Travel with
Confidence

TERMS OF SERVICE – Campagnaro Wealth Advisory

Effective Date: [Insert Date]
Last Updated: [Insert Date]

1. Acceptance of These Terms

These Terms of Service (the “Terms”) govern your access to and use of the website, landing pages, booking pages, downloadable resources, communications, and related services offered by Campagnaro Wealth Advisory Corp. (“Campagnaro Wealth Advisory”, “we”, “us”, or “our”).

By accessing or using our website or services, submitting a form, downloading a resource, booking a consultation, requesting information, or otherwise interacting with us online, you agree to be bound by these Terms and our Privacy Policy. If you do not agree with these Terms, do not use our website or services.

2. About Campagnaro Wealth Advisory

Campagnaro Wealth Advisory is an independent advisory business focused on helping clients improve their financial circumstances through a client-centered, needs-based approach. We provide insurance and wealth advisory-related services, including services relating to financial protection, life insurance, retirement planning discussions, estate planning discussions, and related strategies for individuals, families, and business owners.

Campagnaro Wealth Advisory currently serves clients in British Columbia, Alberta, Saskatchewan, and Manitoba, subject to licensing, regulatory, and product availability requirements.

We may represent or be contracted with multiple insurers and may place business through one or more managing general agencies. We may also use third-party platforms and technology tools to support booking, communications, digital applications, and client servicing.

Unless expressly stated otherwise in a separate written agreement, Campagnaro Wealth Advisory does not underwrite insurance, issue insurance policies, or guarantee approval. Insurance products are issued by third-party insurers and remain subject to insurer underwriting, terms, conditions, limitations, exclusions, and approval requirements.

3. Scope of Website and Services

Our website may allow you to:

• learn about our advisory services;
• download educational resources, guides, or lead magnets;
• request a consultation;
• book a meeting or appointment;
• submit contact information or intake details;
• access or be redirected to third-party tools, booking systems, or insurance application platforms; and
• communicate with us about insurance, financial protection, or wealth planning matters.

Any information provided through our website is for general informational and marketing purposes unless we expressly agree in writing to provide specific advisory services to you.

4. No Legal, Tax, Accounting, or Other Professional Advice

Unless expressly agreed in writing, Campagnaro Wealth Advisory does not provide legal advice, legal services, accounting services, tax return preparation, tax compliance services, or formal legal opinions.

Information on our website, in downloadable materials, in emails, or in general discussions should not be relied upon as legal, accounting, or tax advice. If you require legal, tax, accounting, or other specialized advice, you should consult a qualified professional in that field.

5. No Client Relationship Solely by Website Use

Your use of our website, submission of a contact form, download of a resource, or booking of a consultation does not by itself create a long-term advisory, broker-client, or ongoing service relationship beyond the scope of the interaction requested.

A client relationship requiring advice, implementation, or ongoing servicing may be formed only when:

• we agree to work together;
• any required disclosures and consents are completed;
• we determine that we are appropriately licensed and able to serve you in your jurisdiction; and
• any required application, engagement, or onboarding steps are completed.

6. Jurisdictional and Licensing Limitations

Our services are intended for individuals and businesses located in jurisdictions where we are licensed or otherwise permitted to provide the relevant services.

The availability of a product, recommendation, or advisory service may depend on:

• your province or territory of residence;
• licensing restrictions;
• insurer availability;
• underwriting criteria;
• product suitability; and
• applicable laws and regulations.

We reserve the right to refuse or limit services where we are not licensed, where a requested service is outside our scope, or where legal, compliance, underwriting, or operational constraints apply.

7. Nature of Insurance and Advisory Services

Campagnaro Wealth Advisory uses a client-centered, needs-based process. Depending on your circumstances, this may include:

• reviewing financial and insurance information you provide;
• discussing goals, obligations, and protection priorities;
• identifying insurance or related planning needs;
• preparing a written analysis, recommendation, or product illustration;
• facilitating applications, implementation, or policy placement; and
• providing follow-up or periodic review services where applicable.

Any recommendation we provide is based on the information made available to us and the assumptions reasonably relied upon at the time. Recommendations may change if your personal, financial, family, health, business, or tax circumstances change.

8. No Guarantee of Coverage, Results, or Product Approval

We do not guarantee:

• that any insurance product will be available to you;
• that any application will be approved;
• that any insurer will offer coverage at a particular premium or rating;
• that any product recommendation will remain available in the future; or
• that use of our website, lead magnets, or educational content will produce any specific result.

Insurance approvals, pricing, policy terms, exclusions, underwriting decisions, and coverage terms are determined by the insurer and applicable law.

9. Client Responsibilities and Accuracy of Information

You agree to provide complete, accurate, and up-to-date information when interacting with us, requesting advice, booking a consultation, or applying for insurance.

You are responsible for:

• reviewing the information you provide to us for accuracy;
• promptly notifying us of material changes to your circumstances, such as marriage, separation, divorce, birth of a child, inheritance, job loss, business changes, insolvency, or changes in health or financial circumstances;
• reviewing any recommendations, illustrations, or application materials carefully; and
• obtaining independent legal, tax, accounting, or other professional advice where needed.

We are entitled to rely on the information you provide unless we have reason to believe it is incomplete, inconsistent, or inaccurate.

10. Compensation and Referral Arrangements

Campagnaro Wealth Advisory may receive compensation from insurers, managing general agencies, or product providers in connection with insurance or related products placed through our business. We may also maintain referral relationships and may, where permitted by law, thank clients or professional contacts for introductions or referrals.

Additional disclosure about compensation, product placement, and business relationships may be provided through client disclosure documents, engagement materials, or as otherwise required by law.

11. Educational Content and Lead Magnets

We may provide guides, checklists, videos, webinars, planning resources, and other educational materials, including lead magnets such as insurance or financial planning resources. These materials are intended for general educational and informational purposes only and do not constitute individualized advice, an insurance recommendation, or a guarantee that a product or strategy is suitable for you.

You should not make insurance, legal, tax, investment, or business decisions based solely on educational materials without obtaining advice tailored to your circumstances.

12. Booking, Consultations, and Third-Party Platforms

Our website may allow you to book consultations, request calls, or submit forms through third-party platforms. We may also use third-party platforms for scheduling, intake, CRM, communications, digital applications, and workflow management.

For example, we may use Microsoft Bookings to schedule appointments and consultations.

Your use of those third-party tools may also be subject to the provider’s own terms, privacy policies, and service conditions. We are not responsible for third-party platform content, uptime, security, availability, or contractual terms, except to the extent required by law.

13. Electronic Communications, CASL, and Consent to Contact

By submitting your contact information to us, requesting a consultation, downloading a resource, or otherwise interacting with our website, you consent to receive communications from us relating to your inquiry, requested services, bookings, and client servicing.

Where required under Canada’s Anti-Spam Legislation (“CASL”), we will seek your consent before sending commercial electronic messages such as newsletters, event invitations, promotions, or marketing updates. You may unsubscribe from marketing communications at any time.

If you provide your phone number, you consent to us contacting you by phone or text regarding your inquiry, appointments, reminders, follow-up, and service-related communications. If you separately consent, appointment reminders or similar messages may be sent using automated technology.

14. Privacy

Your use of our website and services is also governed by our Privacy Policy, which explains how we collect, use, disclose, and protect personal information. By using our website or services, you acknowledge that you have read and understood our Privacy Policy.

15. Intellectual Property

All content on our website, including text, graphics, branding, logos, layouts, lead magnets, guides, downloadable resources, page designs, and other materials, is owned by Campagnaro Wealth Advisory or used under licence, and is protected by copyright, trademark, and other applicable laws.

You may access and use our website and materials for your personal, non-commercial use only. You may not, without our prior written permission:

• copy, reproduce, republish, sell, license, distribute, or commercially exploit our content;
• remove proprietary notices;
• frame, mirror, scrape, or systematically extract website content; or
• modify or create derivative works from our content for commercial use.

16. Acceptable Use of the Website

You agree not to:

• use the website in violation of any law or regulation;
• submit false, misleading, or fraudulent information;
• attempt to gain unauthorized access to systems, accounts, or data;
• interfere with the operation or security of the website;
• use bots, scraping tools, or automated means to harvest information from the website without authorization;
• upload malicious code or harmful content; or
• use our website or content in a way that infringes the rights of Campagnaro Wealth Advisory or any third party.

17. Third-Party Links and External Resources

Our website may contain links to third-party websites, insurer pages, booking tools, social media pages, videos, calculators, application platforms, or external resources. These are provided for convenience only.

We do not control and are not responsible for:

• the content, accuracy, availability, or security of third-party websites;
• any products or services offered by third parties; or
• the privacy, contractual, or operational practices of third-party providers.

Your use of third-party websites or services is at your own risk and subject to their terms.

18. Website Availability and No Warranty

We aim to keep our website and services available and reasonably current, but we do not guarantee that the website, forms, scheduling tools, or downloadable materials will be uninterrupted, error-free, secure, or always available.

To the maximum extent permitted by law, the website and all content and services provided through it are provided on an “as is” and “as available” basis without warranties of any kind, whether express, implied, or statutory, including any implied warranties of merchantability, fitness for a particular purpose, title, accuracy, availability, or non-infringement.

19. Limitation of Liability

To the fullest extent permitted by law, Campagnaro Wealth Advisory, its directors, officers, employees, contractors, agents, affiliates, representatives, and service providers will not be liable for any direct, indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, business opportunity, goodwill, data, revenue, savings, or anticipated benefits arising from or related to:

• your use of or inability to use the website;
• reliance on website content, lead magnets, or educational materials;
• errors, omissions, interruptions, delays, or technical failures;
• third-party tools, links, platforms, or service providers;
• denial, modification, pricing, or cancellation of an insurance product by an insurer; or
• any action taken or not taken based on information available through the website.

Nothing in these Terms limits liability where such limitation is prohibited by applicable law.

20. Indemnity

You agree to indemnify, defend, and hold harmless Campagnaro Wealth Advisory and its directors, officers, employees, contractors, agents, affiliates, and representatives from and against any claims, losses, liabilities, damages, costs, and expenses (including reasonable legal fees) arising from or related to:

• your misuse of the website;
• your breach of these Terms;
• your violation of any law or the rights of a third party; or
• false, incomplete, misleading, or unauthorized information submitted by you.

21. Suspension or Termination

We reserve the right, in our discretion, to restrict, suspend, or terminate access to our website or services, or decline to engage with a prospective client, at any time and without notice where reasonably necessary for legal, compliance, security, operational, licensing, or business reasons.

22. Changes to These Terms

We may update these Terms from time to time. Updated Terms will be posted on our website with a revised “Last Updated” date. By continuing to use the website after updated Terms are posted, you agree to the revised Terms to the extent permitted by law.

23. Governing Law

These Terms are governed by the laws of Canada and the applicable laws of the province in which Campagnaro Wealth Advisory is licensed to provide services, without regard to conflict of law principles.

Any dispute arising out of or relating to these Terms, the website, or the services shall be brought before a court of competent jurisdiction in Canada, unless applicable law requires otherwise.

24. Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable, that provision will be severed and the remaining provisions will remain in full force and effect to the fullest extent permitted by law.

25. Entire Agreement

These Terms, together with our Privacy Policy and any other written agreement you enter into with Campagnaro Wealth Advisory, constitute the entire agreement between you and us with respect to your use of the website and supersede prior discussions or understandings relating to that subject matter, except where a separate signed agreement expressly governs.

26. Contact Us

If you have questions about these Terms, please contact:

Campagnaro Wealth Advisory Corp.
Founder: Mauro Campagnaro
Email: info@campagnarowealth.ca
Phone: +1 587 760 1877
Website: campagnarowealth.ca

PRIVACY POLICY – Campagnaro Wealth Advisory

Effective Date: 06/07/2026
Last Updated: 06/07/2026

1. Introduction

Campagnaro Wealth Advisory Corp. (“Campagnaro Wealth Advisory”, “we”, “us”, or “our”) is committed to protecting the privacy, confidentiality, and security of personal information entrusted to us.

We provide independent insurance and wealth advisory services to individuals, families, and business owners in Canada, including services relating to life insurance, financial protection planning, retirement planning discussions, estate planning discussions, and related wealth advisory strategies. We are an independent life-licensed advisory business with access to multiple insurance carriers and may work with managing general agencies and service providers to support our advisory and insurance placement services.

This Privacy Policy explains how we collect, use, disclose, retain, and protect personal information through our website, online forms, lead magnets, consultation funnels, booking tools, and our advisory services.

We handle personal information in accordance with applicable Canadian privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA) and other applicable federal or provincial privacy requirements.

2. Scope of This Policy

This Privacy Policy applies to personal information collected by Campagnaro Wealth Advisory through:

• our website(s), including landing pages, consultation pages, booking pages, and thank-you pages;
• online forms, contact forms, lead magnet opt-ins, consultation requests, and event registrations;
• email, phone, SMS/text, video calls, and other communications with us;
• insurance discovery, fact-finding, financial needs analysis, and client onboarding processes;
• applications, questionnaires, and documentation provided for insurance or related advisory services;
• third-party scheduling, CRM, automation, and application platforms we use in the course of our business; and
• ongoing client servicing and relationship management.

This Privacy Policy does not replace any insurer-specific, MGA-specific, or platform-specific privacy disclosures you may receive when applying for an insurance product or using a third-party service.

3. Who We Are

Campagnaro Wealth Advisory Corp. is an independent advisory business that helps clients assess insurance and financial protection needs and, where appropriate, facilitates access to insurance and related financial products offered by third-party insurers and providers.

Campagnaro Wealth Advisory currently serves clients in British Columbia, Alberta, Saskatchewan, and Manitoba, subject to licensing, regulatory, and product availability requirements.

4. What Personal Information We Collect

Depending on how you interact with us, we may collect the following categories of personal information.

A. Contact and identity information

• full name
• email address
• phone number
• mailing address
• province of residence
• date of birth
• marital or family status, where relevant to planning
• preferred method of communication

B. Financial and planning information

• information about your financial goals, obligations, assets, liabilities, income, savings, and protection priorities
• retirement, estate, business succession, and family protection planning information
• information relevant to insurance needs analysis or product suitability

C. Insurance and application information

Where you request insurance advice, a quote, or an application, we may collect information such as:

• insurance objectives and coverage preferences
• existing insurance coverage information
• beneficiary-related information where provided
• underwriting-related information
• information required to prepare an illustration, recommendation, quote, or application

D. Sensitive personal information

Depending on the service requested, insurers or underwriting processes may require sensitive information, which may include:

• health and medical information
• prescription and treatment information
• lifestyle information relevant to underwriting
• employment and income details
• government-issued identification or other verification information where required by an insurer or applicable process

We only collect sensitive information where reasonably necessary for the services requested, with appropriate consent or as otherwise permitted or required by law.

E. Website and technical usage information

When you use our website, we may automatically collect certain technical information, such as:

• IP address
• browser type
• device type
• operating system
• pages viewed and time spent on pages
• referral source
• interactions with forms, funnels, and booking pages
• cookie, analytics, and advertising data

F. Communications and marketing information

• records of your inquiries and communications with us
• notes from meetings, calls, or consultations
• whether you have consented to receive marketing or commercial electronic messages
• your preferences relating to newsletters, event invitations, reminders, or educational content

5. How We Collect Personal Information

We collect personal information in a variety of ways, including:

A. Directly from you

For example, when you:

• complete a contact form or lead magnet form;
• book a consultation or appointment;
• request information, a quote, or a review of your current coverage;
• complete a needs analysis, questionnaire, intake form, or application;
• send us an email, text, or direct message; or
• speak with us by phone or video conference.

B. Through your use of our website

We may use cookies, pixels, analytics tools, and similar technologies to collect website usage and performance information.

C. From third parties you authorize or that are involved in the insurance process

Depending on the service, we may receive information from:

• insurers and managing general agencies;
• underwriting or application platforms;
• medical, paramedical, or verification service providers involved in an application;
• your professional advisors, if you ask us to coordinate with them;
• referral sources, where applicable; and
• publicly available or legally permitted sources used to verify information or support an application.

6. Why We Collect and Use Personal Information

We collect, use, and disclose personal information for purposes such as:

• communicating with you about your inquiry, booking, or requested services;
• delivering lead magnets, educational materials, or requested resources;
• conducting a needs-based review of your financial and insurance circumstances;
• preparing recommendations, solution illustrations, and strategy discussions;
• comparing, sourcing, or facilitating access to insurance or related financial products;
• completing, processing, and servicing insurance applications or policy changes;
• coordinating with insurers, managing general agencies, and service providers involved in delivering the requested services;
• maintaining client files and service records;
• scheduling appointments and sending reminders;
• improving our website, services, communications, and marketing effectiveness;
• complying with legal, regulatory, recordkeeping, and licensing obligations;
• preventing fraud, verifying identity, managing risk, and protecting our business; and
• sending commercial electronic messages where you have consented or where permitted by law.

7. Consent

By providing personal information to us, using our website, submitting a form, requesting a consultation, or engaging our services, you consent to our collection, use, and disclosure of your personal information as described in this Privacy Policy, subject to applicable law.

Depending on the circumstances, your consent may be:

• express (for example, by checking a consent box, signing a document, or confirming consent verbally or electronically); or
• implied where reasonably appropriate and permitted by law in the context of your request for services.

You may withdraw your consent to certain uses of your personal information at any time, subject to legal, regulatory, contractual, or operational restrictions. However, if you withdraw consent, we may be unable to provide some or all of the services you requested.

If you provide us with personal information about another individual, you represent that you have the authority and consent to do so.

8. Use of Sensitive Information in Insurance and Advisory Services

Insurance and financial planning-related services often require the collection and sharing of highly sensitive information. If you ask us to assist with insurance recommendations, quotes, applications, or related servicing, your personal information may be disclosed to insurers, managing general agencies, underwriters, application platforms, and other service providers as reasonably necessary to evaluate, process, issue, administer, or service the product or advice requested.

This may include health, financial, lifestyle, and identifying information where required for underwriting, suitability review, compliance, fraud prevention, policy administration, or regulatory obligations.

We strive to limit collection and disclosure to what is reasonably necessary for the service being provided.

9. Disclosure of Personal Information

We do not sell your personal information.

We may disclose personal information in the following circumstances:

A. To insurers and product providers

If you request insurance advice, a quote, an illustration, or an application, we may disclose your information to one or more insurers or product providers to obtain quotes, assess eligibility, process an application, issue coverage, or service a policy.

B. To managing general agencies and intermediaries

We may place business through one or more managing general agencies or similar intermediaries and may disclose personal information to them where reasonably necessary to support insurance placement, administration, compliance, or servicing.

C. To service providers and technology platforms

We may use third-party providers for:

• website hosting
• form collection
• booking and scheduling
• email delivery and automation
• CRM and contact management
• analytics and advertising attribution
• secure document handling
• digital application and quoting workflows

These providers may process information on our behalf and are expected to protect it appropriately.

D. To professional advisors and service partners

Where appropriate and authorized, we may share information with accountants, lawyers, tax professionals, or other advisors involved in your planning.

E. To referral sources or in connection with referral arrangements

If you were referred to us, we may acknowledge or track the referral for internal business purposes. We do not disclose sensitive planning, health, or insurance details to referrers without your consent, unless required by law.

F. As required or permitted by law

We may disclose personal information where required or permitted by law, including in response to lawful requests, court orders, regulatory obligations, fraud prevention requirements, or licensing and compliance obligations.

G. In connection with a business transaction

If Campagnaro Wealth Advisory is involved in a merger, acquisition, financing, restructuring, sale of assets, or similar transaction, personal information may be disclosed as part of that process, subject to appropriate safeguards and legal requirements.

10. Marketing Communications and CASL

If you provide your consent, we may send you commercial electronic messages (“CEMs”) under Canada’s Anti-Spam Legislation (“CASL”), including emails about:

• financial education
• regulatory or market updates
• resources, newsletters, or lead magnets
• event invitations
• promotions or service updates
• reminders relating to consultations or planning opportunities

You can withdraw your consent or unsubscribe from marketing communications at any time by:

• clicking the unsubscribe link in an email, where available;
• contacting us at info@campagnarowealth.ca; or
• otherwise notifying us in writing.

Withdrawing marketing consent will not affect service-related or transactional communications that we may still need to send in connection with your account, inquiry, booking, or requested services.

11. Calls, SMS, and Appointment Reminders

If you provide your phone number, we may contact you by phone, email, and text/SMS regarding:

• your inquiry
• appointment scheduling and reminders
• follow-up regarding a requested consultation
• requested information, documents, or next steps
• service and client relationship communications

If you separately consent, we may also use automated technology to send appointment reminders or follow-up messages. Standard messaging and data rates may apply.

12. Cookies, Analytics, and Similar Technologies

Our website may use cookies, pixels, tags, and similar technologies to:

• keep the website functioning properly;
• understand how visitors use our pages, funnels, and booking flow;
• improve performance and user experience;
• measure campaign effectiveness; and
• support remarketing or advertising, where applicable.

These tools may collect technical and usage information such as device information, pages visited, actions taken, and referral sources.

You can manage some cookie preferences through your browser settings or device settings, although disabling cookies may affect site functionality.

13. Third-Party Platforms and Links

Our website may integrate with or link to third-party services, such as:

• scheduling or booking platforms;
• email marketing or CRM providers;
• insurance quoting or application tools;
• social media platforms; and
• document delivery or form processing tools.

For example, we may use Microsoft Bookings to schedule appointments and consultations.

When you interact with a third-party service, your information may also be governed by that provider’s privacy practices and terms. We encourage you to review those policies where relevant.

14. Cross-Border Processing and Storage

Some of our service providers, insurers, managing general agencies, cloud vendors, software vendors, and technology platforms may store or process personal information outside your province or outside Canada, including in the United States or other jurisdictions.

When personal information is transferred to another jurisdiction, it may be subject to the laws of that jurisdiction and may be accessible to courts, law enforcement, regulators, or national security authorities in accordance with applicable laws.

We take reasonable steps to ensure that third-party providers handling personal information for us are subject to appropriate confidentiality and security obligations.

15. Retention of Personal Information

We retain personal information only for as long as reasonably necessary to fulfill the purposes for which it was collected, to service the client relationship, to comply with legal and regulatory requirements, to resolve disputes, and to enforce our agreements.

Retention periods may vary depending on:

• whether you became a client;
• whether an insurance application was submitted or a policy was placed;
• legal or regulatory recordkeeping obligations;
• complaint handling, audit, or compliance needs; and
• the nature and sensitivity of the information.

When personal information is no longer required, we will securely destroy, delete, anonymize, or otherwise de-identify it, subject to legal obligations.

16. Safeguards

We use administrative, physical, and technological safeguards designed to protect personal information against loss, theft, unauthorized access, use, disclosure, copying, modification, or destruction.

These safeguards may include:

• restricted access to client information;
• password-protected systems and accounts;
• secure storage practices;
• contractual confidentiality obligations with service providers;
• role-based access and data minimization practices; and
• reasonable security procedures appropriate to the sensitivity of the information.

No method of transmission over the internet or electronic storage system is completely secure. While we take reasonable precautions, we cannot guarantee absolute security.

17. Your Privacy Rights

Subject to applicable law, you may have the right to:

• request access to personal information we hold about you;
• request correction of inaccurate or incomplete personal information;
• withdraw consent to certain uses of personal information;
• ask questions about our privacy practices; and
• make a complaint about how your personal information has been handled.

To protect your privacy, we may need to verify your identity before responding to a request.

18. Accuracy and Your Responsibility

We rely on the information you provide to deliver recommendations, planning support, and insurance-related services. You are responsible for ensuring that the information you provide is accurate, complete, and up to date, and for informing us of material changes that may affect our advice or the products under consideration.

19. Children’s Privacy

Our website and services are intended for adults and are not directed to children. We do not knowingly collect personal information from children through the website except where information about dependants or beneficiaries is provided by a parent, guardian, or authorized individual in connection with legitimate insurance or financial planning services.

20. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our services, legal obligations, technology, or business practices. When we do, we will post the updated version on our website and revise the “Last Updated” date above. Continued use of our website or services after changes are posted may constitute acceptance of the updated policy to the extent permitted by law.

21. Contact Us

If you have questions about this Privacy Policy, wish to access or correct your personal information, withdraw consent, or make a privacy-related complaint, please contact:

Campagnaro Wealth Advisory Corp.
Attention: Privacy Officer / Mauro Campagnaro
Canada
Email: info@campagnarowealth.ca
Phone: +1 587 760 1877
Website: campagnarowealth.ca

If you are not satisfied with our response to a privacy concern, you may have the right to contact the Office of the Privacy Commissioner of Canada or another applicable regulator.

________________________________________________________________________