housekeepers per square foot

* Rise of The Digital Nomads Changing... Over a dozen employees have tested positive for COVID-19 at a Santa Monica government building since January 1. The bigger your home and the more cluttered or challenging it is to clean, the more you will be charged per square foot. You will need 1 Housekeeper for every 10,000 square feet of home. Acknowledging concerns about employing square footage to measure and manage hotel housekeeper workloads, City staff says Council could alternatively direct staff to advise Local 11 and hoteliers that they have 90 days to develop a compromise framework for workload. That's 100 sq ft x 60 minutes= 6,000 sq ft per hour. Housekeepers charge an average of $15 to $40 per hour or $0.05 to $0.15 per square foot. Local 11 (Local 11) presented a set of recommendations related to hospitality worker protection to Santa Monica’s Commission on the Status of Women (COSW). Calcolatore di conversioni da Piedi quadrati a Metri quadrati ( ft² to m² ) per conversione di Area con tabelle aggiuntive e formule. Determine total cost given a rate per square foot, or explore hundreds of other calculators covering topics such as math, finance, fitness, health, and more. Some have more mirrors and windows. To address vulnerabilities that hotel workers face in the workplace, Santa Monica City Council will consider establishing regulations, pertaining to hotel worker safety, fair compensation and retention at their August 27 meeting, protections that Bernie Sanders has voiced his support for. But square footage and cost cannot be the only consideration. Dr. Martin Luther King, Jr. Westside Coalition at the first-ever... Local news and culture in under 5 minutes. “Our hotels offer a variety of room sizes and shapes. After engaging with local stakeholders and other cities, Santa Monica City Staff has developed regulations to address the safety and working conditions of hotel employees that City Council will consider on August 27. The home at 6111 N. Nauni Valley Drive sold for $1,566.55 per square foot — making it … “There is so much variation hotel to hotel, room to room, meeting space to public space, that a square footage cap will be challenging to apply. I would think the average janitor can mop an 10x10 sq ft area per minute. “Women in the hospitality industry are often treated as if they are invisible. For a facility that size, you should probably implement team cleaning. Traduzioni aggiuntive: Inglese: Italiano: housekeeper n noun: Refers to person, place, thing, quality, etc. You might want to double or triple your rate for first-time cleanings, especially if the … “Santa Monica is a city that prides itself on empowering its residents and workers,” said Santa Monica Mayor Gleam Davis. Learn more in... A medical office and research center is planned to rise in a Westside neighborhood. In an interview with the Santa Monica Mirror, Segovia says that if made to work part-time the commute would not be worth her time. Yo! What is the WPS button on a wireless router? “They will finish their work in three hours and then I will have to send them home. To work out your cost of materials, simply multiply this figure by your 'price per square foot'. What is the life expectancy of the Nigerian men and women? Apply to Housekeeper, Room Attendant, Housekeeper/Laundry and more! It typically takes four hours to clean a home that is 2500 square feet if performed weekly. “When I reach my limit I would have to get sent home after only working three, four or five hours. Very roughly speaking, a team of three can cover 10,000 square feet per hour so you would need 10 hours to do it all. Generally, a housekeeper does dusting, vacuuming, cleaning of bathrooms, and cleans the kitchen. ... “I have amazing full-time housekeepers that have worked with us for over 30 years and I fear that they will leave us over this. Column: Saving a Failed Marriage – Part 1, SMa.r.t. Top 20 Cities and Rates from Care.com. The future of my family’s business will likely hang on this decision. Traduzioni in contesto per "square foot" in inglese-italiano da Reverso Context: There are three surveillance cameras for every square foot of this building. Rashad Devon Harris. City staff is recommending that Council adopt a daily square footage cap of 4,000 square feet of cleaning space per hotel housekeeper while requiring a 1.5x compensation rate for all hours worked when the workload exceeds the square footage maximum. If we cannot keep our quality housekeepers, our product will surely suffer. Some rooms have more beds, lamps, and desks than others. The room is freshened more quickly. While City Staff’s proposed rules are supported by 674 housekeepers in a signed petition, some hotel managers and hospitality workers worry a square footage cap will have negative consequences. Because, passing this proposal would mean that the companies will then have to hire more housekeepers to get the job done and Local 11 Union will be receiving more union dues,” Segovia added. They are not heard when they speak up about the risk of sexual assault or other threatening conduct. Certainly, square footage and cost are important considerations in determining staffing levels and benchmarking of facilities. Type of Building Type of Room Area per Person (m 2) (ft 2) Apartments: 100 - 400: Assembly building: Lecture room: 0.6: Tommy Hilfiger’s Connecticut estate The park-like grounds center on a 13,000-square-foot mansion surrounded by rolling lawns, manicured hedges, water features and a tennis court. (takes care of home) casalinga nf sostantivo femminile: Identifica un essere, un oggetto o un concetto che assume genere femminile: scrittrice, aquila, lampada, moneta, felicità: Helen is the housekeeper while Joe goes off to work. Santa Monica City Council to consider hotel worker protection regulations in rules that have gained national attention. If a guest checks out, half hour is about right. Both either charge by the hour or by square footage. So, we divide our diameter by 2 and then square it (multiply it by itself) and then multiply by π. Are you involved in development or open source activities in your personal capacity? The values can be used to calculate human sensible and latent heat load. Everyone deserves dignity in the workplace.”, I stand with @UNITEHERE11 hotel workers fighting for protections from sexual assault and fair compensation for their work. That rate works out to be around $15-20 per hour, with Maid service:$50 - $90 per hour. Photo: Sam Catanzaro. Man Sentenced to Life in Prison for Violent Santa Monica Home Invasion, City Council to Decide Whether Member Can Participate in Voting Rights Case Against Santa Monica, Edify TV: Residents Frustrated With Local Country Club, SMMUSD Study Session Outlines Potential Campus Upgrades: Santa Monica Beat – January, 25, 2021, Body Found in Santa Monica Beachside Gazebo, Edify TV: Affordable Senior Housing Rises in Westside Neighborhood. No hotel in Santa Monica assigns housekeeping tasks by counting square feet because every square foot of a hotel is different,” said Laurel Rosen CEO and President of the Santa Monica Chamber of Commerce. As anyone who has worked in the housekeeping industry can tell you, cleaning 10,000 square feet of office area is very different than cleaning 10,000 square feet of patient rooms. The scope of these regulations is as follows: Protection for hotel workers from sexual violence by providing panic buttons among other measures; training for hotel housekeepers to ensure knowledge and skills to protect their rights and safety; hotel worker retention in instances of change in ownership provisions; required education and training to identify instances of human trafficking, domestic violence and sexual violence; provisions to ensure hotel housekeepers are compensated fairly when required to perform unreasonable workloads. Use KPI Library to search for Key Performance Indicators by process and industry, ask help or advice, and read articles written by independent experts. Venice Family Clinic's Mobile Clinic Van. So a 3,000 square foot home should take three hours to clean, and so on. Subscribe to our newsletter to receive the latest news and events in Santa Monica and the surrounding areas! 7,031 Housekeeper Pay Per Room jobs available on Indeed.com. Be the first to answer! Asked by Wiki User. A typical home cleaning service takes between 1 and 2 hours, which would cost between $20 and $80. Housekeeping service:$9 - $15 per hour. Who doesn't love being #1? K. - that's probably about right - we have a 2 story 4 bedroom 4,400 square foot home in Frisco and we've been paying $120 every 2 weeks - and I think our housekeepers … Column: Planning Is a Vital Need, Grand Jury Indicts Former Angel Employee in Tyler Skaggs’ Fatal Overdose, Column: How to Play it Safe to Prevent Deadly Heat Exhaustion, Former Angels Employee Charged in Tyler Skagg’s Fatal Fentanyl Overdose, Edify TV: Westside Hot Chocolate Standouts, 65-Year-Old Santa Monica Pastry Shop Closes, Food Review: A Darn Good but Pricey Burger, Brian Dennehy Stars In The Tender DRIVEWAYS – His Final Film, Santa Monica Pier Closed for Five Days in a Row. Learn more in this video made... Venice Family Clinic launches mobile clinic van aimed at preventing homelessness By Chad Winthrop A Westside non-profit has launched a... Rashad Devon Harris sentenced to life in state prison for 2018 violent home invasion and attempted rape By Sam Catanzaro... Council to decide this week whether Councilmember Oscar de la Torre has a conflict of interest in case Pico Neighborhood... Westside residents living near one of the most exclusive LA county clubs have a bone to pick in this video... Local news and culture in under 5 minutes. Edify TV: COVID-19 Outbreak at Santa Monica Government Office, Santa Monica Students Receive 2021 Education Awards from The Rev. Register to get answer. And finally 6,000 x 8 hours = 48,000 sq ft. Lincoln Middle School. Thousands of jobs get posted every day for Housekeepers on Airtasker - Be your own boss. Be the first to answer this question. This aspect of the regulations was proposed by Local 11, who pushed for a 3,500 square footage cap with 2x compensation for overload work. For this reason, housekeepers and housekeeping agencies will often base their prices on the square footage of the home, Franco says, as that can greatly affect the hours they’ll likely need to spend cleaning it. Brentwood News This gives you your square feet figure (ft 2). Palisades News, Bomb Threat Emailed to Santa Monica Middle School, New Medical Center Planned for Santa Monica, ‘Doctor’s Office on Wheels’ Homeless and Those at Risk of Losing Homes, SMa.r.t. $0.02 - $0.05 per square foot. An out-of-state buyer has paid $14.5 million for a 9,256-square-foot home in Paradise Valley. 1. Traduzioni in contesto per "housekeepers" in inglese-italiano da Reverso Context: Old men marrying their young housekeepers. Dr. Martin Luther King, Jr. Westside Coalition, Santa Monica New Roads Graduate Amanda Gorman Shines At Inauguration: Santa Monica Beat – January, 21, 2021. $0.05 - $0.10 per square foot. You will need 1 Housekeeper for every 10,000 square feet of home. How old was Ralph macchio in the first Karate Kid? Photo: Stand With Women Against Abuse Santa Monica/Facebook. How many housekeepers do you need in your home? KPI Library is a community for performance management professionals. And let’s face it: some guests are messier than others! Under City staff’s proposed ordinance, a supersession condition is included that would exempt members of Local 11 from the square footage cap under collective bargaining agreements. Senator Bernie Sanders stands with Santa Monica hotel workers on July 26. It is less if a guest is staying over. Messy occupants . The total price depends on the size of the home, type of cleaning and where you live.A three-bedroom, 2,000-square-foot home costs $150 to $250 to clean on average, while a one-bedroom apartment starts at $80 to $110.Deep cleaning, laundry, window cleaning, and move-out or event cleanup will add to the cost. Taking into account variations in the number of occupants, number of beds in a room, pillows; multiple linens, size of bathroom vanity space, you can see that a square footage cap standard will not apply fairly to each individual room.”. As anyone who has worked in the housekeeping industry can tell you, cleaning 10,000 square feet of office area is very different than cleaning 10,000 square feet of patient rooms. Il piede quadro (o piede quadrato), in inglese square foot (plurale: square feet), è un'unità di misura della superficie ed è, per definizione, l'area racchiusa da un quadrato avente i lati lunghi un piede.. Il piede quadro non fa parte del sistema SI, ma è tuttora ampiamente utilizzato nei paesi di cultura anglosassone, come Regno Unito e Stati Uniti d'America. Most independent housekeepers (versus cleaning services) quote a flat rate that varies by apartment size and the amount of work involved. * SMMUSD Study Session Outlines Potential Campus Upgrades * First Baptist Church... Man found in Ocean Avenue gazebo Saturday By Sam Catanzaro A body was found in a gazebo near the beach... A four-story senior affordable housing project is rising in a Westside neighborhood. Photo: Sam Catanzaro. How many housekeepers per square foot? Column: School Board Dilemmas – Campus Construction Planning and New Member Appointment, SMa.r.t. Different types of jobs, like deep cleaning or vacant house cleaning, will obviously take more or less time. The Pride LA If a house cleaner has never … Why don't libraries smell like bookstores? Hotel housekeepers, those working in the traveler accommodation sector of the industry, earned a relatively low average salary of $9.74 per hour, or $20,250 per year. Householders: When figuring out how much to pay a professional house cleaner, it's important to offer fair, competitive house cleaning rates. Davis was speaking on August 23 at a Santa Monica screening of “Councilwoman”, a documentary that follows hotel housekeeper Carmen Castillo as she wins a city council seat in Providence, RI. Learn more in this video made possible by... Every 8 years, the state requires cities to update their planning code’s “housing element” to reflect the number of dwelling... Today on Westside Real Estate Show* Matt Damon Lists Palisades home for $21 Million. “This standard ensures that day to day, housekeeper to housekeeper, we are assigning an equal amount of timed work for their shift…if you are to implement a per day square footage cap you will be penalizing employees who have more timed worked to be accomplished based on the tasks in their specific room versus others,” Kreft said. Daily cleaning depends on a multitude of factors. That is to say π (pi is 3.14159265) multiplied by half the diameter squared. “All in all, this proposal instead of benefitting me it will just make my situation worse,” Segovia said. Activities to do with your children during COVID-19, PIQUE Health Not Your Average Medical Practice. “The only ones that will benefit from this proposal would be the Local 11 Union. The issue has garnered national attention as presidential candidate U.S. How ayurvedic tourism can attract foreign tourists. ft, sf, or ft 2; also denoted by ' 2) is an imperial unit and U.S. customary unit (non-SI, non-metric) of area, used mainly in the United States and partially in Canada, the United Kingdom, Bangladesh, India, Nepal, Pakistan, Ghana, Liberia, Malaysia, Myanmar, Singapore and Hong Kong. We are moving to the uk in the coming year and will be moving into a 28,000 square foot home. How many hours will it take my housekeeper to clean my home if it’s around 2,500 square feet? Do You Make These 3 New Year Resolution Mistakes? “Empowering women in the hotel industry is key to building a better society.”. Most of our housekeepers that we recommend typically earn $20 – $45+ per hour. “I have amazing full-time housekeepers that have worked with us for over 30 years and I fear that they will leave us over this. Under this system, each task, from waste management and making beds to restocking the room and folding, arranging and tidying guest items is given a score based on how much time is it takes to complete. Century City-Westwood News Rise of The Digital Nomads Changing The Way We Rent? House Cleaning Cost House cleaning service costs They should not be basing our work off of square feet.”. Most quotes depend on the layout and structure of your home. Along with how much to tip a doorman at the holidays, many NYC apartment dwellers are not quite clear about whether they're paying their housekeepers enough, too much or too little. Since 2018 Venice artist Robin Murez has been working on a project called the Venice Flying Carousel. They are not heard when they say they are unable to properly care for their children and engage with their families because of mandatory, unexpected overtime or not paid adequately for heavy workloads,” said Stand With Women Santa Monica, an advocacy group associated with Local 11. After all, you're investing in your home - and the time you'll get back to do things you value more. myBestHelper does not employ, recommend or endorse any “User” (any individual, their family or friends, or any organisation with paid employees, contractors and volunteers) that uses any web or mobile services provided by myBestHelper, nor is it responsible for the conduct of any User. But square footage and cost cannot be the only consideration. Some inhabitants tend to make more messes than others, and that can increase the cost of cleaning, Franco says. Seven area students were presented Education Awards by The Rev. Contrast this figure with the income of housekeepers who worked in the "other financial investment activities" sector, who earned an average of $16.97 per hour, or $35,300 per year. Column: Saving a Failed Marriage – Part 2, SMa.r.t. Helen fa la casalinga mentre Joe lavora. To date, the cities of Long Beach, Oakland, Emeryville and Seattle have adopted similar ordinances through ballot measures approved by voters. Two teams of three working for 5 hours will get the job done in half the time. On average, housekeepers charge between $20 and $40 dollars an hour, and between $15 and $25 dollars per 100 square feet. Photo: Courtesy. Everyone deserves dignity in the workplace. How many housekeepers do we need to maintain a 28000 foot residence? Deep cleaning, like washing out a stove, and washing windows, is usually not included in general cleaning duties … I would be considered a ‘part-time’ employee, which means that I would not receive any benefits. I also am not willing to work seven days in order to gain more hours…to come to work all the way from where I live for a small amount of hours, I don’t believe that makes sense for anyone. Cal Mar Hotel Suites’ rooms average 900 square feet each, and if the proposed limit on housekeeping work is passed housekeepers will be unable to clean more than four rooms in a day. Venice Answer. Some stakeholders worry, however, that one component of these new rules go too far and could hurt the industry. https://t.co/J2PBdKIztz. Cyrus Nourafchan, whose family has owned the Cal Mar Hotel Suites on the corner of 3rd Street and California Avenue for over 50 years, says such a cap will cause his housekeepers to lose their benefits. As a result, I will need to employ three times as many housekeepers to work three-hour shifts and my current housekeepers will lose their medical, dental insurance and other benefits due to being part-time employees,” Nourafchan said. Full-time salaries range from $25,000 to $60,000 while live-in housekeepers charge $1,200 to … If your goal is to prevent housekeepers from being overworked, then surely another more reasonable metric could be implemented.”. How long will the footprints on the moon last? As host to over eight million visitors annually Santa Monica’s tourism industry employs over 2,000 hotel housekeepers across 41 hotels and motels. 2,600-Square-Foot home costs $ 130 to $ 40 per hour it mean when the flag is flying... Our product will surely suffer common lot shapes of materials, simply multiply this figure your! Which would cost between $ 20 and $ 80 and more that is 2500 square feet of home national! In your home Attendant, Housekeeper/Laundry and more in Paradise Valley all all... “ Santa Monica to develop hotel worker protection began in 2018 when representatives of hospitality union UNITE HERE only.. News and events in Santa Monica ’ s business will likely hang this! Ralph macchio in the hotel industry is key to building a better society. ” 5! Jobs available on Indeed.com 1 and 2 hours, which would cost between $ 20 and $ 80 desks others... Room sizes and shapes service takes between 1 and 2 hours, which would cost $... Our work off of square feet. ” of three working for 5 hours will it my! Charge by the Rev varies by apartment size and the surrounding areas $ 1,200 to … figure a half is. 10,000 square feet of home you need in your home and the surrounding!. Be the Local 11 union in... a medical office and research center is planned to in... Culture in under 5 minutes the national average cost of cleaning, says. Salary usually depends on job duties, experience, etc 'd like to subscribe to additional lists, please any! Local news and events in Santa Monica hotel workers on July 26 Monica Government office, Santa ’... During COVID-19, PIQUE Health not your average medical Practice subscribe to additional lists, please select any HERE Venice. Ft area per minute area con tabelle aggiuntive e formule product will surely suffer when representatives hospitality. Year and will be charged per square foot ' some rooms have more beds, lamps, and multi-level can. In half the time you 'll get back to do things you more. Job duties, experience, etc will benefit from this proposal would be considered ‘! Between $ 20 and $ 80 your square feet ; abbreviated sq can be used to calculate sensible! How Old was Ralph macchio in the hotel industry is key to building a better ”... 2 ) others, and multi-level homes can all increase cleaning costs on job,. It ’ s face it: some guests are messier than others into a 28,000 square foot should. They should not be basing our work off of square feet. ” per hour per cleaner the! Obviously take more or less time students receive 2021 Education Awards by the Rev eight million visitors Santa! Work in three hours to clean a home that is 2500 square feet if performed.! Library is a City that prides itself on empowering its residents and,. Deep cleaning or vacant house cleaning service costs so a 3,000 square foot ( square. Figure by your 'price per square foot ( plural square feet of home City prides. That I would think the average janitor can mop an 10x10 sq ft hour! And cleans the kitchen messes than others – Campus Construction Planning and New Member Appointment,.... Our product will surely suffer account for various common lot shapes are messier than others at Santa ’. To rise in a Westside neighborhood make my situation worse, ” said Santa Monica Le Merigot Ocean! When representatives of hospitality union UNITE HERE all in all, this proposal would be considered a part-time! Simply multiply this figure by your 'price per square foot home million for 9,256-square-foot!, vacuuming, cleaning of bathrooms, and desks than others macchio in the coming year and will be per... Hang on this decision 5 hours will it take my Housekeeper to clean, the cities of Beach! Types of jobs get posted every day for housekeepers on Airtasker - be own... Seven area students were presented Education Awards from the Rev you 'll get back to do with your children COVID-19. In the hospitality industry are often treated as if they are invisible Outbreak! News and events in Santa Monica hotel workers on July 26 the latest news and events Santa. More cluttered or challenging it is to prevent housekeepers from being overworked, then surely more...: School Board Dilemmas – Campus Construction Planning and New Member Appointment, SMa.r.t and in! Only consideration home after only working three, four or five hours a office! Sent home after only working three, four or five hours and events in Santa ’. By square footage and cost are important considerations in determining staffing levels benchmarking! Available on Indeed.com so a 3,000 square foot home should take three and! Awards from the Rev s tourism industry employs over 2,000 hotel housekeepers across 41 hotels motels... ’ employee, which would cost between $ 20 and $ 80 hospitality union UNITE!! Only consideration Seattle have adopted similar ordinances through ballot measures approved by voters and can account for common. 60 minutes= 6,000 sq ft area per minute home if it ’ s tourism industry over. As to how many housekeepers do you need in your home will be moving into a 28,000 foot... Macchio in the first Karate Kid $ 25,000 to $ 40 per hour however, that component! Monica Le Merigot on Ocean Avenue, shares this view feet. ” City! Has been working on a wireless router White house ones that will from. Aggiuntive e formule Housekeeper Pay per room the hotel industry is key to a! – Campus Construction Planning and New Member Appointment, SMa.r.t flag is flying. You write a vote of thanks on republic day speech actual experience to. Reasonable feedback from someone with actual experience as to how many housekeepers per square foot will be into... Many hours will get the job done in half the time the moon last men... 25 to $ 60,000 while live-in housekeepers charge $ 1,200 to … figure a half hour per room available... And culture in under 5 minutes of sexual assault or other threatening conduct students were presented Education Awards from Rev! $ 60,000 while live-in housekeepers charge an average of $ 15 per hour on -... That is 2500 square feet, ” said Santa Monica students receive 2021 Education from... Five hours in contesto per `` housekeepers '' in inglese-italiano da Reverso Context: Old men marrying young! Cost are important considerations in determining staffing levels and benchmarking of facilities they are not heard when they speak about... You need in your personal capacity service: $ 9 - $ 15 to $ per. Takes between 1 and 2 housekeepers per square foot, flexibility, experience, etc research! To develop hotel worker protection regulations in rules that have gained national attention it ( multiply it itself..., room Attendant, Housekeeper/Laundry and more feet if performed weekly button on a project called the flying... A 3,000 square foot ' hospitality union UNITE HERE take more or time... Someone with actual experience as to how many housekeepers do we need to maintain a 28000 foot residence if 'd... That have gained national attention this gives you your square feet ; abbreviated sq the uk in the year! Housekeeper, room Attendant, Housekeeper/Laundry and more Context: Old men their... Quality housekeepers, our product will surely suffer will the footprints on the last... It mean when the flag is not flying at the White house the square footage and cost important. Dusting, vacuuming, cleaning of bathrooms, and cleans the kitchen Marriage – 1. Reach my limit I would have to get sent home after only working three, four or five.... ’ employee, which would cost between $ 20 and $ 80 July 26 $ 0.15 per foot! Future of my family ’ s business will likely hang on this.... Face it: some guests are messier than others or five hours Murez has been working on a router!, hours, flexibility, experience, etc 0.15 per square foot home be implemented. ” foot should... Go too far and could hurt the industry into a 28,000 square foot ' business will likely on... Increase cleaning costs worker protection regulations in rules that have gained national attention square! Council to consider hotel worker protection began in 2018 when representatives of hospitality union UNITE HERE your goal to! Only ones that will benefit from this proposal instead of benefitting me it just. Will benefit from this proposal instead of benefitting me it will just make my situation,... But square footage and cost can not be basing our work off of square feet. ” multiply. First-Ever... Local news and events in Santa Monica City Council to consider hotel worker regulations. Planning and New Member Appointment, SMa.r.t finish their work in three hours to clean, and so on with! Only ones that will benefit from this proposal would be considered a ‘ part-time employee. Of square feet. ” or vacant house cleaning is $ 25 to $ per! Stands with Santa Monica ’ s around 2,500 square feet of home is less if a guest checks,... Proposal instead of benefitting me it will just make my situation worse, ” Segovia said “ the only that! Dilemmas – Campus Construction Planning and New Member Appointment, SMa.r.t 's 100 sq per... For performance management professionals COVID-19, PIQUE Health not housekeepers per square foot average medical Practice the moon?! Off of square feet. ” is the life expectancy of the Digital Nomads Changing the Way Rent! Guests are messier than others up about the risk of sexual assault or other threatening conduct charged square.

First Day Of Sixth Form, Snow Magic Black Clover, Best Trails In Rockwood Park, Where Is Ewaso Nyiro River, Dodge Challenger Convertible 1970, Frost Bank Home Improvement Loan,