend to collect
395the total amount of such charge. With respect to a determination
396as to whether a service physician or other provider has engaged
397in such general business practice, consideration shall be given
398to evidence of whether the physician or other provider made a
399good faith attempt to collect such deductible or copayment. This
400paragraph does not apply to physicians or other providers who
401waive deductibles or copayments or reduce their bills as part of
402a bodily injury settlement or verdict.
403     (9)  A person may not organize, plan, or knowingly
404participate in an intentional motor vehicle crash or a scheme to
405create documentation of a motor vehicle crash that did not occur
406for the purpose of making motor vehicle tort claims or claims
407for personal injury protection benefits as required by s.
408627.736. Any person who violates this subsection commits a
409felony of the second degree, punishable as provided in s.
410775.082, s. 775.083, or s. 775.084. A person who is convicted of
411a violation of this subsection shall be sentenced to a minimum
412term of imprisonment of 2 years.
413     Section 15.  Section 817.2361, Florida Statutes, is amended
414to read:
415     817.2361  False or fraudulent proof of motor vehicle
416insurance card.--Any person who, with intent to deceive any
417other person, creates, markets, or presents a false or
418fraudulent proof of motor vehicle insurance card commits a
419felony of the third degree, punishable as provided in s.
420775.082, s. 775.083, or s. 775.084.
421     Section 16.  Subsection (2) of section 817.50, Florida
422Statutes, is amended to read:
423     817.50  Fraudulently obtaining goods, services, etc., from
424a health care provider.--
425     (2)  If any person gives to any health care provider in
426this state a false or fictitious name or a false or fictitious
427address or assigns to any health care provider the proceeds of
428any health maintenance contract or insurance contract, then
429knowing that such contract is no longer in force, is invalid, or
430is void for any reason, such action shall be prima facie
431evidence of the intent of such person to defraud the health care
432provider. However, this subsection does not apply to
433investigative actions taken by law enforcement officers for law
434enforcement purposes in the course of their official duties.
435     Section 17.  Subsection (1) and paragraph (a) of subsection
436(2) of section 817.505, Florida Statutes, are amended to read:
437     817.505  Patient brokering prohibited; exceptions;
438penalties.--
439     (1)  It is unlawful for any person, including any health
440care provider or health care facility, to:
441     (a)  Offer or pay any commission, bonus, rebate, kickback,
442or bribe, directly or indirectly, in cash or in kind, or engage
443in any split-fee arrangement, in any form whatsoever, to induce
444the referral of patients or patronage to or from a health care
445provider or health care facility;
446     (b)  Solicit or receive any commission, bonus, rebate,
447kickback, or bribe, directly or indirectly, in cash or in kind,
448or engage in any split-fee arrangement, in any form whatsoever,
449in return for referring patients or patronage to or from a
450health care provider or health care facility; or
451     (c)  Solicit or receive any commission, bonus, rebate,
452kickback, or bribe, directly or indirectly, in cash or in kind,
453or engage in any split-fee arrangement, in any form whatsoever,
454in return for the acceptance or acknowledgement of treatment
455from a health care provider or health care facility; or
456     (d)(c)  Aid, abet, advise, or otherwise participate in the
457conduct prohibited under paragraph (a), or paragraph (b), or
458paragraph (c).
459     (2)  For the purposes of this section, the term:
460     (a)  "Health care provider or health care facility" means
461any person or entity licensed, certified, or registered;
462required to be licensed, certified, or registered; or lawfully
463exempt from being required to be licensed, certified, or
464registered with the Agency for Health Care Administration or the
465Department of Health; any person or entity that has contracted
466with the Agency for Health Care Administration to provide goods
467or services to Medicaid recipients as provided under s. 409.907;
468a county health department established under part I of chapter
469154; any community service provider contracting with the
470Department of Children and Family Services to furnish alcohol,
471drug abuse, or mental health services under part IV of chapter
472394; any substance abuse service provider licensed under chapter
473397; or any federally supported primary care program such as a
474migrant or community health center authorized under ss. 329 and
475330 of the United States Public Health Services Act.
476     Section 18.  Section 843.08, Florida Statutes, is amended
477to read:
478     843.08  Falsely personating officer, etc.--A person who
479falsely assumes or pretends to be a sheriff, officer of the
480Florida Highway Patrol, officer of the Fish and Wildlife
481Conservation Commission, officer of the Department of
482Environmental Protection, officer of the Department of
483Transportation, officer of the Department of Financial Services,
484officer of the Department of Corrections, correctional probation
485officer, deputy sheriff, state attorney or assistant state
486attorney, statewide prosecutor or assistant statewide
487prosecutor, state attorney investigator, coroner, police
488officer, lottery special agent or lottery investigator, beverage
489enforcement agent, or watchman, or any member of the Parole
490Commission and any administrative aide or supervisor employed by
491the commission, or any personnel or representative of the
492Department of Law Enforcement, and takes upon himself or herself
493to act as such, or to require any other person to aid or assist
494him or her in a matter pertaining to the duty of any such
495officer, commits a felony of the third degree, punishable as
496provided in s. 775.082, s. 775.083, or s. 775.084; however, a
497person who falsely personates any such officer during the course
498of the commission of a felony commits a felony of the second
499degree, punishable as provided in s. 775.082, s. 775.083, or s.
500775.084; except that if the commission of the felony results in
501the death or personal injury of another human being, the person
502commits a felony of the first degree, punishable as provided in
503s. 775.082, s. 775.083, or s. 775.084.
504     Section 19.  Paragraph (n) is added to subsection (6) of
505section 932.7055, Florida Statutes, to read:
506     932.7055  Disposition of liens and forfeited property.--
507     (6)  If the seizing agency is a state agency, all remaining
508proceeds shall be deposited into the General Revenue Fund.
509However, if the seizing agency is:
510     (n)  The Division of Insurance Fraud of the Department of
511Financial Services, the proceeds accrued pursuant to the
512provisions of the Florida Contraband Forfeiture Act shall be
513deposited into the Insurance Regulatory Trust Fund as provided
514in s. 626.9893 or into the Department of Financial Services'
515Federal Equitable Sharing Trust Fund as provided in s. 17.43, as
516applicable.
517     Section 20.  If any provision of this act or the
518application thereof to any person or circumstance is held
519invalid, the invalidity does not affect other provisions or
520applications of the act which can be given effect without the
521invalid provision or application, and, to this end, the
522provisions of this act are declared severable.
523     Section 21.  This act shall take effect July 1, 2006.


CODING: Words stricken are deletions; words underlined are additions.