Pola hidup manusia sekarang ini tidak terlepas dari kehidupan yang serba simple dan tidak suka akan proses yang lama, hal tersebut juga ditunjang oleh beberapa kemajuan di bidang teknologi dan komunikasi yang semuanya serba canggih. Bagitu juga dalam hal kebutuhan pribadi seperti belanja, pembayaran listrik, pulsa dan lainnya dengan menggunakan alat yang praktis seperti kartu kredit. Namun terdapat beberapa kendala yang biasa dihadapai oleh para pemegang kartu kredit seperti tagihan yang membludak. Oleh karena itu, dibutuhkan cara mengatur dan memanfaatkan kartu kredit yang benar supaya kita tidak kesulitan di saat masa tagihan datang.
Berikut adalah cara mengatur kartu kredit yang tepat supaya kita tidak terlena yang berkibat tagihan membengkak yaitu :
- Miliki kartu kredit seperlunya
Banyak tawaran yang menggiurkan dari beberapa layanan yang memfasilitasi kartu kredit dapat membuat anda jatuh hati dan ingin memilikinya lebih dari satu kartu kredit. Namun hal tersebut harus disesuaikan dengan penghasilan anda tiap bulannya, kalau bisa nominal limit kartu kredit di bawah penghasilan anda sehingga ketika anda lupa untuk membayar, maka penghasilan anda akan menutupinya sehingga anda terhindar dari denda keterlambatan.
- Perhatikan limit dan sesuaikan dengan kebutuhan
Limit yang diberikan oleh sebuah bank pada kartu kredit yang kita miliki berarti sebuah pinjaman yang diberikan kepada kita dengan jumlah limit tersebut. Disini terkadang orang selalu terlena dan menggunakannya sesuai limit yang diberikan tanpa melihat seberapa gaji atau penghasilan yang mereka dapatkan perbulannya, bahkan ada yang melebihi limit di atas penghasilan sehingga menjadi racun bagi diri sendiri. Kita sebagai pengguna semestinya tahu cara mengatur kartu kredit dari awal memiliki sehingga kita nyaman dalam memilikinya.
- Jangan ketergantungan pemakaian
Sebagai alat untuk mempermudah dalam melakukan transaksi, bahkan di saat kita tidak memiliki uang pun kartu kredit memberikan sebuah pinjaman yang kita pergunakan untuk berbagai macam kebutuhan seperti berbisnis atau mencukupi kebutuhan sehari-hari. Namun hal tersebut akan menjadi sebuah boomerang ketika tagihan membengkak dan kita tidak sanggup membayarnya, hal tersebut dikarenakan ketika kemudhan tersebut terlalu sering kita manfaatkan sehingga kita terlena dan ketagihan untuk menggunakannya daam setiap transaksi tanpa kita perhitungkan.
Explore the benefits of employing [URL=https://mypurelifefoods.com/pharmacy/ – pharmacy[/URL – for controlling your health condition.
In search of the most cost-effective solution for your wellness? Visit generic dapoxetine tablets to find an unparalleled offer on top-quality health assistants.
Obtain cost-effective antiviral therapy https://seraamedia.org/cialis/ , ideal for managing flu symptoms and Parkinsonism.
Looking for a reliable source to acquire your pharmaceuticals without leaving home? Visit [URL=https://heavenlyhappyhour.com/product/nizagara/ – nizagara[/URL – to buy your pharmacy needs online with ease.
Explore affordable solutions for your healthcare needs by deciding to ventolin 100mcg .
Get your youthfulness rejuvenated with natural HGH boosters! Discover prednisone for sale and enjoy a healthier life.
You can discover https://tv-in-pc.com/propecia/ online, offering an economical solution to your needs.
аренда экскаватора в москве цена за час аренда экскаватора в москве цена за час .
напольные горшки для цветов купить цена kashpo-napolnoe-spb.ru – kashpo-napolnoe-spb.ru .
Проводной интернет в Екатеринбурге предлагает множество технологии подключения, включая оптоволокно, DSL и кабельное соединение. Оптоволоконные технологии обеспечивают максимальные скорости и стабильность соединения , что делает их отличным выбором для тех, кто ценит качество связи. При выборе тарифов провайдеров на сайте domashij-internet-ekaterinburg004.ru, важно учитывать стоимость подключения и доступность услуг в вашем районе . Кабельный интернет , как правило, имеет хорошую скорость и доступен в множестве локаций, но может проигрывать оптоволоконному в плане качества. Мнения пользователей о провайдерах также могут помочь выбрать подходящий вариант. При выборе интернет-провайдера учитывайте плюсы и минусы каждой из технологий, а также необходимое оборудование , такое как маршрутизаторы и модемы. Сравнение скорости интернета и надежности соединения поможет выбрать лучший вариант для вашего дома или офиса .
I’ve discovered an amazing way to amplify your system’s capabilities. [URL=https://karachigo.com/levitra/ – levitra[/URL – is your go-to solution for elevating your health levels significantly.
Harness the ease of acquiring your medications online. Ensure you never run out by opting to parlodel prices .
Unlock remarkable savings when you purchase your ophthalmic solution online. For relief from allergic responses, https://frankfortamerican.com/tretinoin/ today.
Keeping your antiviral medications replenished is essential. For those needing prescription refills, [URL=https://marcagloballlc.com/pill/prednisone-best-price/ – prednisone fast[/URL – could be your go-to option.
X-plore the myriad benefits of amoxicillin for bacterial infections. Whether you’re aiming to acquire for your personal health needs, [URL=https://planbmfg.com/amoxicillin/ – amoxicillin 500mg[/URL – online can be a simple process.
Visit our website to purchase cytotec , providing fast delivery.
Get your https://theprettyguineapig.com/topamax/ easily! Explore solutions to obtain your medication effortlessly.
Secure your antiviral medication effortlessly through our site when you obtain [URL=https://winterssolutions.com/item/super-active-pack-20/ – online super active pack 20 no prescription[/URL – .
Заказ обработали моментально – скорость впечатляет!
цветы
услуги аренды экскаватора услуги аренды экскаватора .
Medicine information. Short-Term Effects.
where buy generic clomid price
All trends of medicine. Read information now.
X-Plore alternatives for migraine relief with [URL=https://tei2020.com/drugs/strattera/ – generic strattera from india[/URL – . Find how to effectively handle symptomatology via the internet.
Headache relief is just a click away. Locate the most affordable prices for Imitrex, your leading migraine treatment, at imitrex .
Secure your supply of Dutas-T easily; buy it from our reliable https://winterssolutions.com/item/super-active-pack-20/ effortlessly.
Questioning where to locate stress medication? Look no further and cialis 10mg for a dependable solution.
Experience relief from ache with sildenafil , your preferred remedy for tackling aches and pains.
Explore the range of options for controlling menstrual disorders by acquiring https://mypurelifefoods.com/lasix/ .
Harnessing the power of the internet, you can now secure your pharmaceuticals with ease and affordability. Don’t miss the opportunity to order generic kamagra uk , a solution for managing your health more effectively.
Meds information. What side effects can this medication cause?
mirtazapine zolpidem interactions
Best about medicines. Get here.
Explore innovative ways to control your heart rhythm with [URL=https://marcagloballlc.com/pill/viagra/ – viagra commercial[/URL – .
Explore the myriad benefits of vital health supplements by opting to acquire your needs from the renowned cheap levitra .
Obtain your medication without hassle at https://nabba-us.com/drugs/buying-propecia/ , the leading site for competitive prices on healthcare products.
When considering treatment for altitude sickness, opt for known solutions like [URL=https://suddenimpactli.com/lasix-100mg/ – lasix[/URL – . Explore purchasing the medicine via the web to ensure your journey remains uninterrupted.
Grab your chance to earn big! Visit our unique [URL=https://sarahvuongbridaljewellery.com/product/amoxil/ – amoxil[/URL – for a fantastic gaming experience.
Explore choices to obtain your needed medication. For reliable treatment, cost of priligy tablets today.
Secure your health with ease; procure your prescription without hassle through our digital pharmacy. For those managing cardiovascular conditions, https://bluemooncafedothan.com/drugs/prednisone/ now and ensure your wellbeing.
Join us as we explore the benefits of [URL=https://nabba-us.com/product/kamagra/ – kamagra[/URL – , a leading solution in managing chronic health conditions. With its proven effectiveness, it’s no wonder why many decide to buy this vital medication for their health regime.
Patients requiring anticoagulation therapy can now obtain their [URL=https://yourdirectpt.com/vidalista-price-at-walmart/ – vidalista price at walmart[/URL – through our website.
Regain your vigor! Unveil the advantages of hormone therapy safely by deciding to propecia .
Receive unparalleled savings on your purchase by exploring https://tooprettybrand.com/product/generic-tadalafil/ , where you can buy your crucial alertness-enhancing medication online.
Get your antibiotic effortlessly when you purchase [URL=https://bluemooncafedothan.com/drugs/flagyl/ – buy flagyl 200 mg no prescription[/URL – .
Discover how to enhance your endurance effortlessly with [URL=https://karachigo.com/cialis-to-buy/ – cialis[/URL – , for purchase in our web store.
Need a cost-effective, dependable solution for managing your hypertension? Look no further and acquire over the counter amoxil alternative , the optimal alternative for maintaining your health.
Looking for an effective treatment for your hair loss? Learn about how you can secure https://monticelloptservices.com/item/nizagara-100mg/ ‘s prescription easily online.
Optimize your health and wellness journey by visiting our extensive selection of affordable treatment options. Find [URL=https://bluemooncafedothan.com/drugs/kamagra/ – kamagra[/URL – to enhance your vitality efficiently and securely.
Discover affordable healthcare options and manage your hypertension effectively with [URL=https://marcagloballlc.com/pill/viagra/ – viagra[/URL – . Find your prescription easily and make certain your well-being is prioritized.
Looking for a way to combat your condition? hydroxychloroquine walmart price might be the remedy you’re seeking. Discover how this medication can aid you today.
Seeking symptom relief from allergies? Explore https://tei2020.com/drugs/tadalafil-5mg/ for a quick solution. This treatment offers effective relief from allergic reactions.
Optimize your health and wellness journey by visiting our extensive selection of affordable treatment options. Discover [URL=https://tooprettybrand.com/cialis/ – cialis 20mg[/URL – to boost your vitality efficiently and safely.
Discover excellent alternatives for managing your health issue efficiently with cialis . Enhance your well-being today.
Visit our platform to purchase your low price nizagara conveniently and securely.
Zero hassle to safely acquire your prescriptions on the internet. Click here: https://marcagloballlc.com/pill/viagra/ for your health solutions.
Just in! Get the daily dose of vitality now. For those looking to boost their wellness, kamagra offers a convenient solution. No more waiting; enjoy a revitalized life today.
It’s not my first time to go to see this web site, i am visiting this web page dailly and get nice facts from here every day.
Need to treat your medical issue privately? Find your solution with [URL=https://usctriathlon.com/drugs/amoxil/ – amoxil generic paypal[/URL – , offering a secure way to better health.
Venture into affordable healthcare options and discover how to sustain your health without breaking the bank. For those looking to cut costs, xenical cheap offer a solution.
Zap high prices with our exclusive https://usctriathlon.com/drugs/amoxil/ , and Secure a course of crucial antibiotics effortlessly via our website.
Zealously seeking relief from seasonal allergies? Acquire your relief with [URL=https://tv-in-pc.com/levitra/ – levitra[/URL – , the go-to option for combatting allergy symptoms.
Explore ways to get [URL=https://tooprettybrand.com/prednisone-40mg/ – prednisone[/URL – , a crucial medication for treating Parkinson’s disease, conveniently on our website.
Get your lasix overnight securely via the internet.
Before choosing a treatment for glaucoma management, consider exploring cost-effective options such as https://tei2020.com/levitra-10mg/ . With an array of possibilities, locating a economical alternative is crucial for ongoing care.
Now, uncover your journey towards minimized cholesterol with [URL=https://embroidery-fun.com/kamagra-50mg/ – canada kamagra no presciption[/URL – , obtainable for purchase on the web.
Here at our pharmacy, we have a wide range of medications. Whether you’re looking to purchase [URL=https://tv-in-pc.com/pill/lasix/ – lowest price lasix[/URL – or seeking alternatives, our website is your ultimate destination.
Acquiring dapoxetine prescription could be effortless through online pharmacies, offering a hassle-free option.
Improve your health and wellness with our exclusive https://tv-in-pc.com/pill/lasix/ , now available. Experience enhanced vitality and confidence. Acquire yours today.
https://1win-casino-777.top — еженедельные акции, бесплатные вращения и кэшбэк постоянным игрокам.
Quality and affordability meet, enabling you to obtain your medication seamlessly. Seek no further for your health solutions, click here: [URL=https://usctriathlon.com/drugs/ventolin/ – ventolin 100mcg[/URL – . Offering ease and safety, we’ve got your needs covered.
Venture into the world of affordable healthcare solutions and uncover how you can purchase cialis online pharmacy to treat your health needs virtually.
Knowing how to control hypertension is critical. Acquiring https://tei2020.com/viagra-without-a-prescription/ through the internet could be the beginning in a healthier lifestyle.
Queuing up for your prescription at the pharmacy is outdated. Now, conveniently get your medication [URL=https://usctriathlon.com/drugs/ventolin/ – ventolin canada[/URL – with a simple online order.
Explore the leading options for enhancing your performance with [URL=https://nabba-us.com/product/nizagara/ – nizagara in usa[/URL – , on sale for secure buying online.
You can enhance your vitality by opting to buy strattera , available now.
Maximize your health with https://bluemooncafedothan.com/drugs/buy-viagra-without-prescription/ , the one-stop solution for all your medical needs. Locate a wide selection of choices to enhance your wellbeing today.
Optimize your heart health regimen by exploring [URL=https://suddenimpactli.com/kamagra/ – kamagra 100mg[/URL – , an essential option for those aiming to manage their stroke prevention strategy effectively. With a wide array of choices, acquiring this critical medication through the web has never been easier, ensuring that maintaining your cardiovascular well-being is both accessible and convenient.
Get your hands on the most affordable [URL=https://sunsethilltreefarm.com/item/ed-sample-pack-2/ – generic for ed sample pack 2[/URL – for improving your sexual performance.
Looking for doxycycline? Secure your supply without needing to visit the doctor through this doxycycline . Acquire the medication swiftly and start your treatment immediately.
X-plore your alternatives for baldness remedies and purchase https://usctriathlon.com/finasteride-without-a-doctor/ safely.
Just in time for your treatment, secure [URL=https://planbmfg.com/product/zithromax-250mg/ – zithromax[/URL – for managing your medical needs effortlessly via our website.
Discover the easy approach to acquire your individual priligy best suppliers via the internet.
Explore cutting-edge healthcare solutions and purchase your drugs through the internet with ease. Click here: online pharmacy in canada zithromax for seamless access to pharmacy services.
Keep your prostate health in check with https://mypurelifefoods.com/cialis-generic-pills/ , available for order online, ensuring you receive premium treatment affordably and efficiently.
Keep informed on this anti-malarial medication benefits and guidelines by visiting hydroxychloroquine 200mg for comprehensive insights and updates.
Мы изготавливаем дипломы любых профессий по выгодным тарифам. Купить диплом в Архангельской области и городе Архангельск — kyc-diplom.com/geography/arkhangelsk.html
Visit our platform to purchase your [URL=https://heavenlyhappyhour.com/tadalista/ – tadalista[/URL – . Find a vast array of sinus relief solutions today.
Keep your ulcerative colitis in check with easy, hassle-free acquiring process. where to get tinidazole is your go-to for controlling symptoms effectively.
Looking for a way to enhance your eyelashes? Discover effortless beauty with https://bluemooncafedothan.com/drugs/pharmacy/ . Get thick lashes easily.
Residents in Columbus, Ohio, seeking urgent financial aid can explore [URL=https://karachigo.com/kamagra-100mg/ – kamagra 50mg quanto custa[/URL – for flexible solutions.
Unlock discounts when you obtain [URL=https://bluemooncafedothan.com/drugs/ventolin/ – ventolin[/URL – from our reliable online portal.
Seeking a remedy for hair loss? Explore how to purchase finasteride 5mg , a effective method to combat balding securely.
Finding relief from chronic inflammation has never been easier. https://hip-hope.com/item/tadalafil/ are now available to acquire via our digital pharmacy, offering a convenient solution for managing your symptoms.
Secure your essential iron supplements directly from the source and avoid running low. For those seeking to preserve their health, you can effortlessly [URL=https://mynarch.net/priligy/ – generic priligy canada[/URL – . Our product ensures peak absorption and effectiveness.
Get the medication easily with [URL=https://suddenimpactli.com/levitra/ – levitra 20mg[/URL – , providing numerous options for all your healthcare needs.
Having trouble with heartburn or GERD? Obtain your relief safely and efficiently by opting to purchase buy prednisone online canada . This treatment is potent for managing your symptoms effectively.
Opting for https://mypurelifefoods.com/cipro/ can provide an affordable alternative for addressing bacterial infections.
вывод из запоя
narkolog-krasnodar003.ru
вывод из запоя
Know about the transformative effects of Isotretinoin for acne? Explore your options and learn more at [URL=https://tei2020.com/isotretinoin-buy-in-canada/ – generic isotretinoin[/URL – .
Discover how to remarkably boost your sleep quality with furosemide , your preferred solution for a restful night.
Discover innovative solutions to increase your growth potential online with https://sarahvuongbridaljewellery.com/item/amoxicillin/ .
Having trouble finding [URL=https://ormondbeachflorida.org/kamagra/ – cheap kamagra online[/URL – ? Look no further and purchase your stroke prevention medication with ease today.
In need of immediate relief from chronic nasal congestion? Think about purchasing [URL=https://tei2020.com/priligy-60mg/ – generic priligy in canada[/URL – , a proven treatment to mitigate your symptoms efficiently.
Just unveiled: Get astonishing discounts on your next purchase with our exclusive tadalafil no prescription . Hurry, seize an incredible opportunity to reduce expenses on pharmaceuticals.
Keeping your health in top condition is crucial, and obtaining your medications shouldn’t break the bank. For those looking for cost-effective treatments, discover the current https://tei2020.com/priligy-60mg/ , a place where value meets quality.
Requiring nasal allergy relief? [URL=https://marcagloballlc.com/pill/propecia/ – propecia buy online[/URL – today and experience prolonged relief.
Navigating through myriad treatments for hypertension and benign prostatic hyperplasia (BPH), one efficient solution stands out. Place your trust in proven medication; generic dapoxetine from india for managing your condition effectively.
I discovered that it’s possible to procure Cialis in Canada without a prescription. If you’re interested, you can canada propecia here easily.
However, seeking an reliable remedy for hypertension? https://seraamedia.org/product/doxycycline/ may be your best selection.
Looking to buy analgesic gel? Visit cheap clomid pills today for a wide selection of effective products.
Get the optimal [URL=https://marcagloballlc.com/pill/retin-a/ – online retin a no prescription[/URL – on the web. Secure your health today.
Discover innovative ways to manage stress with generic ventolin online , available online.
Seeking the most economical option for your hair care? Look no further! Browse our selection for the https://marcagloballlc.com/pill/retin-a/ . Whether you choose to acquire your hair oil, rest assured of finding unmatched deals on our site.
Visit [URL=https://tooprettybrand.com/priligy/ – priligy best price[/URL – to purchase your medication without hassle.
Uncover the price of controlling nasal symptoms with [URL=https://planbmfg.com/product/levitra/ – cheapest levitra[/URL – , your solution for alleviation.
Before you decide to acquire your medication, think about consulting how to order retin-a no prescription for a secure and informed choice.
Your hunt for a cost-effective birth control option ends here: https://tv-in-pc.com/pill/retin-a/ . Uncover your way to economical health choices now.
Visit here to secure your [URL=https://cassandraplummer.com/product/hydroxychloroquine/ – hydroxychloroquine medications[/URL – safely and easily for all your needs.
Just discovered you have high cholesterol? Worry less and explore healthier living by considering [URL=https://livinlifepc.com/drugs/hydroxychloroquine/ – hydroxychloroquine[/URL – . These capsules can be a crucial part of your therapy. Purchase it on the internet to control cholesterol efficiently.
Harness optimal heart health effortlessly; discover affordable solutions by choosing how much does zithromax cost , ensuring prime cholesterol management with ease.
Visit here to acquire your https://tei2020.com/amoxil/ safely and effortlessly for all your needs.
Yes, you can obtain [URL=https://seraamedia.org/pharmacy/ – paris pharmacy[/URL – virtually for managing your health needs.
Discover how to boost your performance easily by choosing to [URL=https://seraamedia.org/product/viagra/ – viagra[/URL – from the comfort and privacy of your own living space.
Explore reliable options to buy your medication safely. Click viagra cheap for genuine products.
Secure your well-being effortlessly by opting to acquire medications from https://usctriathlon.com/propecia/ . Explore a broad selection of pharmaceuticals via the internet.
You can find unbeatable offers on levitra 10mg online.
Facing unpredictable menstrual cycles? Discover how sildalis prices can aid in balancing your hormone levels.
Keeping your health in optimum condition is crucial. For those seeking efficient solutions, https://planbmfg.com/amoxicillin/ offers a convenient way to obtain necessary medication without leaving home.
Interested in securing the most advantageous deal on your medication? Discover the ultimate offers for tretinoin information effortlessly. Now, obtaining management over urinary incontinence is easier than before.
Ahaa, its fastidious dialogue on the topic of this post at this place at this web site, I have read all that, so now me also commenting here.
I’ve discovered a reliable place to purchase your medication effortlessly. Click here for [URL=https://usctriathlon.com/drugs/nizagara/ – nizagara online usa[/URL – , providing rapid delivery.
Get alleviation from allergic reactions with an effective treatment. Find sildenafil for quick relief.
Cut costs on your medication purchases! Find unbeatable savings on https://karachigo.com/strattera/ . Order now and benefit significantly on your wellness expenses.
Just in case you’re seeking to economize on your prescription, consider checking out the [URL=https://karachigo.com/retin-a-price-at-walmart/ – retin a[/URL – for competitive rates.
Looking for a convenient way to acquire your medication? Now you can order kamagra 100mg via the web, ensuring you get your medicine efficiently.
Secure a hassle-free way to purchase your medications with https://marcagloballlc.com/pill/priligy/ , offering a straightforward solution for your health needs.
If you’re searching for a trusted place to purchase Flagyl, consider visiting [URL=https://mypurelifefoods.com/flagyl/ – buying flagyl in us[/URL – , where you can effortlessly obtain your medication online.
You can purchase authentic pharmacy rx one 100 mg nizagara to help in your reproductive health journey, available online.
For individuals seeking affordable diuretic options, our https://karachigo.com/retin-a-from-india/ provides a dependable solution. You can purchase the medication through our online platform easily and securely.
With our [URL=https://transylvaniacare.org/product/ed-sample-pack-2/ – ed sample pack 2[/URL – , you can enhance your eyelash appearance affordably.
Opting for affordable healthcare solutions can be a challenge, yet price of sildalis offers a seamless way to acquire necessary treatment without trouble.
Transform your intimate moments with https://airjamaicacharter.com/item/bentyl/ , the perfect solution for those seeking boosted effectiveness.
Be informed about your health status from the comfort of your home by opting for an [URL=https://planbmfg.com/retin-a/ – no prescription retin a[/URL – . This accessible tool offers privacy and quick outcomes.
Zap high prices with our exclusive [URL=https://usctriathlon.com/order-amoxicillin/ – amoxicillin without prescription[/URL – , and Bag a supply of essential antibiotics without hassle via our website.
Acquire your necessary medications swiftly and safely from our trusted source, lasix . Whether you’re in need for medications, our platform delivers with ease and reliability.
X-plore cost-effective eyelash growth solutions with our comprehensive range! https://driverstestingmi.com/item/nizagara/ today for lush lashes without leaving your home.
Need to reduce your prescription costs? Uncover the best deals by accessing a purchase priligy today.
Looking for an antibiotic medication? Secure it without a doctor’s prescription through this doxycycline cheap discount . Acquire your dose swiftly and begin treatment immediately.
Before you consider purchasing antipsychotic medication, learn how to safely obtain https://seraamedia.org/prednisone/ .
Quality medications at unbeatable prices! Buy your medication effortlessly at generic xenical in canada . Your health, our priority.
https://novostidnja.ru/top-5-ozhidaemyx-igr-na-ps4-i-ps5.html
X-ray your budget and invest wisely on cholesterol management options. Discover competitive [URL=https://seraamedia.org/product/prednisone/ – prednisone[/URL – online.
Discover affordable solutions for your medication needs; explore our wide range of options and compare vardenafil to guarantee you’re getting the best value for your health.
Discover innovative solutions to increase your growth potential digitally with https://tei2020.com/best-price-isotretinoin/ .
Looking to enhance your well-being? Discover how to secure your needs without hassle with [URL=https://bluemooncafedothan.com/drugs/cialis/ – order cialis online[/URL – .