http://www.bankrate.com/financing A Financial Blog Thu, 09 Feb 2012 22:48:02 +0000 http://wordpress.org/?v=2.9.2 en hourly 1 http://www.bankrate.com/financing/insurance/second-front-attacks-obamacare/ http://www.bankrate.com/financing/insurance/second-front-attacks-obamacare/#comments Tue, 07 Feb 2012 15:00:35 +0000 Jay MacDonald http://www.bankrate.com/financing/?p=11153 http://www.bankrate.com/financing/insurance/second-front-attacks-obamacare/feed/ 0 http://www.bankrate.com/financing/insurance/the-poor-pay-more-for-auto/ http://www.bankrate.com/financing/insurance/the-poor-pay-more-for-auto/#comments Fri, 03 Feb 2012 15:00:58 +0000 Jay MacDonald http://www.bankrate.com/financing/?p=11067 http://www.bankrate.com/financing/insurance/the-poor-pay-more-for-auto/feed/ 3 http://www.bankrate.com/financing/insurance/readers-bite-good-hands-people/ http://www.bankrate.com/financing/insurance/readers-bite-good-hands-people/#comments Fri, 27 Jan 2012 15:00:41 +0000 Jay MacDonald 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http://www.bankrate.com/financing/?p=8913 http://www.bankrate.com/financing/insurance/breast-cancer-month-matters/feed/ 0 http://www.bankrate.com/financing/insurance/nfip-stuck-in-groundhog-day/ http://www.bankrate.com/financing/insurance/nfip-stuck-in-groundhog-day/#comments Fri, 07 Oct 2011 14:00:08 +0000 Jay MacDonald http://www.bankrate.com/financing/?p=8784 http://www.bankrate.com/financing/insurance/nfip-stuck-in-groundhog-day/feed/ 1 http://www.bankrate.com/financing/insurance/supreme-test-for-health-reform/ http://www.bankrate.com/financing/insurance/supreme-test-for-health-reform/#comments Tue, 04 Oct 2011 14:00:22 +0000 Jay MacDonald http://www.bankrate.com/financing/?p=8711 http://www.bankrate.com/financing/insurance/supreme-test-for-health-reform/feed/ 7 http://www.bankrate.com/financing/insurance/are-health-insurers-piling-on/ http://www.bankrate.com/financing/insurance/are-health-insurers-piling-on/#comments Fri, 30 Sep 2011 14:00:27 +0000 Jay MacDonald 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http://www.bankrate.com/financing/?p=7847 http://www.bankrate.com/financing/insurance/care-and-feeding-of-straw-men/feed/ 0 http://www.bankrate.com/financing/insurance/credit-slide-smacks-insurers/ http://www.bankrate.com/financing/insurance/credit-slide-smacks-insurers/#comments Fri, 12 Aug 2011 14:00:13 +0000 Jay MacDonald http://www.bankrate.com/financing/?p=7697 http://www.bankrate.com/financing/insurance/credit-slide-smacks-insurers/feed/ 3 http://www.bankrate.com/financing/insurance/will-allstate-agents-unionize/ http://www.bankrate.com/financing/insurance/will-allstate-agents-unionize/#comments Tue, 09 Aug 2011 14:00:02 +0000 Jay MacDonald http://www.bankrate.com/financing/?p=7607 http://www.bankrate.com/financing/insurance/will-allstate-agents-unionize/feed/ 1 http://www.bankrate.com/financing/insurance/contraceptives-without-copays/ http://www.bankrate.com/financing/insurance/contraceptives-without-copays/#comments Fri, 05 Aug 2011 14:00:23 +0000 Jay MacDonald http://www.bankrate.com/financing/?p=7571 http://www.bankrate.com/financing/insurance/contraceptives-without-copays/feed/ 2 http://www.bankrate.com/financing/insurance/the-boss-has-a-heart-after-all/ http://www.bankrate.com/financing/insurance/the-boss-has-a-heart-after-all/#comments Fri, 29 Jul 2011 14:00:22 +0000 Jay MacDonald http://www.bankrate.com/financing/?p=7439 http://www.bankrate.com/financing/insurance/the-boss-has-a-heart-after-all/feed/ 1 http://www.bankrate.com/financing/insurance/the-amy-winehouse-rehab-blues/ http://www.bankrate.com/financing/insurance/the-amy-winehouse-rehab-blues/#comments Tue, 26 Jul 2011 14:00:37 +0000 Jay MacDonald http://www.bankrate.com/financing/?p=7375 http://www.bankrate.com/financing/insurance/the-amy-winehouse-rehab-blues/feed/ 1 http://www.bankrate.com/financing/insurance/keep-your-data-off-my-body/ http://www.bankrate.com/financing/insurance/keep-your-data-off-my-body/#comments Fri, 22 Jul 2011 14:00:54 +0000 Jay MacDonald http://www.bankrate.com/financing/?p=7292 http://www.bankrate.com/financing/insurance/keep-your-data-off-my-body/feed/ 5 http://www.bankrate.com/financing/insurance/mixed-bag-on-flood-reform/ http://www.bankrate.com/financing/insurance/mixed-bag-on-flood-reform/#comments Fri, 15 Jul 2011 14:00:34 +0000 Jay MacDonald http://www.bankrate.com/financing/?p=7173 http://www.bankrate.com/financing/insurance/mixed-bag-on-flood-reform/feed/ 1 http://www.bankrate.com/financing/insurance/the-partys-over-on-home-rates/ http://www.bankrate.com/financing/insurance/the-partys-over-on-home-rates/#comments Tue, 12 Jul 2011 14:00:58 +0000 Jay MacDonald http://www.bankrate.com/financing/?p=6882 http://www.bankrate.com/financing/insurance/the-partys-over-on-home-rates/feed/ 1 http://www.bankrate.com/financing/insurance/making-life-insurers-pay-up/ http://www.bankrate.com/financing/insurance/making-life-insurers-pay-up/#comments Fri, 08 Jul 2011 14:00:44 +0000 Jay MacDonald http://www.bankrate.com/financing/?p=7021 http://www.bankrate.com/financing/insurance/making-life-insurers-pay-up/feed/ 6 http://www.bankrate.com/financing/insurance/big-day-for-health-care-reform/ http://www.bankrate.com/financing/insurance/big-day-for-health-care-reform/#comments Thu, 30 Jun 2011 14:00:46 +0000 Jay MacDonald http://www.bankrate.com/financing/?p=6892 http://www.bankrate.com/financing/insurance/big-day-for-health-care-reform/feed/ 1 http://www.bankrate.com/financing/insurance/taking-it-in-the-breaches/ http://www.bankrate.com/financing/insurance/taking-it-in-the-breaches/#comments Tue, 28 Jun 2011 14:00:10 +0000 Jay MacDonald http://www.bankrate.com/financing/?p=6828 http://www.bankrate.com/financing/insurance/taking-it-in-the-breaches/feed/ 1 http://www.bankrate.com/financing/insurance/its-the-economy-stupid/ http://www.bankrate.com/financing/insurance/its-the-economy-stupid/#comments Fri, 24 Jun 2011 14:00:54 +0000 Jay MacDonald http://www.bankrate.com/financing/?p=6760 http://www.bankrate.com/financing/insurance/its-the-economy-stupid/feed/ 1 http://www.bankrate.com/financing/insurance/ill-winds-threaten-home-rates/ http://www.bankrate.com/financing/insurance/ill-winds-threaten-home-rates/#comments Fri, 17 Jun 2011 14:00:46 +0000 Jay MacDonald http://www.bankrate.com/financing/?p=6634 http://www.bankrate.com/financing/insurance/ill-winds-threaten-home-rates/feed/ 3 http://www.bankrate.com/financing/insurance/smokers-choke-on-new-surcharge/ http://www.bankrate.com/financing/insurance/smokers-choke-on-new-surcharge/#comments Tue, 14 Jun 2011 14:00:42 +0000 Jay MacDonald http://www.bankrate.com/financing/?p=6550 http://www.bankrate.com/financing/insurance/smokers-choke-on-new-surcharge/feed/ 11 http://www.bankrate.com/financing/insurance/a-carfax-for-homebuyers/ http://www.bankrate.com/financing/insurance/a-carfax-for-homebuyers/#comments Fri, 10 Jun 2011 14:00:36 +0000 Jay MacDonald http://www.bankrate.com/financing/?p=6446 http://www.bankrate.com/financing/insurance/a-carfax-for-homebuyers/feed/ 3 http://www.bankrate.com/financing/insurance/bust-the-ceos-its-a-start/ http://www.bankrate.com/financing/insurance/bust-the-ceos-its-a-start/#comments Fri, 03 Jun 2011 14:00:28 +0000 Jay MacDonald http://www.bankrate.com/financing/?p=6339 http://www.bankrate.com/financing/insurance/bust-the-ceos-its-a-start/feed/ 5 http://www.bankrate.com/financing/insurance/medicares-big-red-nose/ http://www.bankrate.com/financing/insurance/medicares-big-red-nose/#comments Tue, 31 May 2011 14:00:44 +0000 Jay MacDonald http://www.bankrate.com/financing/?p=6291 http://www.bankrate.com/financing/insurance/medicares-big-red-nose/feed/ 5 http://www.bankrate.com/financing/insurance/will-twisters-blow-away-rates/ http://www.bankrate.com/financing/insurance/will-twisters-blow-away-rates/#comments Fri, 27 May 2011 14:00:20 +0000 Jay MacDonald http://www.bankrate.com/financing/?p=6198 http://www.bankrate.com/financing/insurance/will-twisters-blow-away-rates/feed/ 3 http://www.bankrate.com/financing/insurance/this-is-the-way-the-world-ends/ http://www.bankrate.com/financing/insurance/this-is-the-way-the-world-ends/#comments Fri, 20 May 2011 14:00:54 +0000 Jay MacDonald http://www.bankrate.com/financing/?p=6060 http://www.bankrate.com/financing/insurance/this-is-the-way-the-world-ends/feed/ 3 http://www.bankrate.com/financing/insurance/tulips-and-health-care-costs/ http://www.bankrate.com/financing/insurance/tulips-and-health-care-costs/#comments Tue, 17 May 2011 14:00:35 +0000 Jay MacDonald http://www.bankrate.com/financing/?p=5983 http://www.bankrate.com/financing/insurance/tulips-and-health-care-costs/feed/ 2 http://www.bankrate.com/financing/insurance/gas-prices-up-accidents-down/ http://www.bankrate.com/financing/insurance/gas-prices-up-accidents-down/#comments Fri, 13 May 2011 14:00:38 +0000 Jay MacDonald http://www.bankrate.com/financing/?p=5793 http://www.bankrate.com/financing/insurance/gas-prices-up-accidents-down/feed/ 2 http://www.bankrate.com/financing/insurance/insure-before-you-say-i-do/ http://www.bankrate.com/financing/insurance/insure-before-you-say-i-do/#comments Fri, 06 May 2011 14:00:53 +0000 Jay MacDonald http://www.bankrate.com/financing/?p=5815 http://www.bankrate.com/financing/insurance/insure-before-you-say-i-do/feed/ 5 http://www.bankrate.com/financing/insurance/drivers-cut-corners-add-risk/ http://www.bankrate.com/financing/insurance/drivers-cut-corners-add-risk/#comments Tue, 03 May 2011 14:00:42 +0000 Jay MacDonald http://www.bankrate.com/financing/?p=5735 http://www.bankrate.com/financing/insurance/drivers-cut-corners-add-risk/feed/ 8 http://www.bankrate.com/financing/insurance/setback-for-repeal-and-replace/ http://www.bankrate.com/financing/insurance/setback-for-repeal-and-replace/#comments Fri, 29 Apr 2011 14:00:13 +0000 Jay MacDonald http://www.bankrate.com/financing/?p=5630 http://www.bankrate.com/financing/insurance/setback-for-repeal-and-replace/feed/ 2 http://www.bankrate.com/financing/insurance/earth-day-now-more-than-ever/ http://www.bankrate.com/financing/insurance/earth-day-now-more-than-ever/#comments Fri, 22 Apr 2011 14:00:12 +0000 Jay MacDonald http://www.bankrate.com/financing/?p=5530 http://www.bankrate.com/financing/insurance/earth-day-now-more-than-ever/feed/ 0 http://www.bankrate.com/financing/insurance/free-term-life-from-massmutual/ http://www.bankrate.com/financing/insurance/free-term-life-from-massmutual/#comments Tue, 19 Apr 2011 14:00:22 +0000 Jay MacDonald http://www.bankrate.com/financing/?p=5467 http://www.bankrate.com/financing/insurance/free-term-life-from-massmutual/feed/ 3 http://www.bankrate.com/financing/insurance/workers-comp-the-tv-show/ http://www.bankrate.com/financing/insurance/workers-comp-the-tv-show/#comments Fri, 15 Apr 2011 14:00:41 +0000 Jay MacDonald http://www.bankrate.com/financing/?p=5365 http://www.bankrate.com/financing/insurance/workers-comp-the-tv-show/feed/ 4 http://www.bankrate.com/financing/insurance/health-reforms-silent-fans/ http://www.bankrate.com/financing/insurance/health-reforms-silent-fans/#comments Fri, 08 Apr 2011 14:00:39 +0000 Jay MacDonald http://www.bankrate.com/financing/?p=5178 http://www.bankrate.com/financing/insurance/health-reforms-silent-fans/feed/ 3 http://www.bankrate.com/financing/insurance/pay-as-you-drive-goes-national/ http://www.bankrate.com/financing/insurance/pay-as-you-drive-goes-national/#comments Tue, 05 Apr 2011 14:00:56 +0000 Jay MacDonald http://www.bankrate.com/financing/?p=5122 http://www.bankrate.com/financing/insurance/pay-as-you-drive-goes-national/feed/ 4 http://www.bankrate.com/financing/insurance/transitioning-to-parenthood/ http://www.bankrate.com/financing/insurance/transitioning-to-parenthood/#comments Mon, 04 Apr 2011 13:40:46 +0000 Elle Martinez http://www.bankrate.com/financing/?p=5060 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http://www.bankrate.com/financing/insurance/dr-watson-will-see-you-now/feed/ 1 http://www.bankrate.com/financing/insurance/nuclear-meltdown-insurance/ http://www.bankrate.com/financing/insurance/nuclear-meltdown-insurance/#comments Fri, 18 Mar 2011 15:00:19 +0000 Jay MacDonald http://www.bankrate.com/financing/?p=4821 http://www.bankrate.com/financing/insurance/nuclear-meltdown-insurance/feed/ 1 http://www.bankrate.com/financing/insurance/flood-map-changes-can-sink-you/ http://www.bankrate.com/financing/insurance/flood-map-changes-can-sink-you/#comments Fri, 11 Mar 2011 15:00:15 +0000 Jay MacDonald http://www.bankrate.com/financing/?p=4697 http://www.bankrate.com/financing/insurance/flood-map-changes-can-sink-you/feed/ 2 http://www.bankrate.com/financing/insurance/health-reform-and-gun-rights/ http://www.bankrate.com/financing/insurance/health-reform-and-gun-rights/#comments Tue, 08 Mar 2011 15:00:34 +0000 Jay MacDonald http://www.bankrate.com/financing/?p=4624 http://www.bankrate.com/financing/insurance/health-reform-and-gun-rights/feed/ 2 http://www.bankrate.com/financing/insurance/mexican-rental-car-hat-dance/ http://www.bankrate.com/financing/insurance/mexican-rental-car-hat-dance/#comments Fri, 04 Mar 2011 15:00:37 +0000 Jay MacDonald http://www.bankrate.com/financing/?p=4538 http://www.bankrate.com/financing/insurance/mexican-rental-car-hat-dance/feed/ 0 http://www.bankrate.com/financing/insurance/marijuana-growers-insurance/ http://www.bankrate.com/financing/insurance/marijuana-growers-insurance/#comments Fri, 25 Feb 2011 15:00:47 +0000 Jay MacDonald http://www.bankrate.com/financing/?p=4288 http://www.bankrate.com/financing/insurance/marijuana-growers-insurance/feed/ 5 http://www.bankrate.com/financing/insurance/inside-the-disaster-blaster/ http://www.bankrate.com/financing/insurance/inside-the-disaster-blaster/#comments Tue, 22 Feb 2011 15:00:52 +0000 Jay MacDonald http://www.bankrate.com/financing/?p=4360 http://www.bankrate.com/financing/insurance/inside-the-disaster-blaster/feed/ 1 http://www.bankrate.com/financing/insurance/fan-letter-to-justin-bieber/ http://www.bankrate.com/financing/insurance/fan-letter-to-justin-bieber/#comments Fri, 18 Feb 2011 15:00:33 +0000 Jay MacDonald http://www.bankrate.com/financing/?p=4313 http://www.bankrate.com/financing/insurance/fan-letter-to-justin-bieber/feed/ 11 http://www.bankrate.com/financing/insurance/how-should-we-insure-scooters/ http://www.bankrate.com/financing/insurance/how-should-we-insure-scooters/#comments Fri, 11 Feb 2011 15:00:26 +0000 Jay MacDonald http://www.bankrate.com/financing/?p=4144 http://www.bankrate.com/financing/insurance/how-should-we-insure-scooters/feed/ 0 http://www.bankrate.com/financing/insurance/staying-alive-on-workers-comp/ http://www.bankrate.com/financing/insurance/staying-alive-on-workers-comp/#comments Tue, 08 Feb 2011 15:00:04 +0000 Jay MacDonald http://www.bankrate.com/financing/?p=4093 http://www.bankrate.com/financing/insurance/staying-alive-on-workers-comp/feed/ 3 http://www.bankrate.com/financing/insurance/health-reform-alive-and-well/ http://www.bankrate.com/financing/insurance/health-reform-alive-and-well/#comments Fri, 04 Feb 2011 15:00:58 +0000 Jay MacDonald http://www.bankrate.com/financing/?p=4040 http://www.bankrate.com/financing/insurance/health-reform-alive-and-well/feed/ 7 http://www.bankrate.com/financing/insurance/hurricane-rates-move-inland/ http://www.bankrate.com/financing/insurance/hurricane-rates-move-inland/#comments Fri, 28 Jan 2011 15:00:50 +0000 Jay MacDonald http://www.bankrate.com/financing/?p=3917 http://www.bankrate.com/financing/insurance/hurricane-rates-move-inland/feed/ 3 http://www.bankrate.com/financing/insurance/deregulation-really/ http://www.bankrate.com/financing/insurance/deregulation-really/#comments Tue, 25 Jan 2011 15:00:58 +0000 Jay MacDonald http://www.bankrate.com/financing/?p=3845 http://www.bankrate.com/financing/insurance/deregulation-really/feed/ 9 http://www.bankrate.com/financing/insurance/obamacare-courts-the-supremes/ http://www.bankrate.com/financing/insurance/obamacare-courts-the-supremes/#comments Fri, 21 Jan 2011 15:00:28 +0000 Jay MacDonald http://www.bankrate.com/financing/?p=3763 http://www.bankrate.com/financing/insurance/obamacare-courts-the-supremes/feed/ 3 http://www.bankrate.com/financing/insurance/insurers-gang-up-on-toyota/ http://www.bankrate.com/financing/insurance/insurers-gang-up-on-toyota/#comments Fri, 14 Jan 2011 15:00:18 +0000 Jay MacDonald http://www.bankrate.com/financing/?p=3639 http://www.bankrate.com/financing/insurance/insurers-gang-up-on-toyota/feed/ 2 http://www.bankrate.com/financing/insurance/backup-cameras-move-forward/ http://www.bankrate.com/financing/insurance/backup-cameras-move-forward/#comments Tue, 11 Jan 2011 15:00:45 +0000 Jay MacDonald http://www.bankrate.com/financing/?p=3579 http://www.bankrate.com/financing/insurance/backup-cameras-move-forward/feed/ 5 http://www.bankrate.com/financing/insurance/doggone-good-news-for-bad-dogs/ http://www.bankrate.com/financing/insurance/doggone-good-news-for-bad-dogs/#comments Fri, 07 Jan 2011 15:00:44 +0000 Jay MacDonald http://www.bankrate.com/financing/?p=3502 http://www.bankrate.com/financing/insurance/doggone-good-news-for-bad-dogs/feed/ 5 http://www.bankrate.com/financing/insurance/5-money-mistakes-to-avoid-in-2011/ http://www.bankrate.com/financing/insurance/5-money-mistakes-to-avoid-in-2011/#comments Thu, 06 Jan 2011 18:09:53 +0000 Ben Edwards http://www.bankrate.com/financing/?p=3435 http://www.bankrate.com/financing/insurance/5-money-mistakes-to-avoid-in-2011/feed/ 1 http://www.bankrate.com/financing/insurance/christmas-miracle-in-asheville-nc/ http://www.bankrate.com/financing/insurance/christmas-miracle-in-asheville-nc/#comments Fri, 31 Dec 2010 15:00:03 +0000 Jay MacDonald http://www.bankrate.com/financing/?p=3439 http://www.bankrate.com/financing/insurance/christmas-miracle-in-asheville-nc/feed/ 3 http://www.bankrate.com/financing/insurance/get-term-while-the-price-is-right/ http://www.bankrate.com/financing/insurance/get-term-while-the-price-is-right/#comments Tue, 28 Dec 2010 15:00:55 +0000 Jay MacDonald http://www.bankrate.com/financing/?p=3363 http://www.bankrate.com/financing/insurance/get-term-while-the-price-is-right/feed/ 0 http://www.bankrate.com/financing/insurance/free-diamonds-on-christmas-day/ http://www.bankrate.com/financing/insurance/free-diamonds-on-christmas-day/#comments Fri, 24 Dec 2010 15:00:41 +0000 Jay MacDonald http://www.bankrate.com/financing/?p=3355 http://www.bankrate.com/financing/insurance/free-diamonds-on-christmas-day/feed/ 2 http://www.bankrate.com/financing/insurance/rocky-road-ahead-for-obamacare/ http://www.bankrate.com/financing/insurance/rocky-road-ahead-for-obamacare/#comments Fri, 17 Dec 2010 15:00:36 +0000 Jay MacDonald http://www.bankrate.com/financing/?p=3211 http://www.bankrate.com/financing/insurance/rocky-road-ahead-for-obamacare/feed/ 9 http://www.bankrate.com/financing/insurance/dozing-and-driving-a-deadly-mix/ http://www.bankrate.com/financing/insurance/dozing-and-driving-a-deadly-mix/#comments Tue, 14 Dec 2010 15:00:00 +0000 Jay MacDonald http://www.bankrate.com/financing/?p=3115 http://www.bankrate.com/financing/insurance/dozing-and-driving-a-deadly-mix/feed/ 0 http://www.bankrate.com/financing/insurance/health-care-reforms-biggest-con/ http://www.bankrate.com/financing/insurance/health-care-reforms-biggest-con/#comments Fri, 10 Dec 2010 15:00:28 +0000 Jay MacDonald http://www.bankrate.com/financing/?p=3045 http://www.bankrate.com/financing/insurance/health-care-reforms-biggest-con/feed/ 10 http://www.bankrate.com/financing/insurance/is-long-term-care-a-suckers-bet/ http://www.bankrate.com/financing/insurance/is-long-term-care-a-suckers-bet/#comments Fri, 03 Dec 2010 15:00:27 +0000 Jay MacDonald http://www.bankrate.com/financing/?p=2951 http://www.bankrate.com/financing/insurance/is-long-term-care-a-suckers-bet/feed/ 9 http://www.bankrate.com/financing/insurance/top-10-winter-insurance-questions/ http://www.bankrate.com/financing/insurance/top-10-winter-insurance-questions/#comments Tue, 30 Nov 2010 15:00:14 +0000 Jay MacDonald http://www.bankrate.com/financing/?p=2864 http://www.bankrate.com/financing/insurance/top-10-winter-insurance-questions/feed/ 0 http://www.bankrate.com/financing/insurance/lilo-and-the-insurance-trap/ http://www.bankrate.com/financing/insurance/lilo-and-the-insurance-trap/#comments Fri, 26 Nov 2010 15:00:41 +0000 Jay MacDonald http://www.bankrate.com/financing/?p=2840 http://www.bankrate.com/financing/insurance/lilo-and-the-insurance-trap/feed/ 0 http://www.bankrate.com/financing/insurance/turkey-insurance-believe-it/ http://www.bankrate.com/financing/insurance/turkey-insurance-believe-it/#comments Fri, 19 Nov 2010 15:00:07 +0000 Jay MacDonald http://www.bankrate.com/financing/?p=2670 http://www.bankrate.com/financing/insurance/turkey-insurance-believe-it/feed/ 0 http://www.bankrate.com/financing/insurance/he-aint-heavy-hes-my-employer/ http://www.bankrate.com/financing/insurance/he-aint-heavy-hes-my-employer/#comments Tue, 16 Nov 2010 15:00:58 +0000 Jay MacDonald http://www.bankrate.com/financing/?p=2612 http://www.bankrate.com/financing/insurance/he-aint-heavy-hes-my-employer/feed/ 4