Dayton, OH (45428)

Montgomery County · Dayton-Kettering-Beavercreek, OH · Population 286

Fresh.Data current as of Apr 24, 2026

Dayton, OH (ZIP 45428) sits in Montgomery County within the Dayton-Kettering-Beavercreek metro area. The page draws on 1 federal data feed retrieved Apr 24. Top health signal: High Blood Pressure comes in above the national average at 63.2%. No NCES schools are mapped to this ZIP in the current dataset. 10 colleges and universities serve the area, with median in-state tuition of $16,320. Average annual pay across local establishments runs $112,460 per worker (Census ZBP) — a high-wage local economy. Federal QCEW filings show 250,085 covered jobs in this ZIP's primary county — a major regional employment hub. CDC's Social Vulnerability Index places this ZIP in the 89th percentile nationally — a highly vulnerable community profile. FEMA has issued 13 federal disaster declarations affecting this ZIP since 1968. County Health Rankings reports 12,141 years of potential life lost per 100,000 (2025) — well above the national county median. 28.8% of residents in this county are flagged low-access by USDA's 2025 Food Environment Atlas — a notable supermarket-access gap. Per IRS migration filings (2022-2023), the area's primary county lost $152,400,000 in net taxable income to other counties. Healthcare access is the area's quieter strength; school options sit on the lighter side, so families may find themselves looking at districts a few ZIPs over. Notable: fair market rent of $1,170 for a two-bedroom, a 45.5% poverty rate (well above the ~12% US average), and 41.7% of workers working from home. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.

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Demographics

Population & age

Total population
286
Median age
75.5

Race & ethnicity

White
66.8%
Black
29.4%
Asian
0.0%
Hispanic / Latino
2.8%
Other / multi-racial
3.8%

Education

Bachelor's degree or higher (age 25+)
28.0%

Employment

Unemployment rate
20.0%

Housing

Owner-occupied
0
Renter-occupied
0
Vacant units
0

Commute

Public transit
0(0.0%)
Work from home
5(41.7%)

Economic wellbeing

Below poverty line
30(45.5%)
Uninsured
0(0.0%)

Digital access

Broadband access
0

Language & nativity

Foreign-born
0(0.0%)
Non-English at home
4(1.4%)

Studio

$850

/month

1 Bed

$930

/month

2 Bed

$1,170

/month

3 Bed

$1,520

/month

4 Bed

$1,670

/month

HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.

See national housing trends →

New housing construction

New housing units permitted

933

Across 426 permitted buildings. Total construction value: $188.0M.

Single-family

349

37% of total units

Multifamily (2+ unit)

584

63% of total units

Single-family value

$107.4M

construction value

Multifamily value

$80.5M

construction value

Apartment construction (5+ unit buildings) accounts for 45% of new units this year — the area is densifying, not just adding single-family stock.

Based on county-level data (2024).

Source: U.S. Census Bureau Building Permits Survey (census.gov/construction/bps). Public domain. BPS reports annual residential building permits from local permit-issuing jurisdictions, aggregated to county. A permit reflects intent to build, not a completed unit — actual construction lags by 6-24 months for multifamily projects.

Business & employment

Business establishments

8

Total employment

2,653

Annual payroll

$298.4M

Average annual pay

$112,460

Source: U.S. Census Bureau, ZIP Business Patterns (census.gov). Public domain. ZBP covers establishments with paid employees; Census suppresses employment and payroll values when fewer employers operate in a ZIP than would protect their confidentiality.

Employment & wages

Average annual pay

$61,439

Average weekly wage

$1,182

Total employment

250,085

Total establishments

13,276

That is roughly 6% below the US national average of $65,470 per worker.

Source: U.S. Bureau of Labor Statistics, Quarterly Census of Employment and Wages (bls.gov/cew). Public domain. QCEW is derived from state unemployment-insurance filings and covers ~95% of US jobs. Figures are county-level totals assigned to ZIPs whose primary county matches; small-employer cells are suppressed by BLS to protect employer confidentiality.

Unemployment

Unemployment rate

4.5%

That is 0.5 percentage points above the US national unemployment rate of about 4.0%.

Labor force

256,622

Employed

244,967

Unemployed

11,655

Based on Montgomery County, OH data (2024).

Source: U.S. Bureau of Labor Statistics, Local Area Unemployment Statistics (bls.gov/lau). Public domain. LAUS publishes monthly and annual labor-force estimates for every US county. Figures are county-level totals assigned to ZIPs whose primary county matches.

Hospitals & healthcare facilities

Facilities located inside ZIP 45428 from CMS Provider Data. Star ratings reflect Overall Hospital Quality where applicable; “Not rated” means the facility didn't report enough measures to qualify.

Hospitals (1)

DAYTON VA MEDICAL CENTER

★★★★4.0
Acute Care - Veterans Administration
Veterans Health Administration
Emergency services

4100 WEST THIRD STREET, DAYTON, OH, 45428

Source: Centers for Medicare & Medicaid Services Provider Data (data.cms.gov). Public domain.

See national health & medical trends →

Public transit

FTA tracks transit service at the urbanized-area level. Numbers below reflect the agencies and modes serving the area that contains this ZIP, not stop-level coverage.

Service status

Available

Dayton, OH

Reporting agencies

2

Largest: Greater Dayton Regional Transit Authority

Annual ridership

unlinked trips · 2024

Source: U.S. Federal Transit Administration, National Transit Database (transit.dot.gov). Public domain.

See national economy & jobs trends →

Social Vulnerability Index

Overall SVI

89th percentile

Very High Vulnerability

Based on 1 census tract, population 516

Vulnerability Themes

  • Socioeconomic Status95th percentile
  • Household Characteristics75th percentile
  • Racial & Ethnic Minority Status78th percentile
  • Housing Type & Transportation70th percentile

Households Without Vehicle

17

Persons with Disability

117

Without HS Diploma

64

Without Health Insurance

47

Adults Age 65+

147

The Social Vulnerability Index uses U.S. Census data to identify communities most at risk during public health emergencies and natural disasters. Higher percentiles indicate greater vulnerability. Tract-level scores are aggregated to this ZCTA via Census 2020 ZCTA→Tract crosswalk, weighted by land-area share. Source: atsdr.cdc.gov. Public domain.

Federal Disaster Declarations

Federally Declared Disasters

13

Date Range

1968–2020

Most Recent Declaration

COVID-19 PANDEMIC

Biological — declared March 31, 2020 (DR-4507)

Incident period: January 20, 2020 – May 11, 2023

Top Incident Types

  • Severe Storm5 (38%)
  • Biological2 (15%)
  • Snowstorm2 (15%)
  • Flood2 (15%)
  • Tornado1 (8%)
  • Other1 (8%)

Individual Assistance

2

Direct help to disaster survivors

Households Program

2

Housing & temporary lodging support

Public Assistance

11

Repair of public facilities & roads

Hazard Mitigation

5

Funding to reduce future disaster risk

FEMA declares disasters at the county level; counts here include every federally declared disaster touching any county that overlaps this ZIP. Statewide declarations and pre-1964 records without county granularity are excluded. Program flags reflect which FEMA assistance categories were activated (Individual Assistance, Households, Public Assistance, Hazard Mitigation). Source: fema.gov/openfema. Public domain.

Climate

30-year averages (1991-2020) from the nearest GHCN-D weather station. Temperature and precipitation values reflect typical annual conditions, not any single year.

Avg. temperature

53.3°F

43.1°63.4°

Annual precipitation

41.7"

Annual snowfall

12.3"

Heating · cooling days

5,432.2 · 1,190.8

Annual base 65°F

Nearest station: DAYTON MCD, OH US, 3.9 miles from the centroid of Dayton, OH (ZIP 45428)

Source: NOAA National Centers for Environmental Information, 1991–2020 U.S. Climate Normals (ncei.noaa.gov). Public domain.

See national environment & climate trends →

Air quality

Median daily AQI

47

Good
Good 225dModerate 135dUSG 4d

Peak AQI (2024)

147

Unhealthy for Sensitive Groups

Primary pollutant

PM2.5

201 days as main pollutant

Days measured

364

Based on Montgomery County data (2024).

Source: U.S. Environmental Protection Agency, Air Quality System (epa.gov). Public domain. Only counties with EPA AQS monitoring stations appear here (~30% of US counties); rural ZIPs whose primary county has no monitor will not show this section.

Community health profile

Years of potential life lost (per 100K)

12,141

That is roughly 3,941 years per 100,000 above the national county median (~8,200).

Premature death is the headline composite outcome CHR reports — age-adjusted, all-cause, before age 75.

Fair or poor health

20%

of adults self-report

Poor physical health days

4.7

avg per adult per month

Poor mental health days

6.2

avg per adult per month

Uninsured

7.5%

of residents under 65

Primary care MDs

95

per 100,000 residents

Preventable hospital stays

3,246

per 100K Medicare enrollees

Food environment (0-10)

7.2

10 = best access & security

Exercise access

93%

residents near a facility

Flu vaccinated

49%

of Medicare enrollees

Low birth weight (under 2,500 g) accounts for 9.3% of live births in this county — an early-life health input that downstream outcomes track against.

Based on Montgomery data (2025 CHR release).

Source: County Health Rankings & Roadmaps, University of Wisconsin Population Health Institute (countyhealthrankings.org). Annual release. Underlying source datasets vary by measure (CDC BRFSS, NCHS Vital Statistics, AHA, USDA Food Environment Atlas, and others). Figures are county-level and assigned to every ZIP whose primary county matches.

Food access

Food access status

Significant food access concerns

28.8% of Montgomery County, OH residents live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket.

Grocery stores

0.15

per 1,000 residents

Supercenters & clubs

0.03

per 1,000 residents

SNAP-authorized stores

0.85

accepting food benefits

Fast-food restaurants

0.94

per 1,000 residents

Among low-income residents, 10.1% are low-access — those without a supermarket within 1 mile (urban) or 10 miles (rural).

Per-1,000 figures show how many of each store type exist in Montgomery County, OH for every 1,000 residents. Higher grocery and supercenter density usually means easier access to fresh food; higher convenience-store-only density (with low grocery rate) often signals a food swamp.

Source: USDA Economic Research Service, Food Environment Atlas (ers.usda.gov). County-level metrics fanned to ZIP via the primary county in the Census ZCTA-county relationship file. Variable years differ per family (stores ~2020, low-access ~2019).

Safety

FBI publishes crime data at the county level. Numbers below cover the primary county that contains this ZIP. Rates are per 100,000 residents in the area covered by reporting agencies.

Violent crime rate

per 100K residents · 260 reports

Property crime rate

per 100K residents · 1,087 reports

Homicide

4

Robbery

50

Burglary

219

Vehicle theft

348

County-level data for Montgomery (2024)

Source: U.S. Federal Bureau of Investigation, Uniform Crime Reporting Program (cde.ucr.cjis.gov). Public domain. Coverage varies by reporting agency; areas with partial agency coverage may understate true crime totals.

See national safety & crime trends →

Who’s moving in and out

Net migration (2022-2023)

+328 people

−134 households−$152.4M net AGI flow

Moved in

16,162households

27,362 people • $903.0M AGI

Moved out

16,296households

27,034 people • $1.1B AGI

Where new residents came from

  1. Greene County, OH2,258 households
  2. Warren County, OH1,027 households
  3. Butler County, OH737 households
  4. Miami County, OH710 households
  5. Franklin County, OH520 households

Where departing residents went

  1. Greene County, OH2,215 households
  2. Warren County, OH1,040 households
  3. Miami County, OH889 households
  4. Franklin County, OH702 households
  5. Butler County, OH571 households

Incoming households reported an average AGI of $55,871 versus departing households' $64,763.

Source: U.S. Internal Revenue Service, Statistics of Income, Migration Data (irs.gov). Public domain. Migration is measured by year-over-year changes in the address on individual tax returns; figures are county-level totals attributed to ZIPs whose primary county matches. Foreign migration contributes to inflow/outflow totals but does not appear in the top-county lists. Small flows are suppressed by IRS to protect taxpayer confidentiality.

Taxes & benefits in Ohio

State-level rules that apply to every resident of ZIP 45428. Numbers reflect the most recent published year per source.

Tax rates

Income tax

3.50%

flat · 1 brackets

Sales tax (combined)

7.29%

State 5.75% · avg local 1.54%

Property tax (effective)

0.89%

Median $1,417/year

Tax burden rank

25 of 50

10.10% of personal income

Paid family leave

Program

No program

No program

Safety net

SNAP eligibility

130% FPL

Broad-Based Categorical Eligibility (raises gross income limit above federal 130% floor). No asset test.

Sources: Tax Foundation (state tax rates & brackets), Bipartisan Policy Center (paid family leave), USDA FNS (SNAP categorical eligibility).

Other ZIPs near 45428

Nearby ZIPs by distance

45417 (Dayton, 1.4 mi) · 45402 (Dayton, 3 mi) · 45406 (Dayton, 3.1 mi) · 45439 (Moraine, 3.4 mi) · 45423 (Dayton, 3.8 mi) · 45409 (Kettering, 4.1 mi)

Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.

Data sources used on this page

All data on this page is sourced from federal government datasets · Not AI-generated · Methodology

Health profile

Crude prevalence estimates from CDC PLACES, derived from BRFSS small-area modeling. Population-level figures only.

Colleges & universities nearby

Colleges in this area

10

Median in-state tuition

$16,320

Median earnings (10 yr)

$37,558

  • Sinclair Community College

    Dayton, OH · 45402

    4-Year
    In-state tuition
    $3,675
    Out-of-state tuition
    $8,556
    Acceptance rate
    Graduation rate
    36.0%
    Median earnings (10 yr)
    $37,558
    Median student debt
    $12,000
  • University of Dayton

    Dayton, OH · 45469

    4-Year
    In-state tuition
    $49,140
    Out-of-state tuition
    $49,140
    Acceptance rate
    65.5%
    Graduation rate
    80.9%
    Median earnings (10 yr)
    $75,537
    Median student debt
    $23,250
  • 4-Year
    In-state tuition
    $11,522
    Out-of-state tuition
    $21,222
    Acceptance rate
    96.3%
    Graduation rate
    43.9%
    Median earnings (10 yr)
    $49,500
    Median student debt
    $22,750
  • Kettering College

    Kettering, OH · 45429

    4-Year
    In-state tuition
    $16,320
    Out-of-state tuition
    $16,320
    Acceptance rate
    76.5%
    Graduation rate
    65.1%
    Median earnings (10 yr)
    $67,492
    Median student debt
    $23,500
  • Fortis College-Centerville

    Centerville, OH · 45459

    2-Year
    In-state tuition
    $14,440
    Out-of-state tuition
    $14,440
    Acceptance rate
    Graduation rate
    42.7%
    Median earnings (10 yr)
    $34,726
    Median student debt
    $13,000
  • Certificate
    In-state tuition
    $18,122
    Out-of-state tuition
    $18,122
    Acceptance rate
    Graduation rate
    73.4%
    Median earnings (10 yr)
    $31,071
    Median student debt
    $13,432
  • The Modern College of Design

    Kettering, OH · 45440

    4-Year
    In-state tuition
    $31,468
    Out-of-state tuition
    $31,468
    Acceptance rate
    91.7%
    Graduation rate
    65.0%
    Median earnings (10 yr)
    $42,187
    Median student debt
    $12,000
  • In-state tuition
    Out-of-state tuition
    Acceptance rate
    Graduation rate
    68.7%
    Median earnings (10 yr)
    $22,271
    Median student debt
    $9,731
  • Certificate
    In-state tuition
    Out-of-state tuition
    Acceptance rate
    Graduation rate
    84.2%
    Median earnings (10 yr)
    $30,389
    Median student debt
    $12,416
  • Ohio Medical Career College

    Dayton, OH · 45417

    2-Year
    In-state tuition
    Out-of-state tuition
    Acceptance rate
    Graduation rate
    78.5%
    Median earnings (10 yr)
    Median student debt
    $12,403

Source: U.S. Department of Education College Scorecard (collegescorecard.ed.gov). Public domain data. Earnings figures reflect median earnings 10 years after entry for federally-aided students.

What these numbers say together

Dayton, OH (ZIP 45428) sits in Montgomery County within the Dayton-Kettering-Beavercreek metro area. The page draws on 1 federal data feed retrieved Apr 24. Top health signal: High Blood Pressure comes in above the national average at 63.2%. No NCES schools are mapped to this ZIP in the current dataset. 10 colleges and universities serve the area, with median in-state tuition of $16,320. Average annual pay across local establishments runs $112,460 per worker (Census ZBP) — a high-wage local economy. Federal QCEW filings show 250,085 covered jobs in this ZIP's primary county — a major regional employment hub. CDC's Social Vulnerability Index places this ZIP in the 89th percentile nationally — a highly vulnerable community profile. FEMA has issued 13 federal disaster declarations affecting this ZIP since 1968. County Health Rankings reports 12,141 years of potential life lost per 100,000 (2025) — well above the national county median. 28.8% of residents in this county are flagged low-access by USDA's 2025 Food Environment Atlas — a notable supermarket-access gap. Per IRS migration filings (2022-2023), the area's primary county lost $152,400,000 in net taxable income to other counties. Healthcare access is the area's quieter strength; school options sit on the lighter side, so families may find themselves looking at districts a few ZIPs over. Notable: fair market rent of $1,170 for a two-bedroom, a 45.5% poverty rate (well above the ~12% US average), and 41.7% of workers working from home. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.

The two domains pull in different directions. Healthcare access reads strong, but the on-paper school count is on the lighter side — that’s less a quality signal and more a density one. Households here often look at districts a few ZIPs over for school choice while keeping their providers local.

One concrete reading worth keeping: Depression prevalence sits higher the national rate at 24.6%. Each figure on this page links to the original federal dataset with its retrieval date — this synthesis is a reading, not a substitute for the underlying records.

Frequently Asked Questions — ZIP 45428

What is the obesity rate in ZIP 45428?

45.7%, which is 12.7 percentage points above the national average of 33.0% (CDC PLACES, retrieved Apr 24, 2026).

What is the depression rate in ZIP 45428?

24.6%, which is 2.6 percentage points above the national average of 22.0% (CDC PLACES, retrieved Apr 24, 2026).

What is the high blood pressure rate in ZIP 45428?

63.2%, which is 31.2 percentage points above the national average of 32.0% (CDC PLACES, retrieved Apr 24, 2026).

What is the population of ZIP 45428?

286 people live in ZIP 45428, with a median age of 75.5 (Census ACS 5-Year 2022, retrieved Apr 30, 2026).

How do people commute in ZIP 45428?

In ZIP 45428, 41.7% of workers work from home. Public transit is used by 0.0% of commuters (Census ACS 5-Year 2022, retrieved Apr 30, 2026).

What is the poverty rate in ZIP 45428?

45.5% of the population in ZIP 45428 lives below the federal poverty line (Census ACS 5-Year 2022, retrieved Apr 30, 2026).

How many businesses are in ZIP 45428?

As of 2022, 8 business establishments operated in ZIP 45428 employing 2,653 workers (Census ZIP Business Patterns, retrieved May 3, 2026).

What is the average salary in ZIP 45428?

The average annual pay across all local establishments in ZIP 45428 is $112,460, based on Census ZIP Business Patterns 2022 data (retrieved May 3, 2026).

How vulnerable is ZIP 45428 to disasters and public health emergencies?

According to the CDC Social Vulnerability Index (2022), ZIP 45428 ranks in the 89th percentile nationally for social vulnerability — a very high vulnerability profile (retrieved May 3, 2026).

What is the biggest vulnerability factor in ZIP 45428?

Socioeconomic Status is the highest-scoring CDC SVI theme for ZIP 45428, ranking in the 95th percentile nationally (CDC/ATSDR Social Vulnerability Index 2022, retrieved May 3, 2026).

How many federally declared disasters has ZIP 45428 experienced?

FEMA has recorded 13 federal disaster declarations affecting ZIP 45428 between 1968–2020 (FEMA OpenFEMA Disaster Declarations, retrieved May 3, 2026).

What kinds of disasters most often hit ZIP 45428?

Severe Storm is the most common federally declared disaster type affecting ZIP 45428, accounting for 5 of 13 declarations (38%, FEMA OpenFEMA, retrieved May 3, 2026).

What was the most recent disaster declared for ZIP 45428?

The most recent FEMA disaster declaration affecting ZIP 45428 was "COVID-19 PANDEMIC" — a biological declared in 2020 (DR-4507) (FEMA OpenFEMA, retrieved May 3, 2026).

What colleges are near ZIP 45428?

10 colleges and universities are listed near ZIP 45428 by the U.S. Department of Education College Scorecard, including Sinclair Community College, University Of Dayton, and Wright State University-Main Campus (retrieved May 2, 2026).

What is the average tuition at colleges near ZIP 45428?

Median in-state tuition across 10 nearby institutions is $16,320 (College Scorecard, retrieved May 2, 2026).

What do graduates earn from colleges near ZIP 45428?

Graduates of nearby colleges earn a median of $37,558 ten years after entry (College Scorecard, retrieved May 2, 2026).

What is the climate like in ZIP 45428?

ZIP 45428 has an average annual temperature of 53.3°F and 41.6" of annual precipitation based on the DAYTON MCD, OH US weather station 3.9 miles from the ZIP centroid (NOAA 1991–2020 Climate Normals, retrieved May 8, 2026).

Does ZIP 45428 have public transit?

Yes — ZIP 45428 is part of the Dayton, OH urbanized area, primarily served by Greater Dayton Regional Transit Authority (National Transit Database 2024, retrieved May 4, 2026).

What hospitals are in ZIP 45428?

1 hospital is located in ZIP 45428 1 is rated by CMS, with an average overall rating of 4.0 out of 5 stars (CMS Hospital Compare, 2024).

What taxes apply in ZIP 45428?

Ohio has a flat income tax with a top rate of 3.50%. Combined sales tax: 7.29% (Tax Foundation 2025).

Does Ohio have paid family leave?

Ohio has no state paid family leave program (Bipartisan Policy Center 2026).

What data is available for ZIP 45428?

This page covers health outcomes from CDC PLACES (40 metrics), demographics from the Census ACS 5-Year (2022), colleges from the U.S. Department of Education College Scorecard (10 institutions), local business & employment from Census ZIP Business Patterns (2022), social vulnerability scores from the CDC/ATSDR SVI (2022), federal disaster declarations from FEMA OpenFEMA (13 on record), climate normals from NOAA NCEI (1991-2020), county-level crime data from the FBI Crime Data Explorer (2024), public transit coverage from the National Transit Database (2024), hospitals from CMS Hospital Compare, and state-level tax rates from the Tax Foundation. Data is refreshed on Mubboo's standard schedule.

How current is this data?

Health data retrieved Apr 24, 2026 from CDC PLACES. Demographics retrieved Apr 30, 2026 from Census ACS 5-Year (2022). College data retrieved May 2, 2026 from U.S. Dept of Education College Scorecard. Business & employment retrieved May 3, 2026 from Census ZBP (2022). Social vulnerability scores retrieved May 3, 2026 from CDC/ATSDR SVI (2022). Federal disaster declarations retrieved May 3, 2026 from FEMA OpenFEMA (13 on record). Climate normals retrieved May 8, 2026 from NOAA NCEI (1991-2020). County-level crime data retrieved May 4, 2026 from the FBI Crime Data Explorer (2024). Transit coverage retrieved May 4, 2026 from the National Transit Database (2024). State-level tax rates retrieved 2026-05-05 15:58:22.284+00 from the Tax Foundation.

Other ZIPs near 45428

Nearby ZIPs by distance

45417 (Dayton, 1.4 mi) · 45402 (Dayton, 3 mi) · 45406 (Dayton, 3.1 mi) · 45439 (Moraine, 3.4 mi) · 45423 (Dayton, 3.8 mi) · 45409 (Kettering, 4.1 mi)

Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.

More Info topics

Have a specific question about ZIP 45428?

Ask Mubboo — launching Q4 2026.

By Mubboo Editorial Team

Last reviewed Apr 24, 2026


Data sources

This page observes HIPAA and FERPA by surfacing only aggregate, de-identified federal datasets. Individual records are never displayed.

Mubboo may earn commissions from partner links. This does not affect our editorial independence.

Data refreshed via Mubboo's ETL pipeline; oldest source on this page retrieved Apr 24, 2026.