USA > Minnesota > Renville County > The history of Renville County, Minnesota, Volume II > Part 4
Note: The text from this book was generated using artificial intelligence so there may be some errors. The full pages can be found on Archive.org (link on the Part 1 page).
Part 1 | Part 2 | Part 3 | Part 4 | Part 5 | Part 6 | Part 7 | Part 8 | Part 9 | Part 10 | Part 11 | Part 12 | Part 13 | Part 14 | Part 15 | Part 16 | Part 17 | Part 18 | Part 19 | Part 20 | Part 21 | Part 22 | Part 23 | Part 24 | Part 25 | Part 26 | Part 27 | Part 28 | Part 29 | Part 30 | Part 31 | Part 32 | Part 33 | Part 34 | Part 35 | Part 36 | Part 37 | Part 38 | Part 39 | Part 40 | Part 41 | Part 42 | Part 43 | Part 44 | Part 45 | Part 46 | Part 47 | Part 48 | Part 49 | Part 50 | Part 51 | Part 52 | Part 53 | Part 54 | Part 55 | Part 56 | Part 57 | Part 58 | Part 59 | Part 60 | Part 61 | Part 62 | Part 63 | Part 64 | Part 65 | Part 66 | Part 67 | Part 68 | Part 69 | Part 70 | Part 71 | Part 72 | Part 73 | Part 74 | Part 75 | Part 76 | Part 77 | Part 78 | Part 79 | Part 80 | Part 81 | Part 82 | Part 83 | Part 84 | Part 85 | Part 86 | Part 87 | Part 88 | Part 89 | Part 90 | Part 91 | Part 92 | Part 93
·
69-
IHISTORY OF RENVILLE COUNTY
in an unchinked, unplastered log school house, the school term being three months. It was possible for this reason to attend more than one school. as the teacher taught in two or three schools during the year. At first it was very difficult for the boys to get along because their first teacher, Nellie Ennestvedt, now Mrs. Peder Kittelsland, of South Saered Heart, would not permit any Norwegian spoken in the school room. However, they were aided by other Norwegian speaking pupils, who translated the rules and assignment of lessons. The next important event in the life of Frantz Nellermoe came with the disastrous arrival of the grasshoppers, sweeping over the country in great clouds and devastating all grain and hay erops that year and the next and then disappearing as suddenly as they appeared. The hard times following the raid made it necessary for Mr. Nellermoe to hire out elsewhere. Ile walked all the way to the Red River Valley and found work with farmers in Richland and Cass coun- ties in North Dakota. He had resolved to save $100 every year, and that year exceeded his own expectations by coming home with $150. Ile was only a boy of sixteen and considered himself very fortunate. Soon after this Mr. Nellermoe's father died in Norway, and in 1878 his mother, accompanied by his brothers, Jacob and Nels, and his sisters, Ellen and Anna, came to this country and resided on a 120-acre farm purchased by Frantz. Later his mother purchased forty acres of land adjoining her son's Farm. Besides farming he also operated a separator for seven seasons of threshing, and in this way was able to meet the obligations incurred by the purchase of his farm. Realizing that he was not as completely prepared as he would wish to compete with other men of better education he sold his farm and invested the proceeds in the securing of an education, spending two years at St. Olaf's college at Northfield and one year at the Archibald Business college at Minneapolis, then located on the third Hoor of the building on the corner of First avenue south and Third street. lle graduated from this institution May 1, 1885. just eleven years from the day he first landed in this country. Alter an unsuccessful attempt to secure work in the city he returned home and obtained a position in the general store of Stenson & Ramsland. of Sacred Heart, as clerk and general assistant. Later he accepted a position with J. S. Johnson. of Granite Falls, sell- ing farm implements. Next he entered the general merchandise business with his brother Theodore. of Sacred Heart. After four years spent in the mercantile business be formed a partnership with Ed O'Conner and bought grain at Sacred Heart in the Farmers' Warehouse of that place For two years. Leaving that business Mr. Nellermo, together with John and Ed O'Conner, established the Farmers' Bank, of Sacred Heart. Mr. Nellermoe being chosen cashier. He held this position until 1893. when
STATE BANK OF BUFFALO LAKE.
STATE BANK OF BUFFALO LAKE
STATE BANK OF BUFFALO LAKE
Tah T. PUBLIC CI A
AFOR. LEN 1} { V. TILDEN SOUNDATDI ...
695
HISTORY OF RENVILLE COUNTY
he with Tim and Ed O'Conner established the Bank of Buffalo Lake, with F. G. Nellermoe as its cashier and manager. Ile later purchased the interest of the O'Conner brothers in the bank and became the sole owner, manager and cashier until it was incorporated January 18, 1901, as the State Bank of Buffalo Lake. Mr. Nellermoe was elected cashier by the board of directors and has held that position up to the present time. At the time that the Bank of Buffalo Lake was established the vil- lage had a population of about 125 people. Mr. Nellermor was one of the first organizers of the Farmers' Elevator Co. at Sacred Ileart, which was the first organization of that kind in Renville county. He acted as secretary. Ile also has been instru- mental in organizing two other companies of this kind in Buffalo Lake and two creameries. Mr. Nellermoe is very inneh interested in the general advancement and progress of his community and has done many things for the betterment of Buffalo Lake. He is credited with having spent $2,000 in building and improving publie roads leading to Buffalo Lake. He maintains a standing offer to all land owners near Buffalo Lake to supply them with money at a reduced rate of interest for the purpose of tiling their lands, the building of silos and purchase of good live stock. He has held a number of minor local offices. beginning with the clerkship of school district No. 41 in Hawk Creek and then in the following succession the offices of president, councilman, village recorder and clerk of school board, of Sacred Heart. Later at Buffalo Lake he has held the offices of village recorder. village president and elerk of the village school board. He has now retired from official life with the exception of the office of secretary of the Renville County Old Settlers' Association. Mr. NeHermoe is an influential and respected man and has acquired his present independent position in life by means of hard work and self-denial. Ilis motto is: "The drone will starve owning a gold mine and the hustler will prosper on a barren island." Ile has seen Renville county when it was practically a wilderness with dugouts as the best buildings the farmers could afford. and he has seen the same farmers ereet palatial dwellings and modern barns and acquire the latest conveniences. Ile has seen railroads built across the northern and southern portions of Renville county and was one of the many who helped remove the sand in the building of the Milwaukee Railroad. Ile has assisted in the building up of two villages in the county, and while he is now over fifty-five years of age he still appears capable of accom- płishing much good for his village and county, and is by no means ready or willing to be counted on the retired list. Owning four improved farms near Buffalo Lake, one of which has 2,000 rods of woven wire fenee and nine and one-half miles of tiled ditches, he has something to look after in hours when not oeeu-
696
HISTORY OF RENVILLE COUNTY
pied at the bank, and he needs energy and push to keep his affairs intact, therefore he has no thought of retirement until he is forced to by nature. Mr. Nellermoe was married June 5, 1894, to Julia C. Hanson, of Woodville, Wis. She was born June 5, 1873, the oldest daughter of Peter and Martha Hanson, natives of Hemnaes, Nordland, Norway, who came to America by sailing vessel in 1864 and located on a farm in the pine forest of St. Croix county. Wisconsin, where they made their home till 1914, when they sold their farm and retired from active farming and now reside in the village of Woodville. Two sons have been born to bless this union : JJoy O., now a student in the College of Dentistry, University of Minnesota, and Platt M., a gradnate of the 1915 class of the Hector High school.
The Olivia State Bank was incorporated January 1. 1895, being state bank No. 218. The following persons formed this association for incorporation: M. J. Dowling, Ed. O'Connor, T. O'Connor and Jesse T. Brooks, all of Renville; M. J. Glen, T. 11. MeGinty, W. J. Heany, Fred M. Byrne, James E. Daven- port, John Miller, P. H. Kirwan. William Windhorst, J. M. Peekinpangh, Marie Erna Pfeiffer and G. E. Peterson, all of Olivia ; J. S. Conghlin, James Curtin and Mrs. Mattie Coughlin, all of Minneapolis : T. II. Collyer, of Beaver Falls, and George W. Sommerville, of Sleepy Eye. The amount of capital stock was $25,000. The first officers were: Ed. O'Connor, president : Will- iam Windhorst, vice-president; P. H. Kirwan, cashier; E. L. DePue, assistant cashier. The first certificate of stoek issued by the bank was the one issued to M. J. Dowling. The bank opened for business January 1, 1895, in its own building, which was erected by the building committee during the fall of 1894. It still oreupies this building.
January 14, 1896, D. W. Cheney became president and Hans Gronnerud cashier. January 9, 1900, Hans Gronnerud became president and E. L. DePue cashier. H. A. Reed succeeded as cashier July 10, 1900. D. W. Cheney sneceeded Hans Gronnernd as president May 28, 1901, and he in turn was succeeded by George Welsh, as president, August 26, 1902. The present ineum- bent is M. J. Dowling, who took office October 21, 1902. Hattie S. Bordewich, on August 1, 1903, succeeded II. A. Reed as eashier. William Windhorst was sneeceded as vice-president by .J. M. Freeman, January 10, 1905. D. D. Cheney, Jr., was appointed assistant cashier January 9, 1906, and was sueeeeded by the present assistant cashier, Harold Bordewich, February 1, 1908. Harold Griffith was appointed as an additional eashier August 1, 1915. The present officers are: M. J. Dowling, president ; .J. M. Freeman, vice-president : Hattie S. Bordewich, eashier ; Harold Bordewich, assistant cashier, and Harold Griffith, assistant cashier.
»
M. J. DOWLING
THE NEW YORK PUBLIC LIBRARY
ASTOR. LENOX AND TILDEN FOUNDATION
697
HISTORY OF RENVILLE COUNTY
The policy of the bank is, with a conservative regard for the interest of its stockholders, to do the most good in the best man- ner for the patrons and the community.
Following is a statement of the condition of the bank at the close of business on September 2, 1915: Resources-loans, $218,- 248.33; overdrafts, $236,33; banking house, furniture and fix- tures, $6,000; other real estate, $6,100; due from banks, $8,378.48; cash on hand, $8,279.95; total cash assets, $16,658.43; checks and cash items, $844.09; total, $248,087.18. Liabilities-capital stoek, $25,000; surplus fund, $5,000; undivided profits, net, $2.027.26; notes rediscounted and bills payable, $5,000; deposits subject to check, $80,635.25; demand certificates, $34.35; cashier's checks, $1,901.81; total immediate liabilities, $82,571.51; time certificates, $128,482.82; total deposits, $211,054.33; suspense account, $5.59; total, $248,087.18: amount of reserve on hand, $17,502.52; amount of reserve required by law, $17,502.72.
M. J. Dowling, president of the Olivia State Bank, was born in Huntington, Massachusetts, February 17, 1866, son of John Jerome Dowling and Honora Barry Dowling, both of whom are deceased. IIe came to Minnesota in 1877, and, except for intervals of temporary residence elsewhere, has lived in Minnesota continu- onsly since that time. He has lived in only six counties during these years, Olmsted, Lincoln, Lyon, Yellow Medicine, Chippewa, and Renville. He was married October 2, 1895, to Jennie L. Bor- dewich, and they have three daughters, Dorothy, Marjorie and Kathleen. He was assistant clerk and chief clerk of the Minnesota House of Representatives for several sessions and was speaker of the Honse during the regular session of 1900 and the extra session of 1901, was secretary of the National Republican League for three years, covering a period of the beginning of the MeKinley cam- paign and for a year and a half after MeKinley's election. He has been in the banking business in Olivia since October 19, 1902.
The State Bank of Morton opened for business November 30, 1891, under the name of Bank of Morton. The first officers were : Hans Gronnerud, president : R. B. Henton, Sr., vice-president ; F. W. Orth, cashier, and Henry Beekman, assistant cashier. In 1898 Mr. Gronnerud sold his interest in the bank and in 1908 the bank was incorporated as a state bank with a capital of $25,000 and $5,000 surplus. The surplus has been increased out of the earnings to $10,000. The incorporators were F. W. Orth, R. B. Henton, Henry Beekman, Fred Anfderheide, Mary A. F. Gloden, John Cheney, Lonis Zinne and Charles II. Orth. The present officers of the bank are: F. W. Orth, president ; R. B. Henton, vice-president ; Henry Beekman, cashier, and Clinton G. Orth, assistant cashier.
The object of the bank is to furnish a safe place for the deposit of funds, and its poliey is to upbuild the community by
698
HISTORY OF RENVILLE COUNTY
accommodating in every way consistent with sound banking all prospective borrowers.
Following is a report to the superintendent of banks at close of business December 31. 1914: Resources-loans, discounts and bonds, $125,393.24; overdrafts, $530.96; furniture and fixtures, $2,480; other real estate, $8,875: cash and due from banks, $25,312.76; total, $252,591.96. Liabilities-capital and surplus, $35,000 ; undivided profits, $7,171.71 ; deposits, $210,420.25; total. $252,591.96.
Henry Beckman, a progressive citizen of Morton, was born August 12, 1871, in JJordan, Minnesota. Ilis father. Frank Beek- man, a farmer, came to Minnesota in 1856. He was a member of Company 1, of the Fifth Regiment, Minnesota Volunteer Infantry, and fought in the battles of Corinth and Vicksburg. He died Mareh, 1911, at the age of eighty years. His mother, Mary (Loenne) Beckman, aged seventy, is still living at Jordan. Mr. Beekman attended the country schools and later the Lakeview Academy at Sauk Centre. At the age of 18 he began as an appren- tice in the Seott County Bank at Jordan. This was in May. 1889. Here he remained for two years. Next he worked in the general store of R H Kempton at Morton for six months, and later worked for three months in the harvest fields. When the State Bank of Morton was started on November 30, 1891, he was given the posi- tion of assistant cashier, and on March 2, 1908, became the cashier, which position he still hokls. Mr. Beckman is the secretary of the Morton Telephone Company, recording secretary of the C. O. F., and holds the fourth degree of membership in the Knights of Columbus. Ile is also a member of the Catholic church. May 27. 1896, Mr. Beekman was married to Nellie Brown, daughter of James and Mary Ann (Goggin) Brown. Her father, a farmer who came from Quebec, Canada, to Renville county in 1864, where he took up a homestead in Norfolk township on seetion 25, died in 1884 at the age of fifty. Her mother is still living. at the age of seventy-two, in the village of Franklin. Mr. and Mrs. Beekman have six chillren, Sophie. 18; Edith, 16: Margaret, 13; Ilelen, 9: Francis, 4; Charlotte, 1.
Fred W. Orth, an influential banker of this county, was born in New Uhn, Minn., May 21, 1866, son of Frederick and Anna (Scharf) Orth. llis father came to Brown county in 1864, and is at present making his home at New UIm, being seventy-four years of age. His mother died in 1914, at the age of sixty-three. Mr. Orth started a general store in Morton with H. M. Noack, in 1887. In 1896 he and Fred Aufderheide started a brickyard called the Morton Brick & Tile Company. After operating this for twelve years he sold his share and in 1892 started the bank of Morton with Ilans Gronnerud, of Beaver Falls, Mr. Orth be- ing appointed the cashier. He continued as such until March 2.
699
HISTORY OF RENVILLE COUNTY
1908, when the bank was reorganized as the State Bank of Mor- ton, with the subject of this sketch as president. He is still located at Morton. In company with his brother, Charles Il .. he also owns a stock and grain farm near Olivia, of 800 aeres, 300 aeres being used for the raising of corn. They feed about 100 cattle, 100 sheep and 200 hogs per year. Mr. Orth has been an efficient and trusted man in public affairs and holds the position of village treasurer. He has also been a member of the school board for the last twenty-five years. Ile is a member of the A. F. & A. M. and has been the secretary for twenty-five years of the I. O. O. F. May 21, 1891, Mr. Orth was united in mar- riage to Sarah E. Graham, daughter of Alexander Graham, a farmer near Green Bay, Wis. Five children have been born to this union: Clinton G., assistant cashier of the State Bank, at Morton : Ruby A., now a second year student of the University of Minnesota, and Fred R., Frank W., and Helen M., who are at home.
The Security Bank of Fairfax was organized in the spring of 1893. A. E. Clark was the president and A. E. Carver the cashier. It was absorbed by the State Bank of Fairfax February 1. 1895.
The Farmers & Merchants State Bank, of Hector, was incor- porated September 3, 1898, with a capital of $10,000. The fol- lowing were the incorporators: W. B. Strom, W. Smalley. A. E. Schroeder, W. D. Griffith, A. M. Ericson, E. M. Erieson. George Johnson. Henry L. Simons, C. L. Foster and C. H. Freeman. The first officers and directors were: W. Smalley, president : W. B. Strom, vice-president : C. Il. Freeman, cashier: W. D. Griffith. assistant cashier ; Henry L. Simons, A. E. Schroeder and E. M. Ericson. The bank opened for business December 19, 1898, in the building which it has occupied ever since. In 1903 A. E. Schroeder was elected president to succeed W. Smalley. In 1905 C. II. Freeman was elected vice-president, which office he held until 1908, when he was succeeded by W. B. Strom. In 1901 S. W. Anderson was appointed to sneceed W. D. Griffith, who resigned to take the office of county treasurer. In 1906 S. W. Anderson was appointed cashier to succeed C. HI. Freeman. The present board is constituted of the following: S. W. Anderson. cashier, and A. B. Dahlgren, assistant cashier. In 1907 the cap- ital stock was increased to $20,000, the additional $10,000 being . converted from the surplus account, which had all been earned. The bank has maintained a consistent poliey of service to the community.
The following is the latest financial statement : Resources- loans and discounts, $205,144.14: overdrafts, $157.62; banking house, furniture and fixtures, $5,675.00 : eash and dne from banks. $20,403.33; total. $231,380.09. Liabilities-capital stork and sur-
.
700
HISTORY OF RENVILLE COUNTY
plus, $25,000; undivided profits, $3,340.16: deposits, $203,039.93; total. $231.380.09.
Albert E. Schroeder, president of the Farmers' and Mer- «hants' State Bank of Hector, treasurer of the Hector board of education, and secretary and treasurer of the Johnson Hardware Co., of that place, was born at Randolph, Wisconsin, June 27. 1860. and was brought to Fillmore county, this state, by his parents in 1864. He was reared on a farm near Spring Valley. attended the district schools and the Spring Valley schools, and remained at home until 1881, when he came to Renville county and started the first store at Buffalo Lake. A year and a half later he bought a farm of eighty aeres in section 23, Hector town- ship. and engaged in farming. He developed a splendid place, erected a good residence and suitable barns and sheds and had added to it until he now owns 280 acres. Three years after pur- chasing the tarm he engaged for a year in the hotel business in Hector. In 1902 he became interested in the hardware business at Hector, and identified himself with what is now the JJohnson Hardware Co. The company was organized in 1897, was incor- porated in 1901 and has the following officers: President, George Johnson; vice-president, Leo Johnson ; secretary and treasurer, A. E. Schroeder. In March, 1915, the building and stock was destroyed by fire. The company has now completed and opened the finest store in Hector. The building occupies a commanding position, is of briek, fireproof throughout, and is modern in every partienlar. The company carries a complete line of furniture. hardware, farm machinery and equipment, and acts as agent for the Ford automobile. An undertaking establishment is also con- dueted. Mr. Schroeder was one of the organizers of the bank, of which he is now president. and has been a member of the board of education for sixteen years. fle is a shrewd and cantions business man. and an influential citizen. taking an interest in everything that has for its purpose the good and betterment of the commmity. and contributing liberally to every worthy cause. Mr. Schroeder was married May 27. 1889, to Ella Freeman, and this union has been blessed with five children : Mildred, Myrtle, Nova, Stanley and Donald. Mildred was born April 2, 1890, graduated from the Hector High school in 1908 and from Carle- ton college at Northfield in 1912. since which time she has been a teacher at New Uhn. Myrtle was born June 20. 1892, graduated from the Hector High school, and was married August 25. 1914. to John Butler, son of E. J. Butler. of Martinsburg township. John Butler is now connected with the Johnson Ilardware Co. Neva was born December 14, 1894, graduated from the Hector High school and is now a student in the University of Minnesota. Stanley, born March 10. 1901, and Donald, born February 14, 1903, are both students in the public schools. Frederick Schroeder
THE NEW YORK PUBLIC LIBRARY
ASTOR. LENOX WIRD TILDEN YOUNDIMUNS
S. W. ANDERSON
701
HISTORY OF RENVILLE COUNTY .
and his good wife Paulina (Yunker) Schroeder, parents of Albert E. Schroeder, were born in Germany, came to America early in life, were married in Wisconsin, and in 1864 came to this state and located on a farm near Spring Valley in Fillmore county. Frederick Sebroeder died in 1909 and his wife in 1901.
Swante W. Anderson, cashier of the Farmers' & Merchants' State Bank, of Hector, was born October 24, 1879, at Red Wing, Minn., son of Swante and Charlotte (Johnson) Anderson. After graduating from the Red Wing High school he spent a year at the commercial college at St. Peter. In 1898 he became book- keeper for the Johnson Hardware Co., of Hector, and in 1900 was made assistant cashier of the bank, of which he is now cashier, having held that position of trust since 1905, when he succeeded C. H. Freeman. He is a Republican and a member of Hector Lodge No. 158, A. F. & A. M. He was president of the village council in 1913 and prior to that time served several terms as a village councilman. Ile is also president of the local telephone company. June 14. 1912, Mr. Anderson was married to Lora Hoffman, born at Rochester September 28, 1884, daughter of Louis and Christina (Stephens) Hoffman. Swante Anderson, born June 10. 1841. in Sweden, came to America in the early seventies and settled in Red Wing, where he was in the grocery business for several years. He then entered the mail service and died July 12. 1908, at Randolph, Min. He was married Novem- ber 30, 1876, to Charlotte Johnson, born May 26. 1861, in Pepin county, Wisconsin. She is now living in Hector. There were two children: Swante W., born October 24. 1879, and Esther. born October 13. 1877, now Mrs. S. D. Morrill, of Hector. Louis Hoffman has devoted his life to farming and now lives in retire- ment at Rochester, in this state. He and his wife had three chil- dren : Edward, of Bird Island: Bertha, the widow of Theodore Adler ; Lora, the wife of Swante W. Anderson.
The State Bank of Franklin was originally established by D. W. Cheney, of Sparta, Wis .; Fred W. Orth, of Morton, and Hans Gronnerud, of Beaver Falls, in the year 1898. H. A. Reed, of Hector, was placed in charge, as cashier. In the month of July. 1900. Andrew J. Olin purchased the bank from Messrs. Cheney, Orth and Gronnerud, and eontinned the bank as a private banking institution until December. 1900, when the bank was reorganized and established as a state bank. The incorporators were Andrew J. Olin, Anthony Poss, C. W. Parson, A. S. Eriek- son, George Forsyth, Hans West and Fred Jensen, of Franklin, and Peter Manderfeld, Ferdinand Grone and Dr. J. L. Schoell, of New Ulm.
At the time of the establishment of the bank as a state insti- tution the eapital was placed at $15,000. The deposits at this time were $28,000. Since then the surplus has steadily been
702
HISTORY OF RENVILLE COUNTY
increased, until the year 1911 it was raised to $15,000, the same as the capital. The deposits in the meantime had increased from $28,000 to $230,000, which latter figure was the amount shown in the last published statement.
The first officers and directors of the State Bank were: Anthony Poss, president ; C. W. Parson, vice-president : Andrew J. Olin, cashier; Peter Manderfeld and A. S. Erickson being the two other directors. A few years later when C. W. Parsons moved to Minneapolis, A. S. Erickson was elected vice-president in the place of Mr. Parsons. With this exception there has been no change in the officers or directors. O. A. Olson was elected assistant cashier in the year 1902, resigning his position as station agent for the Minneapolis & St. Louis Railway Co., and has continued in that position ever since. In 1913 John L. Peterson, who had been bookkeeper with the bank for five years, was pro- moted to second assistant eashier, which position he now holds.
The bank owns the one-story brick building it has always ocenpied, the same being built in the year 1898 when the bank was first established. The building is of solid brick, Morton granite foundation and trimmings, and cost $5,000. The bank has at all times endeavored to promote the interests of the terri- tory it serves, believing that the local bank should take the lead in every publie improvement and enterprise.
Following is a statement of the condition of the bank at the close of business June 30, 1914: Resources-loans and discounts, $222,606.40; overdrafts, $476.66; bonds and securities, $500; banking house, furniture and fixtures, $6,200; other real estate, $9,100; due from banks, $11,105.86; cash on hand, $6,055.48; checks and cash items, $547.48; total. $256,691.88. Liabilities- capital stock, $15,000; surplus fund, $15,000; undivided profits, net, $2,957.67; notes rediscounted and bills payable, $3,000: deposits subject to cheek, $66.679.82; cashier's checks, $2,710.77; time certificates, $151,243.62; total, $256,591.88.
Need help finding more records? Try our genealogical records directory which has more than 1 million sources to help you more easily locate the available records.