Loans, Nonaccrual and past due loans (Details) (USD $) | 3 Months Ended | 6 Months Ended | |
Jun. 30, 2014 | Jun. 30, 2013 | Jun. 30, 2014 | Jun. 30, 2013 | Dec. 31, 2013 |
Loan | Contract | Contract | Contract |
| | Loan | |
Past due and nonaccrual [Line Items] | ' | ' | ' | ' | ' |
Nonaccrual loans | $678,000 | ' | $678,000 | ' | $558,000 |
30-59 Days Past Due | 1,422,000 | ' | 1,422,000 | ' | 2,718,000 |
60-89 Days Past Due | 639,000 | ' | 639,000 | ' | 845,000 |
Greater Than 90 Days Past Due | 541,000 | ' | 541,000 | ' | 526,000 |
Recorded Investment > 90 Days and Accruing | 122,000 | ' | 122,000 | ' | 321,000 |
Total Past Due | 2,724,000 | ' | 2,724,000 | ' | 4,410,000 |
Current | 402,512,000 | ' | 402,512,000 | ' | 387,748,000 |
Total Loans | 405,236,000 | ' | 405,236,000 | ' | 392,158,000 |
Impaired Financing Receivable, Recorded Investment [Abstract] | ' | ' | ' | ' | ' |
With no related allowance recorded | 6,361,000 | ' | 6,361,000 | ' | 3,245,000 |
With related allowance recorded | 3,690,000 | ' | 3,690,000 | ' | 8,066,000 |
Total investments | 10,051,000 | ' | 10,051,000 | ' | 11,311,000 |
With no related allowance unpaid principal balance | 6,560,000 | ' | 6,560,000 | ' | 3,485,000 |
With related allowance unpaid principal balance | 3,787,000 | ' | 3,787,000 | ' | 8,086,000 |
Total unpaid principal balance | 10,347,000 | ' | 10,347,000 | ' | 11,571,000 |
Related allowance | 512,000 | ' | 512,000 | ' | 709,000 |
Impaired Loans, Average Recorded Investment [Abstract] | ' | ' | ' | ' | ' |
Average recorded investment, with no related allowance | 4,501,000 | 4,417,000 | 4,080,000 | 5,145,000 | ' |
Interest income recognized, with no related allowance | 130,000 | 64,000 | 153,000 | 119,000 | ' |
Average recorded investment, with an allowance recorded | 5,763,000 | 6,598,000 | 6,529,000 | 6,192,000 | ' |
Interest income recognized, with related allowance | 8,000 | 84,000 | 111,000 | 170,000 | ' |
Average recorded investment | 10,264,000 | 11,015,000 | 10,609,000 | 11,337,000 | ' |
Interest income recognized | 138,000 | 148,000 | 264,000 | 289,000 | ' |
Impaired loans, interest income forgone | ' | ' | 57,000 | 64,000 | ' |
Trouble debt restructuring, recorded investment | 6,200,000 | ' | 6,200,000 | ' | 6,400,000 |
Allowance for loan losses allocated to TDRs | 332,000 | ' | 332,000 | ' | 472,000 |
Restructured loans by modification [Abstract] | ' | ' | ' | ' | ' |
Number of contracts | ' | 1 | 1 | 4 | ' |
Rate modifications | ' | 0 | 0 | 0 | ' |
Term modifications | ' | 0 | 0 | 0 | ' |
Payment modifications | ' | 0 | 0 | 0 | ' |
Combination modifications | ' | 99,000 | 176,000 | 977,000 | ' |
Total modifications | ' | 99,000 | 176,000 | 977,000 | ' |
TDR modifications, subsequent default | 582,000 | 0 | 582,000 | 99,000 | ' |
Loans that became delinquent more than 90 days past due or transferred to nonaccrual within 12 months of restructuring [Abstract] | ' | ' | ' | ' | ' |
Number of days past due to be considered in default | ' | ' | '31 days | ' | ' |
Number of days past due to be considered nonaccrual status | ' | ' | '90 days | ' | ' |
Number of mortgages in were 30-59 days past due | 3 | ' | 3 | ' | ' |
Number of mortgages in were 60-89 days past due | 1 | ' | 1 | ' | ' |
One-to four- family [Member] | ' | ' | ' | ' | ' |
Past due and nonaccrual [Line Items] | ' | ' | ' | ' | ' |
Nonaccrual loans | 375,000 | ' | 375,000 | ' | 401,000 |
30-59 Days Past Due | 0 | ' | 0 | ' | 1,460,000 |
60-89 Days Past Due | 477,000 | ' | 477,000 | ' | 537,000 |
Greater Than 90 Days Past Due | 375,000 | ' | 375,000 | ' | 401,000 |
Recorded Investment > 90 Days and Accruing | 108,000 | ' | 108,000 | ' | 321,000 |
Total Past Due | 960,000 | ' | 960,000 | ' | 2,719,000 |
Current | 120,730,000 | ' | 120,730,000 | ' | 115,020,000 |
Total Loans | 121,690,000 | ' | 121,690,000 | ' | 117,739,000 |
Impaired Financing Receivable, Recorded Investment [Abstract] | ' | ' | ' | ' | ' |
With no related allowance recorded | 2,206,000 | ' | 2,206,000 | ' | 533,000 |
With related allowance recorded | 2,347,000 | ' | 2,347,000 | ' | 4,075,000 |
Total investments | 4,553,000 | ' | 4,553,000 | ' | 4,608,000 |
With no related allowance unpaid principal balance | 2,338,000 | ' | 2,338,000 | ' | 723,000 |
With related allowance unpaid principal balance | 2,347,000 | ' | 2,347,000 | ' | 4,086,000 |
Total unpaid principal balance | 4,685,000 | ' | 4,685,000 | ' | 4,809,000 |
Related allowance | 280,000 | ' | 280,000 | ' | 356,000 |
Impaired Loans, Average Recorded Investment [Abstract] | ' | ' | ' | ' | ' |
Average recorded investment, with no related allowance | 1,449,000 | 1,333,000 | 1,143,000 | 1,729,000 | ' |
Interest income recognized, with no related allowance | 42,000 | 5,000 | 48,000 | 14,000 | ' |
Average recorded investment, with an allowance recorded | 3,222,000 | 4,292,000 | 3,506,000 | 4,026,000 | ' |
Interest income recognized, with related allowance | 3,000 | 49,000 | 51,000 | 102,000 | ' |
Average recorded investment | 4,671,000 | 5,625,000 | 4,649,000 | 5,755,000 | ' |
Interest income recognized | 45,000 | 54,000 | 99,000 | 116,000 | ' |
Restructured loans by modification [Abstract] | ' | ' | ' | ' | ' |
Number of contracts | ' | 1 | 1 | 3 | ' |
Rate modifications | ' | 0 | 0 | 0 | ' |
Term modifications | ' | 0 | 0 | 0 | ' |
Payment modifications | ' | 0 | 0 | 0 | ' |
Combination modifications | ' | 99,000 | 176,000 | 878,000 | ' |
Total modifications | ' | 99,000 | 176,000 | 878,000 | ' |
Loans that became delinquent more than 90 days past due or transferred to nonaccrual within 12 months of restructuring [Abstract] | ' | ' | ' | ' | ' |
Number of mortgages over 90 days past due and considered nonaccrual status | ' | 2 | ' | 2 | ' |
Home equity [Member] | ' | ' | ' | ' | ' |
Past due and nonaccrual [Line Items] | ' | ' | ' | ' | ' |
Nonaccrual loans | 303,000 | ' | 303,000 | ' | 124,000 |
30-59 Days Past Due | 473,000 | ' | 473,000 | ' | 618,000 |
60-89 Days Past Due | 150,000 | ' | 150,000 | ' | 214,000 |
Greater Than 90 Days Past Due | 166,000 | ' | 166,000 | ' | 124,000 |
Recorded Investment > 90 Days and Accruing | 0 | ' | 0 | ' | 0 |
Total Past Due | 789,000 | ' | 789,000 | ' | 956,000 |
Current | 34,433,000 | ' | 34,433,000 | ' | 34,199,000 |
Total Loans | 35,222,000 | ' | 35,222,000 | ' | 35,155,000 |
Impaired Financing Receivable, Recorded Investment [Abstract] | ' | ' | ' | ' | ' |
With no related allowance recorded | 803,000 | ' | 803,000 | ' | 245,000 |
With related allowance recorded | 821,000 | ' | 821,000 | ' | 1,352,000 |
Total investments | 1,624,000 | ' | 1,624,000 | ' | 1,597,000 |
With no related allowance unpaid principal balance | 803,000 | ' | 803,000 | ' | 294,000 |
With related allowance unpaid principal balance | 917,000 | ' | 917,000 | ' | 1,362,000 |
Total unpaid principal balance | 1,720,000 | ' | 1,720,000 | ' | 1,656,000 |
Related allowance | 133,000 | ' | 133,000 | ' | 150,000 |
Impaired Loans, Average Recorded Investment [Abstract] | ' | ' | ' | ' | ' |
Average recorded investment, with no related allowance | 544,000 | 551,000 | 444,000 | 683,000 | ' |
Interest income recognized, with no related allowance | 16,000 | 3,000 | 18,000 | 5,000 | ' |
Average recorded investment, with an allowance recorded | 1,102,000 | 1,225,000 | 1,185,000 | 1,077,000 | ' |
Interest income recognized, with related allowance | 0 | 16,000 | 16,000 | 32,000 | ' |
Average recorded investment | 1,646,000 | 1,776,000 | 1,629,000 | 1,760,000 | ' |
Interest income recognized | 16,000 | 19,000 | 34,000 | 37,000 | ' |
Restructured loans by modification [Abstract] | ' | ' | ' | ' | ' |
Number of contracts | ' | ' | ' | 1 | ' |
Rate modifications | ' | ' | ' | 0 | ' |
Term modifications | ' | ' | ' | 0 | ' |
Payment modifications | ' | ' | ' | 0 | ' |
Combination modifications | ' | ' | ' | 99,000 | ' |
Total modifications | ' | ' | ' | 99,000 | ' |
TDR modifications, subsequent default | 0 | 0 | 0 | 99,000 | ' |
Commercial and multifamily [Member] | ' | ' | ' | ' | ' |
Past due and nonaccrual [Line Items] | ' | ' | ' | ' | ' |
30-59 Days Past Due | 813,000 | ' | 813,000 | ' | 377,000 |
60-89 Days Past Due | 0 | ' | 0 | ' | 0 |
Greater Than 90 Days Past Due | 0 | ' | 0 | ' | 0 |
Recorded Investment > 90 Days and Accruing | 0 | ' | 0 | ' | 0 |
Total Past Due | 813,000 | ' | 813,000 | ' | 377,000 |
Current | 153,204,000 | ' | 153,204,000 | ' | 157,139,000 |
Total Loans | 154,017,000 | ' | 154,017,000 | ' | 157,516,000 |
Impaired Financing Receivable, Recorded Investment [Abstract] | ' | ' | ' | ' | ' |
With no related allowance recorded | 2,987,000 | ' | 2,987,000 | ' | 1,995,000 |
With related allowance recorded | 0 | ' | 0 | ' | 1,721,000 |
Total investments | 2,987,000 | ' | 2,987,000 | ' | 3,716,000 |
With no related allowance unpaid principal balance | 3,037,000 | ' | 3,037,000 | ' | 1,995,000 |
With related allowance unpaid principal balance | 0 | ' | 0 | ' | 1,721,000 |
Total unpaid principal balance | 3,037,000 | ' | 3,037,000 | ' | 3,716,000 |
Related allowance | 0 | ' | 0 | ' | 1,000 |
Impaired Loans, Average Recorded Investment [Abstract] | ' | ' | ' | ' | ' |
Average recorded investment, with no related allowance | 2,261,000 | 1,792,000 | 2,172,000 | 1,822,000 | ' |
Interest income recognized, with no related allowance | 61,000 | 49,000 | 74,000 | 85,000 | ' |
Average recorded investment, with an allowance recorded | 739,000 | 123,000 | 1,066,000 | 163,000 | ' |
Interest income recognized, with related allowance | 0 | 0 | 23,000 | 0 | ' |
Average recorded investment | 3,000,000 | 1,915,000 | 3,238,000 | 1,985,000 | ' |
Interest income recognized | 61,000 | 49,000 | 97,000 | 85,000 | ' |
Restructured loans by modification [Abstract] | ' | ' | ' | ' | ' |
TDR modifications, subsequent default | 582,000 | 0 | 582,000 | 0 | ' |
Construction and land [Member] | ' | ' | ' | ' | ' |
Past due and nonaccrual [Line Items] | ' | ' | ' | ' | ' |
30-59 Days Past Due | 55,000 | ' | 55,000 | ' | 0 |
60-89 Days Past Due | 0 | ' | 0 | ' | 0 |
Greater Than 90 Days Past Due | 0 | ' | 0 | ' | 0 |
Recorded Investment > 90 Days and Accruing | 0 | ' | 0 | ' | 0 |
Total Past Due | 55,000 | ' | 55,000 | ' | 0 |
Current | 47,117,000 | ' | 47,117,000 | ' | 44,300,000 |
Total Loans | 47,172,000 | ' | 47,172,000 | ' | 44,300,000 |
Impaired Financing Receivable, Recorded Investment [Abstract] | ' | ' | ' | ' | ' |
With no related allowance recorded | 122,000 | ' | 122,000 | ' | 21,000 |
With related allowance recorded | 82,000 | ' | 82,000 | ' | 188,000 |
Total investments | 204,000 | ' | 204,000 | ' | 209,000 |
With no related allowance unpaid principal balance | 122,000 | ' | 122,000 | ' | 21,000 |
With related allowance unpaid principal balance | 82,000 | ' | 82,000 | ' | 187,000 |
Total unpaid principal balance | 204,000 | ' | 204,000 | ' | 208,000 |
Related allowance | 26,000 | ' | 26,000 | ' | 28,000 |
Impaired Loans, Average Recorded Investment [Abstract] | ' | ' | ' | ' | ' |
Average recorded investment, with no related allowance | 72,000 | 293,000 | 55,000 | 360,000 | ' |
Interest income recognized, with no related allowance | 5,000 | 0 | 5,000 | 1,000 | ' |
Average recorded investment, with an allowance recorded | 134,000 | 128,000 | 152,000 | 110,000 | ' |
Interest income recognized, with related allowance | 0 | 3,000 | 3,000 | 7,000 | ' |
Average recorded investment | 206,000 | 421,000 | 207,000 | 470,000 | ' |
Interest income recognized | 5,000 | 3,000 | 8,000 | 8,000 | ' |
Manufactured homes [Member] | ' | ' | ' | ' | ' |
Past due and nonaccrual [Line Items] | ' | ' | ' | ' | ' |
Nonaccrual loans | 0 | ' | 0 | ' | 32,000 |
30-59 Days Past Due | 74,000 | ' | 74,000 | ' | 146,000 |
60-89 Days Past Due | 7,000 | ' | 7,000 | ' | 94,000 |
Greater Than 90 Days Past Due | 0 | ' | 0 | ' | 0 |
Recorded Investment > 90 Days and Accruing | 14,000 | ' | 14,000 | ' | 0 |
Total Past Due | 95,000 | ' | 95,000 | ' | 240,000 |
Current | 12,930,000 | ' | 12,930,000 | ' | 13,256,000 |
Total Loans | 13,025,000 | ' | 13,025,000 | ' | 13,496,000 |
Impaired Financing Receivable, Recorded Investment [Abstract] | ' | ' | ' | ' | ' |
With no related allowance recorded | 101,000 | ' | 101,000 | ' | 98,000 |
With related allowance recorded | 433,000 | ' | 433,000 | ' | 549,000 |
Total investments | 534,000 | ' | 534,000 | ' | 647,000 |
With no related allowance unpaid principal balance | 118,000 | ' | 118,000 | ' | 98,000 |
With related allowance unpaid principal balance | 434,000 | ' | 434,000 | ' | 549,000 |
Total unpaid principal balance | 552,000 | ' | 552,000 | ' | 647,000 |
Related allowance | 72,000 | ' | 72,000 | ' | 116,000 |
Impaired Loans, Average Recorded Investment [Abstract] | ' | ' | ' | ' | ' |
Average recorded investment, with no related allowance | 94,000 | 83,000 | 95,000 | 78,000 | ' |
Interest income recognized, with no related allowance | 2,000 | 1,000 | 4,000 | 2,000 | ' |
Average recorded investment, with an allowance recorded | 496,000 | 547,000 | 513,000 | 560,000 | ' |
Interest income recognized, with related allowance | 5,000 | 12,000 | 16,000 | 22,000 | ' |
Average recorded investment | 590,000 | 630,000 | 608,000 | 638,000 | ' |
Interest income recognized | 7,000 | 13,000 | 20,000 | 24,000 | ' |
Other consumer [Member] | ' | ' | ' | ' | ' |
Past due and nonaccrual [Line Items] | ' | ' | ' | ' | ' |
Nonaccrual loans | 0 | ' | 0 | ' | 1,000 |
30-59 Days Past Due | 7,000 | ' | 7,000 | ' | 8,000 |
60-89 Days Past Due | 5,000 | ' | 5,000 | ' | 0 |
Greater Than 90 Days Past Due | 0 | ' | 0 | ' | 1,000 |
Recorded Investment > 90 Days and Accruing | 0 | ' | 0 | ' | 0 |
Total Past Due | 12,000 | ' | 12,000 | ' | 9,000 |
Current | 11,752,000 | ' | 11,752,000 | ' | 10,275,000 |
Total Loans | 11,764,000 | ' | 11,764,000 | ' | 10,284,000 |
Impaired Financing Receivable, Recorded Investment [Abstract] | ' | ' | ' | ' | ' |
With no related allowance recorded | 14,000 | ' | 14,000 | ' | 17,000 |
With related allowance recorded | 7,000 | ' | 7,000 | ' | 15,000 |
Total investments | 21,000 | ' | 21,000 | ' | 32,000 |
With no related allowance unpaid principal balance | 14,000 | ' | 14,000 | ' | 17,000 |
With related allowance unpaid principal balance | 7,000 | ' | 7,000 | ' | 15,000 |
Total unpaid principal balance | 21,000 | ' | 21,000 | ' | 32,000 |
Related allowance | 1,000 | ' | 1,000 | ' | 3,000 |
Impaired Loans, Average Recorded Investment [Abstract] | ' | ' | ' | ' | ' |
Average recorded investment, with no related allowance | 7,000 | 14,000 | 10,000 | 12,000 | ' |
Interest income recognized, with no related allowance | 1,000 | 1,000 | 1,000 | 2,000 | ' |
Average recorded investment, with an allowance recorded | 15,000 | 39,000 | 15,000 | 41,000 | ' |
Interest income recognized, with related allowance | 0 | 0 | 0 | 1,000 | ' |
Average recorded investment | 22,000 | 53,000 | 25,000 | 53,000 | ' |
Interest income recognized | 1,000 | 1,000 | 1,000 | 3,000 | ' |
Commercial business [Member] | ' | ' | ' | ' | ' |
Past due and nonaccrual [Line Items] | ' | ' | ' | ' | ' |
30-59 Days Past Due | 0 | ' | 0 | ' | 109,000 |
60-89 Days Past Due | 0 | ' | 0 | ' | 0 |
Greater Than 90 Days Past Due | 0 | ' | 0 | ' | 0 |
Recorded Investment > 90 Days and Accruing | 0 | ' | 0 | ' | 0 |
Total Past Due | 0 | ' | 0 | ' | 109,000 |
Current | 22,346,000 | ' | 22,346,000 | ' | 13,559,000 |
Total Loans | 22,346,000 | ' | 22,346,000 | ' | 13,668,000 |
Impaired Financing Receivable, Recorded Investment [Abstract] | ' | ' | ' | ' | ' |
With no related allowance recorded | 128,000 | ' | 128,000 | ' | 336,000 |
With related allowance recorded | 0 | ' | 0 | ' | 166,000 |
Total investments | 128,000 | ' | 128,000 | ' | 502,000 |
With no related allowance unpaid principal balance | 128,000 | ' | 128,000 | ' | 337,000 |
With related allowance unpaid principal balance | 0 | ' | 0 | ' | 166,000 |
Total unpaid principal balance | 128,000 | ' | 128,000 | ' | 503,000 |
Related allowance | 0 | ' | 0 | ' | 55,000 |
Impaired Loans, Average Recorded Investment [Abstract] | ' | ' | ' | ' | ' |
Average recorded investment, with no related allowance | 74,000 | 351,000 | 161,000 | 461,000 | ' |
Interest income recognized, with no related allowance | 3,000 | 5,000 | 3,000 | 10,000 | ' |
Average recorded investment, with an allowance recorded | 55,000 | 244,000 | 92,000 | 215,000 | ' |
Interest income recognized, with related allowance | 0 | 4,000 | 2,000 | 6,000 | ' |
Average recorded investment | 129,000 | 595,000 | 253,000 | 676,000 | ' |
Interest income recognized | 3,000 | 9,000 | 5,000 | 16,000 | ' |
Performing [Member] | ' | ' | ' | ' | ' |
Past due and nonaccrual [Line Items] | ' | ' | ' | ' | ' |
Total Loans | 403,094,000 | ' | 403,094,000 | ' | 390,237,000 |
Performing [Member] | One-to four- family [Member] | ' | ' | ' | ' | ' |
Past due and nonaccrual [Line Items] | ' | ' | ' | ' | ' |
Total Loans | 120,756,000 | ' | 120,756,000 | ' | 116,967,000 |
Performing [Member] | Home equity [Member] | ' | ' | ' | ' | ' |
Past due and nonaccrual [Line Items] | ' | ' | ' | ' | ' |
Total Loans | 34,821,000 | ' | 34,821,000 | ' | 34,933,000 |
Performing [Member] | Commercial and multifamily [Member] | ' | ' | ' | ' | ' |
Past due and nonaccrual [Line Items] | ' | ' | ' | ' | ' |
Total Loans | 153,253,000 | ' | 153,253,000 | ' | 156,696,000 |
Performing [Member] | Construction and land [Member] | ' | ' | ' | ' | ' |
Past due and nonaccrual [Line Items] | ' | ' | ' | ' | ' |
Total Loans | 47,172,000 | ' | 47,172,000 | ' | 44,300,000 |
Performing [Member] | Manufactured homes [Member] | ' | ' | ' | ' | ' |
Past due and nonaccrual [Line Items] | ' | ' | ' | ' | ' |
Total Loans | 12,986,000 | ' | 12,986,000 | ' | 13,390,000 |
Performing [Member] | Other consumer [Member] | ' | ' | ' | ' | ' |
Past due and nonaccrual [Line Items] | ' | ' | ' | ' | ' |
Total Loans | 11,760,000 | ' | 11,760,000 | ' | 10,283,000 |
Performing [Member] | Commercial business [Member] | ' | ' | ' | ' | ' |
Past due and nonaccrual [Line Items] | ' | ' | ' | ' | ' |
Total Loans | 22,346,000 | ' | 22,346,000 | ' | 13,668,000 |
Nonperforming [Member] | ' | ' | ' | ' | ' |
Past due and nonaccrual [Line Items] | ' | ' | ' | ' | ' |
Total Loans | 2,142,000 | ' | 2,142,000 | ' | 1,921,000 |
Nonperforming [Member] | One-to four- family [Member] | ' | ' | ' | ' | ' |
Past due and nonaccrual [Line Items] | ' | ' | ' | ' | ' |
Total Loans | 934,000 | ' | 934,000 | ' | 772,000 |
Nonperforming [Member] | Home equity [Member] | ' | ' | ' | ' | ' |
Past due and nonaccrual [Line Items] | ' | ' | ' | ' | ' |
Total Loans | 401,000 | ' | 401,000 | ' | 222,000 |
Nonperforming [Member] | Commercial and multifamily [Member] | ' | ' | ' | ' | ' |
Past due and nonaccrual [Line Items] | ' | ' | ' | ' | ' |
Total Loans | 764,000 | ' | 764,000 | ' | 820,000 |
Nonperforming [Member] | Construction and land [Member] | ' | ' | ' | ' | ' |
Past due and nonaccrual [Line Items] | ' | ' | ' | ' | ' |
Total Loans | 0 | ' | 0 | ' | 0 |
Nonperforming [Member] | Manufactured homes [Member] | ' | ' | ' | ' | ' |
Past due and nonaccrual [Line Items] | ' | ' | ' | ' | ' |
Total Loans | 39,000 | ' | 39,000 | ' | 106,000 |
Nonperforming [Member] | Other consumer [Member] | ' | ' | ' | ' | ' |
Past due and nonaccrual [Line Items] | ' | ' | ' | ' | ' |
Total Loans | 4,000 | ' | 4,000 | ' | 1,000 |
Nonperforming [Member] | Commercial business [Member] | ' | ' | ' | ' | ' |
Past due and nonaccrual [Line Items] | ' | ' | ' | ' | ' |
Total Loans | $0 | ' | $0 | ' | $0 |