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Home My WebLink About03-04-14 Resot PETITION FOR GRANT OF LETTERS REGISTER OF WILLS OF CUMBERLAND COUNTY,PENNSYLVANIA Petitioner(s) named below, who is/are 18 years of age or older, apply(ies) for Letters as specified below, and in support thereof aver(s) the following and respectfully request(s) the grant of Letters in the appropriate form: Decedent's Information �}ct Name: JANE C.TURNER File No: ( t A a/k/a: V Mine (2 -ru e rle r (1 /i1 j' (Assigned by Register) a/k/a: a/k/a: Social Security No: Date of Death: February 21,2014 Age at death: 95 Decedent was domiciled at death in Cumberland County,Penncykynnia (State)with his/her last principal residence at 1059 Brandt Avenue Lemovne Borough Cumberland County Pennsylvania Street address,Post Office and Zip Code City,Township or Borough County Decedent died at 1059 Brandt Avenue.Lemoyne Borough.Cumberland CmMty Pennsylvania Street address,Post Office and Zip Code City,Township or Borough County State Estimate of value of decedent's property at death: If domiciled in Pennsylvania............................ All personal property $ If not domiciled in Pennsylvania. ....................... Personal property in Pennsylvania $ If not domiciled in Pennsylvania. ...----........... Personal property in County $ Value of real estate in Pennsyl vania............... .. ........ ....... . ........................ $ 485,000 00 TOTAL ESTIMATED VALUE. ... $� 485.004.90 Real estate in Pennsylvania situated at: 1059 Brandt Avenue.Lemoyne,Cumberland County PA (Attach additional sheets,t,'(necessary.} Street address,Post Orrice and Zip Code City,Township or Borough County A. Petition for Probate and Grant of Letters Testamentary Petitioners)averts)he/she/they is/=the Executor(s)named in the last Will of the Decedent,dated March 25,2010 and Codicils) thereto dated June 15 2011 and June 28 2012 C'harlra W Tnrocr died nn h lye X019 State relevant circumstances(e.g.renunciation,death ofexecutor,etc.) Except as follows: afterthe execution ofthe instrument(s)offered for probate Decedent did not marry,was not divorced,was not a party to a pending divorce proceeding wherein the grounds for divorce had been established as defined in 23 Pa.C.S. §3323(g),and did not have a child bons or adopted;and Decedent was neither the victim of a killing nor ever adjudicated an incapacitated person. ®NO S.XCEPTIONS G EXCEPTIONS B. Petition for Grant of Letters of Administration (ifapplicable) c.t.a.,d.b.n.,d.b.n.c.t.a.,pendente Cite,durante absentia,durance minoritate If Administration,c.t.a. or d.b.n.c.Ga.,enter date of Will in Section A above and complete list of heirs. Except as follows: Decedent was not a party to a pending divorce proceeding wherein the grounds for divorce had been established as defined in 23 Pa.C.S.§3323(g)and was neither the victim of a killing nor ever adjudicated an incapacitated person. Q NO EXCEPTIONS ®EXCEPTIONS Petitioner(s),after a proper search has/have ascertained that Decedent left no Will and was survivedby the following spouse(if any)and heirs(attach additional sheets,if necessary): Name Relationship Address c r i°! r!';t r r r � Fo„naw-02 rev.lo/1112011 Page I oft Oath of Personal Representative official Use only COMMONWEALTH OF PENNSYLVANIA } } SS: COUNTY OF } Petitioner(s)Printed Name Petitioners)Printed Address rAnnTumer Benedict 157 Chestnut Street PO Box 476 Mt.Wolf PA 17347 +tea do 1059 Brandt Avenue,Lemoyne,PA 17043 rn r The Petitioner(s)above-named swear(s)or affirm(s)the statements in the foregoing Petition are true and correct to the bes e knowled e and bob6f:_ ._ of Petitioner(s)and that,as Personal Representative(s)of the Decedent,the Petitiore will well and t1mi�y�ad�mLinister thgpe��snccordino law:._,y —n Sworn to r Affirmed a d subscribed before ` .G/�.��i_ =D? Ll me i day of { s pate CD f,Gtaa_� 1 y Date or N:e Register Date BOND Required: 0 YES Q NO To the Register of Wilts: FEES: Please enter my appearance by my signature below: Letters.... .... ..... .. . . ..... $ 410.00 Attorney Signature: ( 5)Short Certificate(s)...• .. 25.00 ( ) Renunciation(s)Codicil(s) . . . .. . . . . . . . 2il I ( 2) Codicil(s). . . . . . . . . . . . . 30.00 /'`" '�� (''Y ✓�( ( )Affidavit(s)...,,.. . .. ,. V V Bond... . . . . . .. . . .. . . .. ... . . . Printed Name: Bradley J.Gunnison,Esq. Commission. . . . . . . . . . . . . . . . . . Supreme Court Other Will ... . . .. . 15.00 ID Number: 36524 Inheritance Tax Return ., . ..... 15.00 Inventory . . . . . . . . 15.00 Firm Name: McNees Wallace&Nurick LLC . . . . . . .. Address: 100 Pine Street .. . ..... PO Box 1166 . .. ..... Harrisbur PA 17108-1166 . . . . . . Phone: 717-237-5479 Automation Fee. .. .. . . .. ..... . 5.00 Fax: 717-260-1669 JCS Fee. . . 23.50 Email: mn'cn rc mwn 4'nm TOTAL. . . . . . . . . . • . . . . . . . . . . $ 538.50 DECREE OF THE REGISTER Estate of JANE C.TURNER File No: c2l —1 ry — q atkla: tl Iay\I C Ttrjr"(— AND NOW, P O.l-GE ) 2.01� —,in consideration of the foregoing Petition, satisfactory proof having been presented before me,IT IS DECREED that Letters Testamentary are hereby granted to Carolyn T.Benedict and Ann Turner in the above estate and (if applicable) that the instrument(s)dated March 25.2010 June 15 2011 and June 28 2012 described in the Petition be admitted to probate and filed of record as the last Will (and Codicil(s))of Decedent. �ster IWills Regtster of Wills Form Rw-02 rev, 1011112011 �� Page of'2 t LAST WILL AND TESTAMENT OF JANE C. TURNER I, JANE C. TURNER, of Lemoyne, Cumberland, County, Pennsylvania, make this Will, hereby revoking all my former Wills and Codicils. I am presently married to CHARLES W. TURNER ("My Husband") and have four (4) living children, CAROLYN T. BENEDICT, ANN TURNER, RICHARD D. TURNER and LEE C. TURNER (collectively, "My Children"). ARTICLE ONE TANGIBLE PERSONAL PROPERTY § 1.1 1 bequeath all my tangible personal property, including by way of illustration but not by way of limitation, my household furniture and furnishings, paintings, books, automobiles, jewelry and personal effects, exclusive of any such property used in a trade or business, in accordance with the terms of a signed and dated memorandum I may prepare. If no such memorandum is located or received by my Executor within sixty (60) days of being appointed as such, after a reasonable search for such memorandum, my Executor shall be held harmless for distributing such assets as hereafter provided. I bequeath any property not disposed of by such memorandum, or all of such property if no such memorandum is so located or received, to My Husband, if he survives me. If My Husband does not survive me, I bequeath all such property to My Children, living at my death, to be divided among them in as nearly equal shares as they agree. In the event of irreconcilable disagreement among My Children, they shall take alternate turns selecting individual items with my oldest Child making the first selection. Any items not so selected shall be sold and the proceeds shall pass as a part of my residuary estate. § 1.2 To the extent practicable in the Executor's sole discretion, I bequeath any policies of insurance on such property to the beneficiary entitled to such property. § 1.3 1 direct that the expenses of storing, packing, shipping, insuring and 9?livering any such property to the beneficiary entitled thereto shall be paid by the Executor af ' administrative expense of my estate. 8CCD in c. r- r ARTICLE TWO RESIDUE § 2.1 1 devise and bequeath all the rest, residue and remainder of my estate to the then serving trustee of"The Jane C. Turner Revocable Trust' as amended and restated under Agreement dated as of even date herewith, by myself, as Settlor, and myself, as Trustee, as the same may have been or may be further amended or restated prior to my death ("My Revocable Trust'), to be distributed in accordance with the terms of said trust agreement, or if said trust agreement is not in effect at the time of my death, in accordance with the terms specified therein on the date of this Will or of its last publication by Codicil or otherwise. ARTICLE THREE APPOINTMENT OF FIDUCIARIES § 3.1 1 appoint CHARLES W. TURNER and HERSHEY TRUST COMPANY as co- Executors of this Will. If CHARLES W. TURNER is unable or unwilling to act or continue to act, for any reason whatsoever, I appoint CAROLYN T. BENEDICT and LEE C. TURNER as co- Executors to act with HERSHEY TRUST COMPANY. If CAROLYN T. BENEDICT or LEE C. TURNER is unable or unwilling to act or continue to act for any reason whatsoever the remaining of them shall act as co-Executor with HERSHEY TRUST COMPANY. All references herein to the "Executor" shall mean my originally appointed Executors or the successor Executors, as the case may be. § 3.2 1 appoint the then serving trustee of My Revocable Trust as Guardian of the estates of any minor beneficiaries under this Will, including the proceeds of any life insurance on my life payable to such minors and any other property, rights or claims with respect to which I am entitled to appoint a guardian and have not otherwise specifically done so. The Guardian shall have full authority to use such assets, both principal and income, in any manner the Guardian shall deem advisable for the best interests of the minor, including preparatory, college and graduate education, and professional, vocational or technical training, without securing a court order. - 2 - ARTICLE FOUR POWERS OF FIDUCIARIES § 4.1 No fiduciary under this Will shall be required to give bond or other security for the faithful performance of the fiduciary's duties. § 4.2 Any such fiduciary shall have, without restriction or qualification, all powers given by law, including without limitation those under the Pennsylvania Probate, Estates and Fiduciaries Code, in addition to the following powers: § 4.2.1 To invest in, accept and retain any real or personal property, including stock of a corporate fiduciary or its holding company, without restriction to legal investments. § 4.2.2 To sell, exchange, partition or lease for any period of time any real or personal property and to give options therefor for cash or credit, with or without security. § 4.2.3 To borrow money from any person including any fiduciary acting hereunder, and to mortgage or pledge any real or personal property. § 4.2.4 To hold shares of stock or other securities in nominee registration form, including that of a clearing corporation or depository, or in book entry form or unregistered or in such other form as will pass by delivery. § 4.2.5 To engage in litigation and compromise, arbitrate or abandon claims. § 4.2.6 To determine the apportionment of receipts and expenses, including extraordinary cash dividends, stock dividends, capital-gain dividends of regulated investment companies and proceeds and expenses of the sale of unproductive real estate, between income and principal, such apportionment to be made so as to balance fairly the interests of any income beneficiary and the remaindermen. § 4.2.7 To join with My Husband or her personal representative in the filing of a joint income tax return for any period for which such a return may be permitted, without requiring her or her estate to indemnify my estate against liability for the tax attributable to her income, and to consent, for federal gift tax purposes, to having gifts made by My Husband during my lifetime treated as having been made half by me. § 4.2.8 To make distributions in cash, or in kind at current values, or partly in each, allocating specific assets to particular distributees on a non-pro rata basis, and for such purposes to make reasonable determinations of current values. § 4.2.9 To make elections, decisions, concessions and settlements in connection with all income, estate, inheritance, gift or other tax returns and the payment - 3 - of such taxes, without obligation to adjust the distributive share of income or principal of any person affected thereby. § 4.2.10 To allocate, in the Executor's sole and absolute discretion, any portion of my exemption under Section 2631(a) of the Internal Revenue Code, to any property as to which I am the transferor, including any property transferred by me during my lifetime as to which I did not make an allocation prior to my death. §4.2.11 To disclaim any interest I may have in any estate if the Executor deems such disclaimer to be in the best interests of my estate and the beneficiaries thereof. ARTICLE FIVE PROVISION FOR TAXES § 5.1 All estate taxes, inheritance taxes, transfer taxes and other taxes of a similar nature payable by reason of my death to any government or subdivision thereof upon or with respect to any property subject to any such tax, and any penalties thereon, shall be paid by the Executor out of the principal of that portion of my estate disposed of by Article Two of this Will and allocated among beneficiaries in accordance with the provisions of My Revocable Trust. All interest with respect to any such taxes shall be paid by the Executor out of the income or principal or partly out of the income and partly out of the principal of such portion of my estate, in the absolute discretion of the Executor. My Executor shall not make apportionment among or seek reimbursement from the beneficiaries, recipients or owners of such property for any such I taxes, penalties or interest, except as provided in My Revocable Trust. Notwithstanding any provision of this Article Five to the contrary, the Executor shall not pay any such taxes, penalties or interest attributable to any property included in my estate solely because of a power of appointment thereover that I possess but have not exercised or any qualified terminable interest property. ARTICLE SIX PROVISION FOR DEBTS AND EXPENSES § 61 1 direct that any of my legally enforceable debts, any expenses of my last illness, funeral and burial, and any of the administrative expenses of my estate, shall be paid from the principal of that portion of my estate disposed of by Article Two of this Will. -4 - ARTICLE SEVEN BUSINESS INTERESTS § 71 In the event any business interest should bean asset of my estate, whether the same involves a proprietary interest, a partnership interest, a membership interest in a limited liability company or stock in a closely held corporation, whether wholly owned, controlled by me or owned in substantial part by me, 1 authorize the Executor, subject to the terms of any agreement I may have made for the sale of my interests, to continue said business until such time as the Executor shall deem it advisable to sell, to liquidate or to distribute the same in kind. With respect to any sale or exchange of the stock of any such business interest and in the absence of any such agreement entered into by me prior to my death, I direct the Executor to consider and to determine the appropriateness of a sale or redemption of such stock in accordance with Section 343 of the Internal Revenue Code to the business entity and a possible deferral of federal estate tax payments under Section 6166 of the Internal Revenue Code. It is my desire that to the extent possible any business interest that I may own at the time of my death be continued or disposed of only in an orderly manner so as to maximize the proceeds of any disposition. If an election under the foregoing provisions will effect such desire, the Executor is encouraged to pursue such election if the Executor deems such election also to be in the best interests of my estate and the beneficiaries thereof. The Executor shall have all rights and powers in connection with such business as I had when living, including specifically the power at any time and from time to time to operate or to join in the operation of the same as a going concern, to form or to reform a general or limited partnership or limited liability company, to incorporate or to reincorporate and to liquidate or to sell the same or any part thereof as the Executor deems it advisable for the best interests of my estate and of the beneficiaries thereof without the necessity of any order of court and without any liability for loss resulting from the operation of said business except when such loss is the result of gross negligence or fraud on the part of the Executor. ARTICLE* EIGHT MISCELLANEOUS PROVISIONS § 8.1 As used in this Will, the term "Internal Revenue Code" shall mean the Internal Revenue Code of 1986, as amended from time to time, or the corresponding provision of subsequent law. - 5 - § 8.2 If My Husband and I die under such circumstances that it is impossible to determine which of us survived, it shall be conclusively presumed and this Will shall be construed as if My Husband had predeceased me. If any person, other than My Husband, and I die under such circumstances that it is impossible to determine which of us survived, it shall be conclusively presumed and this Will shall be construed as if such person had predeceased me. § 8.3 Whenever a fiduciary is directed to distribute property to or for the benefit of any beneficiary who is under (a) twenty-five (25) years of age, or (b) a legal disability or otherwise suffers from an illness or mental or physical disability that would make distribution directly to such beneficiary inappropriate (as determined in such fiduciary's sole discretion exercised in good faith), the fiduciary may distribute such property to the person who has custody of such beneficiary, may apply such property for the benefit of such beneficiary, may distribute such property to a custodian for such beneficiary, whether then serving or selected and appointed by the fiduciary (including the fiduciary), under any applicable Uniform Transfers to Minors Act or Uniform Gifts to Minors Act to be held until such beneficiary reaches twenty-five (25) years of age, may distribute such property to the guardian of such beneficiary's estate, may distribute such property directly to such beneficiary's estate, or may distribute such property directly to such beneficiary (except if any of the conditions hereinbefore described in (b) apply), without liability on the part of the fiduciary to see to the application of such property. This provision shall not in any way operate to suspend such beneficiary's absolute ownership of such property or to prevent the absolute vesting thereof in such beneficiary. § 8.4 An individual fiduciary shall receive compensation in accordance with the law of Pennsylvania in effect at the time of payment, unless the fiduciary waives compensation. A corporate fiduciary shall be compensated by agreement with the individual fiduciary, or, in the absence of such agreement, in accordance with its fee schedule as in effect at the time of payment. I authorize a corporate fiduciary to charge additional fees for services it provides to my estate or a trust hereunder that are not comprised within its duties as fiduciary, for example, a fee charged by a mutual fund it administers in which my estate or a trust hereunder invests, or a fee for providing an appraisal, or a fee for providing corporate finance or investment banking services. I also recognize that a corporate fiduciary may charge separately for some services comprised within its duties as such fiduciary, for example a separate fee for investing cash balances or preparing tax returns. Such separate charges shall not be treated as - 6 - improper or excessive merely because they are added on to a basic fee in calculating total compensation for service as fiduciary. IN WITNESS WHEREOF, I have hereunto set my hand and seal this 25th day of March, 2010. (SEAL) NE C. TURNER Signed, sealed, published and declared by the above named JANE C. TURNER, as and for her Last Will, in the presence of us and each of us, who, at her request and in her presence and in the presence of each other, have hereunto subscribed our names as witnesses thereto the day and year last above written. t !"�T Residing at 10 si�sl�°rd �'^° t�k�h�i�� PA Residing at . ��-A= - 7 - r COMMONWEALTH OF PENNSYLVANIA ss. COUNTY OF DAUPHIN We,JANE C. TURNER, the testatrix, 3+ VYnn hn and (ion-jh the witnesses, whose names are signed to the attached or foregoing instrument, being first duly sworn, do hereby declare to the undersigned authority that the testatrix signed and executed the instrument as her Last Will; that the testatrix signed willingly and executed it as her free and voluntary act for the purposes therein expressed; that each subscribing witness in the hearing and sight of the testatrix signed the Will as a witness and that to the best of his or her knowledge the testatrix was at that time eighteen (18) years of age or older, of sound mind and under no constraint or undue influence. jja: �4J-tA4irU41) N � ANE C. TURNER Witness Witness Subscribed, sworn to and acknowledged before me by JANE C. TURNER, the testatrix, and subscribed and sworn to before me by 3ajl Gij,% ,S-.j and 1;:-0ScYt P. µ„t(eja k the witnesses, this 25th day of March, 2010. Notary Public (SEAL) 6Yai+MUN'w=Acli OF PENNSM.YAMA l Mariana�P uWlo' of Hph n My CommJune 1Q 10 - a CODICIL TO LAST WILL AND TESTAMENT OF JANE C. TURNER I, JANE C. TURNER, of Cumberland County, Pennsylvania, make this Codicil to my Will dated March 25, 2010, which I hereby reaffirm, except as follows: 1. I hereby revoke Article Three of my said Will in its entirety and substitute the following new Article Three in its stead: A ARTICLE THREE '��`> c> APPOINTMENT OF FIDUCIARIES s" § 3.1 1 appoint CHARLES W. TURNER as Executor of this Will. If CHAF@8 W. n TURNER is unable or unwilling to act or continue to act, for any reason whatsoev3V11I appoint- F=rn tn Qoq CAROLYN T. BENEDICT as successor Executrix. If CAROLYN T. BENEDICT is unable or"r, unwilling to act or continue to act for any reason whatsoever, I appoint LEE C. TURNER as successor Executor. All references herein to the "Executor" shall mean my originally appointed Executor or the successor Executor or Executrix, as the case may be. § 3.2 1 appoint the then serving trustee of My Revocable Trust as Guardian of the estates of any minor beneficiaries under this Will, including the proceeds of any life insurance on my life payable to such minors and any other property, rights or claims with respect to which I am entitled to appoint a guardian and have not otherwise specifically done so. The Guardian shall have full authority to use such assets, both principal and income, in any manner the Guardian shall deem advisable for the best interests of the minor, including preparatory, college and graduate education, and professional, vocational or technical training, without securing a court order. IN WITNESS WHEREOF, I have hereunto set my hand and seal this 1�0 day of June, 2011. {A2431513:1} (SEAL) ANE C. TURNER Signed, sealed, published and declared by the above named JANE C. TURNER, as and for a Codicil to her last Will, in the presence of us and each of us, who, at her request and in her presence and in the presence of each other, have hereunto subscribed our names as witnesses thereto the day and year last above written. Residing at M�chv��csb,r� P A Residing at _PA (A2431513:1) - 2 - COMMONWEALTH OF PENNSYLVANIA ss: COUNTY OF � PhlO We, JANE C. TURNER, the testatrix, and and JeQv1 0. Yeakle the witnesses, whose names are signed to the attached or foregoing instrument, being first duly sworn, do hereby declare to the undersigned authority that the testatrix signed and executed the instrument as a Codicil to the testatrix's last Will; that the testatrix signed willingly and executed it as her free and voluntary act for the purposes therein expressed; that each subscribing witness in the hearing and sight of the testatrix signed the Codicil as a witness and that to the best of his or her knowledge the testatrix was at that time 18 years of age or older, of sound mind and under no constraint or undue influence. NE C. TURNER Witness Wi s Subscribed, sworn to and acknowledged before me by JANE C. TURNER, the testatrix, and subscribed and sworn to before me by 0f�dllf� J • Gu,A,f'A and J-e4„ �. Yemc(' witnesses, this f5-A day of June 2011. Notary Public (SEAL) COMMONWEALTH OF PENNSYLVANIA Notarial Seal Marianne H.Aai,Notary pubik City of Harrisburg,Deiphin My commission ExPlres June 10 014 (A2431513:1) - 3 - r. P CODICIL TO LAST WILL AND TESTAMENT OF JANE C. TURNER I, JANE C. TURNER, of Cumberland County, Pennsylvania, make this Codicil to my Will dated March 25, 2010, and amended by Codicil dated June 15, 2011, which I hereby reaffirm, except as follows: a:. o 1. I hereby revoke Article Three of my said Will in its entirety substitute the following new Article Three in its stead: ARTICLE THREE n r-n APPOINTMENT OF FIDUCIARIES § 3.1 1 appoint CHARLES W. TURNER as Executor of this Will. If CHARLES W. TURNER is unable or unwilling to act or continue to act, for any reason whatsoever, I appoint CAROLYN T. BENEDICT and ANN TURNER as successor Co-Executors. If either of them is unable or unwilling to act or continue to act for any reason whatsoever, the vacancy shall not be filled and the other then serving shall act or continue to act as sole Executrix. All references herein to the "Executor" shall mean my originally appointed Executor or the successor Co- Executrices or sole Executrix, as the case may be. § 3.2 1 appoint the then serving trustee of My Revocable Trust as Guardian of the estates of any minor beneficiaries under this Will, including the proceeds of any life insurance on my life payable to such minors and any other property, rights or claims with respect to which I am entitled to appoint a guardian and have not otherwise specifically done so. The Guardian shall have full authority to use such assets, both principal and income, in any manner the Guardian shall deem advisable for the best interests of the minor, including preparatory, college and graduate education, and professional, vocational or technical training, without securing a court order. tA2922396:1) S y IN WITNESS WHEREOF, I have hereunto set my hand and seal this 28t" day of June, 2012. {SEAL} E C. TURNER Signed, sealed, published and declared by the above named JANE C. TURNER, as and for a Codicil to her last Will, in the presence of us and each of us, who, at her request and in her presence and in the presence of each other, have hereunto subscribed our names as witnesses thereto the day and year last above written. !�_ u^1 '- Residing at t� — ` 0• Residing at )QU ,4"w f� 1 '1011 {A2922396:1} - 2 . COMMONWEALTH OF PENNSYLVANIA ss: COUNTY OF CUMBERLAND We, JANE C. TURNER, the testatrix, and'Ffadlev Gunn rson and �ea n �• YQA /fie the witnesses, whose names are signed to the attached or foregoing instrument, being first duly sworn, do hereby declare to the undersigned authority that the testatrix signed and executed the instrument as a Codicil to the testatrix's last Will; that the testatrix signed willingly and executed it as her free and voluntary act for the purposes therein expressed; that each subscribing witness in the hearing and sight of the testatrix signed the Codicil as a witness and that to the best of his or her knowledge the testatrix was at that time 18 years of age or older, of sound mind and under no constraint or undue influence. NE C. TURNER Witness �1 W' r}ess Subscribed, sworn to and acknowledged before me by JANE C. TURNER, the testatrix, and subscribed and sworn to before me by I5n..ilZ4 Gn.vro n and witnesses, this 28'" day of June 2012. Notary Public (SEAL) COMMONWEALTH OF PENNSYLVANIA Notarial Seal I Marianne H.Acrl,Notary Public City of HarrLSba Dauphin County ' My Commission 6iplres June 10,2014 {A2922396:1} - 3 -