Encl: as above र ष ट र य क व और ग र म ण ववक स ब क National Bank for Agriculture and Rural Development ववत त य सम व शन और ब कक ग प र द य गगक ववभ ग

Transcription

1 Ref No. NB.HO.DFIBT/ / DFIBT-70/ November 2016 Circular No. 271 / DFIBT- 37 / 2016 The Chairman / Managing Director/Chief Executive Officer Regional Rural Banks / State Co-operative Banks / District Central Cooperative Banks Dear Sir, Social Security Schemes- Submission through ENSURE Portal As per instructions from Department of Financial Services, Ministry of Finance, GoI, NABARD is required to upload the data for Pradhan Mantri Jan Dhan Yojana (PMJDY), Pradhan Mantri Suraksha Bima Yojana (PMSBY), Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Atal Pension Yojana (APY) on its web portal in prescribed format on daily basis. At present the data is submitted to NABARD by the respective Banks. 2. In order to streamline and speed up the data submission process, new Forms have been created under ENSURE platform. Banks may use this platform from 28 th November 2016 onwards for filling data regarding Social Security Schemes. Banks are advised to submit returns on a daily basis. 3. Detailed instructions with respect to submission of returns are given at Annexure 1. In addition, four video help modules are attached for easy reference. These videos can be viewed online or downloaded from the web links mentioned in Annexure II. The instructions for first time filling of data is given in Annexure III. In case of any clarification please contact: Shri Pankaj Kumar, AGM , Shri Abhishek Srivastava, Mgr , Shri Makrand Padhye, AM , Yours faithfully (Subrata Gupta) Chief General Manager Encl: as above र ष ट र य क व और ग र म ण ववक स ब क National Bank for Agriculture and Rural Development ववत त य सम व शन और ब कक ग प र द य गगक ववभ ग प ल ट क र स -24, 'ज ' ब ल क, ब द र -क ल क म पप ल क स, ब द र (प व ), म बई ट ल : फ क स: ई म ल: dfibt@nabard.org Department of Financial Inclusion and Banking Technology Plot No. C-24, 'G' Block, Bandra-Kurla Complex, Bandra (E), Mumbai Tel.: Fax: dfibt@nabard.org

2 Endt. Ref No. NB.HO.DFIBT/ Copy forwarded for information to: / DFIBT-70/ of date 1. The Chief General Manager/Officer-in-Charge, NABARD, All Regional Offices. RO is requested to constantly monitor the Banks for timely submission of returns. The role of RO users is detailed in Annexure IV. 2. The Principal/Director/Joint Director, NABARD, All Training Establishments 3. The Secretariat of Chairman, NABARD, Head Office, Mumbai. 4. The Secretariat of DMD (HRD), NABARD, Head Office, Mumbai. 5. The Secretariat of DMD (RA), NABARD, Head Office, Mumbai. 6. The Chief General Manager, Institutional Development Department, NABARD, Head Office, Mumbai 7. The Chief General Manager, Secretary s Department, NABARD, Head Office, Mumbai. 8. The Chief General Manager, Department of Supervision, NABARD, Head Office, Mumbai. 9. The Chief General Manager, Department of Information Technology, NABARD, Head Office, Mumbai. (Abhishek Srivastava) Manager

3 Annexure - I ENSURE NABARD s Portal for ElectroNic SUbmission of REturns Bank User Guide for Submitting Social Security Scheme & PMJDY Return

4 Contents System Requirements... 6 Introduction to Roles...7 Submission Workflow... 8 Common workflow for all Users... 9 Bank Admin Bank Maker Bank Checker... 22

5 About This Guide The User Guide is a comprehensive procedure manual for banks using ENSURE Introduction to ENSURE ENSURE or ElectroNic SUbmission of REturn & Analysis of Data is a web-based application which aims to replace the current practice of submission by banks to NABARD. ENSURE is an easily accessible and secure online reporting system which will not only facilitate submission of returns but also help users to identify the returns which are pending/ overdue. Access to ENSURE is password protected and users will have specific roles and rights assigned to them for using various facilities of ENSURE. ENSURE will allow, depending on the roles and rights accorded to a user, the following activities: Add users Assign role to users Submit Returns The system will automatically check for any data validation rule stipulated by NABARD and only validated return will be allowed to be submitted to NABARD. The system has a maker-checker facility to ensure that only properly checked data are submitted to NABARD View returns rejected by NABARD. Resubmit rejected returns View submitted returns

6 System Requirements Browser: Microsoft Internet Explorer 10+ Mozilla Firefox 18+ Memory: 1 GB RAM or more Internet Connection: Applications: Screen Resolution: 2 Mbps or more Microsoft Office 2010 or above 1024 x 768 or above Getting Started 1. Go to the ENSURE website in web browser. For this, type the URL: in the address bar of the browser and click on enter. 2. First time when the user logs in, he/she would be prompted to change the password.

7 Introduction to Roles 1. Bank Admin Bank admin user will be created by NABARD and the credentials of this user (namely ID and password) would be provided to each bank. This user will be able to add/ view/ modify other users of the Bank. It is Bank Admin s responsibility to create Bank Maker, Bank Checker and Bank Executive. The maximum number of users a Bank Admin can create is restricted by NABARD. This user has to assign the returns published by NABARD to the users. Each return can be mapped to one maker and one checker only. This user can modify the user-return mapping any time. 2. Bank Maker User with Bank Maker role is responsible for filling up the data in each return. The user has two methods to fill up returns in ENSURE: fill up returns online or alternatively, download the return in excel format, fill it up and then upload excel sheet. This user will be able to see the pending and overdue returns in the dashboard. Once the data is filled in, this user has to validate and send the return to the specified Bank Checker using the controls provided in the web page of respective return. 3. Bank Checker User with Bank checker role is responsible for verification of the data in the return submitted by a Bank Maker. After verification, the return can be submitted to NABARD. In case there is any error in the data filled in by the Bank Maker, the return can be rejected by the Bank Checker and the same would be sent back to the Bank Maker for necessary correction. The Bank Checker cannot incorporate any correction; however, he/ she can provide comments giving reasons for rejection. The rejected return with checker s comments becomes available to the prescribed Bank Maker for modification and resubmission to the checker. 4. Bank Executive User with Bank Executive role can only view the submitted returns. This user will get alert message whenever a return is submitted to NABARD by the Bank Checker.

8 Submission Workflow NABARD 1. Publish Return Bank Admin Bank 7. Return Rejection Mail 3 Assign Return 2.Assign Return Bank Checker 4. Return Filing 6. Return Submission 4.1 Reject Return Bank Maker Bank Executive 5. Submission Mail Return preparation As shown above in the chart, there are 6 key steps and 2 optional steps in the submission of a return. 1. Publish Return NABARD will publish the returns to the bank through ENSURE. All the banks will be notified by in case a new return is published by the NABARD. The same return will be available to the Bank Admin. The returns can have different frequency and scaling factor (Denomination size such as lakh, amount, etc.). 2. Assign Return (to Maker) The Bank Admin will be able to view all the returns published by NABARD. It is Bank Admin s responsibility to assign returns to different makers. This mapping can be changed by the Bank Admin any time.

9 3. Assign Return (to Checker) The Bank Admin will be able to view all the returns published by the NABARD. It is Bank Admin s responsibility to assign the return to one checker only. This mapping can be changed by the Bank Admin any time. 4. Return Filing Return preparation and return filing is the responsibility of the Bank Maker. The maker can view pending and overdue returns in the dashboard. It is maker s responsibility to submit the return within time. The process of filing is explained thoroughly in the later part of this document. All the returns rejected by NABARD would be highlighted in red color in the Bank Maker s dashboard. 4.1 Reject Return A return can be rejected by Bank Checker along with appropriate comments specifying the reason for rejection. On rejection, the return would be sent back to the Bank Maker. 5. Submission Mail On submission of a return by Bank Checker to NABARD, all the bank executives within the bank will be alerted by an specifying the name of the return along with the date for which the return is submitted. 6. Return Submission It is the responsibility of the Bank Checker to submit returns to the NABARD. Only after the return is submitted, NABARD will be able to see the data in the ENSURE application. On successful submission, a confirmation message and an acknowledgment receipt will be generated and displayed to the Bank Checker. 7. Reject Return (Optional) A return may be rejected by the NABARD along with appropriate comments specifying the reason for rejection. On rejection, the return is assigned to the Bank Maker and an alert is sent to the Bank Checker informing the same. Common workflow for all Users To start the ENSURE, connect to internet through a dial-up connection or through a dedicated line. Open a browser such as Microsoft Internet Explorer 10.0 or Mozilla Firefox 18 (or a higher version of any of these browsers). In the browser, enter the URL provided ( and press Enter key. The Login page of ENSURE is displayed.

10 Login 1. Invoke the browser (Internet Explorer 10.0/ Mozilla Firefox 18 or above). 2. In the browser, enter the URL provided. 3. Press Enter key. ENSURE Login page is displayed. 4. In the Login Page, Enter Login id. 5. Enter Password. 6. You can make use of virtual key board for entering login details. 7. Click the keyboard symbol ( ). The virtual keyboard will pop up on the screen. You can click on the alphabets to enter login / password details. 8. The application asks for a One Time Password which will be sent to the user s registered mobile. After input of OTP, the user may login. The application saves the IP address of 3 systems and will not ask for OTP if the user logs in from these systems 9. Click Login. On successful authentication, the ENSURE main page is displayed. Forgot Password If you have forgotten your login information, please enter the following details.

11 1. In Login page, click Forgot Password link. The Forgot Password page is displayed. 2. Enter Login Id. 3. Enter the captcha Code displayed at Enter Code. In case the code displayed is difficult to read, click on the Refresh button given next to it to display a new image. 4. Enter Reset Now. An encrypted URL will be sent to the user by . The password can be reset by clicking on the encrypted URL. 5. Click Clear, to clear the fields.

12 Post Login Work Environment On successful login, the ENSURE Main page is displayed. Menus Vertical drop-down Menus are available on the left hand side of the application. The sub menus are arranged in drop-down form on left hand side below the main menu. The sub menus can be viewed by clicking on the menu link. For example, clicking on the Settings menu, the corresponding sub menus (such as Set Default Page and Welcome Page are displayed) in the form of links. By clicking on the link, the corresponding page is displayed. Click Settings Welcome page. The Welcome page is displayed. User Id At the top of the main application, details of the logged in user such as Roll Name, User Id, Last Login Time and Date and Terminal IP Address are displayed. Click on Click Here link in contact us page of the application. This will open a window for you to send an . You can enter address. You can enter subject of the message. You can add an attachment by clicking on Attachment. Click Send Mail, to send mail.

13 Log Out Click Log Out at the top right page of the application, to move out of the application. Settings If the ENSURE session remains unattended for more than 30 minutes, the session is automatically logout. The following topics are discussed: Welcome Page Set Default Page Welcome Page Click Settings Welcome Page. The Welcome page is displayed. Set Default Page Click Settings Set Default Page. The Set Default page is displayed. 1. Click on Page Name to set as default page. 2. Logout is required for changes to take effect.

14 Bank Admin The following topics are discussed: Master User Return Mapping Master The following topic is discussed User Master User Master This page is used to create and manage Bank Makers, Bank Checkers and Bank Executives within the bank. The following topics are discussed in detail: Add User Activate User Edit User Add User Deactivate User This page is used by Bank Admin to create login for users desiring access to ENSURE.

15 1. Click Master User Master. The User Master page is displayed with details. 2. Click Add New ( ) button, to add a new user. The Create New User page is displayed. 3. Enter User Name. 4. Enter Login Id. 5. Enter Password. 6. Select the required Role Name, by selecting the check box against it. 7. Click Select one roles for a single user from the available Role Name(s). 8. Enter Designation, Phone No., Mobile No. and address. 9. Click Save. The User Created Successfully message is displayed.

16 To view alphabetical order-wise user details click on the alphabets available at the top-left of the page. The user list in alphabetical order is displayed. Edit User This page is used by Bank Admin to modify the user details in ENSURE. 1. Click Master User Master. The User Master page is displayed with details. 2. Navigate to the required user name you want to edit. 3. Click Edit User ( ) against the required user name. The Edit User page is displayed in edit mode. 4. Edit the changes as required. 5. Click Update. On confirmation, the User Updated Successfully message is displayed.

17 You have to activate the user before editing it. Deactivate User This page is used by Bank Admin to Deactivate a user in ENSURE. A deactivated user cannot access the ENSURE application. 1. Click Master User Master. The User Master page is displayed with details. 2. Navigate to the required user name you want to deactivate. 3. Click ( ), against the required user name. On confirmation, the record is deactivated. Activate User This page is used by Bank Admin to activate a deactivated user. After activation a user can access ENSURE application. 1. Click Master User Master. The User Master page is displayed with details. 2. Navigate to the required user name you want to activate. 3. Click Activate ( ) against the required user. On confirmation, the required user is activated. User Return Mapping This step is required to be done by the Bank Admin user after a return is published by NABARD. 1. Click Admin User Return Mapping. The User Return Mapping page is displayed. 2. Select User.

18 3. Role will be auto-populated. 4. Select Return. 5. Click Go. The page is divided into two columns: Available Returns and Associated Returns. Available Returns displays all available forms, Associated Returns displays forms associated with the selected user. 6. To add an available return, select the return from Available Returns. Click Add ( ). The selected items move into Associated Returns list. 7. To remove an associated return, select the return in the Associated Returns list. Click Remove ( ). The selected form is deleted. 8. Click Save. The customized profile is applied to the page. 9. Click Download Return Mapping List, in order to view the returns mapped to all users within the bank. 10. Click Back, to navigate back to User Return Mapping page. Bank Maker The following topic is discussed Dashboard Return Filing

19 Dashboard This Dashboard is used to display pending and overdue Returns. On clicking the Return name, the page will be redirected to Return filing page where Bank Maker can enter the data. Click Dashboard. The Dashboard page is displayed. a. On the Dashboard page the Bank Maker will be able to see all the pending and overdue returns. b. By clicking on any of the link the user will be navigated to submit return screen where all the parameters of the return will be auto populated. c. In case any Return is rejected by the Bank Checker it will be shown in the dashboard with status Rejected Return Filing Bank maker desiring to submit the return can use this page to enter the data in a return. The user needs to follow steps mentioned below to submission of Social Security Scheme and Pradhan Mantri Jan-Dan Yojana return. 1. Click Return Filing Submit Returns. The Submit Returns page is displayed. 2. Select Submission Type as At one Go or Form Level. There is no difference between the two for present set of returns. 3. Select Return. Select either Pradhan Mantri Jan-Dhan Yojana or Social Security Schemes. 4. By default Frequency is displayed as Ad hoc. 5. By default Period End Date- Current Date is displayed. 6. By default Scale factor is displayed.

20 7. Then click on Load Return. Maker Screen for PMJDY return Note: Col 1- On date : is the Date for which the cumulative position of No. of PMJDY Accounts opened is to be entered. On Date should not be date of entry. Eg: If date of entry is , date should be previous date. ie Maker Screen for Social Security Scheme return

21 Note: 1. Col 1- Date of Enrollment : Date should not be date of entry. Eg: If date of entry is , date should be previous date. ie The Data entry for all the three schemes viz. Atal Pension Yojana, Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha Bima Yojana has to be entered at the same time. As in a day, the submission of returns is allowed only once by the system. After clicking the application shows Submission Late by number of days, if any. a. For Online Filing of Social Security Schemes Return. In online filing the user has to enter all the data in the form online. The user can enter the data and click on Save to partially save the data on the form. The user can login anytime later to fill rest of the data. After all the data is entered, click on Validate & Send To Checker, this will validate all the data and formulae. In case of any error the user will not be able to submit the return to checker. The error message Some validation parameters failed. Rectify the errors and then re-submit appears. The user can download the list of errors in an excel sheet by clicking on Download Validation Error Report button. b. For Offline filing Click on Download Return button. In offline filing, first step is to download/ export the template from the application in Excel format. In this template data for all the forms/ sheets can be entered. This file has to be uploaded in the application by clicking on Upload Return. The return parameters like Period/ Ad-hoc will be used as reference to save the data. After all the data is uploaded, click on Validate & Send To Checker, this will validate all the data and formulae. In case of any error the user will not be able to submit the return to checker. The error message Some validation parameters failed. Rectify the errors and then re-submit appears. The user can download the list of errors in an excel sheet by clicking on Download Validation Error Report button. Maker Screen for Social Security Scheme Return

22 To add a new row in the table, click on ( ) button and to delete a row click on ( ) button. Bank Checker Dashboard This Dashboard is used to display pending and overdue returns. On clicking the return name, the page will be redirected to Validate Return Data page where Checker can view the data. a. On the Dashboard page the Bank Checker will be able to see all the pending and overdue returns. b. By clicking on any of the link the user will be navigated to the Validate Return Data page where all the parameters of the return will be auto-populated. c. In case any return which has been earlier rejected by Checker and is resubmitted by the Maker it will be shown in the Dashboard with status Resubmitted

23 Validate Return Data The job of Bank Checker is to verify all the data fed by the Bank Maker in a Return before it is submitted to NABARD. Therefore, the responsibility of the Bank Checker is to ensure data accuracy. 1. Click Returns Filing Validate Return Data. The Validate Return Data page is displayed with the parameter to be selected for the relevant Return. 2. By default Licensee (Bank) Type is displayed. 3. Select Licensee (Bank) Sub Type and Licensee (Bank) Name are displayed. 4. Select Submission Type. At One Go or Form Level both are same. 8. Select Return. Select either Pradhan Mantri Jan-Dhan Yojana or Social Security Schemes. 5. By default Frequency is displayed. 6. By default Period End Date is displayed as Current Date. 7. Click Load Return or Download Return, to fetch the Return relevant to the parameters selected above. Load Return would load the selected return on the screen while Download Return would download the selected return in excel format. 8. Enter Comment, if the Checker rejects the Return.

24 Generate Code After the data is verified, the Bank Checker has to generate a code by clicking on the Generate Code button. This code has to be copied to or typed in the field Validated Code. Click on Submit. Only after verification of this code the user will be able to submit the return to the NABARD.

25 After verification of the code the user can now go ahead and submit the return to NABARD by clicking the button Submit to NABARD. An acknowledgment number would be generated by the system which will act as a proof of submission. Reject Return In case the Bank Checker finds some data entered by the Bank Maker is not correct, he/ she can reject a Return by clicking on Reject button. The Bank Checker can provide comments for rejection in Comment box. The comments have to be saved by clicking on the Save Comments button.

26 The comments will available to the Bank Maker along with the rejected return. Similarly NABARD can also reject a return by providing comments. Comments of both NABARD and Bank Checker can be viewed by the Bank Maker in comment box by selecting on the rejected return. By clicking the Reject button the return will be rejected and a mail alert will be sent to the Bank Maker specifying the return name and period for which data is to resubmit. A confirmation message is shown to the Bank Checker on top of the page, after rejecting a return.

27 Frequently Asked Questions (FAQs) Q1. How will Bank create user id and Password for filling data? Ans. Every Bank has a Bank Admin who can create any no. of Maker and Checker ids for data entry and verification. The steps followed for creation of Maker and Checker are similar to the ones followed for DoS returns. Q2. Why Banks are not able to see the new return viz. Pradhan Mantri Jan Dhan Yojana and Social Security Schemes? Ans. Bank Admin has to map the new Returns with Maker and Checker ids. This is a one time activity and the steps followed are similar to the ones followed for DoS returns. Q3. What is the frequency of Data Entry by Banks for Pradhan Mantri Jan Dhan Yojana and Social Security Schemes returns? Ans. Every bank has to fill data with respect to the two Returns on a Daily basis. Q4. Why the system is not allowing to select Current Date in On Date col-1 in PMJDY return and Date of Enrollment col-1 in Social Security Schemes return? Ans. On Date in PMJDY Return and Date of Enrollment in Social Security Schemes return has to be the date prior to the Current Date. For Ex: If Present Date is 16 th November 2016, the On Date and Date of Enrollment would be 15 th November Q5. If I (Maker) fill data pertaining to only one scheme in Social Security Schemes Return and submit the data to Checker. Now, How I can fill the data for other two schemes in the same return. Ans. Social Security Schemes Return can be submitted only once in a day. Hence, data must be submitted for all the three schemes viz. APY, PMJJBY & PMSBY at one go. Ideally, once Maker start filling data related to Social Security Schemes, he should fill data for all the three schemes viz. Atal Pension Yojana, Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha Bima Yojana, at the same time. However, if the scenario mentioned in above question occurs, then Checker has to reject the Return and Maker has to again fill the data. Q6. If more than one Returns have to be rejected by Checker. Then in what order they have to be rejected? Ans. For PMJDY Returns, since the data entry is on a cumulative basis, if a Return to a particular date is rejected then all the submitted returns prior to that date has to be

28 rejected. For Social Security Scheme Returns, as the data entry is on incremental basis, so any Return may be rejected without adverse effect on any other submitted Return. Q7. Once a Return is rejected either by Checker or NABARD, the Maker is not able to submit the Return. Why? Ans. In the case of rejected Returns, if the maker changes the On Date in PMJDY and Date of Enrollment in Social Security Schemes to any other Date different from the date of previous submitted return, the system will not allow the submission of Return. So, in case of any rejected Return the on Date and Date of Enrollment should not be altered.

29 URLs to watch video 1. Bank Maker- PMJDY return 2. Bank Checker- PMJDY return List of video help files 3. Bank Maker- Social Security Schemes return 4. Bank Checker- Social Security Schemes return Annexure II URLs to download video 1. Bank Maker- PMJDY return KsbDXxMnZ3dmtkRlplNkE/view?usp =sharing 2. Bank Checker- PMJDY return KsbDXxbEU0b2VQeXdnSmM/view?u sp=sharing 3. Bank Maker- Social Security Schemes return KsbDXxWjhIRmlFcXVEN0k/view?usp =sharing 4. Bank Checker- Social Security Schemes return KsbDXxX3hrbDFmSG5fMjQ/view?usp =sharing

30 Instructions for First Time Filling of Data A. For Social Security Schemes Return: Compulsory Entries: Annexure-III The first three entries in the social security schemes return are mandatory. These entries have to be carried out on three separate days as the system will allow to enter only one return per day. 1. For the first entry, select Date of Enrollment as 31 May The data with respect to number of enrolments in Atal Pension Yojana, PMJJBY and PMSBY from 1 st June 2015 to 31 st May 2016 needs to be entered. 2. Next Day, select Date of Enrollment as 31 st August Enrolments from 1 st June 2016 to 31 st August 2016 regarding three social security schemes to be entered. The data entered should be incremental and not the cumulative data from previous entry. 3. On the third day, select Date of Enrollment as 28 th November The data to be entered for this date would be the combined data available from 1 st September 2016 to 27 th November From 28 th November onwards, the Data entry may be done on daily basis. 5. Data entry would be on incremental basis. B. For Pradhan Mantri Jan Dhan Yojana Return: a. Data entry would be on cumulative basis. b. While making entries, the On Date may be selected from the drop down calendar as the latest date on which data is available. c. All the fields are mandatory. ***

31 Annexure IV Role of RO Users RO User may Accept or Reject a particular Return Steps for Rejection: 1. Login to ENSURE with the given ID and password and click on Accept/Reject Returns menu. 2. The menu for rejection of submitted returns opens as follows. Then the desired parameter under each of the items such as Licensee Type, Licensee Sub Type, Return etc.

32 3. To quickly find the desired bank whose return is to be rejected, use search function. For search bar, use Alt+E and then click on f. or Ctrl+F (Please note that the location of the bar would vary from browser to browser, but this key combination would work in all browsers. Alternatively, go to edit menu and then select find.) Type the name of the bank you want in the search bar. As you type, banks with the string appears highlighted. 4. Also select the return name and enter the range for Period End Date. Note that the format for date is dd-mm-yyyy. And then click on Go.

33 5. The list of returns which falls within the specified range of Period End Date appears. Ensure that the list displays correctly the bank name and the return you want to reject. Ensure the selected bank and the return selected is correct. 5.1 Select the Period End Date for which you want to reject the return and then click on ( ), at the end of the line. Rejection comment box appears.

34 6. Select the appropriate Reject Reason from the drop down. Then write Comments for rejecting the return clearly. Also give a new date for re-submission of the return and then click on Reject Return button. 6.1 Give reason for Rejection. 6.2 Give Comments on Rejection. 6.3 Give Due date for resubmission. 6.4 And then click on Reject Return. 7. Return Rejected Successfully and a message shall appear informing the user about the same. Click on OK.

35 Steps for Accepting Return: 1. Select the Period End Date for which you want to accept the return and then click on the ( ) button at the end of the line. 2. Return Accepted Successfully message appears. Click on OK

36