Search for "Loan Long"

Jon Daniel Long
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Jon Daniel Long
Nashville, TN Lawyer
(615) 386-0075 302 42nd Ave N
Nashville, TN 37209
Free ConsultationBankruptcy, Construction, Estate Planning and Family
Nashville School of Law
Long, Burnett, and Johnson, PLLC, is an experienced team of Nashville bankruptcy lawyers dedicated to helping clients find real, long term solutions to financial problems. We do more than just complete the necessary court forms and stand for clients in court; we understand that the best bankruptcy attorney in Nashville is one who educates people on how to improve their lives. Of course a Nashville bankruptcy is a serious matter. However, it does not have to be a wholly negative affair. This could be a chance to start over anew. Some people come out of the proceedings much better...
Ronald Weiss
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Ronald Weiss
Melville, NY Attorney with 36 years of experience
(631) 479-2455 734 Walt Whitman Rd.
Suite 203
Melville, NY 11747
Free ConsultationBankruptcy and Foreclosure Defense
New York University School of Law
Ronald D. Weiss, ESQ. is a Long Island bankruptcy, foreclosure, and modification lawyer, who since 1988 has represented individuals and businesses in the greater Long Island and New York areas undergoing financial hardship.

The Law Office of Ronald D. Weiss, P.C., for over twenty-five (25) years, has concentrated in legally representing residents of Suffolk County and Nassau County, Long Island under Chapters 7, 11 and 13 of the Bankruptcy Code, foreclosure defense litigation, mortgage loan modifications, and general debt negotiation. Through advice and representation, our attorneys help determine and implement the best and most affordable ways to: eliminate overwhelming credit card...
John Peter Brooke
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John Peter Brooke
Bay Shore, NY Attorney with 17 years of experience
(631) 397-0042 85 W. Main Street
Suite 201
Bay Shore, NY 11706
Free ConsultationBankruptcy, Estate Planning, Family and Foreclosure Defense
California Western School of Law
After working for several Long Island law firms practicing in the areas of bankruptcy, loan modifications, estates, civil litigation and family law, John P. Brooke, Esq. opened his own law office. The Brooke Law Firm serves is a full service law practice dedicated to helping Long Islander's in all the legal challenges that life throws at them. John P. Brooke, Esq. also interned for Senior Federal Judge Leonard Wexler while in law school. John is also currently a Special Assistant Prosecutor for the Village of Ocean Beach on Fire Island.
Andy Miofsky
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Andy Miofsky
(618) 931-1313 2249 Pontoon Rd
Granite City, IL 62040
Free ConsultationGranite City, IL Lawyer with 45 years of experience
Bankruptcy
Washington University School of Law
I bring an ivory tower legal education from Washington University and over 44 years of courtroom experience to down to earth people. In 2004 I was named the Illinois Downstate Chairperson for the National Association of Consumer Bankruptcy Lawyers. I am also a founding member of the Bankruptcy Law Network legal blog along with about 20some attorney friends. We wrote a free legal blog containing hundreds of pages of articles about bankruptcy, but blogs got boring, so I pivoted to my free JustAMinit Law You Tube video channel, where I post minute, or so, videos about ways you...
Scott L. Lanin
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Scott L. Lanin
(212) 764-7250 505 8th Ave, Suite 1402
New York, NY 10018
Free ConsultationOffers Video ConferencingVideo ConfNew York, NY Attorney with 34 years of experience
Business, Collections, Foreclosure Defense and Real Estate
St. John's University School of Law
Experience Matters. 34+ years’ experience helping individuals, and small & large business clients, with commercial litigation & appeals, foreclosure defense, lender liability, mortgage loan modification, business operating and shareholder agreements & advice, and Chapter 7 & 13 bankruptcy. Scott understands all of these connected areas of law. Meet with Scott and review your options. Find your best solution. Get peace of mind from personal attention, competitive rates, flexible payment options, quality work, exceptional professional service, and a strategy to fit your budget. We strive to develop long-term relationships and help clients meet their goals. Scott has appeared in State, Federal,...
Raymond D. Radow
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Raymond D. Radow
(516) 338-7800 1010 Northern Boulevard
Suite 304
Great Neck, NY 11021
Free ConsultationGreat Neck, NY Attorney with 31 years of experience
Bankruptcy, Business, Foreclosure Defense and Real Estate
Benjamin N. Cardozo School of Law
Ray Radow is a founding partner of the Radow Law Group, P.C. His practice concentrates on Real Estate and Commercial Litigation with a focus on Foreclosure Defense Litigation and Real Estate Transactions, as well as Personal Injury and Criminal Law.

Since the onset of the housing crisis, Mr. Radow has represented countless borrowers faced with the looming prospect of foreclosure and has regularly obtained loan modifications for eligible clients, resulting in significant reductions in monthly mortgage payments and, most importantly, keeping families in their homes.

Mr. Radow is a former Brooklyn prosecutor and has years of experience in private practice...
Cynthia Fussell O'Donnell
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Cynthia Fussell O'Donnell
Mount Dora, FL Lawyer with 16 years of experience
(352) 600-1326 120 E 4th Ave
Suite B1
Mount Dora, FL 32757
Free ConsultationBankruptcy
University of Florida
A consumer protection practice, the Law Office of Cynthia O'Donnell helps student loan borrowers and identity theft victims as well as other consumers manage their debt and credit issues.

Cynthia Fussell O'Donnell was born and raised in the panhandle of Florida and graduated from Florida State University with a B.A. in Music. Coming from a long line of military veterans, she joined the U.S. Navy and attended Officer Candidate School in Pensacola, Florida in February 2001. While in the Navy, she served onboard USS Mahan (DDG-72) as the Strike Warfare Office and USS Hue City (CG-66) as the Damage Control Assistant...
Keith Weidman
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Keith Weidman
Islandia, NY Attorney with 38 years of experience
(631) 232-3288 Islandia, NY 11749
Free ConsultationCriminal, DUI & DWI, Divorce and Traffic Tickets
Hofstra University
Attorney in Suffolk and LI nearly 1/3 century. Free consultations. Some flat fees. I lecture to and publish for other attorneys. I speak Spanish. I go to most courts but prefer to settle cases because courts are expensive and sometimes make it worse. Inquire for regular discounts.
Anthony Armando Nozzolillo
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Anthony Armando Nozzolillo
Merrick, NY Attorney with 21 years of experience
(516) 600-9750 2163 Merrick Avenue
2nd Floor
Merrick, NY 11566
Free ConsultationOffers Video ConferencingVideo ConfReal Estate
Maurice A. Deane School of Law at Hofstra University
Anthony A. Nozzolilo, Esq. is a seasoned attorney with over two decades of experience representing buyers, sellers, (individuals and corporate entities) and lending institutions in complex and routine commercial and residential real estate/cooperative closing transactions. He is well versed in all Landlord/Tenant Matters; as well as Real Estate Litigation and Dispute Resolutions. Mr. Nozzolillo serves as Chief Legal Counsel to On Point Land Services Corporation, a Real Estate Title Insurance Company with headquarters in Merrick, Long Island, NY. He is also General Counsel to Keen Settlement Services Incorporated, a Loan Closing Settlement Company; which represents dozens of financial lending institutions (international...
Christine A. Kingston
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Christine A. Kingston
Huntington Beach, CA Attorney with 16 years of experience
(714) 533-9210 5011 Argosy Avenue
Suite 3
Huntington Beach, CA 92649
Bankruptcy
Pacific Coast University School of Law, Long Beach, CA
Ms. Kingston has been licensed to practice law since 2008 and is in private practice at her firm Law Office of Christine A. Kingston. She received her Juris Doctor from Pacific Coast University School of Law (2005), and undergraduate degree from California State University, Long Beach (B.A. 1989), where she studied Speech Communication. She is admitted to practice law in California and before the United States District Court, Central District. Recent Results: 2012: Schaffer v. ECMC we won at trial, discharging more than $57,000 in student loans. Case no. 2:11-ap-01878-RN. In 2010, she reached a settlement against Litton...
Matthew John Monaghan
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Matthew John Monaghan
Cocoa, FL Lawyer with 27 years of experience
(321) 639-1320 96 Willard St
#302
Cocoa, FL 32922
Business, Employment, Estate Planning and Probate
Florida State University College of Law
Matthew is a native of Florida and Brevard County and was raised locally in Merritt Island. Matthew has an extensive and diverse education which includes a bachelor’s degree in accounting, a master’s degree in taxation, and a law degree. Prior to practicing law Matthew acquired his Certified Public Accountant (CPA) license and worked in public and private accounting for several years before entering law school. Matthew’s unique background in law, accounting, and taxation provide a unique perspective that is unmatched by most attorneys. Matthew has been located in the same office in Cocoa for the past 15 years practicing...
David T. Podein
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David T. Podein
Miami, FL Lawyer with 16 years of experience
(305) 379-2400 251 NW 23rd St
Miami, FL 33127
Business, Construction and Real Estate
University of Miami School of Law
David Podein is a partner with Haber Law and has been with the firm since 2009. He concentrates his practice in the areas of real estate and construction law, condominium and community association representation, commercial leasing, secured financing, and business and commercial litigation.
A substantial portion of Mr. Podein’s practice involves representation of community associations in the financing, approvals, and contract negotiation for multi-million dollar capital improvement, repair, and/or building upgrade projects. Additionally, Mr. Podein represents real estate developers, investors, joint venture, lenders/servicers, and landlords in connection with real estate related transactions, including commercial and shopping center leasing, landlord tenant negotiations,...
Anthony C. Curcio
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Anthony C. Curcio
Melville, NY Lawyer with 10 years of experience
(516) 809-8483 200 Broadhollow Road
Suite 207
Melville, NY 11747
Real Estate
Touro College Jacob D. Fuchsberg Law Center
Anthony C. Curcio is the Managing Member of Curcio Law. Anthony has a wealth of experience in practicing real estate law. Anthony handles a broad range of both residential and commercial real estate matters involving land use, zoning, leasing, transactions and financing. Anthony represents commercial and residential real estate developers before municipalities throughout Long Island in obtaining land use and zoning approvals, in addition to all phases of site development from sub-division approval to site plan approval. Anthony also represents commercial and residential buyers and sellers in the purchase and sale of real estate throughout Long Island and...
Todd B. Kotler
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Todd B. Kotler
Canton, OH Lawyer with 25 years of experience
(330) 497-2886 4580 Stephen Circle, Suite 100
Canton, OH 44718
Free ConsultationDivorce, Education, Estate Planning and Family
University of Akron School of Law
Since 1999 I have labored to establish divorce settlements that are firm but fair and parenting-time schedules that work. Relocating and long-distance parenting plans. I resolve high-conflict situations, protective orders, and deal with parental alienation. I also have litigated a number of high value cases in both Summit and Stark Counties.

My firm also has handled a great number of high value transactions involving mineral rights, land leases and easements with energy companies. We have done joint ventures, partnerships, S corporations, LLCs, commercial and industrial developments, condominium developments or conversions and office building sales and purchases. Likewise, I...
David Michael Benson
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David Michael Benson
Cleveland, OH Attorney with 31 years of experience
(216) 241-2510 1422 Euclid Avenue
Suite 970
Cleveland, OH 44115
Free ConsultationBankruptcy, Consumer and Foreclosure Defense
Case Western Reserve University School of Law
David M. Benson is a long-time resident of Cleveland Heights and a practicing attorney since 1993. He has represented hundreds of Ohioans, most of them in bankruptcies on behalf of consumers and small businesses. He has extensive experience in counseling clients on the most advantageous alternatives relating to debt issues, including mortgage foreclosure defense, loan modifications, deeds in lieu of foreclosure and short sales. In addition to bankruptcy and foreclosure issues, Mr. Benson’s practice has included civil litigation arising from small business disputes, debt collection abuse, workplace injuries, disability, motor vehicle accidents and real estate matters. Mr. Benson is...
Elizabeth L. Johnson
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Elizabeth L. Johnson
Glendale, CA Attorney
(888) 998-3045 500 N. Brand Blvd., Suite 2000
Glendale, CA 91203
Free ConsultationOffers Video ConferencingVideo ConfDivorce and Family
American University Washington College of Law
Elizabeth Johnson is a licensed attorney in California, Virginia, and Florida. She earned her Bachelor of Arts in History and German from the University of California, Santa Barbara (UCSB), where she also broadened her perspective by participating in an immersion program in Berlin, Germany. Fluent in conversational German, Elizabeth went on to pursue her Juris Doctorate at American University, Washington College of Law, where she served on the Editorial Board of the *Journal of Gender, Social Policy & the Law*, one of the top-cited legal journals in its field. While in law school, Elizabeth gained valuable practical experience. She interned with...
Anthony Koester
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Anthony Koester
Flemington, NJ Lawyer with 35 years of experience
(908) 782-8200 167 Main Street
Flemington, NJ 08822
Business, Construction, Estate Planning and Real Estate
Albany Law School
OVER 25 YEARS OF EXPERIENCE in business, commercial, corporate, real estate, employment & construction matters -- both transactional and litigation (state & federal courts). Focused on long-term corporate representation, problem solving and closing transactions quickly and cost-effectively. CIVIL LITIGATION: Litigated numerous cases, including complex business litigation, complex commercial disputes and litigation matters, corporate litigation, real estate litigation, construction, unfair competition suits, contract disputes, professional liability, employment litigation, fiduciary duty claims, business torts, receivership, dissolution, shareholder disputes, trade claims, trade secrets, employer covenants not-to-compete, unfair practices, consumer fraud, breach of contract, insurance coverage issues, complex litigation matters, negligence, environmental...
Peter Vlantis
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Peter Vlantis
Chicago, IL Attorney with 13 years of experience
(312) 788-7886 161 N Clark St
16th floor
Chicago, IL 60601
Free ConsultationConstruction, Nursing Home, Personal Injury and Products Liability
Loyola University Chicago School of Law
I was raised on the Northwest side of Chicago by hard working blue-collar parents that both worked to support our family. I have seen firsthand the difficulties people face living paycheck to paycheck trying to support a family. I have also seen the burden placed on a family when one of the bread winners is injured and cannot work. When I was a child, my father was injured by an improperly maintained step right outside our apartment. His injury required that he wear a cast on his leg. As a delivery driver, this meant he could not work...
Patricia Bloom-McDonald
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Patricia Bloom-McDonald
Westport, MA Lawyer with 21 years of experience
(508) 646-9888 1105 State Road, Route 6
P. O. Box 858
Westport, MA 02790
Free ConsultationElder, Estate Planning, Probate and Real Estate
University of Massachusetts School of Law at Dartmouth
Attorney Patricia Bloom-McDonald is a licensed attorney in the Commonwealth of Massachusetts and has been in private practice since 2003. She is admitted to practice before the United States Supreme Court; U.S. District Court, 1st Circuit; U.S. Bankruptcy Court; and all courts in the Commonwealth of Massachusetts. She has extensive knowledge and experience with the preparation of Wills, Trusts, Health Care Proxies, Durable Power of Attorneys, and other Estate Planning documents. Additionally, Attorney Bloom-McDonald possesses exceptional knowledge of Probate law as it is applied to Estate Administration, Guardianships, Conservatorships, Adoptions, and Name Change procedures. She possesses...
Jonathan Goldsmith Cohen
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Jonathan Goldsmith Cohen
Tinton Falls, NJ Lawyer with 17 years of experience
(732) 252-0401 1 Executive Drive
Suite 6
Tinton Falls, NJ 07701
Offers Video ConferencingVideo ConfBankruptcy and Foreclosure Defense
Vermont Law School
You need me in your corner. Whether you're an individual seeking assistance with a bankruptcy, mortgage modification, or foreclosure defense, a small business looking to reorganize or liquidate, or for creditor representation and counsel. I have successfully represented thousands of clients in bankruptcy court and have helped hundreds of people with successful mortgage modifications. I look forward to helping you.

I am a life-long Monmouth County, New Jersey resident. I grew-up with a father who is a passionate attorney. He set the bar high for me by example. Before law school, in the early 2000s, I was a bankruptcy paralegal...
Ahmad Yakzan
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Ahmad Yakzan
Pinellas Park, FL Attorney with 13 years of experience
(888) 963-7326 4451 Park Blvd. N.
Pinellas Park, FL 33781
Immigration
Stetson University College of Law and Stetson University College of Law
Experience Unrivaled Service in the Immigration Law Field! The story of the American Dream Law Office PLLC starts with the dream of a young Lebanese man coming to the United States to become an attorney. This young man persevered against long odds. He attended Stetson University and received the best education one could receive. In 2011, he became a member of the Florida Bar, opening the door to helping immigrants like himself achieve their lifelong dreams of becoming Americans. That young man experienced what it is like to be away from his family. The young man’s name was Ahmad Yakzan,...
Richard Frank Artura
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Richard Frank Artura
Lindenhurst, NY Attorney with 39 years of experience
(631) 226-2100 165 South Wellwood Avenue
Lindenhurst, NY 11757
Free ConsultationBankruptcy, Foreclosure Defense and Real Estate
St. John's University School of Law
Richard Artura, Esq., has been practicing bankruptcy law for over 30 years. His practice includes bankruptcy litigation in both Chapter 7 and Chapter 13 cases. Mr. Artura is an adjunct professor at Touro Law School and is a long-standing member on the Suffolk Country Bar Association's Bankruptcy Law Committee.

Through advice and representation, Richard Artura can determine the best and most affordable ways to: eliminate overwhelming credit card debt, reduce burdensome mortgage payments, stop creditor collection actions, and overcome foreclosure difficulties. Additionally, Mr. Artura uses the bankruptcy court to modify delinquent mortgage loans.

For a FREE consultation you can reach Richard...
Bruce Andre Richardson
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Bruce Andre Richardson
New York, NY Lawyer with 18 years of experience
(866) 475-1447 27 Whitehall Street, 5th Floor
New York, NY 10004
Foreclosure Defense and Real Estate
City University of New York - City College
Bruce Richardson received a Bachelor of Science from John Jay College of Criminal Justice, and a Juris Doctorate from the City University of New York School of Law.

He has extensive criminal and real estate litigation experience and has zealously advocated on behalf of disenfranchised individuals as well as distressed and victimized homeowners.

Bruce has negotiated and resolved real estate related criminal matters with the United States Attorney’s Office of both the Southern and Eastern Districts of New York.

His extensive criminal defense background has enabled him to adopt a trial advocacy approach to addressing the myriad complex issues inherent in foreclosure...
Andrew M. Engel
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Andrew M. Engel
Centerville, OH Attorney with 34 years of experience
(937) 221-9819 7925 Paragon Road
Centerville, OH 45459
Free ConsultationAppeals, Consumer and Real Estate
American University Washington College of Law
My practice includes all areas of consumer protection law, including mortgage foreclosure defense, predatory lending, mortgage broker fraud, home improvement claims, and other consumer claims. Recent case victories include: Fed. Nat'l. Home Loan Mtge. Corp. v. Schwartzwald, (Oct. 31, 2012) 2012-Ohio-5017. This case is a huge victory for Ohio homeowners. It will help level the playing field for homeowners, and it provides hope to those who have previously lost their home to foreclosure. The Supreme Court ruled that a bank must have the right to enforce the note and mortgage on the day it files its foreclosure case....
Todd Lewis
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Todd Lewis
Arlington, VA Attorney with 20 years of experience
(855) 550-9898 2200 Wilson Boulevard
Suite 102-50
Arlington, VA 22201
Free ConsultationBankruptcy, Business, Consumer and Estate Planning
State University of New York - Buffalo
Todd Lewis began his legal career in Florida, where he served as in-house counsel for a Fortune 500 corporation. Upon moving to the Washington DC metro area, Mr. Lewis again worked for a Fortune 500 Corporation, helping to build one of the largest title companies in the world. Unhappy with the corporate lifestyle and looking to effect change and solve real world problems, in 2004 Mr. Lewis founded The Lewis Law Group, P.C., advising small to medium sized businesses and consumers in financial related matters, civil litigation, and general legal advisement. As a licensed real estate broker and agent for...
Thomas Wyckoff
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Thomas Wyckoff
New York, NY Attorney with 33 years of experience
(212) 256-8403 14 Wall Street
New York, NY 10005
Free ConsultationBusiness and Securities
Albany Law School
• Pragmatic interpretation, drafting, negotiation, clarification and explanation to management, execution, & closing of all contractual matters. • Negotiation and design of employment agreements, stock option, stock appreciation rights, & termination settlement arrangements. • Initiation, monitoring & management of long-term sourcing arrangements in multiple supply-chain and vendor environments (China, England, Mexico & Canada). • Entity formations & structures inclusive of tax & corporate governance in accordance with constituent objectives. • Analysis, creation & drafting of covenant structures in high-yield debt & commercial loan agreements. • Leveraged buyouts utilizing equity, high yield/bank debt sourced publicly/privately. • Exhaustive familiarity with 33/34 Act, Reg. A & “mini-IPO” provisions. • Drafting,...
Mr. Lloyd N Martin
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Mr. Lloyd N Martin
Auburn, ME Lawyer with 38 years of experience
243 Mount Auburn Avenue, Suite B-1
P O Box 678
Auburn, ME 04212-0678
Free ConsultationUniversity of Maine School of Law
Gerald Norman Jacobowitz
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Gerald Norman Jacobowitz
Walden, NY Attorney with 66 years of experience
(914) 778-2121 Walden, NY 12586
Business, Environmental, Municipal and Real Estate
Mr. Jacobowitz is the founder and a senior partner of Jacobowitz and Gubits, LLP. He practices Environmental/Land Use, Real Estate, Municipal and Business Law. He has been village and town attorney for municipalities throughout the Hudson Valley. On behalf of private clients, he has helped bring to fruition numerous successful projects, including Rural Ridge subdivision, Harriman Business Park, Wind Ridge Village, Harriman Hills, Thruway Shopping Center, Walden View Apartments, and Millpond Condominium.

Mr. Jacobowitz has been a leader in the organized bar as a member of the New York State Bar Association, Municipal Law Section (member of the Executive Committee...
Douglas B. Wroan
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Douglas B. Wroan
Hawthorne, CA Lawyer with 30 years of experience
(310) 265-3910 5155 W Rosecrans Ave
Hawthorne, CA 90250
Bankruptcy, Business, Communications and Entertainment & Sports
Western State Univ COL
Mr. Wroan is president of The Wroan Law Firm, Inc. where his practice focuses exclusively on sports and entertainment, technology and new media, business, real estate and related litigation. Mr. Wroan has negotiated, drafted and closed numerous production financing, sponsorship, licensing, talent, endorsement and related agreements on behalf of individual clients, companies and brands both here in the U.S. and internationally for over fifteen years. In addition, Mr. Wroan has consulted for and advised several Fortune 500 companies on their branded entertainment, integration and licensing strategies including: Brunswick, Life Fitness, Volkswagen of America, Zippo Manufacturing, Razor USA LLC, AllSteel and Bebe...
John Matthew Shari
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John Matthew Shari
Hoboken, NJ Lawyer with 21 years of experience
(201) 431-6276 50 Harrison Street
PH 529
Hoboken, NJ 07030
Business
Seton Hall University School of Law
John M. Shari, Esq., with nearly two decades of legal practice, represents numerous clients in diverse business matters. His journey includes affiliations with respected East Coast law firms... where he represented a mix of clients, from Fortune 500 companies to private investors and business people. His expertise extends to commercial real estate transactions; business operations; LLC formations/operations; representing borrowers and lenders for business loans; private placements; partnership agreements; corporate law; contract review; asset sales; stock sales; and other commercial transactions. Before his role as a Shareholder of his Firm, John served as lead counsel of acquisitions for a notable telecommunications...
Andrew J Thompson
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Andrew J Thompson
Indianapolis, IN Lawyer
(877) 365-1776 225 N Delaware
Indianapolis, IN 46204
Free ConsultationBusiness, Civil Rights, Consumer and Divorce
Andrew J Thompson was licensed to practice in Indiana in 1990. He had previously passed the Uniform Certified Public Accounting examination in 1985, while working for KPMG Peat Marwick as a Tax Specialist. Mr. Thompson is an entrepreneur, long time estate planner, former trust officer, business owner, and experienced general practice attorney. The Thompson Law Office provides service to families and businesses with the goal of helping them achieve the best results in line with their goals. The practice is founded on a collaborative approach where the client always makes the decisions. Areas of practice...
James J Burns Jr.
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James J Burns Jr.
Waukegan, IL Lawyer
(312) 880-0195 25 North County Street
Waukegan, IL 60085
Bankruptcy and Foreclosure Defense
DePaul College of Law
James J. Burns Jr. is the founder and owner of The Burns Law Firm P.C.. He has practiced in the areas of bankruptcy law, student loan law, and debt negotiations since 1992. James is a long-time Lake County resident and Chicago native who graduated in 1987 from the University of Illinois at Urbana-Champaign, and is a 1989 graduate of the DePaul University College of Law. James has practiced law since 1989 and has represented thousands of debtors in consumer bankruptcy. Prior to starting his firm, James worked for several of the large consumer bankruptcy firms in Chicago. Tired of the...