| (in millions of USD, except per-share data) | Q1 FY 26 | Q4 FY 25 | Q3 FY 25 | Q2 FY 25 | Q1 FY 25 | Q4 FY 24 | Q3 FY 24 | Q2 FY 24 | Q1 FY 24 | Q4 FY 23 | Q3 FY 23 | Q2 FY 23 | Q1 FY 23 | Q4 FY 22 | Q3 FY 22 | Q2 FY 22 | Q1 FY 22 | Q4 FY 21 | Q3 FY 21 | Q2 FY 21 | Q1 FY 21 | Q4 FY 20 | Q3 FY 20 | Q2 FY 20 | Q1 FY 20 | Q4 FY 19 | Q3 FY 19 | Q2 FY 19 | Q1 FY 19 | Q4 FY 18 | Q3 FY 18 | Q2 FY 18 | Q1 FY 18 | Q4 FY 17 | Q3 FY 17 | Q2 FY 17 | Q1 FY 17 | Q4 FY 16 | Q3 FY 16 | Q2 FY 16 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenues | ||||||||||||||||||||||||||||||||||||||||
| Revenues | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | ||||||||||||||||||||||||
| (in millions of USD, except per-share data) | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | FY2015 | FY2014 | FY2013 | FY2012 | FY2011 | FY2010 | FY2009 | FY2008 | FY2007 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenues | ||||||||||||||||||||
| Revenues | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | ||
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |||
| Operating Expenses | ||||||||||||||||||||
| Research & Development | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |||||
| Operating Income | ||||||||||||||||||||
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | ||||||
| Non-Operating | ||||||||||||||||||||
| Interest Income | 2,620.5 | 2,627.3 | 2,619.0 | 2,592.3 | 2,031.6 | 1,776.8 | 2,021.7 | 2,331.0 | 1,935.4 | 1,437.3 | 1,077.2 | 831.1 | 674.3 | 551.2 | 491.3 | |||||
| Tax & Net | ||||||||||||||||||||
| Income Tax Expense | 241.5 | 247.7 | 190.3 | 196.9 | 161.7 | 379.8 | 273.3 | 165.5 | 71.9 | 202.5 | 164.1 | 164.8 | 140.0 | 158.9 | 126.1 | |||||
| Per Share | ||||||||||||||||||||
| EPS Basic | 3.75 | 3.52 | 2.73 | 2.44 | 1.78 | 3.67 | 2.27 | 1.31 | 1.08 | 0.63 | 0.54 | 0.60 | 0.43 | 0.59 | 0.46 | 1.19 | ||||
| Supplementary Data | ||||||||||||||||||||
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |||
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | ||||||||||||||||||||||||||||||||||||||||
| Research & Development | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Selling General & Administrative | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | ||||||||||||||||||||||||
| Selling & Marketing | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |||||||||||||||||||||||
| General & Administrative | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |||||||||||||||||||||||
| Depreciation & Amortization | 4.3 | - | - | - | 4.0 | - | - | - | 4.7 | - | - | - | 4.5 | - | - | - | ||||||||||||||||||||||||
| Amortization of Intangibles | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 2.0 | 1.0 | 1.0 | 1.0 | 2.6 | 2.8 | 2.2 | 2.3 | 2.5 | 2.3 | 2.4 | 0.7 | |||||||||||||||||||||||
| Other Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |||||||||||||||||||||||
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | ||||||||||||||||||||||||
| Operating Income | ||||||||||||||||||||||||||||||||||||||||
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Non-Operating | ||||||||||||||||||||||||||||||||||||||||
| Interest Income | 649.3 | 656.8 | 657.6 | 656.8 | 656.1 | 661.4 | 652.6 | 641.5 | 663.6 | 668.6 | 652.3 | 633.9 | 637.6 | 583.6 | 519.9 | 463.0 | 465.0 | 458.4 | 447.6 | 434.7 | 436.2 | 479.6 | 482.4 | 484.8 | 574.9 | 600.5 | 590.4 | 573.7 | 566.5 | 538.2 | 497.6 | 462.3 | 437.2 | 399.5 | 366.2 | 342.1 | 329.5 | 300.0 | 272.5 | 255.2 |
| Interest Expense | - | - | - | - | - | - | - | - | 276.5 | 282.7 | 267.6 | 247.3 | 232.5 | 202.2 | 150.4 | 100.2 | 90.0 | 91.1 | ||||||||||||||||||||||
| Income From Equity Investments | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |||||||||||||||||||||||
| Other Non-Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |||||||||||||||||||||||
| Pre-Tax Income | 400.4 | 316.0 | 185.8 | 87.6 | 403.1 | 132.2 | (59.6) | 338.5 | 387.5 | 225.3 | 40.6 | 356.5 | 155.9 | (96.5) | 104.7 | 456.4 | ||||||||||||||||||||||||
| Tax & Net | ||||||||||||||||||||||||||||||||||||||||
| Income Tax Expense | 92.4 | 82.8 | 50.0 | 16.4 | 98.6 | 20.6 | (14.4) | 86.6 | 97.6 | 56.8 | 11.2 | 91.5 | 37.3 | (19.5) | 29.6 | 114.3 | 37.4 | 103.7 | 19.4 | 53.2 | 203.5 | 127.3 | 55.2 | (30.7) | 121.5 | 34.7 | 40.7 | 33.8 | 56.3 | 44.4 | (53.7) | 40.1 | 41.0 | 66.2 | 40.6 | 44.7 | 51.0 | 43.1 | 47.6 | 34.6 |
| Net Income From Continuing Ops | 308.0 | 233.2 | 135.9 | 71.3 | 304.5 | 111.6 | (45.2) | 252.0 | 289.9 | 168.4 | 29.4 | 265.1 | 118.5 | (77.0) | 75.2 | 342.1 | 128.8 | |||||||||||||||||||||||
| Net Income From Discontinued Ops | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |||||||||||||||||||||||
| Net Income | 308.0 | 233.2 | 135.9 | 71.3 | 304.5 | 111.6 | (45.2) | 252.0 | 289.9 | 168.4 | 29.4 | 265.1 | 118.5 | (77.0) | 75.2 | 342.1 | 128.8 | |||||||||||||||||||||||
| Net Income Attributable To Parent | 308.0 | 233.2 | 135.9 | 71.3 | 304.5 | 111.6 | (45.2) | 252.0 | 289.9 | 168.4 | 29.4 | 265.1 | 118.5 | (77.0) | 75.2 | 342.1 | ||||||||||||||||||||||||
| Less: Minority Interest | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | ||||||||||||||||||||||
| Less: Preferred Dividends | 3.6 | 3.8 | 4.0 | 4.0 | 4.0 | 4.4 | 4.6 | 4.6 | 4.7 | 4.7 | 4.6 | 4.3 | 4.1 | 3.5 | 2.5 | 1.8 | 1.3 | |||||||||||||||||||||||
| Net Income To Common Shareholders | 304.4 | 229.4 | 131.9 | 67.3 | 300.6 | 107.2 | (49.8) | 247.4 | 285.3 | 163.7 | 24.7 | 260.8 | 114.5 | (80.5) | 72.6 | |||||||||||||||||||||||||
| Per Share | ||||||||||||||||||||||||||||||||||||||||
| EPS Basic | 1.56 | - | 0.64 | 0.32 | 1.43 | - | (0.23) | 1.13 | 1.29 | - | 0.11 | 1.11 | 0.47 | - | 0.29 | 1.30 | 0.46 | - | 0.24 | 0.45 | 1.77 | - | 0.45 | (0.23) | 0.88 | - | 0.29 | 0.34 | 0.35 | - | 0.23 | 0.24 | 0.28 | - | 0.17 | 0.15 | 0.21 | - | 0.12 | 0.12 |
| EPS Diluted | 1.54 | - | 0.63 | 0.32 | 1.40 | - | (0.23) | 1.11 | 1.27 | - | 0.11 | 1.10 | 0.47 | - | 0.29 | 1.29 | 0.45 | - | ||||||||||||||||||||||
| Shares Basic | 195.5 | - | 207.1 | 209.3 | 210.7 | - | 214.9 | 218.9 | 220.4 | - | 226.1 | 235.1 | 241.5 | - | 251.3 | 261.3 | 277.0 | - | ||||||||||||||||||||||
| Shares Diluted | 197.9 | - | 210.6 | 213.2 | 215.0 | - | 214.9 | 222.5 | 223.8 | - | 228.8 | 237.6 | 243.5 | - | 253.7 | 264.1 | 280.7 | - | ||||||||||||||||||||||
| Supplementary Data | ||||||||||||||||||||||||||||||||||||||||
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| EBIT | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |||||||||||||||||||||
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| Selling General & Administrative | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Selling & Marketing | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| General & Administrative | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Depreciation & Amortization | - | 16.2 | 17.7 | 17.8 | 17.3 | 16.0 | 15.1 | 14.7 | 13.8 | 11.2 | 9.6 | 7.4 | 6.1 | 5.1 | 6.8 | 17.5 | - | - | - | - |
| Amortization of Intangibles | 4.0 | 4.0 | 5.0 | 10.0 | 8.0 | 0.0 | 0.0 | - | - | 0.5 | 0.9 | 1.5 | 3.3 | 3.3 | 13.1 | 4.1 | 31.0 | - | - | - |
| Other Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | 518.7 | 538.1 | 574.3 | 557.0 | 448.6 | 385.4 | 349.1 | 274.9 | 270.5 | 253.8 | 287.6 | 1,130.0 | 1,043.0 | 1,029.5 | - |
| - |
| - |
| - |
| - |
| - |
| - |
| 472.3 |
| 5,754.0 |
| 4,758.0 |
| 7,269.6 |
| 8,674.0 |
| Interest Expense | - | - | - | 1,030.1 | 542.8 | 382.1 | 541.7 | 707.7 | 522.3 | 308.1 | 185.9 | 128.6 | 95.8 | 89.1 | 82.9 | 105.4 | 2,275.0 | 3,035.0 | 5,905.4 | 7,085.8 |
| Income From Equity Investments | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Other Non-Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Pre-Tax Income | 989.8 | 992.6 | 798.6 | 778.3 | 630.7 | 1,540.3 | 1,154.0 | 743.7 | 559.3 | 491.5 | 414.4 | 439.1 | 333.8 | 416.5 | 341.9 | 87.8 | 1,229.0 | 808.0 | (34.2) | (492.1) |
| 34.4 |
| 500.0 |
| 264.0 |
| (36.7) |
| 408.3 |
| Net Income From Continuing Ops | 748.3 | 744.8 | 608.3 | 581.4 | 469.0 | 1,160.5 | 880.7 | 578.3 | 487.5 | 288.9 | 250.3 | 274.3 | 193.8 | 1,311.0 | 939.0 | 597.0 | 729.0 | 544.0 | 2.5 | (900.4) |
| Net Income From Discontinued Ops | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Net Income | 748.3 | 744.8 | 608.3 | 581.4 | 469.0 | 1,160.5 | 880.7 | 578.3 | 487.5 | 288.9 | 250.3 | 274.3 | 193.8 | 257.6 | 215.7 | 53.4 | 530.0 | 324.0 | (212.6) | (894.1) |
| Net Income Attributable To Parent | 748.3 | 744.8 | 608.3 | 581.4 | 469.0 | 1,160.5 | 880.7 | 578.3 | 487.5 | 288.9 | 250.3 | 274.3 | 194.2 | 258.9 | 217.6 | 54.2 | 530.0 | 324.0 | (212.6) | (896.4) |
| Less: Minority Interest | - | - | - | - | - | - | - | - | - | - | 0.0 | 0.0 | (0.4) | (1.4) | (1.9) | (0.8) | - | 0.8 | 3.9 | 2.3 |
| Less: Preferred Dividends | 15.3 | 15.7 | 18.3 | 17.7 | 9.0 | 4.7 | 9.7 | 16.8 | 15.6 | 15.7 | 21.2 | 19.6 | 12.9 | 0.0 | 0.0 | 18.0 | 72.0 | 146.0 | 111.2 | 37.1 |
| Net Income To Common Shareholders | 732.9 | 729.1 | 590.0 | 563.7 | 460.0 | 1,155.8 | 871.0 | 561.4 | 471.8 | 273.2 | 229.1 | 254.7 | 181.3 | 258.9 | 217.6 | 615.0 | 458.0 | 178.0 | (323.8) | (933.5) |
| 0.94 |
| 0.38 |
| (0.69) |
| (2.26) |
| EPS Diluted | 3.70 | 3.46 | 2.68 | 2.41 | 1.76 | 3.61 | 2.25 | 1.30 | 1.07 | 0.62 | 0.53 | 0.59 | 0.42 | 0.58 | 0.45 | 1.18 | 0.94 | 0.38 | (0.69) | (2.26) |
| Shares Basic | 195.5 | 207.2 | 216.2 | 231.4 | 258.4 | 315.0 | 383.7 | 427.3 | 435.1 | 431.2 | 427.9 | 425.6 | 424.0 | 440.1 | 476.1 | 517.0 | 487.0 | 471.0 | 466.6 | 412.2 |
| Shares Diluted | 197.9 | 210.9 | 219.9 | 234.1 | 261.5 | 319.9 | 387.2 | 430.7 | 439.7 | 438.6 | 432.9 | 432.2 | 432.3 | 448.5 | 482.9 | 523.0 | 488.0 | 472.0 | 466.6 | 412.2 |
| - |
| - |
| - |
| EBIT | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| 4.2 |
| - |
| - |
| - |
| 3.7 |
| - |
| - |
| - |
| 3.9 |
| - |
| - |
| - |
| 3.6 |
| - |
| - |
| - |
| 3.1 |
| - |
| - |
| - |
| 2.6 |
| - |
| - |
| - |
| 0.0 |
| 0.0 |
| 0.0 |
| 0.0 |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| 0.1 |
| - |
| - |
| - |
| 0.1 |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| 125.5 |
| 140.6 |
| 128.0 |
| 124.5 |
| 121.7 |
| 127.5 |
| 141.6 |
| 147.3 |
| - |
| 153.6 |
| - |
| - |
| 146.2 |
| 150.6 |
| 135.2 |
| 124.9 |
| 118.6 |
| 116.1 |
| 111.3 |
| 102.7 |
| 98.0 |
| 99.7 |
| 94.8 |
| 90.0 |
| 95.9 |
| 105.0 |
| 113.0 |
| 117.8 |
| 136.0 |
| 174.8 |
| 181.4 |
| 185.3 |
| 176.9 |
| 164.2 |
| 155.3 |
| 141.0 |
| 121.4 |
| 104.6 |
| 90.3 |
| 84.2 |
| 72.2 |
| 61.4 |
| 54.6 |
| 49.3 |
| 42.5 |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| 166.2 |
| 409.9 |
| 92.2 |
| 193.4 |
| 844.7 |
| 560.0 |
| 226.2 |
| (115.9) |
| 483.7 |
| 176.0 |
| 169.2 |
| 184.1 |
| 214.5 |
| 192.0 |
| 50.2 |
| 149.9 |
| 167.3 |
| 113.2 |
| 117.0 |
| 115.3 |
| 146.0 |
| 113.4 |
| 104.5 |
| 91.8 |
| 306.3 |
| 72.8 |
| 140.2 |
| 641.2 |
| 432.7 |
| 171.0 |
| (85.2) |
| 362.2 |
| 141.4 |
| 128.5 |
| 150.3 |
| 158.2 |
| 147.5 |
| 103.9 |
| 109.8 |
| 126.3 |
| 47.0 |
| 76.4 |
| 70.6 |
| 94.9 |
| 70.2 |
| 57.0 |
| 57.2 |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| 306.3 |
| 72.8 |
| 140.2 |
| 641.2 |
| 432.7 |
| 171.0 |
| (85.2) |
| 362.2 |
| 141.4 |
| 128.5 |
| 150.3 |
| 158.2 |
| 147.5 |
| 103.9 |
| 109.8 |
| 126.3 |
| 47.0 |
| 76.4 |
| 70.6 |
| 94.9 |
| 70.2 |
| 57.0 |
| 57.2 |
| 128.8 |
| 306.3 |
| 72.8 |
| 140.2 |
| 641.2 |
| 432.7 |
| 171.0 |
| (85.2) |
| 362.2 |
| 141.4 |
| 128.5 |
| 150.3 |
| 158.2 |
| 147.5 |
| 103.9 |
| 109.8 |
| 126.3 |
| 47.0 |
| 76.4 |
| 70.6 |
| 94.9 |
| 70.2 |
| 57.0 |
| 57.2 |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| 1.2 |
| 1.2 |
| 1.2 |
| 1.2 |
| 1.7 |
| 2.1 |
| 2.5 |
| 3.5 |
| 3.9 |
| 4.2 |
| 4.3 |
| 4.5 |
| 4.2 |
| 4.1 |
| 3.9 |
| 3.4 |
| 3.1 |
| 3.0 |
| 4.0 |
| 5.6 |
| 5.5 |
| 5.3 |
| 5.2 |
| 340.3 |
| 127.5 |
| 305.1 |
| 71.7 |
| 139.0 |
| 640.0 |
| 431.0 |
| 169.0 |
| (87.7) |
| 358.7 |
| 137.5 |
| 124.3 |
| 145.9 |
| 153.7 |
| 143.3 |
| 99.8 |
| 105.9 |
| 122.9 |
| 43.9 |
| 73.3 |
| 66.6 |
| 89.4 |
| 64.7 |
| 51.6 |
| 52.0 |
| 0.24 |
| 0.44 |
| 1.75 |
| - |
| 0.45 |
| (0.23) |
| 0.87 |
| - |
| 0.29 |
| 0.34 |
| 0.35 |
| - |
| 0.23 |
| 0.24 |
| 0.28 |
| - |
| 0.17 |
| 0.15 |
| 0.20 |
| - |
| 0.12 |
| 0.12 |
| 299.9 |
| 312.2 |
| 361.0 |
| - |
| 375.1 |
| 375.0 |
| 409.8 |
| - |
| 424.1 |
| 429.3 |
| 434.6 |
| - |
| 435.5 |
| 435.2 |
| 434.0 |
| - |
| 431.7 |
| 431.2 |
| 429.9 |
| - |
| 428.1 |
| 427.9 |
| 304.5 |
| 317.1 |
| 366.2 |
| - |
| 377.9 |
| 375.0 |
| 412.8 |
| - |
| 427.3 |
| 432.3 |
| 438.2 |
| - |
| 440.0 |
| 439.4 |
| 439.0 |
| - |
| 438.4 |
| 438.1 |
| 438.7 |
| - |
| 433.5 |
| 431.8 |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |