2026 assessment
$643K
OPA value, not a listing price
House report
4164 Terrace St
3 bd2 ba3 stories2,160 sqftRSA5built 2019
Property at a glanceHouse
Owner-occupancy signal
ZIP 19128 area
Roxborough
4100 block of Terrace St
Assessment and City record timeline
Published City assessments for this house against its block and ZIP. Dated City filings are marked on the same line. Select one to read it. Assessments are tax-roll values, not sale prices or appraisals.
- OPA assessment · 2016$207K assessed valueOPA’s value on the City tax roll for that year. It is not an appraisal, listing price, sale price, or live tax balance.How Philadelphia property assessments work ↗
- OPA assessment · 2017$207K assessed valueOPA’s value on the City tax roll for that year. It is not an appraisal, listing price, sale price, or live tax balance.How Philadelphia property assessments work ↗
- OPA assessment · 2020$59K assessed valueOPA’s value on the City tax roll for that year. It is not an appraisal, listing price, sale price, or live tax balance.How Philadelphia property assessments work ↗
- OPA assessment · 2021$59K assessed valueOPA’s value on the City tax roll for that year. It is not an appraisal, listing price, sale price, or live tax balance.How Philadelphia property assessments work ↗
- OPA assessment · 2022$59K assessed valueOPA’s value on the City tax roll for that year. It is not an appraisal, listing price, sale price, or live tax balance.How Philadelphia property assessments work ↗
- OPA assessment · 2023$59K assessed valueOPA’s value on the City tax roll for that year. It is not an appraisal, listing price, sale price, or live tax balance.How Philadelphia property assessments work ↗
- OPA assessment · 2024$635K assessed valueOPA’s value on the City tax roll for that year. It is not an appraisal, listing price, sale price, or live tax balance.How Philadelphia property assessments work ↗
- OPA assessment · 2025$643K assessed valueOPA’s value on the City tax roll for that year. It is not an appraisal, listing price, sale price, or live tax balance.How Philadelphia property assessments work ↗
- OPA assessment · 2026$643K assessed valueOPA’s value on the City tax roll for that year. It is not an appraisal, listing price, sale price, or live tax balance.How Philadelphia property assessments work ↗
- OPA assessment · 2027$675K assessed valueOPA’s value on the City tax roll for that year. It is not an appraisal, listing price, sale price, or live tax balance.How Philadelphia property assessments work ↗
- Teardown · 2018DemolishedThis permit category usually covers partial or complete removal work. The approved scope—not the short category—defines what was authorized, and issuance alone does not prove completion.Philadelphia construction and repair permits ↗
- Deed / sale · 2020Deed / sale $635KA recorded real-estate document or transfer event. The amount and date can be useful history, but the underlying deed and transfer-tax filing control the parties, consideration, and legal effect.How to read the recorded document ↗
- Deed / sale · 2024Deed / sale $750KA recorded real-estate document or transfer event. The amount and date can be useful history, but the underlying deed and transfer-tax filing control the parties, consideration, and legal effect.How to read the recorded document ↗
- Permit · 2017-10-23PlumbingThis permit category usually covers water, drainage, fixtures, or other plumbing work. The approved scope—not the short category—defines what was authorized, and issuance alone does not prove completion.Philadelphia construction and repair permits ↗
- Permit · 2017-12-26Zoning/useThis permit category usually covers the property’s allowed use, dimensions, occupancy, or site configuration. The approved scope—not the short category—defines what was authorized, and issuance alone does not prove completion.Philadelphia construction and repair permits ↗
- Permit · 2017-12-26DemolitionThis permit category usually covers partial or complete removal work. The approved scope—not the short category—defines what was authorized, and issuance alone does not prove completion.Philadelphia construction and repair permits ↗
- Permit · 2018-01-16ZoningThis permit category usually covers the property’s allowed use, dimensions, occupancy, or site configuration. The approved scope—not the short category—defines what was authorized, and issuance alone does not prove completion.Philadelphia construction and repair permits ↗
- Permit · 2018-03-09Zoning/useThis permit category usually covers the property’s allowed use, dimensions, occupancy, or site configuration. The approved scope—not the short category—defines what was authorized, and issuance alone does not prove completion.Philadelphia construction and repair permits ↗
- Permit · 2018-05-07New ConstructionThis permit category usually covers construction, repair, alteration, addition, or occupancy work. The approved scope—not the short category—defines what was authorized, and issuance alone does not prove completion.Philadelphia construction and repair permits ↗
- Permit · 2018-08-31New ConstructionThis permit category usually covers construction, repair, alteration, addition, or occupancy work. The approved scope—not the short category—defines what was authorized, and issuance alone does not prove completion.Philadelphia construction and repair permits ↗
- Permit · 2018-11-06PlumbingThis permit category usually covers water, drainage, fixtures, or other plumbing work. The approved scope—not the short category—defines what was authorized, and issuance alone does not prove completion.Philadelphia construction and repair permits ↗
- Permit · 2018-11-13ElectricalThis permit category usually covers electrical installation, alteration, replacement, or repair. The approved scope—not the short category—defines what was authorized, and issuance alone does not prove completion.Philadelphia construction and repair permits ↗
- Permit · 2019-12-13New Construction or AdditionsThis permit category usually covers construction, repair, alteration, addition, or occupancy work. The approved scope—not the short category—defines what was authorized, and issuance alone does not prove completion.Philadelphia construction and repair permits ↗
- Permit · 2020-01-14New ConstructionThis permit category usually covers construction, repair, alteration, addition, or occupancy work. The approved scope—not the short category—defines what was authorized, and issuance alone does not prove completion.Philadelphia construction and repair permits ↗
- Permit · 2020-01-29New ConstructionThis permit category usually covers construction, repair, alteration, addition, or occupancy work. The approved scope—not the short category—defines what was authorized, and issuance alone does not prove completion.Philadelphia construction and repair permits ↗
- Permit · 2020-09-02New Construction or AdditionsThis permit category usually covers construction, repair, alteration, addition, or occupancy work. The approved scope—not the short category—defines what was authorized, and issuance alone does not prove completion.Philadelphia construction and repair permits ↗
- Permit · 2024-11-13New construction, addition, GFA changeThis permit category usually covers construction, repair, alteration, addition, or occupancy work. The approved scope—not the short category—defines what was authorized, and issuance alone does not prove completion.Philadelphia construction and repair permits ↗
- L&I violation · 2016-06-08EXTERIOR STRUCTURE WINDOWSA dated L&I enforcement row. Read the cited code, required correction, status, and later inspections together; the title alone does not establish the property’s current condition.How L&I violations and orders work ↗
- L&I violation · 2016-06-08CO DETECTOR NEEDED (Carbon-monoxide detector required)Carbon-monoxide detector requiredHow L&I violations and orders work ↗
- L&I violation · 2016-06-08SD-REQD EXIST GROUP R (Smoke detectors required in an existing residential occupancy)Smoke detectors required in an existing residential occupancyHow L&I violations and orders work ↗
- L&I violation · 2016-06-08INTERIOR SURFACESA dated L&I enforcement row. Read the cited code, required correction, status, and later inspections together; the title alone does not establish the property’s current condition.How L&I violations and orders work ↗
- Inspection · 2016-06-08HCEU INSP (Housing Code Enforcement Unit inspection)A legacy L&I inspection label. The unit inspected housing for property-maintenance, fire-prevention, and related code compliance; the separate status says how that visit ended.What Philadelphia inspections check ↗
- Inspection · 2016-07-19HCEU INSP (Housing Code Enforcement Unit inspection)A legacy L&I inspection label. The unit inspected housing for property-maintenance, fire-prevention, and related code compliance; the separate status says how that visit ended.What Philadelphia inspections check ↗
- Inspection · 2016-08-26HCEU INSP (Housing Code Enforcement Unit inspection)A legacy L&I inspection label. The unit inspected housing for property-maintenance, fire-prevention, and related code compliance; the separate status says how that visit ended.What Philadelphia inspections check ↗
- Inspection · 2016-09-12PRECOURT (likely: pre-court compliance inspection)A follow-up before or during enforcement escalation; confirm the case sequence in the City file.What Philadelphia inspections check ↗
- License · 2016-03-16GERALDINE AKERS: Rental landlord or residential registration initially issuedA City license record tied to an activity or property use. Its issue, expiration, inactive, and status fields—not the category alone—show what was recorded for this date.Philadelphia L&I licenses and property records ↗
- License · 2017-05-15GERALDINE AKERS: Rental landlord or residential registration marked inactiveA City license record tied to an activity or property use. Its issue, expiration, inactive, and status fields—not the category alone—show what was recorded for this date.Philadelphia L&I licenses and property records ↗
- Certification · 2024-08-06Sprinkler CertificationA filed inspection or certification for a regulated building system or component. Check the result, expiration date, and latest filing before treating it as current.What Philadelphia inspections check ↗
- Appeal · 2016-11-02RB_LIRBA challenge or request reviewed through a City appeals process. Filing an appeal does not show who prevailed; read the decision, conditions, and related permit or violation.How Philadelphia L&I appeals work ↗
Property assessmentBlock median & rangeZIP 19128 (Roxborough) medianAssessmentDeed / saleTeardownL&I violationAppealPermitInspectionLicenseCertification
Scroll horizontally to move through the years. Each icon sits on its recorded date; records without a day are labeled and centered within their year. Select one to explain the filing.
Highlight
Every dated record29 events · exact dates, newest first
- PermitNew construction, addition, GFA change
- CertificationSprinkler Certification
- Deed / saleDeed / sale $750K
- PermitNew Construction or Additions
- PermitNew Construction
- PermitNew Construction
- Deed / saleDeed / sale $635K
- PermitNew Construction or Additions
- PermitElectrical
- PermitPlumbing
- PermitNew Construction
- PermitNew Construction
- PermitZoning/use
- PermitZoning
- TeardownDemolished
- PermitZoning/use
- PermitDemolition
- PermitPlumbing
- LicenseGERALDINE AKERS: Rental landlord or residential registration marked inactive
- AppealRB_LIRB
- InspectionPRECOURT (likely: pre-court compliance inspection)
- InspectionHCEU INSP (Housing Code Enforcement Unit inspection)
- InspectionHCEU INSP (Housing Code Enforcement Unit inspection)
- L&I violationEXTERIOR STRUCTURE WINDOWS
- L&I violationCO DETECTOR NEEDED (Carbon-monoxide detector required)
- L&I violationSD-REQD EXIST GROUP R (Smoke detectors required in an existing residential occupancy)
- L&I violationINTERIOR SURFACES
- InspectionHCEU INSP (Housing Code Enforcement Unit inspection)
- LicenseGERALDINE AKERS: Rental landlord or residential registration initially issued
Flags: material assessment exemption; legal basis and term unverified · 1 zoning/board appeal on record. Informational only. Not investment advice or a consumer report (FCRA).
Verify the public record
Property tax
$1,801/year estimated property tax
2026 taxable assessment $128,680 × 1.3998%. This is an estimate, not a bill or account balance. The City maintains payments, credits, interest, and the current amount due.
OPA has published a 2027 assessment of $674,700. It is not the 2026 billed-year value.
Payments, credits, interest, and the current amount due are maintained by the City.
OPA 2112814142026 OPA taxes $128,680 of $643,400 assessed. The assessment fields alone do not identify a program, approval date, expiration, or buyer eligibility.
See the assessment math →Historical delinquency sources No current conclusion
This parcel did not match the June 2022 delinquency snapshot. That absence does not confirm the account is current today.
For a purchase, refinance, or closing, request the City’s official Property Payoff statement in Tax Center under “More options.”
The assessment exemption gap
OPA's 2026 roll shows a partial assessment exemption. The annual difference is measurable; the reason for it and what happens after a sale are not established here.
$128,680 taxable basis
Difference to verify+$7,205/year
$643,400 scenario basis
The assessment roll does not identify
- Legal basis or program
- Approval or expiration date
- Treatment after a sale
- Current Tax Center balance
Show the assessment math
2026: ($643,400 assessed − $514,720 exempt) × 1.3998% ≈ $1,801/year
Full-assessment scenario: $643,400 × 1.3998% ≈ $9,006/year
Do not treat the full-assessment scenario as inevitable or assume the current relief transfers. Obtain the approval history and verify the live Tax Center account before relying on either number.
The property, on paper
OPA physical field record.
Bedrooms
3
Bathrooms
2
Stories
3
Interior
2,160 sqft
livable area
Lot
1,445 sqft
Basement
Partial, finished
city code E
Heat
Forced hot air
city code A
Central air
Yes
Garage
1 space
Exterior condition
Newer construction
city code 1
Newer construction
Interior condition
Newer construction
city code 1
Newer construction
Zoning
RSA5
city zoning code
Zoning appeals
1
OPEN · MOOT · 2016
OPA field-assessment attributes. Condition and grade are the assessor's codes, not an inspection.
Block context
4100 block of Terrace St. Compare parcels, ownership, and public-record history.
See the whole block →Next door: 4162 Terrace St · 4166 Terrace St
L&I license dates · data through Jul 28, 2026
Business licenses at this address Latest pull
What L&I has registered at this OPA parcel, newest initial license date first.
No L&I business license is on record at this address in data through Jul 28, 2026.
Landlord and residential filings
These are property registrations or landlord filings, not businesses operating at this address.
GERALDINE AKERSInactive
Rental · Initial issue date Mar 16, 2016 · Terminal license date May 15, 2017
A license is an L&I registration, not proof that a business is open, operating today, or located at this storefront. Dates are license dates. Events are deduped by parcel, business identity, and license type, so a renewal is not shown as another opening. Other permit and filing types remain in the full source ledger.
Open every source row 28 dated rows
- PermitNew construction, addition, GFA change
Permit ZP-2024-010795 · Issued
FOR THE ERECTION OF A ONE (1) FLOOR ADDITION AND BALCONY TO THE REAR OF AN EXISTING ATTACHED THREE-STORY STRUCTURE. SIZE AND LOCATION AS SHOWN ON THE APPLICATION/PLAN.
- CertificationSprinkler Certification
Certification BC-2024-022574 · Certified
Expires 2025-08-06
- Recorded transfer$750K transfer
2024
- PermitNew Construction or Additions
Permit PP-2020-002423 · Completed
For Interior Plumbing to include [4]WATER CLOSETS, [4]LAVATORIES, [2]SHOWERS/TUBS, [1]LAUNDRY SINK, and [1]KITCHEN SINK as per 2018 Philadelphia Plumbing Code.
- PermitNew Construction
Permit 1045301 · Completed
INSTALL 200AMP SERVICE WITH 40CIRCUITS AND WIRE THROUGHOUT SFD TO INCLUDE RECEPTACLES,SWITCHES,LIGHTS,FIXTURES,INTERCONNECTED SMOKE DETECTOR,CO DETECTORS AND LOW VOLTAGE PHONES AND TV AS PER 2014 NEC (NORTH DISTRICT)
- PermitNew Construction
Permit 1041490 · Completed
INSTALL 1 GAS FURNACE 70,000 BTU 92% EFF WITH AC AND DUCTWORK IN BASEMENT, INSTALL HEAT PUMP WITH DUCTWORK 2ND FLR
- Recorded transfer$635K transfer
2020
- PermitNew Construction or Additions
Permit 1035017 · Completed
INSTALL HOUSE DRAIN,STACKWASTE AND WATER LINES TO 3-TOILETS,3-LAVS,2-TUBS,1-KITCHEN SINK,1-LAUNDRY WASHING MACHINE AND 1-WATER HEATER.THE INSTALLATION WILL COMPLY WITH THE PHILADELPHIA PLUMBING CODE 2004
- PermitElectrical
Permit 926790 · ABANDONED
INSTALL 200AMP SERVICE WIRE DWELLING TO INCLUDE RECEPTACLES SWITCHES FIXTURES INTERCONNECTED SMOKE DETECTOR AND LOW VOLTAGE PHONES TV AND DOOR BELL ALL WORK DONE AS PER NEC 2008
- PermitPlumbing
Permit 925021 · COMPLETED
1' WATER LINE C/T FAI MAIN DRAIN
- PermitNew Construction
Permit 889297 · Completed
FOR THE INSTALLATION OF A FIRE SUPPRESSION SYSTEM IN ACCORDANCE WITH NFPA 13R, WITH A TWO-INCH FIRE SERVICE LINE, AS PER APPROVED PLANS. ALL WORK SHALL BE PERFORMED BY A FIRE SUPPRESSION CONTRACTOR LICENSED BY THE CITY OF PHILADELPHIA. SEE A/P NO 889289 FOR PLANS.
- PermitNew Construction
Permit 869358 · Completed
CONSTRUCTION OF A FOUR STORY ATTACHED STRUCTURE WITH CELLAR, ROOF DECK WITH ACCESS PILOT HOUSE, AND ONE CAR INTERIOR GARAGE. USE AS SINGLE FAMILY HOUSEHOLD LIVING. SEE PLANS APPROVED UNDER PERMIT AP# 858125. DEPT OF PARKS AND RECREATION APPROVAL LETTER/PLANS FOR ANY REQUIRED STREET TREES SHALL BE PROVIDED TO DISTRICT INSPECTOR PRIOR TO ISSUANCE OF C/O.
- PermitZoning/use
Permit 856588 · COMPLETED
FOR THE ERECTION OF AN ATTACHED STRUCTURE WITH A ROOF DECK ABOVE ACCESSED BY A PILOT HOUSE FOR USE AS A SINGLE FAMILY DWELLING WITH INTERIOR ACCESSORY PARKING FOR ONE(1) VEHICLE.
- PermitZoning
Permit 844527 · COMPLETED
PROPOSED IS THE RELOCATION OF LOT LINES AND THE SUBDIVISION ON 3 EXISTING ADDRESSES INTO 5 SEPARATE ADDRESSES AND A 3 STORY SFD ON EACH OF THE 5 PROPOSED PARCELS. EACH PROPOSED SFD WILL HAE 3 STORIES ABOVE GRADE PLUS A CELLAR, GARAGE PARKING AT THE REAR CELLAR LEVEL, REAR EXTERIOR BALCONIES AT THE FIRST AND SECOND LEVELS, AND A ROOF TOP DECK ACCESSED BY A PILOT HOUSE THAT WILL BE LESS THAN 90 SQFT IN AREA AND LESS THAN 10 FT IN HEIGHT. THE PROPOSED BULDING AT PROPOSED PARCEL A WILL HAVE TWO GARAGE PARKING SPACES AND THE BUILDINGS AT PROPOSED PARCELS B THROUGH E WILL EACH HAVE ONE GARAGE PARKING SPACE. ALL GARAGE PARKING SPACES ARE AT THE REAR OF EACH PROPOSED BUILDING AND WILL BE ACCESSED BY A DRIVEWAY EASEMENT LOCATED AT ONE SIDE OF PROPOSED PARCEL A AND ALONG THE REAR OF ALL PROPOSED PARCELS. THE EXISTING BUILDING LOCATED ON 4162-64 TERRACE ST IS TO BE COMPLETELY DEMOLISHED- THE PROPOSED DEMOLITION IS PART OF A SEPARATE APPLICATION.
- PermitZoning/use
Permit 832720 · COMPLETED
FOR THE COMPLETE DEMOLITION OF AN EXISTING STRUCTURE FOR USE AS A VACANT LOT
- PermitDemolition
Permit 832721 · COMPLETED
FOR THE COMPLETE DEMOLITION OF AN EXISTING STRUCTURE. STRUCTURE TO BE DEMOLISHED BY MECHANICAL EQUIPMENT. PEDESTRIAN PROTECTION TO BE IN PLACE PRIOR TO START OF WORK AND TO BE MAINTAINED DURING ALL DEMOLITION ACTIVITIES. * A COVERED WALKWAY OR SIDEWALK CLOSURE SHALL BE REQUIRED WITHIN 13 FEET OF BUILDING FAÇADE IN ACCORDANCE WITH SECTION 3306 OF THE IBC. SEPARATE BUILDING AND/OR STREETS DEPARTMENT PERMITS ARE REQUIRED. * 21 DAY POSTING AND NOTICE REQUIRED PER A-303.2 **REFERENCE AP#832719 FOR DEMOLITION PLANS**
- PermitPlumbing
Permit 825973 · COMPLETED
SEAL LATERAL PA20172840786 REMOVE HOUSE TRAP AND HERMETICALLY SEALING THE LATERAL BY A CAP OR PLUG PER SECTION P-606.1 OF THE PHILADELPHIA PLUMBING CODE 2004 - "SELF-CERTIFICATION'S ARE NO LONGER PERMITTED" - "ALL EXCAVATIONS AND PLUMBING TRENCHES IN EXCESS OF 5 FEET IN DEPTH MUST HAVE APPROVED SHORING IN PLACE AT THE TIME OF INSPECTION"
- License terminal eventGERALDINE AKERS: Rental landlord or residential registration marked inactive
License 695048 · Inactive
License event. Registration does not prove present operation or storefront occupancy.
- AppealRB_LIRB
Appeal 28385 · OPEN · MOOT
Related permit 538059 · TENANT NEVER CONTACTED MANAGEMENT COMPANY REGARDING THE MAINTENANCE ISSUES AND IS IN BREACH OF HER LEASE.
- InvestigationPRECOURT (likely: pre-court compliance inspection)
Case 538059 · PASSED
A follow-up before or during enforcement escalation; confirm the case sequence in the City file. The cited inspection visit was marked passed.
- InvestigationHCEU INSP (Housing Code Enforcement Unit inspection)
Case 538059 · CLOSED
A legacy L&I inspection label. The unit inspected housing for property-maintenance, fire-prevention, and related code compliance; the separate status says how that visit ended. City marked the record closed; open the case for the closing reason.
- InvestigationHCEU INSP (Housing Code Enforcement Unit inspection)
Case 538059 · FAILED
A legacy L&I inspection label. The unit inspected housing for property-maintenance, fire-prevention, and related code compliance; the separate status says how that visit ended. The cited inspection visit was marked failed; later rows may show follow-up or resolution.
- ViolationEXTERIOR STRUCTURE WINDOWS
Case 538059 · Violation 4064537 · Code PM15-304.13 · COMPLIED
City marked this violation complied with; check the resolution date and live case for what was accepted.
- ViolationCO DETECTOR NEEDED (Carbon-monoxide detector required)
Case 538059 · Violation 4064536 · Code FC-908.7/1 · COMPLIED
City marked this violation complied with; check the resolution date and live case for what was accepted.
- ViolationSD-REQD EXIST GROUP R (Smoke detectors required in an existing residential occupancy)
Case 538059 · Violation 4064535 · Code FC-907.3/20 · COMPLIED
City marked this violation complied with; check the resolution date and live case for what was accepted.
- ViolationINTERIOR SURFACES
Case 538059 · Violation 4064538 · Code PM15-305.3 · COMPLIED
City marked this violation complied with; check the resolution date and live case for what was accepted.
- InvestigationHCEU INSP (Housing Code Enforcement Unit inspection)
Case 538059 · FAILED
A legacy L&I inspection label. The unit inspected housing for property-maintenance, fire-prevention, and related code compliance; the separate status says how that visit ended. The cited inspection visit was marked failed; later rows may show follow-up or resolution.
- License issue eventGERALDINE AKERS: Rental landlord or residential registration initially issued
License 695048 · Inactive
License event. Registration does not prove present operation or storefront occupancy.
Where this comes from
- Assessment, spec sheet & owner: OPA Property Assessments, Office of Property Assessment
- Sales & deed history: Realty Transfer Tax records, Recorder of Deeds
- Permits, violations & inspections: L&I Property History · Atlas
- Tax delinquency snapshot · June 2022: Real Estate Tax Delinquencies, Dept. of Revenue
- Historical tax ledger & liens · through 2016: Real Estate Tax Balances, Dept. of Revenue
- Current property-tax balance: Verify with Philadelphia Revenue
- Zoning appeals: L&I & Zoning Board appeals
- Neighborhood income & rents: US Census ACS 5-year estimates
- Historical mortgage rates: Freddie Mac Primary Mortgage Market Survey, annual averages
- Imagery: Street photo © Google · Aerial © Esri, Maxar
Methodology & freshness
This report was assembled Jul 29, 2026, 7:29 PM ET. Available City datasets are queried from OpenDataPhilly (phl.carto.com) and the cited City ArcGIS feeds; record queries paginate rather than silently taking a first page. For this property: Permits: queried · Violations: queried · Investigations: queried · Appeals: queried · Licenses: queried · Building certifications: queried. “Unavailable” means the source query failed or was not supplied, not “no record.” Reports re-pull on view after seven days and on an overnight rolling schedule; citywide benchmarks recompute weekly. Source dates still govern: the parcel-level tax-delinquency snapshot is June 2022 and the separate detailed tax ledger ends in 2016, so neither establishes today’s balance. The live balance and date-effective payoff must be verified in Tax Center. AI-written passages are grounded in the assembled record and rejected if they state a number the record does not hold.
Official city record ↗ · L&I history ↗ · See the whole block · Download this record (JSON)