Overview
Quick Facts
Daily Price
$29.2878
-0.03%
(-$0.01)
July 07, 2026
Summary Stats
| Asset Class | Canadian Neutral Balanced |
|---|---|
| Risk | Low to Medium |
| MER 1 | 2.61% |
| Net Assets | $3.49 B |
| Inception Date | October 02, 2009 |
| Fund Status | Open |
| Geographic Allocation |
|
Fund Codes
EstatePlus(Elite)
| FE | — | — |
|---|---|---|
| BE | — | — |
| LL | — | — |
| F-Class | — | — |
| NLCB4 | — | — |
| NLCB2 | — | — |
| Elite FE | MGF9119 | SWO |
| Elite BE | MGF9619 | SWO |
| Elite LL | MGF9719 | SWO |
IncomePlus v2.0(Elite)
| FE | — | — |
|---|---|---|
| BE | — | — |
| LL | — | — |
| F-Class | — | — |
| NLCB4 | — | — |
| NLCB2 | — | — |
| Elite FE | MGF8719 | SWO |
| Elite BE | MGF9419 | SWO |
| Elite LL | MGF9519 | SWO |
IncomePlus v2.1 (Elite)
| FE | — | — |
|---|---|---|
| BE | — | — |
| LL | — | — |
| F-Class | — | — |
| NLCB4 | — | — |
| NLCB2 | — | — |
| Elite FE | MGF7019 | SWO |
| Elite BE | MGF7119 | SWO |
| Elite LL | MGF7219 | SWO |
IncomePlus v2.2 (Elite)
| FE | — | — |
|---|---|---|
| BE | — | — |
| LL | — | — |
| F-Class | — | — |
| NLCB4 | — | — |
| NLCB2 | — | — |
| Elite FE | MGF2819 | SWO |
| Elite BE | MGF6419 | SWO |
| Elite LL | MGF7519 | SWO |
InvestmentPlus 75/100 (Elite)
| FE | — | — |
|---|---|---|
| BE | — | — |
| LL | — | — |
| F-Class | — | — |
| NLCB4 | — | — |
| NLCB2 | — | — |
| Elite FE | MGF58619 | SWO |
| Elite BE | MGF59219 | SWO |
| Elite LL | MGF59319 | SWO |
InvestmentPlus 75/75 (Elite)
| FE | — | — |
|---|---|---|
| BE | — | — |
| LL | — | — |
| F-Class | — | — |
| NLCB4 | — | — |
| NLCB2 | — | — |
| Elite FE | MGF8619 | ADO |
| Elite BE | MGF9219 | SWO |
| Elite LL | MGF9319 | SWO |
EstatePlus(F-Class)
| FE | — | — |
|---|---|---|
| BE | — | — |
| LL | — | — |
| F-Class | MGF6219 | SWO |
| NLCB4 | — | — |
| NLCB2 | — | — |
| Elite FE | — | — |
| Elite BE | — | — |
| Elite LL | — | — |
EstatePlus(Front-end, Back-end, Low-load, No-load with CB)
| FE | MGF8819 | SWO |
|---|---|---|
| BE | MGF8919 | SWO |
| LL | MGF9019 | SWO |
| F-Class | — | — |
| NLCB4 | — | — |
| NLCB2 | — | — |
| Elite FE | — | — |
| Elite BE | — | — |
| Elite LL | — | — |
IncomePlus v2.0(F-Class)
| FE | — | — |
|---|---|---|
| BE | — | — |
| LL | — | — |
| F-Class | MGF6119 | SWO |
| NLCB4 | — | — |
| NLCB2 | — | — |
| Elite FE | — | — |
| Elite BE | — | — |
| Elite LL | — | — |
IncomePlus v2.0(Front-end, Back-end, Low-load, No-load with CB)
| FE | MGF8319 | SWO |
|---|---|---|
| BE | MGF8419 | SWO |
| LL | MGF8519 | SWO |
| F-Class | — | — |
| NLCB4 | — | — |
| NLCB2 | — | — |
| Elite FE | — | — |
| Elite BE | — | — |
| Elite LL | — | — |
IncomePlus v2.1
| FE | MGF6719 | SWO |
|---|---|---|
| BE | MGF6819 | SWO |
| LL | MGF6919 | SWO |
| F-Class | — | — |
| NLCB4 | — | — |
| NLCB2 | — | — |
| Elite FE | — | — |
| Elite BE | — | — |
| Elite LL | — | — |
IncomePlus v2.1 (F-Class)
| FE | — | — |
|---|---|---|
| BE | — | — |
| LL | — | — |
| F-Class | MGF7319 | SWO |
| NLCB4 | — | — |
| NLCB2 | — | — |
| Elite FE | — | — |
| Elite BE | — | — |
| Elite LL | — | — |
IncomePlus v2.2
| FE | MGF1319 | SWO |
|---|---|---|
| BE | MGF2919 | SWO |
| LL | MGF7419 | SWO |
| F-Class | — | — |
| NLCB4 | — | — |
| NLCB2 | — | — |
| Elite FE | — | — |
| Elite BE | — | — |
| Elite LL | — | — |
IncomePlus v2.2 (F-Class)
| FE | — | — |
|---|---|---|
| BE | — | — |
| LL | — | — |
| F-Class | MGF7819 | SWO |
| NLCB4 | — | — |
| NLCB2 | — | — |
| Elite FE | — | — |
| Elite BE | — | — |
| Elite LL | — | — |
InvestmentPlus 75/100 (F-Class)
| FE | — | — |
|---|---|---|
| BE | — | — |
| LL | — | — |
| F-Class | MGF56019 | Open |
| NLCB4 | — | — |
| NLCB2 | — | — |
| Elite FE | — | — |
| Elite BE | — | — |
| Elite LL | — | — |
InvestmentPlus 75/100 (Front-end, Back-end, Low-load, No-load with CB)
| FE | MGF58019 | Open |
|---|---|---|
| BE | MGF58119 | SWO |
| LL | MGF58219 | SWO |
| F-Class | — | — |
| NLCB4 | MGF55019 | SWO |
| NLCB2 | MGF55619 | Open |
| Elite FE | — | — |
| Elite BE | — | — |
| Elite LL | — | — |
InvestmentPlus 75/75 (F-Class)
| FE | — | — |
|---|---|---|
| BE | — | — |
| LL | — | — |
| F-Class | MGF6019 | Open |
| NLCB4 | — | — |
| NLCB2 | — | — |
| Elite FE | — | — |
| Elite BE | — | — |
| Elite LL | — | — |
InvestmentPlus 75/75 (Front-end, Back-end, Low-load, No-load with CB) (selected)
| FE | MGF8019 | Open |
|---|---|---|
| BE | MGF8119 | SWO |
| LL | MGF8219 | SWO |
| F-Class | — | — |
| NLCB4 | MGF5019 | SWO |
| NLCB2 | MGF5619 | Open |
| Elite FE | — | — |
| Elite BE | — | — |
| Elite LL | — | — |
Performance ±
Growth Chart
Total return for this timeframe
Compound Returns (%)
EstatePlus(Elite)
| 1 month | -1.60 |
|---|---|
| 3 months | 4.18 |
| 6 months | 0.06 |
| YTD | 0.06 |
| 1 year | 7.18 |
| 3 years | 10.92 |
| 5 years | 6.32 |
| 10 years | 6.46 |
| Inception | 7.92 |
IncomePlus v2.0(Elite)
| 1 month | -1.60 |
|---|---|
| 3 months | 4.18 |
| 6 months | 0.06 |
| YTD | 0.06 |
| 1 year | 7.18 |
| 3 years | 10.92 |
| 5 years | 6.32 |
| 10 years | 6.46 |
| Inception | 7.92 |
IncomePlus v2.1 (Elite)
| 1 month | -1.60 |
|---|---|
| 3 months | 4.17 |
| 6 months | 0.04 |
| YTD | 0.04 |
| 1 year | 7.13 |
| 3 years | 10.87 |
| 5 years | 6.26 |
| 10 years | 6.41 |
| Inception | 7.50 |
IncomePlus v2.2 (Elite)
| 1 month | -1.59 |
|---|---|
| 3 months | 4.19 |
| 6 months | 0.09 |
| YTD | 0.09 |
| 1 year | 7.24 |
| 3 years | 10.98 |
| 5 years | 6.36 |
| 10 years | 6.49 |
| Inception | 7.52 |
InvestmentPlus 75/100 (Elite)
| 1 month | -1.66 |
|---|---|
| 3 months | 3.92 |
| 6 months | -0.42 |
| YTD | -0.42 |
| 1 year | 6.09 |
| 3 years | — |
| 5 years | — |
| 10 years | — |
| Inception | 5.26 |
InvestmentPlus 75/75 (Elite)
| 1 month | -1.60 |
|---|---|
| 3 months | 4.18 |
| 6 months | 0.06 |
| YTD | 0.06 |
| 1 year | 7.18 |
| 3 years | 10.92 |
| 5 years | 6.32 |
| 10 years | 6.46 |
| Inception | 7.92 |
EstatePlus(F-Class)
| 1 month | -1.58 |
|---|---|
| 3 months | 4.25 |
| 6 months | 0.19 |
| YTD | 0.19 |
| 1 year | 7.47 |
| 3 years | 11.24 |
| 5 years | 6.62 |
| 10 years | 6.76 |
| Inception | 7.45 |
EstatePlus(Front-end, Back-end, Low-load, No-load with CB)
| 1 month | -1.67 |
|---|---|
| 3 months | 3.97 |
| 6 months | -0.33 |
| YTD | -0.33 |
| 1 year | 6.33 |
| 3 years | 10.05 |
| 5 years | 5.48 |
| 10 years | 5.62 |
| Inception | 6.57 |
IncomePlus v2.0(F-Class)
| 1 month | -1.58 |
|---|---|
| 3 months | 4.25 |
| 6 months | 0.19 |
| YTD | 0.19 |
| 1 year | 7.47 |
| 3 years | 11.24 |
| 5 years | 6.62 |
| 10 years | 6.76 |
| Inception | 7.45 |
IncomePlus v2.0(Front-end, Back-end, Low-load, No-load with CB)
| 1 month | -1.67 |
|---|---|
| 3 months | 3.97 |
| 6 months | -0.33 |
| YTD | -0.33 |
| 1 year | 6.33 |
| 3 years | 10.05 |
| 5 years | 5.48 |
| 10 years | 5.62 |
| Inception | 6.57 |
IncomePlus v2.1
| 1 month | -1.67 |
|---|---|
| 3 months | 3.97 |
| 6 months | -0.33 |
| YTD | -0.33 |
| 1 year | 6.33 |
| 3 years | 10.05 |
| 5 years | 5.48 |
| 10 years | 5.62 |
| Inception | 6.68 |
IncomePlus v2.1 (F-Class)
| 1 month | -1.56 |
|---|---|
| 3 months | 4.30 |
| 6 months | 0.32 |
| YTD | 0.32 |
| 1 year | 7.74 |
| 3 years | 11.43 |
| 5 years | 6.78 |
| 10 years | 6.82 |
| Inception | 7.87 |
IncomePlus v2.2
| 1 month | -1.67 |
|---|---|
| 3 months | 3.98 |
| 6 months | -0.32 |
| YTD | -0.32 |
| 1 year | 6.35 |
| 3 years | 10.07 |
| 5 years | 5.50 |
| 10 years | 5.64 |
| Inception | 6.66 |
IncomePlus v2.2 (F-Class)
| 1 month | -1.58 |
|---|---|
| 3 months | 4.26 |
| 6 months | 0.25 |
| YTD | 0.25 |
| 1 year | 7.60 |
| 3 years | 11.31 |
| 5 years | 6.63 |
| 10 years | 6.77 |
| Inception | 7.81 |
InvestmentPlus 75/100 (F-Class)
| 1 month | -1.63 |
|---|---|
| 3 months | 4.29 |
| 6 months | 0.37 |
| YTD | 0.37 |
| 1 year | 8.17 |
| 3 years | — |
| 5 years | — |
| 10 years | — |
| Inception | 7.52 |
InvestmentPlus 75/100 (Front-end, Back-end, Low-load, No-load with CB)
| 1 month | -1.70 |
|---|---|
| 3 months | 3.89 |
| 6 months | -0.50 |
| YTD | -0.50 |
| 1 year | 5.97 |
| 3 years | — |
| 5 years | — |
| 10 years | — |
| Inception | 5.22 |
InvestmentPlus 75/75 (F-Class)
| 1 month | -1.58 |
|---|---|
| 3 months | 4.25 |
| 6 months | 0.19 |
| YTD | 0.19 |
| 1 year | 7.47 |
| 3 years | 11.24 |
| 5 years | 6.62 |
| 10 years | 6.76 |
| Inception | 7.45 |
InvestmentPlus 75/75 (Front-end, Back-end, Low-load, No-load with CB)
| 1 month | -1.67 |
|---|---|
| 3 months | 3.97 |
| 6 months | -0.33 |
| YTD | -0.33 |
| 1 year | 6.33 |
| 3 years | 10.05 |
| 5 years | 5.48 |
| 10 years | 5.62 |
| Inception | 6.57 |
Calendar Returns (%)
EstatePlus(Elite)
| 2009 | — |
|---|---|
| 2010 | — |
| 2011 | 1.74 |
| 2012 | 7.86 |
| 2013 | 16.19 |
| 2014 | 16.75 |
| 2015 | 0.30 |
| 2016 | 5.98 |
| 2017 | 10.86 |
| 2018 | -5.50 |
| 2019 | 14.08 |
| 2020 | 6.96 |
| 2021 | 13.66 |
| 2022 | -10.85 |
| 2023 | 8.97 |
| 2024 | 18.70 |
| 2025 | 10.03 |
IncomePlus v2.0(Elite)
| 2009 | — |
|---|---|
| 2010 | — |
| 2011 | 1.74 |
| 2012 | 7.86 |
| 2013 | 16.19 |
| 2014 | 16.75 |
| 2015 | 0.30 |
| 2016 | 5.98 |
| 2017 | 10.86 |
| 2018 | -5.50 |
| 2019 | 14.08 |
| 2020 | 6.96 |
| 2021 | 13.66 |
| 2022 | -10.85 |
| 2023 | 8.97 |
| 2024 | 18.70 |
| 2025 | 10.03 |
IncomePlus v2.1 (Elite)
| 2009 | — |
|---|---|
| 2010 | — |
| 2011 | — |
| 2012 | — |
| 2013 | 16.16 |
| 2014 | 16.78 |
| 2015 | 0.30 |
| 2016 | 5.98 |
| 2017 | 10.85 |
| 2018 | -5.53 |
| 2019 | 14.04 |
| 2020 | 6.92 |
| 2021 | 13.61 |
| 2022 | -10.92 |
| 2023 | 8.92 |
| 2024 | 18.64 |
| 2025 | 9.98 |
IncomePlus v2.2 (Elite)
| 2009 | — |
|---|---|
| 2010 | — |
| 2011 | — |
| 2012 | — |
| 2013 | — |
| 2014 | 16.76 |
| 2015 | 0.33 |
| 2016 | 6.02 |
| 2017 | 10.89 |
| 2018 | -5.47 |
| 2019 | 14.09 |
| 2020 | 6.96 |
| 2021 | 13.68 |
| 2022 | -10.82 |
| 2023 | 9.01 |
| 2024 | 18.75 |
| 2025 | 10.09 |
InvestmentPlus 75/100 (Elite)
| 2009 | — |
|---|---|
| 2010 | — |
| 2011 | — |
| 2012 | — |
| 2013 | — |
| 2014 | — |
| 2015 | — |
| 2016 | — |
| 2017 | — |
| 2018 | — |
| 2019 | — |
| 2020 | — |
| 2021 | — |
| 2022 | — |
| 2023 | — |
| 2024 | — |
| 2025 | 8.84 |
InvestmentPlus 75/75 (Elite)
| 2009 | — |
|---|---|
| 2010 | — |
| 2011 | 1.74 |
| 2012 | 7.86 |
| 2013 | 16.19 |
| 2014 | 16.75 |
| 2015 | 0.30 |
| 2016 | 5.98 |
| 2017 | 10.86 |
| 2018 | -5.50 |
| 2019 | 14.08 |
| 2020 | 6.96 |
| 2021 | 13.66 |
| 2022 | -10.85 |
| 2023 | 8.97 |
| 2024 | 18.70 |
| 2025 | 10.03 |
EstatePlus(F-Class)
| 2009 | — |
|---|---|
| 2010 | — |
| 2011 | 2.31 |
| 2012 | 8.13 |
| 2013 | 16.49 |
| 2014 | 17.04 |
| 2015 | 0.53 |
| 2016 | 6.23 |
| 2017 | 11.15 |
| 2018 | -5.24 |
| 2019 | 14.41 |
| 2020 | 7.27 |
| 2021 | 14.00 |
| 2022 | -10.59 |
| 2023 | 9.28 |
| 2024 | 19.05 |
| 2025 | 10.33 |
EstatePlus(Front-end, Back-end, Low-load, No-load with CB)
| 2009 | — |
|---|---|
| 2010 | 8.22 |
| 2011 | 0.94 |
| 2012 | 7.01 |
| 2013 | 15.29 |
| 2014 | 15.84 |
| 2015 | -0.49 |
| 2016 | 5.14 |
| 2017 | 9.99 |
| 2018 | -6.24 |
| 2019 | 13.18 |
| 2020 | 6.11 |
| 2021 | 12.77 |
| 2022 | -11.55 |
| 2023 | 8.12 |
| 2024 | 17.77 |
| 2025 | 9.16 |
IncomePlus v2.0(F-Class)
| 2009 | — |
|---|---|
| 2010 | — |
| 2011 | 2.31 |
| 2012 | 8.13 |
| 2013 | 16.49 |
| 2014 | 17.04 |
| 2015 | 0.53 |
| 2016 | 6.23 |
| 2017 | 11.15 |
| 2018 | -5.24 |
| 2019 | 14.41 |
| 2020 | 7.27 |
| 2021 | 14.00 |
| 2022 | -10.59 |
| 2023 | 9.28 |
| 2024 | 19.05 |
| 2025 | 10.33 |
IncomePlus v2.0(Front-end, Back-end, Low-load, No-load with CB)
| 2009 | — |
|---|---|
| 2010 | 8.22 |
| 2011 | 0.94 |
| 2012 | 7.01 |
| 2013 | 15.29 |
| 2014 | 15.84 |
| 2015 | -0.49 |
| 2016 | 5.14 |
| 2017 | 9.99 |
| 2018 | -6.24 |
| 2019 | 13.18 |
| 2020 | 6.11 |
| 2021 | 12.77 |
| 2022 | -11.55 |
| 2023 | 8.12 |
| 2024 | 17.77 |
| 2025 | 9.16 |
IncomePlus v2.1
| 2009 | — |
|---|---|
| 2010 | — |
| 2011 | — |
| 2012 | — |
| 2013 | 15.30 |
| 2014 | 15.84 |
| 2015 | -0.48 |
| 2016 | 5.15 |
| 2017 | 10.00 |
| 2018 | -6.24 |
| 2019 | 13.19 |
| 2020 | 6.12 |
| 2021 | 12.78 |
| 2022 | -11.55 |
| 2023 | 8.12 |
| 2024 | 17.77 |
| 2025 | 9.16 |
IncomePlus v2.1 (F-Class)
| 2009 | — |
|---|---|
| 2010 | — |
| 2011 | — |
| 2012 | — |
| 2013 | 16.64 |
| 2014 | 17.25 |
| 2015 | 0.46 |
| 2016 | 6.19 |
| 2017 | 11.09 |
| 2018 | -5.25 |
| 2019 | 14.37 |
| 2020 | 7.20 |
| 2021 | 14.14 |
| 2022 | -10.50 |
| 2023 | 9.37 |
| 2024 | 19.22 |
| 2025 | 10.55 |
IncomePlus v2.2
| 2009 | — |
|---|---|
| 2010 | — |
| 2011 | — |
| 2012 | — |
| 2013 | — |
| 2014 | 15.86 |
| 2015 | -0.47 |
| 2016 | 5.17 |
| 2017 | 10.01 |
| 2018 | -6.23 |
| 2019 | 13.20 |
| 2020 | 6.13 |
| 2021 | 12.79 |
| 2022 | -11.53 |
| 2023 | 8.14 |
| 2024 | 17.79 |
| 2025 | 9.19 |
IncomePlus v2.2 (F-Class)
| 2009 | — |
|---|---|
| 2010 | — |
| 2011 | — |
| 2012 | — |
| 2013 | — |
| 2014 | 17.15 |
| 2015 | 0.64 |
| 2016 | 6.33 |
| 2017 | 11.23 |
| 2018 | -5.15 |
| 2019 | 14.47 |
| 2020 | 7.11 |
| 2021 | 13.99 |
| 2022 | -10.70 |
| 2023 | 9.14 |
| 2024 | 19.09 |
| 2025 | 10.51 |
InvestmentPlus 75/100 (F-Class)
| 2009 | — |
|---|---|
| 2010 | — |
| 2011 | — |
| 2012 | — |
| 2013 | — |
| 2014 | — |
| 2015 | — |
| 2016 | — |
| 2017 | — |
| 2018 | — |
| 2019 | — |
| 2020 | — |
| 2021 | — |
| 2022 | — |
| 2023 | — |
| 2024 | — |
| 2025 | 11.38 |
InvestmentPlus 75/100 (Front-end, Back-end, Low-load, No-load with CB)
| 2009 | — |
|---|---|
| 2010 | — |
| 2011 | — |
| 2012 | — |
| 2013 | — |
| 2014 | — |
| 2015 | — |
| 2016 | — |
| 2017 | — |
| 2018 | — |
| 2019 | — |
| 2020 | — |
| 2021 | — |
| 2022 | — |
| 2023 | — |
| 2024 | — |
| 2025 | 8.82 |
InvestmentPlus 75/75 (F-Class)
| 2009 | — |
|---|---|
| 2010 | — |
| 2011 | 2.31 |
| 2012 | 8.13 |
| 2013 | 16.49 |
| 2014 | 17.04 |
| 2015 | 0.53 |
| 2016 | 6.23 |
| 2017 | 11.15 |
| 2018 | -5.24 |
| 2019 | 14.41 |
| 2020 | 7.27 |
| 2021 | 14.00 |
| 2022 | -10.59 |
| 2023 | 9.28 |
| 2024 | 19.05 |
| 2025 | 10.33 |
InvestmentPlus 75/75 (Front-end, Back-end, Low-load, No-load with CB)
| 2009 | — |
|---|---|
| 2010 | 8.22 |
| 2011 | 0.94 |
| 2012 | 7.01 |
| 2013 | 15.29 |
| 2014 | 15.84 |
| 2015 | -0.49 |
| 2016 | 5.14 |
| 2017 | 9.99 |
| 2018 | -6.24 |
| 2019 | 13.18 |
| 2020 | 6.11 |
| 2021 | 12.77 |
| 2022 | -11.55 |
| 2023 | 8.12 |
| 2024 | 17.77 |
| 2025 | 9.16 |
Portfolio Allocation as of April 30, 2026
Asset Allocation (%)
Asset Allocation pie chart. See following table for detailed information. The pie slices display the relative value of each table entry.
| Name | Weight % |
|---|---|
| Equities | 59.39 |
| Fixed income | 35.98 |
| Cash and equivalents | 4.80 |
Geographic Allocation (%)
Geographic Allocation pie chart. See following table for detailed information. The pie slices display the relative value of each table entry.
| Name | Weight % |
|---|---|
| Canada | 74.82 |
| United States | 16.77 |
| Ireland | 3.87 |
| Taiwan | 2.50 |
| Netherlands | 0.65 |
| France | 0.60 |
| United Kingdom | 0.46 |
| Bermuda | 0.27 |
| Australia | 0.06 |
Sector Allocation (%)
Sector Allocation pie chart. See following table for detailed information. The pie slices display the relative value of each table entry.
| Name | Weight % |
|---|---|
| Information tech. | 31.50 |
| Financials | 24.68 |
| Energy | 12.34 |
| Materials | 11.59 |
| Industrials | 7.69 |
| Communication serv. | 4.61 |
| Cons. discrectionary | 2.86 |
| Health care | 2.42 |
| Utilities | 1.80 |
| Consumer staples | 0.51 |
Fixed Income Allocation (%)
Top 10 Holdings (%)
| Name | Weight % |
|---|---|
| Constellation Software Inc. | 3.13 |
| Royal Bank of Canada | 2.80 |
| Taiwan Semiconductor Manufacturing Co. Ltd. Twse Listed Stocks | 2.51 |
| Accenture PLC Shs Class A | 2.39 |
| Toronto-Dominion Bank Com New | 2.04 |
| Open Text Corp. | 2.01 |
| Shopify Inc. Cl A Sub Vtg Shs | 1.82 |
| NVIDIA Corp. | 1.39 |
| Canadian Natural Resources Ltd. | 1.31 |
| Alphabet Inc. Cap Stk Cl C | 1.26 |