{"id":892,"date":"2025-09-09T13:07:59","date_gmt":"2025-09-09T18:07:59","guid":{"rendered":"https:\/\/www.bluestarhm.com\/schaumburg\/?p=892"},"modified":"2025-09-09T13:07:59","modified_gmt":"2025-09-09T18:07:59","slug":"what-is-a-jumbo-loan","status":"publish","type":"post","link":"https:\/\/www.bluestarhm.com\/schaumburg\/what-is-a-jumbo-loan\/","title":{"rendered":"What is a Jumbo Loan?"},"content":{"rendered":"<h3>What Is a Jumbo Loan in Schaumburg, IL?<\/h3>\n<p><strong>With home values in Schaumburg and the surrounding Chicagoland area continuing to rise, many properties now exceed standard loan limits. In these cases, a <em>jumbo loan Schaumburg<\/em> offers the financing flexibility you need to secure your dream home without multiple mortgages.<\/strong><\/p>\n<p><a href=\"javascript:void(0);\" class=\"default-btn white-text\" data-toggle=\"modal\" data-target=\"#myModal\">Schedule Free Consultation<\/a><\/p>\n<h3>Defining a Jumbo Loan<\/h3>\n<p>A <strong>jumbo loan Schaumburg<\/strong> is any mortgage that surpasses the Federal Housing Finance Agency\u2019s (FHFA) conforming loan limits. For 2025, the baseline limit for a single-family property is $806,500 in most counties, though high-cost areas may be higher. Any loan above that threshold is considered a jumbo loan, which is \u201cnon-conforming\u201d because it cannot be purchased by Fannie Mae or Freddie Mac.<\/p>\n<h3>Why Do Jumbo Loans Schaumburg Require Stricter Guidelines?<\/h3>\n<p>Since jumbo loans are non-conforming, lenders face higher risk. To offset this, jumbo loans Schaumburg typically require stricter qualifications such as stronger credit, larger down payments, and more detailed documentation.<\/p>\n<h3>Basic Jumbo Loan Schaumburg Requirements<\/h3>\n<ul>\n<li><strong>Credit Score:<\/strong> Most lenders prefer 700\u2013720 or higher for a jumbo loan Schaumburg.<\/li>\n<li><strong>Down Payment:<\/strong> Expect 10%\u201320% or more; some luxury homes may require 30% down.<\/li>\n<li><strong>Debt-to-Income Ratio:<\/strong> Generally capped at 43% or less.<\/li>\n<li><strong>Cash Reserves:<\/strong> Lenders often ask for 6\u201318 months of mortgage payments in reserves.<\/li>\n<li><strong>Appraisals:<\/strong> Many jumbo loans Schaumburg require two appraisals to confirm property value.<\/li>\n<\/ul>\n<h3>Jumbo vs. Conforming Loans<\/h3>\n<ul>\n<li><strong>Loan Limits:<\/strong> Conforming loans must stay under FHFA guidelines; jumbo loans Schaumburg exceed them.<\/li>\n<li><strong>Credit Requirements:<\/strong> Conforming loans may allow scores as low as 620; jumbo loans often need 700+.<\/li>\n<li><strong>Down Payments:<\/strong> Conforming loans can start as low as 3%; jumbo loans usually require 10%\u201320%.<\/li>\n<li><strong>Reserves:<\/strong> Jumbo borrowers typically need significant liquid assets.<\/li>\n<li><strong>Appraisals:<\/strong> Jumbo loans often require two appraisals for extra verification.<\/li>\n<\/ul>\n<h3>Pros of Jumbo Loans Schaumburg<\/h3>\n<ul>\n<li>Finance higher-value homes with one mortgage<\/li>\n<li>Competitive interest rates based on strong credit<\/li>\n<li>No PMI with 20% down<\/li>\n<li>Options for primary homes, second homes, and investments<\/li>\n<\/ul>\n<h3>Cons of Jumbo Loans Schaumburg<\/h3>\n<ul>\n<li>Stricter qualification standards<\/li>\n<li>Larger down payments required<\/li>\n<li>More extensive underwriting and documentation<\/li>\n<\/ul>\n<h3>Who Should Consider a Jumbo Loan Schaumburg?<\/h3>\n<p>Borrowers in Schaumburg looking for luxury homes, properties in sought-after neighborhoods, or homes priced above FHFA limits may benefit from jumbo loans. If you have excellent credit, steady income, and sufficient reserves, a jumbo loan Schaumburg can be a powerful financing option.<\/p>\n<h3>How Bluestar Home Mortgage Helps Schaumburg Borrowers<\/h3>\n<p>Bluestar Home Mortgage simplifies the jumbo loan Schaumburg process by:<\/p>\n<ul>\n<li>Explaining eligibility and documentation requirements<\/li>\n<li>Helping plan down payments and reserve strategies<\/li>\n<li>Providing expert guidance through underwriting<\/li>\n<\/ul>\n<h3>Contact Bluestar Schaumburg<\/h3>\n<p>If you\u2019re considering <strong>jumbo loans Schaumburg<\/strong>, Bluestar Home Mortgage is here to provide expert support and guidance every step of the way.<\/p>\n<p><a href=\"javascript:void(0);\" class=\"default-btn white-text\" data-toggle=\"modal\" data-target=\"#myModal\">Schedule Free Consultation<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>What Is a Jumbo Loan in Schaumburg, IL? With home values in Schaumburg and the surrounding Chicagoland area continuing to rise, many properties now exceed standard loan limits. In these cases, a jumbo loan Schaumburg offers the financing flexibility you need to secure your dream home without multiple mortgages. Schedule Free Consultation Defining a Jumbo&hellip; <a class=\"more-link\" href=\"https:\/\/www.bluestarhm.com\/schaumburg\/what-is-a-jumbo-loan\/\">Continue reading <span class=\"screen-reader-text\">What is a Jumbo Loan?<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":893,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[4,1,17],"tags":[],"class_list":["post-892","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles","category-blue-star-mortgage","category-jumbo-home-loans","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What is a Jumbo Loan? - Bluestar Mortgage of Schaumburg, IL<\/title>\n<meta name=\"description\" content=\"Learn how jumbo loans in Schaumburg, IL help finance homes above conforming limits. Explore requirements, pros and cons, and options with Bluestar Home Mortgage. Call (847) 230-4030 today.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.bluestarhm.com\/schaumburg\/what-is-a-jumbo-loan\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What is a Jumbo Loan? - Bluestar Mortgage of Schaumburg, IL\" \/>\n<meta property=\"og:description\" content=\"Learn how jumbo loans in Schaumburg, IL help finance homes above conforming limits. Explore requirements, pros and cons, and options with Bluestar Home Mortgage. Call (847) 230-4030 today.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.bluestarhm.com\/schaumburg\/what-is-a-jumbo-loan\/\" \/>\n<meta property=\"og:site_name\" content=\"Bluestar Mortgage of Schaumburg, IL\" \/>\n<meta property=\"article:published_time\" content=\"2025-09-09T18:07:59+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.bluestarhm.com\/schaumburg\/wp-content\/uploads\/sites\/5\/2025\/09\/jumbo-loan.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"800\" \/>\n\t<meta property=\"og:image:height\" content=\"501\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Bluestar Mortgage\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Bluestar Mortgage\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.bluestarhm.com\\\/schaumburg\\\/what-is-a-jumbo-loan\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.bluestarhm.com\\\/schaumburg\\\/what-is-a-jumbo-loan\\\/\"},\"author\":{\"name\":\"Bluestar Mortgage\",\"@id\":\"https:\\\/\\\/www.bluestarhm.com\\\/schaumburg\\\/#\\\/schema\\\/person\\\/4fa1684ac2278489006c6ff901c33b02\"},\"headline\":\"What is a Jumbo Loan?\",\"datePublished\":\"2025-09-09T18:07:59+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.bluestarhm.com\\\/schaumburg\\\/what-is-a-jumbo-loan\\\/\"},\"wordCount\":441,\"image\":{\"@id\":\"https:\\\/\\\/www.bluestarhm.com\\\/schaumburg\\\/what-is-a-jumbo-loan\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.bluestarhm.com\\\/schaumburg\\\/wp-content\\\/uploads\\\/sites\\\/5\\\/2025\\\/09\\\/jumbo-loan.jpg\",\"articleSection\":[\"Articles\",\"Blue Star Mortgage\",\"Jumbo Home Loans\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.bluestarhm.com\\\/schaumburg\\\/what-is-a-jumbo-loan\\\/\",\"url\":\"https:\\\/\\\/www.bluestarhm.com\\\/schaumburg\\\/what-is-a-jumbo-loan\\\/\",\"name\":\"What is a Jumbo Loan? - Bluestar Mortgage of Schaumburg, IL\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.bluestarhm.com\\\/schaumburg\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.bluestarhm.com\\\/schaumburg\\\/what-is-a-jumbo-loan\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.bluestarhm.com\\\/schaumburg\\\/what-is-a-jumbo-loan\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.bluestarhm.com\\\/schaumburg\\\/wp-content\\\/uploads\\\/sites\\\/5\\\/2025\\\/09\\\/jumbo-loan.jpg\",\"datePublished\":\"2025-09-09T18:07:59+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/www.bluestarhm.com\\\/schaumburg\\\/#\\\/schema\\\/person\\\/4fa1684ac2278489006c6ff901c33b02\"},\"description\":\"Learn how jumbo loans in Schaumburg, IL help finance homes above conforming limits. Explore requirements, pros and cons, and options with Bluestar Home Mortgage. Call (847) 230-4030 today.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.bluestarhm.com\\\/schaumburg\\\/what-is-a-jumbo-loan\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.bluestarhm.com\\\/schaumburg\\\/what-is-a-jumbo-loan\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.bluestarhm.com\\\/schaumburg\\\/what-is-a-jumbo-loan\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.bluestarhm.com\\\/schaumburg\\\/wp-content\\\/uploads\\\/sites\\\/5\\\/2025\\\/09\\\/jumbo-loan.jpg\",\"contentUrl\":\"https:\\\/\\\/www.bluestarhm.com\\\/schaumburg\\\/wp-content\\\/uploads\\\/sites\\\/5\\\/2025\\\/09\\\/jumbo-loan.jpg\",\"width\":800,\"height\":501,\"caption\":\"jumbo loan\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.bluestarhm.com\\\/schaumburg\\\/what-is-a-jumbo-loan\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.bluestarhm.com\\\/schaumburg\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"What is a Jumbo Loan?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.bluestarhm.com\\\/schaumburg\\\/#website\",\"url\":\"https:\\\/\\\/www.bluestarhm.com\\\/schaumburg\\\/\",\"name\":\"Bluestar Mortgage of Schaumburg, IL\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.bluestarhm.com\\\/schaumburg\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.bluestarhm.com\\\/schaumburg\\\/#\\\/schema\\\/person\\\/4fa1684ac2278489006c6ff901c33b02\",\"name\":\"Bluestar Mortgage\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/e861b4977d57247fc254589e9f9398750f448bcd0e162e615aed0d2a1605eab2?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/e861b4977d57247fc254589e9f9398750f448bcd0e162e615aed0d2a1605eab2?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/e861b4977d57247fc254589e9f9398750f448bcd0e162e615aed0d2a1605eab2?s=96&d=mm&r=g\",\"caption\":\"Bluestar Mortgage\"},\"sameAs\":[\"https:\\\/\\\/www.bluestarhm.com\"],\"url\":\"https:\\\/\\\/www.bluestarhm.com\\\/schaumburg\\\/author\\\/blue-star-mortgage\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"What is a Jumbo Loan? - Bluestar Mortgage of Schaumburg, IL","description":"Learn how jumbo loans in Schaumburg, IL help finance homes above conforming limits. Explore requirements, pros and cons, and options with Bluestar Home Mortgage. Call (847) 230-4030 today.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.bluestarhm.com\/schaumburg\/what-is-a-jumbo-loan\/","og_locale":"en_US","og_type":"article","og_title":"What is a Jumbo Loan? - Bluestar Mortgage of Schaumburg, IL","og_description":"Learn how jumbo loans in Schaumburg, IL help finance homes above conforming limits. Explore requirements, pros and cons, and options with Bluestar Home Mortgage. Call (847) 230-4030 today.","og_url":"https:\/\/www.bluestarhm.com\/schaumburg\/what-is-a-jumbo-loan\/","og_site_name":"Bluestar Mortgage of Schaumburg, IL","article_published_time":"2025-09-09T18:07:59+00:00","og_image":[{"width":800,"height":501,"url":"https:\/\/www.bluestarhm.com\/schaumburg\/wp-content\/uploads\/sites\/5\/2025\/09\/jumbo-loan.jpg","type":"image\/jpeg"}],"author":"Bluestar Mortgage","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Bluestar Mortgage","Est. reading time":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.bluestarhm.com\/schaumburg\/what-is-a-jumbo-loan\/#article","isPartOf":{"@id":"https:\/\/www.bluestarhm.com\/schaumburg\/what-is-a-jumbo-loan\/"},"author":{"name":"Bluestar Mortgage","@id":"https:\/\/www.bluestarhm.com\/schaumburg\/#\/schema\/person\/4fa1684ac2278489006c6ff901c33b02"},"headline":"What is a Jumbo Loan?","datePublished":"2025-09-09T18:07:59+00:00","mainEntityOfPage":{"@id":"https:\/\/www.bluestarhm.com\/schaumburg\/what-is-a-jumbo-loan\/"},"wordCount":441,"image":{"@id":"https:\/\/www.bluestarhm.com\/schaumburg\/what-is-a-jumbo-loan\/#primaryimage"},"thumbnailUrl":"https:\/\/www.bluestarhm.com\/schaumburg\/wp-content\/uploads\/sites\/5\/2025\/09\/jumbo-loan.jpg","articleSection":["Articles","Blue Star Mortgage","Jumbo Home Loans"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.bluestarhm.com\/schaumburg\/what-is-a-jumbo-loan\/","url":"https:\/\/www.bluestarhm.com\/schaumburg\/what-is-a-jumbo-loan\/","name":"What is a Jumbo Loan? - Bluestar Mortgage of Schaumburg, IL","isPartOf":{"@id":"https:\/\/www.bluestarhm.com\/schaumburg\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.bluestarhm.com\/schaumburg\/what-is-a-jumbo-loan\/#primaryimage"},"image":{"@id":"https:\/\/www.bluestarhm.com\/schaumburg\/what-is-a-jumbo-loan\/#primaryimage"},"thumbnailUrl":"https:\/\/www.bluestarhm.com\/schaumburg\/wp-content\/uploads\/sites\/5\/2025\/09\/jumbo-loan.jpg","datePublished":"2025-09-09T18:07:59+00:00","author":{"@id":"https:\/\/www.bluestarhm.com\/schaumburg\/#\/schema\/person\/4fa1684ac2278489006c6ff901c33b02"},"description":"Learn how jumbo loans in Schaumburg, IL help finance homes above conforming limits. Explore requirements, pros and cons, and options with Bluestar Home Mortgage. Call (847) 230-4030 today.","breadcrumb":{"@id":"https:\/\/www.bluestarhm.com\/schaumburg\/what-is-a-jumbo-loan\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.bluestarhm.com\/schaumburg\/what-is-a-jumbo-loan\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.bluestarhm.com\/schaumburg\/what-is-a-jumbo-loan\/#primaryimage","url":"https:\/\/www.bluestarhm.com\/schaumburg\/wp-content\/uploads\/sites\/5\/2025\/09\/jumbo-loan.jpg","contentUrl":"https:\/\/www.bluestarhm.com\/schaumburg\/wp-content\/uploads\/sites\/5\/2025\/09\/jumbo-loan.jpg","width":800,"height":501,"caption":"jumbo loan"},{"@type":"BreadcrumbList","@id":"https:\/\/www.bluestarhm.com\/schaumburg\/what-is-a-jumbo-loan\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.bluestarhm.com\/schaumburg\/"},{"@type":"ListItem","position":2,"name":"What is a Jumbo Loan?"}]},{"@type":"WebSite","@id":"https:\/\/www.bluestarhm.com\/schaumburg\/#website","url":"https:\/\/www.bluestarhm.com\/schaumburg\/","name":"Bluestar Mortgage of Schaumburg, IL","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.bluestarhm.com\/schaumburg\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.bluestarhm.com\/schaumburg\/#\/schema\/person\/4fa1684ac2278489006c6ff901c33b02","name":"Bluestar Mortgage","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/e861b4977d57247fc254589e9f9398750f448bcd0e162e615aed0d2a1605eab2?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/e861b4977d57247fc254589e9f9398750f448bcd0e162e615aed0d2a1605eab2?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/e861b4977d57247fc254589e9f9398750f448bcd0e162e615aed0d2a1605eab2?s=96&d=mm&r=g","caption":"Bluestar Mortgage"},"sameAs":["https:\/\/www.bluestarhm.com"],"url":"https:\/\/www.bluestarhm.com\/schaumburg\/author\/blue-star-mortgage\/"}]}},"_links":{"self":[{"href":"https:\/\/www.bluestarhm.com\/schaumburg\/wp-json\/wp\/v2\/posts\/892","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bluestarhm.com\/schaumburg\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.bluestarhm.com\/schaumburg\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.bluestarhm.com\/schaumburg\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bluestarhm.com\/schaumburg\/wp-json\/wp\/v2\/comments?post=892"}],"version-history":[{"count":1,"href":"https:\/\/www.bluestarhm.com\/schaumburg\/wp-json\/wp\/v2\/posts\/892\/revisions"}],"predecessor-version":[{"id":894,"href":"https:\/\/www.bluestarhm.com\/schaumburg\/wp-json\/wp\/v2\/posts\/892\/revisions\/894"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bluestarhm.com\/schaumburg\/wp-json\/wp\/v2\/media\/893"}],"wp:attachment":[{"href":"https:\/\/www.bluestarhm.com\/schaumburg\/wp-json\/wp\/v2\/media?parent=892"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bluestarhm.com\/schaumburg\/wp-json\/wp\/v2\/categories?post=892"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bluestarhm.com\/schaumburg\/wp-json\/wp\/v2\/tags?post=892"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}