MIRA
INFORM REPORT
|
Report Date : |
20.12.2007 |
IDENTIFICATION
DETAILS
|
Name : |
JESONS INDUSTRIES
LIMITED |
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Registered Office : |
302, Jyoti Estate, Behind Bosahard, 14 Anand Nagar, Near Railway
Station, Andheri (East), Mumbai – 400 069, Maharashtra |
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Country : |
India |
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Date of Incorporation : |
12.10.1999 |
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Com. Reg. No.: |
11-122193 |
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CIN No.: [Company
Identification No.] |
L24295MH1999PLC122193 |
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TAN No.: [Tax
Deduction & Collection Account No.] |
MUMJ06269E |
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PAN No.: [Permanent
Account No.] |
AAACJ7659P |
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Legal Form : |
A closely held
Public Limited Liability Company |
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Line of Business : |
Manufacturers of synthetic
adhesives and textile auxiliaries. |
RATING &
COMMENTS
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MIRA’s Rating : |
C |
|
RATING |
STATUS |
PROPOSED CREDIT LINE |
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|
<10 |
C |
Absolute credit risk exists. Caution needed to be exercised |
Credit not
recommended |
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Status : |
Moderate |
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Payment Behaviour : |
Slow |
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Litigation : |
Unknown |
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Comments : |
The company is poor in corporate Governance and has not prepared / filed
financials with Company Law Board since incorporation. In absence of financial details from any of the sources, it is
difficult to assess company’s strength. In view of the aforesaid it would be advisable to keep your
commitments and that too on secured trade terms and conditions. If more details are made available, a shall follow, soon. |
LOCATIONS
|
Registered Office : |
302, Jyoti Estate, Behind Bosahard, 14 Anand Nagar, Near Railway
Station, Andheri (East), Mumbai – 400 069, Maharashtra, India |
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Tel. No.: |
91-22-28391474/ 28221108/ 28221108 / 28306273 |
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Fax No.: |
91-22-28391530 |
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E-Mail : |
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Website : |
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Factory : |
Survey No. 377/1/7, Zari Causeway Road, Behind Store Quarry, Kachigam, Daman (Union Territory), India |
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Head Office : |
904,Peninsula Tower -1, Peninsula Corporate
Park, Ganpatrao Kadam Marg, Lower
Parel (W), Mumbai 400 013, Maharashtra, India |
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Tel. No.: |
91-22-66515253 / 56515253 |
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Fax No.: |
91-22-66515252 |
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E-Mail : |
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Website : |
DIRECTORS
|
Name : |
Mr. Dhiresh Shashikant Gosalia |
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Designation : |
Director |
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Address : |
131 Spenta Tower, 13th Floor, 55-57 Forjett
Street Gowalia Tank, Mumbai – 400 053, Maharashtra |
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Date of Birth/Age : |
06.01.1962 |
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Date of Appointment : |
12.10.1999 |
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Name : |
Mrs. Madhuri Dhiresh Gosalia |
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Designation : |
Director |
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Address : |
74/84, Manisha Tower, Swami Smarth Nagar, Lokhandwala
Complex, Andheri (West), Mumbai – 400 053, Maharashtra |
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Date of Birth/Age : |
27-06-1963 |
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Name : |
Mrs. Usha Shashikant Gosalia |
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Designation : |
Director |
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Address : |
74/84, Manisha Tower, Swami Smarth Nagar, Lokhandwala
Complex, Andheri (West), Mumbai – 400 053, Maharashtra |
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Date of Birth/Age : |
23-01-1937 |
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|
|
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Name : |
Mr. Navin N.
Vakil |
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Designation : |
Director |
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Name : |
Mrs. Madhavi Gosalia |
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Designation : |
Director |
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Address : |
131 Spenta Tower, 13th Floor, 55-57 Forjett
Street Gowalia Tank, Mumbai – 400 053, Maharashtra |
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Date of Birth/Age : |
27.06.1963 |
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Date of Appointment : |
1.210.1999 |
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|
|
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Name : |
Ms. Kirti P.
Mehta |
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Designation : |
Director |
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Address : |
A – 101 Bhagyoday Vile parle (West), Mumbai – 400 056, Maharashtra |
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Date of Birth/Age : |
15.02.1942 |
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Date of Appointment : |
01.09.2003 |
MAJOR SHAREHOLDERS
/ SHAREHOLDING PATTERN
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Names of Shareholders |
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No. of Shares |
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Mr. Dhiresh Gosalia |
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415100 |
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Mrs. Madhavi D Gosalia |
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118100 |
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Mrs. Usha Gosalia |
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25100 |
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Mr. Hemal M Kampani |
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100 |
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Mr. Kiran V Daftary |
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100 |
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Mr. Rajesh D mody |
|
100 |
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Mr. Madhusudan Mehta |
|
100 |
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Mr. Ravlana Gosalia |
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25000 |
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Mr. Jhelum Gosalia |
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25000 |
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Jesons Corporation |
|
170000 |
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Total
|
778700 |
Equity Shares Breakup (Percentage of Total Equity):
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Sr No. |
Category |
Percentage |
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1 |
Directors or relative of directors |
78.17 |
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2 |
Other top fifty (50) shareholders |
21.83 |
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Total |
100.00 |
BUSINESS DETAILS
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Line of Business : |
Manufacturers of synthetic
adhesives and textile auxiliaries. |
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Products : |
· Textile Blinders · Rubber Based Adhesive · Wood Glue · PSA · Lamination Adhesive · Pigment Based · PU For Footwear · PVA Emulsion |
GENERAL
INFORMATION
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Suppliers : |
· Ankur Electrical · Kalina Engineering Private Limited · Neelkamal Steel Centre · Sanjay Steel · Rajesh Transport Service |
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No. of Employees : |
20 |
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Bankers : |
> City Union
Bank Limited > Bank of India, 551 Branch, Andheri (East), Mumbai – 400 069, Maharashtra > Central Bank, Mumbai Main Office, Documentation cell, M G Road, Fort, Mumbai – 400 001, Maharashtra |
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Banking Relations : |
-- |
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Auditors : |
R. Trivedi &
Associates Chartered
Accountants, G Block, Ranjit Studios,
Ground Floor, 119, Dadasaheb Phalke Road, Dadar, Mumbai – 400014,
Maharashtra, India |
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Tel. No.: |
91-22-24140957 |
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Associates/Subsidiaries : |
Jeasons Corporation |
CAPITAL STRUCTURE
Authorised Capital : (as on 30.09.2006):-
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No. of Shares |
Type |
Value |
Amount |
|
1200000 |
Equity shares |
Rs. 100/- each |
Rs.120.000 millions |
Issued, Subscribed & Paid-up Capital :
|
No. of Shares |
Type |
Value |
Amount |
|
778700 |
Equity shares |
Rs. 100/-
each |
Rs.77.870
millions |
FINANCIAL DATA
[all figures are in Rupees Millions]
FINANCIAL:
No financials of the company could be available since incorporation.
Management remained non - co-operative during current investigation.
LOCAL AGENCY
FURTHER INFORMATION
FIXED ASSETS
· Freehold Land
· Plant and Machinery
FORM 8:-
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Name of the company |
JESONS INDUSTRIES LIMITED |
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Presented
By |
Central Bank of India, Mumbai Main Office, Mumbai –
400001, Maharashtra, India |
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1) Date and description of instrument creating the change |
Dated 21.01.2002 a. Letter of Hypothecation b. Agreement of Hypothecation to secure demand cash credit against goods c. Agreement of charge and hypothecation of book debts d. Agreement of hypothecation of goods to secure letter of credit e. Agreement signed by parties whose bills are discounted TOGETHER CONSTITUTING ONE SINGLE CHARGE |
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2) Amount secured by the charge/amount owing on the securities of charge |
Rs. 57.500 millions |
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3) Short particular of the property charged. If the property acquired is subject to charge, date of the acquired of the property should be given |
Hypothecation of goods including all moveable machinery and spare parts of the borrowers which now or hereafter from time to time during the continuance of the security shall be brought in or stored or be in or about at the premises warehouses or godowns of the borrowers at Mumbai & Daman or anywhere else including in transit or delivery or in or at any other premises in the occupation of the borrowers. Hypothecated as first charge in favour of the Bank all tangible moveable property such as products stock in trade and goods whether finished or raw or in process of manufacture and all articles manufactured there from of the borrowers which now or hereafter from time to time during the security shall be brought in, stored or be in or about the premises, warehouses or any where else or godowns of the borrower in Mumbai & Daman or any where else including any such goods in course of transit or delivery or in or at any other premises in the occupation of the borrowers. Hypothecation and charge to the bank by way of first charge all the borrowers present and future book debts, outstanding, moneys, receivables, claims, bills, contracts, securities, investments, rights and assets [except property effectively otherwise hypothecated or charged to the Bank] Pledges all stocks, shares, marketable securities and other goods which now are or any time hereafter the lodged with or be held by the Bank on account of the company [and not being stocks, shares, marketable securities or other goods which the bank as Bankers for the company are liable to deliver to a third party] whether they are lodged or held for safe custody, collection, security or other specific purpose or for any reason and in any circumstances whatsoever |
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4) Gist of the terms and conditions and extent and operation of the charge. |
B] INTEREST / COMMISSION : For limits a], b], c] & d] above 16% p.a. or at such other rates of interest as may be fixed by the Bank from time to time For e] above as per FEDAI rules For inland guarantee Rs. 100/- + 2% or 3% as the case may be as per rules of bank C] REPAYMENT Repayable on Demand D] MARGIN Cash Credit [Stocks] 25% on raw materials & finished goods 30% on stock in process & finished goods 35% on packing material Overdraft [Book debts] 40% on book debts not older than 90 days Overdraft [Receipted Challans 90 days] 20% Bills Discounting [D/A 90 days] 10% Inland/Import D/A L/Cmax tenure 180 days – 10% upto 90 days L/C 15% beyond 90 days Inland Guarantee – 10% |
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5) Name and Address and description of the person entitled to the charge. |
Central Bank of India, Mumbai Main Office Central Bank Building, Documentation Cell, M. G. Road, Fort, Mumbai – 400001 |
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6) Date and brief description of instrument modifying the charge |
29.10.2004 No instrument extension of equitable mortgage by deposit of title deeds on company’s property at Lower Parel, Mumbai and at Village Kachigam, Tal & Dist Daman to secure the revised facilities aggregating Rs. 179 millions. Copy of memorandum of entry attached |
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7) Particulars of modifications specifying the terms and conditions or the extent of operations of the charge in which modification is made and the details of the modification. |
First Modification
[Doc No. 19 Regd. on 15.04.2002] By the 1st modification dated 22.03.2002 equitable mortgage by deposit of title deeds of the company’s immovable property namely all that piece or parcel of non agricultural land or ground situated at village kachigam, taluka of Daman and district of daman, nani daman – 396210 bearing survey nos. 377 /1 [7-A], 377/1 [7-B] admeasuring 14.63.75 acres i.e. 1463.75 sq. mtrs. Or thereabouts bounded as follows on or towards the east by the property bearing survey no. 337/1 [a], on or towards the west by road, on or towards the north by the property bearing survey no. 377/1[6] on or towards the south by open space, is created in favour of the bank as an additional security to secure the aforesaid facilities aggregating to Rs. 57.500 millions Second Modification
[Doc No. 30 Regd. On 01.10.2003] By this modification dated 11.09.2003 the facilities are
revised/additional limits granted raising the aggregate limit and the charge on
goods, book debts, plant & machineries & other assets of the company
to Rs. 111.300 millions as follows :
The term loan is granted for purchase of office building, furniture & fixture and secured, inter alia, by hypothecation of all movable property including machinery equipment plant and spare parts, book debts and other assets. Third Modification
[Doc No. 29 Regd. on 01.10.2003] By the present modification dated 13.09.2003, equitable mortgage of company’s immovable property situated at Peninsula Tower I, Lower Parel, 9th Floor, Unit No. 904, admeasuring saleable area of 6570 sq. ft. i.e. 610.37 sq. mtrs. Being carpet area of 4796 sq. ft. i.e.445.56 sq. mtrs. Is created as additional security to secure revised/additional limits aggregating Rs. 111.300 millions and the charge of equitable mortgage by deposit of title deeds of the company’s abovementioned non agricultural land situated at village kachigam, taluka of daman and district of daman, nani daman – 396210 created on 22.03.2002 for Rs. 57.500 millions is extended to secure the aforesaid revised/additional facilities aggregating Rs. 111.300 millions with interest, compound interest, liquidated damages, commitment charges, permia on prepayment or on redemption, cost, charges, expenses, commission, etc. Present
modification By the present modification dated 29.10.2004 the charge of equitable mortgage on the company’s property situated at village kachigam, taluka of daman and district of daman, nani daman – 396210 bearing survey nos. 377/1 [7-a] 377/1 [7-b] and situated at peninsula tower I, lower parel, 9th floor, unit no. 904, has been extended to cover the revised facilities aggregating to Rs. 179.000 millions with interest, compound interest, liquidated damages, commitment charges, premia on prepayment or on redemption, cost, charges, expenses, commission, etc. |
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Name of the
company |
JESONS INDUSTRIES LIMITED |
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Presented
By |
Central Bank of India, Mumbai Main Office, Mumbai –
400001, Maharashtra, India |
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1) Date and
description of instrument creating the change |
Dated 21.01.2002 a. Letter of Hypothecation b. Agreement of Hypothecation to secure demand cash credit against goods c. Agreement of charge and hypothecation of book debts d. Agreement of hypothecation of goods to secure letter of credit e. Agreement signed by parties whose bills are discounted TOGETHER CONSTITUTING ONE SINGLE CHARGE |
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2) Amount secured
by the charge/amount owing on the securities of charge |
Rs. 57.500 millions |
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3) Short
particular of the property charged. If the property acquired is subject to
charge, date of the acquired of the property should be given |
Hypothecation of goods including all moveable machinery and spare parts of the borrowers which now or hereafter from time to time during the continuance of the security shall be brought in or stored or be in or about at the premises warehouses or godowns of the borrowers at Mumbai & Daman or anywhere else including in transit or delivery or in or at any other premises in the occupation of the borrowers. Hypothecated as first charge in favour of the Bank all tangible moveable property such as products stock in trade and goods whether finished or raw or in process of manufacture and all articles manufactured there from of the borrowers which now or hereafter from time to time during the security shall be brought in, stored or be in or about the premises, warehouses or any where else or godowns of the borrower in Mumbai & Daman or any where else including any such goods in course of transit or delivery or in or at any other premises in the occupation of the borrowers. Hypothecation and charge to the bank by way of first charge all the borrowers present and future book debts, outstanding, moneys, receivables, claims, bills, contracts, securities, investments, rights and assets [except property effectively otherwise hypothecated or charged to the Bank] Pledges all stocks, shares, marketable securities and other goods which now are or any time hereafter the lodged with or be held by the Bank on account of the company [and not being stocks, shares, marketable securities or other goods which the bank as Bankers for the company are liable to deliver to a third party] whether they are lodged or held for safe custody, collection, security or other specific purpose or for any reason and in any circumstances whatsoever |
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4) Gist of the
terms and conditions and extent and operation of the charge. |
B] INTEREST / COMMISSION : For limits a], b], c] & d] above 16% p.a. or at such other rates of interest as may be fixed by the Bank from time to time For e] above as per FEDAI rules For inland guarantee Rs. 100/- + 2% or 3% as the case may be as per rules of bank C] REPAYMENT Repayable on Demand D] MARGIN Cash Credit [Stocks] 25% on raw materials & finished goods 30% on stock in process & finished goods 35% on packing material Overdraft [Book debts] 40% on book debts not older than 90 days Overdraft [Receipted Challans 90 days] 20% Bills Discounting [D/A 90 days] 10% Inland/Import D/A L/Cmax tenure 180 days – 10% upto 90 days L/C 15% beyond 90 days Inland Guarantee – 10% |
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5) Name and
Address and description of the person entitled to the charge. |
Central Bank of India, Mumbai Main Office Central Bank Building, Documentation Cell, M. G. Road, Fort, Mumbai – 400001 |
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6) Date and brief description of instrument
modifying the charge |
By the modification dated 11/06/2005 the facilities are revised / Additional limits granted raising the aggregate limits and the change on goods, book debts, plant and machineries and other assets of the company from Rs. 179.000 millions to Rs. 325.000 millions as follows:
The bank shall be at liberty to change the margins from time to time Interest / Commission Or as fixed by the bank from time to time. |
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7) Particulars of
modifications specifying the terms and conditions or the extent of operations
of the charge in which modification is made and the details of the
modification. |
Present
modification By the present modification dated 29.10.2004 the charge of equitable mortgage on the company’s property situated at village kachigam, taluka of daman and district of daman, nani daman – 396210 bearing survey nos. 377/1 [7-a] 377/1 [7-b] and situated at peninsula tower I, lower parel, 9th floor, unit no. 904, has been extended to cover the revised facilities aggregating to Rs. 325.000 millions ( Enhanced from Rs. 179.000 millions to Rs. 325.000 millions) with interest, compound interest, liquidated damages, commitment charges, premia on prepayment or on redemption, cost, charges, expenses, commission, etc. Further additional security by way of equitable mortgage
by deposit of title deeds of five reserved car parking spaces bearing Jo.
199, 200, 201, 202, 203 and five car parking spaces bearing No. 139, 141,
142, 143, and 198 in the basement of Penisula Tower Lower Parel , Mumbai has
been extended / created to secure the various facilities aggregating Rs.
325.000 millions to the company. |
|
Corporation identity number or foreign company registrations number of
the company |
L24295MH1999PLC122193 |
|
Name of the company |
JESONS INDUSTRIES LIMITED |
|
Address |
302, Jyoti Estate, Behind Bomsahard,14 Anand Nagar, Near
Railway Station, Andheri (East), Mumbai – 400 069, Maharashtra, India |
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This Form is for |
Modification of charge |
|
Type of Charges |
Hypothecation |
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Particular of the charge holder
|
Central Bank of India Address: Mumbai Main Office, Documentation
Cell, 2nd Floor, M G road, , Fort , Mumbai – 400 001, Maharashtra,
India Email ID: ed@centralbankofindia.co.in |
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Amount Secure by the charge |
Rs. 57.500 millions |
|
Brief of the principal terms and conditions and extent and operation
of the charge |
a) C /C Stocks Rs. 13.000 millions b) O/D, (B/D) Rs. 9.000 millions c) O/D (Receipted Challans 90 Days) Rs. 4.000 millions d) B/ Discounting (D/A 90 Days) Rs. 4.000 millions with
Interchangeability in c) and d) to combined limit of Rs. 8.000 millions , e)
in Imp DA/ L/C max tenure 180 days
Rs. 27.500 millions (inclusive of inland guarantee sub –limit Rs. 2.000
millions ) total Rs. 57.500 millions Other terms / conditions as per
attachment ‘A’ . |
|
Particulars of the Property charged
|
Stock of raw materials, such as consumable stores and spares, etc and
stock in process and finished goods etc. both present and future 2) all
present and future book debts , outstanding monies, receivables , claims,
bills, rights to or immovable properties and movable assets c) all the
tangible movable properties and assets of the borrower of whatsoever nature
including plant , machineries, tool and accessories, stores, spares relating
to the plant and machineries, etc. |
|
Brief description of the instrument modifying the charge under section
135 |
Supplemental agreement of hypothecation (goods, Plant and machineries,
book debts and other movable assets) and letter of hypothecation 2) article.
Forming single modification to the charge. |
|
Particulars of the present modification |
7th modification the charge is increased to Rs. 333.000
millions by granting revision / additional / limit/s |
CMT REPORT
(Corruption, Money Laundering & Terrorism]
The Public Notice information has been collected from various sources
including but not limited to: The Courts, India Prisons Service,
Interpol, etc.
1] INFORMATION ON
DESIGNATED PARTY
No records exist designating subject or any of its beneficial owners,
controlling shareholders or senior officers as terrorist or terrorist
organization or whom notice had been received that all financial transactions
involving their assets have been blocked or convicted, found guilty or against
whom a judgement or order had been entered in a proceedings for violating
money-laundering, anti-corruption or bribery or international economic or
anti-terrorism sanction laws or whose assets were seized, blocked, frozen or
ordered forfeited for violation of money laundering or international
anti-terrorism laws.
2] Court Declaration :
No records exist to suggest that subject is or
was the subject of any formal or informal allegations, prosecutions or other
official proceeding for making any prohibited payments or other improper
payments to government officials for engaging in prohibited transactions or
with designated parties.
3] Asset Declaration :
No records exist to suggest that the property or assets of the subject
are derived from criminal conduct or a prohibited transaction.
4] Record on Financial
Crime :
Charges or conviction
registered against subject: None
5] Records on Violation of
Anti-Corruption Laws :
Charges or
investigation registered against subject: None
6] Records on Int’l
Anti-Money Laundering Laws/Standards :
Charges or
investigation registered against subject: None
7] Criminal Records
No available
information exist that suggest that subject or any of its principals have been
formally charged or convicted by a competent governmental authority for any
financial crime or under any formal investigation by a competent government
authority for any violation of anti-corruption laws or international anti-money
laundering laws or standard.
8] Affiliation with
Government :
No record
exists to suggest that any director or indirect owners, controlling
shareholders, director, officer or employee of the company is a government
official or a family member or close business associate of a Government
official.
9] Compensation Package :
Our market
survey revealed that the amount of compensation sought by the subject is fair
and reasonable and comparable to compensation paid to others for similar
services.
10] Press Report :
No press reports / filings exists on
the subject.
CORPORATE
GOVERNANCE
MIRA INFORM as part of its Due Diligence do provide comments on Corporate
Governance to identify management and governance. These factors often have been
predictive and in some cases have created vulnerabilities to credit
deterioration.
Our Governance Assessment focuses principally on the interactions
between a company’s management, its Board of Directors, Shareholders and other
financial stakeholders.
CONTRAVENTION
Subject is not known to have contravened any existing local laws,
regulations or policies that prohibit, restrict or otherwise affect the terms
and conditions that could be included in the agreement with the subject.
FOREIGN EXCHANGE
RATES
|
Currency |
Unit
|
Indian Rupees |
|
US Dollar |
1 |
Rs.39.49 |
|
UK Pound |
1 |
Rs.78.33 |
|
Euro |
1 |
Rs.56.78 |
SCORE & RATING
EXPLANATIONS
|
SCORE FACTORS |
RANGE |
POINTS |
|
HISTORY |
1~10 |
5 |
|
PAID-UP CAPITAL |
1~10 |
2 |
|
OPERATING SCALE |
1~10 |
--- |
|
FINANCIAL CONDITION |
|
|
|
--BUSINESS SCALE |
1~10 |
--- |
|
--PROFITABILIRY |
1~10 |
--- |
|
--LIQUIDITY |
1~10 |
--- |
|
--LEVERAGE |
1~10 |
-- |
|
--RESERVES |
1~10 |
--- |
|
--CREDIT LINES |
1~10 |
--- |
|
--MARGINS |
-5~5 |
-- |
|
DEMERIT POINTS |
|
|
|
--BANK CHARGES |
YES/NO |
NO |
|
--LITIGATION |
YES/NO |
NO |
|
--OTHER ADVERSE INFORMATION |
YES/NO |
NO |
|
MERIT POINTS |
|
|
|
--SOLE DISTRIBUTORSHIP |
YES/NO |
NO |
|
--EXPORT ACTIVITIES |
YES/NO |
NO |
|
--AFFILIATION |
YES/NO |
NO |
|
--LISTED |
YES/NO |
NO |
|
--OTHER MERIT FACTORS |
YES/NO |
NO |
|
TOTAL |
|
7 |
This score serves as a reference to assess SC’s credit risk
and to set the amount of credit to be extended. It is calculated from a
composite of weighted scores obtained from each of the major sections of this
report. The assessed factors and their relative weights (as indicated through
%) are as follows:
Financial
condition (40%) Ownership
background (20%) Payment
record (10%)
Credit history
(10%) Market trend
(10%) Operational
size (10%)
RATING
EXPLANATIONS
|
RATING |
STATUS |
PROPOSED CREDIT LINE |
|
|
>86 |
Aaa |
Possesses an extremely sound financial base with the strongest
capability for timely payment of interest and principal sums |
Unlimited |
|
71-85 |
Aa |
Possesses adequate working capital. No caution needed for credit transaction.
It has above average (strong) capability for payment of interest and
principal sums |
Large |
|
56-70 |
A |
Financial & operational base are regarded healthy. General
unfavourable factors will not cause fatal effect. Satisfactory capability for
payment of interest and principal sums |
Fairly Large |
|
41-55 |
Ba |
Overall operation is considered normal. Capable to meet normal
commitments. |
Satisfactory |
|
26-40 |
B |
Unfavourable & favourable factors carry similar weight in credit consideration.
Capability to overcome financial difficulties seems comparatively below
average/normal. |
Small |
|
11-25 |
Ca |
Adverse factors are apparent. Repayment of interest and principal sums
in default or expected to be in default upon maturity |
Limited with
full security |
|
<10 |
C |
Absolute credit risk exists. Caution needed to be exercised |
Credit not
recommended |
|
NR |
In view of the lack of information, we have no basis upon which to
recommend credit dealings |
No Rating |
|