reglab/housing_qa huggingface dataset:
TX Ins Code § 4152.209 (2021)
2021 Texas Statutes|Insurance Code|Title 13 - Regulation of Professionals|Subtitle D - Other Professionals|Chapter 4152 - Reinsurance Intermediaries|Subchapter E. Requirements Relating to Managers|Section 4152.209. Payment of Interim Profits

Sec. 4152.209.  PAYMENT OF INTERIM PROFITS.  If a contract entered into under Section 4152.201 provides for the sharing of interim profits by the manager, interim profits may not be paid until:(1)  the first anniversary of the end of each underwriting period for property business, the fifth anniversary of the end of each underwriting period for casualty business, or the expiration of the period set by the executive director for those or other specified kinds of insurance;  and(2)  the adequacy of reserves on remaining claims has been verified under Section 4152.213.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 7, eff. April 1, 2005.|
TX Ins Code § 4152.210 (2021)
2021 Texas Statutes|Insurance Code|Title 13 - Regulation of Professionals|Subtitle D - Other Professionals|Chapter 4152 - Reinsurance Intermediaries|Subchapter E. Requirements Relating to Managers|Section 4152.210. Audited Statement of Manager's Financial Condition

Sec. 4152.210.  AUDITED STATEMENT OF MANAGER'S FINANCIAL CONDITION.  (a)  A manager shall provide annually to each insurer and reinsurer with whom the manager transacts business an audited statement of the manager's financial condition.(b)  The statement must be prepared by an independent certified public accountant in a form acceptable to the commissioner.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 7, eff. April 1, 2005.|
TX Ins Code § 4152.211 (2021)
2021 Texas Statutes|Insurance Code|Title 13 - Regulation of Professionals|Subtitle D - Other Professionals|Chapter 4152 - Reinsurance Intermediaries|Subchapter E. Requirements Relating to Managers|Section 4152.211. Disclosure of Relationships With Other Insurers

Sec. 4152.211.  DISCLOSURE OF RELATIONSHIPS WITH OTHER INSURERS.  Before ceding or assuming any business on behalf of an insurer under a contract entered into under Section 4152.201, a manager shall disclose to the insurer any relationship the manager has with another insurer.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 7, eff. April 1, 2005.|
TX Ins Code § 4152.212 (2021)
2021 Texas Statutes|Insurance Code|Title 13 - Regulation of Professionals|Subtitle D - Other Professionals|Chapter 4152 - Reinsurance Intermediaries|Subchapter E. Requirements Relating to Managers|Section 4152.212. Acts of Manager Considered Acts of Insurer

Sec. 4152.212.  ACTS OF MANAGER CONSIDERED ACTS OF INSURER.  The acts of a manager are considered to be the acts of the insurer on whose behalf the manager is acting.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 7, eff. April 1, 2005.|
TX Ins Code § 4152.213 (2021)
2021 Texas Statutes|Insurance Code|Title 13 - Regulation of Professionals|Subtitle D - Other Professionals|Chapter 4152 - Reinsurance Intermediaries|Subchapter E. Requirements Relating to Managers|Section 4152.213. Actuary's Opinion on Adequacy of Loss Reserves

Sec. 4152.213.  ACTUARY'S OPINION ON ADEQUACY OF LOSS RESERVES.  In addition to any other required loss reserve certification, a manager who establishes loss reserves shall provide annually, or more frequently as required by other law, an opinion from an actuary attesting to the adequacy of the loss reserves established for losses incurred and outstanding on business produced by the manager.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 7, eff. April 1, 2005.|
TX Ins Code § 4152.214 (2021)
2021 Texas Statutes|Insurance Code|Title 13 - Regulation of Professionals|Subtitle D - Other Professionals|Chapter 4152 - Reinsurance Intermediaries|Subchapter E. Requirements Relating to Managers|Section 4152.214. Placement of Reinsurance With Unauthorized Reinsurer

Sec. 4152.214.  PLACEMENT OF REINSURANCE WITH UNAUTHORIZED REINSURER.  (a)  Unless the ceding insurer releases the manager in writing from the manager's obligations under this section, a manager who places reinsurance on behalf of an authorized ceding insurer with a reinsurer that is not authorized, accredited, or trusteed in this state under Chapter 493 shall:(1)  exercise due diligence in inquiring into the financial condition of the reinsurer;(2)  disclose to the ceding insurer the manager's findings in connection with the inquiry under Subdivision (1); and(3)  make available to the ceding insurer a copy of the current financial statement of the reinsurer.(b)  A ceding insurer that releases a manager from the manager's obligations under Subsection (a) assumes those obligations.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 7, eff. April 1, 2005.Amended by: Acts 2007, 80th Leg., R.S., Ch. 730 (H.B. 2636), Sec. 2J.007, eff. April 1, 2009.Acts 2017, 85th Leg., R.S., Ch. 594 (S.B. 1070), Sec. 3.15, eff. September 1, 2017.|
TX Ins Code § 4152.215 (2021)
2021 Texas Statutes|Insurance Code|Title 13 - Regulation of Professionals|Subtitle D - Other Professionals|Chapter 4152 - Reinsurance Intermediaries|Subchapter E. Requirements Relating to Managers|Section 4152.215. Prohibitions

Sec. 4152.215.  PROHIBITIONS.  (a)  A reinsurance intermediary acting as a manager may not:(1)  bind retrocessions on behalf of an insurer, except that the manager may bind facultative retrocessions under obligatory retrocessional agreements if the contract entered into with the insurer under Section 4152.201 contains reinsurance underwriting guidelines for those retrocessions that include:(A)  a list of reinsurers with whom those automatic agreements are in effect;  and(B)  for each reinsurer:(i)  the coverages and amounts or percentages that may be reinsured;  and(ii)  commission schedules;(2)  commit an insurer to participate in a reinsurance syndicate;(3)  appoint or contract with a broker without ensuring that the broker is qualified to act as a manager under this chapter;(4)  without prior approval of the insurer, pay or commit an insurer to pay a claim that exceeds the lesser of:(A)  an amount specified by the insurer;  or(B)  one percent of the insurer's policyholders' surplus as of December 31 of the last complete calendar year;  or(5)  collect a payment from a retrocessionaire or commit an insurer to a claim settlement with a retrocessionaire without prior approval of the insurer.(b)  If prior approval is given as provided by Subsection (a)(5), a report must be forwarded to the reinsurer as provided by Section 4152.203.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 7, eff. April 1, 2005.|
TX Ins Code § 4152.216 (2021)
2021 Texas Statutes|Insurance Code|Title 13 - Regulation of Professionals|Subtitle D - Other Professionals|Chapter 4152 - Reinsurance Intermediaries|Subchapter E. Requirements Relating to Managers|Section 4152.216. Employment of Person by Insurer and Manager

Sec. 4152.216.  EMPLOYMENT OF PERSON BY INSURER AND MANAGER.  A person may not be employed by an insurer and a manager with whom the insurer transacts business unless the manager is:(1)  under common control with the insurer;  and(2)  subject to Chapter 823.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 7, eff. April 1, 2005.|
TX Ins Code § 4152.251 (2021)
2021 Texas Statutes|Insurance Code|Title 13 - Regulation of Professionals|Subtitle D - Other Professionals|Chapter 4152 - Reinsurance Intermediaries|Subchapter F. Requirements Relating to Insurers|Section 4152.251. Engagement of Services of Unlicensed Broker or Manager

Sec. 4152.251.  ENGAGEMENT OF SERVICES OF UNLICENSED BROKER OR MANAGER.  (a)  Except as provided by Subsection (b), an insurer may not engage the services of a person to act as a broker or manager on the insurer's behalf unless the person holds a license if required by Section 4152.051.(b)  An insurer, or an employee, attorney, or actuary of an insurer, may negotiate and obtain reinsurance for that insurer without holding a broker or manager license or without using the services of a broker or manager if that insurer, employee, attorney, or actuary does not otherwise hold the person out as a broker or manager or perform the duties or provide the services of a broker or manager.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 7, eff. April 1, 2005.|
TX Ins Code § 4152.252 (2021)
2021 Texas Statutes|Insurance Code|Title 13 - Regulation of Professionals|Subtitle D - Other Professionals|Chapter 4152 - Reinsurance Intermediaries|Subchapter F. Requirements Relating to Insurers|Section 4152.252. Audited Statement of Manager's Financial Condition

Sec. 4152.252.  AUDITED STATEMENT OF MANAGER'S FINANCIAL CONDITION.  An insurer shall obtain annually an audited statement as provided by Section 4152.210 of the financial condition of each manager with whom the insurer transacts business.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 7, eff. April 1, 2005.|
TX Ins Code § 4152.253 (2021)
2021 Texas Statutes|Insurance Code|Title 13 - Regulation of Professionals|Subtitle D - Other Professionals|Chapter 4152 - Reinsurance Intermediaries|Subchapter F. Requirements Relating to Insurers|Section 4152.253. Review of Underwriting and Claims Processing Operations

Sec. 4152.253.  REVIEW OF UNDERWRITING AND CLAIMS PROCESSING OPERATIONS.  An insurer shall conduct at least semiannually an on-site review of the underwriting and claims processing operations of a manager with whom the insurer enters into a contract under Section 4152.201.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 7, eff. April 1, 2005.|
TX Ins Code § 4152.254 (2021)
2021 Texas Statutes|Insurance Code|Title 13 - Regulation of Professionals|Subtitle D - Other Professionals|Chapter 4152 - Reinsurance Intermediaries|Subchapter F. Requirements Relating to Insurers|Section 4152.254. Authority for Retrocessional Contracts or Participation in Reinsurance Syndicates

Sec. 4152.254.  AUTHORITY FOR RETROCESSIONAL CONTRACTS OR PARTICIPATION IN REINSURANCE SYNDICATES.  Binding authority for all retrocessional contracts or participation in reinsurance syndicates rests with an officer of the insurer.  That officer may not be affiliated with a manager acting for the insurer.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 7, eff. April 1, 2005.|
TX Ins Code § 4152.255 (2021)
2021 Texas Statutes|Insurance Code|Title 13 - Regulation of Professionals|Subtitle D - Other Professionals|Chapter 4152 - Reinsurance Intermediaries|Subchapter F. Requirements Relating to Insurers|Section 4152.255. Notification of Termination of Manager's Contract

Sec. 4152.255.  NOTIFICATION OF TERMINATION OF MANAGER'S CONTRACT.  (a)  Not later than the 30th day after the date an insurer terminates a manager's contract, the insurer shall provide written notice to the commissioner of the termination, including the reasons for termination.(b)  The notice is a privileged communication and is not subject to public disclosure or admission into evidence in any proceeding.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 7, eff. April 1, 2005.|
TX Ins Code § 4152.256 (2021)
2021 Texas Statutes|Insurance Code|Title 13 - Regulation of Professionals|Subtitle D - Other Professionals|Chapter 4152 - Reinsurance Intermediaries|Subchapter F. Requirements Relating to Insurers|Section 4152.256. Appointment of Certain Persons to Board of Directors Prohibited

Sec. 4152.256.  APPOINTMENT OF CERTAIN PERSONS TO BOARD OF DIRECTORS PROHIBITED.  (a)  This section does not apply to a relationship governed by Chapter 823.(b)  An insurer may not appoint to the insurer's board of directors an officer, director, employee, controlling shareholder, or submanager of a manager acting for that insurer.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 7, eff. April 1, 2005.|
TX Ins Code § 4152.301 (2021)
2021 Texas Statutes|Insurance Code|Title 13 - Regulation of Professionals|Subtitle D - Other Professionals|Chapter 4152 - Reinsurance Intermediaries|Subchapter G. Discipline and Enforcement|Section 4152.301. Grounds for License Denial or Disciplinary Action

Sec. 4152.301.  GROUNDS FOR LICENSE DENIAL OR DISCIPLINARY ACTION.  The department may deny an application for a license or discipline a license holder under Subchapter C, Chapter 4005, if the department determines that the applicant or license holder, or a person who would be authorized to act on behalf of the applicant or license holder under Section 4152.057, has:(1)  wilfully violated or participated in the violation of this chapter or another insurance law of this state;(2)  intentionally made a material misstatement in the license application;(3)  obtained or attempted to obtain the license by fraud or misrepresentation;(4)  misappropriated, converted to the person's own use, or illegally withheld money required to be held in a fiduciary capacity;(5)  materially misrepresented the terms or effect of any contract of insurance or reinsurance, or engaged in any fraudulent transaction;  or(6)  been convicted of a felony or of a misdemeanor of which criminal fraud is an essential element.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 7, eff. April 1, 2005.|
TX Ins Code § 4152.302 (2021)
2021 Texas Statutes|Insurance Code|Title 13 - Regulation of Professionals|Subtitle D - Other Professionals|Chapter 4152 - Reinsurance Intermediaries|Subchapter G. Discipline and Enforcement|Section 4152.302. Imposition of Sanctions

Sec. 4152.302.  IMPOSITION OF SANCTIONS.  (a)  The commissioner may impose or seek any sanction authorized by law, including the penalties authorized by Chapters 82 and 83, against a reinsurance intermediary, insurer, or reinsurer who the commissioner determines, after notice and hearing as provided by this code, has violated this chapter.(b)  The commissioner may impose or seek any sanction authorized by law, including the penalties authorized by Chapter 101, against a nonlicensed reinsurance intermediary who violates this chapter.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 7, eff. April 1, 2005.|
TX Ins Code § 4153.001 (2021)
2021 Texas Statutes|Insurance Code|Title 13 - Regulation of Professionals|Subtitle D - Other Professionals|Chapter 4153 - Risk Managers|Subchapter A. General Provisions|Section 4153.001. Definition

Sec. 4153.001.  DEFINITION.  In this chapter, "risk manager" means a person who:(1)  represents to the public that the person is a risk manager;  and(2)  for compensation examines or evaluates risks for and provides advice regarding reduction of risks to a person seeking to obtain or renew property and casualty insurance coverage in this state.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 7, eff. April 1, 2005.|
TX Ins Code § 4153.002 (2021)
2021 Texas Statutes|Insurance Code|Title 13 - Regulation of Professionals|Subtitle D - Other Professionals|Chapter 4153 - Risk Managers|Subchapter A. General Provisions|Section 4153.002. Exemptions

Sec. 4153.002.  EXEMPTIONS.  This chapter does not apply to a person who is employed as a risk manager by:(1)  a liability insurance company authorized to engage in business in this state;(2)  a single employer;  or(3)  a public self-insurance pool.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 7, eff. April 1, 2005.|
TX Ins Code § 4153.003 (2021)
2021 Texas Statutes|Insurance Code|Title 13 - Regulation of Professionals|Subtitle D - Other Professionals|Chapter 4153 - Risk Managers|Subchapter A. General Provisions|Section 4153.003. Rules

Sec. 4153.003.  RULES.  The commissioner may adopt rules necessary to carry out this chapter and to regulate risk managers.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 7, eff. April 1, 2005.|
TX Ins Code § 4153.051 (2021)
2021 Texas Statutes|Insurance Code|Title 13 - Regulation of Professionals|Subtitle D - Other Professionals|Chapter 4153 - Risk Managers|Subchapter B. License Requirements|Section 4153.051. License Required

Sec. 4153.051.  LICENSE REQUIRED.  A person may not act as or represent that the person is a risk manager in this state unless the person:(1)  meets the requirements prescribed by this chapter and department rules;  and(2)  holds a license issued by the department.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 7, eff. April 1, 2005.|
TX Ins Code § 4153.052 (2021)
2021 Texas Statutes|Insurance Code|Title 13 - Regulation of Professionals|Subtitle D - Other Professionals|Chapter 4153 - Risk Managers|Subchapter B. License Requirements|Section 4153.052. Application

Sec. 4153.052.  APPLICATION.  (a)  To obtain a license to act as a risk manager in this state, an applicant must submit to the department an application on forms prescribed by the commissioner and provided by the department.(b)  An application must be accompanied by the license fee required by Section 4153.057 and include:(1)  information the department requires relating to the applicant's identity, personal history, experience, and business record;  and(2)  any other information the department requires.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 7, eff. April 1, 2005.|
TX Ins Code § 4153.053 (2021)
2021 Texas Statutes|Insurance Code|Title 13 - Regulation of Professionals|Subtitle D - Other Professionals|Chapter 4153 - Risk Managers|Subchapter B. License Requirements|Section 4153.053. Qualifications

Sec. 4153.053.  QUALIFICATIONS.  To qualify for a risk manager's license, an applicant must:(1)  be at least 18 years of age;(2)  maintain a place of business in this state;(3)  meet the application requirements prescribed by this chapter and department rules;(4)  take and pass the examination required by this chapter;  and(5)  pay the examination and license fees.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 7, eff. April 1, 2005.|
TX Ins Code § 4153.054 (2021)
2021 Texas Statutes|Insurance Code|Title 13 - Regulation of Professionals|Subtitle D - Other Professionals|Chapter 4153 - Risk Managers|Subchapter B. License Requirements|Section 4153.054. Examination

Sec. 4153.054.  EXAMINATION.  (a)  Except as provided by Sections 4153.055 and 4153.058, an applicant for a risk manager's license must personally take and pass an examination to the satisfaction of the commissioner under this chapter and department rules.(b)  The commissioner shall prescribe the examination for a risk manager's license.  The examination must:(1)  be designed to test the qualifications and competency of the applicant to be a risk manager;  and(2)  be of sufficient scope to reasonably test the applicant's knowledge of risk management and the duties and responsibilities of a risk manager under the laws of this state and department rules.(c)  The department shall:(1)  determine the times and places for examinations;  and(2)  give reasonable public notice of the examinations in the manner provided by department rules.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 7, eff. April 1, 2005.|
TX Ins Code § 4153.055 (2021)
2021 Texas Statutes|Insurance Code|Title 13 - Regulation of Professionals|Subtitle D - Other Professionals|Chapter 4153 - Risk Managers|Subchapter B. License Requirements|Section 4153.055. Exemptions From Examination and Continuing Education Requirement

Sec. 4153.055.  EXEMPTIONS FROM EXAMINATION AND CONTINUING EDUCATION REQUIREMENT.  (a) An applicant is not required to take an examination to obtain a risk manager's license if the applicant holds the designation of:(1)  chartered property casualty underwriter (CPCU) from the American Institute for Chartered Property Casualty Underwriters;(2)  certified insurance counselor (CIC) from the national Society of Certified Insurance Counselors;(3)  associate in risk management (ARM) from the Insurance Institute of America; or(4)  Certified Risk Manager (CRM) from The National Alliance for Insurance Education & Research.(b)  A license holder who has held a designation described by Subsection (a)(2), (3), or (4) for a period of not less than 30 years is exempt from continuing education requirements established under this title.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 7, eff. April 1, 2005.Amended by: Acts 2015, 84th Leg., R.S., Ch. 1172 (S.B. 876), Sec. 21, eff. September 1, 2015.|
TX Ins Code § 4153.056 (2021)
2021 Texas Statutes|Insurance Code|Title 13 - Regulation of Professionals|Subtitle D - Other Professionals|Chapter 4153 - Risk Managers|Subchapter B. License Requirements|Section 4153.056. Reexamination

Sec. 4153.056.  REEXAMINATION.  (a)  An applicant who fails the examination may retake the examination on payment of an additional examination fee.(b)  The commissioner may require the applicant to wait for a reasonable period determined by the commissioner before the applicant may retake the examination.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 7, eff. April 1, 2005.|
TX Ins Code § 4153.057 (2021)
2021 Texas Statutes|Insurance Code|Title 13 - Regulation of Professionals|Subtitle D - Other Professionals|Chapter 4153 - Risk Managers|Subchapter B. License Requirements|Section 4153.057. Fees

Sec. 4153.057.  FEES.  (a)  The commissioner shall set and collect in advance a nonrefundable fee, in an amount not to exceed $50, for:(1)  an examination required by this chapter if the department administers the examination;(2)  a risk manager's license;  and(3)  the renewal of a risk manager's license.(b)  A fee collected under this section shall be deposited to the credit of the Texas Department of Insurance operating account.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 7, eff. April 1, 2005.|
TX Ins Code § 4153.058 (2021)
2021 Texas Statutes|Insurance Code|Title 13 - Regulation of Professionals|Subtitle D - Other Professionals|Chapter 4153 - Risk Managers|Subchapter B. License Requirements|Section 4153.058. Reciprocal License

Sec. 4153.058.  RECIPROCAL LICENSE.  On submission of an application and the license fee required by Section 4153.057, a person may receive a risk manager's license without examination if the person is licensed as a risk manager by another state, the licensing requirements of which were, on the date the license was issued, substantially equivalent to the requirements prescribed by this chapter.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 7, eff. April 1, 2005.|
TX Ins Code § 4153.059 (2021)
2021 Texas Statutes|Insurance Code|Title 13 - Regulation of Professionals|Subtitle D - Other Professionals|Chapter 4153 - Risk Managers|Subchapter B. License Requirements|Section 4153.059. License Expiration

Sec. 4153.059.  LICENSE EXPIRATION.  Except as otherwise provided by a staggered renewal system adopted under Section 4003.002, a risk manager's license expires on the second anniversary of the date the license was issued.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 7, eff. April 1, 2005.|
TX Ins Code § 4153.060 (2021)
2021 Texas Statutes|Insurance Code|Title 13 - Regulation of Professionals|Subtitle D - Other Professionals|Chapter 4153 - Risk Managers|Subchapter B. License Requirements|Section 4153.060. License Renewal

Sec. 4153.060.  LICENSE RENEWAL.  (a)  A license holder may renew an unexpired license by:(1)  filing with the department a completed renewal application;  and(2)  paying the nonrefundable renewal fee.(b)  The commissioner shall issue a renewal certificate to the license holder if the commissioner determines the license holder continues to be eligible for the license.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 7, eff. April 1, 2005.|
TX Ins Code § 4153.101 (2021)
2021 Texas Statutes|Insurance Code|Title 13 - Regulation of Professionals|Subtitle D - Other Professionals|Chapter 4153 - Risk Managers|Subchapter C. Powers and Duties of Risk Managers|Section 4153.101. Place of Business

Sec. 4153.101.  PLACE OF BUSINESS.  A license holder shall maintain a place of business in this state that is:(1)  accessible to the public;  and(2)  located at the place at which the license holder principally conducts business.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 7, eff. April 1, 2005.|
TX Ins Code § 4153.102 (2021)
2021 Texas Statutes|Insurance Code|Title 13 - Regulation of Professionals|Subtitle D - Other Professionals|Chapter 4153 - Risk Managers|Subchapter C. Powers and Duties of Risk Managers|Section 4153.102. Notification of Change of Place of Business

Sec. 4153.102.  NOTIFICATION OF CHANGE OF PLACE OF BUSINESS.  A license holder who changes the address of the license holder's place of business from the address that appears on the license shall notify the department of that change as provided by department rules.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 7, eff. April 1, 2005.|