{"id":2927,"date":"2013-08-23T17:09:00","date_gmt":"2013-08-23T09:09:00","guid":{"rendered":"https:\/\/blog.17rich.com\/?p=2927"},"modified":"2023-03-13T16:10:46","modified_gmt":"2023-03-13T08:10:46","slug":"how-much-life-insurance-do-you-need","status":"publish","type":"post","link":"https:\/\/blog.17rich.com\/how-much-life-insurance-do-you-need\/","title":{"rendered":"\u4f60\u7684\u4fdd\u96aa\u8cac\u4efb\u8a72\u6709\u591a\u5c11\uff1f5\u6b65\u9a5f\u8a66\u7b97\u5de5\u5177\u5e6b\u4f60\u7b97\u6e05\u695a\uff01"},"content":{"rendered":"<p style=\"display: none;\"><img decoding=\"async\" style=\"float: none; margin-left: auto; display: block; margin-right: auto;\" title=\"\u8d85\u4eba\" src=\"http:\/\/lh6.googleusercontent.com\/-3jJjgajFbi4\/UhclE-z_zzI\/AAAAAAAADDw\/wZvZH4Z4e34\/w500\/superman.jpg\" alt=\"\u8d85\u4eba\" \/><\/p>\n<p>\u4e4b\u524d\u7528\u4e86\u4e00\u7bc7\u4fdd\u96aa\u6587\u7ae0\u4f86\u8aaa\u660e<a href=\"https:\/\/blog.17rich.com\/when-do-you-need-insurance.html\" target=\"_blank\" rel=\"noopener\">\u8cac\u4efb\u8ddf\u4fdd\u96aa\u7684\u95dc\u4fc2<\/a>\uff0c\u4e5f\u7528\u4e00\u7bc7\u6545\u4e8b\u4f86\u89e3\u91cb<a href=\"https:\/\/blog.17rich.com\/insurance-present-or-future.html\" target=\"_blank\" rel=\"noopener\">\u8cac\u4efb\u7f3a\u53e3\u9020\u6210\u7684\u98a8\u96aa\u907a\u61be<\/a>\u3002\u9019\u7bc7\u6211\u5011\u5c31\u4f86\u5be6\u969b\u8a08\u7b97\u81ea\u5df1\u7684\u4fdd\u96aa\u8cac\u4efb\u61c9\u8a72\u8981\u6709\u591a\u5c11\uff0c\u7576\u7136\u4e0d\u6703\u8981\u4f60\u62ff\u51fa\u7d19\u8ddf\u7b46\u8a08\u7b97\uff0c\u6211\u8a2d\u8a08\u4e86<!--more-->\u4e00\u500bExcel\u8a66\u7b97\u5de5\u5177\uff0c\u5f88\u7c21\u55ae\u5c31\u53ef\u4ee5\u77e5\u9053\u81ea\u5df1\u7684\u4fdd\u96aa\u9084\u6709\u6c92\u6709\u7f3a\u3002<\/p>\n<p>\u4ee5\u4e00\u500b\u5bb6\u5ead\u61c9\u76e1\u8cac\u4efb\u4f86\u8aaa\uff0c\u6211\u6703\u5206\u6210\u4e94\u500b\u9762\uff1a<\/p>\n<ul>\n<li>\u6536\u5165\u8207\u751f\u6d3b\u8cbb<\/li>\n<li>\u8cc7\u7522<\/li>\n<li>\u50b5\u52d9\uff08\u8cb8\u6b3e\uff09<\/li>\n<li>\u5176\u4ed6\u73fe\u91d1\u9700\u6c42<\/li>\n<li>\u73fe\u6709\u98a8\u96aa\u8f49\u5ac1\u80fd\u529b\uff08\u4fdd\u96aa\uff09<\/li>\n<\/ul>\n<p>\u9019\u4e94\u500b\u9762\u5411\u6c92\u6709\u4e00\u5b9a\u8981\u8ab0\u591a\u8ab0\u5c11\u6216\u5e73\u8861\uff0c\u6bd4\u5982\u8aaa\u4e00\u500b\u975e\u5e38\u6709\u9322\u7684\u4f01\u696d\u5bb6\uff0c\u540d\u4e0b\u64c1\u6709\u975e\u5e38\u9ad8\u7684\u8cc7\u7522\u6de8\u503c\uff08\u5b58\u6b3e\u3001\u623f\u5b50\u7b49\u7b49\uff0c\u7a0d\u5f8c\u6703\u89e3\u91cb\uff09\uff0c\u90a3\u9ebc\u4ed6\u5c31\u4e0d\u4e00\u5b9a\u8981\u7d93\u7531\u8cb7\u4fdd\u96aa\u628a\u98a8\u96aa\u8f49\u5ac1\u51fa\u53bb\uff0c\u5728\u8cfc\u8cb7\u4fdd\u96aa\u9019\u9762\u5411\u7684\u8cac\u4efb\u5c31\u70ba\u96f6\u3002\u7576\u7136\u9019\u662f\u6709\u9322\u7684\u6642\u5019\uff0c\u4e00\u822c\u6211\u5011\u90fd\u9700\u8981\u900f\u904e\u4fdd\u96aa\u4f86\u8f49\u79fb\u98a8\u96aa\u3002\u5e95\u4e0b\u6211\u5011\u5c31\u4f86\u770b\u6bcf\u500b\u9762\u5411\u7684\u5167\u5bb9\u6709\u54ea\u4e9b\uff0c\u9806\u4fbf\u4e5f\u8aaa\u660e\u5982\u4f55\u4f7f\u7528\u8a66\u7b97\u5de5\u5177\uff1a<\/p>\n<h3>\u6536\u5165\u8207\u751f\u6d3b\u8cbb<\/h3>\n<p><img decoding=\"async\" style=\"float: none; margin-left: auto; display: block; margin-right: auto;\" src=\"http:\/\/lh4.googleusercontent.com\/-8L1DQx7y29w\/UhcbgjNIG0I\/AAAAAAAADDE\/in0ngN9j_60\/w384-h284-no\/%25E6%2594%25B6%25E5%2585%25A5%25E8%2588%2587%25E7%2594%259F%25E6%25B4%25BB%25E8%25B2%25BB.png\" alt=\"\" \/><\/p>\n<p>\u56e0\u8eab\u6545\u800c\u5931\u53bb\u5bb6\u4e2d\u4e3b\u8981\u6536\u5165\u4f86\u6e90\u6642\uff0c\u8a72\u7559\u4e0b\u4f86\u7684\u751f\u6d3b\u8cbb\u662f\u591a\u5c11\uff1f\u9019\u90e8\u4efd\u8981\u5f9e\u6bcf\u5e74\u7684\u5fc5\u9700\u751f\u6d3b\u8cbb\u958b\u59cb\u7b97\uff0c\u7136\u5f8c\u6263\u9664\u5176\u4ed6\u73fe\u6709\u7684\u6536\u5165\u4f86\u6e90\uff0c\u5982\uff1a\u914d\u5076\u7684\u6536\u5165\u3001\u80a1\u7968\u80a1\u606f\u6536\u5165\u3001\u623f\u79df\u6536\u5165\u2026\u2026\u7136\u5f8c\u518d\u9810\u4f30\u8981\u7559\u591a\u5c11\u5e74\u7684\u751f\u6d3b\u8cbb\u7d66\u5f8c\u4eba\u3002\u6700\u7406\u60f3\u7684\u60c5\u6cc1\u7576\u7136\u662f\u7559\u6108\u9577\u6108\u597d\uff0c\u4e0d\u904e\u9019\u662f\u7d93\u6fdf\u8a31\u53ef\u7684\u6642\u5019\uff0c\u800c\u4e14\u70ba\u4e86\u7559\u66f4\u591a\u7684\u751f\u6d3b\u8cbb\uff0c\u4fdd\u96aa\u984d\u5ea6\u5c31\u8981\u62c9\u9ad8\uff0c\u8981\u7e73\u7684\u4fdd\u96aa\u8cbb\u4e5f\u5c31\u8b8a\u591a\uff0c\u76f8\u5c0d\u5c31\u6703\u6e1b\u5c11\u8eab\u4e0a\u53ef\u7528\u505a\u6295\u8cc7\u6216<a href=\"https:\/\/blog.17rich.com\" target=\"_blank\" rel=\"noopener\">\u7406\u8ca1<\/a>\u7684\u8cc7\u91d1\u3002\u6240\u4ee5\uff0c<strong>\u57fa\u672c\u9810\u7559\u7684\u751f\u6d3b\u8cbb\u662f\u4ee5\u8b93\u5b50\u5973\u80fd\u5920\u7368\u7acb\u751f\u6d3b\u524d\u70ba\u57fa\u672c\uff0c\u4e00\u822c\u4f86\u8aaa\u6703\u5c0f\u65bc20\u5e74<\/strong>\uff1b\u5982\u679c\u7236\u6bcd\u4e5f\u9700\u8981\u81ea\u5df1\u6276\u990a\uff0c\u90a3\u9810\u7559\u7684\u751f\u6d3b\u8cbb\u5c31\u6703\u9700\u8981\u8a08\u7b97\u9577\u4e00\u9ede\u3002<\/p>\n<p>\u53e6\u5916\uff0c\u56e0\u70ba\u5f8c\u9762\u6703\u8003\u91cf\u5230\u7528\u8eab\u6545\u4fdd\u96aa\u91d1\u7d50\u6e05\u8cb8\u6b3e\uff08\u5982\u623f\u8cb8\uff09\uff0c\u6240\u4ee5\u751f\u6d3b\u8cbb\u88e1\u5c31\u4e0d\u7528\u518d\u5305\u542b\u8cb8\u6b3e\u7e73\u8cbb\u652f\u51fa\uff08\u96d9\u85aa\u5bb6\u5ead\u4e0d\u4e00\u5b9a\uff0c\u6700\u5f8c\u9762\u6703\u8aaa\u5230\uff09\u3002<\/p>\n<h3>\u8cc7\u7522\u9762\u5411<\/h3>\n<p><img decoding=\"async\" style=\"float: none; margin-left: auto; display: block; margin-right: auto;\" src=\"http:\/\/lh6.googleusercontent.com\/-SRgQi1mz70E\/UhcbhJODe4I\/AAAAAAAADDc\/ii6G5obFrrY\/w441-h298-no\/%25E8%25B3%2587%25E7%2594%25A2.png\" alt=\"\" \/><\/p>\n<p>\u9280\u884c\u5b58\u6b3e\u3001\u975e\u81ea\u4f4f\u7684\u4e0d\u52d5\u7522\u3001\u73fe\u6709\u80a1\u7968\u7b49\u53ef\u4ee5\u62ff\u4f86\u8b8a\u8ce3\u63db\u5f97\u73fe\u91d1\u7684\u8cc7\u7522\u90fd\u7b97\u3002\u4e0d\u904e\u5728\u8a08\u7b97\u6642\u8981\u6ce8\u610f\u5e7e\u9ede\uff1a<\/p>\n<p>\u4e00\u3001\u623f\u5730\u7522\u4e0d\u80fd\u628a\u81ea\u4f4f\u623f\u5b50\u7b97\u5728\u5167\uff0c\u56e0\u70ba\u90a3\u8981\u7559\u7d66\u5f8c\u4eba\u4f4f\u3002<\/p>\n<p>\u4e8c\u3001\u623f\u7522\u6216\u80a1\u7968\u56e0\u70ba\u6709\u50f9\u503c\u8b8a\u52d5\u7684\u53ef\u80fd\uff0c\u6240\u4ee5\u8981\u4f30\u7b97\u8dcc\u50f9\u98a8\u96aa\uff0c\u6bd4\u5982\u623f\u5b50\u629310%\u7684\u8dcc\u50f9\u7a7a\u9593\uff0c\u5728\u8dcc\u50f9\u98a8\u96aa\u5730\u65b9\u5c31\u586b0.9\uff1b\u80a1\u7968\u7684\u8dcc\u50f9\u98a8\u96aa\u8f03\u9ad8\u4e9b\uff0c\u53ef\u586b 0.8\u3002<\/p>\n<p>\u4e09\u3001\u82e5\u8a72\u8cc7\u7522\u662f\u7528\u4f86\u63d0\u4f9b\u751f\u6d3b\u6536\u5165\uff0c\u90a3\u5c31\u8981\u8861\u91cf\u662f\u8981\u8b8a\u8ce3\u53d6\u5f97\u73fe\u91d1\uff0c\u9084\u662f\u4fdd\u7559\u6301\u7e8c\u7576\u6536\u5165\u5169\u7a2e\u60c5\u6cc1\uff1b\u5982\u679c\u662f\u8981\u8b8a\u8ce3\u90a3\u5c31\u5728\u6536\u5165\u5340\u628a\u8cc7\u7522\u5275\u9020\u51fa\u7684\u5e74\u6536\u5165\u6263\u9664\uff0c\u5982\u679c\u8981\u4fdd\u7559\u7576\u6536\u5165\u5c31\u4e0d\u80fd\u5305\u542b\u5728\u53ef\u8b8a\u8ce3\u7684\u8cc7\u7522\u9805\u88e1\u3002<\/p>\n<h3>\u50b5\u52d9\uff08\u8cb8\u6b3e\uff09\u9762\u5411<\/h3>\n<p><img decoding=\"async\" style=\"float: none; margin-left: auto; display: block; margin-right: auto;\" src=\"http:\/\/lh5.googleusercontent.com\/-d8NEo_mg4TI\/UhcbgsU52oI\/AAAAAAAADDQ\/Ibyu_mFIQok\/w385-h366-no\/%25E5%2582%25B5%25E5%258B%2599.png\" alt=\"\" \/><\/p>\n<p>\u50b5\u52d9\u6700\u5927\u5b97\u7684\u901a\u5e38\u5c31\u662f\u81ea\u4f4f\u7528\u7684\u623f\u5c4b\u5269\u9918\u8cb8\u6b3e\uff0c\u56e0\u70ba\u91d1\u984d\u9ad8\u6240\u4ee5\u5bb9\u6613\u7d66\u5f8c\u4eba\u8ca0\u64d4\uff0c\u6700\u597d\u90fd\u4ee5\u8981\u7d50\u6e05\u4f86\u8003\u91cf\uff0c\u91cd\u9ede\u5c31\u662f\u76e1\u91cf\u4e0d\u7559\u50b5\u7d66\u5f8c\u4eba\u3002<\/p>\n<h3>\u73fe\u4ed6\u73fe\u91d1\u9700\u6c42<\/h3>\n<p><img decoding=\"async\" style=\"float: none; margin-left: auto; display: block; margin-right: auto;\" src=\"http:\/\/lh3.googleusercontent.com\/-QQ-wLitw43M\/Uhcbgu3rbxI\/AAAAAAAADDI\/iQCCSxHycHo\/w386-h367-no\/%25E5%2585%25B6%25E4%25BB%2596%25E7%258F%25BE%25E9%2587%2591%25E9%259C%2580%25E6%25B1%2582.png\" alt=\"\" \/><\/p>\n<p>\u9664\u4e86\u751f\u6d3b\u8cbb\uff0c\u7559\u7d66\u5b50\u5973\u7684\u6559\u80b2\u8cbb\u662f\u70ba\u4e86\u4fdd\u969c\u4ed6\u5011\u5728\u51fa\u793e\u6703\u524d\u7684\u5b78\u8cbb\uff0c\u53e6\u5916\u50cf\u55aa\u846c\u8cbb\u5c31\u770b\u4e0d\u540c\u5bb6\u5ead\u7684\u8a08\u5283\u3002\u61c9\u6025\u9810\u5099\u91d1\u7684\u7528\u610f\uff0c\u6bd4\u5982\u82e5\u6709\u975e\u81ea\u4f4f\u7684\u623f\u5b50\u8cc7\u7522\u8981\u8b8a\u8ce3\uff0c\u6642\u9593\u4e0a\u4e5f\u81f3\u5c11\u8981\u4fdd\u7559\u4e8c\u5230\u4e09\u500b\u6708\u7684\u6642\u9593\uff0c\u9019\u6642\u9810\u5099\u91d1\u81f3\u5c11\u53ef\u4ee5\u7de9\u885d\u4e00\u4e0b\uff0c\u4e0d\u81f3\u65bc\u8b93\u9810\u7559\u7684\u751f\u6d3b\u8cbb\u82b1\u592a\u591a\u3002<\/p>\n<h3>\u98a8\u96aa\u8f49\u5ac1\u80fd\u529b\uff08\u8eab\u6545\u4fdd\u96aa\uff09<\/h3>\n<p><img decoding=\"async\" style=\"float: none; 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font-family: \u5fae\u8edf\u6b63\u9ed1\u9ad4;\"><strong>\u4ee5\u4e0b\u662f\u611f\u6027\u6642\u9593\u2026\u2026<\/strong><\/p>\n<p>\u6211\u5f37\u70c8\u5efa\u8b70\u592b\u59bb\u8981\u627e\u6642\u9593\u4e00\u8d77\u898f\u5283\u8eab\u6545\u98a8\u96aa\uff0c\u6211\u76f8\u4fe1\u6709\u9019\u6a23\u505a\u7684\u61c9\u8a72\u662f\u5c11\u6578\uff0c\u4e0d\u904e\u9019\u771f\u7684\u6eff\u91cd\u8981\u7684\uff0c\u597d\u597d\u7684\u7b97\u4e00\u4e0b\u5982\u679c\u5c0d\u65b9\u5148\u8d70\u4e00\u6b65\uff08\u9f3b\u9178\u2026\u2026\uff09\uff0c\u90a3\u8a72\u5982\u4f55\u8b93\u53e6\u4e00\u534a\u8f03\u7121\u58d3\u529b\u7684\u8d70\u4e0b\u53bb\uff0c\u7368\u81ea\u628a\u5c0f\u5b69\u5e36\u5927\uff0c\u6e1b\u5c11\u5931\u53bb\u53e6\u4e00\u534a\u5e36\u4f86\u7684\u5275\u50b7\uff1b\u5982\u679c\u662f\u5169\u500b\u4eba\u540c\u6642\u96e2\u958b\uff0c\u90a3\u53c8\u8981\u8a72\u5982\u4f55\u4e0d\u7559\u50b5\u7d66\u5b50\u5973\uff0c\u8b93\u4ed6\u5011\u53ef\u4ee5\u9806\u5229\u7684\u8d70\u5230\u51fa\u793e\u6703\u3002\u96d6\u7136\u9019\u4e9b\u7b97\u4f86\u7b97\u53bb\u90fd\u662f\u5728\u9322\u4e0a\u9762\u6253\u8f49\uff0c\u898f\u5283\u51fa\u4f86\u5f8c\u4e5f\u662f\u8981\u770b\u96d9\u65b9\u7684\u7d93\u6fdf\u80fd\u529b\u624d\u4f86\u6c7a\u5b9a\u627f\u4fdd\u6bd4\u4f8b\uff0c\u4e26\u4e0d\u662f\u8aaa\u7b97\u51fa\u4f86\u5c31\u4e00\u5b9a\u8981\u4fdd\u6eff\u984d\uff0c\u9084\u662f\u8981\u4ee5\u7576\u4e0b\u80fd\u904e\u6d3b\u70ba\u4e3b\u3002\u4f46\u6211\u89ba\u5f97\u5169\u4eba\u540c\u5fc3\u7684\u5148\u898f\u5283\u597d\u8fce\u63a5\u751f\u8001\u75c5\u6b7b\u662f\u4ef6\u5f88\u7a4d\u6975\u9762\u5c0d\u4eba\u751f\u7684\u4e8b\uff0c\u4e5f\u53ef\u4ee5\u5f9e\u4e2d\u627e\u5230\u592b\u59bb\u5006\u751f\u547d\u4e2d\u5171\u540c\u6253\u62fc\u7684\u9858\u666f\uff0c\u60f3\u8d77\u4f86\u4e5f\u7b97\u662f\u4ef6\u6d6a\u6f2b\u7684\u4e8b\uff0c\u4e0d\u662f\u55ce\uff1f<\/p>\n<p style=\"font-size: 18px; font-family: \u5fae\u8edf\u6b63\u9ed1\u9ad4;\"><span style=\"color: #ff0000;\">\u2794<\/span><strong>\u4fdd\u96aa\u8cac\u4efb\u7f3a\u53e3 Excle \u8a66\u7b97\u8868\u4e0b\u8f09\uff08<\/strong><a href=\"http:\/\/goo.gl\/0mB9WW\" target=\"_blank\" rel=\"noopener nofollow\"><strong>2007\u7248\u672c<\/strong><\/a><strong>\u3001<\/strong><a href=\"http:\/\/goo.gl\/3m6d8h\" target=\"_blank\" rel=\"noopener nofollow\"><strong>2003\u7248\u672c<\/strong><\/a><strong>\uff09<\/strong><\/p>\n<p>(2003\u7248\u672c\u53ef\u80fd\u8868\u683c\u6703\u8dd1\u6389\uff0c\u5efa\u8b70\u591a\u4f7f\u75282007\u7248\u672c)<\/p>\n<p>\u5099\u8a3b\uff1a\u8a66\u7b97\u8868\u4e2d\u662f\u6211\u4ee5\u81ea\u8eab\u89d2\u5ea6\u4f86\u770b\u5f85\u4fdd\u96aa\u7f3a\u53e3\uff0c\u5982\u679c\u4f60\u4f7f\u7528\u6642\u6709\u4ec0\u9ebc\u5fc3\u5f97\u5efa\u8b70\uff0c<a href=\"https:\/\/blog.17rich.com\/about#contact\" target=\"_blank\" rel=\"noopener\">\u6b61\u8fce\u5beb\u4fe1\u6216\u7559\u8a00\u7d66\u6211<\/a>\uff0c\u8b93\u5f8c\u4f86\u4f7f\u7528\u7684\u4eba\u53ef\u4ee5\u66f4\u65b9\u4fbf\u3002\u975e\u5e38\u611f\u8b1d\uff01<\/p>\n<p style=\"display: none;\"><span style=\"color: #666666; font-size: small;\">(1stimage via <\/span><a href=\"http:\/\/www.flickr.com\/photos\/bohman\/\" rel=\"nofollow noopener\" target=\"_blank\"><span style=\"color: #666666; font-size: small;\">Bohman<\/span><\/a><span style=\"color: #666666; font-size: small;\">)<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u4e4b\u524d\u7528\u4e86\u4e00\u7bc7\u4fdd\u96aa\u6587\u7ae0\u4f86\u8aaa\u660e\u8cac\u4efb\u8ddf\u4fdd\u96aa\u7684\u95dc\u4fc2\uff0c\u4e5f\u7528\u4e00\u7bc7\u6545\u4e8b\u4f86\u89e3\u91cb\u8cac\u4efb\u7f3a\u53e3\u9020\u6210\u7684\u98a8\u96aa\u907a\u61be\u3002\u9019\u7bc7\u6211\u5011\u5c31\u4f86\u5be6\u969b\u8a08\u7b97\u81ea\u5df1 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":5834,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"cybocfi_hide_featured_image":"","footnotes":""},"categories":[312],"tags":[313,102],"wps_subtitle":"","_links":{"self":[{"href":"https:\/\/blog.17rich.com\/wp-json\/wp\/v2\/posts\/2927"}],"collection":[{"href":"https:\/\/blog.17rich.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.17rich.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.17rich.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.17rich.com\/wp-json\/wp\/v2\/comments?post=2927"}],"version-history":[{"count":2,"href":"https:\/\/blog.17rich.com\/wp-json\/wp\/v2\/posts\/2927\/revisions"}],"predecessor-version":[{"id":7844,"href":"https:\/\/blog.17rich.com\/wp-json\/wp\/v2\/posts\/2927\/revisions\/7844"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.17rich.com\/wp-json\/wp\/v2\/media\/5834"}],"wp:attachment":[{"href":"https:\/\/blog.17rich.com\/wp-json\/wp\/v2\/media?parent=2927"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.17rich.com\/wp-json\/wp\/v2\/categories?post=2927"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.17rich.com\/wp-json\/wp\/v2\/tags?post=2927"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}