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Shyness, also known as social anxiety, is a burden to your social life.

Children and adults alike face this problem no matter which economic status they belong to.

Though many self-help materials are available, sometimes it just does not seem to assist you much in alleviating your phobia. Some people complain that there are no results even if they follow some procedure step by step. This happens because of some reasons. But first, what is self help?

Self help is literally helping yourself without asking for anyone to assist you. Self help is used widely among psychological circles - the same process is applied in different situations.

Disdaining or disregarding self-help is not going to help conquer your fear or social phobia. This must always be the first step. Who else would help you first, but yourself? This is always the most effective of all help provided because in any manner you may start it just by yourself in everyday and common actions.

Just like starting up a conversation with simple greetings such as hi or hello everyday may lead you to longer and simple conversations that need not delve into serious matters. This will help you practice self confidence and boost your self esteem (particularly when you do more than small talk eventually). This may be a preparation for deeper topics for discussion and may automatically produce a positive outcome.

Going through self help, though, is not enough for everyone. It matters on how serious the phobia has become in the person. You may rely on self help because it is one step in defeating social anxiety, but having reinforcement from other people is not bad either. Seeking help is normal if your social anxiety gets out of control.

There are a few reasons why self help fails to help a person in a certain situation. One reason is too much anxiety may lead you to loss of words even with adequate preparation, or even if you are knowledgeable about a topic.

Another reason is, even if you are knowledgeable about the topic being discussed, you may feel it is unpleasant to discuss and you feel discomfort again.

An additional factor is giving up altogether. No matter how prepared you are for a discussion and how you apply what you know, yet somehow it may not seem to work out the way you expect. So, you start to feel like a failure and give up. Remember then that there is no failure in interacting with people. It just sometimes produces a different scenario from what you expect.

Lastly, you might even know all the details of a topic, yet you are not motivated enough to integrate them into the conversation. Keeping your knowledge to yourself will just make matters worse. Your courage must be developed little by little so start with even the slightest conversations.

There are people who may help you understand and conquer your phobia, such as a family member, a friend, a loved on or a professional. But start within your self to uncover the courage you need to make shyness help work for your own social anxiety.
Peter Murphy is a peak performance expert. He recently produced a very popular free report: 10 Simple Steps to Developing Communication Confidence. Apply now because it is available only at: conversation starters

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Although it is still five months away, Britons are being warned that failing to plan their spending over the Christmas period could impact upon their personal financial situation.

In research carried out by Britannia, just under half of the adult population (47 per cent) are said to not be saving money specifically for the festive season, despite predictions among the public that it will set them back by an average of 620 pounds.

The study also indicated that just over a third (37 per cent) of respondents plan to make use of some form of borrowing to cover the cost of the festivities, with some four per cent claiming that it will take them at least 11 months to clear off such debts. However, those households with children are predicted to face even further pressure on their finances at that time of year as they look towards an expenditure of 840 pounds over the period. Furthermore, some 36 per cent of parents claim to be not putting any money aside for Christmas. As a result the financial services firm suggested that consumers should start saving an average of 124 pounds per month from now to Christmas to help avoid starting the new year by owing money on personal loans and credit cards.

Neville Richardson, group chief executive for Britannia, said: “This survey shows that the majority of people are not planning for their Christmas expenditure, even though they have a good idea of how much it is likely to cost. However, it is still not too late to start saving for Christmas right now and those who do can really reap the benefits of being organised with their finances by adding pounds in interest to their own contributions.”

Those who only make the minimum repayments on their credit card spending over the festive period can take more than 16 years to complete making their repayments, the firm observes, as about 740 pounds alone is spent servicing interest accrued. However, Britannia suggested that the five per cent of respondents who plan on spending at least 2,000 pounds this Christmas could face increased struggle paying back money owed on loans and cards if they choose to fund their expenditure via borrowing.

Figures from the financial services provider also revealed that men spend more money than women during the festive season. While males account for an average expenditure of 710 pounds, the opposite sex was reported to shell out 537 pounds. However, females were indicated as being better savers as 11 per cent put money aside for Christmas, in comparison to seven per cent of men.

Last month, uSwitch warned that those consumers who choose to supplement their spending via credit cards instead of cheap personal loans and consequently only make minimum monthly payments could find themselves privy to a “debt sentence”. Mike Naylor, personal finance expert for the price comparison website, warned that with credit card providers currently setting the lowest-possible repayments at two per cent, borrowers could finish paying back money owed via secured loans before clearing off debts accrued on their cards if they continue to pay the minimum amount.
Abbi Rouse writes for All About Loans. Our visitors can apply online for bad credit secured loans. We also specialise in cheap loans, and debt consolidation loans.

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Ever had the feeling where you expected to achieve something so intensely and you actually achieved it? Or are you able to count the times when you expected and hoped that your dreams, aspirations, desires and goals will turn out the way you imagined and they actually did? Expectation is a powerful tool and it can and will go a long way in shaping your life and your future.

In order to constructively and effectively shape the best for your life, you must first and foremost expect the best from yourself. You have to insist, nay, demand that you give a hundred and one percent (or more) in everything that you do to produce the best and successful results. Think of ways on how you can expect to churn out the most practical, useful skills and knowledge from yourself. Then ask yourself how you can expect to apply the most effective efforts and actions to obtain your success. You must make it a point not to falter, default or slacken in your tasks and actions. Treat procrastination like a bad flu - you know you have to find ways to overcome procrastination or it will halt your success, just like how a bad flu will weaken your body if not cured. Always remember that when you can afford to give your best, do not think for a moment that you can give your worst.

In fact, the subject of love is a very relevant example to illustrate how expecting the best from yourself can effectively shape your life. When you expect a boy/girl to notice you and eventually fall for you, will you take the appropriate steps like looking good, approaching him/her, complimenting him/her, getting him/her romantic gifts, etc, or will you just look your worst, sit back, relax, do nothing and expect him/her to magically fall heads over heels in love with you?

You do not live in this world alone. So, to achieve even greater success, you must not just expect the best from yourself, rather, you must also expect the people around you to give their best. You must be able to influence them with your words, your thoughts, and your actions, leading by example that they may emulate you and assist you in producing quality work and achieving positive results for your life and theirs.

Your parents are probably the most suitable example to demonstrate the truth of what I had just mentioned above. There was probably a time when your parents expected you to eat your vegetables, not just a piece of broccoli, but all your vegetables. They might have told you why you should eat your vegetables - because they are good for you - and they led by example by doing what they expected their child to do. This would have probably instilled in you the importance of eating vegetables and you subsequently started eating vegetables. In some ways too, you have actually subconsciously assisted your parents in achieving their goal of getting you to eat your vegetables.

So the next time you embark on improving your life or obtaining a certain goal, tell yourself that you must expect nothing short of the best from yourself and the people around you so as to make that improvement or goal a reality.
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If you are looking for good basic dental insurance coverage, then you will find that there are many companies out there who offer excellent services at as reasonable a cost as you might expect (though it’s always worth shopping around!).

General cover will provide for regular oral examinations, which will ensure that your dental health is acceptable. You will often get any necessary x-rays as well, which will also make sure that nothing untoward is going on.

You see, some extended coverage dental plans cover orthodontic treatment and appliances for adults and children. Other plans would have provisions for these services while other plans would not cover any type of orthodontic treatment. These services are usually very expensive so this could make a substantial difference in the value of the plan.

What Basic Dental Insurance Coverage Gets For You

Whilst basic services will almost always include those periodic and regular oral examinations, to determine the dental health of the individual, these examinations usually include x-rays to find any problems of a more complex nature.

On top of this a basic dental plan will allow for typical tooth filling and any extractions that might be necessary, though extended services will only be covered to the extent that they show up in the policy.

So, the standard dental insurance coverage usually covers the necessary and basic services from a qualified dentist.

For many this will be a perfect solution, particularly where they have a history of minimal requirements from their dentist. Sadly, not all of us are so lucky and special services extend these basic policies, usually on a sliding scale

Extended Dental Insurance Coverage Makes The Difference

And also, there are other dental plans that pay for the cost of dentures while other plans do not cover any of the services related to dentures. There are many dental plans available, but all of the plans offer different coverage.

It’s important to realize though, that premiums will rise significantly if you want more eventualities covered. When you’re in the market for dental insurance coverage, the financial companies offering cover are in it for profit and not to act charitably.

There is another option that you might want to consider. There are dental plans that don’t cover everything, but perhaps just the basic requirements are inclusive. Then, on a sliding scale, they will pay a percentage of costs towards more expensive treatments.

The beauty of this sort of policy is that you pay for what you get and only pay extra when you need to, and less than the actual costs at that.

In terms of dental insurance coverage, this seems like an ideal arrangement. Where costs are kept low throughout the cover and when you gave a bigger cost, the shock can be minimized by a proportion being covered.
((c) 2007 Dental Insurance Guidance. If you want to find the right cover for your dental treatment, there are lots of great value options. You can find out how, right here, on Martin Haworth’s fascinating website at http://www.DentalInsuranceGuidance.com

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Positive Thinking : is a mental attitude. In this we have pleasant feelings, constructive thoughts and images of our visualization, which we really want to happen. It brings brightness the to eyes and more energy in the body and happiness as the end result. It has a beneficial effect on health. Positive thinking also reflects in the body language, how we feel, the way we walk erect and the way we talk which is powerful and confident. Positive thinking is contagious i.e, our thinking affects what happens in the subconscious level by the transference of our thoughts and feelings.

Positive thinking also helps in connecting readily with other people. They are ever ready to help and be friendly if we are positive but dislike and avoid if we are negative. It has many benefits and advantages in life. Firstly, positive thinking brings inner peace. The power of thought is a big weapon, which shapes our life that is often done subconsciously. But we can achieve it consciously too. Secondly, it helps us to set and realize our goals and achieve success in life. Finally, and most importantly it brings overall happiness in life. To be positive in life one should work very hard. We should always entertain positive thoughts, ideas, beliefs, and faith. In other words, we should be perseverant, persistent and determined in our thought process. Always we should try to use affirmations and positive words to improve our thinking. To be positive or not is in one’s own hands. Hence, positive thinking is worth developing and strengthening and should be made into a predominant mental attitude.

Subconscious Mind : is that state of mind where one is not totally aware of the mental activities of the mind. Often we tend to act in a particular way without our knowledge because of this subconscious mind. Most of our behavior is governed by this subconscious mind. To achieve positive thinking in life subconscious mind plays an important role. The thought process in the subconscious mind should also be positive to achieve positive thoughts in the conscious state. In other words, one should always allow only positive words, ideas, and thoughts etc. to enter the subconscious state consciously.

This can be achieved by using affirmations like “I can do this”, “I will do this”, “I will be happy” etc. Though this is easier said than done because most of the time we revert back to self-doubt, fear of failure, pain, grief etc. Nonetheless one should strongly and firmly believe in oneself to achieve positive thoughts in subconscious mind.

Law Of Attraction : is the magnetic power of the Universe to pull or attract similar energies together. It manifests in numerous ways. The law of gravity of the earth is one of the examples. This law also manifests in human beings in their thoughts, ideas, situations, circumstances etc. The way Law of attraction acts regarding human beings is that it attracts people with similar ideas, views, thoughts, perceptions, perspectives etc.

In forming a group or a team or a political party with an ideology etc. This law can help enormously in one’s own life. One can use the Law of attraction to bring success in one’s life by visualizing the positive images and affirmations that one had been practicing in their subconscious mind. This should be done with a strong desire, interest, feeling and faith in oneself and in the law. Then this manifests as Positive thinking.

Goal Setting : Every one of us need or have some goals in life. The process of setting goals in one’s life is called goal setting. Setting goals is an art and it is also a necessity. For goal setting clarity, competence and concentration are the 3 key elements to be followed or to be kept in mind. The following points are to be adhered. They are:

a. one should state the goal in a positive way.
b. Goals should be realistic and should be able to be achieved easily.
c. Goals should be set by one’s own self.
d. They should be clear and specific in nature i.e., the goal setter should be able to visualize the end result.
e. Goal setting should be such that it does not hinder or hamper other activities of the life system.
f. Last but not the least coal setting needs sacrifices to be done.

Finally cositive thinking can be achieved by inducing positive thoughts in the subconscious mind, following the law of attraction and realistic Goal setting.
Stephen C Campbell (Master NLP Practitioner) has published more information on using the Subconscious as a Goal Setting tool at http://www.rightandwrongthinking.com/

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When I logged into my messenger today one of my friends had send me a quote which read, “You never win the silver, you always loose the gold”

When I read this I was wondering what an attitude this quote just simplified. I could not just brush it off my mind as I started to contemplate on it. Generally people loose hope or confidence when they fail to meet a target. This quote can be simplified anyway way the reader wants to either positively or negatively. Taking it positively will only make the reader more aggressive in his next attempt as he will develop perseverance and more self confidence which will definitely drive him to win the gold. Negative thinkers will only fret and fume and use this quote to further cry over the spoiled milk.

How can we develop perseverance? Before discussing the ways and means to develop perseverance let us first know what perseverance really means. The great self help author Dale Carnegie in one of his books defines perseverance as something through which we can ‘develop success from failures’; he further says that failure and discouragement are the surest ways to success.

‘Victory belongs to the most persevering’ was what Napoleon Bonaparte felt and we all know about his courageous endeavors to win over the whole world. From time and again our teachers and parents never failed to develop our perseverance by quoting, ‘aim for the sky and you will at least reach the tree top’. There are many eminent personalities and successful people who had attained great heights in life because of their perseverance.

We all know the famous scientist Albert Einstein but how many know that he had learning disabilities. He hated going to school and was a drop out in his earlier age. But due to his determination he developed perseverance and became a great scientist who was known world wide. Many differently able people too like Beethoven, Helen Keller, Franklin D. Roosevelt, Woodrow Wilson etc developed perseverance and become successful in their respective fields.

Now let us come back to how to develop perseverance in our daily life? Everyday many incidents take place out of which some are inspirational and others are discouraging and detrimental to our mental disposition. How to deal with such situations and develop a strong character wherein we can develop perseverance in our lives? First of all attitude is everything in our lives, the right attitude will lead us in the right path and the negative attitude will definitely pull us down.

Surest ways to develop perseverance is collect and read inspiration stories about successful people whose determination and hard worked lead them to success. Always placing inspirational and motivating quotes around the work area or where it just visible constantly to catch your attention. You can attend self help seminars or get involved with social workers or groups who will increase and develop perseverance in your life. Always do not postpone things and be determined to always finish everything that you start as commitment and hard work can be the key to your success.

Building a strong character based on human values is also very imperative as this will instill patience and endurance. Do not be judgmental and always be calm and never complain. Perseverance is nothing but never giving up. Try again and again until you get the desired changes. Let not failures discourage you and do not allow success to get on your head. Live a balanced life and always remember the words of Charley Taylor, ‘work hard and give it your best shot; never be a quitter’.

Only cowards will blame others and the circumstances for their failures in life. Brave people usually learn from their failures and develop perseverance and determination to work much harder and never give up until they succeed. Growing from experiences in real life is a great tutor much greater than any university degree. Successful people never look back at what they lost but move forward with what they have.

Don’t fret and fume at what you do not have, make use of the resources in hand to come up in life. Many people will just wait for an opportunity to knock their doors but that never happens, you have to go hunting for better opportunities that life is abundant with. Miracles never happen on their own until we are aware of their presence and pull them down.
Stephen C Campbell (Master NLP Practitioner) has published more information on using Perseverance as a Goal Setting tool at http://www.perseverancehowtodevelopit.com

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The common hard workingman should have a place that he can go and get the cutting edge reasearch that he needs to make his life a success. Big business professionals learned many years ago that to make their businesses successful they must put dollars into research and development of their products and services.

The biggest and best businesses have horned in on having Research and development of their products and services that produce a winning edge for their company. They spend millions, even billions on researching and developing the best of the best in their given market. Companies like Coka Cola, IBM, Microsoft, AOL, and the like know what it takes to be on top, research and development.

Now smart men and women all over the nation are realizing that not only is this good for big business, they need to take advantage of this important means of bettering ones own personal success. Because most people don’t have the time to do the years of research that it takes to find out what is the best of the best for any given area of their life they are turning to, professional sources of information in their given field of interest for personal growth and improvement.

So, what are some of the various benefits people like you can receive from belonging to a good one of these specialty membership sites:

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Along with other sources DesktopRevealer is a top source for the above information and your center for all the major important areas of life. A place where you know your can go the get time honored research into the major areas of your life, areas that are of great importance to your personal success and happiness. For phenomenal success in the shortest period of time in the area of “money matters,” “debt relief,” “health and wealth,” “business,” “self improvement,” and “pain relief,” “home business,” “law research” and “spiritual matters” DesktopRevealer is there for you.

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There are drugs available in the market that offer a shyness cure or social anxiety, or social phobia relief. But some experts do not offer medication but a systematic way of dealing with things with much more courage and positive thinking than you normally have. Shyness is not a disease that requires a drug or a pill to cure it. It is not even a character defect that must be defect that needs some repairing. Trying to cope with shyness will need positive thinking.

Some people say that shy people should immediately mingle with groups of people to overcome their fear of social anxiety. This means exposing yourself in situations that you have feared your whole life. Doing this might produce complications in your psychological fear.

Social anxiety can be a big hindrance and leads to discomfort in children, or even in adults.

Treating social phobia must be gradual or rely on Systematic Desensitization. This means being exposed to your fear, little by little, and conquering it step by step. This system involves the discovery of your fear, and breaking that fear by doing activities one step at a time. This will gradually move you to an easier step, and later to the most difficult.

Listing down situations which cause your shyness or social anxiety is the first step in applying Systematic Desensitization. This list must be arranged from the less difficult on to the most difficult. In that way, you may be able to triumph over your fear little by little. It will give you a better chance of moving towards a solution to your deeper social anxiety. A simple list or an outline may give you a bigger help to progress on social anxiety.

Give yourself a couple of weeks to deal with each situation in your list. Make a deliberate point everyday of getting into a situation in which you may practice a skill in your list. Trying to practice a particular skill that you have little by little everyday in a couple of weeks - this may lead you to the next step on your list and so on.

Though this technique does not work perfectly every time, since life does not place everyone in the same situation and experiences, this technique might still help you out some other time.

Here is another tip: no matter if a situation might seem difficult and more challenging, try to increase the time you have been spending in that particular situation. Increasing the difficulty means requiring more effort for you to overcome social anxiety. Try to challenge yourself and be braver. This may allow you to achieve a very smooth Systematic Desensitization.

Another shyness cure: try practicing your communication skill with your everyday store clerks who are always ready to put up a good conversation. This will help you out in almost any daily activity like buying candy, a magazine, or anything you might pick up. Making conversation does not necessarily mean it has to be a long one. You can always end up having a conversation whenever you like.

Another advantage is, you do not have to see these people again immediately, and there is no reason for you to be upset if you have said anything might be dull. Just do not try this out if there is a long line of other shoppers waiting behind you.
Peter Murphy is a peak performance expert. He recently produced a very popular free report: 10 Simple Steps to Developing Communication Confidence. Apply now because it is available only at: conversation starters

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Having had to declare yourself as bankrupt cannot be a pleasant experience. In fact it is one of the most terrible phases of life one can go through. But the only good thing about it is that after you are through the period of bankruptcy you start with a clean slate. The only thing you need to carry forward from your earlier days are the hard lessons that you learnt about managing your resources and learning to value what you have. Remembering those lessons will stand you in good stead in the future.

The first two or three years after bankruptcy are the most difficult and this is the period when you will have to fight it out. But you can start rebuilding yourself from this time only. For you to earn good credits quickly you have to cultivate healthy financial habits as early as possible. Here are a few steps you can take towards that.

Create a savings account if you already don’t have one and make regular deposits to that account. You should deposit a fixed some every month. This shows that you are keen on saving for any emergency in the future.

Stay away from any further debts. Don’t loan anything from anyone. If that means a much tougher life than what you are used to, then so be it.

Pay all your bills on time. This will show that you have learnt from your mistakes and you are not going to repeat the same in future. If there are late payments from your end, they might get reported to the credit bureau, something you will definitely not want to happen.

If you retain your credit card even after bankruptcy, then only make small purchases using it once in a while and pay back your dues immediately. This also shows that you have now learnt how to handle your credit card.

Apply for a secure credit card with your bank. These cards require you to deposit an amount with the bank and the bank will allow you credit only up to the amount that you have deposited with the bank. This is the best way to use the advantages of the credit card without spending more than you can afford.

All these steps will be assessed while evaluating your credit worthiness and if you follow them closely there is no reason why you wouldn’t be considered for credit in the near future.
Find more Credit Repair and Credit Advice info online. For Credit Advice related articles: http://www.credit-repair-fyi.info

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You are totally exclusive, privileged, and most excellent. Yes, I can call you that, even though I do not know you personally and despite the fact that you may not see yourself that way.

How you feel at any given time has nothing to do with how God sees you, and what He has to say about you. He said that you are peculiar; set apart from all the rest.

Are you saved? Then you’ve been called out of this world by Jesus Christ and set apart by Him and for Him. Together we are precious, living stones built up into a spiritual house; a royal priesthood chosen to offer up spiritual sacrifices unto God. (1 Pet. 2: 4-6)

That means that you no longer are to be influenced by all the ’secrets’ of this world. Do not be conformed to this world, but instead realize that you’re being transformed. Your spirit has been ignited by the Spirit of God. Now you need to tell your soul, which includes your mind, your feelings and worldly desires, to be renewed as well. (Rom. 12: 2)

Esther was the king’s choice to be his queen. Yet, even king’s wife was not allowed to come into his presence without being summoned at the punishment of death. When a decree went out that all the Jewish people, including herself, would be killed, it became evident to Esther that God had chosen her to be queen at this appointed time. If she had not been queen, she would not have heard the news firsthand and been in a position to do something about the problem.

She and all the Jewish people in the city prayed and fasted for three days. Then she went against all protocol to ask the most powerful king in all the earth a favor. Esther was willing to put her own life on the line in order to save her people from total annihilation off the face of the whole earth.

Now consider this: Esther had been chosen to sit at the king’s right hand as queen. Under threat of death, she went boldly into his throne room. The king, happy to see her, extended his scepter, the symbol of all his power, and she touched it. She then was able to ask her petition, which was granted to her.

And this: You were chosen to sit at the King’s right hand. You have favor with the King and, because of Jesus’ sacrifice on the cross you do not have to fear instant death in His presence. NO! You can come boldly unto the throne of grace to obtain mercy and grace in time of need. (Heb. 4: 14 - 16).

On top of that, you have also been proffered the scepter of all of God’s Power! Did you touch it? Did you accept it? Do not take lightly the awesome power in the Name of Jesus! It’s yours to use! It is the Power of His resurrection (Phil. 3: 10). It is the Name that is above all names, to which every knee must bow, whether in heaven, on earth and under the earth! (Phil. 2: 9 - 10) It’s not enough that He freely gave you His power. You must realize that it is yours, accept it, and use it for His glory!

You have been chosen at this time in history in this precise place to do His work. Do not look to the right or to the left, trying to find answers in world philosophies or religions. Neither allow yourself to be deceived by those who say that you can meditate a certain way and be guaranteed to receive riches, even by substituting your ‘god.’ Satan is out to deceive, especially those who are saved. (Phil. 2:

Jesus contains the fullness of the triune God. And you are complete in Him, who is above all principality and power. (Phil. 2: 9 - 10) He is your Wisdom and your Power to overcome all things, and it is His good pleasure to show you the mystery of His will. (Eph. 1: 8 - 9)
Ann Stewart, author, inspirational writer and wellness coach, shares tips on how to fight off disease and feel your best in her weekly newsletter, Youth Makeover: Youth Makeover Who is she? Find out at: As the Eagle. You’re welcome to subscribe to her free weekly inspirational newsletter: Life Altering Words

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