Manual Therapy for Senior Citizens

Manual Therapy for Senior Citizens

Manual therapy is a comprehensive diagnosis and therapeutic intervention with the help of hands. Skilled professionals who offer these therapies are known as manual operators.

The body and bones of an elderly person require increased attention and care in handling. In addition to traditional physical therapy (ultrasound, magnets, and electrophoresis), the manual method is very widely used for the prevention and treatment of diseases of the back, waist, and shoulders.

Manual therapy offers a healing effect without the risk of complications for the patient, which is very important for the elderly with fragile bones and poor muscle strength.

In what cases is manual therapy useful?

Manual therapy gives a tangible effect on the treatment of the spine and joints. The area of impact of this practice include the nerves, different muscle groups, intervertebral discs, and spinal joints.

Manual therapy is especially effective in combating:

Osteoporosis;

Osteochondrosis;

Adhesions;

Herniated intervertebral discs;

Radiculitis;

And other diseases.

Perform no more than one manual procedure in one day. Alternate with other methods of physical effects (massage or physiotherapy).

How manual therapy is different from massage?

Quite often, the practice of manual treatment is confused with massage. You can become a qualified manual therapist only with the specialization of a neurologist or orthopedist. Massage as a reflex type of treatment includes effects on the soft tissues of the body (kneading, vibration, stroking, rubbing). Manual methods are responsible for the deep treatment of the damaged areas in the elderly.

About Medigap:

Medigap, otherwise mentioned as Medicare supplement plans are provided by private insurance companies in the United States. These type of plans focus on covering extra expenses. Since these expenses are not covered by the Regular Medicare program, seniors who’re eligible for Medicare are required to cover them on their own if they don’t have a supplementary coverage. For a fixed monthly premium, seniors who’re already eligible for Medicare can apply for supplemental coverage to minimize their out of pocket costs on healthcare requirements.

Medicare Advantage Plans May Look Better Than They Actually Are

Medicare Advantage Plans May Look Better Than They Actually Are

People 65 years of age and above in many cases are automatically included in Medicare. The social security program of Medicare offers basic Medicare insurance for seniors. Medicare however has many gaps about what it provides and actually pays. To request extra medical services, such as home care services or prescription drugs, additional Medicare plans can be included to insure the uninsured costs of a basic Medicare plan. One other way that senior citizens can take and that private insurance companies do not like much is the purchase of a Medicare Advantage plan that in many situations proves to be a bad idea.

Medicare Advantage plans are health plan options provided by private companies and are approved by Medicare. They provide all the benefits of Medicare Part A & B. They look quite easy when it comes to providing a complete safety net for medical coverage. However, they have several disadvantages that may not be highlighted on the surface.

Unlike the Medicare Supplemental Plan, which can be adopted to insure certain requirements, the original Medicare Advantage Plan is not insured, a Medicare Advantage plan offers the same functionality as the original Medicare solution, with additional features. The challenge with Medicare Advantage plans is that they offer some of the benefits that the original Medicare insurance covers in a distinct way.

An instance of how a Medicare Advantage plan could guarantee a person might look this way: a lesser rate of medical examination that could bring about a reduction in the insurance of qualified health centers. The overall picture that a Medicare Advantage plan gives to its target audience is that it is too beautiful to be true because it really is.

Private insurance companies are making high profit margins selling Medicare Advantage plans and insurance agents are imposing these plans on seniors in hopes of earning more. By the way, not every insurance broker is sincere; every sphere of life has its fair share of bad eggs. There are however, many reports of insurance brokers who encourage their clients to enroll for Medicare Advantage plans with the expectation of getting an extra coverage.

The general lack of coverage provided by Humana Medicare Advantage plans 2019 doesn’t mean that senior citizens do not have the opportunity to receive support externally. A Medicare supplement plan allows senior citizens to select the plan that fits their medical needs like: nursing care or prescription drugs, to save funds rather than waste it. Yet another good thing about other Medicare plans is that they can be bought and compared at the best price. For the elderly, it is particularly important to research and compare plan options to ensure that every penny spent is a wise decision.

If you have a pre-existing medical condition, you will be more likely to get low-cost insurance if you register during the open period, for instance if you have reached 65 years old. During the open enrollment period, the cost of Medicare Supplement Insurance will not be increased as a result of your medical history. Also, it is common knowledge that MA or Medicare Advantage policies accept all previously existing conditions apart from kidney failure.

Medicare Advantage vs. Medicare Part D

Medicare Advantage vs. Medicare Part D

If you have been informed about Medicare, you will know that Medicare covers some of your medical care and names them in alphabetical order. Part A of Medicare is known as health insurance while Medicare Part B is known as Medicare insurance. Medicare Part D is also known as a prescription drug plan. Medicare Part C is a way to group Medicare benefits A, B and D into one plan. The Medicare Part D generally for prescription drugs, is added to the Medicare Advantage plans. According to the Trust of the Kaiser Family, approximately 88% of Medicare Advantage plans in 2017 provided coverage for prescription drugs.

What is the benefit of Medicare?

This is a Medicare insurance provided by private insurance firms that enroll for Medicare. Now, Medicare part C plans must offer every feature that Original Medicare offers (parts A and B). In addition to providing prescription drugs, Medicare Advantage plans often offer additional benefits such as:

What is Medicare Part D?

Part D of Medicare is about prescription drugs. You can buy Part D of Medicare through a single plan or a Medicare Advantage plan. If your health insurance plan includes drug coverage, you will not be eligible at the same time for a separate Medicare Part D plan. Independent prescription plans for Part D drugs are usually combined with the conventional Medicare insurance.

All Medicare Part D insurance is provided by private insurance companies in place of the federal government. The Medicare government program, Original Medicare, does not provide the majority of the medications you take home. Generally, you will receive the original benefits of Medicare prescription drugs only if you receive them as in-patients or as an injection into a doctor’s office. There may be other circumstances where Original Medicare pays prescription drugs. Without Medicare Part D, you may need to pay most prescription drugs out of your pocket.

How does a Medicare Advantage with Medicare Part D plan provide my prescription medications?

Prescription drugs covered by the Medicare Advantage plan are listed on the plan form or in the list of insured medications. If a required prescription drug is not included in the Medicare Advantage plan form, you can purchase insurance or change your plans during the open enrollment period, from October 15th to December 7th of each year. Medicare Advantage plans generally set insured drugs at levels that can be used to bill various prescription drugs. Level 2 prescription drugs generally cost more than Level 1 prescriptions, etc.

For example, for a delivery of the drug within 30 days, you can pay the following:

• Level 1 (preferred generic) $ 10.00 co-payment

• Level 2 (generic): $ 17.50

• Level 3 (preferred brand): co-pay of $ 45.00

• Level 4 (drug not preferred): co-pay of $ 95.00

• Level 5 insurance (special level) co-pay of  33%

• Level 6 (selective care medications) co-pay of $ 10.00

Do you intend to find a BCBS Medicare Advantage Plans 2019 near you then visit www.medicareadvantage2019.org/bcbs-medicare-advantage-plans-for-2019 and just enter the zip code on the website to begin the search.

Medicare Mutual of Omaha Supplement Plans of Omaha Mutual of Omaha Supplement Plans Plans for Under 65s And Disabled In Delaware

Medicare Mutual of Omaha Supplement Plans of Omaha Mutual of Omaha Supplement Plans Plans for Under 65s And Disabled In Delaware

Are you a Medicare beneficiary under the age of 65 and looking for financial assistance? You may be eligible for a Medigap plan for people under the age of 65 with reduced mobility. Medigap policies can help you with some expenses you may have with Original Medicare, including co-payment fees, deductibles, and co-insurance. The plans are available from private insurance agencies. As a result, costs and types of plans may vary. The State Healthcare Mutual of Omaha Supplement Plans of Omaha Mutual of Omaha Supplement Plans Plans can appeal to you if you are under 65 and have physical difficulties.

Many people qualify for Medicare at age 65. If you are a young beneficiary, remember that Medigap plans for people with reduced mobility and those under the age of 65 may be more limited. If you are under 65 and have a physical disability, here is an overview of how Medigap plans function in Delaware. Can residents of Delaware under the age of 65 who have a physical disability purchase Medicare Mutual of Omaha Supplement Plans of Omaha Mutual of Omaha Supplement Plans Plans policies? If you are a Medicare participant in Delaware under the age of 65, chances are good that you qualify for Original Medicare because of a disability or because you have certain health conditions. Learn more about the suitability of Medicare before you attain the age of 65.

In Delaware, the law requires that private insurance agencies to provide Medigap plans similar to those under the age of 65 and people with reduced mobility, such as those aged 65 and over. Please note, however, that Delaware insurance companies are authorized to charge higher premiums for Medigap plans for persons under 65 and with reduced mobility. In Delaware, State Healthcare Mutual of Omaha Supplement Plans of Omaha Mutual of Omaha Supplement Plans Plans companies are required to have different premium plans for recipients under the age of 65 with either physical or end-stage renal impairment.

Medicare integration plans for people under 65 and disabled in Delaware

Delaware offers a wide range of Medicare Mutual of Omaha Supplement Plans at www.medisupps.com/mutual-of-omaha-medicare-supplement-plans-2019/ in many states in the US, including Delaware. Now, each plan has distinct characters and features are standardized for each letter, regardless of the insurer or the place of residence. As mentioned above, the costs of the plan may be different. Therefore, if you are looking for medical assistance programs for people under 65 and a physical disability, it is important to look for different companies in your area so that you can find the best rate for the desired coverage.

See this benefit table for more information on Medicare support plans available for beneficiaries under the age of 65 with physical disabilities.

When you enroll for Medigap plans for people under 65 and with reduced mobility

If you are looking for medical assistance programs for people under 65 and with reduced mobility, you have 6 months to register for a Delaware plan. The registration period begins as soon as you enroll for Medicare parts A and B. Meanwhile, insurance agencies can make use of the medical insurance below and base the premiums on your medical condition. For example, Medicare Mutual of Omaha Supplement plans for 2019 found here offer beneficiaries under the age of 65 and those with reduced mobility generally cost more.

Insurance companies must implement similar Medigap policies for persons under 65 and persons with reduced mobility, as well as for persons aged 65 and over. But you can pay later if you sign up for Medicare Mutual of Omaha Supplement Plans of Omaha Mutual of Omaha Supplement Plans Plans during your Medigap registration period.

How Can I Sign Up For Drug Insurance?

How Can I Sign Up For Drug Insurance?

Beneficiaries of Medicare become eligible for Part D of prescription drugs if they have applied for benefits of Part A and/or Part B. Participants receive the benefits of Part D via 2 types of benefits managed by private insurance firms. Recipients can only participate in a Prescription Drug Plan (PDP) for the protection of drugs or adhere to Part C of the Public Health Plan. Provides all medical and hospital services for Medicare Parts A and B, and generally provides supplementary medical costs not covered by Medicare Parts A and B, including prescription drugs. Medicare drug coverage is an optional benefit. Medicare provides prescription drug coverage to every individual who benefits from Medicare. If you choose not to receive Medicare, you will likely have to pay a late registration fee if you register later, except one of the following situations happen:

• you have other prescription drugs that are solvent

• You will receive extra help

• In general, you pay this penalty so long as you obtain Medicare prescription drugs.

To purchase Medicare drug coverage, you must sign up for a plan approved by Medicare plan which provides drug coverage. Every plan can differ in terms of drugs and costs.

Two ways to get drug insurance

Medicare Prescription drug plan (Part D): This plan (sometimes referred to as “PDP”) includes initial health insurance, certain Medicare cost plans, certain Medicare Private Service Payment Plans (PFFS), and the Medicare Prescription Plan (PFFS) account. Medicare Medical Savings (MSA)) Drug Plans. Medicare Advantage Plan or another Medicare health plan providing coverage for Medicare prescription drugs: these plans allow you to receive all your Medicare A (Medicare) and Medicare Part B (Medicare) coins, as well as your prescription medications ( part D). Medicare Advantage with drug coverage is sometimes referred to as “MA-PD”. You will need Parts A and B to participate in a Medicare plan.

How can I enroll for a health insurance plan?

If you have chosen a Medicare drug plan, you can sign up as follows:

• Sign up with the Plan Finder for Medicare on the plan website.

• Fill out a registration form.

• Call the plan provider.

• Call 1-800-633-4227 (1-800-MEDICARE) or call 1-800-MEDICARE (1-800-633-4227).

If you are enrolling in a Medicare drug plan, enter the Medicare number and the start date of the A and / or B insurance. You will find this information on your Medicare card.

Consider all your decisions about drug insurance

Before reaching a decision, find out how Medicare Supplement plan g functions with your drug plan @ www.bestmedicaresupplementplans2019.com/medicare-supplement-plan-g-2019/. For instance, it may be provided by an employer, TRICARE, trade union, the Indian Medical Service, the Department of Veterans Affairs (VA), or a Medicare Supplement Insurance Plan. Compare your current insurance with the Medicare drug plan. The drug coverage you already have may change due to Medicare drug coverage. Therefore, consider all insurance options. If you have (or qualify for) other types of drug coverage, read all the documentation provided by the insurer or plan provider.

In What Ways Can A Medigap Plan Manage Hospital Costs?

In What Ways Can A Medigap Plan Manage Hospital Costs?

If you are sick and you go to the hospital regularly, you may be worried about how you are managing hospital costs. Although Medicare does cover some hospitalization expenses, personal expenses can be quite high. A Medicare supplemental plan can assist in paying for some of the hospital expenses.

What is a Medicare supplement policy?

A Medicare supplementary insurance is sold by private insurance firms. They are formulated to work together with the conventional Medicare coverage. Medicare supplement plans can assist you in paying for the expenses of Medicare Part A & Part B, e.g. co-insurance, co-payment, and deductibles. There are many Medicare supplemental policies, but almost all of them can help insure hospital costs.

Hospital expenses and Medicare supplements

In many states, there are up to 10 standard Medicare supplement plans. All of these plans can help you insure the costs of the hospital expenses by paying the amount of Medicare Part A insurance when you are hospitalized.

Hospital benefits are the only benefit category to benefit from all 10 Medigap standard plans. Each of these plans can include:

100% of co-insurance costs of Part A of Medicare for services covered by hospitals.

An additional year (365 days) of health coverage for Medicare benefits is exhausted

The 10 standardized Medicare plans contain letters that provide them with the Supplementary Plan A, B, and so on. Each plan with the same name must have similar standard advantages, although some contracts offer additional benefits. Remember, Minnesota, Massachusetts, and Wisconsin have a different standard for their Medicare supplement plans.

Can a Medicare supplemental policy help pay for hospital costs?

The condition of each individual may be different from that of another individual. However, you might want to learn how much Medicare Part A cost. A Medicare supplement plan, for some, can aid you manage hospitalization costs by insuring Part A insurance costs, 365 days of supplemental health insurance and other Medicare costs for Part A and B.

When can I purchase a Medicare supplement plan that can help reduce hospital costs?

If you are enrolled in Medicare parts A and B, you can still request a Medicare plan. However, the insurance firm that sell these plans do not always have to accept the request. For example, if you have a health condition. The company can charge a higher rate than a healthy person when he sells a plan. This information could be important for you if you know you are healthy and need to manage hospital expenses.

There is a period during which you are normally authorized to purchase a Guaranteed Program for the purchase of 2020 Medicare supplement quotes: the Medicare Supplement open enrollment period. During this period, you cannot be denied for health reasons or to pay more, even if you can expect to cover this situation. The 6-month OEP commences the month you are 65 and is enrolled for Medicare Part B. There may be other cases where there are guaranteed issue rights.

How Does Medicare Part D Function With Other Insurance Firms? Pt 1

How Does Medicare Part D Function With Other Insurance Firms? Pt 1

Medicare Part D Drug Plans

If you are a beneficiary of Medicare or about to become one, you might be concerned about getting Medicare Part D prescription drugs. Anyone on Medicare Part B (Health Insurance) and/or Part A (Hospital Insurance) is qualified to receive medication. Medicare Part D Prescription. This is optional, however in some situations, you may be penalized for late registration if you do not register for this insurance as soon as you qualify and you sign up later. Let’s start with a brief summary of how Part D of Medicare is provided. Part D provides prescription drug insurance coverage by private insurance companies under contract with Medicare. You can purchase Medicare drug coverage from two types of Medicare plans offered by private insurance agencies:

A separate Part D of Medicare plan for prescription drugs: This plan only covers prescription drugs and is also intended to provide Part A and/or Part B of Medicare. An Advantage Medicare prescription drug plan that provides prescription drugs and medical services: This type is for persons who choose to receive all the benefits of Medicare in a plan. There are several types of Medicare Advantage plans, such as: Preferred Provider Organization (PPO) strategies and Health Maintenance Organization (HMO) strategies.

If you sign up for one of two types of Medicare plan, you can pay a monthly premium to the insurance company, as well as payments, insurance and, if applicable, annual plan payment. Some Medicare Advantage plans have only $0 in premiums. If you have a Medicare Advantage or Medicare plan, you will still have to pay the Part B premium.

If you delay the registration of a Medicare supplement plan F 2019 and you do not have any other insurance coverage that provides “credible” prescription drug coverage, you may have to pay late registration fees for Part D if it is registered for this protection. Proper insurance means that (on average) prescription drugs are at least as good as Medicare Part D. Late registration fees are at least 1% of the national average premium. Your reward can be added for any month that you have for more than 63 days without acceptable insurance coverage. In most cases, you pay the fine as long as you receive Medicare Part D prescription drugs.

How Medicare Part D works with other insurance plans.

Currently, it is possible to purchase an insurance plan that includes prescription drugs and to ask if Medicare Part D insurance is still required. It depends on the source of the insurance plan. Here are some things to consider:

Will your current insurance company coordinate services with Medicare?

If you sign up for a health insurance plan, will you lose your other insurance? If so, does this affect the partner, spouse or other persons who can be insured by the police? Does your current insurance firm offer on average a good, if not better, drug insurance from Medicare Part D? So, is there a “credible” insurance?

Eligibility and Sign up Pt 3

Eligibility and Sign up Pt 3

An individual can subscribe to Medicare under the new provisions while still insured by an EGHP and choose to start coverage this month or for one of the next three months.

For instance:

Mr. Fletchis turned 65 in 2013, but continued to work and was assisted by a EGHP. In April 2015, he applied for monthly social security benefits and Medicare when he wanted to retire on June 30, 2015. He could choose to start Medicare in April 2015 or in one of the next three months. He chose to start reporting in July 2015, while he was currently working under his EGHP.

Mary could have chosen to postpone his decision to apply for Medicare until July 2015, the first full month in which EGHP did not cover him. This would also result in Medicare coverage that will come into effect on July 1, 2015, the first day of the month in which it was no longer covered by the EGHP. However, if Mary were to postpone his decision to apply for Medicare until August 2015, his report would not be effective until September 2015. In fact, 2019 Medicare Supplement Plans registration takes place within seven months of the first one full month in which a person does not have is protected by health insurance EGHP covers from the 1st day of the month after the month of enrolment.

In order to avoid interruption of coverage, it is advisable to register during the last 3 months or the month in which your job ends. It is imperative to understand that the modifications to the law have not altered the fact that the special enrollment deadline is available only for people who are dependent on the Environmental Protection Act, for one person or their employees.

A failure to Sign up:

This can have severe repercussions for individuals who do not register for Medicare during their normal registration period. The price of Part B will be increased by 10% per year for each unregistered year.

More importantly, failure to register during the first registration period or special registration period may prevent the person from enrolling in Medicare Part B during the general registration period during first three months of the year. Part B coverage will begin in July of this year. As a result, it may take several months before a person without Medicare Part B insurance coverage is subject to high medical costs.

It is important to know that a person entitled to benefits or a retirement pension can enroll at any time in Part A and receive retroactively up to six months without penalty. For Part B only, the purpose of the registration period and an increase apply. Exceptions are people who are not entitled to Part A but who decide to pay the premium and participate voluntarily. They are subject to restrictions regarding registration.

Complaints:

The decision to refuse Medicare authorization or coverage for any purpose may be challenged by the Railroad Retirement Council or the Social Security Administration.

Eligibility and Sign up Pt 2

Eligibility and Sign up Pt 2

Registration within the first 3 months of the initial enrollment period will lead to coverage from the 1st day of the 1st month in which the person reaches 65 years of age. Registration in the month in which the person turns 65 implies that coverage will commence at the beginning of the following month. Registration in one of the last 3 months of the initial registration period will result in coverage beginning on the 1st day of the 2nd month following the registration month. In addition, there is Medicare Supplement plans 2019 a “general registration period” which takes place during the first 3 months of the year. An individual who does not register during the initial admission period may only enroll in Medicare Part B during this general period (and may be required to pay a premium for late registration) except this corresponds to the conditions applicable to the working elderly people.

Medicare Supplement plans 2019

Registration for Part A can be done at any time. Coverage may be retroactive up to 6 months, except for the person who is required to purchase Part A. If a person needs coverage, registration in Part A may only be made during the first or the general registration period. Coverage starts on July 1 of this year. For participants who register for the general registration period, Part B of the insurance coverage will not commence until July 1st of this year. Registration is usually handled by the Social Security Administration through their local offices. Participants of the retirement of railway firms must contact the board of directors of the railway for registration.

Online Enrollment:

Starting in 2010, it is also possible to register online at www.socialsecurity.gov. Click on “Online Services” and then on “Request Benefits”. The application process may take less than 10 minutes to complete. Working Elderly citizens:

When the Medicare program was created in 1965, many people retired at the age of 65 and immediately began participating in the policy at that age. Meanwhile, when individuals began to work after age 65 and Medicare tried to contain costs, the Medicare registration and coverage policy was changed. In the early 1980’s, many laws were enacted to make Medicare services conditional on the benefits that can be provided under an Employer-Wide Health policy (EGHP) to laborers and their spouses who are aged 65 and more. In addition, employers are prohibited from providing Medicare and the appropriate employees of their spouse with a different health plan from other employees. Employers with less than 20 employees are exempt from these new laws but may volunteer.

These changes led to the creation of a new “special registration phase” for working seniors. People over age 65, who are covered by an EGHP because of their activities or the employment of a spouse, have the option to enroll in Medicare at the age of 65 without raising the premium. Since EGH is the main contributor, many workers may not want to pay for Medicare coverage, which can be duplicated. Failure to register during this “special registration period” may result in surcharges and the person may not be able to register before the next general registration period. Initially, SEP started on the first day of the 1st month, when the laborer was not insured by EGHP anymore, and was closed seven months later. However, as of March 1, 1995, people with EGHP can enroll in Medicare while they are still on EGHP.

Perceived Demerits of Medicare Supplementary Insurance Plans

Perceived Demerits of Medicare Supplementary Insurance Plans

Some seniors believe that Medigap / Medicare insurance could be a form of frivolous expenses. That is why some are of the opinion that it is the reality. Medicare is a government-run health insurance program for people 65 years of age and older and retired for at least 24 months. The argument for some is that Original Medicare was the best insurance plan in the United States and one of the best in the world. The Part A premium of Medicare is likely to be paid for you (i.e. via the fees you’ll pay), and the Part B premium is just $109 per month for people who received Medicare supplements in 2010.

In addition to low fees, you have plenty of freedom to access medical care. You can go anywhere in the country and consult a doctor or hospital that accepts Medicare. This begs the question: If Medicare is an important plan in itself, why should anyone in the entire world take out Medigap insurance? A Medicare Supplemental Insurance Plan is an insurance plan sold by a private insurance company. The reason for of these plans is to cover the loopholes left by Medicare. It is for this reason that these plans are also referred to as “Medigap plans”.

Here are 3 arguments that do not favor Medigap insurance

1. Guaranteed insurance

The first time you qualify for Medicare (for example, if you are 65 years old), you will be entitled to a Medicare supplement. For most circumstances, and in most states, you may be at an advanced stage of a terrible illness and a Medicare supplement company may offer 2020 Best Medicare Supplement Plans insurance at a discounted rate. Immediately you become eligible for a Medicare supplement plan, you will not lose your insurance if you pay your premiums.

2. Insurance against “big spending”

If you have to pay a few dollars to your doctor for an X-ray or a quote, it’s probably not a big deal. However, if you have challenges, that is, if you fall sick, the first protection of Medicare might not be as effective as you might think. Hospital bills of $ 1,000 can add up very fast, and also your share of expensive diagnostic tests. One sure fact is that most of us do not buy insurance for little things, like something on the car. But we want insurance to provide the unexpected, such as a horrible car accident, and so on.

3. Accessibility

For most people, Medicare supplement plans are very affordable. For example, an elderly person who turns 65 in Tarrant County, Texas, can take out a public health insurance plan for just over $ 100 a month. A 70 year old woman can get the same F plan for around $ 130 a month. It is not only very practical, but also very predictable. For example, in Plan F, your only cost of health care (ignoring prescription drugs), are the monthly premium cost for Part B and the Medigap premium. Given all these factors, the Medicare complementary insurance business is much more compelling than the one that opposes it.