{"id":6221,"date":"2026-05-27T09:37:15","date_gmt":"2026-05-27T09:37:15","guid":{"rendered":"https:\/\/assistinghands.com\/franchise-opportunity\/?p=6221"},"modified":"2026-05-27T09:48:48","modified_gmt":"2026-05-27T09:48:48","slug":"independent-home-care-agency-vs-franchise","status":"publish","type":"post","link":"https:\/\/assistinghands.com\/franchise-opportunity\/blog\/independent-home-care-agency-vs-franchise\/","title":{"rendered":"Independent Home Care Agency vs. Franchise: Pros and Cons"},"content":{"rendered":"<p>If you are considering starting a home care business, one of the first and most important decisions you will face is this: do you build your own independent agency from scratch, or do you buy into an established franchise system?<\/p>\n<p>Both paths can lead to a successful, meaningful business. But they are very different journeys, and choosing the wrong one for your situation can cost you significant time, money, and energy. This guide breaks down the real pros and cons of each option so you can make an informed decision based on your goals, your finances, and the kind of business owner you want to be.<\/p>\n<p>As a Board-Certified Orthopedic Physical Therapist and healthcare executive with more than 35 years of clinical and administrative experience, I have seen this industry from nearly every angle. I now serve as the Wisconsin and Illinois Area Representative for Assisting Hands Home Care, where I mentor every new franchise owner through startup, staffing, compliance, and growth. I have helped more than 18 franchisees build successful home care businesses in this region, and the question I hear most often from people researching this path is exactly what this guide addresses: should I go independent or buy into a franchise? I want to give you a straight answer based on what I have seen work and what I have seen struggle.<\/p>\n<h2>The Home Care Industry: Why Now Is a Strong Time to Enter<\/h2>\n<p>Before comparing the two models, it helps to understand why this industry is growing so consistently.<\/p>\n<p>According to the U.S. Census Bureau, adults aged 65 and older will outnumber children under 18 for the first time in American history by assistinghands.com\/2034\/senior-care\/articles\/survey-aging-in-place&#8221;&gt;June 2025 U.S. News and World Report survey of 1,000 adults aged 60 to 92 found that 94% of older adults want to age in place in their current homes and communities. The AARP 2024 Home and Community Preferences Survey, which surveyed more than 3,000 adults, found that 75% of adults aged 50 and older wish to remain in their current homes as they age. Both surveys point to the same reality: the demand for in-home care is not a trend. It is a structural shift in how Americans approach aging. &#8220;We are entering the home care market just as the oldest baby boomers turn 80 and begin needing services. While this demographic currently represents our smallest market segment\u2014given that our average client is an 85-year-old female\u2014it signals a massive wave of upcoming growth.&#8221;<\/p>\n<p>Whether you open a franchise or an independent agency, you are entering a market that is not going away. The question is simply which path gives you the best chance of building a sustainable business within it.<\/p>\n<h2>What Is the Difference Between a Franchise and an Independent Agency?<\/h2>\n<p>An independent home care agency is a business you build from the ground up. You create your own brand, develop your own processes, build your own referral network, and make every operational decision yourself.<\/p>\n<p>A home care franchise means you purchase the right to operate under an established brand using a proven system. You pay an initial franchise fee and ongoing royalties in exchange for training, brand recognition, marketing support, and operational guidance.<\/p>\n<p>Both models serve the same clients. The difference is in how you get there and what it costs you along the way, financially and in terms of time and support.<\/p>\n<h2>Independent Home Care Agency: Pros and Cons<\/h2>\n<h3>The Pros<\/h3>\n<ul>\n<li><strong>Complete control over your business<\/strong>. When you build an independent agency, every decision is yours. You choose your services, your pricing, your branding, your hiring standards, and how you grow. If you have strong business instincts and a clear vision for the kind of care you want to provide, this level of control can be a real advantage.<\/li>\n<li><strong>No royalty fees.<\/strong> This is one of the most significant financial differences between the two models. Independent agency owners keep all of their revenue. Home care franchise royalty fees typically run between 4% and 7% of gross revenue, based on current Franchise Disclosure Documents from several major brands. On a business generating $500,000 annually, that is between $20,000 and $35,000 per year going back to the franchisor, every year.<\/li>\n<li><strong>Build something that is entirely yours<\/strong>. There is something meaningful about building a brand from scratch. If you eventually want to sell, you own 100% of the business equity without franchise agreement restrictions affecting the sale.<\/li>\n<li><strong>Freedom to innovate<\/strong>. Independent owners can test new services, adjust pricing quickly, enter new niches, and respond to local market conditions without waiting for franchisor approval. If the market in your area has a specific unmet need, you can move on it immediately.<\/li>\n<\/ul>\n<h3>The Cons<\/h3>\n<ul>\n<li><strong>You start with zero brand recognition<\/strong>. Building trust with referral sources, families, and the broader community takes time when nobody has heard of you before. This is one of the hardest parts of starting independently, especially in a field where families are making deeply personal decisions about care for a loved one.<\/li>\n<li><strong>Higher effective startup costs in many cases<\/strong>. While you avoid the initial franchise fee, you have to build or buy everything yourself: a website, branding, marketing materials, software systems, compliance documentation, training programs, and referral development. The U.S. Small Business Administration notes that startup costs for independent home care agencies typically run from $40,000 to $150,000 depending on state licensing requirements, staffing, and operational setup.<\/li>\n<li><strong>No built-in support system<\/strong>. When you hit a problem, you figure it out alone or pay consultants to help. There is no franchisor support line, no operations manual refined over years of experience, and no network of fellow owners to call when something goes wrong.<\/li>\n<li><strong>Licensing and compliance is entirely your responsibility<\/strong>. Home care licensing requirements vary significantly by state and can be complex. Getting this wrong is costly. Independent owners navigate this process without guidance unless they hire outside expertise.<\/li>\n<li><strong>Slower ramp-up time<\/strong>. Building referral relationships with hospitals, physicians, discharge planners, and community organizations from scratch takes time. Many independent agencies struggle in the first one to two years before their referral pipeline becomes consistent.<\/li>\n<\/ul>\n<h2><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-large wp-image-6223\" src=\"https:\/\/assistinghands.com\/franchise-opportunity\/wp-content\/uploads\/sites\/84\/2026\/05\/Independent-Home-Care-Agency-Pros-and-Cons-1024x562.jpg\" alt=\"\" width=\"1024\" height=\"562\" srcset=\"https:\/\/assistinghands.com\/franchise-opportunity\/wp-content\/uploads\/sites\/84\/2026\/05\/Independent-Home-Care-Agency-Pros-and-Cons-1024x562.jpg 1024w, https:\/\/assistinghands.com\/franchise-opportunity\/wp-content\/uploads\/sites\/84\/2026\/05\/Independent-Home-Care-Agency-Pros-and-Cons-300x165.jpg 300w, https:\/\/assistinghands.com\/franchise-opportunity\/wp-content\/uploads\/sites\/84\/2026\/05\/Independent-Home-Care-Agency-Pros-and-Cons-768x421.jpg 768w, https:\/\/assistinghands.com\/franchise-opportunity\/wp-content\/uploads\/sites\/84\/2026\/05\/Independent-Home-Care-Agency-Pros-and-Cons-1536x843.jpg 1536w, https:\/\/assistinghands.com\/franchise-opportunity\/wp-content\/uploads\/sites\/84\/2026\/05\/Independent-Home-Care-Agency-Pros-and-Cons-600x329.jpg 600w, https:\/\/assistinghands.com\/franchise-opportunity\/wp-content\/uploads\/sites\/84\/2026\/05\/Independent-Home-Care-Agency-Pros-and-Cons.jpg 1693w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/h2>\n<h2>Home Care Franchise: Pros and Cons<\/h2>\n<h3>The Pros of Home Care Franchise<\/h3>\n<ul>\n<li><strong>Established brand and immediate credibility<\/strong>. When families are searching for home care for a loved one, they often feel more comfortable with a name they recognize. A franchise gives you that recognition on day one rather than requiring you to earn it over years.<\/li>\n<li><strong>Proven systems and training<\/strong>. Franchisors have spent years refining their operational playbook. From hiring and scheduling to compliance and client care plans, you get access to systems that took others years and significant trial and error to develop. This matters especially if you do not come from a healthcare background.<\/li>\n<li><strong>Support when you need it<\/strong>. Most franchise agreements include ongoing operational support, access to a network of other franchisees, marketing resources, and a team you can call when problems arise. For first-time business owners, this safety net can be the difference between getting through a difficult period and giving up.<\/li>\n<li><strong>Easier access to financing<\/strong>. Lenders and the Small Business Administration often view franchises more favorably than independent startups because the business model has a proven track record. This can make it easier to qualify for a loan, which is important when initial startup costs need to be covered.<\/li>\n<li><strong>Faster client acquisition<\/strong>. Because the brand is already known and the franchisor typically provides marketing support and sometimes leads, franchise owners often build their client base more quickly than independent operators starting from zero.<\/li>\n<li><strong>A community of fellow owners<\/strong>. One of the underrated benefits of franchising is the network. When you encounter a problem, there are often hundreds of other franchisees who have faced the same challenge and can share what worked for them.<\/li>\n<li><strong>Focus<\/strong>. Franchise owners can focus on important issues like: growth, market share, sales and not have to reinvent the wheel with logos, website, policies, procedures, paperwork, location, how to scale, etc.<\/li>\n<\/ul>\n<h3>The Cons of Home Care Franchise<\/h3>\n<ul>\n<li><strong>Ongoing royalty fees reduce your margin<\/strong>. As noted above, royalties in the home care franchise space typically run between 4% and 7% of gross revenue, with additional marketing fees often running another 1% to 2%. These fees are ongoing for the life of the franchise agreement, regardless of how profitable your location is. Choose a franchise that lets you keep more of your funds invested locally.<\/li>\n<li><strong>Significant upfront investment<\/strong>. Initial franchise fees vary widely. Based on publicly available Franchise Disclosure Documents, initial fees for established home care brands range from roughly $29,500 on the low end to $60,000 or more for larger brands, before additional startup costs. Total initial investment for many home care franchises falls between $100,000 and $200,000.<\/li>\n<li><strong>You operate within someone else&#8217;s rules<\/strong>. A franchise agreement defines what you can and cannot do. You may have restrictions on the services you offer, the territory you serve, how you market, and the vendors you use. Entrepreneurs who strongly value independence often find these restrictions frustrating over time. Choose a franchise that has guardrails, not strict railroad tracks on compliance.<\/li>\n<li><strong>Not all franchisors are equal<\/strong>. The home care franchise space is crowded. Some brands entered the market because they saw a profitable industry, not because they had deep expertise in care. Buying into the wrong franchise, with poor support or a brand that does not resonate in your market, can be just as difficult as starting independently.<\/li>\n<li><strong>Exit restrictions<\/strong>. When you are ready to sell or exit, franchise agreements often may include some restrictions on how you can sell, and the franchisor has to approve who you can sell to, and what happens to the brand when you leave.\u00a0 My experience is franchisees can be very helpful on exit planning, finding buyers and making sure you have a quality buyer that is going to stick around so you can get the value you want and take advantage of any SBA required holdbacks, etc. These terms can affect the value you ultimately realize from the business. But franchise models beat brand recognition and that brand has value.<\/li>\n<\/ul>\n<h2><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-large wp-image-6222\" src=\"https:\/\/assistinghands.com\/franchise-opportunity\/wp-content\/uploads\/sites\/84\/2026\/05\/Home-care-franchise-pros-and-cons-1024x562.jpg\" alt=\"\" width=\"1024\" height=\"562\" srcset=\"https:\/\/assistinghands.com\/franchise-opportunity\/wp-content\/uploads\/sites\/84\/2026\/05\/Home-care-franchise-pros-and-cons-1024x562.jpg 1024w, https:\/\/assistinghands.com\/franchise-opportunity\/wp-content\/uploads\/sites\/84\/2026\/05\/Home-care-franchise-pros-and-cons-300x165.jpg 300w, https:\/\/assistinghands.com\/franchise-opportunity\/wp-content\/uploads\/sites\/84\/2026\/05\/Home-care-franchise-pros-and-cons-768x421.jpg 768w, https:\/\/assistinghands.com\/franchise-opportunity\/wp-content\/uploads\/sites\/84\/2026\/05\/Home-care-franchise-pros-and-cons-1536x843.jpg 1536w, https:\/\/assistinghands.com\/franchise-opportunity\/wp-content\/uploads\/sites\/84\/2026\/05\/Home-care-franchise-pros-and-cons-600x329.jpg 600w, https:\/\/assistinghands.com\/franchise-opportunity\/wp-content\/uploads\/sites\/84\/2026\/05\/Home-care-franchise-pros-and-cons.jpg 1693w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/h2>\n<h2>Earnings: What Do the Numbers Say?<\/h2>\n<p>This is often the question prospective owners care about most, and the honest answer is that both models can be profitable, and both can struggle.<\/p>\n<p>According to <a href=\"https:\/\/clarifycapital.com\/blog\/home-care-agency-owner-income-2025\" target=\"_blank\" rel=\"noopener\">Clarify Capital<\/a>, independent home care agency owners earn an average of $102,835 annually, while franchise owners average $149,083, benefiting from built-in referral networks and brand support. Franchise owners at the higher end of performance report annual compensation in the $250,000 to $300,000 range.<\/p>\n<p>However, those averages do not account for royalty fees, which reduce take-home earnings for franchise owners. An independent owner generating the same gross revenue as a franchise owner will keep more of it, but may take longer to reach that revenue level in the first place.<\/p>\n<p>The better question is not which model earns more on paper. It is which model gives you, specifically, the best chance of building a profitable business given your background, capital, risk tolerance, and local market.<\/p>\n<h2>How to Choose the Right Path for You<\/h2>\n<h3>Choose a franchise if:<\/h3>\n<ul>\n<li>You are new to business ownership and want a proven system to follow<\/li>\n<li>You want faster access to brand recognition and client referrals<\/li>\n<li>You have the capital for the initial investment and are comfortable with ongoing royalties<\/li>\n<li>You value support, training, and a network of fellow owners<\/li>\n<li>You want a lower-risk path to getting started in home care<\/li>\n<\/ul>\n<h3>Choose to go independent if:<\/h3>\n<ul>\n<li>You have prior business ownership or home care industry experience<\/li>\n<li>You want full control over every aspect of your brand and operations<\/li>\n<li>You are willing to invest time in building your referral network from scratch<\/li>\n<li>You want to keep 100% of your revenue without ongoing royalty obligations<\/li>\n<li>You have a clear vision for a specialized or differentiated care model<\/li>\n<li>You have much more money on start up to deal with distractions<\/li>\n<li>You have time to delve into rules, regulations of the state and feds and can keep up with quarterly changes.<\/li>\n<\/ul>\n<p>And if you are not sure yet, the most honest advice is to spend time talking to both franchise owners and independent agency operators in your region before you commit to either path. The conversations you have with people who are already doing this work will tell you more than any marketing material from a franchisor or any general guide like this one.<\/p>\n<h2>A Note on Purpose<\/h2>\n<p>Whatever model you choose, the home care business is one where your values show up in everything. Families trust you with the people they love most. The owners who build lasting businesses in this industry tend to be the ones who entered it for the right reasons and built cultures of genuine compassion from day one.<\/p>\n<p>That is what drew me to this work after 35 years in clinical healthcare. And it is what I see in the best franchise owners I have worked with in Wisconsin and Illinois. The ones who build lasting businesses are not just chasing an income stream. They are building something they are proud to put their name on.<\/p>\n<h2>What I Would Tell a Friend Considering This<\/h2>\n<p>I have been in healthcare for over 35 years. I have worked with more than 15 franchise owners in Wisconsin and Illinois, and before that I spent decades on the clinical side as a physical therapist and healthcare executive. I have seen a lot of people make this decision, and I have seen both outcomes.<\/p>\n<p>The people who go independent and have no prior home care experience almost always spend their first year or two learning things the hard way. They build processes that already exist somewhere. They try to open referral doors with a name nobody recognizes yet. It is not impossible, but it is harder and slower than it needs to be.<\/p>\n<p>The people who come into this through a franchise with real local support move faster, make fewer costly mistakes, and spend more of their time actually building the business instead of figuring out the basics.<\/p>\n<p>I compete locally with two other franchise models, because they know how to brand, build a website, and market the right way.\u00a0 Mom and pop agencies can not compete as well as franchise models and time is money.<\/p>\n<p>I am not going to tell you franchising is right for everyone, because it is not. But if you are newer to this industry, if you want someone in your corner who knows the Wisconsin market and the healthcare referral landscape, and if you want a system that has already been built and tested, then the franchise path will get you where you want to go faster.<\/p>\n<p>If you want to talk through your situation specifically, call me. I will give you a straight answer about whether this makes sense for you, and if it does not, I will tell you that too.<\/p>\n<h2>Start Your Assisting Hands Franchise in Wisconsin<\/h2>\n<p>Prime territories are still available across Wisconsin, including Madison, Green Bay, Kenosha, Appleton, Racine, Oshkosh, Lake Geneva, and West Bend. <a href=\"https:\/\/assistinghands.com\/franchise-opportunity\/blog\/senior-care-franchise-wisconsin-2026-trends\/\">Wisconsin&#8217;s senior population is growing faster than its caregiver workforce<\/a>, and 75% of older adults want to stay in their homes long term. The opportunity is real and it is right now.<\/p>\n<h3>Here is what you get with Assisting Hands in Wisconsin:<\/h3>\n<ul>\n<li>Lower royalty and advertising fees than most competing franchise brands, so more revenue stays with you locally<\/li>\n<li>Hands-on mentorship from me, your local Area Representative, from day one through long-term growth<\/li>\n<li>Comprehensive training in operations, caregiver recruitment, compliance, and marketing<\/li>\n<li><a href=\"https:\/\/assistinghands.com\/franchise-opportunity\/blog\/multiple-revenue-streams-senior-care-franchising\/\">Five multiple revenue streams<\/a> including non-medical care, skilled nursing, staffing, case management, and equipment sales<\/li>\n<li>A tight-knit network of fellow owners across Illinois and Wisconsin who genuinely support each other<\/li>\n<li>Named a Top Franchise for 2025 by Franchise Business Review based on owner satisfaction scores<\/li>\n<li>Most owners launch within three to six months of their first conversation<\/li>\n<li>No healthcare background required<\/li>\n<\/ul>\n<p>The next step is a simple, no-obligation conversation.<\/p>\n<h2>Request Information About Wisconsin Franchise Opportunities<\/h2>\n<p>Or call or email me directly. I respond personally.<\/p>\n<p><a href=\"https:\/\/assistinghands.com\/franchise-opportunity\/wisconsin\/\">Start Your Assisting Hands Franchise in Wisconsin<\/a>.<\/p>\n<p>Richard E. Ueberfluss, Wisconsin and Illinois Area Representative<\/p>\n<p>Phone: (262) 585-0330<\/p>\n<p>Office: 811 East Washington Ave, Suite 400, Madison, WI 53703<\/p>\n<h2>FAQs<\/h2>\n<p>These are the questions I hear most often from people who are seriously considering entering the home care business in Wisconsin. If yours is not here, call me directly and I will answer it straight.<\/p>\n<h3>Is a home care franchise profitable?<\/h3>\n<p>Yes, and the data backs it up. Franchise owners in the home care space average $149,083 annually according to Clarify Capital, with high performers reporting $250,000 to $300,000 per year. Profitability depends on your territory, how quickly you build referral relationships, and how well you retain caregivers. Most Assisting Hands franchise owners in Wisconsin reach profitability within their first year of operation.<\/p>\n<h3>How long does it take to build a client base in home care?<\/h3>\n<p>With a franchise, most owners start seeing consistent client referrals within the first three to six months, especially when working with a local Area Representative who already has relationships with hospitals, discharge planners, and healthcare providers in the region. Going independent, that same process typically takes one to two years.<\/p>\n<h3>What is the biggest challenge in running a home care business?<\/h3>\n<p>Caregiver recruitment and retention. It is the number one operational challenge across both independent and franchise models. Franchise owners have an advantage here because lower royalty fees mean more revenue stays local, which allows you to offer more competitive wages and benefits to attract and keep quality caregivers.<\/p>\n<h3>Can I own a home care franchise if I have no business experience?<\/h3>\n<p>Yes, but you need to be honest with yourself about the learning curve. A franchise gives you systems, training, and a mentor, which significantly reduces the risk for first-time business owners. What matters more than prior business experience is your ability to build relationships, manage people, and stay consistent under pressure.<\/p>\n<h3>What licenses do I need to open a home care business in Wisconsin?<\/h3>\n<p>Wisconsin requires home care agencies to be licensed through the Wisconsin Department of Health Services. Requirements include background checks, caregiver certification standards, and compliance documentation. The licensing process can take several months, which is one reason most franchise owners plan for a three to six month runway from signing to launch. Assisting Hands provides regulatory guidance throughout this process.<\/p>\n<h3>What is the difference between non-medical and skilled home care?<\/h3>\n<p>Non-medical home care covers daily living support such as bathing, dressing, meal preparation, companionship, and transportation. Skilled home care involves licensed clinical services like nursing assessments, wound care, and physical therapy. Most home care franchises, including Assisting Hands, are built on non-medical care but offer pathways to expand into skilled nursing and staffing, which creates additional revenue streams over time.<\/p>\n<h3>Is home care recession-resistant?<\/h3>\n<p>It is one of the more stable industries available to franchise owners. Demand is driven by demographics, not consumer discretionary spending. People need care whether the economy is strong or not, and with Wisconsin&#8217;s senior population projected to grow significantly through 2030, the underlying demand is not going away regardless of broader economic conditions.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you are considering starting a home care business, one of the first and most important decisions you will face is this: do you build your own independent agency from scratch, or do you buy into an established franchise system? Both paths can lead to a successful, meaningful business. But they are very different journeys, and choosing the wrong one&#8230;<\/p>\n","protected":false},"author":41,"featured_media":6224,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[79],"tags":[91,96,97],"class_list":["post-6221","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-wisconsin-home-care-business","tag-home-care-franchise","tag-independent-home-care-agency","tag-pros-vs-cons"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Independent Home Care Agency vs. Franchise: Pros and Cons | Assisting Hands Wisconsin<\/title>\n<meta name=\"description\" content=\"Compare the pros and cons of starting an independent home care agency vs. buying a franchise, including costs, royalties, support, and earnings.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/assistinghands.com\/franchise-opportunity\/blog\/independent-home-care-agency-vs-franchise\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Independent Home Care Agency vs. Franchise: Pros and Cons | Assisting Hands Wisconsin\" \/>\n<meta property=\"og:description\" content=\"Compare the pros and cons of starting an independent home care agency vs. buying a franchise, including costs, royalties, support, and earnings.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/assistinghands.com\/franchise-opportunity\/blog\/independent-home-care-agency-vs-franchise\/\" \/>\n<meta property=\"og:site_name\" content=\"Assisting Hands Home Care | Franchise Opportunity\" \/>\n<meta property=\"article:published_time\" content=\"2026-05-27T09:37:15+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-05-27T09:48:48+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/assistinghands.com\/franchise-opportunity\/wp-content\/uploads\/sites\/84\/2026\/05\/Independent-Home-Care-Agency-vs.-Franchise-Pros-and-Cons.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1536\" \/>\n\t<meta property=\"og:image:height\" content=\"1024\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Richard E. 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