{"id":829,"date":"2026-08-10T10:41:27","date_gmt":"2026-08-10T07:41:27","guid":{"rendered":"https:\/\/sigorta.nesiblog.com\/?p=829"},"modified":"2026-08-10T10:41:27","modified_gmt":"2026-08-10T07:41:27","slug":"sirali-eksper-atamasi-ile-turk-sigorta-sektorunde-seffaflik-dijital-donusum-ve-kurumsal-guvenin-yeni-donemi","status":"publish","type":"post","link":"https:\/\/sigorta.nesiblog.com\/?p=829","title":{"rendered":"S\u0131ral\u0131 eksper atamas\u0131 ile T\u00fcrk Sigorta Sekt\u00f6r\u00fcnde \u015feffafl\u0131k, dijital d\u00f6n\u00fc\u015f\u00fcm ve kurumsal g\u00fcvenin yeni d\u00f6nemi"},"content":{"rendered":"<p class=\"wp-block-paragraph\">3 A\u011fustos\u2019ta \u00fclke genelinde uygulamaya al\u0131nan S\u0131ral\u0131 Sigorta Eksperi Atama Sistemi, eksper g\u00f6revlendirme s\u00fcrecinde yeni bir d\u00f6nemin kap\u0131s\u0131n\u0131 aral\u0131yor. \u015eeffafl\u0131k, objektiflik ve izlenebilirli\u011fi merkeze alan sistem, yaln\u0131zca bir atama modeli de\u011fil; T\u00fcrk sigorta sekt\u00f6r\u00fcn\u00fcn dijitalle\u015fme ve kurumsal g\u00fcven yolculu\u011funda \u00f6nemli bir ad\u0131m olarak \u00f6ne \u00e7\u0131k\u0131yor. Sigorta Eksperi Ali \u0130hsan Balta, sistemi \u015f\u00f6yle de\u011ferlendiriyor: \u201c<strong>Bu reformun merkezinde eksper de\u011fil; vatanda\u015f, sigortal\u0131, ma\u011fdur ara\u00e7 sahibi ve kamu yarar\u0131 bulunmaktad\u0131r.\u201d<\/strong><\/p>\n<h4 class=\"wp-block-heading\"><strong>S\u0131ral\u0131 Eksper Atama Sistemi<\/strong><\/h4>\n<h4 class=\"wp-block-heading\"><strong>T\u00fcrk Sigorta Sekt\u00f6r\u00fcnde \u015eeffafl\u0131k, Dijital D\u00f6n\u00fc\u015f\u00fcm ve Kurumsal G\u00fcvenin Yeni D\u00f6nemi<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Sigorta sekt\u00f6r\u00fc yaln\u0131zca poli\u00e7e d\u00fczenleyen ve hasar \u00f6deyen bir finans sistemi de\u011fildir. Ayn\u0131 zamanda vatanda\u015f\u0131n g\u00fcven duygusunu koruyan kamusal bir g\u00fcven mekanizmas\u0131d\u0131r. Bu nedenle hasar y\u00f6netiminde yap\u0131lan her d\u00fczenleme; sekt\u00f6r\u00fcn i\u015fleyi\u015fini oldu\u011fu kadar adalet alg\u0131s\u0131n\u0131, sigortal\u0131n\u0131n g\u00fcvenini ve kamu yarar\u0131n\u0131 da do\u011frudan etkiler.<\/p>\n<p class=\"wp-block-paragraph\">3 A\u011fustos 2026 tarihinde \u00fclke genelinde uygulanmaya ba\u015flayan\u00a0<strong>S\u0131ral\u0131 Sigorta Eksperi Atama Sistemi<\/strong>, bu anlay\u0131\u015f\u0131n \u00fcr\u00fcn\u00fc olan yap\u0131sal bir reformdur. \u0130lk bak\u0131\u015fta eksper g\u00f6revlendirme y\u00f6ntemini de\u011fi\u015ftiren teknik bir d\u00fczenleme gibi g\u00f6r\u00fcnse de; ger\u00e7ekte \u015feffafl\u0131\u011f\u0131, hesap verebilirli\u011fi, dijital altyap\u0131y\u0131 ve kurumsal y\u00f6netimi g\u00fc\u00e7lendirmeyi hedefleyen yeni bir hasar y\u00f6netimi modelidir.<\/p>\n<p class=\"wp-block-paragraph\"><strong>\u201cBu reformun merkezinde eksper de\u011fil; vatanda\u015f, sigortal\u0131, ma\u011fdur ara\u00e7 sahibi ve kamu yarar\u0131 bulunmaktad\u0131r.\u201d<\/strong><\/p>\n<h4 class=\"wp-block-heading\"><strong>Eksperlik Mesle\u011finde Yeni Bir D\u00f6nem<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Eksperlik mesle\u011finin temelinde ba\u011f\u0131ms\u0131z ve tarafs\u0131z teknik de\u011ferlendirme vard\u0131r. Bu nedenle g\u00f6revlendirme s\u00fcre\u00e7lerinin objektif kurallara ba\u011flanmas\u0131 yaln\u0131zca mesle\u011fin de\u011fil, kamu yarar\u0131n\u0131n da g\u00fc\u00e7lenmesi anlam\u0131na gelir.<\/p>\n<p class=\"wp-block-paragraph\">S\u0131ral\u0131 Eksper Atama Sistemi; g\u00f6revlendirmeleri ki\u015fisel tercihlerden uzakla\u015ft\u0131rarak standart, dijital ve denetlenebilir bir yap\u0131ya ta\u015f\u0131maktad\u0131r. B\u00f6ylece mesleki ba\u011f\u0131ms\u0131zl\u0131\u011f\u0131, etik ilkeleri ve hesap verebilirli\u011fi g\u00fc\u00e7lendirirken; eksperlik kurumunun kurumsal itibar\u0131n\u0131 da desteklemektedir.<\/p>\n<h4 class=\"wp-block-heading\"><strong>Bu Reformun Ba\u015far\u0131s\u0131 Ortak Sorumluluktur<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Hi\u00e7bir reform yaln\u0131zca mevzuatla ba\u015far\u0131ya ula\u015fmaz.<\/p>\n<p class=\"wp-block-paragraph\"><strong>Kurallar yaz\u0131labilir.<\/strong><\/p>\n<p class=\"wp-block-paragraph\"><strong>Yaz\u0131l\u0131mlar geli\u015ftirilebilir.<\/strong><\/p>\n<p class=\"wp-block-paragraph\">Ancak ba\u015far\u0131; o kurallar\u0131 benimseyen kurumlar ve onlar\u0131 hayata ge\u00e7iren insanlar sayesinde m\u00fcmk\u00fcn olur.<\/p>\n<p class=\"wp-block-paragraph\">Bu nedenle\u00a0<strong>S\u0131ral\u0131 Eksper Atama Sistemi\u2019nin ba\u015far\u0131s\u0131<\/strong>\u00a0yaln\u0131zca\u00a0<strong>SEDDK\u2019n\u0131n<\/strong>,\u00a0<strong>SBM\u2019nin<\/strong>\u00a0veya\u00a0<strong>TOBB Sigorta Eksperleri \u0130cra Komitesi\u2019nin<\/strong>de\u011fil; sigorta \u015firketlerinden eksperlere, acentelerden servis ve onar\u0131m sekt\u00f6r\u00fcne kadar t\u00fcm payda\u015flar\u0131n ortak sorumlulu\u011fudur.<\/p>\n<p class=\"wp-block-paragraph\"><strong>\u201c \u00c7\u00fcnk\u00fc g\u00fc\u00e7l\u00fc kurumlar, ortak hedef etraf\u0131nda olu\u015fan ortak iradeyle in\u015fa edilir.\u201d<\/strong><\/p>\n<h4 class=\"wp-block-heading\"><strong>Ba\u015far\u0131l\u0131 Reformlar Zamanla Olgunla\u015f\u0131r<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Tarih, b\u00fcy\u00fck d\u00f6n\u00fc\u015f\u00fcmlerin hi\u00e7birinin ilk g\u00fcn kusursuz i\u015flemedi\u011fini g\u00f6stermektedir.<\/p>\n<p class=\"wp-block-paragraph\"><strong>Bankac\u0131l\u0131kta dijitalle\u015fme<\/strong>,\u00a0<strong>elektronik vergi sistemleri<\/strong>,\u00a0<strong>merkezi n\u00fcfus kay\u0131tlar\u0131<\/strong>,\u00a0<strong>elektronik adalet altyap\u0131lar\u0131<\/strong>\u00a0ve\u00a0<strong>sa\u011fl\u0131k bilgi sistemleri<\/strong>\u00a0de uygulaman\u0131n ilk d\u00f6nemlerinde \u00f6nemli uyum s\u00fcre\u00e7lerinden ge\u00e7mi\u015ftir.<\/p>\n<p class=\"wp-block-paragraph\">Ancak bu s\u00fcre\u00e7ler, reformlardan vazge\u00e7me gerek\u00e7esi de\u011fil; onlar\u0131 geli\u015ftiren en de\u011ferli geri bildirim kayna\u011f\u0131 olmu\u015ftur.<\/p>\n<p class=\"wp-block-paragraph\">S\u0131ral\u0131 Eksper Atama Sistemi de ayn\u0131 anlay\u0131\u015fla de\u011ferlendirilmelidir.<\/p>\n<p class=\"wp-block-paragraph\"><strong>\u00a0\u201c3 A\u011fustos 2026, bir sonu\u00e7 de\u011fil; s\u00fcrekli geli\u015fecek yeni bir hasar y\u00f6netimi modelinin ba\u015flang\u0131c\u0131d\u0131r.\u201d<\/strong><\/p>\n<h4 class=\"wp-block-heading\"><strong>Bir Yaz\u0131l\u0131m\u0131n \u00d6tesinde<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">S\u0131ral\u0131 Eksper Atama Sistemi yaln\u0131zca yeni bir yaz\u0131l\u0131m de\u011fildir.<\/p>\n<p class=\"wp-block-paragraph\"><strong>\u201c Bu sistem; g\u00fcveni esas alan, veriye dayal\u0131 ve s\u00fcrd\u00fcr\u00fclebilir bir hasar y\u00f6netimi anlay\u0131\u015f\u0131n\u0131n altyap\u0131s\u0131n\u0131 olu\u015fturmaktad\u0131r.\u201d<\/strong><\/p>\n<p class=\"wp-block-paragraph\">Teknoloji bu d\u00f6n\u00fc\u015f\u00fcm\u00fcn arac\u0131d\u0131r.<\/p>\n<p class=\"wp-block-paragraph\">Ba\u015far\u0131y\u0131 belirleyecek olan ise do\u011fru uygulama, g\u00fc\u00e7l\u00fc kurumsal irade ve t\u00fcm payda\u015flar\u0131n ortak katk\u0131s\u0131d\u0131r.<\/p>\n<h4 class=\"wp-block-heading\"><strong>Bu Reforma Neden \u0130htiya\u00e7 Duyuldu?<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Artan ara\u00e7 say\u0131s\u0131, b\u00fcy\u00fcyen hasar hacmi, dijitalle\u015fme ve vatanda\u015f\u0131n de\u011fi\u015fen beklentileri; sigorta sekt\u00f6r\u00fcnde daha g\u00fc\u00e7l\u00fc bir y\u00f6netim modelini zorunlu h\u00e2le getirmi\u015ftir.<\/p>\n<p class=\"wp-block-paragraph\">Her y\u0131l milyonlarca poli\u00e7enin d\u00fczenlendi\u011fi ve y\u00fcz binlerce hasar dosyas\u0131n\u0131n sonu\u00e7land\u0131r\u0131ld\u0131\u011f\u0131 bir sistemde yaln\u0131zca h\u0131zl\u0131 olmak yeterli de\u011fildir. S\u00fcre\u00e7lerin ayn\u0131 zamanda\u00a0<strong>\u015feffaf, izlenebilir, denetlenebilir, hesap verebilir ve objektif<\/strong>\u00a0olmas\u0131 gerekir.<\/p>\n<p class=\"wp-block-paragraph\">G\u00fcn\u00fcm\u00fcz vatanda\u015f\u0131 art\u0131k yaln\u0131zca sonuca de\u011fil; o sonuca hangi kurallar ve hangi s\u00fcre\u00e7lerle ula\u015f\u0131ld\u0131\u011f\u0131na da bakmaktad\u0131r.<\/p>\n<p class=\"wp-block-paragraph\"><strong>S\u0131ral\u0131 Eksper Atama Sistemi, bu beklentiye cevap veren ve T\u00fcrk sigorta sekt\u00f6r\u00fcn\u00fc gelece\u011fin dijital y\u00f6netim anlay\u0131\u015f\u0131na haz\u0131rlayan stratejik bir reformdur.<\/strong><\/p>\n<h4 class=\"wp-block-heading\"><strong>Hukuki Altyap\u0131: G\u00fcc\u00fcn\u00fc Mevzuattan Alan Bir D\u00f6n\u00fc\u015f\u00fcm<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Kal\u0131c\u0131 reformlar, sa\u011flam bir hukuki zeminde y\u00fckselir.<\/p>\n<p class=\"wp-block-paragraph\">S\u0131ral\u0131 Sigorta Eksperi Atama Sistemi;\u00a0<strong>5684 say\u0131l\u0131 Sigortac\u0131l\u0131k Kanunu<\/strong>,\u00a0<strong>Sigorta Eksperleri Atama Y\u00f6netmeli\u011fi<\/strong>\u00a0ve uygulama esaslar\u0131n\u0131 belirleyen\u00a0<strong>2026\/7 say\u0131l\u0131 SEDDK Uygulama Genelgesi<\/strong>\u00a0ile hayata ge\u00e7irilmi\u015ftir.<\/p>\n<p class=\"wp-block-paragraph\">Bu d\u00fczenlemelerle;<\/p>\n<p class=\"wp-block-paragraph\">\u2022 eksper atamalar\u0131n\u0131n EKS\u0130ST \u00fczerinden objektif kurallarla y\u00fcr\u00fct\u00fclmesi,<\/p>\n<p class=\"wp-block-paragraph\">\u2022 s\u00fcre\u00e7lerin dijital ortamda kay\u0131t alt\u0131na al\u0131nmas\u0131,<\/p>\n<p class=\"wp-block-paragraph\">\u2022 atama ve raporlama i\u015flemlerinin standartla\u015ft\u0131r\u0131lmas\u0131,<\/p>\n<p class=\"wp-block-paragraph\">\u2022 t\u00fcm s\u00fcrecin izlenebilir ve denetlenebilir h\u00e2le getirilmesi ama\u00e7lanm\u0131\u015ft\u0131r.<\/p>\n<p class=\"wp-block-paragraph\">B\u00f6ylece eksper g\u00f6revlendirmeleri ki\u015fisel tercihlerden ar\u0131nd\u0131r\u0131larak; \u015feffaf, hesap verebilir ve kurallara dayal\u0131 bir sisteme ta\u015f\u0131nm\u0131\u015ft\u0131r.<\/p>\n<p class=\"wp-block-paragraph\">Bu de\u011fi\u015fim yaln\u0131zca teknik bir yenilik de\u011fildir. Ayn\u0131 zamanda\u00a0<strong>hukuki g\u00fcvenlik, e\u015fitlik, \u00f6ng\u00f6r\u00fclebilirlik ve iyi y\u00f6neti\u015fim ilkelerinin<\/strong>sigorta sekt\u00f6r\u00fcndeki somut yans\u0131mas\u0131d\u0131r.<\/p>\n<p class=\"wp-block-paragraph\">Bunun yan\u0131nda veri odakl\u0131 y\u00f6netimin \u00f6n\u00fcn\u00fc a\u00e7arak performans \u00f6l\u00e7\u00fcm\u00fc, istatistiksel analiz ve politika geli\u015ftirme s\u00fcre\u00e7lerine daha g\u00fc\u00e7l\u00fc bir altyap\u0131 kazand\u0131rmaktad\u0131r.<\/p>\n<h4 class=\"wp-block-heading\"><strong>Gelece\u011fe Bak\u0131\u015f<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Art\u0131k tart\u0131\u015f\u0131lmas\u0131 gereken as\u0131l soru \u015fudur:<\/p>\n<p class=\"wp-block-paragraph\"><strong>Bu sistemi birlikte nas\u0131l daha g\u00fc\u00e7l\u00fc h\u00e2le getirebiliriz?<\/strong><\/p>\n<p class=\"wp-block-paragraph\">Bu soruya verilecek cevap yaln\u0131zca bug\u00fcn\u00fc de\u011fil, sekt\u00f6r\u00fcn gelece\u011fini de \u015fekillendirecektir.<\/p>\n<p class=\"wp-block-paragraph\">\u00c7\u00fcnk\u00fc sigortac\u0131l\u0131k art\u0131k yaln\u0131zca hasar\u0131 y\u00f6neten de\u011fil; veriyi y\u00f6neten bir sekt\u00f6rd\u00fcr.<\/p>\n<p class=\"wp-block-paragraph\"><strong>Yapay zek\u00e2<\/strong>,\u00a0<strong>b\u00fcy\u00fck veri<\/strong>,\u00a0<strong>g\u00f6r\u00fcnt\u00fc i\u015fleme teknolojileri<\/strong>\u00a0ve\u00a0<strong>karar destek sistemleri<\/strong>\u00a0yak\u0131n gelece\u011fin standartlar\u0131 olacakt\u0131r.<\/p>\n<p class=\"wp-block-paragraph\">Ancak g\u00fc\u00e7l\u00fc teknolojiler, g\u00fc\u00e7l\u00fc kurumsal altyap\u0131lar \u00fczerinde y\u00fckselir.<\/p>\n<p class=\"wp-block-paragraph\"><strong>S\u0131ral\u0131 Eksper Atama Sistemi de bu dijital d\u00f6n\u00fc\u015f\u00fcm\u00fcn temel yap\u0131 ta\u015flar\u0131ndan biridir.<\/strong><\/p>\n<h4 class=\"wp-block-heading\"><strong>Te\u015fekk\u00fcr Etmek, Eme\u011fi Teslim Etmektir<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">B\u00f6ylesine kapsaml\u0131 bir d\u00f6n\u00fc\u015f\u00fcm, tek bir kurumun ya da birka\u00e7 ki\u015finin \u00e7abas\u0131yla ger\u00e7ekle\u015femez.<\/p>\n<p class=\"wp-block-paragraph\">Bu s\u00fcre\u00e7te eme\u011fi bulunan ba\u015fta\u00a0<strong>SEDDK\u2019ya ve Ba\u015fkanl\u0131\u011f\u0131na<\/strong>,\u00a0<strong>T\u00fcrkiye Sigorta Birli\u011fi\u2019ne ve Ba\u015fkanl\u0131\u011f\u0131na<\/strong>,\u00a0<strong>Sigorta Bilgi ve G\u00f6zetim Merkezi\u2019ne (SBM)<\/strong>,\u00a0<strong>TOBB Sigorta Eksperleri \u0130cra Komitesi\u2019ne<\/strong>, sigorta \u015firketlerine, eksperlere, yaz\u0131l\u0131m ekiplerine ve katk\u0131 sunan t\u00fcm sekt\u00f6r payda\u015flar\u0131na te\u015fekk\u00fcr etmek gerekir.<\/p>\n<p class=\"wp-block-paragraph\">\u00d6zellikle\u00a0<strong>TOBB Sigorta Eksperleri \u0130cra Komitesi Ba\u015fkan\u0131 Say\u0131n Ahmet Nedim Erdem\u00a0<\/strong>ve birlikte g\u00f6rev yapt\u0131\u011f\u0131 y\u00f6netimin; eksperlik mesle\u011finin daha ba\u011f\u0131ms\u0131z, daha kurumsal ve daha g\u00fc\u00e7l\u00fc bir yap\u0131ya kavu\u015fmas\u0131 ad\u0131na uzun y\u0131llard\u0131r ortaya koydu\u011fu kararl\u0131 gayretin bu d\u00f6n\u00fc\u015f\u00fcmde \u00f6nemli bir pay\u0131 bulunmaktad\u0131r.<\/p>\n<p class=\"wp-block-paragraph\">Mevcut SE\u0130K y\u00f6netiminin ortaya koydu\u011fu vizyon ve kararl\u0131 yakla\u015f\u0131m, yaln\u0131zca eksperlik mesle\u011fi i\u00e7in de\u011fil, T\u00fcrk sigorta sekt\u00f6r\u00fc a\u00e7\u0131s\u0131ndan da \u00f6nemli bir kazan\u0131md\u0131r.<\/p>\n<p class=\"wp-block-paragraph\">Sonu\u00e7 olarak, kurumsal k\u00fclt\u00fcr\u00fcn gere\u011fi yaln\u0131zca ele\u015ftiriyi dile getirmek de\u011fil; eme\u011fi, katk\u0131y\u0131 ve ortak akl\u0131 da hakk\u0131yla teslim edebilmektir.<\/p>\n<p class=\"wp-block-paragraph\"><strong>\u201c\u00c7\u00fcnk\u00fc g\u00fcvenin kurallarla in\u015fa edildi\u011fi yerde yaln\u0131zca hasarlar de\u011fil; sekt\u00f6r\u00fcn gelece\u011fi de do\u011fru y\u00f6netilir.\u201d<\/strong><\/p>\n<p class=\"wp-block-paragraph\">\n<div class=\"twitter-share\"><a href=\"https:\/\/twitter.com\/intent\/tweet?url=https%3A%2F%2Fsigortamedya.com.tr%2Fsirali-eksper-atamasi-ile-turk-sigorta-sektorunde-seffaflik-dijital-donusum-ve-kurumsal-guvenin-yeni-donemi%2F&amp;via=sigortamedya\" class=\"twitter-share-button\">Tweet<\/a><\/div>\n<\/p>","protected":false},"excerpt":{"rendered":"<p>3 A\u011fustos\u2019ta \u00fclke genelinde uygulamaya al\u0131nan S\u0131ral\u0131 Sigorta Eksperi Atama Sistemi, eksper g\u00f6revlendirme s\u00fcrecinde yeni bir d\u00f6nemin kap\u0131s\u0131n\u0131 aral\u0131yor. \u015eeffafl\u0131k, objektiflik ve izlenebilirli\u011fi merkeze alan sistem, yaln\u0131zca bir atama modeli de\u011fil; T\u00fcrk sigorta sekt\u00f6r\u00fcn\u00fcn dijitalle\u015fme ve kurumsal g\u00fcven yolculu\u011funda \u00f6nemli<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-829","post","type-post","status-publish","format-standard","hentry","category-genel"],"_links":{"self":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/posts\/829","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=829"}],"version-history":[{"count":0,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/posts\/829\/revisions"}],"wp:attachment":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=829"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=829"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=829"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}