FEMA Officials Urge Applicants for Aid to ‘Stay in Touch,’ get answers, resolve issues

NORTH LITTLE ROCK – Arkansas residents who have registered with FEMA for disaster aid are urged by recovery officials to “stay in touch.” It’s the best way to get answers and resolve potential issues that might result in assistance being denied.

“Putting your life back together after a disaster is difficult,” said Nancy M. Casper, federal coordinating officer for FEMA. “While the process of getting help from FEMA is intended to be simple, it’s easy to understand how sometimes providing important information is overlooked or missed.”

Residents of nine Arkansas counties affected by the severe storms, tornadoes, straight-line winds, and flooding during the period of May 7 to June 15, 2015 may be eligible for disaster assistance. Residents of Crawford, Garland, Howard, Jefferson, Little River, Miller, Perry, Sebastian, and Sevier counties are encouraged to register for assistance with FEMA.

After registering, it’s important to keep open the lines of communication.  “It’s a two-way street,” said Casper. “FEMA can’t offer assistance to survivors who – for whatever reason – have not provided all the necessary information.”

After registering with FEMA, applicants will receive notice by mail within 10 days on whether or not they qualify for federal disaster assistance.

  • If eligible, the letter explains how much the grant will be, and how it is intended to be used.
  • If ineligible – or if the grant amount reads “0” – you may still qualify. The denial may just mean the application is missing information or that you missed an appointment with an inspector.

Applicants who are denied assistance may call the Helpline to understand why, or go online to www.disasterassistance.gov or m.fema.gov. Becoming eligible for assistance may be as simple as supplying missing paperwork or providing additional information.

FEMA looks at a number of things to determine if a survivor will receive disaster assistance. The agency must be able to:

  • Verify an applicant’s identity.
  • Verify damages. If you believe the inspector didn’t see all of your damages, call the FEMA Helpline at 1-800-621-3362.
  • Verify home occupancy. Applicants need to provide proof of occupancy such as a utility bill.
  • Collect insurance information.

“FEMA personnel are here to help,” said Scott Bass, state coordinating officer with the Arkansas Department of Emergency Management. “Keep in touch. Use the Helpline. You’ll get answers to your questions and help with understanding the assistance process, and ways to move your personal recovery forward.”

Individuals and business owners who sustained losses can apply for assistance by registering online at www.DisasterAssistance.gov or by calling 1-800-621-FEMA (3362) or by web enabled mobile device at m.fema.gov. Disaster assistance applicants, who have a speech disability or hearing loss and use TTY, should call 1-800-462-7585 directly; for those who use 711 or Video Relay Service (VRS), call 1-800-621-3362.

The toll-free telephone numbers will operate from 7 a.m. to 10 p.m. (local time) seven days a week until further notice. Multilingual operators are available.

FEMA’s mission is to support our citizens and first responders to ensure that as a nation we work together to build, sustain, and improve our capability to prepare for, protect against, respond to, recover from, and mitigate all hazards.

 

 

 

Read the article:

FEMA Officials Urge Applicants for Aid to ‘Stay in Touch,’ get answers, resolve issues

FEMA, State Grants Will Not Affect Social Security or Benefits

NORTH LITTLE ROCK –Arkansas residents rebuilding from the severe storms of late spring will not lose Social Security benefits, pay additional taxes, or give up income-based benefit programs if they accept federal or state disaster aid.

In most cases, the Social Security Administration does not count federal or state disaster aid as income, according to recovery officials from FEMA and the Arkansas Department of Emergency Management.

FEMA/ADEM provided these answers to two common questions:

Question: Will receiving disaster aid result in my income being increased so that I am no longer eligible for Medicaid, welfare assistance, food stamps or Aid to Families with Dependent Children?

Answer: No. Assistance for housing and Other Needs Assistance (ONA) are not counted as income in determining eligibility for any income-based benefit programs funded by the U.S. government.

Question: If I earn more than a certain amount each year, I must repay $1 of my Social Security payment for every $2 earned. Will FEMA grants add to my income and require me to repay Social Security?

Answer: No. FEMA grants for housing and ONA are not counted as income.

Residents of nine Arkansas counties affected by the severe storms, tornadoes, straight-line winds, and flooding during the period of May 7 to June 15, 2015 may be eligible for disaster assistance. Residents of Crawford, Garland, Howard, Jefferson, Little River, Miller, Perry, Sebastian, and Sevier counties are encouraged to register for assistance with FEMA.

Individuals and business owners who sustained losses can apply for assistance by registering online at www.DisasterAssistance.gov or by calling 1-800-621-FEMA (3362) or by web enabled mobile device at m.fema.gov. Disaster assistance applicants, who have a speech disability or hearing loss and use TTY, should call 1-800-462-7585 directly; for those who use 711 or Video Relay Service (VRS), call 1-800-621-3362.

The toll-free telephone numbers will operate from 7 a.m. to 10 p.m. (local time) seven days a week until further notice. Multilingual operators are available.

FEMA’s mission is to support our citizens and first responders to ensure that as a nation we work together to build, sustain, and improve our capability to prepare for, protect against, respond to, recover from, and mitigate all hazards.

 

 

 

Follow this link:

FEMA, State Grants Will Not Affect Social Security or Benefits

Weekend Hours at Disaster Recovery Centers in Howard, Jefferson Counties to Change

NORTH LITTLE ROCK – Weekend hours at the disaster recovery centers in Howard and Jefferson counties will change beginning Saturday, July 18.  The centers provide help to those whose homes or businesses were affected by the severe storms, tornadoes, straight-line winds, and flooding during the period of May 7 to June 15, 2015.

Effective immediately, hours are from 9 a.m. to 7 p.m. Monday through Friday, and Saturday from 9 a.m. to 3 p.m. Closed Sundays.

Representatives from the Arkansas Department of Emergency Management, the Federal Emergency Management Agency, the U.S. Small Business Administration and other agencies are at the centers to explain disaster assistance programs and help survivors apply for aid.

The disaster recovery centers are located at the following addresses:

Howard County

Carter Day Training Center

200 Lake Nichols Drive

Nashville, AR 71852

Jefferson County

Pine Bluff Convention Center

(Entrance D)

500 East 8th Ave

Pine Bluff, AR 71601

Those seeking disaster assistance should register with FEMA before going to a disaster recovery center. Individuals and families who suffered losses as a result of the late spring storms may register online at www.disasterassistance.gov or those without access to the internet, can call FEMA’s toll-free registration number at 1-800-621-3362 (FEMA) or (TTY) 1-800-462-7585 for persons who are deaf or hard of hearing. The toll-free telephone numbers will operate from 7 a.m. to 10 p.m. (local time) seven days a week until further notice. Multilingual operators are available.

Each disaster recovery center has assistive technologies for people with disabilities. ASL interpreters are available at the DRCs by calling 870-451-9241.

Anyone who sustained damage in Crawford, Garland, Howard, Jefferson, Little River, Miller, Perry, Sebastian, or Sevier counties designated for federal disaster assistance can visit any disaster recovery center.

Federal disaster assistance for individuals and families can include money for rental assistance, essential home repairs, personal property loss and other serious disaster-related needs not covered by insurance.

Low-interest disaster loans from the Small Business Administration (SBA) are available to help with residential and business losses not covered by insurance. The SBA is the federal government’s primary source of money for the rebuilding of disaster-damaged private property. SBA helps businesses of all sizes, private non-profit organizations, homeowners and renters fund repairs or rebuilding efforts and cover the cost of replacing lost or disaster-damaged personal property.

For more information on SBA programs, applicants may contact SBA’s Disaster Assistance Customer Service Center by calling (800) 659-2955, emailing disastercustomerservice@sba.gov, or visiting SBA’s website at www.sba.gov/disaster. Deaf and hard-of-hearing individuals may call (800) 877-8339.

# # #

 

 

FEMA’s mission is to support our citizens and first responders to ensure that as a nation we work together to build, sustain, and improve our capability to prepare for, protect against, respond to, recover from, and mitigate all hazards.

This article:  

Weekend Hours at Disaster Recovery Centers in Howard, Jefferson Counties to Change

Disaster Recovery Center Open in Crawford County

NORTH LITTLE ROCK – A joint federal/state disaster recovery center will open in Crawford County on Tuesday, July 14 to help those whose homes or businesses were affected by the severe storms, tornadoes, straight-line winds, and flooding during the period of May 7 to June 15, 2015.

Representatives from the Arkansas Department of Emergency Management, the Federal Emergency Management Agency, the U.S. Small Business Administration and other agencies will be at the centers to explain disaster assistance programs and help survivors apply for aid.

The center is located at the Arkansas Valley Electric Cooperative Building, 615 E. Pointer Trail in Van Buren, AR 72956.

Hours are from 9 a.m. to 7 p.m. Monday through Saturday, and on Sunday from 1 to 5 p.m. until further notice.

Those seeking disaster assistance should register with FEMA before going to a disaster recovery center. Individuals and families who suffered losses as a result of the late spring storms may register online at www.disasterassistance.gov or those without access to the internet, can call FEMA’s toll-free registration number at 1-800-621-3362 (FEMA) or (TTY) 1-800-462-7585 for persons who are deaf or hard of hearing. The toll-free telephone numbers will operate from 6 a.m. to 9 p.m. (local time) seven days a week until further notice. Multilingual operators are available.

Each disaster recovery center has assistive technologies for people with disabilities. ASL interpreters are available at the DRCs by calling 870-451-9241.

Anyone who sustained damage in Crawford, Garland, Howard, Jefferson, Little River, Miller, Perry, Sebastian, or Sevier counties, which were designated for federal disaster assistance, can visit any disaster recovery center.

Federal disaster assistance for individuals and families can include money for rental assistance, essential home repairs, personal property loss and other serious disaster-related needs not covered by insurance.

Low-interest disaster loans from the Small Business Administration (SBA) are available to help with residential and business losses not covered by insurance. The SBA is the federal government’s primary source of money for the rebuilding of disaster-damaged private property. SBA helps businesses of all sizes, private non-profit organizations, homeowners and renters fund repairs or rebuilding efforts and cover the cost of replacing lost or disaster-damaged personal property. Applying for these loans is also a way to qualify for other avenues of assistance.

For more information on SBA programs, applicants may contact SBA’s Disaster Assistance Customer Service Center by calling (800) 659-2955, emailing disastercustomerservice@sba.gov, or visiting SBA’s website at www.sba.gov/disaster. Deaf and hard-of-hearing individuals may call (800) 877-8339.

To locate the disaster recovery center nearest you, go to http://asd.fema.gov/inter/locator/home.htm. On a web-enabled mobile device, go to http://asd.fema.gov/inter/locator/mobile.htm.

FEMA’s mission is to support our citizens and first responders to ensure that as a nation we work together to build, sustain, and improve our capability to prepare for, protect against, respond to, recover from, and mitigate all hazards.

View post: 

Disaster Recovery Center Open in Crawford County

FEMA Experts Offer Ideas to Lessen Impact of Disaster Damage

NORTH LITTLE ROCK –Teams of specialists from the Federal Emergency Management Agency will offer tips and techniques to lessen the impact of disaster-related property damage at building supply stores in four Arkansas locations beginning Monday, July 13, 2015.

The teams will be at these Lowe’s stores:

  • Jefferson County: The Pines, 2906A E. Harding Ave., Pine Bluff
  • Crawford County: 2120 Fayetteville Road, Van Buren
  • Garland County: 300 Cornerstone Blvd., Hot Springs

Teams at the Lowe’s stores will be at each store from 7 a.m. to 6 p.m. on Monday and Tuesday; and from 7 a.m. to 6 p.m. Thursday, Friday, and Saturday.  The teams will not be at the store

In Howard County, FEMA specialists will be at the Bailey Discount Bldg. Supply, 880 E. Collin Raye Drive in DeQueen.  Teams will be at the store from 8 a.m.to 5 p.m., Monday through Thursday and on Fridays and Saturday from 8 a.m. to noon.

The teams will be at all four locations through Friday, July 24, 2015.

FEMA specialists offer “how-to” information on both retrofitting buildings to make them more resistant to wind damage and ways to elevate utilities against  flood damage. They also provide tips to clean and help prevent mold and mildew.

Many of the tips and techniques are specifically geared for the do-it-yourselfer and for building contractors. If you have a disability and need an accommodation to access materials such as Braille, large print or ASL interpeters, please let our representatives know.

FEMA offers a number of free online resources for home and property owners. To get started, go to

www.fema.gov/safer-stronger-protected-homes-communities.

FEMA’s mission is to support our citizens and first responders to ensure that as a nation we work together to build, sustain, and improve our capability to prepare for, protect against, respond to, recover from, and mitigate all hazard

Excerpt from: 

FEMA Experts Offer Ideas to Lessen Impact of Disaster Damage

Registering with State, Volunteer Agencies Not the Same as FEMA

NORTH LITTLE ROCK – Many Arkansas residents who suffered damage during the severe storms in late spring may have registered for assistance with state or volunteer agencies. This is not the same as registering with FEMA for disaster aid.

While FEMA, the Arkansas Department of Emergency Management and volunteer agencies often work together, their missions, programs and funding are not the same. Residents should register with FEMA for access to federal disaster assistance.

FEMA is funded by congress and administers disaster programs determined by federal officials and requested by the state.  Disaster declarations by the State of Arkansas provide some assistance based on state criteria, but that aid is “turned off” when a federal declaration is made to avoid duplicating benefits.

Volunteer agencies that provide individuals and families with immediate necessities and emergency services raise their funds publicly and determine their own programs.

The disaster declaration on June 26, 2015 put in place several sources of federal funding. It is available to residents in nine Arkansas counties affected by the severe storms, tornadoes, straight-line winds, and flooding during the period of May 7 to June 15, 2015. The counties are Crawford, Garland, Howard, Jefferson, Little River, Miller, Perry, Sebastian, and Sevier.

Individuals and business owners who sustained losses in those counties can apply for federal assistance by registering online at www.DisasterAssistance.gov or by calling 1-800-621- 3362 (FEMA) or by web-enabled mobile device at m.fema.gov.  Disaster assistance applicants, who have a speech disability or hearing loss and use TTY, should call 1-800-462-7585 directly; for those who use 711 or Video Relay Service (VRS), call 1-800-621-3362. The toll-free telephone numbers will operate from 7 a.m. to 10 p.m. (local time) seven days a week until further notice. Mulitilingual operators are available.

FEMA’s mission is to support our citizens and first responders to ensure that as a nation we work together to build, sustain, and improve our capability to prepare for, protect against, respond to, recover from, and mitigate all hazards.

Excerpt from: 

Registering with State, Volunteer Agencies Not the Same as FEMA

FEMA 2014 Funding for Arkansas Tops $47 Million

DENTON, Texas — The Federal Emergency Management Agency (FEMA) provided more than $47 million in 2014 funding to the Arkansas Department of Emergency Management (ADEM) and community partners for disaster recovery, mitigation and preparedness.

“FEMA, in partnership with ADEM, continues to provide funding to assist communities recovering from and mitigating against future damage,” said FEMA Region 6 Administrator Tony Robinson. “We are committed to helping Arkansas residents strengthen their resilience.”

The $47 million includes more than $7 million from FEMA’s Individual Assistance program, $23 million in Public Assistance dollars for repair and replacement of infrastructure after a disaster, $6 million in Hazard Mitigation, and more than $11 million in Preparedness funding to mitigate damage from future disasters.

“We at Arkansas Department of Emergency Management and all Arkansans affected by disaster appreciate the partnership we have with FEMA,” said ADEM Director David Maxell. “This relationship allows governmental entities and individuals to better protect themselves before an emergency and then begin down the road to recovery if a disaster occurs.”

The 2014 federal funding covered numerous projects in Arkansas including:
•    More than $7 million to individuals for rental and lodging expenses, home repair, and replacement for those who suffered damage during the April severe storms, tornadoes, and flooding.
•    Over $3 million was used to either replace or repair bridges and low water crossings destroyed or substantially damaged during the declared events.
•    $2.2 million was provided for school safe rooms throughout the state increasing the capacity to protect students, faculty/staff and residents.

In addition to providing federal funding, FEMA’s Mitigation Division has taken steps to improve the on-line resources for communities. In 2014 the Risk Communications Guidebook was updated to include the most recent information on the National Flood Insurance Program reform.

FEMA’s mission is to support our citizens and first responders to ensure that as a nation we work together to build, sustain, and improve our capability to prepare for, protect against, respond to, recover from, and mitigate all hazards.  Follow us on Twitter at http://twitter.com/femaregion6 or on Facebook at www.facebook.com/FEMA.

Continue reading here: 

FEMA 2014 Funding for Arkansas Tops $47 Million

Arkansas, Louisiana, New Mexico, Oklahoma and Texas Receive More Than $1.6 Million in FEMA Preparedness Grants

DENTON, Texas — Emergency management agencies in five states – Arkansas, Louisiana, New Mexico, Oklahoma and Texas – have been awarded more than $1.6 million in preparedness grants from the Federal Emergency Management Agency (FEMA).

In Arkansas, the grants total $149,515 and cover:

• Stretchers, backboards and splints for the El Dorado Fire Department;
• Firefighting equipment for the Grubbs Volunteer Fire Department and the Oden-Pencil Bluff Volunteer Fire Department; and
• Generators, radios and other tools for the Maddox Bay Rural Fire Department in Holly Grove.

The grants in Louisiana total $509,022 and pay for firefighting equipment for the Forest Volunteer Fire Department in Oak Grove; the Elizabeth Volunteer Fire Department; the Des Allemands Volunteer Fire Department; the Bayou Boeuf Volunteer Fire Department in Thibodaux; the St. Landry Fire District #7 in Morrow and the Washington Parish Fire District #7.

In New Mexico, grants totaling $120,016 cover firefighting equipment for the Ohkay Owingeh Fire Department and the Newkirk Fire Department in Santa Rosa, and health screenings and physicals for the Santa Fe Fire Department.

The Oklahoma grants total $637,349 and pay for:

• A pumper/engine vehicle for the Madill Fire Department;
• A tanker vehicle for the Warner Volunteer Fire Department;
• Firefighting equipment for the city of Ada Fire Department;
• Communications equipment for the William Key Correctional Center Fire Department; and
• A training tower for the State Fire Training Academy at Oklahoma State University.

In Texas, the grants total $202,778 and pay for firefighting equipment for the Tennessee Colony Volunteer Fire Department, the Blossom Fire Department and the Balcones Heights Fire Department in San Antonio.

The federal grants are part of the Assistance to Firefighters Grants (AFG) program. The primary goal of the AFG is to meet the firefighting and emergency response needs of fire departments and non-affiliated emergency medical service organizations. Since 2001, AFG has helped firefighters and other first responders get critically needed equipment, protective gear, emergency vehicles, training and other resources needed to protect the public and emergency personnel from fire and related hazards.

For more information on the AFG program, visit http://www.fema.gov/assistance-firefighters-grant.

 

###

FEMA’s mission is to support our citizens and first responders to ensure that as a nation we work together to build, sustain, and improve our capability to prepare for, protect against, respond to, recover from, and mitigate all hazards.  Follow us on Twitter at http://twitter.com/femaregion6 and the FEMA Blog at http://blog.fema.gov.                                                                                   

Read the article: 

Arkansas, Louisiana, New Mexico, Oklahoma and Texas Receive More Than $1.6 Million in FEMA Preparedness Grants

FEMA Mitigation Experts Continue Outreach in Conway and Little Rock

LITTLE ROCK, Ark. – Rebuilding or repairing property damaged from the recent severe storms? Thinking about adding a safe room to your home? Have questions about flood insurance? Ask an expert from the Federal Emergency Management Agency (FEMA).

FEMA mitigation teams will be at home improvement stores in Conway and Little Rock to offer information and answer questions. The experts can provide advice on rebuilding after a disaster, offer tips to build hazard-resistant homes and provide information on building a safe room in your home.

It is estimated that every dollar spent on mitigation measures saves four dollars in the event of another disaster.

Homeowners and contractors can learn more at the following locations:

Ridout Lumber
1215 E. Oak St.
Conway, Ark.  72032
Monday, Thursday, Friday: 7 a.m. – 4 p.m. Saturday: 7 a.m. – noon

Lowe’s

1325 Highway 64 West

Conway, Ark. 72032

Sunday: 8 a.m. – 5 p.m.

Monday, Thursday, Friday, Saturday: 7 a.m. – 4 p.m.

 

Home Depot

11 Mabelvale Plaza Lane

Little Rock, Ark. 72209

Sun.: 8 a.m. – 5 p.m.

Monday, Thursday, Friday, Saturday: 7 a.m. – 4 p.m.

In addition, FEMA and the Arkansas Department of Emergency Management (ADEM) have created a “one stop” website for information to help Arkansans protect lives and property from tornadoes and floods:  www.fema.gov/ar-disaster-mitigation.

###

Disaster recovery assistance is available without regard to race, color, religion, nationality, sex, age, disability, English proficiency or economic status.  If you or someone you know has been discriminated against, call FEMA toll-free at 800-621-FEMA (3362). For TTY call 800-462-7585.

The Arkansas Department of Emergency Management (ADEM) is the state’s homeland security and preparedness agency. The agency works to identify and lessen the effects of emergencies, disasters and threats to Arkansas by developing effective prevention, preparedness, mitigation, response and recovery actions for all disasters and emergencies.  For additional information, contact ADEM at (501) 683-6700 or visit the website at www.adem.arkansas.gov.

FEMA’s mission is to support our citizens and first responders to ensure that as a nation we work together to build, sustain, and improve our capability to prepare for, protect against, respond to, recover from, and mitigate all hazards.  Follow us on Twitter at https://twitter.com/femaregion6 and the FEMA Blog at http://blog.fema.gov. For information on rebuilding and repairing safer and stronger, visit fema.gov/ar-disaster-mitigation.

The U.S. Small Business Administration (SBA) is the federal government’s primary source of money for the long-term rebuilding of disaster-damaged private property. SBA helps homeowners, renters, businesses of all sizes, and private non-profit organizations fund repairs or rebuilding efforts and cover the cost of replacing lost or disaster-damaged personal property. These disaster loans cover losses not fully compensated by insurance or other recoveries and do not duplicate benefits of other agencies or organizations. For information about SBA programs, applicants can go to www.sba.gov/disaster or call (800) 659-2955 (TTY 1-800-977-8339).

 

Excerpt from: 

FEMA Mitigation Experts Continue Outreach in Conway and Little Rock

Arkansas, Louisiana, Oklahoma and Texas Receive More Than $1.3 Million in FEMA Preparedness Grants

Arkansas, Louisiana, Oklahoma and Texas Receive More Than $1.3 Million in FEMA Preparedness Grants

DENTON, Texas — Emergency management agencies in four states – Arkansas, Louisiana, Oklahoma and Texas – have been awarded more than $1.3 million in preparedness grants from the Federal Emergency Management Agency (FEMA).

In Arkansas, the grants total $303,459 and cover 10 Power Lift Cots and Stretchers for the Washington County Regional Ambulance Authority Central Emergency Medical Services in Fayetteville; and firefighting gear for the Lone Rock Volunteer Fire Department in Norfork, the North Pulaski Fire Protection District 15 in Jacksonville, the Sherwood Fire Department and the city of Vilonia.

In Louisiana, the grants total $470,203 and cover firefighting gear for the Allen Parish Fire District 5 in Oberlin, the Lafourche Crossing 308 Volunteer Fire Department in Thibodaux and the Marksville Fire Department.

In Oklahoma, the grants total $166,588 and cover communications equipment for the Country Corner Fire District in Sperry; a wellness and fitness program for the Drumright Fire Department; and firefighting equipment for the Boise City Volunteer Fire Department.

In Texas, the grants total $390,449 and cover firefighting equipment for the Sudan Fire/Emergency Medical Services, the Lancaster Fire Department, the 3N1 Volunteer Fire Department in Rosanky and the Kountze Volunteer Fire Department, Inc.; power stretchers and a wellness and fitness program for the Jersey Village Fire Department; and training for the Amarillo Fire Department.

The federal grants are part of the Assistance to Firefighters Grants (AFG) program. The primary goal of the AFG is to meet the firefighting and emergency response needs of fire departments and non-affiliated emergency medical service organizations. Since 2001, AFG has helped firefighters and other first responders get critically needed equipment, protective gear, emergency vehicles, training and other resources needed to protect the public and emergency personnel from fire and related hazards.

For more information on the AFG program, visit http://www.fema.gov/assistance-firefighters-grant.

###

FEMA’s mission is to support our citizens and first responders to ensure that as a nation we work together to build, sustain, and improve our capability to prepare for, protect against, respond to, recover from, and mitigate all hazards.  Follow us on Twitter at http://twitter.com/femaregion6 and the FEMA Blog at http://blog.fema.gov.                                                                                    

Visit site:  

Arkansas, Louisiana, Oklahoma and Texas Receive More Than $1.3 Million in FEMA Preparedness Grants

 Page 3 of 6 « 1  2  3  4  5 » ...  Last »