Little Known Facts About Paul B Insurance.

Paul B Insurance Things To Know Before You Get This


You could have a $10 copay every time you see your key care physician or $30 every time you see an expert. Coinsurance is the portion of the expense that you're responsible for.





Paul B InsurancePaul B Insurance

The insurance coverage company pays the remainder. A lot of health and wellness plans are required to cover preventative treatment without any cost-sharing.





You can find a checklist of all the complimentary precautionary care services below. Some strategies that existed prior to 2010 that have actually not considerably altered-- called grandfathered strategies-- as well as short-term health insurance those that give insurance coverage for less than a year-- do not need to supply totally free preventive solutions.





Call your insurance provider and also ask. If that holds true, your medical professional will certainly give you a reference to the specialist you require. The expert might need the reference documents before seeing you in the workplace, so make certain all the documents is finished. Examine to see if the expert is in your insurance provider's network.





The Ultimate Guide To Paul B Insurance




You'll generally have to pay component of the costs for your medications. If it is a lasting drug, you might want to fill a 3-month prescription at once; it is normally less costly that way than obtaining monthly refills.





This list is called a formulary. You can find it online or call your insurance firm to make certain the medicines suggested by your physician are covered. If they aren't, speak with your doctor concerning comparable drugs you could take.





A (Lock A secured padlock) or means you have actually safely connected to the. gov internet site. Share sensitive information just on official, safe and secure internet sites.





Paul B InsurancePaul B Insurance

Your residence's framework is called your house. The general home protection limit will certainly cover the expenditures of fixing or replacing the structure of your dwelling. Insurance coverage for various other structures on your home - including sheds, barns, detached garages, - are generally covered at a degree equal to 10% of the dwelling insurance coverage limit.





Paul B Insurance for Beginners


e., boarders or occupants, are not typically safeguarded by your residence insurance policy, unless you have scheduled this kind of insurance coverage with your insurance firm. The personal building limitation is generally a percentage (e. g., 50%) of the house coverage limitation. Some insurers may use greater than 50%. You ought to examine to see to it the amount of insurance coverage for your personal effects is sufficient to cover the loss and if not, contact your insurance policy manufacturer to see about raising the limit.





If you have an interest in protection past what is covered under your residence insurance policy protection, you can check out numerous optional insurance coverage recommendations from your insurance policy manufacturer or business (see page 8 for a discussion of the personal home recommendation). Other home such as animals, car, airplane and also components are not covered under house insurance plan.





For instance, if your fridge has a 20-year life span and is 17 years of ages, if it were harmed, the business would not pay to replace the refrigerator but to pay for what a fridge with only 3 years of efficiency would certainly cost. A lot of home insurance plan cover the materials of your house on an actual cash money value basis.





Paul B InsurancePaul B Insurance

The costs will certainly be somewhat higher for this coverage; however, you may wish to consider this alternative. Substitute expense is the quantity of money it would take to change or reconstruct your house or repair work damages with products of comparable kind as well as high quality, without deducting for depreciation. Lots of insurance providers call for home owners to guarantee their residences for at the very least 80% of the replacement cost and also some might require 100%.





The Basic Principles Of Paul B Insurance


As an example, thinking (1) it would set you back $200,000 to replace your residence, (2) it is insured for $160,000 (80% of its replacement worth), (3) you do not have an insurance deductible on your plan and (4) a fire creates $40,000 worth of damages, then your insurer will pay $40,000 to repair the price of the claim at the replacement price under the plan.





In international countries that amount is a maximum of $1,750. To receive those maximum quantities, passengers need to provide receipts verifying the worth of the lost bags and their components. And some airline companies call for that the claim be submitted within 21 days. To make issue worse, DOT doesn't define when luggage is formally shed (as opposed to just "delayed").





Unanticipated scenarios take place, and also you desire to be covered simply in situation. Some credit history cards supply restricted protection, with annual limitations and restrictions for cancellations and interruptions (if they use cancellation/interruption protection whatsoever). Couple of credit score cards use protection for the most expensive traveling dangers: medical expenditures or emergency evacuations, which take a trip insurance coverage can cover.





 



Travel insurance policy expense is primarily based upon the price of the journey as well as the age of the traveler. A 35-year-old may expect a plan to add 3% to 5% to the price of a trip while a 60-year-old could pay around 10%, states Jonathan Harty, proprietor of a MA-based travel bureau.





Paul B Insurance - Truths


You can sometimes buy this as a standalone plan or as a rider on a detailed plan. This is the typical policy that individuals imagine when they think about journey insurance. The detailed plan usually covers delays, termination as a result of sickness or death, lost baggage and also some emergency situation medical expenses.





When scheduling a costly journey, explore insurance policy at the same time. Some plans need you acquire traveling insurance policy within a particular quantity of time after making your first journey repayment, such as within 10 to 30 days.





Taking view it place a trip ought to be an interesting experience. While cancellation and other troubles create stress and anxiety, you can take the economic concern out of it my sources by getting your trip guaranteed.





Vehicle insurance coverage is a need since vehicle drivers run the risk of causing hundreds of thousands of dollars in damages every time they drive.





Getting The Paul B Insurance To Work


Clinical settlement protection, required by some states, pays your clinical bills after a mishap, no matter mistake. Collision insurance coverage is an optional plan that spends for repairs to your look what i found car no matter mistake, according to The Hartford. Comprehensive insurance is one more optional plan that covers non-collision cases such as climate damages, burglary, or criminal damage.





Sign in with the other automobiles entailed and also see to it no one has injuries. Call 911 if anyone needs medical support. You should likewise call the regional authorities to make a mishap record. The insurer will review this report carefully when examining your case. Remember that cover all the details of the accident.




 

Not known Details About Thomas Insurance Advisors

An Unbiased View of Thomas Insurance Advisors


Your healthiness is what permits you to function, make money, and also delight in life. What if you were to develop a significant ailment or have an accident without being guaranteed? You might discover on your own unable to obtain therapy, or compelled to pay large medical costs. A research study published in the American Journal of Public Health showed nearly 67% of people really felt that their medical expenses were part of the reason for their bankruptcy.


That way, you can preserve your health and health to fulfill life's demands., you can subtract health and wellness plan premiums you pay out of pocket when you submit your tax return.


5% of your adjusted gross income. Several professionals say that life insurance policy need to be a central part of your economic plan. But how vital is it really? It relies on you. "The need forever insurance differs, as well as it transforms over time," clarified Stephen Caplan, CSLP, a financial advisor at Neponset Valley Financial Allies.


If they are accountable for sustaining a family, ensuring appropriate security is vital." If you're married with a family members when you pass away, what can life insurance policy do? It can replace lost income, aid pay debts, or pay for your kids's university education. If you're single, it can pay for funeral prices and also repay any debts you leave behind.




10 Simple Techniques For Thomas Insurance Advisors


Home Owners Insurance In Toccoa, GaAutomobile Insurance In Toccoa, Ga
You may need to complete a clinical exam, however some companies use no-exam life plans, which may be extra costly. Assume about superior financial obligations, funeral expenses, and also other opportunities.


" Unlike what lots of people assume, their home or car is not their biggest property. Rather, it is their capability to earn a revenue. Several experts do not guarantee the opportunity of a disability," said John Barnes, CFP and also owner of My Household Life Insurance Coverage. He took place to state: "A handicap happens much more usually than individuals think." The Social Safety Administration approximates that a special needs occurs in one in four 20-year-olds before they reach old age.


Still, Barnes alerts that worker's comp "does not cover off-the-job injuries or diseases like cancer cells, diabetic issues, several sclerosis, and even COVID-19." The good news is that impairment insurance coverage isn't likely to damage the bank; it can typically suit a lot of budget plans. "Typically, the premiums of handicap insurance policy price two cents for every buck you make," stated Barnes.




Insurance In Toccoa, GaAutomobile Insurance In Toccoa, Ga
" Insurance policy plays an essential but straightforward function: It replaces financial loss in the occasion of a catastrophe," claimed Caplan. Automobile, building, health and wellness, handicap, as well as life are the top kinds of insurance coverage that help you shield on your own and your properties. Talk with accredited agents to learn the finest ways to make these plans benefit you.




Excitement About Thomas Insurance Advisors




If something occurs outside your home that you might be accountable for however that your home or auto insurance will not cover you for, an umbrella policy would load that he has a good point space - Affordable Care Act (ACA) in Toccoa, GA (https://www.merchantcircle.com/blogs/thomas-insurance-advisors-toccoa-ga/2023/7/Thomas-Insurance-Advisors/2520499).




Automobile Insurance In Toccoa, GaInsurance In Toccoa, Ga

 

Not everyone requires this sort of insurance coverage, but it is offered and valuable to people that may be a lot more in danger for legal actions. There are a few various kinds, but the ones you have actually probably become aware of are term and entire life insurance policy. Term life insurance is just payable to recipients in the event of the fatality of the guaranteed during the term specified in the plan.


Entire life plans also reach a point where the insurance holder can squander a portion of the policy.


 

The Greatest Guide To Thomas Insurance Advisors


Duration: 6 minutes Find out about the different sorts of insurance to assist you consider what you might and might not need. Health insurance/Supplemental health and wellness insurance HSAs/Health Financial savings Accounts Impairment insurance Life insurance policy Lasting treatment insurance Estate planning


Different sorts of plans help you get and spend for treatment in different ways. A typical kind of insurance coverage in which the health insurance plan will either pay the clinical carrier straight or reimburse you after you have actually submitted an insurance policy claim for each covered clinical cost. Automobile Insurance in Toccoa, GA. When you require medical focus, you go to the doctor or hospital of your option (https://worldcosplay.net/member/1203301).


An FFS alternative that enables you to see clinical providers that lower their charges to the plan; you pay much less cash out-of-pocket when you use a PPO supplier. When you visit a PPO you typically will not need to submit claims or documents. Nonetheless, going to a PPO healthcare facility does not guarantee PPO benefits for all services received within that medical facility.


Typically enrolling in a FFS strategy does not ensure that a PPO will be readily available in your location. PPOs have a stronger presence in some regions than others, and also in areas where there are regional PPOs, the non-PPO advantage is the typical advantage.

 

Get This Report about Business Insurance

The smart Trick of Arc Insurance Car Insurance That Nobody is Discussing


This would certainly be the very best alternative for protecting affordable handicap protection. If your employer does not use long-term insurance coverage, below are some points to consider before buying insurance coverage on your very own: A policy that guarantees earnings replacement is optimal. Numerous policies pay 40% to 70% of your income. The cost of handicap insurance is based on several variables, including age, way of living, and also health.




Arc InsuranceInsurance Agent
Before you buy, review the small print. Many strategies call for a three-month waiting duration before the protection starts, give a maximum of 3 years' well worth of insurance coverage, as well as have substantial plan exemptions. In spite of years of enhancements in automobile safety and security, an estimated 31,720 people died in website traffic accidents on united state




 

 



Nearly all states require vehicle drivers to have vehicle insurance policy and minority that do not still hold drivers financially in charge of any type of damages or injuries they trigger. Here are your alternatives when buying vehicle insurance policy: Responsibility insurance coverage: Spends for home damage and injuries you trigger to others if you're at mistake for a crash and likewise covers litigation prices and judgments or negotiations if you're taken legal action against due to the fact that of a car crash.




More About Homeowners Insurance


Comprehensive insurance covers theft and also damage to your vehicle because of floods, hailstorm, fire, criminal damage, falling objects, and pet strikes. When you finance your vehicle or rent a car, this type of insurance is mandatory. Uninsured/underinsured vehicle driver () coverage: If a without insurance or underinsured driver strikes your car, this insurance coverage pays for you and your guest's medical expenditures and also may likewise account for lost revenue or make up for discomfort and suffering.


Clinical settlement coverage: Medication, Pay insurance coverage helps pay for clinical expenditures, generally in between $1,000 and also $5,000 for you and your guests if you're harmed in an accident. As with all insurance coverage, your situations will certainly identify the price. Contrast numerous price quotes and also the coverage given, as well as inspect occasionally to see if you receive a lower rate based upon your age, driving record, or the area where you live.




Arc Insurance CincinnatiInsurance Agent
Employer insurance coverage is typically the very best option, however if that is unavailable, acquire quotes from numerous service providers as numerous give discounts if you purchase more than one kind of insurance coverage.




Car Insurance Cincinnati Can Be Fun For Everyone


Spending for insurance policy month after month (when you don't need it) can be a real drag. You could even seem like you're paying for nothingbut do not get fooled into believing that. Insurance might not be as fancy as something like your financial debt snowball, but insurance coverage is simply as important when it involves things on the protective side of your game plan here. Arc Insurance Car Insurance.




 


It really feels like a pain when you don't i thought about this require it, however when you do require it, you're freakin' thankful to have it there. It's all regarding transferring the threat below. Without insurance, you could be one auto accident, health issues or emergency far from having a huge cash mess on your hands.


Have no fearwe'll damage down whatever you need to understand concerning each of these kinds of insurance coverage. If there's just one kind of insurance policy that you sign up for after reading this, make it describe life insurance.




The 4-Minute Rule for Business Insurance




And also because there is a 100% opportunity of passing away somedaythose aren't great probabilities. Consider it: If you were to die unexpectedly, exactly how would ancillary insurance your partner pay for monthly expenditures without your income? The last thing you want your grieving partner to bother with is how to maintain food on the table and also make the home loan repayment after you're gone.




Car InsuranceArc Insurance Cincinnati
Do not put this set off anymore. Speak to an independent insurance policy representative about term life insurance policy today. ASAP. Currently. It does not cost much, but the satisfaction it gives you is priceless. (P.S. When you look for life insurance policy, do not fail to remember to select term life insurance policy. Whole life insurance policy is a gimmick over time.


If you have a lots of debt as well as no savings to your name, consider a small term life insurance policy plan. It's rather very easy for a healthy 30-year-old to find a low-cost policy that will certainly a minimum of repay your financial obligation as well as cover interment expenditures. Connect to Zander Insurance, one of our Ramsey, Relied on service providers, to obtain a term life insurance policy quote currently.




Fascination About Auto Insurance


Think concerning this: The more youthful you are, the a lot more economical term life insurance is. All that to state, if it's something you assume you could make use of in the future, it's less expensive to obtain it now than in 15 years.


The Insurance policy Information Institute states the ordinary loss per claim on cars is around $1,057. Here are some various types of auto insurance coverage: If you're responsible for weblink a crash, your obligation insurance coverage will certainly take care of the costs of any injuries or building damage caused in the collision.


This covers the expense to fix or replace your cars and truck if it's harmed or completed in an accident. This level of insurance policy covers your losses that aren't triggered by the wreckage itself, like burglary, vandalism, flood, fire as well as hail - business insurance. Trying to identify your car insurance coverage requires can be tricky, so make it simpletalk toan insurance policy representative to assist you get the best security you require on your vehicle.

 

Paul B Insurance Insurance Agent For Medicare Melville Fundamentals Explained

8 Simple Techniques For Paul B Insurance Medicare Advantage Plans Melville

 

You must pay any deductibles, coinsurance, and copayments that you owe. You additionally may have to pay the full cost of the service at the doctor's office, as well as after that wait to be repaid by Medicare.


You could have the alternative to join a Medicare Benefit plan, additionally called Medicare Component C. To be qualified, you should have both Medicare parts An and B and reside in an area that has a plan. The federal government agreements with insurer as well as managed care plans to use Medicare Advantage in specific locations.

 

 

 

Paul B Insurance Medicare Supplement Agent MelvillePaul B Insurance Insurance Agent For Medicare Melville
To discover what plans are readily available in your location, call Medicare or check out the Medicare Strategy Finder. If your Medicare Advantage strategy leaves your location, or if you vacate the strategy's service location, you may have the right to join one more Medicare Benefit strategy. You might likewise have the right to purchase Medicare supplement prepares A, B, C, F (consisting of Plan F with a high insurance deductible), K, or L, no matter your case history or problem.

 

 

 

Fascination About Paul B Insurance Local Medicare Agent Melville


The manual has a listing of Medicare Advantage and also prescription medication strategies. Use the manual to assess whether there are any kind of modifications and also expenses in your Medicare Advantage or prescription medicine strategy. The Texas State Health Insurance Coverage Aid Program (SHIP) can aid you contrast plans and also prices in your area. paul b insurance medicare advantage plans melville.




If you drop your Medicare supplement policy, you might not be able to get it back, or you may not have the ability to get a brand-new plan. Medicare Select is a sort of Medicare supplement policy that typically requires you to use medical professionals and health centers in the plan's network for your routine treatment.


If you relocate out of the plan's service location, you can buy a Medicare supplement plan that offers the very same or fewer advantages as your existing policy. You should get the strategy from the same company that offers your Select coverage. If you've her response had your Medicare Select policy for more than six months, you will not have to answer clinical inquiries.

 

 

 

The 20-Second Trick For Paul B Insurance Medicare Agency Melville


Each plan is identified with a letter of the alphabet and also has a different mix of benefits. Plan F has a high-deductible alternative. If they use various other plans, they must supply Strategy C or Plan F.


pay for emergency care emergency situation treatment outside the United States.

 

 

 

Some Ideas on Paul B Insurance Medicare Agent Melville You Should Know


They pay 100% of the excess costs, which are restricted to 15% over the Medicare-approved amount. This graph sums up the advantages supplied by each plan: Criterion Medicare staywell medicaid Supplement Insurance Coverage Plans. If you are moving to an additional county or state, ensure your Medicare strategy will certainly still be in impact after you relocate.


There are exceptions to this if you have a Medicare Select plan or if you have a strategy that includes included benefits, such as vision coverage or discount rates that were readily available only where you acquired the strategy. If you have a Medicare Advantage strategy, ask the strategy whether it's available in your new ZIP code.


If you qualify for Medicaid, the state will pay your Medicare costs and out-of-pocket expenses. Medicaid will likewise pay for some solutions not covered by Medicare.

 

 

 

The Buzz on Paul B Insurance Medicare Advantage Plans Melville


The open registration period starts when you sign up in Medicare Part B. You need to have both Medicare parts An and also B to get a Medicare supplement policy.

 

 

 

 

 

 


Individuals under age 65 that get Medicare because of handicaps have a six-month open registration period beginning the day they sign up in Medicare Part B. This open enrollment right just applies to Medicare supplement Strategy A.

 

 

 

Paul B Insurance Local Medicare Agent Melville Can Be Fun For Everyone


People who individuals Medicaid because of since change in modification financial situation also circumstance a guaranteed issue ensured problem buy a Medicare supplement policy - paul b insurance medicare advantage plans melville.


You must provide the business with evidence that you lost coverage. Usually individuals do this with a letter from the go to these guys business informing them that their protection will end. For more details concerning your guaranteed problem right, reviewed Picking a Medigap Policy: A Guide to Health Insurance for Individuals with Medicare.

 

 

 

Paul B Insurance Insurance Agent For Medicare MelvillePaul B Insurance Medicare Agency Melville
You must notify your company within 90 days of coming to be eligible. If you shed your Medicaid qualification, the plan will automatically be restored. If you shed Medicaid eligibility within two years as well as wish to restore your Medicare supplement plan, you must call your firm within 90 days of losing eligibility.

 

 

 

7 Easy Facts About Paul B Insurance Local Medicare Agent Melville Described

 

Paul B Insurance Local Medicare Agent MelvillePaul B Insurance Local Medicare Agent Melville
Doctors who take Medicare must submit Medicare asserts to the Medicare claims service provider for you. If you obtain a costs, evaluate your Medicare Summary Notification and also what your business paid to see if you owe anything. Medicare supplement policies pay only for services that Medicare thinks about clinically required. If Medicare refutes a claim, you can appeal the choice.
 

The Facts About Health Insurance Dalton Ga Revealed

The Single Strategy To Use For Insurance Dalton Ga

 

Let's say you end up to blame for a multiple-vehicle mishap (that's no enjoyable). Your medical costs as well as residential or commercial property damages could promptly amount to greater than your automobile insurance policy will certainly also cover (insurance companies in dalton ga). And also if you're demanded the difference, your cost savings, your house and also even your future incomes might be on the slicing block.


These types of insurance policy plans are simply a means for the vendor to make additional money off of you. You need a representative that gets on your sidenot the side of the insurance coverage business. That's why choosingthe right relied on insurance coverage representative is so essential. A sector specialist like a Ramsey, Trusted insurance policy pro will certainly collaborate with you to ensure you have actually obtained all your bases covered.


An FFS choice that enables you to see clinical carriers who decrease their costs to the plan; you pay less cash out-of-pocket when you make use of a PPO provider. car insurance dalton ga. When you visit a PPO you generally will not have to file claims or paperwork (https://blogfreely.net/alphaomega01/h2-style-clear-both-id-content-section-0-the-home-insurance-dalton-ga). However, going to a PPO medical facility does not assure PPO benefits for all services obtained within that hospital.

 

 

 

Some Of Insurance Companies In Dalton Ga

 

Auto Insurance Dalton GaAuto Insurance Dalton Ga
Typically signing up in a FFS strategy does not assure that a PPO will certainly be offered in your area. PPOs have a more powerful visibility in some regions than others, and also in areas where there are local PPOs, the non-PPO advantage is the standard advantage.


Your PCP offers your basic clinical care. In many HMOs, you must obtain consent or a "reference" from your PCP to see other suppliers. The recommendation is a referral by your doctor for you to be evaluated and/or treated by a different medical professional or clinical professional - https://eickl.edu.my/wp/members/heathpatterson30720gmail-com/activity/. The reference makes certain that you see the right service provider for the treatment most appropriate to your problem.


You pay even more for making use of these non-network companies. You normally pay higher deductibles and coinsurances than you pay with a strategy service provider.

 

 

 

6 Simple Techniques For Insurance Companies Dalton Ga




A Wellness Financial savings Account allows people to spend for existing health costs and conserve for future competent medical expenditures on a pretax basis. Funds deposited into an HSA are not exhausted, the equilibrium in the HSA grows tax-free, which amount is available on a tax-free basis to pay clinical expenses.


HSAs go through a variety of policies and restrictions established by the Division of Treasury. Go to Division of Treasury Source Center for even more details.

 

 

 

 

 

 


You need to likewise provide anybody who periodically drives your cars and truck. While the plan just needs you to provide "popular" operators, insurance companies often translate this term generally, and also some require that you note any individual who might utilize your vehicle - insurance dalton ga. Generally, motorists who have their very own automobile insurance plan can be listed on your plan as "deferred drivers" at no added fee.

 

 

 

Little Known Facts About Home Insurance Dalton Ga.


You can typically "omit" any type of household participant who does not drive your car, yet in order to do so, you must send an "exclusion kind" to your insurance provider. Vehicle drivers who just have a Learner's Authorization are not called for to be provided on your policy up until they are fully licensed.


Preferred Service Provider Organization (PPO) In a PPO, participants may typically see any kind of physician that they choose. They may get treatment from a network of suppliers (in-network), or choose to see service providers outside the network (out of network). PPOs will frequently have an insurance deductible that need to be fulfilled before the plan will begin spending for services, with the exemption of the ACA's Preventative solutions.


Point of Service (POS) - This sort of strategy is a blend of the HMO and also PPO strategies. Members may see suppliers either in-network or out of network, but have to be referred for OON service by their PCP else be in charge of the complete cost for the solution. It is necessary to keep in mind that there may be different economic duty for the member for in-network as well as out of network services, including greater co-pays and co-insurance.

 

 

 

Examine This Report on Home Insurance Dalton Ga


Relying on a person's tax rate, that might result in a great deal of additional money to pay for medical care, like co-pays for doctor brows through, co-pays for drugs, some clinical supplies, and so on. An HSA is a private interest-bearing account to which an employee and also their employer can make tax-free down payments. Members can take out the funds in an he said HSA without paying taxes to pay for allowable healthcare expenses.

 

 

 

Insurance Companies In Dalton GaHealth Insurance Dalton Ga
Period: 6 mins Learn more about the numerous sorts of insurance coverage to assist you consider what you might and may not require. Health and wellness insurance/Supplemental medical insurance HSAs/Health Savings Accounts Special needs insurance coverage Life insurance policy Lasting care insurance Estate planning


If you're in a covered crash, you can depend on Rental Car Reimbursement to pay the cost of a rental automobile. If you pick to have your automobile fixed at a direct Liberty Mutual authorized repair service center, as well as allow us to schedule the rental vehicle, we will certainly pay your rental costs for as lengthy as it takes to fix your car.

 

 

 

A Biased View of Home Insurance Dalton Ga


Learn about kinds of vehicle insurance policy coverage with GEICO. Car insurance policy helps supply economic protection for you, your family, various other travelers, as well as your automobile.

 

 

 

 
Buying cars and truck insurance policy is simple and quick with GEICO. Find out more about how vehicle insurance rates are figured out. Let us clear up that there's no such thing as "full coverage." Some individuals might say "complete insurance coverage" suggests the minimum liability coverages for their state, extensive coverage and accident insurance coverage.
 

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15