--- title: Abrigo Loan Origination Reviews meta\_title: 'Abrigo Loan Origination Reviews 2026: Details, Pricing, & Features | G2' meta\_description: Filter 84 reviews by the users' company size, role or industry to find out how Abrigo Loan Origination works for a business like yours. aggregate\_rating: rating\_value: 4.6 review\_count: 84 scale: '5' date\_modified: '2026-08-07' parent\_category: name: Loan url: https://www.g2.com/categories/loan --- # Abrigo Loan Origination Reviews & Product Details Visit Website Abrigo Loan Origination software is a comprehensive solution designed to assist community banks and credit unions in reducing loan origination costs and enhancing lending efficiencies. This software addresses the challenges faced by smaller financial institutions in competing with the rapid digital lending experiences offered by larger banks. By equipping these institutions with the tools to swiftly assess and respond to creditworthy borrowers, Abrigo enables them to deliver superior customer service while simultaneously increasing their value within the community. Built specifically for banks and credit unions, Abrigo Loan Origination software caters to financial institutions aiming to expand their loan portfolios. Borrowers today expect quick turnaround times on their loan applications, and loan officers require solutions that can withstand rigorous loan-review processes. Abrigo’s software not only facilitates faster loan processing but also empowers financial institutions to enhance their revenue streams and operational efficiency. This dual focus on speed and reliability positions Abrigo as a vital resource for institutions looking to thrive in a competitive lending landscape. One of the standout features of Abrigo Loan Origination software is its ability to support multiple loan types within a single system. This versatility allows financial institutions to streamline their operations and improve the overall borrower experience. By integrating various loan products, Abrigo enhances internal processes and aligns them with the strategic goals of the institution. The software fosters collaboration among teams, ultimately leading to a more cohesive approach to loan origination and management. The advantages of using Abrigo extend beyond mere efficiency. The software automates critical processes that are essential for financial institutions, effectively replacing data silos that can hinder performance. By consolidating data and improving reporting capabilities, Abrigo paves the way for actionable insights and scalability. This not only helps institutions manage their current operations more effectively but also positions them for future growth and digital revenue expansion. In summary, Abrigo Loan Origination software is a powerful tool for community banks and credit unions seeking to enhance their lending capabilities. By focusing on automation, data integration, and borrower experience, Abrigo empowers financial institutions to navigate the complexities of the lending landscape while maintaining a competitive edge. * * * Product Website Abrigo Loan Origination Seller [Abrigo](https://www.g2.com/sellers/abrigo) Discussions [Abrigo Loan Origination Community](https://www.g2.com/products/abrigo-loan-origination/discuss) Languages Supported English Solution Type Best-of-Breed Overview by Heather Smith Show More ## Value at a Glance Averages based on real user reviews. ### Time to Implement 5 months [ View More Pricing Information ](https://www.g2.com/products/abrigo-loan-origination/pricing) ## Abrigo Loan Origination Integrations (12) What do users say about integrations? Verified by Abrigo Loan Origination [ ![Product Avatar Image](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Product Avatar Image") Charm ](https://www.g2.com/products/charm-charm/reviews)[ ![Product Avatar Image](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Product Avatar Image") Docusign ](https://www.g2.com/products/docusign/reviews)[ ![Product Avatar Image](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Product Avatar Image") Equifax Ignite® for Financial Services ](https://www.g2.com/products/equifax-ignite-for-financial-services/reviews)[ ![Product Avatar Image](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Product Avatar Image") Finastra LaserPro ](https://www.g2.com/products/finastra-laserpro/reviews)[ ![Product Avatar Image](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Product Avatar Image") Finastra Universal Banking ](https://www.g2.com/products/finastra-universal-banking/reviews)[ ![Product Avatar Image](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Product Avatar Image") FIS ](https://www.g2.com/products/fis/reviews)[ ![Product Avatar Image](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Product Avatar Image") Geocodio ](https://www.g2.com/products/geocodio/reviews)[ ![Product Avatar Image](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Product Avatar Image") Plaid ](https://www.g2.com/products/plaid/reviews)[ ![Product Avatar Image](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Product Avatar Image") PortX ](https://www.g2.com/products/portx/reviews)[ ![Product Avatar Image](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Product Avatar Image") Small Business Scoring Service ](https://www.g2.com/products/small-business-scoring-service/reviews)[ ![Product Avatar Image](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Product Avatar Image") Symitar EASE ](https://www.g2.com/products/symitar-ease/reviews)[ ![Product Avatar Image](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Product Avatar Image") UCC Hub ](https://www.g2.com/products/ucc-hub/reviews) Show More MM Mark M. Commercial Credit Analyst Mid-Market (51-1000 emp.) 7/7/2022 "Best in Class Products, Best in Class Service" 5/5 What do you like best about Abrigo Loan Origination? The products work together like a charm. Moreover, the customer service is the best I have encountered, no hyperbole. Review collected by and hosted on G2.com. What do you dislike about Abrigo Loan Origination? The Document Library is missing an excellent opportunity to be a cloud-based cold storage solution. Review collected by and hosted on G2.com. What problems is Abrigo Loan Origination solving and how is that benefiting you? Insights into exceptions, process timelines, identifying bottlenecks in origination, and increasing productivity. Review collected by and hosted on G2.com. Show More Response from Libby Sharman of Abrigo Loan Origination [Editedit](https://www.g2.com/survey_responses/abrigo-loan-origination-review-6826668/official_response/edit) Mark, thank you very much for taking the time to leave us a review! We appreciate your candid feedback. If you'd be willing to talk with our product team more about the opportunities with Doc Library, I'd love to connect you and see how we can incorporate those ideas. You can reach me directly at libby.sharman[@]abrigo.com. But thank you again, and we are excited to serve you! 1/9/2023 Validated ReviewerIncentivizedSource: G2 invite on behalf of seller ![Verified User in Banking](/assets/icons/anonymous-avatar-purple-4ae1032bdb50ee5682003170c8184aee790d25958bd397abbd384ba52c596a7b.svg "Verified User in Banking") AB Verified User in Banking Mid-Market (51-1000 emp.) 2/4/2022 "PPP Loans" 4/5 What do you like best about Abrigo Loan Origination? We loved the Lending feature for our PPP loans. We hadn't really had a need for it before that. Our customers and officers were able to navigate both the origination and forgiveness side for their loans with ease. Very user-friendly. Review collected by and hosted on G2.com. What do you dislike about Abrigo Loan Origination? There were some limitations that we had to work around with the PPP applications. Some of it had to do with how quickly updates were being pushed out - and some of the issues came about when Sageworks changed things and then didn't give us the option to continue to proceed as we had before the update. Review collected by and hosted on G2.com. Recommendations to others considering Abrigo Loan Origination: We've been long time users of Sageworks and their different products. They are a great company to work with. Review collected by and hosted on G2.com. What problems is Abrigo Loan Origination solving and how is that benefiting you? We only used the "Lending" application portion for PPP loans, and it was a lifesaver. There would have been no way for us to complete 1500+ apps for the second draw had it not been for Sageworks nor the forgiveness of them without it. There were only 2 of us bank-wide that had access to actually submit new applications, and the platform allowed us to keep track of all our in-process apps. Review collected by and hosted on G2.com. Show More Response from Jackie Myers of Abrigo Loan Origination [Editedit](https://www.g2.com/survey_responses/abrigo-loan-origination-review-5320158/official_response/edit) Thank you for your review. We are glad to hear that you have a positive experience with the lending feature for your PPP loans. We have taken your update recommendations to our Product team. We always enjoy getting feedback directly from those that use our product. If you have any additional feedback to provide, please email me directly at jackie.myers@abrigo.com. Thanks again for your feedback. Validated ReviewerIncentivizedSource: G2 invite on behalf of seller AK Ashton K. Credit Analyst Small-Business (50 or fewer emp.) 11/9/2021 "Consistency, Efficiency, Accountability" 5/5 What do you like best about Abrigo Loan Origination? The most beneficial aspect of Sageworks lending is its ability to reduce redundancy and produce accurate, reliable cash flows. The software is very versatile and able to accommodate any loan. Review collected by and hosted on G2.com. What do you dislike about Abrigo Loan Origination? There are a few tricks and workarounds that the user must be made aware. For example, when estimating a LOC, Sageworks will estimate the full amount of the line as p&i payments, instead of fully advanced, interest only. The way around that is simply entering the term as \>13 months or setting the type of loan to "revolving LOC." Review collected by and hosted on G2.com. What problems is Abrigo Loan Origination solving and how is that benefiting you? Efficiency. A $100 million bank with 12 employees was able to do $27 million in PPP loans because of the Sageworks Lending Software. Review collected by and hosted on G2.com. Show More Response from Jackie Myers of Abrigo Loan Origination [Editedit](https://www.g2.com/survey_responses/abrigo-loan-origination-review-5108270/official_response/edit) Thank you for your review, Ashton. We are glad to hear that you have a positive experience with the versatility of Sageworks Lending. We have taken your feedback to our Product team with your experience with tricks and workarounds. We always enjoy getting feedback directly from those that use our product. If you have any additional feedback to provide, please email me directly at jackie.myers@abrigo.com. Thanks again for your feedback. Current UserValidated ReviewerIncentivizedSource: G2 invite on behalf of seller ![Verified User in Banking](/assets/icons/anonymous-avatar-purple-4ae1032bdb50ee5682003170c8184aee790d25958bd397abbd384ba52c596a7b.svg "Verified User in Banking") AB Verified User in Banking Mid-Market (51-1000 emp.) 11/4/2021 "Very robust, superior support" 4/5 What do you like best about Abrigo Loan Origination? I like that all of the data entered is utilized across the entire platform. There is never a time where duplicate entry is required. This is our first lending platform, so I do not know how it compares to competitors. However, we did look at Finastra's solution, and I liked this one more. Review collected by and hosted on G2.com. What do you dislike about Abrigo Loan Origination? That we did not implement all modules in the beginning, we are implementing modules one at a time, which is time-consuming and you do not gain all the benefits of having the entire platform at once. Review collected by and hosted on G2.com. Recommendations to others considering Abrigo Loan Origination: Implement everything at once instead of piecing it together. Make sure you have enough resources to implement the entire solution. Review collected by and hosted on G2.com. What problems is Abrigo Loan Origination solving and how is that benefiting you? Having a centralized standard of commercial underwriting, client communications and requests. We also moved stress testing in-house to leverage the information entered into the software. Review collected by and hosted on G2.com. Show More Response from Jackie Myers of Abrigo Loan Origination [Editedit](https://www.g2.com/survey_responses/abrigo-loan-origination-review-5098449/official_response/edit) Thank you for your review. We appreciate you taking time to provide us with honest feedback about how data entered is utilized across the entire platform. We have taken your recommendation about implementation of modules to the appropriate team. We always enjoy getting feedback directly from those that use our product. If you have any additional feedback to provide, please email me directly at jackie.myers@abrigo.com. Thanks again for your feedback. Current UserValidated ReviewerIncentivizedSource: G2 invite on behalf of seller JM Janie M. Director of Credit Risk Management Mid-Market (51-1000 emp.) 2/4/2022 "They have structured the program the way a lender would." 5/5 What do you like best about Abrigo Loan Origination? The Group logic (much better than most core systems); the ability to make changes to the program without waiting on the vendor; the frequent improvements Review collected by and hosted on G2.com. What do you dislike about Abrigo Loan Origination? I would prefer easier input of financials on the institution stress test Review collected by and hosted on G2.com. What problems is Abrigo Loan Origination solving and how is that benefiting you? Standardizing processes; visibility to origination progress. Achieving somewhat faster turnaround times. Review collected by and hosted on G2.com. Show More Response from Jackie Myers of Abrigo Loan Origination [Editedit](https://www.g2.com/survey_responses/abrigo-loan-origination-review-5320508/official_response/edit) Thank you for your review, Janie. We are glad to hear that you have found Sageworks ability to make changes and frequent improvements helpful. We always enjoy getting feedback directly from those that use our product. We have taken your recommendation of easier input on financials to our Product team. If you have any additional feedback to provide, please email me directly at jackie.myers@abrigo.com. Thanks again for your feedback. Current UserValidated ReviewerIncentivizedSource: G2 invite on behalf of seller LK Lori K. Corporate Controller Mid-Market (51-1000 emp.) 2/4/2022 "Great Product Overall" 5/5 What do you like best about Abrigo Loan Origination? I like the customer service I receive. The employees are very knowledgable and helpful and respond quickly. Review collected by and hosted on G2.com. What do you dislike about Abrigo Loan Origination? Sometimes it seems like the website is slow to load pages. Review collected by and hosted on G2.com. Recommendations to others considering Abrigo Loan Origination: This is a great product. The customer service and advisory team is extremely helpful. They also provide very detailed training to learn all the features they have to offer. Review collected by and hosted on G2.com. What problems is Abrigo Loan Origination solving and how is that benefiting you? We use it for our Allowance for Loan Losses and will be using it when we implement CECL next year. Review collected by and hosted on G2.com. Show More Response from Jackie Myers of Abrigo Loan Origination [Editedit](https://www.g2.com/survey_responses/abrigo-loan-origination-review-5320183/official_response/edit) Thank you for your review, Lori. We are glad to hear that you have a positive experience working with our Team. We have taken your feedback of site speed to our Product team. We always enjoy getting feedback directly from those that use our product. If you have any additional feedback to provide, please email me directly at jackie.myers@abrigo.com. Thanks again for your feedback. Validated ReviewerIncentivizedSource: G2 invite on behalf of seller ![Verified User in Banking](/assets/icons/anonymous-avatar-purple-4ae1032bdb50ee5682003170c8184aee790d25958bd397abbd384ba52c596a7b.svg "Verified User in Banking") EB Verified User in Banking Mid-Market (51-1000 emp.) 2/4/2022 "LOS for community banks" 4.5/5 What do you like best about Abrigo Loan Origination? We already use the spread and CECL products, so adding the Sageworks LOS made a lot of sense. Review collected by and hosted on G2.com. What do you dislike about Abrigo Loan Origination? The spreading software generates reports in word rather than excel so it can be difficult to manipulate the output. There are some limited options with how to analyze different borrower types. Review collected by and hosted on G2.com. What problems is Abrigo Loan Origination solving and how is that benefiting you? Standardization, elimination of duplicate data entry, borrower portal, compliance monitoring. We are in the process of implementing the LOS. Review collected by and hosted on G2.com. Show More Response from Jackie Myers of Abrigo Loan Origination [Editedit](https://www.g2.com/survey_responses/abrigo-loan-origination-review-5320367/official_response/edit) Thank you for your review. We are glad to hear that you added Sageworks LOS to your spread and CECL products. We have taken your recommendation of generating reports in word and analyzing different borrower types to our Product team. We always enjoy getting feedback directly from those that use our product. If you have any additional feedback to provide, please email me directly at jackie.myers@abrigo.com. Thanks again for your feedback. Current UserValidated ReviewerIncentivizedSource: G2 invite on behalf of seller ![Verified User in Banking](/assets/icons/anonymous-avatar-purple-4ae1032bdb50ee5682003170c8184aee790d25958bd397abbd384ba52c596a7b.svg "Verified User in Banking") UB Verified User in Banking Small-Business (50 or fewer emp.) 11/9/2021 "Excellent resource to build efficiencies in your bank." 5/5 What do you like best about Abrigo Loan Origination? Easy to learn and easy for both employees and customers to use (when uploading tax returns, etc). Great resource for gathering and clearing ticklers from clients. Review collected by and hosted on G2.com. What do you dislike about Abrigo Loan Origination? I honestly cannot think of a dislike. It's an excellent resource and I'm thankful my bank uses it's services. Review collected by and hosted on G2.com. What problems is Abrigo Loan Origination solving and how is that benefiting you? The biggest benefit was using it for PPP 1 & 2. That's how I learned its functionality, ability to work with client to accept applications and documents. It was a $17,000 investment which earned the bank over $1MM in fees and interest from the SBA. Review collected by and hosted on G2.com. Show More Response from Jackie Myers of Abrigo Loan Origination [Editedit](https://www.g2.com/survey_responses/abrigo-loan-origination-review-5108145/official_response/edit) Thank you for your review. We are glad to hear that you have a positive experience with the ease of use of the product. We always enjoy getting feedback directly from those that use our product. If you have any additional feedback to provide, please email me directly at jackie.myers@abrigo.com. Thanks again for your feedback. Current UserValidated ReviewerIncentivizedSource: G2 invite on behalf of seller ![Dennis K.](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Dennis K.") DK Dennis K. Senior Credit Officer Mid-Market (51-1000 emp.) 11/7/2021 "Abrigo delivers what they promise ; plus" 5/5 What do you like best about Abrigo Loan Origination? Their commitment to customer serrvice, there culture of actually listening to their clients and meeting their requests. Review collected by and hosted on G2.com. What do you dislike about Abrigo Loan Origination? Individual product pricing as a opposed to platform pricing based on use Review collected by and hosted on G2.com. Recommendations to others considering Abrigo Loan Origination: Excellent platform for community banks Review collected by and hosted on G2.com. What problems is Abrigo Loan Origination solving and how is that benefiting you? Underwriting, Loan Pricing, Loan Administration, Relationship Management, ALLL & CECL, risk ratings, Loan decisioning, Special Asset management Review collected by and hosted on G2.com. Show More Response from Jackie Myers of Abrigo Loan Origination [Editedit](https://www.g2.com/survey_responses/abrigo-loan-origination-review-5103771/official_response/edit) Thank you for your review, Dennis. We are glad to hear that you have a positive experience with our customer service team. We have taken your feedback about product pricing to the appropriate team. We always enjoy getting feedback directly from those that use our product. If you have any additional feedback to provide, please email me directly at jackie.myers@abrigo.com. Thanks again for your feedback Current UserValidated ReviewerIncentivizedSource: G2 invite on behalf of seller JH Jill H. Operations Officer Mid-Market (51-1000 emp.) 11/4/2021 "Awesome service. Great to work with." 5/5 What do you like best about Abrigo Loan Origination? Their service is amazing. Any need we have is met immediately and with care. If something is not feasible to be corrected within the system at this time, they take our feedback for future enhancements. Review collected by and hosted on G2.com. What do you dislike about Abrigo Loan Origination? Since the merger, respond times seems to be slowigg by down a bit. Review collected by and hosted on G2.com. What problems is Abrigo Loan Origination solving and how is that benefiting you? Slowing response times from support. But benefits include increased efficiency, better reporting capabilities, pipeline management and transparency within the organization. Review collected by and hosted on G2.com. Show More Response from Jackie Myers of Abrigo Loan Origination [Editedit](https://www.g2.com/survey_responses/abrigo-loan-origination-review-5098464/official_response/edit) Thank you for your review, Jill. We appreciate you taking time to provide us with honest feedback about your service experiences. We have taken your feedback about response times to the appropriate team. We always enjoy getting feedback directly from those that use our product. If you have any additional feedback to provide, please email me directly at jackie.myers@abrigo.com. Thanks again for your feedback. Validated ReviewerIncentivizedSource: G2 invite on behalf of seller ## Questions about Abrigo Loan Origination? Ask real users or explore answers from the community Get practical answers, real workflows, and honest pros and cons from the G2 community or share your insights. [ Ask about Abrigo Loan Origination ](https://www.g2.com/products/abrigo-loan-origination/discussions/new) GU Guest User • Last activity about 4 years ago How much does sageworks cost? 0 Upvotes 2 [ Join the conversation ](https://www.g2.com/discussions/how-much-does-sageworks-cost) [ View all Discussions ](https://www.g2.com/products/abrigo-loan-origination/discuss) ## Pricing Insights Averages based on real user reviews. ### Time to Implement 5 months ### Return on Investment 16 months ### Average Discount 7% [ View More Pricing Information ](https://www.g2.com/products/abrigo-loan-origination/pricing) Abrigo Loan Origination Comparisons ![Product Avatar Image](https://images.g2crowd.com/uploads/product/image/small_square/small_square_0eda4f80a206f89004c0a3b676a24c47/turnkey-lender.png "Product Avatar Image") TurnKey Lender 4.7/5(21) [ Compare Now ](https://www.g2.com/compare/abrigo-loan-origination-vs-turnkey-lender) ![Product Avatar Image](https://images.g2crowd.com/uploads/product/image/small_square/small_square_e5bbdbfdce7f292bcc9e9c76a10aecd3/m2p-fintech-finflux.png "Product Avatar Image") Finflux 4.6/5(106) [ Compare Now ](https://www.g2.com/compare/abrigo-loan-origination-vs-m2p-fintech-finflux) ![Product Avatar Image](https://images.g2crowd.com/uploads/product/image/small_square/small_square_231956366e067dde6c569276944f47e2/floify.png "Product Avatar Image") Floify 4.8/5(57) [ Compare Now ](https://www.g2.com/compare/abrigo-loan-origination-vs-floify) ##### ##### Abrigo Loan Origination Features Agentic AI - Loan Origination Autonomous Task Execution Multi-step Planning Cross-system Integration [ View More Features ](https://www.g2.com/products/abrigo-loan-origination/features) ## Top-Rated Alternatives [ ![TurnKey Lender](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "TurnKey Lender") TurnKey Lender 4.7/5(21) ](https://www.g2.com/products/turnkey-lender/reviews) [ ![Finflux](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Finflux") Finflux 4.6/5(106) ](https://www.g2.com/products/m2p-fintech-finflux/reviews) [ ![LendingPad](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "LendingPad") LendingPad 4.7/5(168) ](https://www.g2.com/products/lendingpad/reviews) [ View All Alternatives ](https://www.g2.com/products/abrigo-loan-origination/competitors/alternatives) ##### Categories on G2 [Loan Origination](https://www.g2.com/categories/loan-origination)[Loan Servicing](https://www.g2.com/categories/loan-servicing)[Loan Management](https://www.g2.com/categories/loan-management) ##### Explore More [What's the best service for automated customer support chats](https://www.g2.com/discussions/what-s-the-best-service-for-automated-customer-support-chats)[customer success tools](https://www.g2.com/discussions/which-customer-success-tools-make-the-biggest-difference-in-your-day-to-day-work)[What's the most reliable enterprise employee identity protection platform with dark web monitoring?](https://www.g2.com/discussions/what-s-the-most-reliable-enterprise-employee-identity-protection-platform-with-dark-web-monitoring) [What application release orchestration platforms reduce the risk of failed deployments for teams that ship frequently and cannot afford rollback incidents affecting production users?](https://www.g2.com/discussions/what-application-release-orchestration-platforms-reduce-the-risk-of-failed-deployments-for-teams-that-ship-frequently-and-cannot-afford-rollback-incidents-affecting-production-users)[Which presales management platforms have the most mature metrics and deal review practices?](https://www.g2.com/discussions/which-presales-management-platforms-have-the-most-mature-metrics-and-deal-review-practices)[Pros and Cons Details](https://www.g2.com/products/abrigo-loan-origination/reviews?qs=pros-and-cons) [Show MoreShow Less](javascript:void(0);)