![\"\"](\"https:\/\/manueldelia.com\/wp-content\/uploads\/2021\/08\/Slide23.jpeg\")
<\/p>\n<\/p>\n
Tal-FIAU g\u0127adhom kemm wa\u0127\u0127lu multa rekord ta’ ftit anqas minn \u20ac5 miljuni lil Pilatus Bank plc<\/a> talli dan il-Bank intu\u017ca biex ja\u0127sel flus ma\u0127mu\u0121in u b\u0127ala g\u0127odda g\u0127all-iffinanzjar tat-terrori\u017cmu.<\/a><\/p>\n Ippermettuli li nag\u0127mel l-osservazzjonijiet li \u0121ejjin.<\/p>\n 1. Damu 3 snin s\u0127a\u0127 biex jikkonfermaw dak li kien minn ewl id-dinja mill-bidu nett<\/strong><\/p>\n Il-multa li we\u0127el il-Bank kienet frott ta’ de\u010bi\u017cjoni li ttie\u0127det wara li fl-2018 kienet saret \u201cextensive compliance review<\/em>\u201d. Ji\u0121ifieri 3 snin ilu. G\u0127alkemm il-multa hi wa\u0127da rekord, il-li\u0121ijiet li \u0121ew applikati m’humiex \u0121odda. Id-de\u010bi\u017cjoni hi msejsa fuq numru ta’ li\u0121ijiet li ilhom fis-se\u0127\u0127 mill-2008, kif emendati fl-2015, ji\u0121ifieri minn tliet snin qabel saret ir-review.<\/em> G\u0127alkemm m’g\u0127andi ebda dubju li kellu jsir \u0127afna xog\u0127ol, il-fatt jibqa’ li g\u0127alkemm mill-Pilatus Bank g\u0127addew somom enormi ta’ flus, dan il-Bank kellu biss numru \u017cg\u0127ir ta’ kontijiet.\u00a0 \u00a0 Mhux a\u010b\u010bettabbli li damu 3 snin s\u0127a\u0127 biex jikkonkludu. X’aktarx li tal-FIAU g\u0127ad jo\u0127or\u0121u b’xi spjegazzjoni g\u0127al dan. I\u017cda kemm jekk ir-ra\u0121uni kienet min\u0127abba nuqqas ta’ ri\u017corsi umani, kemm jekk g\u0127aliex Peter Grech u Silvio Valletta damu biex warrbu qabel inbdew investigazzjonijiet bis-serjet\u00e0, jew kienet x’kienet ir-ra\u0121uni, l-konklu\u017cjoni li n\u0121ibdet \u010bertament m’hix ser tifdina f’g\u0127ajnejn id-dinja finanzjarja. Tikkonferma biss li kien \u0127aqqna li ninxte\u0127tu fil-Lista l-Gri\u017ca mill-FATF. G\u0127aliex lil Ali Sadr konna tajnie\u0127 li\u010benzja biex i\u0127addem il-Pilatus Bank f’radda ta’salib. I\u017cda domna 3 snin s\u0127a\u0127 biex nidde\u010biedu x’kien je\u0127tie\u0121 li jsir wara li l-Awtorit\u00e0 Bankarja Ewropea ordnat l-g\u0127eluq tieg\u0127u.<\/p>\n Id-de\u010bi\u017cjoni li ttie\u0127det tista’ ti\u0121i appellata quddiem il-Qorti u g\u0127aldaqstant din m’hix wa\u0127da definittiva.<\/p>\n 2. Daphne kellha ra\u0121un<\/strong><\/p>\n M’g\u0127andniex xi ng\u0127idu, Daphne Caruana Galizia kellha ra\u0121un. Li kieku ma kienux g\u0127all-investigazzjonijiet \u0121urnalisti\u010bi li g\u0127amlet, tal-Pilatus Bank kienu jibqg\u0127u g\u0127addejjin ja\u0127slu l-flus g\u0127all-kriminali b’impunit\u00e0 s\u0127i\u0127a. Wara li kienet xandret l-istejjer tag\u0127ha dwar il-Pilatus Bank, l-awtoritajiet kienu injorawha u l-Partit Laburista u l-qaddejja tieg\u0127u g\u0127amlu minn kollox biex jiddie\u0127ku biha u jiskreditawha.<\/p>\n Fir-ritratt t’hawn fuq tistg\u0127u tilm\u0127u partitarji Laburisti ji\u010b\u010belebraw fuq it-tara\u0121 tal-bini fejn kien hemm il-Pilatus Bank l-g\u0127ada tal-elezzjoni \u0121enerali tal-2017. Ma nistax na\u0127lef, imma li kieku kelli nag\u0127mel im\u0127atra m’g\u0127andix dubju li kull wie\u0127ed minn dawn il-persuni ser jer\u0121g\u0127u jivvutaw Labour fl-elezzjoni li \u0121ejja. Huwa minnu li ma tistax titfa’ lil kul\u0127add f’keffa wa\u0127da, i\u017cda li huwa \u010bar hu li dawn in-nies ma jafux jiddistingwu bejn is-sewwa u dak li m’huwiex u tassew tixirqilhom il-kelma “\u0120a\u0127an”.<\/p>\n 3. Il-whistle-blower<\/em> g\u0127ad hemm il-\u0127tie\u0121a tag\u0127ha\u00a0<\/strong><\/p>\n Impjegata tal-Pilatus Bank li kienet tke\u010b\u010biet g\u0127aliex uriet li ma kienitx lesta li tkun kompli\u010bi mal-illegalitajiet li issa \u0121ew rikonoxxuti mill-FIAU, qed ti\u0121i mfittxija mill-Pulizija Maltija fuq akku\u017ci foloz li kienu saru kontriha mis-sid vendikattiv tal-Bank. Ix-xog\u0127ol investigattiv li kienet wettqet Daphne Caruana Galizia kien kura\u0121\u0121ju\u017c, pre\u010bi\u017c u definittiv. U hi stess kienet issostni li ma kienitx issib tarf li kienu ma kellhiex l-g\u0127ejjun tag\u0127ha biex ig\u0127inuha. Wa\u0127da minn dawn l-g\u0127ejjun kienet Maria Efimova. Lil dan pajji\u017cna din il-mara – li tant \u0121iet img\u0127ajjra u mka\u017cbra – tatu servizz kbir g\u0127aliex kien bis-sa\u0127\u0127a tag\u0127ha li nkixfet il-verit\u00e0 dwar il-Bank li fih hi kienet ta\u0127dem. U minkejja dan, sal-lum g\u0127ad hemm rapporti kriminali kontriha. Il-prosekutur Malti g\u0127andu minnufih jara li j\u010bedi l-kaw\u017ci li saru kontriha u l-Istat Malti g\u0127andu jirrigrazzjaha tas-servizz li tat.<\/p>\n 4. Il-multa m’hix il-kastig g\u0127ar-reati kriminali li twettqu\u00a0<\/strong><\/p>\n Is-somma ta’ \u20ac5 miljun – g\u0127alkemm wa\u0127da \u0121mielha – hi wa\u0127da simbolika. Il-multi amministrattivi ma jitwa\u0127\u0127lux biex ikun hemm il-kastig. Jitwa\u0127\u0127lu biex iservu ta’ deterrent g\u0127al min ikun qed imexxi negozju biex dawn ikollhom ja\u0127sbuha darbtejn qabel jag\u0127\u017clu li jiksru l-li\u0121ijiet. Il-multa li we\u0127lu tal-Pilatus Bank talli dawn \u0127aslu flejjes ma\u0127mu\u0121in inxebbag\u0127ha ma’ multa li je\u0127el qattiel talli jkun naqas li jnaddaf l-arma li biha jkun qatel.\u00a0 Tal-Pilatus Bank mhux biss \u0127aslu l-flus ma\u0127mu\u0121in. Il-Pilatus Bank twaqqaf apposta b\u0127ala organizzazzjoni mill-kriminali g\u0127all-kriminali biex ja\u0127sel il-flus.<\/p>\n Ta’ min isemmi li l-awtoritajiet Maltin g\u0127andhom lanqas biss bdew iroddu s-salib biex imexxu kontra r-reati kriminali li wettqu s-sidien, id-diretturi, l-impjegati u l-klijenti tal-Pilatus Bank. Mhux bi\u017c\u017cejjed li tal-Pilatus Bank je\u0127lu multa. Je\u0127tie\u0121 ukoll li ma ji\u0121ux injorati dawn ir-reati li twettqu. Jekk dawn ji\u0121u njorati, inkunu qiesna wa\u0127\u0127alna multa lil qattiel talli dan naqas li j\u0127allas il-kontijiet tieg\u0127u tad-dawl u l-ilma!<\/p>\n Ali Sadr u o\u0127rajn kienu jafu li f’idejhom kienu qed jir\u010bievu flus ma\u0127mu\u0121in u dawn il-flus kienu \u0121ew ippro\u010bessati biex “jitnaddfu”. U kien hemm min iddepo\u017cita dawn il-flus ma\u0127sulin.<\/p>\n L-inkjesta ma\u0121isterjali dwar ir-reati li twettqu fil-Pilatus Bank ilha lesta kwa\u017ci 9 xhur u, minkejja dan, il-Pulizija g\u0127ad ma kellhiex il-\u0127ila li tressaq persuna wa\u0127da li hi wa\u0127da fil-qorti. Din l-inkjesta swiet lill-pajji\u017c \u20ac7.5 miljun, i\u017cda s’issa l-istituzzjonijiet tal-Istat Malti m’g\u0127andhom assolutament xejn x’juru \u0127lief rapport sigriet li \u0127add g\u0127adu ma rah u li jidher li ma sar xejn dwaru.<\/p>\n Fil-bord tal-Pilatus Bank plc g\u0127ad hemm erba’ diretturi. X’sar minnhom it-Tork Mustafa Cetinel, l-Iranjan liebes il-maskra ta’ \u010bittadin tad-Dominika Hamidreza Ghanbari u l-Amerikani Robert Klingensmith u Luis Felipe Rivera? Kemm g\u0127ad irridu nistennew biex dawn il-\u0127allelin jg\u0127ebu mix-xena flimkien ma’ dak li kien i\u010b-Chairman tag\u0127hom Ali Sadr qabel nibdew inroddu s-salib u nibdew it-ta\u0127rikiet kriminali?<\/p>\n X’nambuhom il-li\u0121ijiet \u0121aladarba m’g\u0127andniex il-\u0127ila li ninfurzawhom?<\/p>\n 5. Il-multa x’aktarx ma tistax tin\u0121abar<\/strong><\/p>\n Dakinhar li Ali Sadr \u0127arrek lil Daphne Caruana Galizia talli din xandret stejjer li llum nafu li kienu veri u pre\u010bi\u017ci, lill-qorti ta’ Arizona talabha li tikkundannaha biex t\u0127allsu kumpens ta’ $40 miljun. Wara li l-Bank kien \u0121ie m\u0121ieg\u0127el jag\u0127laq u nbdiet ir-review tal-FIAU fl-2018, id-diretturi tal-Pilatus Bank kienu \u0127arrku g\u0127ad-danni lill-Malta Financial Services Authority<\/em> u talbu li jing\u0127atawlhom lura b’kemm jiswa’ \u0121id ta’ \u20ac80 miljun. Il-multa ta’ \u20ac5 miljun we\u0127ilha l-Bank u mhux dawk li kienu jmexxuh u g\u0127andha tit\u0127allas mill-Bank kemm il-darba dan jing\u0127ata a\u010b\u010bess g\u0127al dan il-\u0121id. Dan m’huwiex kastig fil-konfront ta’ Bank li llum huwa mag\u0127luq. Huwa biss spi\u017ca ma\u0127luqa mill-gvern.<\/p>\n G\u0127aldaqstant il-\u20ac5 miljun mhux ser jin\u0121abru u l-multa ma tistax ti\u0121i nfurzata.<\/p>\n Dan l-episodju isa\u0127\u0127a\u0127 l-argument favur it-te\u0127id ta\u2019 mi\u017curi legali biex ji\u0121u m\u0127arsa l-\u0121urnalisti minn kaw\u017ci SLAPP. S\u2019intendi, hemm il-kaw\u017ca fil-qorti tal-Arizona kontra Daphne Caruana Galizia, imma Ali Sadr wasal s\u2019hemm biss g\u0127ax kien jaf sewwa li xejn ma kien se jwaqqafha milli tkompli tikteb. Araw ftit x\u2019kont ktibt jien fl-24 ta\u2019 Ottubru 2017, tmint ijiem wara li nqatlet Daphne, fejn irrapportajt dwar l-attakk kontra organizzazzjonijiet ewlenin tal-a\u0127barijiet li kien sar mill-avukati tal-Pilatus Bank fejn dawn kienu \u0121ew mhedda b\u2019kaw\u017ci fl-Amerika li setg\u0127u jfaqqruhom<\/u> kemm il-darba dawn jibqg\u0127u ma ma j\u0127assrux l-istejjer dwar il-Pilatus Bank mill-arkivji tag\u0127hom. It-theddid kien ta l-frott. Fil-\u0121ranet wara l-qtil ta\u2019 Daphne, il-\u0121urnalisti Maltin, bir-ra\u0121un, twerwru . L-awtoritajiet Maltin g\u0127adhom sal-lum jirrifjutaw li jg\u0127addu li\u0121ijiet biex jipprote\u0121u lill-\u0121urnalisti \u00a0minn dan it-tip ta\u2019 theddid.<\/p>\n Tal-FIAU damu tliet snin biex jie\u0127du de\u010bi\u017cjoni dwar dak li di\u0121\u00e0 kienu jafu bih sa mill-2018. Kien ikun a\u0127jar li kieku g\u0127amlu l-kontijiet dwar g\u0127emilhom stess fl-2017. Je\u0127tie\u0121 niftakru li\u00a0 fl-2016, tal-FIAU di\u0121\u00e0 kellhom il-provi f’idejhom li bis-sa\u0127\u0127a tag\u0127hom illum wa\u0127\u0127lu l-multa ta\u2019 \u20ac5 miljun. Dak i\u017c-\u017cmien tal-FIAU kienu sabu \u201cnuqqasijiet serji\u201d fil-pro\u010beduri ta\u2019 kontra l-\u0127asil tal-flus tal-Pilatus Bank. I\u017cda \u0121ara’ li d-Direttur tal-FIAU ta’ dak i\u017c-\u017cmien Manfred Galdes kien kostrett li jwarrab min\u0127abba l-fatt li l-Pulizija kienet baqg\u0127et \u010bassa minkejja l-provi \u010bari ta’ ksur ta’ li\u0121i li kellha f’idejha. U mbag\u0127ad kellu jkun is-su\u010b\u010bessur tieg\u0127u, Kenneth Farrugia, li ta l-barka tieg\u0127u u ddikjara li ma kien sab ebda nuqqas min-na\u0127a tal-Pilatus Bank.<\/p>\n Je\u0127tie\u0121 wie\u0127ed jifhem li, kieku tal-FIAU t\u0127allew ikomplu bil-pressjoni inizjali li kienu qed jag\u0127mlu, l-awtoritajiet Maltin kienu j\u0121ieg\u0127lu lill-Bank li jag\u0127laq. Dan ma se\u0127\u0127x u issa akkwistajna l-fama ta’ pajji\u017c li ma jiddejjaq xejn li jg\u0127atti xtur il-kriminali. L-istess pajji\u017c li fih inqatlet \u0121urnalista. Id-de\u010bi\u017cjoni li \u0127a d-Direttur tal-FIAU hi wa\u0127da mir-ra\u0121unijiet ewlenin g\u0127aliex pajji\u017cna spi\u010b\u010ba fil-Lista l-Gri\u017ca. Il-pi\u017c biex ire\u0121\u0121a’ lura r-reputazzjoni tal-pajji\u017c g\u0127al dak li kien ftit tas-snin ilu jinsab fuq spallejh.<\/p>\n L-Awtorit\u00e0 Bankarja Ewropea kienet investigat l-im\u0121ieba tal-FIAU tal-2016 u meta lestiet l-investigazzjoni tag\u0127ha, \u201cnidiet djalogu\u201d mal-a\u0121enzija bil-g\u0127an li jsiru l-bidliet ne\u010bessarji. Il-bidliet jidher li da\u0127lu fis-se\u0127\u0127 i\u017cda \u0127add ma \u0121ie m\u0121ieg\u0127el jerfa’ r-responsabbilt\u00e0 g\u0127an-nuqqasijiet li kienu se\u0127\u0127ew fl-2016.<\/p>\n Staqsejt lil Kenneth Farrugia jekk i\u0127ossx li g\u0127andu jerfa’ responsabbilt\u00e0 personali. We\u0121ibni fin-negattiv u qalli li r-revi\u017cjoni tal-li\u0121ijiet tal-2018 \u201ckienet frott ta’ e\u017cami estensiv (li) da\u0127\u0127al metodolo\u0121ija totalment differenti minn dik li kienet u\u017cata mill-FIAU fl-investigazzjoni tal- awtorizzazzjoni tal-2016 u li din il-metodolo\u0121ija, flimkien mal-policies<\/em> u l-pro\u010beduri aktar dg\u0127ajfin li kellha l-FIAU fl-2016 u qabel, kien wassal biex l-FIAU g\u0127alqet il-ka\u017c fl-2016.\u201d<\/p>\n Po\u017cizzjoni tipika Maltija. \u0126add ma ja\u0127ti.<\/p>\n Jekk naqtg\u0127u barra dawk l-I\u0121\u0127na ji\u010b\u010belebraw fuq it-tara\u0121 tal-Pilatus Bank, Joseph Muscat m’g\u0127andux jibqa’ jing\u0127ata l-benefi\u010b\u010bju tad-dubju dwar Egrant. Il-konklu\u017cjoni ta’ Aaron Bugeja li ma nstabux provi fil-Pilatus Bank li Egrant hi ta\u2019 Michelle Muscat u li fil-kont ta’ din il-kumpannija kienu da\u0127lu \u0127lasijiet ille\u010bti mill-A\u017cerbaj\u0121an g\u0127andha tittie\u0127ed fil-kuntest tal-fatt li tal-FIAU ddikjaraw li fuq kull kont \u2013 nirrepeti, kull kont \u2013 tal-Bank ma kienux ittie\u0127du salvagwardji bankarji ba\u017ci\u010bi u bis-sa\u0127\u0127a t’hekk ma kienet saret ebda g\u0127assa biex ikun mag\u0127ruf minn fejn kienu \u0121ejjin il-flus u dwar jekk dawn kienux \u0127lasijiet ille\u010bti jew le. Il- Pilatus Bank kien twaqqaf b\u0127ala g\u0127odda g\u0127all-kriminali. Kien in\u0127oloq sabiex jg\u0127attilhom xturhom. Min hu f\u2019sensih u min hu onest ma jistax jasal biex jg\u0127id li Aaron Bugeja kien irnexxielu j\u0127oll kobba li t\u0127abblet apposta mill-Pilatus Bank biex jasal g\u0127all-konklu\u017cjoni li Michelle Muscat ma kinitx sidt l-Egrant.<\/p>\n Il-Pilatus Bank m’huwiex biss reat ekonomiku fil-qasam tal-privat. Kien ukoll pro\u0121ett politiku. Sayed Ali Sadr Hashemi Nejad kellu rabtiet intimi ma\u2019 Joseph Muscat u ma’ Keith Schembri: fl-2015 dawn kienu sa\u0127ansitra mistednin g\u0127at-tie\u0121 tieg\u0127u f\u2019Firenze. Minkejja l-\u0121ens Iranjan tieg\u0127u, dan ing\u0127ata li\u010benza bankarja Ewropea fi \u017cmien rekord. Il-\u0121ens tieg\u0127u kien in\u0127eba’ bil-g\u0127ajnuna ta\u2019 \u0127abib intimu ie\u0127or, Christian Kalin, li lil Ali Sadr kien g\u0127addielu aktar minn passaport wie\u0127ed tal-g\u017cira St Kitts & Nevis. Ali Sadr ma kellu l-ebda esperjenza fil-qasam bankarju u konvenjentement ma staqsewh ebda mistoqsija pertinenti dwar il-passat tieg\u0127u. Passat li jinkludi \u0127asil ta\u2019 flus b\u20199 \u010bifri \u0121ejjin minn investimenti Iranjani fil-Vene\u017cwela.<\/p>\n Bil-mod intelli\u0121enti imma qarrieq tieg\u0127u Edward Scicluna, dak i\u017c-\u017cmien Ministru tal-Finanzi responsabbli tal-li\u0121ijiet ta\u2019 kontra l-\u0127asil tal-flus, wara li Ali Sadr kien \u0121ie arrestat u mixli fl-Istati Uniti, fil-Parlament kien iddefenda lill-Pilatus Bank kif ukoll id-de\u010bi\u017cjoni tal-awtoritajiet li j\u0127alluh ikompli jopera. Jekk xejn aktar, din kienet de\u010bi\u017cjoni \u0127a\u017cina li swiet lill-pajji\u017c qares. Edward Scicluna llum huwa l-bankier ewlieni ta\u2019 Malta. Hu l-Gvernatur tal-Bank \u010aentrali. Hemm \u0127afna ra\u0121unijiet g\u0127aliex dan g\u0127andu jitwarrab b\u2019mod immedjat. Din hi ra\u0121uni o\u0127ra.<\/p>\n <\/p>\n","protected":false},"excerpt":{"rendered":" Tal-FIAU g\u0127adhom kemm wa\u0127\u0127lu multa rekord ta’ ftit anqas minn \u20ac5 miljuni lil Pilatus Bank plc talli dan il-Bank intu\u017ca biex ja\u0127sel flus ma\u0127mu\u0121in u b\u0127ala g\u0127odda g\u0127all-iffinanzjar tat-terrori\u017cmu. Ippermettuli li nag\u0127mel l-osservazzjonijiet li \u0121ejjin. 1. Damu 3 snin s\u0127a\u0127 biex jikkonfermaw dak li kien minn ewl id-dinja mill-bidu nett Il-multa li we\u0127el il-Bank kienet […]<\/p>\n","protected":false},"author":1,"featured_media":102781,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[54],"tags":[],"_links":{"self":[{"href":"https:\/\/manueldelia.com\/mt\/wp-json\/wp\/v2\/posts\/103021\/"}],"collection":[{"href":"https:\/\/manueldelia.com\/mt\/wp-json\/wp\/v2\/posts\/"}],"about":[{"href":"https:\/\/manueldelia.com\/mt\/wp-json\/wp\/v2\/types\/post\/"}],"author":[{"embeddable":true,"href":"https:\/\/manueldelia.com\/mt\/wp-json\/wp\/v2\/users\/1\/"}],"replies":[{"embeddable":true,"href":"https:\/\/manueldelia.com\/mt\/wp-json\/wp\/v2\/comments\/?post=103021"}],"version-history":[{"count":5,"href":"https:\/\/manueldelia.com\/mt\/wp-json\/wp\/v2\/posts\/103021\/revisions\/"}],"predecessor-version":[{"id":103044,"href":"https:\/\/manueldelia.com\/mt\/wp-json\/wp\/v2\/posts\/103021\/revisions\/103044\/"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/manueldelia.com\/mt\/wp-json\/wp\/v2\/media\/102781\/"}],"wp:attachment":[{"href":"https:\/\/manueldelia.com\/mt\/wp-json\/wp\/v2\/media\/?parent=103021"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/manueldelia.com\/mt\/wp-json\/wp\/v2\/categories\/?post=103021"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/manueldelia.com\/mt\/wp-json\/wp\/v2\/tags\/?post=103021"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}![\"\"](\"https:\/\/manueldelia.com\/wp-content\/uploads\/2021\/09\/88b3ec121f7efb03f693ee96477f9a2eeb2ce1c3-1604323299-7c922785-960x640-1.jpeg\")
<\/p>\n![\"\"](\"https:\/\/manueldelia.com\/wp-content\/uploads\/2021\/09\/E-IdH8GXEAUaUlr.jpeg\")
<\/p>\n![\"\"](\"https:\/\/manueldelia.com\/wp-content\/uploads\/2021\/09\/GettyImages-963716792-copy-1.jpg\")
<\/p>\n![\"\"](\"https:\/\/manueldelia.com\/wp-content\/uploads\/2021\/09\/628268298d0291fadc7086e4a170e739e5028802-1541482273-5be12721-620x348-1.jpg\")
<\/p>\n![\"\"](\"https:\/\/manueldelia.com\/wp-content\/uploads\/2021\/09\/ali-sadr-hasheminejad.jpg\")
<\/p>\n\n
\n
\n
\n
\n