10
H index
10
i10 index
486
Citations
Universität Rostock (94% share) | 10 H index 10 i10 index 486 Citations RESEARCH PRODUCTION: 41 Articles 41 Papers 1 Books EDITOR: RESEARCH ACTIVITY:
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Works with: Authors registered in RePEc who have co-authored more than one work in the last five years with Doris Neuberger. | Is cited by: | Cites to: |
| Working Papers Series with more than one paper published | # docs |
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| Thuenen-Series of Applied Economic Theory / University of Rostock, Institute of Economics | 28 |
| Finance / University Library of Munich, Germany | 4 |
| Year | Title of citing document |
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| 2025 | Nuclear Small Reactors as a Key Solution in the Net-Zero Transition. (2025). Borowski, Piotr F. In: Journal of Sustainable Development Issues (JOSDI). RePEc:arv:journl:v:3:y:2025:i:1:p:97-116. Full description at Econpapers || Download paper |
| 2024 | Do financial market frictions hurt the performance of women‐led ventures? A meta‐analytic investigation. (2024). Shin, Donghyun ; Ross, David Gaddis. In: Strategic Management Journal. RePEc:bla:stratm:v:45:y:2024:i:3:p:507-534. Full description at Econpapers || Download paper |
| 2024 | Financial literacy, farmland mortgage financing, and household entrepreneurship: Empirical evidence from rural China. (2024). Peng, Yanling ; Kong, Rong ; Su, Lanlan. In: Journal of Asian Economics. RePEc:eee:asieco:v:94:y:2024:i:c:s1049007824000629. Full description at Econpapers || Download paper |
| 2025 | Executive compensation and secured debt: Evidence from REITs. (2025). Li, Lingxiao ; Zhu, Bing. In: Journal of Corporate Finance. RePEc:eee:corfin:v:91:y:2025:i:c:s0929119924001895. Full description at Econpapers || Download paper |
| 2024 | Liquidity risk in FinTech lending: Early impact of the COVID-19 pandemic on the P2P lending market. (2024). Shams, Syed ; Alam, Khorshed ; Nigmonov, Asror. In: Emerging Markets Review. RePEc:eee:ememar:v:58:y:2024:i:c:s1566014123000894. Full description at Econpapers || Download paper |
| 2024 | Open government data and the cost of debt. (2024). Wang, Yanping ; Xing, Qiuhang ; Xu, Gaoshuang. In: International Review of Financial Analysis. RePEc:eee:finana:v:95:y:2024:i:pa:s1057521924003168. Full description at Econpapers || Download paper |
| 2025 | Supervisory board, internal control quality, and earnings management. (2025). Han, Yue ; Zheng, Yong. In: Finance Research Letters. RePEc:eee:finlet:v:77:y:2025:i:c:s1544612325003460. Full description at Econpapers || Download paper |
| 2024 | Estimating probability of default via delinquencies? Evidence from European P2P lending market. (2024). Nigmonov, Asror ; Urbonas, Povilas ; Shams, Syed. In: Global Finance Journal. RePEc:eee:glofin:v:63:y:2024:i:c:s1044028324001224. Full description at Econpapers || Download paper |
| 2024 | Firms gender composition, loan collateral, and sustainable finance. (2024). He, Xian ; Pandey, Rudresh ; Zhang, Dengjun. In: Global Finance Journal. RePEc:eee:glofin:v:63:y:2024:i:c:s1044028324001236. Full description at Econpapers || Download paper |
| 2024 | Diversity in banking and new firm formation. Insights from the Italian local credit markets. (2024). Rondinella, Sandro ; Errico, Lucia ; Trivieri, Francesco. In: International Review of Economics & Finance. RePEc:eee:reveco:v:91:y:2024:i:c:p:1095-1109. Full description at Econpapers || Download paper |
| 2024 | Corporate loan duration, macroeconomic environments, and COVID-19. (2024). Kim, Dongwoo. In: International Review of Economics & Finance. RePEc:eee:reveco:v:93:y:2024:i:pb:p:1088-1103. Full description at Econpapers || Download paper |
| 2024 | The impact of technology on access to credit: A review of loan approval and terms in rural Vietnam and Thailand. (2024). Kok, Seng Kiong ; Filomeni, Stefano ; Phan, Chung. In: Research in International Business and Finance. RePEc:eee:riibaf:v:72:y:2024:i:pa:s0275531924002976. Full description at Econpapers || Download paper |
| 2025 | Demographic structure and SME credit availability: Rethinking SME finance amid unprecedented demographic transformations. (2025). Wang, Ling. In: Research in International Business and Finance. RePEc:eee:riibaf:v:76:y:2025:i:c:s0275531925000698. Full description at Econpapers || Download paper |
| 2025 | Bank-Specific Credit Risk Factors and Long-Term Financial Sustainability: Evidence from a Panel Error Correction Model. (2025). Adelowotan, Michael ; Nhleko, Ronald. In: Sustainability. RePEc:gam:jsusta:v:17:y:2025:i:14:p:6442-:d:1701411. Full description at Econpapers || Download paper |
| 2024 | Drivers for collateral and collateral substitutes: A study of rural borrowers in erstwhile Andhra Pradesh. (2024). Sanyal, Paromita ; Ganesh, L ; Padmavathi, Koride. In: Agricultural Economics and Rural Development. RePEc:iag:reviea:v:21:y:2024:i:2:p:137-155. Full description at Econpapers || Download paper |
| 2024 | Deconstructing involuntary financial exclusion: a focus on African SMEs. (2024). Simba, Amon ; DANA, Leo ; Tajeddin, Mahdi ; Ribeiro, Domingo E. In: Small Business Economics. RePEc:kap:sbusec:v:62:y:2024:i:1:d:10.1007_s11187-023-00767-1. Full description at Econpapers || Download paper |
| 2025 | Study of internal and external factors influencing the choice of multi-banking relationships among SMEs in Senegal: an approach using multinomial logistic regression. (2025). Deh, Amon Anike ; Thiam, Fatoumata ; Barry, Sarata. In: International Journal of Research in Business and Social Science (2147-4478). RePEc:rbs:ijbrss:v:14:y:2025:i:3:p:218-230. Full description at Econpapers || Download paper |
| 2024 | What Are the Implications of Governments Right to Collect Information on Public Trust in Banks?. (2024). Sanneh, Tumani ; Sharjeel, Sadaf ; Mafabi, Muzamir M. In: Bulletin of Business and Economics (BBE). RePEc:rfh:bbejor:v:13:y:2024:i:2:p:468-474. Full description at Econpapers || Download paper |
| 2025 | Does trust matter in lending decisions? A systematic literature review and research agendas for future studies. (2025). Setiaji, Bambang ; Wijaya, Ibrahim Fatwa ; Nofandrilla, Nieldya. In: International Review of Economics. RePEc:spr:inrvec:v:72:y:2025:i:1:d:10.1007_s12232-024-00477-4. Full description at Econpapers || Download paper |
| 2024 | Concentrated bank market and SMEs’ collateral issues: a study of the firms of developing Asian countries. (2024). Inaba, Kazuo ; Niigata, Atsushi ; Ei, EI. In: Journal of Economic Structures. RePEc:spr:jecstr:v:13:y:2024:i:1:d:10.1186_s40008-024-00338-x. Full description at Econpapers || Download paper |
| 2025 | Impact of economic crises on corporate‐banking relationship: Evidence from Korea. (2025). Jung, Hoon ; Kim, Dongwoo. In: Economics of Transition and Institutional Change. RePEc:wly:ectrin:v:33:y:2025:i:1:p:195-205. Full description at Econpapers || Download paper |
| 2024 | How bank‐specific factors affect access to financing for small and medium enterprises: Evidence from an emerging economy. (2024). Khan, Sadia Noor. In: International Journal of Finance & Economics. RePEc:wly:ijfiec:v:29:y:2024:i:2:p:2095-2115. Full description at Econpapers || Download paper |
| 2025 | Excess control of family board seats and corporate financing constraints. (2025). Meng, Tianle ; Yang, Yuqi. In: Managerial and Decision Economics. RePEc:wly:mgtdec:v:46:y:2025:i:1:p:166-182. Full description at Econpapers || Download paper |
| Journal | |
|---|---|
| Vierteljahrshefte zur Wirtschaftsforschung / Quarterly Journal of Economic Research |
| Year | Title | Type | Cited |
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| Year | Title | Type | Cited |
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| 2022 | Narrative Oekonomik: Europa als „Transferunion“ oder „Risikogemeinschaft“? Eine empirische Analyse In: Working Papers. [Full Text][Citation analysis] | paper | 0 |
| 2022 | A basic macroeconomic agent-based model for analyzing monetary regime shifts In: Papers. [Full Text][Citation analysis] | paper | 0 |
| 2022 | A basic macroeconomic agent-based model for analyzing monetary regime shifts.(2022) In: PLOS ONE. [Full Text][Citation analysis] This paper has nother version. Agregated cites: 0 | article | |
| 2006 | The Number of Bank Relationships of SMEs: A Disaggregated Analysis of Changes in the Swiss Loan Market In: Economic Notes. [Full Text][Citation analysis] | article | 7 |
| 2017 | Credit Market Structure and Collateral in Rural Thailand In: Economic Notes. [Full Text][Citation analysis] | article | 4 |
| 2022 | The Inflationary Potential of the Historic 2021 SDR Allocation In: The Economists' Voice. [Full Text][Citation analysis] | article | 0 |
| 2011 | Collateral and its Substitutes in Emerging Markets Lending In: CESifo Working Paper Series. [Full Text][Citation analysis] | paper | 63 |
| 2012 | Collateral and its substitutes in emerging markets’ lending.(2012) In: Journal of Banking & Finance. [Full Text][Citation analysis] This paper has nother version. Agregated cites: 63 | article | |
| 2009 | G-20-Gipfel in London: ein Durchbruch zur Regulierung der Finanzmärkte? In: ifo Schnelldienst. [Full Text][Citation analysis] | article | 0 |
| 2009 | G-20-Gipfel in London: Ein Durchbruch zur Regulierung der Finanzmärkte?.(2009) In: Open Access Publications from Kiel Institute for the World Economy. [Full Text][Citation analysis] This paper has nother version. Agregated cites: 0 | paper | |
| 2024 | Banks’ Interest Margins After the Interest Rate Turnaround – Windfall Profits and Policy Measures Aimed at Bank Resilience and Consumer Welfare In: Vierteljahreshefte zur Arbeits- und Wirtschaftsforschung. [Full Text][Citation analysis] | article | 0 |
| 2025 | Editorial: Geopolitische Risiken und Realwirtschaft: Was ändert sich für Deutschland und Europa? In: Vierteljahreshefte zur Arbeits- und Wirtschaftsforschung. [Full Text][Citation analysis] | article | 0 |
| 2025 | Geopolitische Risiken: Was ändert sich für Deutschland und Europa? In: Vierteljahreshefte zur Arbeits- und Wirtschaftsforschung. [Full Text][Citation analysis] | article | 0 |
| 2025 | Editorial: Geopolitische Risiken und internationale Finanzmärkte In: Vierteljahreshefte zur Arbeits- und Wirtschaftsforschung. [Full Text][Citation analysis] | article | 0 |
| 2009 | Finanzierungs- und Governance-Strukturen im Wandel: Arbeitsteilung zwischen Banken und Private Equity Fonds In: Vierteljahrshefte zur Wirtschaftsforschung / Quarterly Journal of Economic Research. [Full Text][Citation analysis] | article | 0 |
| 2018 | How Does Banking Diversity Fit in the General Vision Inspiring the Joint Process of Banking Union and Capital Markets Union? In: Vierteljahrshefte zur Wirtschaftsforschung / Quarterly Journal of Economic Research. [Full Text][Citation analysis] | article | 2 |
| 2019 | Schulden – Segen oder Fluch? In: Vierteljahrshefte zur Wirtschaftsforschung / Quarterly Journal of Economic Research. [Full Text][Citation analysis] | article | 0 |
| 2020 | Debt – Blessing or Curse? Editorial In: Vierteljahrshefte zur Wirtschaftsforschung / Quarterly Journal of Economic Research. [Full Text][Citation analysis] | article | 0 |
| 2020 | Systemic Usury and the European Consumer Credit Directive In: Vierteljahrshefte zur Wirtschaftsforschung / Quarterly Journal of Economic Research. [Full Text][Citation analysis] | article | 3 |
| 2019 | Systemic usury and the European Consumer Credit Directive.(2019) In: Thuenen-Series of Applied Economic Theory. [Full Text][Citation analysis] This paper has nother version. Agregated cites: 3 | paper | |
| 2020 | Der Mehrwert von Bürgschaftsbanken und (Rück‐)Bürgschaften für KMU: ein Literaturüberblick In: Vierteljahrshefte zur Wirtschaftsforschung / Quarterly Journal of Economic Research. [Full Text][Citation analysis] | article | 0 |
| 2020 | Gesamtwirtschaftliche Effekte der Tätigkeit von Bürgschaftsbanken in den Neuen Bundesländern In: Vierteljahrshefte zur Wirtschaftsforschung / Quarterly Journal of Economic Research. [Full Text][Citation analysis] | article | 0 |
| 2021 | Finanzielle Bildung: Was soll die Politik tun?: Editorial In: Vierteljahrshefte zur Wirtschaftsforschung / Quarterly Journal of Economic Research. [Full Text][Citation analysis] | article | 0 |
| 2023 | Verbraucherkreditzinsen und Zinsobergrenzen bei steigendem Zinsniveau In: Vierteljahrshefte zur Wirtschaftsforschung / Quarterly Journal of Economic Research. [Full Text][Citation analysis] | article | 0 |
| 2006 | Collateral-based lending in emerging markets: Evidence from Thailand In: Journal of Banking & Finance. [Full Text][Citation analysis] | article | 81 |
| 2005 | Collateral-Based Lending in Emerging Markets: Evidence from Thailand.(2005) In: Finance. [Full Text][Citation analysis] This paper has nother version. Agregated cites: 81 | paper | |
| 2001 | Do lending relationships matter?: Evidence from bank survey data in Germany In: Journal of Economic Behavior & Organization. [Full Text][Citation analysis] | article | 133 |
| 2000 | Do Lending Relationships Matter? Evidence from Bank Survey Data in Germany.(2000) In: CoFE Discussion Papers. [Full Text][Citation analysis] This paper has nother version. Agregated cites: 133 | paper | |
| 1995 | Diversification, collateral and economies of scale in banking: lessons from a continuous-time portfolio approach In: International Review of Economics & Finance. [Full Text][Citation analysis] | article | 0 |
| 2017 | Inside or outside control of banks? Evidence from the composition of supervisory boards In: European Journal of Law and Economics. [Full Text][Citation analysis] | article | 2 |
| 1991 | Risk taking by banks and captial accumulation: A portfolio approach In: Journal of Economics. [Full Text][Citation analysis] | article | 1 |
| 2008 | Concentration of Banking Relationships in Switzerland: The Result of Firm Structure or Banking Market Structure? In: Journal of Financial Services Research. [Full Text][Citation analysis] | article | 35 |
| 2004 | Lending to Small and Medium-Sized Firms: Is There an East-West Gap in Germany? In: Small Business Economics. [Full Text][Citation analysis] | article | 28 |
| 2009 | Microenterprises and multiple bank relationships: The case of professionals In: Small Business Economics. [Full Text][Citation analysis] | article | 14 |
| 2015 | The role of demographics in small business loan pricing In: Small Business Economics. [Full Text][Citation analysis] | article | 12 |
| 2014 | The role of demographics in small business loan pricing.(2014) In: Thuenen-Series of Applied Economic Theory. [Full Text][Citation analysis] This paper has nother version. Agregated cites: 12 | paper | |
| 2019 | The economic and fiscal benefits of guarantee banks in Germany In: Small Business Economics. [Full Text][Citation analysis] | article | 1 |
| 2014 | The Banking Regulatory Bubble and How to Get out of It In: CERBE Working Papers. [Full Text][Citation analysis] | paper | 12 |
| 2014 | The Banking Regulatory Bubble and How to Get out of It.(2014) In: Rivista di Politica Economica. [Citation analysis] This paper has nother version. Agregated cites: 12 | article | |
| 1999 | Finanzsysteme in Europa: Harmonisieren? Anglifizieren? In: Zeitschrift für Wirtschaftspolitik. [Full Text][Citation analysis] | article | 1 |
| 2022 | Narrative Ökonomik: Europa als „Transferunion“ oder „Risikogemeinschaft“?: Eine empirische Analyse. In: Zeitschrift für Wirtschaftspolitik. [Full Text][Citation analysis] | article | 0 |
| 2007 | Corporate governance bancaria e sistema dualistico: riflessioni sullesperienza tedesca In: Banca Impresa Società. [Full Text][Citation analysis] | article | 0 |
| 2008 | Wirksamkeit von Landesbürgschaften und Bürgschaftsbanken: eine empirische Studie für Mecklenburg-Vorpommern In: ZögU - Zeitschrift für öffentliche und gemeinwirtschaftliche Unternehmen. [Full Text][Citation analysis] | article | 0 |
| 2008 | Wirksamkeit von Landesbürgschaften und Bürgschaftsbanken: Eine empirische Studie für Mecklenburg-Vorpommern.(2008) In: Thuenen-Series of Applied Economic Theory. [Full Text][Citation analysis] This paper has nother version. Agregated cites: 0 | paper | |
| 2023 | Monetary aggregates in the US since 2020 and post-COVID-19 inflation: evidence from the equation of exchange In: Economics and Business Letters. [Full Text][Citation analysis] | article | 0 |
| 2015 | Financial Inclusion, Regulation, and Education in Germany In: ADBI Working Papers. [Full Text][Citation analysis] | paper | 2 |
| 2014 | Macroprudential Banking Regulation: Does One Size Fit All? In: Journal of Banking and Financial Economics. [Full Text][Citation analysis] | article | 15 |
| 2012 | Macroprudential banking regulation: Does one size fit all?.(2012) In: Thuenen-Series of Applied Economic Theory. [Full Text][Citation analysis] This paper has nother version. Agregated cites: 15 | paper | |
| 2023 | Do product returns in the retail sector affect the price level? Evidence from the equation of exchange In: Eurasian Economic Review. [Full Text][Citation analysis] | article | 0 |
| 2018 | Physische und digitale Erreichbarkeit von Finanzdienstleistungen der Sparkassen und Genossenschaftsbanken In: Review of Regional Research: Jahrbuch für Regionalwissenschaft. [Full Text][Citation analysis] | article | 4 |
| 2013 | Leasing by small enterprises In: Applied Financial Economics. [Full Text][Citation analysis] | article | 8 |
| 2012 | Leasing by small enterprises.(2012) In: Thuenen-Series of Applied Economic Theory. [Full Text][Citation analysis] This paper has nother version. Agregated cites: 8 | paper | |
| 1998 | Industrial Organization of Banking: A Review In: International Journal of the Economics of Business. [Full Text][Citation analysis] | article | 15 |
| 2025 | Trump’s Crypto Plans – A Boost for the Digital Euro? In: Intereconomics: Review of European Economic Policy. [Full Text][Citation analysis] | article | 0 |
| 2005 | Kreditvergabe der Banken an kleine und mittelständische In: Finance. [Full Text][Citation analysis] | paper | 0 |
| 2005 | The Number of Bank Relationships of SMEs: A Disaggregated Analysis for the Swiss Loan Market In: Finance. [Full Text][Citation analysis] | paper | 2 |
| 2005 | The number of bank relationships of SMEs: A disaggregated analysis for the Swiss loan market.(2005) In: Thuenen-Series of Applied Economic Theory. [Full Text][Citation analysis] This paper has nother version. Agregated cites: 2 | paper | |
| 2005 | What’s Common to Relationship Banking and Relationship Investing? Reflections within the Contractual Theory of the Firm In: Finance. [Full Text][Citation analysis] | paper | 1 |
| 2014 | iff-Überschuldungsreport 2014: Überschuldung in Deutschland In: iff-Überschuldungsreport. [Full Text][Citation analysis] | book | 0 |
| 2013 | The use of collateral in formal and informal lending In: Kiel Working Papers. [Full Text][Citation analysis] | paper | 2 |
| 2013 | The use of collateral in formal and informal lending.(2013) In: VfS Annual Conference 2013 (Duesseldorf): Competition Policy and Regulation in a Global Economic Order. [Full Text][Citation analysis] This paper has nother version. Agregated cites: 2 | paper | |
| 1996 | Johann Heinrich von Thünen als Förderer der Finanzintermediation In: Thuenen-Series of Applied Economic Theory. [Full Text][Citation analysis] | paper | 0 |
| 1997 | Direct Banking - A Demand Pull and Technology Push Innovation In: Thuenen-Series of Applied Economic Theory. [Full Text][Citation analysis] | paper | 0 |
| 2009 | Composition of supervisory boards in Germany: Inside or outside control of banks? In: Thuenen-Series of Applied Economic Theory. [Full Text][Citation analysis] | paper | 0 |
| 2009 | Der Einfluss regionaler und demographischer Umfeldfaktoren auf die Kosten- und Ertragssituation von Sparkassen: Eine Effizienzanalyse In: Thuenen-Series of Applied Economic Theory. [Full Text][Citation analysis] | paper | 2 |
| 2009 | The impact of regional and demographic factors on the efficiency of German savings banks In: Thuenen-Series of Applied Economic Theory. [Full Text][Citation analysis] | paper | 9 |
| 1997 | Structure, Conduct and Performance in Banking Markets In: Thuenen-Series of Applied Economic Theory. [Full Text][Citation analysis] | paper | 8 |
| 2017 | Pensions and housing wealth: Quantitative data on market conditions for equity release schemes in the EU In: Thuenen-Series of Applied Economic Theory. [Full Text][Citation analysis] | paper | 0 |
| 2017 | Physische und digitale Erreichbarkeit von Finanzdienstleistungen der Sparkassen In: Thuenen-Series of Applied Economic Theory. [Full Text][Citation analysis] | paper | 0 |
| 2017 | The economic and fiscal value of German guarantee banks In: Thuenen-Series of Applied Economic Theory. [Full Text][Citation analysis] | paper | 1 |
| 2018 | Finanzielle Allgemeinbildung Geflüchteter in Deutschland: Eine qualitative Pilotstudie In: Thuenen-Series of Applied Economic Theory. [Full Text][Citation analysis] | paper | 0 |
| 2018 | Kann Karl Marx die Finanzkrise 2007/08 erklären? Eine Einordnung seiner Geld- und Kredittheorie In: Thuenen-Series of Applied Economic Theory. [Full Text][Citation analysis] | paper | 0 |
| 2018 | Der Einfluss sozioökonomischer Faktoren auf die Nutzung des digitalen Zugangs zu Finanzdienstleistungen: Risikopotenzial für eine informationelle Kluft in den Geschäftsgebieten der Sparkassen In: Thuenen-Series of Applied Economic Theory. [Full Text][Citation analysis] | paper | 0 |
| 2020 | Institutional hostility to cash and COVID-19 In: Thuenen-Series of Applied Economic Theory. [Full Text][Citation analysis] | paper | 1 |
| 1998 | SME Loan Pricing and Lending Relationships in Germany: A New Look In: Thuenen-Series of Applied Economic Theory. [Full Text][Citation analysis] | paper | 1 |
| 1999 | Regionalökonomie und Finanzierung kleiner und mittelständischer Unternehmen: Ansätze zur Erklärung eines Ost-West-Gefälles In: Thuenen-Series of Applied Economic Theory. [Full Text][Citation analysis] | paper | 0 |
| 2000 | Ist der öffentliche Auftrag im deutschen Sparkassensektor zeitgemäß? In: Thuenen-Series of Applied Economic Theory. [Full Text][Citation analysis] | paper | 0 |
| 2001 | Klassische versus elektronische Vertriebswege von Bankdienstleistungen für kleine Unternehmen - Ergebnisse einer Befragung von Freiberuflern in Rostock, Bad Doberan und Güstrow In: Thuenen-Series of Applied Economic Theory. [Full Text][Citation analysis] | paper | 0 |
| 2002 | Financial Institutions Responsibility Rating - Ein Entwurf In: Thuenen-Series of Applied Economic Theory. [Full Text][Citation analysis] | paper | 0 |
| 2004 | Relationship finance by banks and non-bank institutional investors: A review within the theory of the firm In: Thuenen-Series of Applied Economic Theory. [Full Text][Citation analysis] | paper | 1 |
| 2006 | Microenterprises and multiple bank relationships: Evidence from a survey among professionals In: Thuenen-Series of Applied Economic Theory. [Full Text][Citation analysis] | paper | 3 |
| 2008 | Financial constraints of ethnic entrepreneurship: Evidence from Germany In: Thuenen-Series of Applied Economic Theory. [Full Text][Citation analysis] | paper | 5 |
| 2008 | Geographic and demographic Bank outreach: Evidence from Germanys three-pillar banking system In: Thuenen-Series of Applied Economic Theory. [Full Text][Citation analysis] | paper | 7 |
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