Sandy has opened the door to FEMA and the EPA.
Sandy we could handle, but FEMA and the EPA will destroy our way of life.

Christie will say something smart.... he knows he is our strongest voice....

meanwhile think about why each one of the men are in that picture..... with no women...

Eather it will be a positive day for us or its going to look like Devils night lol, keep our fingers crossed

While the Point Pleasant Boro mayor is arguing against V Zones, the Toms River Engineer is arguing for moving the Barrier Island TO V Zones. Trying to raise all those homes will be impossible, cost prohibitive and will cause lots of owners/residents to evacuate for good. It would be interesting to know if any of the Toms River Officials live on the Barrier Island.

I would hope you republicon hypocrite didn't file a fema claim after all Mitt dressed in his magic underwear said it was immoral

Interesting meeting and mostly informative, with the exception of one of the township engineers who was rather abrupt and impatient with regard to our questions. Perhaps it would be advantageous to have someone who might be a little more helpful, as he holds to keys to the kingdom. Berkeley Township meeting last evening

In Ocean City they have made V Zones in areas that clearly should not be. V Zone indicates the possibility of 3 foot waves. If 3 foot waves ever reach the area between Bay and West Avenue the entire city would have to be wiped off the map. Hopefully our city government understands the implications of this flawed map.

The homes that are rebuilt to the more-stringent building codes should pay a lower insurance premium. The ones who are not in compliance should be permitted to remain out of compliance (this is a free country), but they should be subject to very-high flood insurance and have their deeds restricted (forcing the new structure to be in compliance) regarding rebuilding in the event of a total loss.

6% of homes in TR and 24% of taxes.....why would they dis the island?

SOMETHING TO THINK ABOUT
you have flood ins., and they're trying to arbitrarily raise your rates. You sign docs outlining your premiums. If they raise rates, they are in breach of contract. Can't change the rules after you start the game. If you hit a deer with your car, do your rates increase, no. It's class. as an act of God. More so, tell your mortgage company that YOU want to take control of paying the h/o's and flood ins. You then have the authority to pay your insurances in the same responsive manner that they have been there for you.

SOMETHING TO THINK ABOUT...
Do NOT let these companies bully you into doing something you're bit comfortable with. You need time for your attorney, and accountant to review any/all docs. Sign NOTHING. Afterall, isn't FEMA assisting displaced homeowners 18 months from the date your claim was filed. In order for your home to be habitable again, there needs to be a bedroom, bathroom, and kitchen. Take your time.... He who has the most patience grows the most fruit.

Get ready to get priced out of your homes

Emitted domain is coming

Our taxes and insurance rates will be the biggest tragedy we all face when all is said and done

Try and sell your home with high insurance rates and high taxes with empty lot,s all over the neighborhood

Vzone your so right the shore will never be the same for the people who live here

State must use EMINENT DOMAIN to get easements for building dunes and replenishing beaches -- to protect 1000s of homes on the mainland (Silverton was flooded, for instance) as well as the bay and the barrier island. A millionaire's ocean view is NOT more important than my safety and my home!

If you look at Belmar, both Lake Como and Silver Lake flooded. Silver Lake flooded a larger area. Yet, Lake Como has a bigger flood area on the new flood map. And still to this day no spillway on either lake. A higher berm around these lakes will not stop anything unless the storm drains are changed. Sad state of affairs. What's will all the piping and pumps across ocean ave. A complete failure in design.

Thats why I will FIGHT to the end to get my home out of the VZONE on Silver Bay!!

I see Lautenberg in the picture with the Gov and the Pres. This was before Lautenberg so incorrectly told a Senate committee that the ENTIRE Atlantic City boardwalk was destroyed in Sandy. His is so out of touch its sad.

I guess that to prep Lautenberg for this meeting they had to tell him:
1. That he was in New Jersey
2. That there was a severe storm.
3. That it did a lot of damage and thats why he is seeing all these houses broken apart.
4. Who the African American gentleman next to Christie is.

Agree 100% ,Michael Capo, on Lautenberg comments. He needs to step down.

Even if its good news , it will not help most people struggling to hang on

If its bad news. Turn out the lights.

Everyone here, with the exception of a few idiots who think the Government will help us, is correct. We will be priced out our homes by fema/flood insurance. This will be nothing compared to property taxes. We are in trouble folks.

Seems like a lot of talk & Pomp & circumstance alot of media.... but NOT a whole lot of help .... people still homeless, no heat no hot water, homes are just rumble...
many people where denied bcz its a ' second home Or a second vehicle,
What is that??? these are people that paid taxes ( if any thing MORE then most bcz they have 2 homes that they are paying on)
heard this morning that people are being advised to just knocked it down & sell in to the townships for " fair market value" ??? Really We all know how that went in Lang branch... Banks still want their mortgages & banks are just salivating WAITING for these homes to foreclose on...( car insurance companies still want the payment if you Didn't hand in the plates to DMV )

Kevin C. Sommons P.E.

Any physical disaster brings with it strong emotional responses. From the knee jerk reaction to 'rebuild just like it was' to the opposite end of the spectrum, 'we're done'. The silver lining of Sandy is the opportunity to wisely rebuild our beloved coast smarter, better and more capable of surviving the next Sandy. This rebuild will take time, smart use of resources and solid leadership at all levels. And like all construction there will be pain and tough decisions along the road but we are resilient people capable of meeting this challenge. Patience and commitment are a must as this reconstruction race is a marathon not a sprint.

Get ready for more disappointing news at this news conference. I hate to say it but I have lost faith in Christie

The only TRUE help has been from neighbors & in our communities that are suffering themselves WE have been there for each other NOT our Government, NOT our leaders, we helped each other get threw this & at no time did we stop & ask each other Are we democratic or republican .... we put each other hands out & pulled each other up & we will long after the politicians have a agenda

We need to show our disappointment in FEMA. I strongly suggest as many of us get there and voice our concerns

Anarcho-capitalism

Learn it. Understand it. Live it.

Christie will appear at 3 p.m. at the Seaside Heights Fire Department at the Main Fire Bay at 116 Sherman Avenue in Seaside Heights.

"Christie chose a town that has seen the worst of the wind and flooding damage as a result of the October superstorm."
WORST TOWN? TAKE A WALK TO ORTLEY BEACH TOM.

Heaven forbid that someone that lives on a coastal flood zone have to deal with new regulations after a disastrous storm. What's that about? I'm on the mainland way out of the disaster area and even I feel I'm close too close to the water even though I'm not. Now, one feels like they are entitled to emergency services and help and all that stuff but then don't want to obey the laws of the land? We are going to get more storms in the future. If one doesn't like to deal with the red tape then they should move away from that area or join emergency services and see the other side for a change. Face it, if you live in a danger zone, things change after a disaster.

Not to sound like a socialist; let's see
how and what an impact on developers who
received waivers ... "payment in lieu of taxes"
deals ... several state government officials
claimed that the "PILT" does not work as
expected ...
January 22, 2013 Stafford Council Meeting
Agenda "VOUCHER RESOLUTION"
AUTHORIZING THE PAYMENT OF BILLS
IN THE AMOUNT OF $10,101,467.13.
The new administration is a partisan
group of Ocean County GOP members.
Add to this new situation the over 27-years
under a non-partisan (bogus all Republican
party who approved development and
expansion into areas where serious damaging
flooding has existed for many years.
Now can someone tell me who is complicit
with the approvals and construction of so many
homes lost in Beach Haven West???
Will the expanded cost result in raising taxes
for people who were smarter and did not fail to
consider the style, location and structural features
of their homes ...
We shall see ... this is one election result that
reminds me of "be careful of what you wish for?"

Before the November 2012 election
the township was under a non-partisan
form of government ...
interesting fact ... they were all OC-GOP
connected Republicans for over 27-years
under the Block Team.
Let's see what they can do manage this mess ???
Will they rescind any and all tax waivers in this state
of emergency ... does anyone ever hear of an audit
of how much is lost to developers?
Payment in Lieu of Taxes???
Has anyone ever been presented a financial
impact annually on the waiver of property taxes?
I have yet to be provided the post closure costs
for the infamous Stafford Landfill Closure (direct
costs related the mediation of illegal landfills operated
for so many years by the sitting government over
30-plus years. The over $150,000,000 in bonding
for water and sewer plus costs ... does any citizen
actually believe that bonding debt has no impact
on our property taxes???
Many feel it's been a shell game of trying to find
the money??? Has anyone ever been able to see
a spread sheet on income and expenditures on
our website ... and I do not refer to the Budget
documents with thousands stated under "OTHER"

If I raise my house ill never make the money back on resale if I don't raise my house I can't afford the insurance bill

Bricktown lew this will affect you to the town lost a lot of tax income in sandy 40 or 50 homes plus the folks who can't raise the funds to raise they're homes will end up as empty lots so brick town lew get out your checkbook don't think your not a victim of sandy your disaster didn't hit yet

what about the towns in north jersey that flood all the time, lodi,etc.? have they gotten aid all those times? just wondering. i seem to remember other towns up there that flooded terribly because of the resevoir and river. did they have to raise their houses and pay exorbitant flood insurance? did fema help them? i am just asking if they did because i don't recall hearing about it except that they were flooded for days. if they didn't have to comply with these rules, then why do we?

I guess I was a luck as Fema red flagged me due to the condition of my house and I was lucky to get the max. amt of $. I am waiting on a SBA loan and living with a friend. Not touching my property until I find out what the rules are. my funds limited.
Fema was in our area walking the streets, in lounges, registering people even with reg. ins. and flood ins. They have called me several times to make sure I go to sba for help. They had set up centers in several areas in Manahawkin and posted signs all over. I never saw or heard from the Red Cross. ? There were no signs or reps on the streets - Fema did me right. I am sorry that others did not have a positive experience with them. I am living with a friend (lucky) and plan to go back to my fully gutted house in the spring. Have a contractor ready to work but holding back till I get the full picture. I am NOT giving up my lagoon front property which on a cracked slab and in my family for 75 yrs. I can't raise it. I guess I am positive or just didn't let this storm make me lose my Joy. I try to find something positive even though its hard at 63.
Christ in Action came and gutted my house for 1-1/2 days - n/c and fema took over after that. I got at least 12 calls from fema a recorded message if I need housing.
End of LBI for the second time was a horrible mess - people walking around like zombies in shock. No way that will be a V zone. $$$ talks.

What the folks do not realize is the sitting local
government along with the approvals of County
government (in this case Ocean County Republicans,
the codes, and building regulations are founded
and ultimately approved by the mayor and council
members ... I have witnessed development in Manahawkin
since 1959 ... area after area with density that made
me sick ... with homes 4-6 inches off grade many on slabs.
This is not the first time nor the last where local and
county government were complicit in such regulations ...
now the residents throughout the areas will have to pay
for this continued development ...
Many homes of the vintage were pure summer homes
with the owners who had hoped to enjoy a retirement
years later ... now are faced with expenses that shall
never be recovered ... like buying into a very bad stock
investment ... the homes that for the most part paid
under $300- annually in property taxes, made improvements
expanded and built decks, stairways bulkheads ...
all lost due to this free-fall form of development ...
many could not see the ratables factor ... Ocean County
Republicans saw huge revenue going into their coffers.

It's imperative that the Governor address protecting the barrier islands...the first line of defense against these coastal storms. Irregardless of FEMA maps which according to them were in the works before Sandy, the Ocean surge and wave action over ran and inundated the barrier islands, pouring tens of millions of gallons of salt water into upper Barnegat Bay, along with sand and debris that sank to the bottom, raising water levels even higher. Then shortly thereafter the two astronomical high tides added it's destruction, contributing more to flooding the towns on the mainland.

we didn't flood yet currently we are in a V zone and our first floor is at 15' on the metedeconk near midstreams

Obama Michelle & those ungrateful bratty girls needed to spend this week any where along Rt 35 get a Idea of whats really going on..

Want to fix the problem? Get the Government out of flood insurance. Build a house on the beach and take your chances. If it lasts forever, fine. If it gets washed away, and you dont have insurance, too bad. The Government , through FEMA, insures places that private insurance will not.

re: brkmama

The INAUGURAL EVENT COST $170 MILLION ...
refused to watch the arrogance on their faces and smiles ...
our country is in big trouble $$$$$
the country has never been so split ...
with a president who has promoted division with
every appearance ... an insult to every hard
working citizen watch our country headed
towards socialism ...
Christie sucking was disgusting ...

NOTE OF IMPORTANCE ...
PRIMARY RESIDENCE ... MY 2006 STUDY
SHOWED APPROXIMATELY 6,000 IN STAFFORD
WERE SUMMER HOMES ... UNDER TAX RECORD.COM
THE DATA SHOWED SOME LIVED AS CLOSE AS
BARNEGAT FAR AS NY STATE ...
SADLY THEY ARE TAXED WITHOUT REPRESENTATION
ASSUMING THEIR HOMES ARE SUMMER HOMES.

The answer isn't to force struggling, battered homeowners to elevate inland homes... The answer is for Christie, the government (federal and state) to build stronger dunes, storm proof the barrier islands, so breaches won't cause inland damage. Inland homes were flooded because of the new inlets that were formed when the inadequate dunes failed, forcing ocean waters into the Barnegat Bay! Inland homes do not see Velocity type surges/waves! If the government fronts the money to "increase compliance" for stronger dunes/shorelines, and demand FEMA re-assess their Flood Maps, based on the "increased compliance" on the shoreline, it will ease the flood insurance rates that are going to skyrocket if nothing is done. FIX THE PROBLEM, don't put a bandaid on it and expect the thousands of homeowners to go along with complying to bogus standards. We need a voice, someone needs to stand up and stop the government to bully us around! Anyone ready to stand up or will we coward in the corner and let the government stick it to us?

A friend just got a real estimate to raise their house, it was over $200,000. Who can afford this with a mortgage and unbelievable taxes ?

if obama was really thinking of the people, then he should have graciously said thank you (not because of my vote) instead of the elaborate sham that cost us 170,000.00. i couldn't care less where michelle buys her dresses, it sure looks like she had an otherwise complete makeover on our dime. why not wear last years dress like everyone else. seems like the family sure likes to whoop it up on vacations on our dime also. if they were truly for the working class, they should act like it. the comment recently made by obam about striving to help the poor and elderly really got to me. what about the middleclass which is supporting his every whim?

Hey gang - you need to look up Biggert Waters that was PASSED last July...no one has a clue yet...

Why isn't FEMA redoing the maps in NY & CT and making Staten Island, Queens, and Long Island go through this? Why just in NJ? Where are our Senators? They should be screaming about this. Menendez? Loutenbourg? Bueller?

Hey, where is the $50B for Sandy help? It's being held up by those reps who control the Senate. Oh yeah the dems control the Senate. We knew that because the dems control the media. Why? Because they have kept things quiet. Will Christie ask Lautenberg for the money? If he really cared about us, he would. We know Lautenberg and Menendez don't. Well?

After close investigation of the LBI area,
I decided to build my summer home in Surf City.
Len Connors has been our mayor for over 50-years.
My raised ranch is 8-9 feet above grade ...
we got only a small nuisance amount of water in the garage.
The home was built by one of the best in the area ...
no structural damage ... solid and sound.
Some homes were built about two concrete blocks above
grade did receive structural damage ...
A conservative Republican since 1969, I have yet to
know of a better and more caring mayor and council.
Beach front and main street flooding depending on
how recent the homes were constructed did no do well.
As for state and or county government, the performance
is the only manner to judge anyone institution ...
We have both FEMA flood insurance and homeowners
insurance with limits to structural damage only ...
lucky yes to some degree but a result of a solid study
on historic storms since the 60's did help ...

Best to all who lost their homes ... hoping state will do
the best for those who lost everything ...

agree

If Christie truly wanted to see a town that had the worst of flood and wind damage, maybe he should venture north from Seaside into Ortley Beach. We are not being referred to as Ground Zero for nothing. The squeaky wheel gets the oil; I guess Toms River feels silence will keep people from seeing what a real disaster looks like.

When Obama did his public appearance with Christie right before the election, after the storm hit, didn't he make a slew of promises? Does anyone think that he has followed through on what he said he would do? Lie all lies. Thats all that politicians spew. This entire disaster has become a joke and not in a funny haha way. Its as if the right hand doesn't know what the left hand is doing. You can't get a straight answer from anyone. My husband and I have a home in Manahawkin its the second to last street that saw water and yet we are being placed in a V zone. Seriously? The street in back of us didn't get a drop and were in a V zone, how does that make any sense. Yes we got water, but to change us to a V zone with the risk of a 3 foot wave is just crazy. We need help. We need answers. We can't do anything until these people can come to some agreement as to what the future of the shore is going to be and they need to decide fast because people want to get on with their lives. How would they all feel if they were left in limbo with all this stress. I don't have countless hours to spend on the phone or at my computer trying to get in touch with the right person who can answer my question. Its very frustrating to say the least.

So what did the fat liar have to say ???? Property taxes staying under his 2% cap ?

The new rules will protect shore homes from the type of damage delivered by Sandy, the governor said.

“We don’t want to go through this again,” Christie said. “We don’t want another storm again, but that we don’t get to choose. This is what we get to choose.”

The governor said his order will also eliminate the uncertainty faced by homeowners who wanted to rebuild after Sandy but did not know what the new regulations would entail.

Last month FEMA issued advisory base flood elevation maps to provide municipalities and homeowners with guidance for rebuilding. The maps are considered a precursor to new federal flood insurance rate maps, the drafts of which are expected to be released later this year. Current maps in many areas along the shore were last drawn in the 1980s and do not accurately reflect the insurance risk for property owners, FEMA officials have said.

By building to the FEMA standards, New Jersey homeowners will see substantially reduced rates for flood insurance, according to the governor.

Since Hurricane Sandy struck Oct. 29, causing catastrophic damage in parts of Ocean and Monmouth counties, as well as record tidal flooding in Cape May and Atlantic counties, municipalities and homeowners have been demanding guidance from the state and federal government on how and where houses should be rebuilt.

The prospect of new maps requiring property owners to either raise their house or face extreme increases in flood insurance rates has many shore property owners waiting in uncertainty, worried that if they don’t raise their house, they won't be able to afford flood insurance. If homeowners raise their house before the new maps are adopted, they are concerned whether they have added enough elevation, said Mark Mauriello, former DEP commissioner and Director of Environmental Affairs and Planning for Edgewood Properties, a Piscataway-based development company.

Flood insurance rates already have shot up as of this month due to new federal regulations requiring property owners pay more into a deeply indebted National Flood Insurance Program. For those properties that may be below the base flood elevation in a few years, the cost increase is staggering, Mauriello said. Insurance for a typical coastal zone house built to the minimum elevation standard would be about $1,700 per year for full coverage, he said. If the structure has been raised to two feet above the minimum, the cost is $633 a year.

But if the house is 1 foot below the minimum standard, the cost is $5,200 a year; 2 feet below the cost is $8,300 a year, Mauriello said.

The issue for many residents along bay side properties and on low-lying sections of barrier islands is that the proposed FEMA maps more than double the areas flagged as velocity zones, which require buildings to be constructed with codes designed to withstand waves on top of floodwaters. The so-called “velocity zone,” was once relegated to oceanfront properties because houses right along the beach were considered to be most at risk.

Among the communities with the most dramatic changes on the maps was Brigantine, where much of the low-lying north end was listed as under that zone.

Brigantine municipal engineer Ed Stinson said Wednesday that the studies that would solidify whether interior island sections or even properties directly along the bay are truly at risk and, therefore, would need to be built on driven piling in order to meet flood map standards, have not been complete.

Such a designation on middle class communities that have houses built almost solely on concrete blocks, Brigantine Mayor Phil Guenther said, would be financially devastating, potentially even driving a dramatic demographic change.

Who is going to pay for flood Insurance at those rates soooo lets all pack up and leave so the big money can do what the government wants

The governor has just shown why he should never be president of the United States of America by making a quick decision on adopting the ABFE Maps. The decision to adopt these maps will destroy the jersey shore. ( properties will be in foreclosure, owners will have to sell ) He has just made many existing dwellings non-conforming in regards to finished floor height which will force owners to sell ( or lose their homes to the bank ) because of outrages flood insurance policy cost. ( hopefully the federal government steps in and deflates his overzealous personality )

This will all happen again - soon - you can bet on it.

Only fools repeat serious mistakes - rebuilding is a serious mistake.

Take a check/buyout and move to higher ground.

Having been part of a large family who
built homes in Point Pleasant, Herbertsville, and Bay Head
many sold out in the late 50's and lost out on the $$$ market.

Only one got hit big on a ground level bayside Pt Pleasant.
Face facts, this approvals for building were all based upon
ratables and property taxes ... the mayor realtor and property
investor made sure construction was allowed in several
long beach township communities ... many were wiped out ...
has anyone checked into a mass law suit? Surely there are enough
for a class-action suit based upon codes and structural zones ...
funny how these governing bodies are mostly "reactive not proactive"
So now we are hearing of major flood zone changes ... were they
all blinded by their own personal investments?
Power is the key ... folks best wake up ???

We are getting a little buzz in the papers.

http://www.northjersey.com/news/recordpolitics/Christie_NJ_adopting_feds_advisory_flood_maps.html?c=y&page=3

South Bound Brook, NJ

It's a joke how many times it's been underwater.
Do THEY have to raise their houses after YEARS of repeated flooding ??
WHY NOT ??!!

Dear Press, Public Officials and Flood Insurance Property Owners:
What we want are our Politicians to change;
1) A thorough re-evaluation of the flood zones, in a timely fashion.
2) Evaluating if we raise the dunes a few feet if it will significantly reduce all our flood levels and insurance premiums.
3) Getting quick answers as to who gets the mitigation grants, when they get the grant and for how much.
4) Creative ways to lower our flood insurance premiums
5) Grace period of a few years before the rise in flood insurance premiums
6) FEMA to notify all homeowners of the impending new flood insurance rates and elevation requirements

What we want from all Flood Insurance homeowners to do;
1) Copy and paste this email and send to your local, state, federal politicians and members of Press.
2) Form Coalition to protect our interests.
3) Spread the word to your neighbors

George Kasimos
www.facebook.com/StopFemaNow

If your flood zone was changed you can submit a LOMA reqest to FEMA for a LETTER Of Map Amendment on the FEMA website, you need to upload some docs like deed, flood maps, municipal mapsand elevation or FIRM maps. You should get answer in 30-60 days

Shore towns' politicians must collaborate with county freeloaders and Gov. to pressure FEMA to modify the ridiculous temporary maps to something that won't destroy the Jersey Shore.

1000s of Shore homeowners will leave the state, leaving ghost towns behind, unless towns' engineers and mayor appeal the preliminary maps by submitting accurate info.

"FEMA comes up with these maps, but it's up to the towns to determine any changes made to those maps." Yes, lazy FEMA bureaucrats using Google aerial maps have made major mistakes in elevations and flood hazard zones!

I spoke with Bonnie Flynn of Stafford Twp Community Development Head and she said they will review my certificate. I for one am not rushing into anything, especially if the maps could change. I also asked my insurance company if I apply for the ICC grant and then decide not to do it, will I be tied to the grant? She told me no. So that was good to know. Once the maps are revised, you can file a LOMR, which is a Letter of Map Revision, this is done by way of Fema through the chief executive officer of the community, since according to the Fema handbook " its the community that must adopt any changes and revisions to the map. Unfortunately, for so many who need to rebuild and want to get their life back, their choices have to be made now, especially for so many who's homes are on slabs. Be wary of who you use, there is alot of price gouging. I got a ridiculous quote that was over $74,000 to raise my home and didn't include about $25,000 worth of extras. Just be wary.

What is a LOMA?

Here it is exactly from the NFIP questions handbook that I picked up in Home depot.
A LOMA is a letter that officially revises an effective FEMA NFIP map. A LOMA results from an administrative procedure involving the review of scientific or technical data submitted by the owner or lessee of property who believes the property has incorrectly been included in a designed SFHA (Special Flood Hazard Area) or has been incorrectly indentified in the wrong SFHA. A LOMA amends the currently effective FEMA map and establishes that a specific property is not located in the SFHA or is located within the correct SFHA.

The problem with the LOMA, is that, right now you can't use it because technically we are still going by the old flood zones. So you would in a sense be appealing your old zone not the advisory. If you want to appeal, and this came directly from FEMA's Map division person, I was told to appeal to my town directly. I was told to take my elevation certificate to the engineer to dispute the zone change because the town can change your zone. http://www.nfipiservice.com/watermark/Disputing_Flood.html

This is a GREAT Facebook page. It's full of information and proves that the economic impact of the new FEMA regulations and the willingness of the once great State of New Jersey and the municipalities that don't don't fight for their constituencies will destroy the shore..The ramifications will affect all citizens, not just those directly affected:

[Stop FEMA now | Facebook
www.facebook.com/StopFemaNow
facebook/StopFemaNow. Flood-elevation maps will destroy the Shore. www.app.com. Gov. Christie's adoption of the Federal Emergency Management Agency's ...]