{"id":2685,"date":"2024-08-08T10:23:55","date_gmt":"2024-08-08T08:23:55","guid":{"rendered":"https:\/\/clanq.ch\/?p=2685"},"modified":"2024-10-18T13:58:53","modified_gmt":"2024-10-18T11:58:53","slug":"seule-une-famille-suisse-sur-trois-parle-dargent","status":"publish","type":"post","link":"https:\/\/clanq.ch\/fr\/seule-une-famille-suisse-sur-trois-parle-dargent\/","title":{"rendered":"Seule une famille suisse sur trois parle d’argent"},"content":{"rendered":"

Notre enqu\u00eate en ligne \u00ab Epargner pour l’avenir des enfants \u00bb, men\u00e9e en juin 2024 aupr\u00e8s de pr\u00e8s de 700 participants, donne un aper\u00e7u du comportement d’\u00e9pargne des familles suisses : bien que deux tiers des parents d\u00e9clarent \u00e9pargner pour leurs enfants, la plupart d’entre eux n’ont pas d’objectif d’\u00e9pargne d\u00e9fini \u00e0 cet \u00e9gard.<\/span><\/p>\n

L’\u00e9pargne en soi est tr\u00e8s appr\u00e9ci\u00e9e<\/span><\/h2>\n

Heureusement, la majorit\u00e9 des familles mettent de l’argent de c\u00f4t\u00e9 : 68 % des parents \u00e9pargnent pour leurs enfants, 54 % des grands-parents pour leurs petits-enfants et 37 % des parrains et marraines \u00e9pargnent pour leurs filleuls.<\/span><\/p>\n

La m\u00e9thode d’\u00e9pargne la plus populaire est l’ordre permanent (42 %), suivi de la tirelire physique (21 %), qui est ensuite vid\u00e9e et l’argent apport\u00e9 \u00e0 la banque. L’argent y reste ensuite : 81 % laissent leurs \u00e9conomies pour leurs enfants sur leur compte bancaire jusqu’\u00e0 leurs 18 ans.<\/span><\/p>\n

Il manque des objectifs d’\u00e9pargne et des discussions<\/span><\/h2>\n

L’\u00e9pargne est appr\u00e9ci\u00e9e, mais pour la grande majorit\u00e9 des 57 %, il n’y a pas d’objectif d’\u00e9pargne d\u00e9fini. En revanche, ceux qui ont des objectifs d’\u00e9pargne sont ambitieux : Le deuxi\u00e8me groupe le plus important (15 %) a pr\u00e9vu de mettre plus de 30 000 CHF de c\u00f4t\u00e9 pour ses enfants. Il semble que l’on en parle peu : seuls 35 % des personnes interrog\u00e9es indiquent que l’argent est un sujet de discussion \u00e0 la table familiale.<\/span><\/p>\n

Conclusion : un besoin de rattrapage en mati\u00e8re de finances<\/span><\/h2>\n

Les r\u00e9sultats de cette enqu\u00eate montrent clairement qu’il existe un besoin de rattrapage en mati\u00e8re de finances dans de nombreuses familles suisses. Alors que l’\u00e9pargne pour l’avenir des enfants est largement r\u00e9pandue, il manque souvent des objectifs d\u00e9finis et des discussions r\u00e9guli\u00e8res sur les th\u00e8mes de l’argent.<\/span><\/p>\n

D’autres r\u00e9sultats en d\u00e9tail:<\/span><\/p>\n

Comportement d’\u00e9pargne pour les enfants:<\/b><\/p>\n

    \n
  • 68 % des parents mettent de l’argent de c\u00f4t\u00e9 pour leurs enfants.<\/span><\/li>\n
  • 54 % des grands-parents \u00e9pargnent pour leurs petits-enfants.<\/span><\/li>\n
  • 37 % des parrains et marraines \u00e9pargnent pour leurs filleuls.<\/span><\/li>\n<\/ul>\n

    Utilisation de l’argent \u00e9pargn\u00e9:<\/b><\/p>\n

      \n
    • Pour 81 % de ceux qui \u00e9pargnent de l’argent, l’argent reste sur le compte bancaire jusqu’\u00e0 l’\u00e2ge de 18 ans.<\/span><\/li>\n
    • Le reste a plac\u00e9 l’argent ailleurs.<\/span><\/li>\n<\/ul>\n

      Objectifs d’\u00e9pargne:<\/b><\/p>\n

        \n
      • 57 % des \u00e9pargnants n’ont pas d’objectif d’\u00e9pargne d\u00e9fini.<\/span><\/li>\n
      • 5 % souhaitent \u00e9pargner environ 1 000 CHF.<\/span><\/li>\n
      • 8 % souhaitent \u00e9pargner CHF 5’000.<\/span><\/li>\n
      • 8 % souhaitent \u00e9pargner 10 000 CHF.<\/span><\/li>\n
      • 6 % souhaitent \u00e9conomiser 20 000 CHF.<\/span><\/li>\n
      • 15 % souhaitent \u00e9conomiser plus de 30 000 CHF.<\/span><\/li>\n<\/ul>\n

        M\u00e9thode d’\u00e9pargne:<\/b><\/p>\n

          \n
        • 42 % \u00e9pargnent au moyen d’un ordre permanent.<\/span><\/li>\n
        • 21 % utilisent encore la tirelire physique \u00e0 la maison et la d\u00e9posent \u00e0 la banque lorsqu’elle est pleine.<\/span><\/li>\n
        • 13 % \u00e9pargnent de mani\u00e8re irr\u00e9guli\u00e8re, quand ils y pensent.<\/span><\/li>\n<\/ul>\n

          Donn\u00e9es d\u00e9mographiques de l’enqu\u00eate:<\/b><\/p>\n

            \n
          • Le sondage \u00ab Epargner pour l’avenir des enfants \u00bb a \u00e9t\u00e9 r\u00e9alis\u00e9 aupr\u00e8s de pr\u00e8s de 700 Suisses \u00e2g\u00e9s de 18 ans et plus.<\/span><\/li>\n
          • 52 % des personnes interrog\u00e9es \u00e9taient des hommes et 47 % des femmes.<\/span><\/li>\n
          • Taille de la famille des personnes interrog\u00e9es : 18,5 % ont 1 enfant, 35,3 % ont 2 enfants, 12,3 % ont 3 enfants, 2 % ont 4 enfants et 0,9 % ont 5 enfants.\u00a0<\/span><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"

            R\u00e9sultats de notre enqu\u00eate en ligne<\/p>\n","protected":false},"author":2,"featured_media":5777,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[38],"tags":[],"class_list":["post-2685","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news-fr"],"acf":[],"yoast_head":"\nSeule une famille suisse sur trois parle d'argent - Clanq<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/clanq.ch\/fr\/seule-une-famille-suisse-sur-trois-parle-dargent\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Seule une famille suisse sur trois parle d'argent - Clanq\" \/>\n<meta property=\"og:description\" content=\"R\u00e9sultats de notre enqu\u00eate en ligne\" \/>\n<meta property=\"og:url\" content=\"https:\/\/clanq.ch\/fr\/seule-une-famille-suisse-sur-trois-parle-dargent\/\" \/>\n<meta property=\"og:site_name\" content=\"Clanq\" \/>\n<meta property=\"article:published_time\" content=\"2024-08-08T08:23:55+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-10-18T11:58:53+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/clanq.ch\/wp-content\/uploads\/2024\/08\/blog-visual.png\" \/>\n\t<meta property=\"og:image:width\" content=\"2400\" \/>\n\t<meta property=\"og:image:height\" content=\"1260\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Christina Hammer\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Christina Hammer\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/clanq.ch\\\/fr\\\/seule-une-famille-suisse-sur-trois-parle-dargent\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/clanq.ch\\\/fr\\\/seule-une-famille-suisse-sur-trois-parle-dargent\\\/\"},\"author\":{\"name\":\"Christina Hammer\",\"@id\":\"https:\\\/\\\/clanq.ch\\\/fr\\\/#\\\/schema\\\/person\\\/2b8685a0cb73b66333313eef32cbb34e\"},\"headline\":\"Seule une famille suisse sur trois parle d’argent\",\"datePublished\":\"2024-08-08T08:23:55+00:00\",\"dateModified\":\"2024-10-18T11:58:53+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/clanq.ch\\\/fr\\\/seule-une-famille-suisse-sur-trois-parle-dargent\\\/\"},\"wordCount\":493,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/clanq.ch\\\/fr\\\/seule-une-famille-suisse-sur-trois-parle-dargent\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/clanq.ch\\\/wp-content\\\/uploads\\\/2024\\\/08\\\/Nur-jede-dritte-Schweizer-Familie-redet-ueber-Geld.png\",\"articleSection\":[\"News\"],\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/clanq.ch\\\/fr\\\/seule-une-famille-suisse-sur-trois-parle-dargent\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/clanq.ch\\\/fr\\\/seule-une-famille-suisse-sur-trois-parle-dargent\\\/\",\"url\":\"https:\\\/\\\/clanq.ch\\\/fr\\\/seule-une-famille-suisse-sur-trois-parle-dargent\\\/\",\"name\":\"Seule une famille suisse sur trois parle d'argent - Clanq\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/clanq.ch\\\/fr\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/clanq.ch\\\/fr\\\/seule-une-famille-suisse-sur-trois-parle-dargent\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/clanq.ch\\\/fr\\\/seule-une-famille-suisse-sur-trois-parle-dargent\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/clanq.ch\\\/wp-content\\\/uploads\\\/2024\\\/08\\\/Nur-jede-dritte-Schweizer-Familie-redet-ueber-Geld.png\",\"datePublished\":\"2024-08-08T08:23:55+00:00\",\"dateModified\":\"2024-10-18T11:58:53+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/clanq.ch\\\/fr\\\/#\\\/schema\\\/person\\\/2b8685a0cb73b66333313eef32cbb34e\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/clanq.ch\\\/fr\\\/seule-une-famille-suisse-sur-trois-parle-dargent\\\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/clanq.ch\\\/fr\\\/seule-une-famille-suisse-sur-trois-parle-dargent\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/clanq.ch\\\/fr\\\/seule-une-famille-suisse-sur-trois-parle-dargent\\\/#primaryimage\",\"url\":\"https:\\\/\\\/clanq.ch\\\/wp-content\\\/uploads\\\/2024\\\/08\\\/Nur-jede-dritte-Schweizer-Familie-redet-ueber-Geld.png\",\"contentUrl\":\"https:\\\/\\\/clanq.ch\\\/wp-content\\\/uploads\\\/2024\\\/08\\\/Nur-jede-dritte-Schweizer-Familie-redet-ueber-Geld.png\",\"width\":1024,\"height\":630},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/clanq.ch\\\/fr\\\/seule-une-famille-suisse-sur-trois-parle-dargent\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Startseite\",\"item\":\"https:\\\/\\\/clanq.ch\\\/fr\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Seule une famille suisse sur trois parle d’argent\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/clanq.ch\\\/fr\\\/#website\",\"url\":\"https:\\\/\\\/clanq.ch\\\/fr\\\/\",\"name\":\"Clanq\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/clanq.ch\\\/fr\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/clanq.ch\\\/fr\\\/#\\\/schema\\\/person\\\/2b8685a0cb73b66333313eef32cbb34e\",\"name\":\"Christina Hammer\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/12463cfd91fc0126a5b48c22c07617300367c21c9f05b772e813d354a37dd575?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/12463cfd91fc0126a5b48c22c07617300367c21c9f05b772e813d354a37dd575?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/12463cfd91fc0126a5b48c22c07617300367c21c9f05b772e813d354a37dd575?s=96&d=mm&r=g\",\"caption\":\"Christina Hammer\"},\"description\":\"With over 30 years of experience in the financial sector, Christina knows exactly what's what. She is happy to pass on her knowledge - as a lecturer, in interviews and on Clanq's own blog.\",\"sameAs\":[\"https:\\\/\\\/www.linkedin.com\\\/in\\\/christinahammerdewall\\\/\"],\"url\":\"https:\\\/\\\/clanq.ch\\\/fr\\\/author\\\/christina_hammer\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Seule une famille suisse sur trois parle d'argent - Clanq","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/clanq.ch\/fr\/seule-une-famille-suisse-sur-trois-parle-dargent\/","og_locale":"fr_FR","og_type":"article","og_title":"Seule une famille suisse sur trois parle d'argent - Clanq","og_description":"R\u00e9sultats de notre enqu\u00eate en ligne","og_url":"https:\/\/clanq.ch\/fr\/seule-une-famille-suisse-sur-trois-parle-dargent\/","og_site_name":"Clanq","article_published_time":"2024-08-08T08:23:55+00:00","article_modified_time":"2024-10-18T11:58:53+00:00","og_image":[{"width":2400,"height":1260,"url":"https:\/\/clanq.ch\/wp-content\/uploads\/2024\/08\/blog-visual.png","type":"image\/png"}],"author":"Christina Hammer","twitter_card":"summary_large_image","twitter_misc":{"\u00c9crit par":"Christina Hammer","Dur\u00e9e de lecture estim\u00e9e":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/clanq.ch\/fr\/seule-une-famille-suisse-sur-trois-parle-dargent\/#article","isPartOf":{"@id":"https:\/\/clanq.ch\/fr\/seule-une-famille-suisse-sur-trois-parle-dargent\/"},"author":{"name":"Christina Hammer","@id":"https:\/\/clanq.ch\/fr\/#\/schema\/person\/2b8685a0cb73b66333313eef32cbb34e"},"headline":"Seule une famille suisse sur trois parle d’argent","datePublished":"2024-08-08T08:23:55+00:00","dateModified":"2024-10-18T11:58:53+00:00","mainEntityOfPage":{"@id":"https:\/\/clanq.ch\/fr\/seule-une-famille-suisse-sur-trois-parle-dargent\/"},"wordCount":493,"commentCount":0,"image":{"@id":"https:\/\/clanq.ch\/fr\/seule-une-famille-suisse-sur-trois-parle-dargent\/#primaryimage"},"thumbnailUrl":"https:\/\/clanq.ch\/wp-content\/uploads\/2024\/08\/Nur-jede-dritte-Schweizer-Familie-redet-ueber-Geld.png","articleSection":["News"],"inLanguage":"fr-FR","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/clanq.ch\/fr\/seule-une-famille-suisse-sur-trois-parle-dargent\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/clanq.ch\/fr\/seule-une-famille-suisse-sur-trois-parle-dargent\/","url":"https:\/\/clanq.ch\/fr\/seule-une-famille-suisse-sur-trois-parle-dargent\/","name":"Seule une famille suisse sur trois parle d'argent - Clanq","isPartOf":{"@id":"https:\/\/clanq.ch\/fr\/#website"},"primaryImageOfPage":{"@id":"https:\/\/clanq.ch\/fr\/seule-une-famille-suisse-sur-trois-parle-dargent\/#primaryimage"},"image":{"@id":"https:\/\/clanq.ch\/fr\/seule-une-famille-suisse-sur-trois-parle-dargent\/#primaryimage"},"thumbnailUrl":"https:\/\/clanq.ch\/wp-content\/uploads\/2024\/08\/Nur-jede-dritte-Schweizer-Familie-redet-ueber-Geld.png","datePublished":"2024-08-08T08:23:55+00:00","dateModified":"2024-10-18T11:58:53+00:00","author":{"@id":"https:\/\/clanq.ch\/fr\/#\/schema\/person\/2b8685a0cb73b66333313eef32cbb34e"},"breadcrumb":{"@id":"https:\/\/clanq.ch\/fr\/seule-une-famille-suisse-sur-trois-parle-dargent\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/clanq.ch\/fr\/seule-une-famille-suisse-sur-trois-parle-dargent\/"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/clanq.ch\/fr\/seule-une-famille-suisse-sur-trois-parle-dargent\/#primaryimage","url":"https:\/\/clanq.ch\/wp-content\/uploads\/2024\/08\/Nur-jede-dritte-Schweizer-Familie-redet-ueber-Geld.png","contentUrl":"https:\/\/clanq.ch\/wp-content\/uploads\/2024\/08\/Nur-jede-dritte-Schweizer-Familie-redet-ueber-Geld.png","width":1024,"height":630},{"@type":"BreadcrumbList","@id":"https:\/\/clanq.ch\/fr\/seule-une-famille-suisse-sur-trois-parle-dargent\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Startseite","item":"https:\/\/clanq.ch\/fr\/"},{"@type":"ListItem","position":2,"name":"Seule une famille suisse sur trois parle d’argent"}]},{"@type":"WebSite","@id":"https:\/\/clanq.ch\/fr\/#website","url":"https:\/\/clanq.ch\/fr\/","name":"Clanq","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/clanq.ch\/fr\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Person","@id":"https:\/\/clanq.ch\/fr\/#\/schema\/person\/2b8685a0cb73b66333313eef32cbb34e","name":"Christina Hammer","image":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/secure.gravatar.com\/avatar\/12463cfd91fc0126a5b48c22c07617300367c21c9f05b772e813d354a37dd575?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/12463cfd91fc0126a5b48c22c07617300367c21c9f05b772e813d354a37dd575?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/12463cfd91fc0126a5b48c22c07617300367c21c9f05b772e813d354a37dd575?s=96&d=mm&r=g","caption":"Christina Hammer"},"description":"With over 30 years of experience in the financial sector, Christina knows exactly what's what. She is happy to pass on her knowledge - as a lecturer, in interviews and on Clanq's own blog.","sameAs":["https:\/\/www.linkedin.com\/in\/christinahammerdewall\/"],"url":"https:\/\/clanq.ch\/fr\/author\/christina_hammer\/"}]}},"_links":{"self":[{"href":"https:\/\/clanq.ch\/fr\/wp-json\/wp\/v2\/posts\/2685","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/clanq.ch\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/clanq.ch\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/clanq.ch\/fr\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/clanq.ch\/fr\/wp-json\/wp\/v2\/comments?post=2685"}],"version-history":[{"count":2,"href":"https:\/\/clanq.ch\/fr\/wp-json\/wp\/v2\/posts\/2685\/revisions"}],"predecessor-version":[{"id":2698,"href":"https:\/\/clanq.ch\/fr\/wp-json\/wp\/v2\/posts\/2685\/revisions\/2698"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/clanq.ch\/fr\/wp-json\/wp\/v2\/media\/5777"}],"wp:attachment":[{"href":"https:\/\/clanq.ch\/fr\/wp-json\/wp\/v2\/media?parent=2685"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/clanq.ch\/fr\/wp-json\/wp\/v2\/categories?post=2685"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/clanq.ch\/fr\/wp-json\/wp\/v2\/tags?post=2685"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}