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Second marriages

People are living longer today. Many are remarrying to fully enjoy the second half of their lives. This being said, many estate problems can occur when no estate planning is completed prior to or after the marriage.

This will be a two part series. The purpose of these articles is not to give all of the solutions but to alert you to the potential unintended consequences after the death of one of the spouses of a second marriage. You may even disinherit your children without knowing that it could happen. 

There are several second marriage categories

1.Each spouse has children.
2.Each spouse has children and they have a natural child between them.
3.One spouse has children and the other spouse has none.
4.Neither spouse has children. 

Each of these situations requires special planning to insure that the right beneficiaries receive the correct family property. Most couples take it for granted that their children or family will receive their property upon their death or after the death of the second spouse.

PRENUPTIAL AGREEMENT-SEE THE LAWYER BEFORE THE MINISTER. 

A prenuptial agreement can often save the children of each family a lot of grief. First of all, it is contract that has to be entered into before the marriage ceremony. Its validity depends on full disclosure. Each party should have an attorney to advise and verify the contents of the agreement. Using one attorney can easily void the contract if it is challenged in court. 

It is imperative that each person disclose in detail all of their assets. If this is not done, then the survivor can possibly prove that the assets of the deceased were not disclosed and break the agreement. This is most often initiated by the children of the surviving spouse. They discover what the deceased spouse owned and that it could belong to their parent and eventually to themselves. It is important to understand that a prenuptial agreement will do nothing to protect the assets of a spouse if the other person enters a nursing home.  

NO WRITTEN AGREEMENT.

Most couples had a handshake and a kiss and promised to see that the other’s children would get everything that belongs to them. They are probably telling the truth but they have no idea of the results that can occur without planning. 

ESTATE PLANNING.

Detailed estate planning is imperative for a second marriage. It is also one the most difficult planning areas. The attorney’s job is to look at all of the worst case scenarios and plan accordingly. We must take the emotion out of the equation and see that each person’s assets get to the intended beneficiary. A trust is often the best tool to insure completion of the couple’s desires. Having the couple plan will prevent potential feuding among the survivors. Without proper documents, your children may not even be involved in your end of life decisions. Moving to another state can have adverse consequences in the ultimate distribution plan. There are many other potential problems that can be prevented by honest informed planning and continued thought as new assets are acquired. The next article will focus on problems with the improper titling of assets between spouses. 

Jeff Roth is a partner with David Bacon and associate Jessica Moon of the firm ROTH and BACON with offices in Port Clinton, Upper Sandusky, Marion, Ohio and Fort Myers, Florida.  All members of the firm are licensed in Ohio and Florida.  Mr. Roth’s practice is limited to wealth strategy planning and elder law in both states.  Nothing in this article is intended for, nor should be relied upon as individual legal advice. The purpose of this article is to provide information to the public on concepts of law as they pertain to estate and business planning. Jeff Roth can be reached at This email address is being protected from spambots. You need JavaScript enabled to view it. (telephone: 419-732-9994) copyright Jeffrey P. Roth 2014.

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Second place for General Excellence

 

I attended the Mid Atlantic Community Papers Association annual conference over the weekend in Harrisburg, PA. It was a great time and I learned a lot. I am happy to report that the Beacon won several awards: second place for General Excellence for community papers, first place for Website Community Involvement and first place for Website Overall Marketing and Advertising. MACPA is a regional organization based in Pennsylvania covering the states of New York, West Virginia, Maryland, Delaware, New Jersey and Virginia as well as Ohio; a grand total of over 50 community newspapers. We are very proud to be recognized for the hard work we do here at the Beacon…emphasis on the word WE!

The date has been set for the annual Port Clinton Kiwanis Spaghetti Dinner. It will be held on Friday, April 25, AFTER Easter Sunday so we Catholics can enjoy Mark Giaco’s incredible meatballs! It is an all day event, as the Kiwanians will be serving lunch and dinner starting at noon and going all the way to 7 p.m. It will be held at St. John Lutheran Church on Adams Street in Port Clinton. Carryouts and free delivery are both available. To order ahead, call 419-734-1325 after 9 a.m. on April 25. 

Our “Find Wylie” winner this week is Dick Baker of Catawba who was one of 194 people who found our friendly fish in the ad for Bassett’s Market on page 1A in last week’s Beacon. Dick wins our weekly $20 gift card from Friendship Food Stores. We’ll be hiding Wylie again this week so if you find him, drop off an entry form at our office in the Beacon Place Business Center or click on the find Wylie icon at our website www.thebeacon.net. 

Taste the finest soups and chili on the Marblehead Peninsula and vote your choice this Sunday, March 30, at St. Joseph Church’s Seventh Annual Soup and Chili Cook-off this Sunday from 11:30 a.m. to 1:30 p.m. The dinner fee for adults is $6 and $4 for children under 12. It includes unlimited tasting of over 25 soups and bowls of chili, a beverage and desert. If you would like to enter, the fee is $10 which includes one ticket. Call the church office at 419-798-4177. All proceeds are used for the St. Joseph Youth Retreat to Franciscan University in Steubenville. Carryouts will also be available. 

Speaking of St. Joseph’s, the St. Joseph/Marblehead Knights of Columbus will serve perch and pierogis on Friday March 28 and Friday April 11 from 5-7 p.m. in the St Joseph Church Hall located at 822 Barclay St. in Marblehead. Dinners are $11 and sandwiches are $6. Sides will be available as well. 

And while we are out on the peninsula, the Danbury Laker Levy Committee is holding a fundraiser at Cleats this coming Thursday, April 3. Bring one of their fliers with you, or just mention you are there for the “Dine to Donate” evening, and Cleats will donate 10% of the meal cost to the cause. 

They are having a special “Bucket List Book Club” session at Otterbein North Shore tomorrow, Friday, March 28 starting at 1:30 p.m. This is a new group of book readers for the area. The books are chosen from the Time Magazine 100 Best Novels. Once a month, they have lively discussion of the assigned books. You can join anytime and the books and materials are furnished. To join, call Jo Ann or Kirsten at 419-798-8520. 

The Lake Plains Chorus of Fostoria will hold their annual Concert on Saturday, April 26 at 7:30 p.m. at Fostoria High School. They are a fabulous Barbershop choir of men, many of whom travel there every week for rehearsals from Ottawa County. They always have a featured quartet, and this year, they will feature “Vocal Spectrum”, the 2006 International Champions. I have attended several of their concerts and they are always outstanding. 

The Leadership Ottawa County class of 2014 is hosting a very special “Pop-Up Talent” night at the Port Clinton Elk’s Lodge on Saturday, April 26. They will be featuring local celebrity talent for the event, including the Naked Bacon Band. Tickets are $40 per person and $70 per couple which includes dinner and the entertainment. Tickets can be purchased at Mary’s Blossom Shoppe in Port Clinton; the Danbury Zoning Department in Marblehead, the Oak Harbor Chamber of Commerce and The Crafty Needle in Elmore. The fundraiser supports United Way’s Pop-Up Adventure Play Program. 

Don’t forget Friday’s Port Clinton Knights of Columbus weekly Lenten Fish Fry held each Friday during the Lent from 5-7:30 p.m. This year, the Knights are offering a new menu featuring ALL YOU CAN EAT meals for $8 for adults and $4 for children under 12. The menu features hand breaded fish, French fries, coleslaw, mac and cheese, applesauce, lemonade, coffee and a variety of desserts…all included in the ALL YOU CAN EAT price. The meals will be served at the Denny Bergeman K of C Hall at 109 E. Perry Street in downtown Port Clinton.

And also don’t forget our “Coffee with the Editor” session at Common Grounds every Wednesday morning at 9 a.m. Lots of interesting local topics are discussed. It is our opportunity to have a sit-down with our readers and learn about what YOU want to see in the Beacon as we enter our 32nd year of community publishing. Also don’t forget that Common Grounds offers their gourmet coffee for just 99-cents with one refill.

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Spring is here!

It is official! It’s spring! Today, Thursday, March 20, 2014, is the spring equinox. That means as the earth travels around the sun, spinning on its axis, the equator is centered on the sun, and daylight is equalized with nighttime. From now until the autumn equinox, the northern hemisphere will receive more direct sunlight than the southern hemisphere. So, I would like to politely ask the piles of snow and the ice on Lake Erie to remove themselves. Thank you.

An old friend of Port Clinton and the area passed away last Thursday. Don Young, who many will remember as a bartender at the Paul Revere Inn (now Lock, Dock & Barrel), was also a musician. His business expertise focused on acquiring the land necessary for placement of hotels. He married Trudy Baumbarger, a former PC City Councilwoman, who survives. Don was a regular at Mayhew’s back in the 80s and 90s. He always wore a very familiar and warm smile, and always had nice things to say about The Beacon when he saw me. We shall miss him.

Our “Find Wylie” winner this week is Dolly Neff of Port Clinton, who was one of 132 people who found our friendly fish in the ad for Magruder Hospital on page 7A in last week’s Beacon. I think we fooled some folks by putting Wylie in a black & white ad. Anyway, Dolly wins our weekly $20 gift card from Friendship Food Stores. We’ll be hiding Wylie again this week, so if you find him, drop off an entry form at our office in the Beacon Place Business Center or click on the Find Wylie Icon at our website, www.thebeacon.net. 

The Firelands Musical Arts Series continues this Saturday at 7:30 p.m., featuring the Arianna String Quartet. Their chamber music concert will include selections from Beethoven, Mendelssohn and Van Wyck. Following the performance, the Greater Port Clinton Area Arts Council will host a reception to meet the musicians. Tickets are available at the door for $15. Students are admitted free. Firelands Presbyterian Church is located at 2626 E. Harbor Rd. (SR 163) east of Port Clinton. 

An old family favorite, chicken and rice dinner, is on the menu this month for the ELMS Community Meal at St. Thomas Episcopal Church Guild Hall on East Second Street in Port Clinton. It is tonight, Thursday, March 20, starting at 5 p.m. Debbie Barnes is serving as head chef. Members of St. Thomas and Peace Lutheran Church will be serving up the free meals, complete with homemade desserts. Carry-outs are available and the public is welcome to enjoy lots of good food and fellowship. Did I mention that it is all free? 

The Marblehead Peninsula Chamber of Commerce is holding their monthly Business After Hours tonight (Thursday, March 20) from 5-7 p.m. at the Lake Erie Shores and Islands Center on SR 53. The event is hosted by the Ottawa County Visitors Bureau, Grande Maison, and the Chamber. RSVP by calling 419-734-9777. 

Mary Alice and I enjoyed last Friday’s Port Clinton Knights of Columbus weekly Lenten Fish Fry. The Fish Fry is held each Friday during Lent, from 5-7:30 p.m. It was very good (except for having to pay Carl Koebel at the entrance). This year the Knights are offering a new menu, featuring all you can eat meals for $8 for adults and $4 for children under 12. The menu features hand breaded fish, French fries, coleslaw, mac & cheese, applesauce, lemonade, coffee and a variety of desserts, all included in the all you can eat price. The meals are served at the Denny Bergeman K of C Hall at 109 E. Perry Street in downtown Port Clinton.

The St. Joseph/Marblehead Knights of Columbus will serve Perch & Pierogis on the following Fridays during Lent: March 28 and April 11 from 5-7 p.m. in the St Joseph Church Hall, located at 822 Barclay St. in Marblehead. Dinners are $11 and sandwiches are $6. Sides will be available as well. 

Obviously, we had to cancel last Wednesday’s “Coffee with the Editor” session at Common Grounds, due to the unwelcome snowstorm. However, we should be back on track every Wednesday at 9 a.m. Lots of interesting local topics are discussed. It is our opportunity to have a sit-down with our readers and learn about what you want to see in The Beacon as we enter our 32nd year of community publishing. Also, don’t forget that Common Grounds offers their gourmet coffee for just 99-cents with one refill. 

“How to protect yourself from Identity Theft” is the theme of the next “Breakfast of Champions” at Otterbein North Shore Retirement Community next Wednesday, March 26, starting at 9 a.m. Bill Tuttamore, President of the Marblehead Bank, will be the featured speaker, following a complimentary buffet breakfast prepared by Chef Ron. RSVP is requested by calling Kirsten at 419-798-8250.

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Reifsnyder inducted into Ohio Kiwanis Hall of Fame

Congratulations to Vee Reifsnyder of Port Clinton who was inducted into the Ohio Kiwanis Hall of Fame this past weekend in Columbus. Vee was President of the Port Clinton Kiwanis Club from 1999-2000 and became very involved with the activities of the Ohio District of Kiwanis International. She was elected State Treasurer several years ago, and still serves on many boards at the Ohio District level. I followed Vee as President of the local Kiwanis Club, and I remember saying at the time that her heart bled “blue and gold”, the official Kiwanis colors. 

I heard that Dave Franck, owner of Tri-Motors in Oak Harbor, was in a very bad snowmobiling accident on Sunday afternoon and was Life Flighted to St. Vincent Hospital in Toledo. I spoke with Steve Bast at the dealership Tuesday and he told me that Dave is recovering and should be out of the hospital by the end of the week. It was rumored that he broke some vertebrae in his neck, but that proved to be from an old injury, but a couple of broken ribs and other scrapes are still pretty bad. We wish him a full recovery.  

A Past Commodore of Port Clinton Yacht Club, Ted Mason, passed away last Saturday. His funeral will be this coming Saturday, March 15. I believe that in the dictionary next to the term “nice guy” there is a picture of Ted Mason. He was a gem. 

Our “Find Wylie” winner this week is Angela Behring, who was one of 198 people who found our friendly fish in the ad for Common Grounds on page 8A in last week’s Beacon. Angela wins our weekly $20 gift card from Friendship Food Stores. We’ll be hiding Wylie again this week, so if you find him, drop off an entry form at our office in the Beacon Place Business Center or click on the Find Wylie Icon at our website, www.thebeacon.net. 

The Ida Rupp Public Library is losing its Librarian. Debbie Loiacono, who lives in Westlake, found a Librarian position closer to home. So the Executive Board of Ida Rupp is inviting members of the community to visit the library this Friday, March 14, from 2-4 p.m. to say goodbye to Debbie. She did some great things while she was here the past few years.

The American Red Cross Bloodmobile is in Marblehead today (Thursday, March 13) at St. Paul Lutheran Church, 541 S. Church Rd. from 12 Noon to 5 p.m. Walk-ins are always welcome. Go give the gift of life to a total stranger.

Today (Thursday, March 13), they are having a very special “Soup’s On” program at Otterbein North Shore Retirement Community. Their Chef, Ron LaPointe, is hosting a cooking class to demonstrate how he creates the wonderful soups he serves there. 

The Ottawa County Genealogical Society will meet this Tuesday, March 18, at 7 p.m. at Ida Rupp Public Library in Port Clinton. The speaker will be Henry Timman, professional genealogist and Huron County historian. His program will be “Finding Maiden Names”. Guests are always welcome.

The Port Clinton High School Leadership Council is hosting the Ohio Association of Student Councils State Conference from April 24 to 26. They are looking for community help in housing the 500 to 800 students who will be in attendance that weekend. What’s involved? First select the number of students you can house (they don’t need beds, just floor space for sleeping bags). They will need transportation to and from PCHS. They will need a good breakfast on Friday and Saturday mornings. Forms are available at the High School. For more information, call 419-734-2147. This is obviously a big endeavor and your help is very much needed and appreciated. 

Don’t forget the Port Clinton Knights of Columbus weekly Lenten Fish Fries each Friday during the Lent from 5-7:30 p.m. This year, the Knights are offering a new menu featuring ALL YOU CAN EAT meals for $8 for adults and $4 for children under 12. I am told it was a big hit last Friday. The menu features hand breaded fish, French fries, coleslaw, mac & cheese, applesauce, lemonade, coffee and a variety of desserts, all included in the ALL YOU CAN EAT price. The meals will be served at the Denny Bergeman K of C Hall at 109 E. Perry Street in downtown Port Clinton.

The St. Joseph/Marblehead Knights of Columbus will serve Perch & Pierogis on the following Fridays during Lent: March 14 and 28 and April 11 from 5-7 p.m. in the St Joseph Church Hall located at 822 Barclay St. in Marblehead. Dinners are $11 and sandwiches are $6. Sides will be available as well. 

Our crowds are getting bigger for “Coffee with the Editor” sessions at Common Grounds every Wednesday at 9 a.m. Lot’s of interesting local topics are discussed. It is our opportunity to have a sit-down with our readers and learn about what YOU want to see in The Beacon as we enter our 32nd year of community publishing. Also don’t forget that Common Grounds offers their gourmet coffee for just 99-cents with one refill. 

Monday is St. Patrick’s Day so proudly wear your green on Monday. For the past decade or so, Beacon editor-at-large Donna Lueke has penned an Irish-themed verse or story to celebrate the day when we are all Irish. She does this to honor the memory of her Canadian-Irish poet Mother, Margery Alberta Welsh Lueke. This year, Donna compiled the writings and a selection of photos from her 1990 trip to Ireland in a book titled “Blarney and Blessings”. The book is available for $15 at the Ex Libris Bookshop, 110 Main Street in Marblehead; Twisted Sisters Gallery 318 W. Main St.; Unique Antique Jewelry & Gifts, 206 Madison St. in Port Clinton; and at The Beacon office in the Beacon Place Business Center next to Goodwill. Erin Go Braugh!

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Lenten fish fry begins Friday

The Port Clinton Knights of Columbus will begin their annual Lenten Fish Fries this Friday, March 7 from 5-7:30 p.m. and it continues each Friday during Lent. This year, the Knights are offering a new menu featuring ALL YOU CAN EAT meals for $8 for adults and $4 for children under 12. The menu will feature hand breaded fish, French fries, coleslaw, mac & cheese, applesauce, lemonade, coffee and a variety of desserts…all included in the ALL YOU CAN EAT price. The meals will be served at the Denny Bergeman K of C Hall at 109 E. Perry Street in downtown Port Clinton. 

Last week I told you about the “Buckeye Cancer Cruise” Mary Alice and I got to go on. It’s back to Buckeye Madness this week! The Ohio State Alumni Club of Ottawa County is holding their annual Scholarship Auction Friday night, March 7 at the Port Clinton Elk’s Lodge. Doors open at 6 p.m., the Tailgate Buffet begins at 6:30 p.m., and the Grande Auction starts at 7 p.m. A $20 donation gets you into the event and includes the tailgate buffet. Go Bucks!!!

Our “Find Wylie” winner this week is Debbie Taber of Port Clinton who was one of 175 people who found our friendly fish in the ad for Marblehead Lite B&B on page 1B in last week’s Beacon. Debbie wins our weekly $20 gift card from Friendship Food Stores. We’ll be hiding Wylie again this week, so if you find him, drop off an entry form at our office in the Beacon Place Business Center or click on the Find Wylie Icon at our website www.thebeacon.net. 

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What happens now?

When a person dies, one of the first questions to arise is “where does everything go?” Here is a quick overview of how assets pass at death.

By Law 

Ohio statutes allow assets to be titled in such a way as to permit automatic transfer upon death with the presentation of a death certificate. Examples are:

1. Tenancy by entirety, Joint Tenancy with right of survivorship (WROS), any co-ownership with survivorship provisions. 

2. The persons inheriting are the named survivors on the accounts.

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Cruisin’ with the Buckeyes for cancer

This column might be a bit short this week, since I was able to score passage for Mary Alice and I aboard the Brilliance of the Seas Cruise Ship last week for the Buckeyes Cruise for Cancer, hosted by OSU football coach Urban Meyer and his wife Shelly. This was the seventh annual cruise that started with Chris Spielman and his wife Stephanie, who died from breast cancer several years ago. We met a lot of very neat people, including Iris Keels, the mother of Paul Keels, the voice of the Buckeyes, who worked many years at Xavier University. It turns out that we knew a lot of the same people from back when I went to school there in the late 1960s. Then it turns out her son started his broadcast career the same place I did, at WVXU FM. One of the highlights, as indicated by the photo, was when Dr. David George and his wife Pat met Eddie George, the Heisman Trophy winner. We kidded David all week about getting together with his “Cousin Eddie”. The alumni band played every day, the alumni cheerleaders led the crowd in cheers every day, and Urban and Shelly Meyer and their family members talked about the loss of Urban’s mother, who also died from cancer. Meyer became very emotional discussing that topic. The cruise raised close to a half million dollars for cancer research. There were quite a few Ottawa Countians on the trip, including County Commissioner Jim Sass and his wife Mollie. 

Our “Find Wylie” winner this week is Nathan Holman of Port Clinton, who was one of 167 people who found our friendly fish in the ad for Mutach’s Market on page 6A in last week’s Beacon. Nathan wins our weekly $20 gift card from Friendship Food Stores. We’ll be hiding Wylie again this week, so if you find him, drop off an entry form at our office in the Beacon Place Business Center or click on the Find Wylie Icon at our website, www.thebeacon.net. 

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First Coffee with the Editor held

Our first Coffee with the Editor session at Common Grounds was kind of sparsely attended. We did have a nice conversation with Catawba Island resident Bill O’Donnell, a semi-retired insurance executive, who was given a history lesson on the trials and tribulations of Port Clinton and Waterworks Park. We also had drop-bys from Drew and B.J. Surovjak and their daughter Kami as well as Chris Galvin from United Way. Don’t forget, every Wednesday at Common Grounds at 9 a.m. They are offering their gourmet coffee for just 99-cents with one refill. 

My son Mark, who works here as a graphic designer, celebrated his 31st birthday on Monday. He was actually born 3 days before we published our first Beacon. It was called the Port Clinton Beacon back then. Volume 1–Number 1 was published and distributed on February 20, 1983, 31 years ago today. Doesn’t time go by in a blink? So many memories, so many friends. We took Mark and his fiancée Dionne out for dinner at Ciao Bella on Sunday evening and bumped into Phil and Gretchen Treuhaft while we were there. Gretchen is now living in Albany, New York. It was a great meal.

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Tired of winter?

Tired of winter by now? Me too. I got a great email last week from an old friend, Randy Carson. Yes…THAT Randy Carson, former News and Sports Director at WRWR back in the late 1970s. He actually does read The Beacon online and wanted to share his amazing experience while working at WRWR during the blizzard of ’78. 

“It changed from rain to a blizzard in a matter of moments,” Randy told me. “All I remember is being stranded at the Radio Station for a few days with Tim (Adkins) and Bill (Beinke) using the airtime to pass along messages to people in between playing summertime music, napping under the desk when the power went out…being fed and cared for by neighbors of the radio station…ahhh…good times.” 

Randy is now working in Tampa, Florida for a Research Company.

As expected, our first Coffee with the Editor session at Common Grounds was snowed out last Wednesday. So, we will try it again this week. The plan is that every Wednesday at 9 a.m. we hope you will join Beacon Editor Jasmine Cupp and me for this casual gathering to discuss new story ideas, photo opportunities and community happenings. Common Grounds is offering small coffees (with one refill) for 99 cents. 

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Jobs just posted

We are off to a great start for our new focus on jobs. We have nearly a half-page of “Jobs Just Posted” on page 2A this week. As I have said for many years, many of the economic ills of our area, and our country for that matter, can be cured by matching up people with jobs. Our sales staff of Vicki Theobald, Bill Derivan and Connie Roberts did a great job of kicking things off this week with this new feature. As of our last audit, even with the weather here being so lousy, The Beacon reaches 19,565 readers in Ottawa County, many of whom are in need of good paying jobs. 

Another new feature we are launching, although as I write this on Tuesday, there are expectations of another heavy-duty snowstorm looming for Wednesday, is our new “Coffee with the Editor” at Common Grounds in the Sutton Center on Port Clinton’s far east side. Every Wednesday at 9 a.m. we hope you will join Beacon Editor Jasmine Cupp and me for this casual gathering to discuss new story ideas, photo opportunities and community happenings. Common Grounds is offering small coffees (with one refill) for 99-cents. Our first session will be this Wednesday, Feb. 5. See you there, weather permitting.

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