budgetsmartgirl

Archive for September, 2009|Monthly archive page

The Blog-Everyone’s Budget Minded

In Uncategorized on September 28, 2009 at 7:40 pm

Seems like both my to do and to read list are getting longer each day. Part of my dilemma is my e-mail in box is filling up with information about books on budget cooking and living. And not to mention people e-mailing me about sites that can help you save money. The good news is I’m checking them out and as I get to each one, if I think they’re worthwhile, I’m be telling you more about them. And even interviewing the authors who hopefully will share more tips with us.

I’m happy to say I’m working on The Budget Smart Girl Newsletter and hope to have that ready by the end of the week…just a few days late! I hope you’ll find it was worth the wait. As many of you have contacted me to say how much you enjoy the food related articles, this newsletter is food focused. There are some great recipes. I tested one of them this past weekend and happy to say only about ¼ cup of it remains in the fridge. There’s an article on putting together on a great but cheap Halloween bash. Yes, it’s almost that time of the year. Plus, lots of other good stuff.

Have a good week.

Sites for the Budget Minded

In Budget Smart Girl's Guide on September 24, 2009 at 7:24 pm

Sometimes this Budget Smart Girl has to go looking for budget related sites, sometimes links to such sites land in my e-mail inbox. Thought I’d share some of my latest finds with you.

It’s Just Like Eating Out
When you’re watching your pennies, one of the hardest things to give up is eating out. However, this site could be the next best thing. Okay, you have to do the cooking! www.topsecretrecipes.com/home.asp Todd Wilbur shares his recipes for dishes you find in some of the most popular restaurants. Some you have to pay for but lots are free.

Cheap Dinners
And speaking of food, I found this great site from the UK, www.cannedfood.co.uk/index.php. Now I know just how easy and inexpensive dinner can be if you use canned foods.

Cleaning and Cooking
I use vinegar to clean just about everything and yes, it’s great for cooking too. The folks at Heinz have a Web site with recipes and a coupon www.heinzvinegar.com

There’s Nothing To Watch
On Sunday evening my husband and I were watching The Emmys and we discovered that we hadn’t heard of 75% of the shows that were nominated. And why, we don’t get HBO. Seems like a whole bunch of great shows are on that cable network. If you’re like us and want to check out some of these Emmy nominated programs, visit www.sidereel.com. They also have shows from the regular networks like CBS so it’s a great chance to watch shows you missed.

Save on Gas
For most of us, winter means putting the bike away for the season, but there’s still some time for one last ride or even riding to work. Check out www.ridethecity.com which tells you about safe bike routes in your local area.

Get Some Exercise
If you’ve been reading the Budget Smart Girl from the beginning you know I keep saying taking a yoga class is on my to do list. I never get around to it, but thanks to this site, maybe I will. www.yogatoday.com

Charity Begins at Home
Did you know you can shop for a worthy cause without leaving your home these days? Visit www.shopgoodwill.com

Throw It Away
Seems like throwing stuff away or figuring out to dispose of something you no longer need is getting more challenging and more expensive. Check out this article for some ideas on how to recycle them instead www.greenamericatoday.org/pubs/caq/articles/21things.cfm

Free Financial Advice
And here’s a blog that has some tips but best of all, links to lots of other budget friendly sites…hey, where’s the Budget Smart Girl? www.pfadvice.com

Fall’s Best Buys for the Budget Cook

In Budget Smart Cook on September 24, 2009 at 6:22 pm

If there’s one thing I like about fall, it’s the great variety of new vegetables and fruits that appear in late September. Summer has its peaches, raspberries and cherries, but how can anyone not love vegetables like squash and root veggies like parsnips? These vegetables not only taste great, but are kind to the budget too. Here’s why a budget smart cook can use them in every day meals.

High in Fiber
If you remember my article about beans and grains, I said the average American doesn’t consume enough fiber. An easy and low cost way to fill up on fiber is to consume things like root vegetables. Fiber laden foods fill you up faster so you end up not eating so much while trimming your budget and waistline.

Make the Most of the Season
During fall, the produce section and farmer’s markets are overflowing with root vegetables and all types of squashes and pumpkins. And let’s not forget it’s apple season too. Just today I went shopping at my local co-op and could hardly believe the bargain I found. In fact, it was such a bargain I had to ask an assistant if the price was correct. A 3 pound bag of organic apples for just $2.49. I bought two bags. One bag is going to be used for apple crisp and baked apples. The other bag I’m planning to use for apple butter. Many years ago I used to go to a restaurant that would serve the best soups and you’d always get homemade bread and a container of apple butter to accompany it. Simple food, low cost, but delicious.

They Taste So Good
Even if you’re not a big veggie fan, there’s just something about a sweet potato or baked parsnip that can convince just about anyone that they’re not so bad. Try making homemade fries from sweet potatoes instead of regular ones. I slice them just like French fries, toss them in oil and then sprinkle on spices like curry powder, cumin and coriander and bake them for about 30 minutes in a 350-degree oven. You can also cut them into round slices just like potato chips. And one thing I’ve loved since childhood is roasted parsnips. I always cook them along with roasted potatoes at just about every holiday meal. Even people who thought they hated them go back for a second serving.

They Make Great Soups
One of the things I like about fall is a welcoming bowl of soup when I step inside after spending the day raking leaves. Just last week I’d purchased some squash from the farmer’s market and decided to give a new soup recipe a try. It was roasted squash and tomato soup with thyme. Delicious, low cost, and was so satisfying that accompanied by some bread it made a meal in itself.

Classic Roasted Vegetables
These days just about every cookbook has at least one recipe for roasted vegetables…potatoes, sweet potatoes, and carrots. They make wonderful side dishes for even the plainest and cheapest cuts of meat. And if you really want to make a budget meal, try them on their own with a sprinkling of cheese on top. One cheese I feel really compliments roasted veggies is feta. They’re sweet and caramelized, while the feta is tangy and salty.

No More Boring Mashed Potatoes
Not that I ever think mashed potatoes are boring, but we all like variety when it comes to mealtime. Try a combination of mashed white and sweet potatoes. Or even a combination of potatoes and parsnips. And how about putting some carrots in with the potatoes? If you have children who just refuse to eat their veggies, but love mashed potatoes, it’s a great way to hide just about any vegetable you can think of. You can combine leftover potatoes and veggies with shredded cheese, make them into patties, roll in breadcrumbs and lightly fry on each side until their golden brown. It’s a quick supper and is also a great way to use leftover root vegetables.

Don’t Throw Away Those Peels
Keep the peels from root vegetables because they make ideal stock. However, be careful not to use too much of the peel from parsnips because you can end up with a really sweet tasting stock. And I avoid any root vegetable peeling that’s covered in wax…that doesn’t make for a great tasting stock.

The Blog-Free Museum Admission

In The Blog on September 21, 2009 at 7:47 pm

Here are two items of interest that hit my e-mail in box during the past week. Thought I’d pass them along to you.

On Saturday September 26th you can free admission to certain museums in your local area thanks to the Smithsonian Museum Day. To download your free ticket and find a list of participating museums visit http://microsite.smithsonianmag.com/museumday/admission.html

And if you’re a Budget Smart parent, Balloon Time is holding their 3rd annual ‘Put a Face on Fun’ contest where children ages 3-11 years can win a $1,500 scholarship and a professional photo shoot. www.putafaceonfun.com

This week on Budget Smart Girl-The best of fall foods and some interesting Web sites. Next week the Budget Smart Girl Newsletter is back.

Have a good week.

Quick and Easy Meals

In Budget Smart Cook on September 17, 2009 at 4:57 pm

I don’t know about you but some weeks I have meals all planned out and something comes up. Next thing I know, I’m rushing around trying to put dinner on the table. The simple solution is just to head out to the nearest restaurant but when you’re watching your budget, quick and easy stand by meals are the answer.
Here are some of my favorites-

Stir Fry
One of my favorite dishes to make when I just need to get in and out of the kitchen as fast as I can is a stir fry. If I know I have a busy week coming up, I’ll often put together a bag of stir-fry veggies and have them standing by in the fridge. Here’s one of the recipes I use-
You can just eat this as is or you can add leftover chicken that you chop into bite size pieces or even shrimp. I like to serve it with the instant brown rice by Minute Rice. This serves four.

For the marinade-
1/3 cup soy sauce, sodium reduced if you’re watching your salt intake.
1 tablespoon light sesame oil
2 teaspoons finely minced ginger root
2 tablespoons honey
Mix everything together.

For the vegetables- Two tablespoons oil
2 cups broccoli
1 cup sliced carrots
1 cup sliced mushrooms
1 cup sliced onions
Optional, cashews, baby corn and water chestnuts, sliced

Add all the vegetables in a bowl and mix, add the marinade, coat all the vegetables and put in the fridge for at least an hour before preparing.
Heat about two tablespoons oil in a skillet or wok. Add the vegetables and stir fry until they’re tender but still have some bite left to them. Keep stirring them because the honey in the marinade has a tendency to make them stick to the skillet. If you’re using cooked chicken or shrimp, add them now and make sure they also get coated with the marinade.

Pasta
Pasta is one of my favorite stand-by meals. I have some combinations I always use such as linguine with leftover chicken, Alfredo sauce, and maybe even some sauté mushrooms. Another great combination is penne, spicy red pepper sauce and Italian sausage. I often use ready-made sauces by Classico; they have a sun-dried tomato Alfredo sauce that works well with a variety of dishes, including lasagna. Be sure to check out their Web site for lots of recipe ideas. www.classico.com/

Pasta Salad
And then there are dishes you can make with leftover pasta. Take any cooked pasta and toss it with chopped tomatoes, fresh shredded basil, and cubes of mozzarella cheese, chopped olives and add a little olive oil and balsamic vinegar to taste.

Pizza
I always keep at least one frozen pizza in the freezer as my go to emergency supper. I also keep a few packages of pizza dough mix in the pantry. That can easily become a homemade pizza with tomato sauce, shredded cheese, canned sliced mushrooms, frozen chopped green pepper and chopped olives.

Baked Potatoes
I used to think you only served baked potatoes for supper when you had lots of time, but thanks to the microwave, they’re now an easy meal. In fact, you can add the same ingredients you would to pasta…chicken, mushrooms, Alfredo sauce etc. And I’ve even tried coleslaw and shredded cheese, which believe it or not also makes a great sandwich combo.

Quesadilla
These are another favorite stand-by of mine. To make them a hearty meal, I just add cheese and serve them with chili.

Sandwich/Soup Combo
And for the quickest meal of all, I always rely on soup I have stored in the freezer and a sandwich using whatever’s sitting in the fridge at the time.

Cheap Foods that are Good for You

In Budget Smart Cook on September 17, 2009 at 4:16 pm

Do you keep seeing articles about ‘superfoods’? Foods that pack a nutritional punch and are recommended in our daily diet. Most people think good for you foods cost more. Surveys have shown that during the recent recession most of us have been opting for price over nutrition. But if you take a look at the list of superfoods, you’ll see most of them are inexpensive. Here is the list and how you can use them in every day cooking.

Beans
When it comes to nutrition and value for money, beans get an A+. They’re high in B Vitamins and fiber, and all for just pennies a serving. They’re also easy to add to every day dishes. Plus, with so much variety, you’ll never get bored. Try adding them to soups and stews and using less meat. Also, you can make bean burritos, tacos, and even bean dips.

Blueberries
With all the positive press about blueberries, it’s hard to overlook that these little berries contain more disease fighting antioxidants than most other foods. And they’re not hard to dislike. You can freeze them and eat them frozen as a snack, add them to your morning cereal, blend them into a smoothie, or even add them to your muffins, pancakes and waffles.

Broccoli
It’s great for your immune system and supports cardiovascular health. Some people can tolerate eating it raw by combining it with a dip. But if that’s a bit too much for you, you can use chopped broccoli in casseroles and soups and not even realize it’s in there.

Oats
Oats are low in fat and an excellent source of fiber. If a bowl of oatmeal doesn’t appeal to you, try adding oatmeal instead of breadcrumbs next time you make a meatloaf, or use it as a topping along with nuts for fruit desserts. I usually buy mine in either the bulk bins or opt for the store brand canisters.

Oranges
We all know oranges are packed with vitamin C that helps boost our immune system. If you’re thinking orange juice is a good way to get your daily requirement, try eating an orange instead. Eating a whole orange lowers the cost, you’ll be consuming fewer calories and carbs, and you’ll be getting some fiber too.

Pumpkin
It seems it’s not just for Thanksgiving. It’s said to lower our risk of lung, colon and breast cancer. And apart from the usual pumpkin pie, you can add it to soups, make brownies with it, and even add it to rice pudding.

Salmon
This Superfood is the most expensive one of the bunch. If your budget can’t stretch to fresh salmon, maybe eat it just once a month and for the rest of the time try the canned variety. Salmon can be used in place of tuna, added to sandwiches, and a great way to use leftover mashed potatoes is to make salmon fishcakes.

Soy
Soy has certainly been in the news lately, which isn’t too surprising with all the health claims it’s been generating. Just about every supermarket sells soy products now. From veggie/soy burgers and soy milk, you can buy edamame…soybeans themselves, and yes, if you don’t mind it, there’s also tofu which is a bargain. I often make pot pies using tofu but not just plain tofu. I’ve found this trick. A day or two before I want to make the potpie, I drain and chop the tofu into bite size pieces. I add them to a plastic bag and add soy sauce, sesame seed oil, a generous sprinkling of sesame seeds, some black pepper, chopped garlic and a dash of Worcestershire sauce. I seal the bag and let the tofu marinade in the fridge for a day or two. While I’m making the pastry for the pot pie I add the contents of the bag to a baking pan and cook the tofu for about 20 minutes at 400 degrees. The key is to keep turning it, making sure all sides get browned and almost crisp. This marinade gives it a great taste and the oven seems to dry it out making it seem more like ‘meat’. Once it’s cooked I add vegetables and some stock and top it with the pastry. The only comments I’ve received about it was how good it tasted.

Spinach
It seems Popeye was ahead of his time. I know most people pull a face when you mention spinach, but if you add it to dishes with lots of other ingredients, you’ll hardly notice it’s there. And as it’s full of iron, calcium, folic acid and Vitamin K, definitely don’t overlook it. I sometimes add just a little to minestrone soup, I make pesto with fresh spinach, and often make a spinach and mushroom frittata.

Tomatoes
I probably don’t have to give you any suggestions on how you can add tomatoes to your every day foods. However, just don’t think tomatoes, there are also tomato based sauces and soups too.

Walnuts
I always use toasted walnuts for recipes like fruit cobblers, crumbles, and when I make homemade pesto sauce. You can also add them to muffins, or sprinkle toasted ones on your salad. These can also be found in the bulk bin section at the supermarket.

The Blog-The Library Has It All

In The Blog on September 14, 2009 at 7:42 pm

I’m back to my regular reading schedule so last week I stopped by the library. You know it’s one of my favorite spots not only for books and DVDs, but if your library is anything like my local one, it has classes and resources that show you how to save money.

I picked up the fall events and classes brochure and found a ton of good stuff. Lots of libraries in the area are offering free gardening classes and best of all some now have free courses called Money Matters, everything from couponing 101 to getting by in tough times. Another thing I discovered from the brochure was that beginning October 3rd you can borrow something called a Power Check meter which helps you identify high energy appliances. You check them out just like books and they come complete with a home energy assessment worksheet.

Seems like more manufacturers are offering coupons for their products…which is great news for us. I’m even finding more inside packages of things like pizzas. Some are even printed on the inside of the box, so be sure to check before you toss it out. Here’s some I found on line
www.tryv8.com
www.healthychoice.com/news-special-offers/
www.dannonomics.com
www.kashi.com, click on free cereal

I ‘cashed’ in some points I’d earned through our local recycling program. One was a dollar coupon for cream cheese. I know that always goes on sale close to the holidays so I’m guessing with the coupon it will probably be free. I also got a coupon for a free bottle of Seventh Generation dishwashing liquid. I usually buy it when it’s on sale and it’s one of the best cleaners around. I also cashed in points for $5 off a gourmet pizza for a new franchise that opened in the area.

This week on Budget Smart Girl-Cheap foods that are good for you and ideas for quick and easy meals.

Have a good week.

September is National Coupon Month

In Budget Smart Girl's Guide on September 11, 2009 at 4:21 pm

September is National Coupon Month so what better time to use these little slips of paper to help stretch your food dollar. Here are some ideas and hints on finding coupons, and how to use them for maximum benefit.

Newspapers and Magazines
I get about 50% of my coupons from the Sunday newspaper. If you’re looking for coupons for food items, it can’t be beat. Magazines, especially women’s magazines, are another good source. And if you want to buy items like natural and organic foods, try picking up a copy of Delicious Living. My local co-op has free copies at the information desk and every issue has at least two coupons I can use. The best part is they often have a face value of $1, which is great news when it’s double coupon day at my local supermarket.

And Speaking of…Your local supermarket is also a good source of coupons. Look out for those little red machines that are attached to the shelves along each aisle. They usually have a flashing red light so you can’t miss them. And if your store has a double coupon day, these can be a goldmine. And don’t forget lots of stores produce their own coupons. If you don’t receive a newspaper containing a flyer, make sure you check the one at the store before you head down the aisles.

New to the Stores
If you see a product that’s brand new, there’s a good chance the company who makes it will be giving away free coupons and samples to introduce it. Check their Web site.

Just How Much am I Saving?
I’m guessing these days people who never shopped with coupons don’t read the newspaper without keeping a pair of scissors by their side. If you’re still not convinced just how much you can save think about this. If it’s only $10 a month, that’s $120 a year…money that could be pay another bill or even money you could add to a mortgage payment. Believe me; using coupons isn’t a waste of time.

Coupon Swap Groups
If you really need more coupons and have no way of finding them, why not start a coupon-swapping group. You could put a notice up at day care centers, the supermarket notice board, or even the local coffee shop. Get a group of people together and meet once a month to swap coupons. Let others know what you’re looking for, and even swap money saving tips and recipes.

Straight to the Source
Before I head to a store, I not only check their flyer, but their Web site too. Sometimes that has special coupons that are only available online.

Hot Coupon World
If you haven’t already visited www.hotcouponworld.com Do it today and sign up for their newsletter that arrives in your e-mail box twice a week alerting you to deals and links to lots of great coupons. These days I find at least 50% of my coupons through this site.

All You
You might remember me telling you that during a recent trip to Walmart I bought a copy of a magazine called All You. It’s not only a great read but a goldmine for coupon hunters like myself. www.allyou.com
And speaking of Hot Coupon World, one of the links this week was to Amazon.com. Currently they’re offering a two year subscription to All You for $29 (after cart coupon).

Flattery Gets You…coupons
We all like to receive a pat on the back from time to time. And being nice to companies and manufacturers can sometimes reap you rewards in the form of coupons. If you’re pleased with a product, let the company know. And check if they have a loyalty program or newsletter so you can receive e-mail alerts about specials and coupons.

And Remember…
Don’t let your coupons just sit there. At the beginning of each month, pull out the ones that expire in the next 30 days and work out your week’s menu with the coupon items in mind.

Soup, a Great Budget Meal

In Budget Smart Cook on September 11, 2009 at 3:30 pm

I can’t think of a better comfort food than a bowl of homemade soup. Whether you’ve been raking leaves or feeling under the weather, there’s nothing quite like a hearty soup waiting for you on the kitchen table. But most of all, I love soup because it’s one of the best bargains out there.

Ingredients are Inexpensive and Plentiful
Eat with the seasons and most of the ingredients that go to make soup are usually not that expensive…vegetables and cheaper cuts of meat that tenderize during this slow cooking process.

Fiber Feels You Up
Thicker soups like split pea or lentil contain lots of fiber that fill you up quickly. Sometimes they don’t even need meat or chicken added to them to make a hearty meal. Fiber also keeps away the hunger pains and the urge to snack.

Just Like a Gourmet Meal
Soups containing dairy products add a satisfying richness that tricks us into thinking we’ve eaten an elaborate meal.

A Meal In Itself
Serve a soup containing a protein and some vegetables, add some great crusty bread, and you’ve got yourself one of the least expensive meals you can put together.

Make Now, Enjoy Later
Soup is also a great item to make in large batches and freeze. Sometime this month I’m going to make double batches of curried cream of vegetable and baked potato soups. Half will be used for lunchtime meals, the other half, stored in the freezer for fall and winter eating.

It’s Better The Next Day Anyway
And never be worried about leftover soup. In fact, ask any top chef and he or she will tell you that all soups should ideally be eaten the day after they’re made. There’s a local restaurant where I live that proudly states on its menu that all soups were made the previous day.

Leftover Veggies
If you have leftover vegetables you’re not quite sure what to do with, make some soup.

Make Your Own Stock
And if you’re thinking about making a stock for the soup, try saving up all your veggie peelings, and boiling them together. Some people also sauté the scraps and add the water after. It does give you a more flavorful stock, but if you’re watching your fat intake, the boiling method works just as well. You can either use the stock straight away or freeze it. You can also make soup from leftover meat bones and don’t forget to add ham bones to soups like navy bean and split pea. Some supermarkets sell them for less than a dollar; some will even give them to you for free.

Tips I’ve Learned Along the Way
Here are couple of tips I’ve picked up over the years to keep some of the fat content down while still get a really rich soup. Always cook the vegetables in the right order, sauté the onions first, then the root vegetables, then the ones that tend to cook quickly like zucchini. If you find you have to add more oil when you sauté the veggies, try adding some water or even stock. To get a creamy soup without adding cream, take out some of the soup, put it in a blender and then add it back to the pot. If a recipe calls for cream or half and half, I use about only 25% of the amount the recipe calls for and make up the difference with low fat milk.

Two Soup Recipes
Here’s a soup I usually make when corn is still cheap and abundant. You can freeze it but the contents seem to separate out so I recommend passing on the freezing and enjoying it the week you make it.

Spanish Corn Chowder
(Serves 6)
Ingredients
I cup chopped onions
3 tablespoons oil
1/8 teaspoon red pepper flakes
1 ½ cup chopped tomatoes
2 cups chopped potatoes
1 chopped green or red pepper
2 cups water
2 ½ cups corn, fresh, (frozen or canned work too)
1 cup milk
½ cup grated cheese

Preparation

1.In a medium size saucepan, heat oil, add onions and cook until translucent, add potatoes, and then green/red pepper. Add water and simmer until potatoes are tender.
2.Stir in corn and tomatoes.
3.Stir in milk being careful not to overheat the mixture.
4.Stir in cheese until it’s melted.

And as there’s a hint of fall in the air…yes, the leaves are already turning where I live, pumpkin season must be arriving soon. Here’s a recipe from The Spice Hunter. They also have a recipe for pumpkin spread I’ll be testing and I’ll share the recipe and a photo with you in this month’s newsletter.

Pumpkin Soup

Ingredients

1/4 cup (1/2 stick) butter or margarine
1 small onion, chopped
1 clove garlic, finely chopped
1 can (14 1/2 fl. oz.) chicken broth
1/2 cup water
1/2 tsp salt
1-15 oz. can Pumpkin
1 1/2 cups half-and-half
1/2 tsp Spice Hunter Pumpkin Pie Spice
cayenne to taste

Preparation
Melt butter in large saucepan over medium heat. Add onion and garlic, cook for 1 to 2 minutes or until soft. Add broth, water, salt and pepper; bring to a boil, stirring occasionally. Reduce heat to low; cook, stirring occasionally, for 15 minutes. Stir in pumpkin, half-and-half and spices. Cook, stirring occasionally, for 5 minutes. Remove from heat.

Transfer mixture to food processor or blender (in batches, if necessary); process until smooth. Return to the saucepan. Serve warm.

The Blog-Saving Energy…save some money

In The Blog on September 8, 2009 at 1:07 pm

Tucked in with our water bill this month was a newsletter called Environmental Times. The local city puts together two page newsletter telling us about upcoming events and changes. I don’t know if this is a new law that goes into effect everywhere but starting January 1st, 2010, you can no longer put your leaves and yard waste in regular garbage bags. Seems you have to buy special paper ones or compostable ones. I’m guessing as everyone has to buy them the prices are going to shoot up. As we back onto a heavily wooded area we usually clean up at least 100 bags of leaves during fall and the following spring. My first thought was even the cost of cleaning up the yard’s going to increase. But now I’m thinking it might be a good idea to invest in some recycling bins and even organizer bins for the yard waste…less bagging too. An upfront investment that will probably pay for itself in the first year.

And in this same newsletter, if you replace older faucets, toilets, washing machine with ones that use less water…yes, you not only save money, but you can get rebates too. Check out www.epa.gov/watersense/ Check out the dollar logo on the bottom of the page where it says ‘rebate finder’. If you’re in the market for a new appliance this might be a good time to make the switch and get some money back.

This week on Budget Smart Girl-September is Coupon Month and now’s a good time to be making a budget friendly meal…soup.

Have a good week.

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