The first of Solomon's reorganizations came early in his tenure, when he folded it into the firm's investment management division. Ismail and others had argued against the move to Solomon, feeling that it would hinder the business. Were thrilled to partner with Apple on Apple Card, which helps customers take control of their financial lives.. Sign in to view your Apple Card balances, Apple Card Monthly Installments, make payments, and download your monthly statements. Apple Inc. All rights reserved. Update your Apple Card account information. Open an Account Access: Open Online 24/7 Open and manage your account from your desktop or mobile device at any time. Each co-owner is jointly and individually responsible for all balances on the co-owned Apple Card including amounts due on the existing co-owners account before the accounts are merged. Custody and clearing services are provided by Apex Clearing Corporation, a registered broker-dealer and member FINRA/SIPC. Then scroll through Latest Transactions until you see a Payment transaction. The J.D. Apple assumes no responsibility with regard to the selection, performance, or use of third-party websites or products. If you have Apple Card Monthly Installments,2 your monthly balance includes your interest-free monthly installment. Member FDIC. Marcus loan requirements: 660+ FICO credit score, Social Security number or Individual Taxpayer Identification number, 18+ years old, open U.S. bank account. Apple recommends that you keep your Apple Card account notifications turned on. Below Set Up Scheduled Payments, click Set Up Now. On your iPhone, open the Wallet app and tap Apple Card. Member FDIC. 1 Apple Card and issuer Goldman Sachs also ranked highest in the Midsize Credit Card provider segment across all of the . The pandemic-fueled boom in public listings, mergers and other deals meant that Goldman was en route to a banner year for investment banking, its most profitable ever. If you want to change your scheduled payment, you need to first cancel your current scheduled payment. Apple Card is available for qualifying applicants in the United States. For everyone who loves unlimited earnings, GM vehicles and other perks. Investment products are: NOT FDIC INSURED NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, GOLDMAN SACHS BANK USA SUBJECT TO INVESTMENT RISKS, INCLUDING POSSIBLE LOSS OF THE PRINCIPAL AMOUNT INVESTED. The latest news and updates, direct from Apple. Copyright 2023 Apple Inc. All rights reserved. NMLS Consumer Access Website:www.nmlsconsumeraccess.org, NOT FDIC INSURED NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, GOLDMAN SACHS BANK USA SUBJECT TO INVESTMENT RISKS, INCLUDING POSSIBLE LOSS OF THE PRINCIPAL AMOUNT INVESTED. If you have Apple Card Monthly Installmentsyour balance includes the newly billed monthly installment. The CEO was said to be enamored of the rise of fast-growing digital players such as Chime and believed that Goldman needed to offer a checking account, while Marcus leaders didn't think the bank had advantages there and should continue as a more focused player. Open the Wallet app on your iPhone, tap Apple Card, then tap Pay. This includes. Please refresh the page and try again. Many of the decisions Goldman CEO David Solomon made regarding Marcus ultimately led to the collapse of its consumer ambitions, according to a dozen people with knowledge of the matter. If your name or phone number changes, contact an Apple Card Specialist at Goldman Sachs to update your account information. For more information about Daily Cash, see the Apple Support article Get unlimited Daily Cash with Apple Card. See Pay your Apple Card balance online. CUPERTINO, CALIFORNIA Apple today announced a new Savings account for Apple Card that will allow users to save their Daily Cash and grow their rewards in a high-yield Savings account from Goldman Sachs.1 In the coming months, Apple Card users will be able to open the new high-yield Savings account and have their Daily Cash automatically deposited into it with no fees, no minimum deposits, and no minimum balance requirements.2Soon, users can spend, send, and save Daily Cash directly from Wallet. Brokerage and investment advisory services offered by Marcus Invest are provided by GS&Co., which is an SEC registered broker-dealer and investment adviser, and member FINRA/SIPC. In fact, the Apple Card is the first-ever credit card issued by Goldman, which was founded in 1869. If the balance of your Apple Cash account is less than the amount of your payment, the remaining balance is paid from your default bank account. Power 2021 U.S. Credit Card Satisfaction Study. Here's the problem. "Our franchise is strong," the . Then, tap the "Message" icon to be connected to a Goldman Sachs . Heading into an economic downturn, Goldman had to set aside reserves for future losses, even if they don't happen. Watch the video to see how you can get 24/7 support for Apple Card >, Learn more about Apple Card eligibility requirements. is not registered. If you already made a payment or have one scheduled, you may need to click Pay Now, Pay More, or Pay Installments Early before you can add an amount. Apple Card users get 3 percent Daily Cash on Apple Card purchases made using Apple Pay with Apple and select merchants, including Uber and Uber Eats, Walgreens, Nike, Panera Bread, T-Mobile, ExxonMobil, and Ace Hardware, as well as 2 percent Daily Cash when they useApple Pay at other merchants, and 1 percent on all other purchases. Apple announced it's partnering with Goldman Sachs to soon launch a new Savings account feature for its Apple Card credit cardholders. Before making or scheduling a payment on a shared Apple Card account, co-owners should verify that the correct bank account is selected.3. Watch the video to learn how to make a one-time payment on your Apple Card balance>. By Goldman's . Then tap Next. Generally speaking, successful credit cards address one of three consumer segments: Those looking for . Apples five software platforms iOS, iPadOS, macOS, watchOS, and tvOS provide seamless experiences across all Apple devices and empower people with breakthrough services including the App Store, Apple Music, Apple Pay, and iCloud. Marcus by Goldman Sachs is a brand of Goldman Sachs Bank USA and Goldman Sachs & Co. LLC (GS&Co.), which are subsidiaries of The Goldman Sachs Group, Inc. All loans, deposit products, and credit cards are provided or issued by Goldman Sachs Bank USA, Salt Lake City Branch. A diversified portfolio does not ensure a profit or protect against a loss. You can make an immediate, one-time payment toward your Apple Card balance, or you can schedule a one-time payment for the future. At card.apple.com, click Settings in the sidebar. For instance, Marcus officials had to entertain potential sponsorships with Rihanna, Reese Witherspoon and other celebrities, as well as study whether the Goldman brand should replace that of Marcus. It is my understanding that Apple/Goldman Sachs contracted with Intuit/Quicken for Web Connect only, not for Direct Connect or Express Web Connect. The latest news and updates, direct from Apple. Marcus leaders had disagreed with Solomon over products, acquisitions and branding, said the people, who declined to be identified speaking about internal Goldman matters. Goldman launched Marcus in 2016 to diversify its revenue and funding sources by offering traditional consumer banking products like savings accounts and, since 2019, a credit card with Apple Inc . Goldman.com (Private Wealth Management) GSAM.com. Pay Different Amount: Pay a specific amount weekly, every two weeks, or monthly. "We've made a lot of progress, been flexible when needed, and we're looking forward to updating our investors on that progress and the path ahead," Goldman communications chief Tony Fratto said in a statement. Please refresh the page and try again. Once Solomon took over, in 2018, he began a series of corporate reorganizations that would influence the path of the embryonic business. Update your Apple Card account information. At card.apple.com, click Payments in the sidebar. Simplicity, transparency and privacy are at the core of our consumer product development philosophy, said Chairman and CEO David Solomon. To cancel a payment, click Cancel Payment in the payment details window. Launched in 2019, Apple Card delivers greater control, transparency and privacy to consumers. [deleted] 3 yr. ago. The company announced Apple Card users could automatically deposit cash-back rewards into a high-yield savings. The bank had hoped for Platform . You can download PDF versions of your Apple Card statements. The humbling episode adds to the stakes of Solomon's second-ever investor day conference Tuesday, in which the CEO will provide details on his plan to build durable sources of revenue growth. One idea was to use the card technology created to service Apple Card . Built with customers financial health in mind, Apple Card is a no-fee credit card that provides customers with a secure and seamless way to manage their finances right from Apple Wallet on iPhone.2 Apple Card also offers Daily Cash rewards when customers spend online or in-store, including 3 percent Daily Cash back on purchases made directly with Apple and select merchants with Apple Pay, and 2 percent on purchases through Apple Pay. Please enable Cookies and reload the page. Enter a payment amount or choose a suggested amount. Savings accounts are provided by Goldman Sachs Bank USA, Salt Lake City Branch. If you set up Apple Cash: Your Daily Cash balance is automatically added to Apple Cash. Click Next, enter the details of the payment, then click Next again. View your Apple Card balance and credit details Your Apple Card balance includes all new spending, as well as any remaining monthly balance. There are two things that contribute to Goldman Sachs losing money on Apple Card. See the Apple Support article How to make Apple Card payments. Under Latest Transactions, tap the payment that you want to cancel. If you have Apple Card Monthly Installments, spending includes the newly billed monthly installment. Goldman Sachs Helps a French Utility Tap the US Commercial Paper Market. If you bought an iPhone, iPad, Mac, or other eligible Apple productwithApple Card Monthly Installments, your monthly installment is included in the minimum payment amount. If you already paid some of your monthly balance,your remaining monthly balance is shown. Tap Add a Bank Account, then follow the instructions on your screen. In that way, Cohn, who left in 2017 to join the Trump administration, was emblematic of many of the company's old guard who believed that consumer finance simply wasn't in Goldman's DNA. Get 15,000 bonus points when you spend $1,000 in your first 3 months5. Apple Card, created by Apple, is the only card issued by Goldman Sachs, which ranked highest among the Midsize Credit Card segment in the J.D. Enter a payment amount or choose a suggested amount. More than four years into his tenure, the CEO faces pressure from an unlikely source disaffected partners of his own company, whose leaks to the press in the past year accelerated the bank's strategy pivot and revealed simmering disdain for his high-profile DJ hobby. With a goal to drive into credit cards for iPhones, Goldman might have been a bit to risk tolerant. To log in to your Apple Card account, go to the login page on the Marcus by Goldman Sachs website or mobile app and enter your username and password in the appropriate fields. When you buy something with Apple Card, you get a percentage of your purchase back in Daily Cash. Copyright 2023 Apple Inc. All rights reserved. Power press release at http://www.jdpower.com/pr-id/2021095. You can only use your bank account to schedule a one-time payment. Earn $100 statement credit when you spend $1,500 on fuel per calendar year or earn a $100 statement credit when you use the your card to pay 6 months of your electric bills. To do that, open the Wallet App on your Apple device and tap the "More Options" icon in the upper right corner. First, Apple Card doesn't charge users any fees other than interest. Pay Minimum: Pay the minimum balance on a specific date every month. Your monthly balance is automatically selected and you see a green checkmark. Copyright If you want to download a PDF of the statement, tap Download PDF Statement. If you choseMonthly Balance or Minimum Payment Due, select when you want your payment to be made. But as 2022 ground on, it became clear that Goldman was facing a very different environment. Rates as of January 1, 2023. While the major. We designed Apple Card to help our customers lead healthier financial lives, so its incredibly meaningful to see that our customers are valuing this. If you set up iCloud Keychain, your card information is updated for all of your devices where you use Safari. Earn 7X points with GM3, 4X points on purchases everywhere else4, always. Once you add a bank account, you can make payments toward your Apple Card balance in a supported web browser. "Marcus became a shiny object," said one source. Built with customers financial health in mind, Apple Card provides customers with a secure and seamless way to manage their finances right from Apple Wallet on iPhone. AppleCardTransfer Author Level 1 8 points How to pay your Goldman Sachs Apple Card by mail Here is the address: Goldman Sachs Bank USA, Salt Lake City Branch Lockbox 6112, PO Box 7247, Philadelphia PA 19170-6112 Posted on May 18, 2021 8:39 AM Reply Me too (212) Similar questions 2023 Neither this website nor any of its contents shall constitute an offer, solicitation, or advice to buy or sell securities in any jurisdictions where GS&Co. It looks like three dots. Hold and slide the payment wheel to choose a payment amount. Goldman Sachs Bank Lockbox 6112 P.O. But investors aren't rewarding Solomon with a higher multiple on his earnings, while nemesis Morgan Stanley has opened up a wider lead in recent years, with a price to tangible book value ratio roughly double that of Goldman. Being recognized as the leader in this category this year is an honor, and we look forward to continuing to deliver this product, service, and support with our award-winning issuer as Apple Card expands to more and more customers across the U.S., Nothing energizes us more than the affirmation that we are providing a simple, transparent product that delivers value and that customers love, said Harit Talwar, Goldman Sachss chairman of Consumer Business. "Like a lot of things that Goldman starts, it began not as some grand vision, but more like, 'Here's a way we can make some money,'" one of the people said. Variable APRs range from 13.99 percent to 24.99 percent based on creditworthiness. August 4, 2022 / 5:42 PM / MoneyWatch. You can add multiple bank accounts to make payments. Once set up, Apple Card users can watch their rewards grow in Wallet through an easy-to-use Savings dashboard, which shows their account balance and interest accrued over time. The new Savings account from Goldman Sachs expands upon the financial health benefits and valuable Daily Cash that Apple Card already offers. Scroll down and select the statement that you want to view. Tap Notifications, then scroll down and tap Wallet. Monday to Friday, 8 am - 10 pm, or Saturday to Sunday, 9 am - 7 pm ET. Apple assumes no responsibility with regard to the selection, performance, or use of third-party websites or products. "David would say, 'We're building the business for the next 50 years, not for today,'" said one former Goldman insider. Goldman executives were eager to seal the deal with the tech giant, which happened before Solomon became CEO, they added. View your Apple Card balance and scheduled payments online, Apple Support article: How to avoid or lower Apple Card interest charges. For Apple Card Family, account owners and co-owners are responsible for all payments on the shared Apple Card account. Please enable Cookies and reload the page. Apple Inc. is forging a partnership with Goldman Sachs Group Inc. to offer high-yield savings accounts to users of Apple's credit card, the Apple Card, marking the tech company's latest move . Skip to content. You can use the Wallet app on your iPhone to make payments with Apple Cash. Data is a real-time snapshot *Data is delayed at least 15 minutes. Open the Wallet app on your iPhone and tap Apple Card. Tap the More button in the upper-right corner. Under Transaction Defaults, you can update your shipping address, email, and phone number. You can also ask an Apple Card specialist to help you set up scheduled payments so you don't miss a payment. In 1910, Walter Sachs becomes a partner of the firm founded by his grandfather Marcus Goldman, where he works alongside his father and brothers. Variable APRs for Apple Card range from 15.24% to 26.24% based on creditworthiness. From its early days, Marcus, run by ex-Discover executive Harit Talwar and Goldman veteran Omer Ismail, had been purposefully sheltered from the rest of the company. Power 2021 U.S. Credit Card Satisfaction Study SM and received a chart-topping score of 864. Neither this website nor any of its contents shall constitute an offer, solicitation, or advice to buy or sell securities in any jurisdictions where GS&Co. Marcus engineering resources were pulled in different directions, including into a project to consolidate its technology stack with that of the broader firm, a step that Ismail and Talwar disagreed with. The minimum payment is the minimum amount you must pay towards your Apple Card balance to keep your account current. NMLS ID: 208156. Past performance does not guarantee future results. Investors want an explanation of what went wrong at Marcus, which was touted at Goldman's previous investor day in 2020, and evidence that management has learned lessons from the costly episode. The Federal Reserve ended a decade-plus era of cheap money by raising interest rates, casting a pall over capital markets. Whereas other card companies. You can also make payments and set up scheduled recurring payments. You canschedule recurringpayments or make a one-time payment in the Wallet app with just a few taps. Apple revolutionized personal technology with the introduction of the Macintosh in 1984. Tap the More button , tap Scheduled Payments,tap Cancel Payments,then tap Cancel Payments again to confirm your choice. ", In April 2022, the bank widened testing of its checking account to employees, telling staff that it was "only the beginning of what we hope will soon become the primary checking account for tens of millions of customers.". There is no limit to the amount of Daily Cash users can receive. Open the Wallet app and tap your Apple Card; Tap the more button; Under People, tap Share My Card, then tap Continue; Select a member of your Family Sharing group. Goldman shares have outperformed bank stock indexes during Solomon's tenure, helped by the strong performance of its core trading and investment banking operations. Power 2021 U.S. Credit Card Satisfaction Study. Brokerage and investment advisory services offered by Marcus Invest are provided by GS&Co., which is an SEC registered broker-dealer and investment adviser, and member FINRA/SIPC. If you have an iPhone or iPad, you can make payments in Wallet. Scheduled payments are listed in the Payments section. Introduced in 2019, Apple Card is the first credit card designed for iPhone. Built into Wallet on iPhone, Apple Card has transformed the credit card experience by simplifying the application process, eliminating all fees, encouraging users to pay less interest, offering the privacy and security users expect from Apple, and offering Daily Cash on every purchase.3. On a co-owned account, each co-owner can make payments on the account and can add a bank account. Issued in partnership with Goldman Sachs on the Mastercard network, the no-annual-fee card earns elevated rewards on Apple spending and other select vendors and all purchases made on the. Tap Card Information. Scroll down and tap Wallet & Apple Pay. For more information about Marcus Invest offerings, visit our Full Disclosures. Goldman Sachs this week updated its Apple Card customer agreement to reflect the credit card's upcoming Daily Cash savings account feature . The bank . Goldman Sachs, Apple's partner bank for its Apple Card offering, has revealed that it is facing an investigation by a U.S. consumer watchdog. Just open the Wallet app on your iPhone and tap Apple Card. Agency Securities Lending. Call Goldman Sachs at 1-877-255-5923 to see if they can create one or email you something. You can only make payments through the phone and cannot link the card to financial software. Next to Payments and Credits you see the amount of Payments and Credits from the month you selected. Apple Card and Goldman Sachs ranked highest in customer satisfaction in J.D. Investment products are: NOT FDIC INSURED NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, GOLDMAN SACHS BANK USA SUBJECT TO INVESTMENT RISKS, INCLUDING POSSIBLE LOSS OF THE PRINCIPAL AMOUNT INVESTED. Talwar was fond of telling reporters that Marcus had the advantages of being a nimble startup within a 150-year-old investment bank. Information about products not manufactured by Apple, or independent websites not controlled or tested by Apple, is provided without recommendation or endorsement. Apple makes no representations regarding third-party website accuracy or reliability. Invalid input parameters. Cohen, who is known as a tireless executive, would be even more hands-on than her predecessor, Eric Lane, and Ismail felt that he deserved the promotion. Press and slide counterclockwise until the wheel turns red and stops. If you don't already have an account, you will need to start by clicking "Don't have an Apple ID? Total amount of Target order was $66.15 Goldman Sachs blocked account over under $100. On iOS 14 or later, you might be able to cancel a one-time payment that hasn't been processed yet: If you don't see Cancel Payment, tap Contact Support to chat with an Apple Card specialist. Goldman Sachs opens an office in Hong Kong in 1983, recognizing the role of the port territory as a vital financial bridge for the entire Asian region. 1 in customer satisfaction in the U.S. credit card industry.. For more information about Marcus Invest offerings, visit our Full Disclosures. If you select a date in the future: Click Pay Later. NMLS ID: 208156. Apple continues to push further into the world of banking and finance. NEW YORK, NY, August 19, 2021 - Apple Card, created by Apple, is the only card issued by Goldman Sachs, which ranked highest among the Midsize Credit Card segment in the J.D. You can see all your scheduled payments, both one-time and recurring, in the same place. You can make a payment at the bottom of the page. Payments and Credits includes payments you might have made, refunds on purchases you returned, and credits you might have received from a transaction dispute. It also includes any remaining balance from the previous month. But as Marcus morphed from a side project to a focal point for investors hungry for a growth story, the business rapidly expanded and ultimately buckled under the weight of Solomon's ambitions. comFILE PHOTO: The Goldman Sachs company logo is on the floor of the NYSE in New York. Power 2021 U.S. Credit Card Satisfaction StudySM survey was fielded from September 2020 to June 2021, during which time Goldman Sachs and Apple Card qualified for the midsize issuer segment. Set up scheduled payments for Apple Card On your iPhone, open the Wallet app and tap Apple Card. is not registered. Power 2021 U.S. Credit Card Satisfaction Study SM and received a chart-topping score of 864. is not a fiduciary to any person by reason of providing such information. "Who the f--- agreed to this?" Tap Pay Now to instantly make your payment, then follow the instructions on your screen. Information about products not manufactured by Apple, or independent websites not controlled or tested by Apple, is provided without recommendation or endorsement. The concept of a Goldman card first surfaced in Oct. 2021 when an analyst asked Solomon about his consumer product roadmap. And now, with an unsteady economy, there are risks, risks, and more risks. If youre having technical issues, please give us a call. Goldman Sachs is the issuer of the card and is responsible for underwriting, customer service, the underlying platform and all matters related to regulatory compliance through Goldman Sachs Bank USA. Today, Apple leads the world in innovation with iPhone, iPad, Mac, Apple Watch, and Apple TV. Rates as of October 1,2022. The idea behind Marcus the transformation of a Wall Street powerhouse into a Main Street player that could take on giants such as Jamie Dimon's JPMorgan Chase captivated the financial world from the start. Copyright 2022 Goldman Sachs Group, Inc. All rights reserved. His former employer Goldman would largely content itself with being a behind-the-scenes player, providing its technology and balance sheet to established brands. Member FDIC. Power. Get the Marcus app for mobile banking . Solomon's rationale was that all of Goldman's businesses catering to individuals should be in the same division, even if most Marcus customers had only a few thousand dollars in loans or savings, while the average private wealth client had $50 million in investments. Automate your investing with Marcus Invest. Apple makes no representations regarding third-party website accuracy or reliability. 1 in customer satisfaction among Midsized Credit Card segment, according to J.D. Both can connect to your banks and automatically download and file transactions for you, and Mint has some budgeting features, but YNAB is much more focused on the budgeting aspects rather than giving you a holistic picture. Then, click the "Sign In" to access your online account. Friday December 2, 2022 11:43 am PST by Joe Rossignol. At card.apple.com, click Payments in the sidebar. Click Confirm to finish setting up the scheduled recurring payments. View in context View all replies How do I know my Account Number for the Apple Master Card from Goldman Sachs Bank USA The bank revealed the investigation in a quarterly 10 . 1 in customer satisfaction among Midsized Credit Card providers in the J.D. To get the card number you need to open Wallet>Tap on Apple Card>tap on the three dots in the circle>tap card information. Any information provided prior to opening a Marcus Invest account is on the basis that it will not constitute investment advice and that GS&Co. Built into Wallet on iPhone, Apple Card has transformed the credit card experience by simplifying the application process, eliminating all fees, encouraging users to pay less interest, offering the privacy and security users expect from Apple, and offering Daily Cash on every purchase. Ismail, who was well-regarded internally and had the ability to push back against Solomon, lost some battles and held the line on others. Confirm with Face ID, Touch ID, or passcode. Variable APRs range from 10.99 percent to 21.99 percent based on creditworthiness. If you pay your minimum payment due each month, you're automatically paying your Apple Card Monthly Installmentfor that month. Each co-owner will be reported to credit bureaus as an owner on the account. To turn transaction alerts and notifications for your Apple Card on or off: To turn off all alerts and notifications for the Wallet app: If you turn off notifications, you will miss important alerts, such as spending summaries and payment reminders. Marcus by Goldman Sachs is a brand of Goldman Sachs Bank USA and Goldman Sachs & Co. LLC (GS&Co.), which are subsidiaries of The Goldman Sachs Group, Inc. All loans, deposit products, and credit cards are provided or issued by Goldman Sachs Bank USA, Salt Lake City Branch. For information on how to change your billing address and manage your account, see Use Apple Card with Wallet on iPhone or iPad. Just over a century after Goldman Sachs began dealing in commercial paper, the firm leads a commercial paper issuance for state-owned electric utility lectricit de France in 1974, the first ever in the United States on behalf of a foreign government entity. NMLS Consumer Access Website:www.nmlsconsumeraccess.org, NOT FDIC INSURED NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, GOLDMAN SACHS BANK USA SUBJECT TO INVESTMENT RISKS, INCLUDING POSSIBLE LOSS OF THE PRINCIPAL AMOUNT INVESTED. Apple Card will let users grow Daily Cash rewards while saving for the future. Marcus by Goldman Sachs offers personal finance tools to help you save, borrow, and invest. Savings enables Apple Card users to grow their Daily Cash rewards over time, while also saving for the future, said Jennifer Bailey, Apples vice president of Apple Pay and Apple Wallet. Use Apple Card with Wallet on iPhone or iPad, Apple Support article: How to avoid or lower Apple Card interest charges. Research our firm at FINRA's BrokerCheck. Looking to Expand in Asia, Goldman Sachs Establishes Hong Kong Presence.
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