{"id":68678,"date":"2026-04-04T01:49:36","date_gmt":"2026-04-04T01:49:36","guid":{"rendered":"https:\/\/diyhaven858.wasmer.app\/index.php\/whats-the-average-car-loan-length\/"},"modified":"2026-04-04T01:49:36","modified_gmt":"2026-04-04T01:49:36","slug":"whats-the-average-car-loan-length","status":"publish","type":"post","link":"https:\/\/diyhaven858.wasmer.app\/index.php\/whats-the-average-car-loan-length\/","title":{"rendered":"What\u2019s the average car loan length?"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div xmlns:default=\"http:\/\/www.w3.org\/2000\/svg\" data-testid=\"article-body\">\n<div class=\"bodyItems-wrapper\">\n<ul class=\"yf-1p2hw41\">\n<li class=\"yf-1p2hw41\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->A longer loan term means you\u2019ll have a lower monthly payment, but you\u2019ll also pay more in interest.<!-- HTML_TAG_END --><\/p>\n<\/li>\n<li class=\"yf-1p2hw41\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->A shorter loan term helps minimize borrowing costs and the risk of being upside-down on your loan.<!-- HTML_TAG_END --><\/p>\n<\/li>\n<li class=\"yf-1p2hw41\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->Consider the monthly payment and overall cost of ownership when determining which auto loan term is best for you.<!-- HTML_TAG_END --><\/p>\n<\/li>\n<\/ul>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->Your loan term is the amount of time it takes for you to repay a loan, and it may also affect the auto loan rates you receive. On average, drivers financing a new vehicle had a car loan length of 68.94 months in the fourth quarter of 2025, while used borrowers had a term of 67.68 months, according to Experian\u2019s State of the Automotive Finance Market.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->The longer your loan term, the cheaper your monthly payments will be. However, if you have debt with higher interest rates, such as credit cards, you may consider a longer loan term to focus on paying down other balances.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->Terms typically range from 24 to 84 months, although some lenders offer terms up to 96 months. Data from Experian shows that consumers with lower credit scores tend to opt for longer loan terms \u2014 likely to take advantage of lower payments \u2014 though most loans are for between 60 and 72 months.<!-- HTML_TAG_END --><\/p>\n<div class=\"table-container yf-t4vsm6\">\n<table class=\"article-table yf-t4vsm6\">\n<thead>\n<tr>\n<th>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->Credit score<!-- HTML_TAG_END --><\/p>\n<\/th>\n<th>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->New cars<!-- HTML_TAG_END --><\/p>\n<\/th>\n<th>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->Used cars<!-- HTML_TAG_END --><\/p>\n<\/th>\n<th>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->Leased cars<!-- HTML_TAG_END --><\/p>\n<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td data-testid=\"cell-0-0\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->781 to 850 (super prime)<!-- HTML_TAG_END --><\/p>\n<\/td>\n<td data-testid=\"cell-0-1\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->64.45<!-- HTML_TAG_END --><\/p>\n<\/td>\n<td data-testid=\"cell-0-2\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->66.03<!-- HTML_TAG_END --><\/p>\n<\/td>\n<td data-testid=\"cell-0-3\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->35.55<!-- HTML_TAG_END --><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td data-testid=\"cell-1-0\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->661 to 780 (prime)<!-- HTML_TAG_END --><\/p>\n<\/td>\n<td data-testid=\"cell-1-1\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->72.02<!-- HTML_TAG_END --><\/p>\n<\/td>\n<td data-testid=\"cell-1-2\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->68.78<!-- HTML_TAG_END --><\/p>\n<\/td>\n<td data-testid=\"cell-1-3\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->36.44<!-- HTML_TAG_END --><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td data-testid=\"cell-2-0\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->601 to 660 (near prime)<!-- HTML_TAG_END --><\/p>\n<\/td>\n<td data-testid=\"cell-2-1\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->75.11<!-- HTML_TAG_END --><\/p>\n<\/td>\n<td data-testid=\"cell-2-2\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->68.61<!-- HTML_TAG_END --><\/p>\n<\/td>\n<td data-testid=\"cell-2-3\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->37.09<!-- HTML_TAG_END --><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td data-testid=\"cell-3-0\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->501 to 600 (subprime)<!-- HTML_TAG_END --><\/p>\n<\/td>\n<td data-testid=\"cell-3-1\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->74.33<!-- HTML_TAG_END --><\/p>\n<\/td>\n<td data-testid=\"cell-3-2\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->66.89<!-- HTML_TAG_END --><\/p>\n<\/td>\n<td data-testid=\"cell-3-3\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->37.04<!-- HTML_TAG_END --><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td data-testid=\"cell-4-0\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->300 to 500 (deep subprime)<!-- HTML_TAG_END --><\/p>\n<\/td>\n<td data-testid=\"cell-4-1\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->73.12<!-- HTML_TAG_END --><\/p>\n<\/td>\n<td data-testid=\"cell-4-2\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->64.26<!-- HTML_TAG_END --><\/p>\n<\/td>\n<td data-testid=\"cell-4-3\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->\u2013<!-- HTML_TAG_END --><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->Borrowers with excellent credit can expect to have the best selection of loan terms with the most favorable interest rates because lenders typically view these loans as less risky. A lower credit score will limit the loan terms available to you.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->Your loan term should be based on the amount you can afford each month. Aim to pay as much as you can reasonably afford to cut down on the total cost of your loan, but depending on your credit score and other factors, you may decide that a longer loan term suits your needs despite the higher interest costs.<!-- HTML_TAG_END --><\/p>\n<ol class=\"yf-1p2hw41\">\n<li class=\"yf-1p2hw41\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START --><strong>Determine your budget.<\/strong> Consider both your monthly budget and how much you want to pay for the car itself. The general rule of thumb is to spend no more than 20 percent of your take-home pay on an auto loan payment.<!-- HTML_TAG_END --><\/p>\n<\/li>\n<li class=\"yf-1p2hw41\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START --><strong>Shop for preapproval.<\/strong> Most lenders allow you to apply for preapproval without undergoing a hard credit check with the initial application. This allows you to browse vehicles \u2014 usually within 30 days of preapproval \u2014 and have financing ready to go so you can act like a cash buyer.<!-- HTML_TAG_END --><\/p>\n<\/li>\n<li class=\"yf-1p2hw41\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START --><strong>Calculate <\/strong><strong>borrowing costs.<\/strong> Once you have an idea of the interest rate you\u2019re likely to receive, plug it into an auto loan calculator to view your estimated loan payment. You can also view the amortization table to see how much you will pay per month along with your total interest costs for each loan term.<!-- HTML_TAG_END --><\/p>\n<\/li>\n<li class=\"yf-1p2hw41\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START --><strong>Make a decision.<\/strong> Consider both the monthly payment and the overall cost when deciding which loan term best suits your needs. You may also want to take into account other policies or overall customer satisfaction to choose the best auto loan.<!-- HTML_TAG_END --><\/p>\n<\/li>\n<\/ol><\/div>\n<p>   <button class=\"secondary-btn fin-size-large readmore-button    rounded   yf-r7dg9i\" data-ylk=\"elm:readmore;itc:1;sec:content-canvas;slk:Story%20Continues\" data-yga=\"{&quot;yLinkElement&quot;:&quot;readmore&quot;,&quot;yModuleName&quot;:&quot;content-canvas&quot;,&quot;yLinkText&quot;:&quot;Story Continues&quot;}\" aria-label=\"Story Continues\" title=\"Story Continues\"> <span>Story Continues<\/span> <\/button> <\/p>\n<div class=\"read-more-wrapper\" style=\"display: none\" data-testid=\"read-more\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->Learn more:  Is your car payment too expensive for your monthly budget?<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->As mentioned, the longer your loan term, the more interest you will pay. If you opt for a short loan term, you\u2019ll have higher monthly payments but spend less overall.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->This example assumes a $40,000 auto loan with a 6.5 percent interest rate. The shortest term of 36 months will cost you just over $4,000 in interest, while the longest term of 84 months will cost nearly $10,000.<!-- HTML_TAG_END --><\/p>\n<div class=\"table-container yf-t4vsm6\">\n<table class=\"article-table yf-t4vsm6\">\n<thead>\n<tr>\n<th>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START --><strong>Term<\/strong><!-- HTML_TAG_END --><\/p>\n<\/th>\n<th>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START --><strong>Monthly payment<\/strong><!-- HTML_TAG_END --><\/p>\n<\/th>\n<th>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START --><strong>Total interest paid<\/strong><!-- HTML_TAG_END --><\/p>\n<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td data-testid=\"cell-0-0\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START --><strong>36 months<\/strong><!-- HTML_TAG_END --><\/p>\n<\/td>\n<td data-testid=\"cell-0-1\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->$1,226<!-- HTML_TAG_END --><\/p>\n<\/td>\n<td data-testid=\"cell-0-2\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->$4,135<!-- HTML_TAG_END --><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td data-testid=\"cell-1-0\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START --><strong>48 months<\/strong><!-- HTML_TAG_END --><\/p>\n<\/td>\n<td data-testid=\"cell-1-1\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->$949<!-- HTML_TAG_END --><\/p>\n<\/td>\n<td data-testid=\"cell-1-2\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->$5,533<!-- HTML_TAG_END --><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td data-testid=\"cell-2-0\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START --><strong>60 months<\/strong><!-- HTML_TAG_END --><\/p>\n<\/td>\n<td data-testid=\"cell-2-1\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->$783<!-- HTML_TAG_END --><\/p>\n<\/td>\n<td data-testid=\"cell-2-2\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->$6,959<!-- HTML_TAG_END --><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td data-testid=\"cell-3-0\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START --><strong>72 months<\/strong><!-- HTML_TAG_END --><\/p>\n<\/td>\n<td data-testid=\"cell-3-1\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->$672<!-- HTML_TAG_END --><\/p>\n<\/td>\n<td data-testid=\"cell-3-2\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->$8,413<!-- HTML_TAG_END --><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td data-testid=\"cell-4-0\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START --><strong>84 months<\/strong><!-- HTML_TAG_END --><\/p>\n<\/td>\n<td data-testid=\"cell-4-1\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->$594<!-- HTML_TAG_END --><\/p>\n<\/td>\n<td data-testid=\"cell-4-2\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->$9,894<!-- HTML_TAG_END --><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->Your wallet might appreciate the decreased monthly payment that a long-term loan offers, but the trade-off may not be worth the thousands of dollars you will pay in interest.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->If you aren\u2019t sure which term is best for you, consider how the loan will impact your finances. A longer repayment period gives you a lower monthly payment. But this benefit comes at a cost. You\u2019ll pay more in interest over the loan term than you would if you choose a shorter term.<!-- HTML_TAG_END --><\/p>\n<ol class=\"yf-1p2hw41\">\n<li class=\"yf-1p2hw41\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START --><strong>Pros and cons of a long car loan term<\/strong><!-- HTML_TAG_END --><\/p>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->If you\u2019re leaning towards a long-term car loan, here are some benefits and drawbacks to consider to make an informed decision.<!-- HTML_TAG_END --><\/p>\n<ul class=\"yf-1p2hw41\">\n<li class=\"yf-1p2hw41\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->Lower monthly payment: If your budget is tight, a longer term could make your auto loan payment more manageable.<!-- HTML_TAG_END --><\/p>\n<\/li>\n<li class=\"yf-1p2hw41\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->Increased affordability: You may be able to afford a higher-priced vehicle if you opt for a long-term loan.<!-- HTML_TAG_END --><\/p>\n<\/li>\n<\/ul>\n<ul class=\"yf-1p2hw41\">\n<li class=\"yf-1p2hw41\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->Higher borrowing costs: The lender has more time to collect from you, so you\u2019ll pay more in interest.<!-- HTML_TAG_END --><\/p>\n<\/li>\n<li class=\"yf-1p2hw41\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->Risk of being upside-down on your loan: You could find yourself owing more than your vehicle is worth, which is particularly problematic if you plan to sell or trade your vehicle in the near future.<!-- HTML_TAG_END --><\/p>\n<\/li>\n<\/ul>\n<\/li>\n<li class=\"yf-1p2hw41\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START --><strong>Pros and cons of a short car loan term<\/strong><!-- HTML_TAG_END --><\/p>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->Short-term auto loans also come with key advantages that could make them a better choice for some borrowers.<!-- HTML_TAG_END --><\/p>\n<ul class=\"yf-1p2hw41\">\n<li class=\"yf-1p2hw41\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->Lower borrowing costs: A shorter loan term means lower interest costs over the loan term.<!-- HTML_TAG_END --><\/p>\n<\/li>\n<li class=\"yf-1p2hw41\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->Ownership timeline: Paying the car off over a shorter timeframe also means you\u2019ll own it outright much sooner, potentially avoid the negative impact of depreciation and free up room in your budget.<!-- HTML_TAG_END --><\/p>\n<\/li>\n<\/ul>\n<ul class=\"yf-1p2hw41\">\n<li class=\"yf-1p2hw41\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->Higher monthly payment: You can expect a steeper monthly payment that can limit you to lower-priced vehicles.<!-- HTML_TAG_END --><\/p>\n<\/li>\n<li class=\"yf-1p2hw41\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->Potential budgetary constraints: If you don\u2019t have much wiggle room in your budget, taking on a loan with a shorter term can be risky, especially if you don\u2019t make a sizable down payment.<!-- HTML_TAG_END --><\/p>\n<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START --><strong>Bankrate tip<\/strong><!-- HTML_TAG_END --><\/p>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->For some, a long-term loan might be the only way to afford a car. If this is your situation and you have a low credit score, compare multiple lenders to find the best car loan rates for bad credit.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->The average car loan length ranges between 24 and 84 months. The right terms for your needs ultimately depend on how much you can afford to pay each month.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->Although a shorter term can save you a bundle, it may not be the best fit to finance the car of your dreams. But if you can find a less expensive, comparable model, the compromise may be well worth it in the long run.<!-- HTML_TAG_END --><\/p>\n<\/p><\/div>\n<\/p><\/div>\n<p><br \/>\n<br \/><a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>A longer loan term means you\u2019ll have a lower monthly payment, but you\u2019ll also pay more in interest. A shorter loan term helps minimize borrowing costs and the risk of being upside-down on your loan. Consider the monthly payment and overall cost of ownership when determining which auto loan term is best for you. Your [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":68679,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_daextam_enable_autolinks":"","jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[10],"tags":[3867,1226,2902,246,6401,62,1185,6069,253],"class_list":["post-68678","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business-news","tag-auto-loan","tag-car","tag-car-loan","tag-credit-scores","tag-interest-costs","tag-interest-rates","tag-loan-term","tag-loan-terms","tag-monthly-payment"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/diyhaven858.wasmer.app\/wp-content\/uploads\/2026\/04\/ad91517049b4adb11d5f883840dd84f6.jpeg","jetpack_sharing_enabled":true,"jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/posts\/68678","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/comments?post=68678"}],"version-history":[{"count":0,"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/posts\/68678\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/media\/68679"}],"wp:attachment":[{"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/media?parent=68678"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/categories?post=68678"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/tags?post=68678"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}