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Joost Beaumont

Senior Fixed Income Strategist

Joost Beaumont is a Senior Fixed Income Strategist with lead responsibility for covered bonds and RMBS, focussing on the euro-denominated market, and Dutch covered bonds/RMBS in particular. He has been part of Group Economics at ABN AMRO since 2010. He is a member of the Financial Markets Research team. Previously, Joost worked as a senior European Economist, focusing on the UK and French economies, while having extensive expertise in the field of the European debt crisis as well. He also worked in the International Economic Research team of Fortis Global Markets, while he spent nearly seven years as a policy advisor at the central bank of the Netherlands Antilles. Joost studied macroeconomi ... (view full description)

Luca Bertalot

Sec. General Euro. Mortgage Federation
European Covered Bond Council

Luca Bertalot is Secretary General of the European Mortgage Federation - European Covered Bond Council (EMF-ECBC), representing the interests of EU mortgage lenders and the covered bond community in discussions with the European Institutions and stakeholders in general on all issues relating to the retail and funding sides of the mortgage business. Established in 1967, the EMF is the voice of the European mortgage industry, providing data and information on European mortgage markets, which were worth c. €7 trillion at the end of 2017. In 2004 the EMF founded the ECBC, a platform that brings together covered bond market participants including issuers, analysts, investment bankers, ... (view full description)

Sharon Bloemendal

Green Funding & ESG Advisor
De Volksbank

Sharon Bloemendal is responsible for the Sustainable Debt Strategy of de Volksbank and also for the improvement and maintenance of the different ESG-ratings. She was recently nominated as one of the top 50 leading ladies in sustainability in financial services in the Netherlands.

Antonio Farina

Senior Director
S&P Global Ratings

Antonio Farina is a Senior Director in European Structured Finance, S&P Global Ratings. Based in Madrid, he is an analyst in the Covered Bonds team and he is responsible for the activity in Spain, Italy, The Netherlands and new markets.
He joined S&P Global Ratings in 2004 and has been involved in the rating of covered bonds and structured finance transactions across a range of asset classes and jurisdictions.
Before joining  S&P Global Ratings, he worked for UniCredit Markets & Investment Banking in Milan.
Antonio holds a degree in Economics and Finance from the “Universita´del Piemonte Orientale”

Miguel Garcia de Eulate

Head of Treasury and Capital Markets
Caja Rural de Navarra

Miguel Garcia de Eulate is since 2000 Head of Treasury and Capital Markets at Caja Rural de Navarra (CRN, Pamplona) where he is responsible for the bank's liquidity management and funding, including Covered Bonds and Senior Unsecured programmes, also whithin a Sustainability Framework. CRN is a regional cooperative bank and a member of UNACC and AECR (Spanish Caja Rural Group Association, Madrid), where Mr. García de Eulate currently participates in working groups and task forces focused on capital markets. Mr. García de Eulate is also a member of the Financial Markets Working Group of the European Association of Cooperative Banks (EACB, Brussels).  Previo ... (view full description)

Carl Haarnack

Senior Portfolio Manager, Fixed Income

Carl Haarnack (Paramaribo, 1963) is a senior fixed-income portfolio manager at ACTIAM. Haarnack studied Political Science at the University of Amsterdam. He started his career as trainee in the Morgan Finance Program in New York. Haarnack started working as a bond trader at JP Morgan in Amsterdam and London branch. The same position he then held at other banks like Kempen & Co (Amsterdam) and BHF Bank (London). At Landesbank Baden-Württemberg in Stuttgart he headed the Benelux Capital Markets Desk for five years. Since 2008 Haarnack works as a portfolio manager fixed-income for Swiss Life Asset Management in The Netherlands which was acquired by SNS Asset Management and ... (view full description)

Joop Hessels

Executive Director, Head of Green Bonds

Joop is fully focussed on Green, Social and Sustainability bond structuring and advisory since 2014. In his current role is head of Green Bonds, he structured and arranged ABN AMRO's award winning green bond program and supports the further development of the sustainable markets via the development of the world’s first sustainable shipping loan for Anthony Veder and CBI certified OVG green real estate loan. He is supporting several FIG and Corporate issuers like DKB, Berlin Hyp, SEB and TenneT as green bond advisor. Joop is founding member of the GRESB green bond working group and representing ABN AMRO as member of the Green Bond Principles. He is an active member of the Energy Efficient Mor ... (view full description)

Krishan Hirani

Head of Secured Funding
Nationwide Building Society

Krishan is responsible for the planning and execution of term wholesale funding at Nationwide, the world’s largest Building Society. Nationwide has a diverse range of funding options across secured/unsecured and public/private markets. Other day-to-day responsibilities include management of Nationwide’s two secured funding programmes. Krishan has five years of funding experience at Nationwide after joining in 2012 following his masters degree in Finance and Accounting.

Kaire Husu

Treasury & ALM, Projects and Risk Management
Luminor Bank AS

Kaire Husu is working in Treasury Risk management and Project unit manager in Luminor Bank, which is based in Estonia. She is working with different funding programs and securitizations projects and she played a key role in launching the EMTN and covered bond program for Luminor Bank. She is coordinating the covered bond working group in the Estonian Banking Association and she has also worked with investors and credit rating agencies’ relations.She has more than 20 years of experience in the financial industry, which mainly focused on the Risk management and the Treasury area. Before joining Luminor Bank in 2017 she worked 2 yea ... (view full description)

Gordon Kerr

Head, Structured Finance Research Europe
DBRS Morningstar

Gordon Kerr heads Global Structured Finance Research at DBRS Morningstar. He publishes commentaries and insights on all aspects of secured investing and keeps the market up to date on issues facing securitization and covered bonds. Gordon heads up the DBRS Morningstar ESG Credit Education committee, a global project to expand the credit rating agencies thought leadership with regards to ESG issues. Prior to DBRS, Gordon spent 9 years in research and trading at Citi, covering securitized products, covered bonds and corporate credit. Gordon is a graduate of the Schulich School of Business Toronto where he obtained his MBA. He also holds a science degree from Acadia University. ... (view full description)

Jacek Kubas

Associate Director
European Bank for Reconstruction & Devel.

Jacek Kubas is an Associate Director in the London office of the European Bank for Reconstruction and Development, working in the EBRD’s Capital Markets Development Team and heading up the Innovation sub-team.  Jacek specialises in debt capital markets (big focus on covered bonds); derivatives and sustainable finance - including legal and regulatory. The new venture and passion is Innovation and Financial Technology. Jacek worked on covered bonds reforms in Poland, Romania, Estonia and Slovakia that resulted in a billion EUR investment in covered bonds and is currently leading covered bonds reforms in Bulgaria, Latvia, Lithuania, Croatia and Ukraine. Jacek works on Fintech ... (view full description)

Dr. Frederik Kunze

Markets Strategy and Floor Research, Senior Analyst Covered Bonds and Financials

Dr Frederik Kunze joined NORD/LB in 2009 and is currently working as fixed income floor analyst, focusing on covered bonds and unsecured bank bonds. He provides market comments as well as trading strategies for the fixed income market. Before joining NORD/LB’s Market Strategy and Floor Research team in 2018 Frederik Kunze worked as economist as well as senior credit portfolio manager at NORD/LB.

Martin McKinney

Senior Manager
Santander UK

Matthias Melms

Head of DCM & Syndicate FI & SSA

Matthias Melms is Head of DCM & Syndicate FI & SSA at Helaba. As the central bank for saving banks of the Federal States of Hesse, Thuringia, North Rhine-Westphalia and Brandenburg, Helaba is representing 40 percent of the German saving bank sector. Matthias joined from NORD/LB where he built up a several times awarded research as Head of Covered Bond & SSA Research and Co-Head of Fixed Income Research. Matthias is a Certified International Investment Analyst and a Certified Credit Analyst (CCrA). Furthermore, he holds a degree in banking (Dipl.-Betriebswi ... (view full description)

Taiga Nagao

Debt Strategy & Issuance Group | Investor Relations Dept.
Sumitomo Mitsui Financial Group

Taiga Nagao is Vice President of Debt Strategy and Issuance Group at SMBC and SMFG, executing bond issuances including covered bonds as well as senior unsecured bonds.

He joined SMBC in 2009 and has focused on debt issuances in capital markets with broad experience in issuer, syndicate and DCM business. Prior to his current role at SMBC Tokyo, he had worked at SMBC Nikko Securities America as DCM in New York from 2015 to 2019.

Ian Perrins

Secured Funding
NatWest Treasury

Armin Peter

Global Head Syndicate, Sustainable Banking

Armin Peter Head of Covered Bond Business and Syndicate UBS Investment Bank Career history 2006- : Head of Covered Bond Business and Syndicate, UBS 2004-06 : Director Public Sector Syndicate and Head of Covered Bond Syndicate, HSBC 2001-04 : Head of Agency/Covered Bond Trading, HSBC France 2000-01 : Covered Bond Trading, CCF Paris 1997-00 : Covered Bond Trading, HSBC Trinkaus & Burkhardt Düsseldorf 1995-97 : Fixed Income Broker, PMP Wertpapiermakler GmbH Frankfurt 1988-95 : Volksbank Ettlingen eG, Germany Armin Peter is Head of Covered Bond Business and Syndicate, a position to which he was appointed in August 2006, following a more than 8-year history at HSBC where he built the Covered ... (view full description)

Filipe Pontual

Managing Director
ABECIP - Associacao Brasileira Das Entidades De Credito Imobiliario E Poupanca

Managing Director of ABECIP. Member of the Executive Board of the CNF – the National Confederation of Financial Institutions, of the Board of Trustees of the FTGS (Workers’ Severance Pay Fund), and member of the Construction Industry Council of FIESP the Industry Federation of the State of the State of São Pa ... (view full description)

Maureen Schuller

Head of Financials Research
ING Commercial Banking, Financial Markets

Maureen Schuller is Head of Financials Sector Strategy at ING. She has headed ING’s covered bond research efforts since 2012 before becoming responsible for ING’s financials sector research in 2015. Maureen’s personal research focus remains dedicated to the covered bond market. She repeatedly publishes comprehensive reports on regulatory and structural developments, covering covered bonds on a global scale. Maureen is a regular speaker on both internal and external events, and also an active member in different ECBC working groups, such as the Global Issues and Factbook working groups. ... (view full description)

Aaron Seaton

TAO Solutions

Aaron Seaton is the co-founder and CEO of TAO Solutions, a dedicated and focused provider of specialized software and processing solutions for the global financial services marketplace. Aaron possesses a unique-blend of technology and capital markets experience he brings to bear in designing and marketing niche software applications for intractable automation challenges. Prior to his founding of TAO Solutions, Aaron was the head of enterprise technology for a publicly listed niche investment bank, where he was responsible for the technological strategic direction and operations for the firm. Prior to that, Aaron was Director, Treasury Services at CGI where he oversaw complete bus ... (view full description)

Jane Soldera

Senior Vice President
Moody's Investors Service

Jane Soldera is a Vice President – Senior Credit Officer in the Covered Bonds Group at Moody’s Investors Service. She has been with Moody’s since 2003 and with the covered bonds group since 2008. She has worked on covered bond ratings in a number of jurisdictions including the UK, France, the Netherlands, Sweden, Norway and Finland. Recently she has focused on developing Moody’s covered bond legal framework reports, research, methodology and regulatory developments. Prior to joining the covered bond group she worked in Moody’s asset-backed commercial paper group, and previous to that she worked as a lawyer in the London office of Clifford Chance, specialising in securitisation ov ... (view full description)

Anna Stawowy

Bereich Treasury ∙ Fachbereich Funding & Investor Relations
Deutsche Kreditbank AG

- Studied International Economics (Diploma) at the Eberhard Karls University of Tübingen.- Employed at Deutsche Kreditbank AG (DKB) since 03/2012:o 03/12 to 07/18 as Product Manager Municipal Customers responsible for the analysis and co-design of the strategic orientation of the municipal lending business.o Since 08/18 responsible for Funding & Investor Relations in the Treasury of DKB (including participation in the Social ... (view full description)

Henrik Stille

Senior Portfolio Manager
Nordea Investment Management

Henrik Stille is a member of the DKK/EUR covered bond team within Nordea Asset Management, based in Copenhagen. He is focusing on credit bonds, covered bonds, agencies and government bonds in EUR and the domestic Nordic currencies. He joined Nordea AM in 2005 through Nordea's 2 year graduate program. Mr. Stille holds a MSc degree in Financial Economics from the University of Lund and a BSc degree in Business administration from the same university.

Natalie Swiderek

Director, Lead Analyst Covered Bonds
S&P Global Ratings

Natalie is a Lead Analyst in assigning and monitoring ratings across European jurisdiction within S&P Global Ratings Covered Bond team. She is responsible for issuers located in Germany, Austria, Hungary, Finland & Spain.  She has twenty years of experience in European structured finance having worked at S&P Global as a lead analyst across various asset classes including SME securitizations, CLOs and Covered Bonds. ... (view full description)

Bill Thornhill


Bill is editor at GlobalCapital, formally The Cover, where he has worked since 2011. Before that he was with Thomson Reuters where he worked as an assistant editor on structured finance and, earlier, as an economist and bond analyst.

He has many years experience in the financial markets, starting with Cargill where he was a cotton merchent. He also worked as a foreign exchange dealer at Barclays, Bank of America and Deutsche Bank.

He qualified from Lancaster University with a Masters in Business Analysis.

Arjan Verbeek

Co-Founder and CEO

Arjan Verbeek has more than 25 years’ experience in the financial markets in a variety of positions including at Moody’s, Barclays Capital and BNP Paribas. Arjan has extensive knowledge of the securitisation and covered bond markets in many of countries.  He was a member of the FSA standing group which established the UK covered bond legislation in 2003 and the establishment of the mortgage ACS framework in Ireland. Most recently Arjan co-founded Perenna, which is establishing the first UK covered bond bank in the UK.

Bodo Winkler-Viti

Head of Funding & Investor Relations
Berlin Hyp AG

Bodo is Head of Investor Relations & Sales at Berlin Hyp AG in Berlin. Apart from being responsible for the bank’s relations to investors and rating agencies, and the sale of customer derivatives, he also accounts for Berlin Hyp’s green bonds business.   Before joining Berlin Hyp in 2010 he worked as a division manager at the Association of German Pfandbrief Banks (vdp) responsible for Pfandbrief and capital markets issues. Prior to joining the vdp in 2004 Bodo was an asset manager with Deutsche Kreditbank AG where he was in charge of the bank’s fixed income portfolio. After starting his career at GrundkreditBank, Berlin in 1994 he worked as a money market trader at Berliner ... (view full description)

Lucette Yvernault

Head of Fidelity Systematic Fixed Income Investments
Fidelity International

Lucette joined Fidelity in 2017 and is responsible for leading the Portfolio Engineering Group (PEG) within Fixed Income. Lucette has 16 years of investment experience and has a strong experience of managing customised solutions, designing tailored portfolios and developing advanced strategies to meet client needs in the Insurance, Pension Plan, Smart Beta and Income industry. Prior to Fidelity, Lucette held a range of senior positions within asset management. During her 11 years with Schroder Investment Management, Lucette was Lead Global Credit, Global Multi Asset Income and Smart Beta Portfolio Manager. Lucette was responsible for managing Investment Grade, High Yield and Emerging M ... (view full description)

Alexander Zeidler

Vice President -Senior Credit Officer, Covered Bonds
Moody's Investors Service

Alexander Zeidler is a Vice President - Senior Credit Officer at Moody’s in London. He coordinates Moody’s efforts in the Nordic covered bond markets Sweden, Denmark, Finland, Norway and in the Baltic countries. Furthermore, he is responsible for a portfolio of covered bond programmes in Norway and Switzerland and was previously leading the analysis of the covered bond markets in Austria and Luxembourg. As a senior member of the analytical team, Alexander has coordinated and contributed to a number of publications and regularly speaks at investor and industry conferences. Prior to joining Moody’s EMEA Covered Bonds team in 2010, Alexander was responsible for a portfolio of CMBS t ... (view full description)
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  • Registration, Free Trials & Subscriptions

    When you register with our website and/or sign up for a free trial of our products or services, we may ask you to provide your name, address, email address and telephone number, and details relevant to your occupation or employer.

    If you subscribe to one of our products or services, we will also ask for payment details. Credit/debit card payments are processed using a third party supplier and we do not retain the credit card data (see the Third Party Sites of this Privacy Notice). Address details may be shared with third party service providers engaged by us for order fulfilment, delivery and payment collection. This personal data is used by us to complete subscription requests.

  • Events & Conferences

    If you have registered for an event through a group website we may collect personal data including: name, job title, company, address, telephone number and email.

    This information is necessary so that we can complete your registration for the event and provide you with relevant event materials.

    We may also provide delegate details (e.g. name, email) to event sponsors who, subject to your consent, may contact you for their own advertising and marketing purposes.

  • Advertising & Marketing

    We use the personal data you provide us and which we collect from you to inform you about similar products and services which we provide. We may send you marketing communications that are sponsored by our partners and which are targeted to your interests based on information you have provided us such as job title, employer and/or industry. If you have consented to receive information from other Euromoney group companies, we may share your personal data with these companies so that they can fulfil your request to receive marketing materials in accordance with your preferences. We will not share your personal data with any third parties for their own marketing purposes unless you have provided your consent.

    Each of the Euromoney group companies that may contact you is a data controller in relation to the personal data that you have agreed to share with them. If you have any questions or concerns, you may contact the individual company, or us – using the contact details set out in the “Who We Are” section.

    You can opt out from receiving such materials at any time.

    The personal data we may use for advertising and marketing purposes includes your name, email address, job title, phone number, company name/employer, geo location, postal address and data collected using cookies and other similar technology (Please read our separate Cookies Policy to find out more about which cookies we use, how they work and how you can control your cookie options).

    Marketing materials are sent electronically, by post and we may occasionally call you.

  • Online Targeted Advertising

    We use targeted advertising on our websites to display advertisements that are relevant to what we believe are your interests. In order to deliver relevant advertisements, we use third parties to deliver cookies that collect information about your IP address and how you interact with our sites (e.g. browsing information, which articles you have read etc.). This data is used by the third parties to determine which advertisements may be of interest to you.

    We may also share your personal data with third parties to deliver targeted advertising to you on other websites (e.g. Twitter Tailored Audiences or Facebook Custom Audiences). This could include your email address, cookie data, and information obtained from third parties. Third party cookies may also be used to enable us to target advertisements to you on other websites that you visit.

  • Lead Generation and Scoring

    We occasionally use the services of trusted third parties in order to ensure that the personal data we use for advertising and marketing purposes is accurate and up-to-date. To do this, we transfer personal data of individual leads (such as name, email, job title, location and phone number) to these third parties who conduct research to verify the data – primarily against public information.

    We also use algorithmic software technology to help us improve the quality and relevance of marketing activities. The personal data analysed by the software includes email address, phone number, job title, address, purchase history and account information. This allows us to provide meaningful offers that are relevant to your specific profile.

  • Surveys, Market Research & Customer Feedback

    We want to understand the needs of our readers and customers. We may therefore use the information you provide us – including your name and contact details – to contact you to request your feedback, or to participate in our customer and market research.

  • Public forums, message boards and blogs

    Some of the pages on our group websites may include message boards, blogs or other facilities for generating content from users. Any information that is disclosed in these areas becomes public information and you should always be careful when deciding to post any personal data. User generated content is also subject to our site Terms & Conditions.

  • Business or Asset Sale

    If we sell a business or assets we may need to disclose your personal data to the prospective buyer of such business or assets.

    If Euromoney, or any of our group companies is sold or sells our assets or is acquired by a third party, then personal data about our customers will be acquired by that third party. A transfer of your personal data in these circumstances would be necessary so that the services you have contracted for can still be delivered, or so that you can continue to enjoy the benefits of our free products and services. You will receive notice if a new controller assumes responsibility for your personal data.

  • Additional Third Party Disclosures

    We may disclose your personal data to other third parties in the following situations:

    • To third party partners who help us by providing services such as technology, marketing, advisory or other services. These third parties only receive encrypted data and may only process personal data to provide those services to us.
    • Where we are required by law or regulation to do so. In each case we will seek, where practicable, to minimise the amount of data that is disclosed.
    • If required to protect the rights and interests of other users and/or Euromoney and its affiliates (including our employees, agents and contractors), or as otherwise set out in our Terms & Conditions. This may include exchanging information with other companies and organisations for the purposes of fraud protection.
  • Email Tracking

    We may include small pixel tags (small image files) within the emails we send you in order to determine whether our emails are opened and/or whether the hyperlinks inside our emails are clicked through. We may also collect browser, location and the device used to engage with our email communications. This information allows us to better understand whether we are meeting our users’ needs and how we can improve our communications. No other information is collected. You can opt out of receiving our direct marketing emails either by following the instructions in each email, or by contacting us (see the “Who We Are” section of this Privacy Notice).

International Transfers

Some of the Euromoney group companies are based outside the European Economic Area (EEA). If you have consented to being contacted by our group companies, then the transfer of your personal data will be made according to the terms of an international data sharing agreement that contains obligations approved by European data protection regulators. Any of our group companies that receive your personal data will be co-controllers of that data, which means they may determine how they process your personal data – although they may only use it for the purposes for which it was shared, unless you are informed of new or additional processing activities.

We may also transfer personal data to third party service providers as described in this Privacy Notice which are located outside the EEA. Where we conduct these transfers, we take all steps necessary to ensure that your data is treated securely and in accordance with applicable privacy legislation, either by only sending your personal data to jurisdictions that provide an adequate degree of legal protection for your data or by imposing approved contractual terms on these third parties.

Retention Periods

We have a data retention policy that ensures we don’t use or store your personal data for longer than necessary. We consider the following issues to determine retention periods:

  • Guidance from the UK Information Commissioner or other regulatory agency, or industry best practice recommendations;
  • The business rationale for collection and expiry of the purpose for which personal data was collected;
  • Our ongoing ability to ensure the accuracy of the data; and
  • Legal and regulatory requirements.

We may occasionally need to keep personal data for either shorter or longer periods than specified in our retention policy. In such circumstances, application of the retention period to the data will be temporarily suspended. The suspension of an applicable retention period will be carried out in a manner that respects the rights and interests of all persons concerned.

How You Can Set Your Data & Privacy Preferences

You can use our Preference Centre to select the topics that are of interest to you so that we can send you publications and information about our products and services that are especially relevant to you. You can also choose the channels we use to contact you (email, phone, post, etc.) and can also opt-out of receiving marketing communications.

Your Rights

You have certain rights in relation to your personal data which include the following:

  • Access & Portability

    You may request access to any personal data of yours for which Euromoney is responsible as controller. Unless there are legal or regulatory reasons for not doing so, we will confirm whether we process any of your personal data and if we do, we will provide you with the following information: the purposes of the processing, the categories of personal data, any recipients of your personal data, the applicable retention period and the data source. Copies of your personal data will be made available to you in a structured, machine-readable format.

    You may also request that we transfer the personal data that you have submitted to us, to another controller, where it is technically feasible for us to do so.

    If you have consented to our processing of your personal data, or if we are processing your personal data in order to fulfil our contractual obligations to you, then you can submit a request that we transfer your personal data to another data controller.

  • Rectification, Restriction, Objection

    You have the right to request that Euromoney rectify any errors in the personal data that we process. In some circumstances, you may also be able to ask for the erasure of personal data, and/or request that the processing of your personal data be restricted. You may also object to the processing of your personal data for sales or marketing purposes.

  • How to Exercise Your Rights

    To exercise any of these rights, please contact us by post or email at the following addresses:

    Euromoney Institutional Investor PLC
    8 Bouverie Street
    London, EC4Y 8AX
    United Kingdom


    Web form: Complete Subject Data Request Form

    We may need to check your identity prior to processing a request.

    Euromoney will do our best to respond to any questions and address any of your concerns. You are also able to register any complaints regarding the processing of your personal data directly with the UK Information Commissioner.

Protecting Your Data

Euromoney is committed to keeping your personal data secure and we will take appropriate technical and organisational measures to protect your personal data from loss, unauthorised use, disclosure or destruction. Although we do our best to protect your personal data, we cannot guarantee that any transmission of data is without risk. We have therefore implemented information security policies and rules, staff training on information security, and technical measures to ensure the integrity of data that we have under our control.

All our employees, contractors and data processors (i.e. those third parties that process personal data on our behalf) are required to keep such data confidential and not to use it for any purpose other than the performance of services we have requested.

Third Party Sites

Our site may contain links to other websites – including, for example, providers of payment processing services. Euromoney is not responsible for the privacy and data collection practices of third party sites and we therefore recommend that you review the privacy policies and terms of service of each site you visit.

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