{"url":"https://nivawealth.com/firms/family-legacy-financial-solutions-314351","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/314351","regulatoryAum":174530000,"crd":"314351","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"7884725","suffix":null,"lastName":"BUDZIK","firstName":"ZACKARY","middleName":"T"},{"crd":"6645163","suffix":null,"lastName":"Iglehart","firstName":"Todd","middleName":"Russell"},{"crd":"8236174","suffix":null,"lastName":"Knowles","firstName":"Avery","middleName":"Zoe"},{"crd":"8356074","suffix":null,"lastName":"Stent","firstName":"Edward","middleName":null},{"crd":"6066642","suffix":null,"lastName":"STUBBOLO","firstName":"JOSHUA","middleName":"ANTHONY"}],"total":5,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2025-05-08","regulatoryAum":140000000,"clients":345,"employees":4,"offices":1},{"filedOn":"2026-03-10","regulatoryAum":174530000,"clients":315,"employees":7,"offices":1}],"secFileNumber":"801-132388","legalName":"Family Legacy Financial Solutions, LLC","displayName":"Family Legacy Financial Solutions","slug":"family-legacy-financial-solutions-314351","website":"https://familylegacync.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"xUrl":"https://x.com/FamilyLegacyNC","founded":null,"organization":"North Carolina limited liability company","fiscalYearEnd":"December","headquarters":{"street":"6501 Weston Pkwy, Suite #300","city":"Cary","state":"NC","stateName":"North Carolina","country":"United States","postalCode":"27513"},"tradeNames":[],"registration":{"secApproved":"11 April 2025","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":554063.4920634921,"staff":{"employees":7,"advisory":5,"brokerDealerReps":0,"insuranceAgents":3,"promoters":0},"aum":{"regulatory":174530000,"discretionary":173530000,"discretionaryAccounts":800,"nonDiscretionary":1000000,"nonDiscretionaryAccounts":6,"wrapProgram":170530000,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":260,"regulatoryAum":24530000},{"label":"High-net-worth individuals","clients":55,"regulatoryAum":150000000}],"feePrograms":[{"role":"other","program":"Held-Away Account Management","summary":"Management of held-away accounts is billed at a variable rate of 0.25% to 0.75% a year, invoiced separately and paid quarterly in advance.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1016678","versionId":1016678,"submittedOn":"2026-03-10","documentName":"ADV 2A - FIRM DISCLOSURE BROCHURE WITH APPENDIX-1"},{"role":"other","program":"Stand-Alone Financial Planning","summary":"Stand-alone financial planning is a fixed fee with a typical minimum charge of $5,000, negotiable, and waived for new clients with over $1,000,000 managed.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1016678","versionId":1016678,"submittedOn":"2026-03-10","documentName":"ADV 2A - FIRM DISCLOSURE BROCHURE WITH APPENDIX-1"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed_no_numerical_schedule","checkedAt":"2026-10-22T16:58:35.148375+00:00","documents":[{"name":"ADV 2A - FIRM DISCLOSURE BROCHURE WITH APPENDIX-1","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1016678","versionId":1016678,"submittedOn":"2026-03-10"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"San Francisco, CA","smaAssets":174530000}],"custodyNote":"Family Legacy Financial Solutions does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Todd Iglehart","title":"Managing Member and Chief Compliance Officer","crd":"6645163"},{"name":"Joshua Stubbolo","title":"Managing Member","crd":"6066642"}],"ownership":[{"label":"Joshua Stubbolo","detail":"Managing member in the 50% to 75% ownership band and a control person, since April 2021."},{"label":"Todd Iglehart","detail":"Managing member and chief compliance officer in the 50% to 75% ownership band and a control person, since May 2021."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"North Carolina","offices":1,"addresses":[{"street":"6501 Weston Pkwy, Suite #300","city":"Cary","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"919-379-9000","stateRegisteredReps":5,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Publication of periodicals or newsletters","Educational seminars/workshops","Other"],"financialPlanningClients":"251-500","assetMix":[{"label":"Exchange-traded equity securities","percent":68},{"label":"U.S. government/agency bonds","percent":5},{"label":"Securities issued by registered investment companies or business development companies","percent":24},{"label":"Cash and cash equivalents","percent":3}],"privateFunds":0},"sources":{"adv1FilingDate":"10 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/314351/PDF/314351.pdf","brochureDate":"10 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1016678","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does Family Legacy Financial Solutions have?","answer":"Family Legacy Financial Solutions has 315 clients and manages $175 million for them, as of March 2026. They include 260 individual clients and 55 high-net-worth individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 10 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Family Legacy Financial Solutions offer?","answer":"Family Legacy Financial Solutions provides financial planning, portfolio management for individuals and small businesses, publishing newsletters, and educational seminars.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Which custodians does Family Legacy Financial Solutions use?","answer":"Family Legacy Financial Solutions’ separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $175M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 10 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Family Legacy Financial Solutions have?","answer":"Family Legacy Financial Solutions has 5 investment adviser representatives registered with state securities authorities, out of 7 employees, and 5 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 3 employees are licensed insurance agents.","source":"Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Family Legacy Financial Solutions invest in?","answer":"At the end of its last fiscal year, Family Legacy Financial Solutions’ separately managed accounts held 68% exchange-traded equities, 24% registered funds (mutual funds, ETFs, BDCs), 5% U.S. government and agency bonds and 3% cash and equivalents.","source":"Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Family Legacy Financial Solutions?","answer":"Family Legacy Financial Solutions’ direct owners are Joshua Stubbolo (50% to 75%) and Todd Iglehart (50% to 75%).","source":"Form ADV Part 1A, Schedules A and B, filed 10 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Family Legacy Financial Solutions get paid?","answer":"Family Legacy Financial Solutions is paid through a percentage of assets under management and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.","source":"Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Family Legacy Financial Solutions?","answer":"Family Legacy Financial Solutions’ main office is at 6501 Weston Pkwy, Suite #300, Cary, NC 27513. Its phone number is 919-379-9000. Its website is familylegacync.com.","source":"Form ADV Part 1A, Item 1.F, filed 10 March 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":{"url":"https://nivawealth.com/firms/family-legacy-financial-solutions-314351/holdings","form":"13F-HR","periodOfReport":"2026-06-30","filedOn":"2026-07-14","filingIndexUrl":"https://www.sec.gov/Archives/edgar/data/2076068/000207606826000003/0002076068-26-000003-index.html","totalValue":164004780,"positionCount":65,"top10Share":0.7319336363245023,"top10":[{"issuer":"ADVANCED MICRO DEVICES I","titleOfClass":"COM","cusip":"007903107","value":30944923,"shares":59760,"shareType":"SH","priorValue":12156977,"priorShares":59760},{"issuer":"SCHWAB U.S. LARGE-CAP ETF","titleOfClass":"COM","cusip":"808524201","value":22356368,"shares":759646,"shareType":"SH","priorValue":18744270,"priorShares":725397},{"issuer":"SCHWAB U.S. MID-CAP ETF","titleOfClass":"COM","cusip":"808524508","value":13420465,"shares":363994,"shareType":"SH","priorValue":9928858,"priorShares":317723},{"issuer":"ISHARES 0-5 YEAR TIPS BOND ETF","titleOfClass":"COM","cusip":"46429B747","value":11736395,"shares":114882,"shareType":"SH","priorValue":6870585,"priorShares":66627},{"issuer":"ELI LILLY & CO","titleOfClass":"COM","cusip":"532457108","value":10101401,"shares":8341,"shareType":"SH","priorValue":8270423,"priorShares":8664},{"issuer":"SCHWAB U.S. SMALL-CAP ETF","titleOfClass":"COM","cusip":"808524607","value":8199184,"shares":226936,"shareType":"SH","priorValue":6373064,"priorShares":217140},{"issuer":"WISDOMTREE FLOATING RATE TREASURY FUND","titleOfClass":"COM","cusip":"97717Y527","value":7637190,"shares":151682,"shareType":"SH","priorValue":10605986,"priorShares":210687},{"issuer":"REVVITY INC","titleOfClass":"COM","cusip":"714046109","value":6166702,"shares":54208,"shareType":"SH","priorValue":4749163,"priorShares":54208},{"issuer":"SCHWAB INTERNATIONAL EQUITY ETF","titleOfClass":"COM","cusip":"808524805","value":4791026,"shares":172961,"shareType":"SH","priorValue":3691835,"priorShares":146851},{"issuer":"INVESCO NASDAQ 100 ETF","titleOfClass":"COM","cusip":"46138G649","value":4686961,"shares":15470,"shareType":"SH","priorValue":2866632,"priorShares":11916}],"positionsListed":65,"positions":[{"issuer":"ADVANCED MICRO DEVICES I","titleOfClass":"COM","cusip":"007903107","value":30944923,"shares":59760,"shareType":"SH","priorValue":12156977,"priorShares":59760},{"issuer":"SCHWAB U.S. LARGE-CAP ETF","titleOfClass":"COM","cusip":"808524201","value":22356368,"shares":759646,"shareType":"SH","priorValue":18744270,"priorShares":725397},{"issuer":"SCHWAB U.S. MID-CAP ETF","titleOfClass":"COM","cusip":"808524508","value":13420465,"shares":363994,"shareType":"SH","priorValue":9928858,"priorShares":317723},{"issuer":"ISHARES 0-5 YEAR TIPS BOND ETF","titleOfClass":"COM","cusip":"46429B747","value":11736395,"shares":114882,"shareType":"SH","priorValue":6870585,"priorShares":66627},{"issuer":"ELI LILLY & CO","titleOfClass":"COM","cusip":"532457108","value":10101401,"shares":8341,"shareType":"SH","priorValue":8270423,"priorShares":8664},{"issuer":"SCHWAB U.S. SMALL-CAP ETF","titleOfClass":"COM","cusip":"808524607","value":8199184,"shares":226936,"shareType":"SH","priorValue":6373064,"priorShares":217140},{"issuer":"WISDOMTREE FLOATING RATE TREASURY FUND","titleOfClass":"COM","cusip":"97717Y527","value":7637190,"shares":151682,"shareType":"SH","priorValue":10605986,"priorShares":210687},{"issuer":"REVVITY INC","titleOfClass":"COM","cusip":"714046109","value":6166702,"shares":54208,"shareType":"SH","priorValue":4749163,"priorShares":54208},{"issuer":"SCHWAB INTERNATIONAL EQUITY ETF","titleOfClass":"COM","cusip":"808524805","value":4791026,"shares":172961,"shareType":"SH","priorValue":3691835,"priorShares":146851},{"issuer":"INVESCO NASDAQ 100 ETF","titleOfClass":"COM","cusip":"46138G649","value":4686961,"shares":15470,"shareType":"SH","priorValue":2866632,"priorShares":11916},{"issuer":"DANAHER CORP","titleOfClass":"COM","cusip":"235851102","value":4554171,"shares":23009,"shareType":"SH","priorValue":4362506,"priorShares":23009},{"issuer":"STRYKER CORP","titleOfClass":"COM","cusip":"863667101","value":3574307,"shares":10946,"shareType":"SH","priorValue":3596746,"priorShares":10946},{"issuer":"PALO ALTO NETWORKS INC","titleOfClass":"COM","cusip":"697435105","value":3570776,"shares":10430,"shareType":"SH","priorValue":4036180,"priorShares":25120},{"issuer":"NVIDIA CORPORATION","titleOfClass":"COM","cusip":"67066G104","value":3035291,"shares":15170,"shareType":"SH","priorValue":2759257,"priorShares":15699},{"issuer":"MARVELL TECHNOLOGY INC","titleOfClass":"COM","cusip":"573874104","value":2571317,"shares":9176,"shareType":"SH","priorValue":1369885,"priorShares":12837},{"issuer":"WASTE MGMT INC DEL","titleOfClass":"COM","cusip":"94106L109","value":1771886,"shares":7950,"shareType":"SH","priorValue":1799095,"priorShares":7788},{"issuer":"COSTCO WHOLESALE CORPORATION","titleOfClass":"COM","cusip":"22160K105","value":1738812,"shares":1859,"shareType":"SH","priorValue":1316915,"priorShares":1321},{"issuer":"DOVER CORP","titleOfClass":"COM","cusip":"260003108","value":1653650,"shares":7373,"shareType":"SH","priorValue":1499810,"priorShares":7234},{"issuer":"MICROSOFT CORP","titleOfClass":"COM","cusip":"594918104","value":1629494,"shares":4368,"shareType":"SH","priorValue":1524550,"priorShares":4127},{"issuer":"META PLATFORMS INC","titleOfClass":"CL A","cusip":"30303M102","value":1369265,"shares":2431,"shareType":"SH","priorValue":1489706,"priorShares":2571},{"issuer":"ANALOG DEVICES INC","titleOfClass":"COM","cusip":"032654105","value":1290642,"shares":3422,"shareType":"SH","priorValue":2075187,"priorShares":9184},{"issuer":"INNOVATOR EQUITY DEFINED PROTECTION ETF - 1 YR APRIL","titleOfClass":"COM","cusip":"45784N726","value":949716,"shares":35650,"shareType":"SH","priorValue":961785,"priorShares":36850},{"issuer":"SAP SE","titleOfClass":"ORDF","cusip":"803054204","value":933567,"shares":5762,"shareType":"SH"},{"issuer":"VERTIV HOLDINGS CO","titleOfClass":"CL A","cusip":"92537N108","value":888453,"shares":2654,"shareType":"SH","priorValue":269558,"priorShares":529519},{"issuer":"CUMMINS INC","titleOfClass":"COM","cusip":"231021106","value":882642,"shares":1238,"shareType":"SH","priorValue":768576,"priorShares":1397},{"issuer":"CARRIER GLOBAL CORPORATION","titleOfClass":"COM","cusip":"14448C104","value":787984,"shares":10743,"shareType":"SH","priorValue":1059475,"priorShares":18619},{"issuer":"ALPHABET INC CAP STK CL C","titleOfClass":"COM","cusip":"02079K107","value":771455,"shares":2183,"shareType":"SH"},{"issuer":"FORTIVE CORP","titleOfClass":"DISC","cusip":"34959J108","value":720788,"shares":11505,"shareType":"SH","priorValue":877784,"priorShares":13860},{"issuer":"VERALTO CORP","titleOfClass":"COM","cusip":"92338C103","value":709766,"shares":7669,"shareType":"SH","priorValue":733177,"priorShares":8325},{"issuer":"TESLA INC","titleOfClass":"COM","cusip":"88160R101","value":677967,"shares":1670,"shareType":"SH","priorValue":921886,"priorShares":2418},{"issuer":"STATE STREET SPDR S&P 500 ETF","titleOfClass":"COM","cusip":"78462F103","value":638235,"shares":855,"shareType":"SH","priorValue":698834,"priorShares":1066},{"issuer":"LUMENTUM HLDGS INC","titleOfClass":"COM","cusip":"55024U109","value":607419,"shares":834,"shareType":"SH"},{"issuer":"ISHARES CORE S&P 500 ETF","titleOfClass":"COM","cusip":"464287200","value":593239,"shares":792,"shareType":"SH","priorValue":521288,"priorShares":792},{"issuer":"GE VERNOVA INC","titleOfClass":"COM","cusip":"36828A101","value":586255,"shares":499,"shareType":"SH"},{"issuer":"QNITY ELECTRONICS INC","titleOfClass":"COM","cusip":"74743L100","value":531079,"shares":3252,"shareType":"SH"},{"issuer":"LINDE PLC","titleOfClass":"SHS","cusip":"G54950103","value":505204,"shares":974,"shareType":"SH","priorValue":296063,"priorShares":599},{"issuer":"APPLE INC","titleOfClass":"COM","cusip":"037833100","value":492637,"shares":1703,"shareType":"SH","priorValue":443889,"priorShares":1736},{"issuer":"INNOVATOR U.S. EQUITY ULTRA BUFFER ETF - DECEMBER","titleOfClass":"COM","cusip":"45782C532","value":462649,"shares":11100,"shareType":"SH","priorValue":542100,"priorShares":13900},{"issuer":"ISHARES CORE S&P U.S. GROWTH ETF","titleOfClass":"COM","cusip":"464287671","value":411471,"shares":2188,"shareType":"SH","priorValue":354575,"priorShares":2255},{"issuer":"ABBVIE INC","titleOfClass":"COM","cusip":"00287Y109","value":394437,"shares":1567,"shareType":"SH","priorValue":336853,"priorShares":1566},{"issuer":"REDDIT INC","titleOfClass":"CL A","cusip":"75734B100","value":359311,"shares":2070,"shareType":"SH","priorValue":323564,"priorShares":2376},{"issuer":"DOXIMITY INC","titleOfClass":"CL A","cusip":"26622P107","value":357889,"shares":17256,"shareType":"SH","priorValue":1319071,"priorShares":57526},{"issuer":"BERKSHIRE HATHAWAY INC DEL","titleOfClass":"CL B NEW","cusip":"084670702","value":325254,"shares":650,"shareType":"SH","priorValue":311025,"priorShares":650},{"issuer":"RALLIANT CORP","titleOfClass":"COM","cusip":"750940108","value":262161,"shares":3835,"shareType":"SH"},{"issuer":"INNOVATOR EQUITY DEFINED PROTECTION ETF - 1 YR JUNE","titleOfClass":"COM","cusip":"45784N643","value":246555,"shares":9000,"shareType":"SH","priorValue":242640,"priorShares":9000},{"issuer":"BIO-TECHNE CORP","titleOfClass":"COM","cusip":"09073M104","value":237989,"shares":3360,"shareType":"SH"},{"issuer":"ABBOTT LABS","titleOfClass":"COM","cusip":"002824100","value":224667,"shares":2355,"shareType":"SH"},{"issuer":"DOMINION ENERGY INC","titleOfClass":"COM","cusip":"25746U109","value":213099,"shares":3120,"shareType":"SH","priorValue":923609,"priorShares":14884},{"issuer":"ARM HOLDINGS PLC","titleOfClass":"SPONSORED ADS","cusip":"042068205","value":212742,"shares":600,"shareType":"SH"},{"issuer":"ISHARES RUSSELL 2000 ETF","titleOfClass":"COM","cusip":"464287655","value":176749,"shares":588,"shareType":"SH"},{"issuer":"AMAZON COM INC","titleOfClass":"COM","cusip":"023135106","value":169936,"shares":713,"shareType":"SH"},{"issuer":"CONSOLIDATED EDISON INC","titleOfClass":"COM","cusip":"209115104","value":164128,"shares":1484,"shareType":"SH","priorValue":274299,"priorShares":2408},{"issuer":"EVERPURE INC","titleOfClass":"CL A","cusip":"74624M102","value":160732,"shares":2040,"shareType":"SH"},{"issuer":"VANGUARD S&P 500 ETF","titleOfClass":"COM","cusip":"922908363","value":160702,"shares":234,"shareType":"SH"},{"issuer":"GARMIN LTD","titleOfClass":"SHS","cusip":"H2906T109","value":157304,"shares":662,"shareType":"SH"},{"issuer":"DUKE ENERGY CORP NEW","titleOfClass":"COM NEW","cusip":"26441C204","value":155914,"shares":1232,"shareType":"SH","priorValue":234042,"priorShares":1787},{"issuer":"BUILDERS FIRSTSOURCE INC","titleOfClass":"COM","cusip":"12008R107","value":142810,"shares":1596,"shareType":"SH"},{"issuer":"STATE STREET HEALTH CARE SELECT SECTOR SPDR ETF","titleOfClass":"COM","cusip":"81369Y209","value":135205,"shares":852,"shareType":"SH"},{"issuer":"DEFIANCE LARGE CAP EX-MAG 7 ETF","titleOfClass":"COM","cusip":"88636R743","value":123865,"shares":4749,"shareType":"SH"},{"issuer":"DELTA AIR LINES INC","titleOfClass":"COM NEW","cusip":"247361702","value":122223,"shares":1305,"shareType":"SH"},{"issuer":"ISHARES U.S. EQUITY FACTOR ROTATION ACTIVE ETF","titleOfClass":"COM","cusip":"09290C103","value":121466,"shares":1786,"shareType":"SH"},{"issuer":"CROWDSTRIKE HLDGS INC","titleOfClass":"CL A","cusip":"22788C105","value":118287,"shares":155,"shareType":"SH"},{"issuer":"ISHARES S&P 500 GROWTH ETF","titleOfClass":"COM","cusip":"464287309","value":105351,"shares":766,"shareType":"SH"},{"issuer":"CONSTELLATION ENERGY CORP","titleOfClass":"COM","cusip":"21037T109","value":103152,"shares":415,"shareType":"SH"},{"issuer":"FIDELITY WISE ORIGIN BITCOIN FUND","titleOfClass":"COM","cusip":"315948109","value":102100,"shares":2000,"shareType":"SH"}]},"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}