{"id":11341,"date":"2024-07-25T15:35:51","date_gmt":"2024-07-25T15:35:51","guid":{"rendered":"https:\/\/collegeguide.co.za\/?p=11341"},"modified":"2024-07-25T15:35:51","modified_gmt":"2024-07-25T15:35:51","slug":"nedbank-bursaries-2024","status":"publish","type":"post","link":"https:\/\/uni1.co.za\/articles\/nedbank-bursaries-2024\/","title":{"rendered":"Nedbank: Bursaries 2026"},"content":{"rendered":"\n<div class=\"advads-atf\" style=\"margin-top: 15px;margin-bottom: 20px;\" id=\"advads-3669906346\"><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-9198760278752355\"\n     crossorigin=\"anonymous\"><\/script>\n<!-- Responsive ads atf -->\n<ins class=\"adsbygoogle\"\n     style=\"display:block\"\n     data-ad-client=\"ca-pub-9198760278752355\"\n     data-ad-slot=\"8381596201\"\n     data-ad-format=\"auto\"\n     data-full-width-responsive=\"true\"><\/ins>\n<script>\n     (adsbygoogle = window.adsbygoogle || []).push({});\n<\/script><\/div><p>Nedbank invites qualifying student to apply for Bursary Programme 2026 academic year.<\/p>\n\n\n\n<p><strong>Bursary Application&nbsp;Closing Date:&nbsp;<\/strong>30 September 2026<\/p>\n\n\n\n<p>Are you a grade 12 student looking to further your studies next year? Do you believe that a better future is achievable but don\u2019t have means to finance your studies? Apply for a Nedbank bursary and join a vision-led, values-driven organization that is building Africa\u2019s most admired bank.&nbsp;Bursaries are awarded to address scarce&nbsp;and future skill requirements in South Africa broadly as well as with specific focus on the financial&nbsp;sector.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">UNLOCK&nbsp;YOUR FUTURE&nbsp;&nbsp;<\/h1>\n\n\n\n<p>The aim of the bursary programme is to address South Africa\u2019s scarce-skills shortages, with a specific focus on green economy skills.<\/p>\n\n\n\n<p>The Nedbank External Bursary Programme aims to fund academically deserving students who do not&nbsp;have the financial means to study fulltime towards a first undergraduate degree or diploma at a&nbsp;South African public university or university of technology.<\/p>\n\n\n\n<p><strong>Application Criteria<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>We will only consider applications from South African citizens.<\/li><li>You must have a proven financial need, as determined by household income.<\/li><li>You must have obtained the following minimum academic results:<\/li><\/ul>\n\n\n\n<p>3.1 An average of 65% in the year that you are applying for the bursary, ie in grade\u00a012 or at university level.<\/p>\n\n\n\n<p><strong>Bursary Application&nbsp;Closing Date:&nbsp;<\/strong>30 September 2026<\/p>\n\n\n\n<p>Are you a grade 12 student looking to further your studies next year? Do you believe that a better future is achievable but don\u2019t have means to finance your studies? Apply for a Nedbank bursary and join a vision-led, values-driven organization that is building Africa\u2019s most admired bank.&nbsp;Bursaries are awarded to address scarce&nbsp;and future skill requirements in South Africa broadly as well as with specific focus on the financial&nbsp;sector.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">UNLOCK&nbsp;YOUR FUTURE&nbsp;&nbsp;<\/h1>\n\n\n\n<p>The aim of the bursary programme is to address South Africa\u2019s scarce-skills shortages, with a specific focus on green economy skills.<\/p>\n\n\n\n<p>The Nedbank External Bursary Programme aims to fund academically deserving students who do not&nbsp;have the financial means to study fulltime towards a first undergraduate degree or diploma at a&nbsp;South African public university or university of technology.<\/p>\n\n\n\n<p><strong>Application Criteria<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>We will only consider applications from South African citizens.<\/li><li>You must have a proven financial need, as determined by household income.<\/li><li>You must have obtained the following minimum academic results:<\/li><\/ul>\n\n\n\n<p>3.1 An average of 65% in the year that you are applying for the bursary, ie in grade&nbsp;12 or at university level.<ins>https:\/\/googleads.g.doubleclick.net\/pagead\/ads?client=ca-pub-7361929795902421&amp;output=html&amp;h=280&amp;slotname=3440201594&amp;adk=4096181347&amp;adf=1383978757&amp;pi=t.ma~as.3440201594&amp;w=336&amp;lmt=1627222207&amp;psa=1&amp;format=336&#215;280&amp;url=https%3A%2F%2Fwww.studentroom.co.za%2Fnedbank-bursaries-2026%2F&amp;flash=0&amp;wgl=1&amp;adsid=ChEI8Jf0hwYQoI2Jm5WOmN_oARJIAB__fWHXma6fjCQSse4aGx4UaNZYPNg_9xqDxouKED7mQ3Lqkznb_acHIkUkW0fMcaUj6wX4JWUeNeCgcy5r6OFljeCJK1Hr&amp;uach=WyJXaW5kb3dzIiwiMTAuMCIsIng4NiIsIiIsIjkxLjAuNDQ3Mi4xNjQiLFtdLG51bGwsbnVsbCxudWxsXQ..&amp;tt_state=W3siaXNzdWVyT3JpZ2luIjoiaHR0cHM6Ly9hdHRlc3RhdGlvbi5hbmRyb2lkLmNvbSIsInN0YXRlIjo3fV0.&amp;dt=1627222170919&amp;bpp=1&amp;bdt=1467&amp;idt=1984&amp;shv=r20260720&amp;ptt=9&amp;saldr=aa&amp;abxe=1&amp;cookie=ID%3D356ab479bfeb9eb5-22c8c3b545c90016%3AT%3D1625051619%3ART%3D1625051619%3AS%3DALNI_MYA2EPM9wWTEWV9HXglJ58XOZD4MQ&amp;prev_fmts=0x0%2C1200x280%2C336x280%2C239x600%2C1452x686%2C336x280&amp;nras=2&amp;correlator=6064106717827&amp;frm=20&amp;pv=1&amp;ga_vid=1354255985.1625047998&amp;ga_sid=1627222173&amp;ga_hid=1828649010&amp;ga_fc=0&amp;u_tz=60&amp;u_his=1&amp;u_java=0&amp;u_h=826&amp;u_w=1468&amp;u_ah=789&amp;u_aw=1468&amp;u_cd=24&amp;u_nplug=3&amp;u_nmime=4&amp;adx=196&amp;ady=2478&amp;biw=1452&amp;bih=686&amp;scr_x=0&amp;scr_y=0&amp;eid=20261866%2C21067496&amp;oid=3&amp;psts=AGkb-H8jpj6dBkoSedJsMrRfmDHQikMOIZB_Wzvx6Nz1kxmhqiBqJb8JmuAM0HJSqtRxG_8_VuHJmenT%2CAGkb-H_o5xsUs7VbnqJlFnMUNOUVN_u2ERR7Z4Bbl-99KfOmrvdZdtaATEawfyZXwbHhuTX5KVPR-eJ5MQ4CRw%2CAGkb-H_tmokP429bUPKqGOdy3tCE7Yd3IRkdcjt44CmsYcghyOGnVUq8ref0aaDh8xhG0vr4n5rJcGaawMBPkg&amp;pvsid=1228454491917756&amp;pem=850&amp;ref=https%3A%2F%2Fwww.studentroom.co.za%2Fcategory%2Fbursaries%2F&amp;eae=0&amp;fc=1920&amp;brdim=0%2C0%2C0%2C0%2C1468%2C0%2C0%2C0%2C1469%2C686&amp;vis=1&amp;rsz=%7C%7Cebr%7C&amp;abl=CS&amp;pfx=0&amp;fu=0&amp;bc=31&amp;jar=2026-07-25-15&amp;ifi=5&amp;uci=a!5&amp;btvi=2&amp;fsb=1&amp;xpc=fHrmyky43j&amp;p=https%3A\/\/www.studentroom.co.za&amp;dtd=36281<\/ins><\/p>\n\n\n\n<p>3.2 An average of 65% for the required subjects aligned to the degree you plan to study at university.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>We will not consider applicants who completed their grade&nbsp;12 or senior certificate with Mathematics Literacy.<\/li><li>You must have obtained admission to a South African public university or university of technology for the undergraduate qualification you plan to study.<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>How to apply<\/strong><\/h3>\n\n\n\n<p><strong>DOCUMENTS REQUIRED IN SUPPORT OF YOUR APPLICATION<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>A certified copy of your South African identity card\/document. 2. Your most recent academic transcript, ie: 2.1 Grade&nbsp;11 final results, as well as your mid-year results if you are currently in grade&nbsp;12. 2.2 Grade&nbsp;12 final results as well as your mid-year results if you are currently in your first year at university. 2.3 Your last academic year results as well as your current mid-year results if you are currently in your second or third year at university. 3. The financial checks affidavit must be signed by: 3.1 your parent(s) or guardian(s); 3.2&nbsp;you, the bursary applicant. Download the affidavit&nbsp;<a href=\"https:\/\/www.nedbank.co.za\/content\/dam\/nedbank\/site-assets\/Careers\/General\/financial_checks_affidavit.pdf\">here<\/a>, completed it, make sure it is signed by all the parties above and add it to your application.<\/li><\/ul>\n\n\n\n<p><strong><a href=\"https:\/\/hq.urup.com\/211711833601041\" target=\"_blank\" rel=\"noreferrer noopener\">CLICK HERE TO : NEDBANK BURSARY APPLICATION FORM<\/a>&nbsp; \u2013 APPLICATION IS OPEN FROM&nbsp; 30 September 2026<\/strong><\/p>\n\n\n\n<p><strong><a href=\"https:\/\/www.nedbank.co.za\/content\/nedbank\/desktop\/gt\/en\/careers\/youth-talent\/the-bursary-programme.html\" target=\"_blank\" rel=\"noreferrer noopener\">CLICK HERE TO VIEW: Nedbank External Bursary Advert 2026.pdf<\/a><\/strong><\/p><div class=\"advads-content\" id=\"advads-627332937\"><div style=\"width: 300px; padding: 20px; margin: 0 auto; border: 1px solid #ddd; border-radius: 8px; background-color: #f9f9f9; text-align: center; font-family: Arial, sans-serif;\">\r\n    <p style=\"font-size: 16px; margin: 0 0 10px;\">Need Information or Confused about Something ? <\/p>\r\n    <a href=\"https:\/\/onlineapplications.co.za\/ask\/\" style=\"display: inline-block; padding: 10px 20px; background-color: #007BFF; color: #fff; text-decoration: none; border-radius: 4px; transition: background-color 0.3s;\">Ask a Question<\/a>\r\n<\/div>\r\n<\/div><div class=\"advads-btf\" style=\"margin-top: 15px;margin-bottom: 20px;\" id=\"advads-3299994084\"><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-9198760278752355\"\n     crossorigin=\"anonymous\"><\/script>\n<!-- Responsive ads btf -->\n<ins class=\"adsbygoogle\"\n     style=\"display:block\"\n     data-ad-client=\"ca-pub-9198760278752355\"\n     data-ad-slot=\"5513273173\"\n     data-ad-format=\"auto\"\n     data-full-width-responsive=\"true\"><\/ins>\n<script>\n     (adsbygoogle = window.adsbygoogle || []).push({});\n<\/script><\/div>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/www.careersportal.co.za\/sites\/default\/files\/inline-images\/Nedbank%20Bursary%20Poster.jpg\" alt=\"Nedbank bursary\"\/><\/figure>\n<div class=\"advads-cpc\" id=\"advads-517902232\"><p>&nbsp;<\/p>\n<hr \/>\n<p>Sponsored Guide<\/p>\n<hr \/>\n<p><strong>Complete Guide to NSFAS Online Loan Application for South African Students (2025)<\/strong><\/p>\n<p>If you are a South African student looking to pursue higher education but are facing financial difficulties, the <strong>National Student Financial Aid Scheme (NSFAS)<\/strong> is one of the most accessible funding options available. NSFAS provides financial aid in the form of <strong>bursaries and loans<\/strong> to qualifying students at public universities and TVET colleges in South Africa.<\/p>\n<p>This guide will walk you through <strong>everything you need to know about the NSFAS loan application process<\/strong>, from eligibility requirements to application steps and frequently asked questions.<\/p>\n<hr \/>\n<h2>\ud83d\udccc What is NSFAS?<\/h2>\n<p>The <strong>National Student Financial Aid Scheme (NSFAS)<\/strong> is a government-funded financial aid scheme aimed at helping students from low- and middle-income households to access tertiary education without the burden of upfront fees.<\/p>\n<p>NSFAS <strong>offers both bursaries and income-contingent loans<\/strong>:<\/p>\n<ul>\n<li><strong>Bursaries<\/strong>: For eligible students who meet academic and household income criteria (especially for TVET and university students).<\/li>\n<li><strong>Loans<\/strong>: For students who do not meet all bursary criteria or who are pursuing postgraduate qualifications not funded under bursary schemes.<\/li>\n<\/ul>\n<hr \/>\n<h2>\u2705 Who Qualifies for an NSFAS Loan?<\/h2>\n<p>To qualify for an NSFAS loan (especially for postgraduate students or programs not funded under the bursary system), you must:<\/p>\n<ul>\n<li>Be a <strong>South African citizen<\/strong>.<\/li>\n<li>Be <strong>financially needy<\/strong>, with a household income of <strong>less than R350,000 per year<\/strong>.<\/li>\n<li>Have a <strong>valid South African ID<\/strong>.<\/li>\n<li>Be <strong>enrolled or accepted<\/strong> to study at a <strong>public university or TVET college<\/strong>.<\/li>\n<li>Not be funded through another bursary program that covers all expenses.<\/li>\n<li>Maintain satisfactory <strong>academic progress<\/strong> (returning students).<\/li>\n<\/ul>\n<hr \/>\n<h2>\ud83d\udcda Courses Funded by NSFAS<\/h2>\n<p>NSFAS primarily funds <strong>undergraduate qualifications<\/strong>, but certain <strong>postgraduate programs (e.g., PGCE, postgraduate diplomas in education, and professional courses like LLB)<\/strong> may be considered under the <strong>NSFAS loan scheme<\/strong>, not bursaries.<\/p>\n<p>If you\u2019re studying:<\/p>\n<ul>\n<li><strong>Undergraduate degree or diploma<\/strong>: You are likely eligible for a full NSFAS bursary.<\/li>\n<li><strong>Postgraduate study<\/strong>: You may qualify for a loan, depending on the course and funding availability.<\/li>\n<\/ul>\n<hr \/>\n<h2>\ud83d\udcc4 Required Documents for NSFAS Application<\/h2>\n<p>When applying, make sure you have the following documents scanned and ready:<\/p>\n<ol>\n<li><strong>Certified copy of your South African ID or Smart Card<\/strong>.<\/li>\n<li><strong>Parent(s) or guardian(s) ID documents<\/strong>.<\/li>\n<li><strong>Proof of income<\/strong> (latest payslips, UIF, or affidavit if unemployed).<\/li>\n<li><strong>Consent Form<\/strong> signed by your parent(s)\/guardian(s) to allow NSFAS to verify income.<\/li>\n<li><strong>Proof of registration or acceptance at a public institution<\/strong>.<\/li>\n<li><strong>Academic transcripts<\/strong> (for continuing or postgraduate students).<\/li>\n<\/ol>\n<hr \/>\n<h2>\ud83d\udda5\ufe0f How to Apply for an NSFAS Loan Online<\/h2>\n<h3>Step-by-Step NSFAS Online Application Process (2025)<\/h3>\n<ol>\n<li>\n<h3><strong>Visit the NSFAS Website<\/strong><\/h3>\n<p>Go to: <a href=\"https:\/\/www.nsfas.org.za\/\">https:\/\/www.nsfas.org.za<\/a><\/li>\n<li>\n<h3><strong>Create an Account<\/strong><\/h3>\n<ul>\n<li>Click on <strong>\u201cMyNSFAS\u201d<\/strong> and register your profile.<\/li>\n<li>You\u2019ll need a <strong>valid email address<\/strong> and <strong>South African cellphone number<\/strong>.<\/li>\n<li>Choose a strong password and verify your account via email or SMS.<\/li>\n<\/ul>\n<\/li>\n<li>\n<h3><strong>Login and Start the Application<\/strong><\/h3>\n<ul>\n<li>After registration, log in to your <strong>MyNSFAS<\/strong> account.<\/li>\n<li>Click on <strong>\u201cApply\u201d<\/strong> to begin a new application.<\/li>\n<\/ul>\n<\/li>\n<li>\n<h3><strong>Fill in Your Personal Details<\/strong><\/h3>\n<ul>\n<li>Input your <strong>ID number<\/strong>, name, surname, and other details exactly as they appear on your ID.<\/li>\n<li>Provide <strong>household income information<\/strong> and living arrangements.<\/li>\n<\/ul>\n<\/li>\n<li>\n<h3><strong>Upload Required Documents<\/strong><\/h3>\n<ul>\n<li>Upload all supporting documents in <strong>PDF or JPEG format<\/strong>.<\/li>\n<li>Each document must be clear and under the size limit specified.<\/li>\n<\/ul>\n<\/li>\n<li>\n<h3><strong>Submit Your Application<\/strong><\/h3>\n<ul>\n<li>Review your application for accuracy.<\/li>\n<li>Click <strong>\u201cSubmit\u201d<\/strong> and wait for a confirmation message.<\/li>\n<\/ul>\n<\/li>\n<li>\n<h3><strong>Track Your Application<\/strong><\/h3>\n<ul>\n<li>Log in regularly to check your application status.<\/li>\n<li>You will be notified via SMS and email at each stage of the process.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<hr \/>\n<h2>\ud83d\uddd3\ufe0f Important NSFAS Dates (2025)<\/h2>\n<ul>\n<li><strong>Application Opening Date<\/strong>: September 1, 2025<\/li>\n<li><strong>Application Deadline<\/strong>: January 31, 2026<\/li>\n<li><strong>Appeals Period<\/strong>: February 2026 (if rejected)<\/li>\n<li><strong>Disbursement<\/strong>: After registration and approval<\/li>\n<\/ul>\n<p><em>Note: Dates are subject to change; always confirm on the official NSFAS website.<\/em><\/p>\n<hr \/>\n<h2>\ud83d\udcb8 What Does the NSFAS Loan Cover?<\/h2>\n<p>NSFAS funding typically includes:<\/p>\n<ul>\n<li><strong>Tuition fees<\/strong><\/li>\n<li><strong>Registration fees<\/strong><\/li>\n<li><strong>Accommodation (if living away from home)<\/strong><\/li>\n<li><strong>Meals and transport<\/strong><\/li>\n<li><strong>Learning materials (e.g., textbooks)<\/strong><\/li>\n<\/ul>\n<p>For <strong>loans<\/strong>, repayment is only required <strong>once you start working and earn above a threshold<\/strong> (around R30,000 annually, but subject to change).<\/p>\n<hr \/>\n<h2>\ud83d\udd04 NSFAS Loan Repayment<\/h2>\n<p>Repayments are:<\/p>\n<ul>\n<li><strong>Income-contingent<\/strong> \u2013 you only repay when you can afford to.<\/li>\n<li>Administered by <strong>DHET (Department of Higher Education and Training)<\/strong>.<\/li>\n<li><strong>Interest-bearing<\/strong>, but interest rates are low and favorable.<\/li>\n<\/ul>\n<p>You can also apply for a <strong>partial loan conversion to a bursary<\/strong> if you perform well academically.<\/p>\n<hr \/>\n<h2>\ud83d\udd01 How to Appeal a Rejected NSFAS Application<\/h2>\n<p>If your application is rejected, you may submit an appeal via your MyNSFAS portal:<\/p>\n<ol>\n<li>Log into your MyNSFAS account.<\/li>\n<li>Click on <strong>\u201cTrack Funding Progress\u201d<\/strong>.<\/li>\n<li>If rejected, click on <strong>\u201cSubmit Appeal\u201d<\/strong>.<\/li>\n<li>Upload any missing or corrected documents.<\/li>\n<li>Provide a clear explanation or motivation.<\/li>\n<\/ol>\n<hr \/>\n<h2>\ud83d\udcf1 NSFAS Contact Information<\/h2>\n<ul>\n<li><strong>Website<\/strong>: <a href=\"https:\/\/www.nsfas.org.za\/\">https:\/\/www.nsfas.org.za<\/a><\/li>\n<li><strong>Email<\/strong>: <a href=\"mailto:info@nsfas.org.za\">info@nsfas.org.za<\/a><\/li>\n<li><strong>Toll-Free Number<\/strong>: 08000 67327 (Monday\u2013Friday, 8 AM\u20135 PM)<\/li>\n<li><strong>Twitter<\/strong>: <a href=\"https:\/\/twitter.com\/myNSFAS\">@myNSFAS<\/a><\/li>\n<li><strong>Facebook<\/strong>: <a href=\"https:\/\/www.facebook.com\/myNSFAS\">NSFAS<\/a><\/li>\n<\/ul>\n<hr \/>\n<h2>\ud83d\udcdd Final Tips Before Applying<\/h2>\n<ul>\n<li>Apply <strong>early<\/strong> to avoid system overload near the deadline.<\/li>\n<li>Use <strong>your own email and cellphone number<\/strong> (do not use someone else\u2019s).<\/li>\n<li>Double-check that all your documents are <strong>certified and legible<\/strong>.<\/li>\n<li>Keep a <strong>copy of your submission confirmation<\/strong> for reference.<\/li>\n<\/ul>\n<hr \/>\n<p>By following this guide, you can confidently apply for NSFAS funding and move one step closer to achieving your academic and career dreams\u2014without the burden of immediate financial pressure.<\/p>\n<p>&nbsp;<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Nedbank invites qualifying student to apply for Bursary Programme 2026 academic year. Bursary Application&nbsp;Closing Date:&nbsp;30 September 2026 Are you a grade 12 student looking to further your studies next year? Do you believe that a better future is achievable but don\u2019t have means to finance your studies? Apply for a Nedbank bursary and join a\u2026 <span class=\"read-more\"><a href=\"https:\/\/uni1.co.za\/articles\/nedbank-bursaries-2024\/\">Read More &raquo;<\/a><\/span><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-11341","post","type-post","status-publish","format-standard","hentry","category-articles"],"_links":{"self":[{"href":"https:\/\/uni1.co.za\/articles\/wp-json\/wp\/v2\/posts\/11341","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/uni1.co.za\/articles\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/uni1.co.za\/articles\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/uni1.co.za\/articles\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/uni1.co.za\/articles\/wp-json\/wp\/v2\/comments?post=11341"}],"version-history":[{"count":0,"href":"https:\/\/uni1.co.za\/articles\/wp-json\/wp\/v2\/posts\/11341\/revisions"}],"wp:attachment":[{"href":"https:\/\/uni1.co.za\/articles\/wp-json\/wp\/v2\/media?parent=11341"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/uni1.co.za\/articles\/wp-json\/wp\/v2\/categories?post=11341"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/uni1.co.za\/articles\/wp-json\/wp\/v2\/tags?post=11341"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}