2024 Sustainability Report
Extracted ESG KPIs
KPIs are organized by ESG aspects.
The types of emissions and respective emissions data.
| Indicator | Unit | 2022 | 2023 | 2024 | Report Pages |
|---|---|---|---|---|---|
| Concentration of catering fume in restaurant fume exhaust at headquarters after purification | mg/m³ | 0.44 | 35 | ||
| Concentration of nonmethane hydrocarbons in restaurant fume exhaust at headquarters after purification | mg/m³ | 4.53 | 35 | ||
| Concentration of particulate matter in restaurant fume exhaust at headquarters after purification | mg/m³ | 1.8 | 35 | ||
| Scope 2 - Heat emissions from some office spaces | tCO2e | 3900.7 | 4391.83 | 3558.14 | 36 |
Direct (Scope 1) and energy indirect (Scope 2) greenhouse gas emissions (in tonnes) and, where appropriate, intensity (e.g. per unit of production volume, per facility).
| Indicator | Unit | 2022 | 2023 | 2024 | Report Pages |
|---|---|---|---|---|---|
| Per capita GHG emissions from some office spaces | tCO2e/person | 2.33 | 2.11 | 1.87 | 36 |
| Scope 1 - Gasoline consumption emissions from some office spaces | tCO2e | 141.78 | 169.67 | 175.27 | 36 |
| Scope 1 - Natural gas combustion emissions from some office spaces | tCO2e | 428.76 | 465.48 | 474.49 | 36 |
| Scope 2 - Electricity consumption emissions from some office spaces | tCO2e | 13128.65 | 12929.94 | 13356.76 | 36 |
| Scope 3 - Employee travel (train and airplane) emissions from some office spaces | tCO2e | 223.85 | 571.38 | 1084.59 | 36 |
| Total GHG emissions from some office spaces | tCO2e | 17823.74 | 18528.3 | 18649.25 | 36 |
Total hazardous waste produced (in tonnes) and, where appropriate, intensity (e.g. per unit of production volume, per facility).
| Indicator | Unit | 2022 | 2023 | 2024 | Report Pages |
|---|---|---|---|---|---|
| Hazardous waste generated at headquarters building (per capita amount) | kg/person | 0.00 | 0.39 | 0.10 | 35 |
| Hazardous waste generated at headquarters building (total amount) | ton | 0.03 | 0.84 | 0.22 | 35 |
Total non-hazardous waste produced (in tonnes) and, where appropriate, intensity (e.g. per unit of production volume, per facility).
| Indicator | Unit | 2022 | 2023 | 2024 | Report Pages |
|---|---|---|---|---|---|
| Estimated reduction of paper documents due to electronic centralized procurement program | million pages | 1 | 69 | ||
| Non-hazardous waste generated at headquarters building (per capita amount) | kg/person | 18.92 | 23.02 | 21.75 | 35 |
| Non-hazardous waste generated at headquarters building (total amount) | ton | 47.65 | 49.73 | 47.85 | 35 |
| Sheets of paper saved by quota-based printing system (headquarters building) | sheets | 53000 | 32 |
Direct and/or indirect energy consumption by type (e.g. electricity, gas or oil) in total (kWh in '000s) and intensity (e.g. per unit of production volume, per facility).
| Indicator | Unit | 2022 | 2023 | 2024 | Report Pages |
|---|---|---|---|---|---|
| Electricity consumption (headquarters building of the Group and its subsidiaries) | kWh | 21119021.0 | 21764883.5 | 22669072.8 | 32 |
| Gasoline consumption of official vehicles (Group Company, PICC P&C Headquarters, PICC Life Headquarters, PICC AMC, PICC Health Headquarters, PICC Investment Holdings, PICC Capital, PICC Reinsurance, PICC Hong Kong, PICC Technology) | liter | 63072.8 | 74788.8 | 33 | |
| Gasoline consumption of official vehicles (expanded to headquarters of the Group and its subsidiaries) | liter | 79541.8 | 33 | ||
| Natural gas consumption (headquarters building of the Group and its subsidiaries) | m³ | 198152.0 | 215070.5 | 219269.5 | 32 |
| Per capita electricity consumption (headquarters building of the Group and its subsidiaries) | kWh/person | 2765.0 | 2475.8 | 2270.1 | 32 |
| Per capita natural gas consumption (headquarters building of the Group and its subsidiaries) | m³/person | 25.9 | 24.5 | 22.0 | 32 |
| Purchased heat (headquarters building of the Group and its subsidiaries) | GJ | 35460.9 | 39925.7 | 32346.7 | 33 |
Water consumption in total and intensity (e.g. per unit of production volume, per facility).
| Indicator | Unit | 2022 | 2023 | 2024 | Report Pages |
|---|---|---|---|---|---|
| Per capita water consumption (headquarters building of the Group and its subsidiaries, excluding PICC Hong Kong, PICC Financial Services, and PICC Technology) | ton/person | 11.7 | 13.7 | 11.9 | 33 |
| Total water consumption (headquarters building of the Group and its subsidiaries, excluding PICC Hong Kong, PICC Financial Services, and PICC Technology) | ton | 85225 | 87468.4 | 90337.2 | 33 |
Description of energy use efficiency target(s) set and steps taken to achieve them.
| Indicator | Unit | 2024 | Report Pages |
|---|---|---|---|
| Electricity consumption reduction by cooling system using natural cold sources - North Information Center | kWh | 467700 | 32 |
| Power usage effectiveness (PUE) - North Information Center | 1.92 | 32 | |
| Power usage effectiveness (PUE) - South Information Center | 1.79 | 32 |
Description of the significant impacts of activities on the environment and natural resources and the actions taken to manage them.
| Indicator | Unit | 2024 | Report Pages |
|---|---|---|---|
| Carbon Sink Value Insurance risk guarantee | yuan | 184 trillion | 5 |
Total workforce by gender, employment type (for example, full- or part-time), age group and geographical region.
| Indicator | Unit | 2022 | 2023 | 2024 | Report Pages |
|---|---|---|---|---|---|
| Number of dispatched employees | persons | 14663 | 15785 | 15236 | 56 |
| Number of government-sponsored health insurance programs managed | 1442 | 5 | |||
| Number of on-the-job employees (regular employees with signed labor contracts) | persons | 177852 | 175881 | 175121 | 56 |
| Number of salespersons | persons | 375656 | 359097 | 347052 | 56 |
| On-the-job Employees by Age Group: 31-50 years old | persons | 125468 | 127934 | 129151 | 57 |
| On-the-job Employees by Age Group: <31 years old | persons | 29877 | 25832 | 23755 | 57 |
| On-the-job Employees by Age Group: >50 years old | persons | 22507 | 22115 | 22215 | 57 |
| On-the-job Employees by Gender: Female | persons | 85386 | 85132 | 85027 | 57 |
| On-the-job Employees by Gender: Male | persons | 92466 | 90749 | 90094 | 57 |
| On-the-job Employees by Region: Domestic | persons | 177785 | 175816 | 175008 | 57 |
| On-the-job Employees by Region: Overseas | persons | 67 | 65 | 113 | 57 |
Employee turnover rate by gender, age group and geographical region.
| Indicator | Unit | 2022 | 2023 | 2024 | Report Pages |
|---|---|---|---|---|---|
| Employee Employment Rate | % | 8.57 | 4.73 | 4.18 | 57 |
| Employee Employment Rate by Age Group: 31-50 years old | % | 1.32 | 57 | ||
| Employee Employment Rate by Age Group: <31 years old | % | 23.35 | 57 | ||
| Employee Employment Rate by Age Group: >50 years old | % | 0.27 | 57 | ||
| Employee Employment Rate by Gender: Female | % | 4.16 | 57 | ||
| Employee Employment Rate by Gender: Male | % | 4.19 | 57 | ||
| Employee Employment Rate by Region: Domestic | % | 4.18 | 57 | ||
| Employee Employment Rate by Region: Overseas | % | 3.54 | 57 | ||
| Employee Turnover Rate | % | 4.94 | 5.52 | 4.77 | 57 |
| Employee Turnover Rate by Age Group: 31-50 years old | % | 2.89 | 57 | ||
| Employee Turnover Rate by Age Group: <31 years old | % | 5.54 | 57 | ||
| Employee Turnover Rate by Age Group: >50 years old | % | 14.89 | 57 | ||
| Employee Turnover Rate by Gender: Female | % | 4.55 | 57 | ||
| Employee Turnover Rate by Gender: Male | % | 4.98 | 57 | ||
| Employee Turnover Rate by Region: Domestic | % | 4.77 | 57 | ||
| Employee Turnover Rate by Region: Overseas | % | 5.31 | 57 |
Number and rate of work-related fatalities occurred in each of the past three years including the reporting year.
| Indicator | Unit | 2022 | 2023 | 2024 | Report Pages |
|---|---|---|---|---|---|
| Number of work-related fatalities (persons) - whole company of PICC P&C | persons | 5 | 7 | 3 | 58 |
| Number of work-related injuries (persons) - whole company of PICC P&C | persons | 153 | 242 | 278 | 58 |
| Proportion of work-related fatalities (‰) - whole company of PICC P&C | ‰ | 0.03 | 0.04 | 0.02 | 58 |
Lost days due to work injury.
| Indicator | Unit | 2022 | 2023 | 2024 | Report Pages |
|---|---|---|---|---|---|
| Number of days lost due to work-related injuries (days) - whole company of PICC P&C | days | 8470 | 8393 | 9723 | 58 |
| Total claims paid | yuan | 448.5 billion | 5 |
Description of occupational health and safety measures adopted, and how they are implemented and monitored.
| Indicator | Unit | 2024 | Report Pages |
|---|---|---|---|
| Emergency disaster response actions | times | 255 | 5 |
| Potential hazards eliminated | hazards | 1.03 million+ | 5 |
The percentage of employees trained by gender and employee category (e.g. senior management, middle management).
| Indicator | Unit | 2024 | Report Pages |
|---|---|---|---|
| Proportion of employees trained (Female employees) | % | 97 | 62 |
| Proportion of employees trained (General management) | % | 99 | 62 |
| Proportion of employees trained (Male employees) | % | 97 | 62 |
| Proportion of employees trained (Middle management) | % | 99 | 62 |
| Proportion of employees trained (Senior management) | % | 100 | 62 |
| Proportion of employees trained (Specialized employees) | % | 97 | 62 |
| Sci-tech insurance risk protection | yuan | 3.12 trillion | 5 |
The average training hours completed per employee by gender and employee category.
| Indicator | Unit | 2024 | Report Pages |
|---|---|---|---|
| Average training hours (Female employees) | hour | 221 | 62 |
| Average training hours (General management) | hour | 251 | 62 |
| Average training hours (Male employees) | hour | 225 | 62 |
| Average training hours (Middle management) | hour | 212 | 62 |
| Average training hours (Senior management) | hour | 176 | 62 |
| Average training hours (Specialized employees) | hour | 220 | 62 |
Number of suppliers by geographical region.
| Indicator | Unit | 2022 | 2023 | 2024 | Report Pages |
|---|---|---|---|---|---|
| Number of registered domestic suppliers | 2045 | 4711 | 9089 | 68 | |
| Number of registered overseas suppliers | 2 | 13 | 16 | 68 | |
| Signing rate of suppliers included in centralized procurement program | % | 100 | 69 |
Description of practices relating to engaging suppliers, number of suppliers where the practices are being implemented, and how they are implemented and monitored.
| Indicator | Unit | 2023 | 2024 | Report Pages |
|---|---|---|---|---|
| Number of suppliers rated Excellent in annual evaluation | 473 | 69 | ||
| Number of suppliers rated Excellent in mid-term evaluation | 465 | 69 | ||
| Number of suppliers rated Good in annual evaluation | 373 | 69 | ||
| Number of suppliers rated Good in mid-term evaluation | 397 | 69 | ||
| Number of suppliers rated Qualified in annual evaluation | 126 | 69 | ||
| Number of suppliers rated Qualified in mid-term evaluation | 128 | 69 | ||
| Number of suppliers rated Unqualified in annual evaluation | 18 | 69 | ||
| Number of suppliers rated Unqualified in mid-term evaluation | 12 | 69 | ||
| Supplier Integrity Commitment signing rate | percent | 100% | 7 | |
| Total number of suppliers in annual evaluation | 990 | 69 | ||
| Total number of suppliers in mid-term evaluation | 1002 | 69 |
Description of practices used to identify environmental and social risks along the supply chain, and how they are implemented and monitored.
| Indicator | Unit | 2024 | Report Pages |
|---|---|---|---|
| Number of online supplier evaluations completed through the 'PICC e-purchase' management system | times | 2 | 68 |
| Number of suppliers evaluated through online supplier evaluations | suppliers | 1992 | 68 |
Number of products and service related complaints received and how they are dealt with.
| Indicator | Unit | 2022 | 2023 | 2024 | Report Pages |
|---|---|---|---|---|---|
| Automated dispatching rate for intelligent vehicle damage detection services in auto insurance claims | percent | nearly 90% | 7 | ||
| Claims services completed | services | over 1.11 million | 5 | ||
| Corporate clients served with social governance risk insurance | corporate clients | 330000+ | 5 | ||
| Customer complaints per 100 million yuan of premium income (PICC Health) | Cases/100 million yuan | 6.47 | 3.37 | 1.27 | 64 |
| Customer complaints per 100 million yuan of premium income (PICC Life) | Cases/100 million yuan | 3.38 | 1.52 | 0.71 | 64 |
| Customer complaints per 100 million yuan of premium income (PICC P&C) | Cases/100 million yuan | 1.63 | 1.84 | 0.54 | 64 |
| Customer complaints per 10000 policies (PICC Health) | Cases/10000 pieces of policies | 0.04 | 0.23 | 0.09 | 64 |
| Customer complaints per 10000 policies (PICC Life) | Cases/10000 pieces of policies | 0.12 | 0.55 | 0.28 | 64 |
| Customer complaints per 10000 policies (PICC P&C) | Cases/10000 pieces of policies | 0.00 | 0.00 | 0.00 | 64 |
| Number of intelligent vehicle damage detection services provided in auto insurance claims | services | over 10000 | 7 | ||
| Number of online services delivered in personal injury claims mediation | services | 210000 | 7 | ||
| Number of self-service transactions and automated reviews enabled by digitalized and automated insurance underwriting and claims processing | transactions | 20.23 million | 7 | ||
| Proceeds through intellectual property insurance products for sci-tech enterprises | billion yuan | 3.1 | 74 | ||
| Response rate on the Shanghai Stock Exchange E-Interactive platform | percent | 100% | 7 |
Description of practices relating to observing and protecting intellectual property rights.
| Indicator | Unit | 2024 | Report Pages |
|---|---|---|---|
| Number of invention patents applied group-wide | 986 | 74 | |
| Number of patents applied group-wide | 1388 | 74 | |
| Number of sci-tech enterprises served with intellectual property insurance products | 1155 | 74 |
Description of consumer data protection and privacy policies, and how they are implemented and monitored.
| Indicator | Unit | 2024 | Report Pages |
|---|---|---|---|
| ISO/IEC 27001 certification for Information Security Management System | earned | 7 |
Description of preventive measures and whistle-blowing procedures, and how they are implemented and monitored.
| Indicator | Unit | 2024 | Report Pages |
|---|---|---|---|
| Number of risk alerts issued | alerts | 50 million+ | 5 |
Description of anti-corruption training provided to directors and staff.
| Indicator | Unit | 2024 | Report Pages |
|---|---|---|---|
| Number of employees participating in anti-corruption training | employees | over 170000 | 7 |
Focus areas of contribution (e.g. education, environmental concerns, labour needs, health, culture, sport).
| Indicator | Unit | 2024 | Report Pages |
|---|---|---|---|
| Belt and Road Initiative risk protection | yuan | 1.9 trillion | 5 |
| Number of beds available for elderly care under 'Warm Heart Companion' program | beds | more than 20000 | 5 |
| Number of beds available under 'Warm Heart Companion' program | beds | more than 20000 | 5 |
| Number of farming households covered for rural revitalization risk protection | households | 55.42 million | 5 |
| Regional catastrophe insurance coverage (cities) | cities | 118 | 5 |
| Regional catastrophe insurance coverage (population) | people | over 400 million | 5 |
| Regional catastrophe insurance coverage (provinces) | provinces | 20 | 5 |
| Risk protection for new citizens | yuan | over 400 trillion | 5 |
| Risk protection for rural revitalization | RMB | 2.1 trillion | 5 |
Resources contributed (e.g. money or time) to the focus area.
| Indicator | Unit | 2024 | Report Pages |
|---|---|---|---|
| Number of elderly care institutions partnered with under 'Warm Heart Companion' program | across 14 provinces | 5 | |
| Number of new citizens served | citizens | 18.18 million | 5 |
| Number of people benefiting from critical illness, long-term care, and outpatient chronic disease insurance | people | nearly 1 billion | 5 |
| Total insurance coverage provided | yuan | 3175 trillion | 5 |
The types of emissions and respective emissions data.
| Standard Indicator | Unit | 2024 |
|---|---|---|
| Airborne Particulate Matter (PM) Emissions | mg/m³ | 1.8 |
Direct (Scope 1) and energy indirect (Scope 2) greenhouse gas emissions (in tonnes) and, where appropriate, intensity (e.g. per unit of production volume, per facility).
| Standard Indicator | Unit | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| Direct GHG Emissions (Scope 1) | tCO2e | 570.54 | 635.15 | 649.76 |
| GHG Emissions from Natural Gas | tCO2e | 428.76 | 465.48 | 474.49 |
| GHG Emissions from Purchased Electricity | tCO2e | 13128.65 | 12929.94 | 13356.76 |
| Indirect Energy Emissions (Scope 2) | tCO2e | 13128.65 | 12929.94 | 13356.76 |
| Mobile Combustion Emissions | tCO2e | 141.78 | 169.67 | 175.27 |
| Scope 3 GHG Emissions (Business Travel) | tCO2e | 223.85 | 571.38 | 1084.59 |
| Stationary Combustion Emissions | tCO2e | 428.76 | 465.48 | 474.49 |
| Total GHG Emissions | tCO2e | 17823.74 | 18528.3 | 18649.25 |
| Total GHG Emissions Intensity (By Employee) | tCO2e/person | 2.33 | 2.11 | 1.87 |
Total hazardous waste produced (in tonnes) and, where appropriate, intensity (e.g. per unit of production volume, per facility).
| Standard Indicator | Unit | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| Total Hazardous Waste | ton | 0.03 | 0.84 | 0.22 |
Total non-hazardous waste produced (in tonnes) and, where appropriate, intensity (e.g. per unit of production volume, per facility).
| Standard Indicator | Unit | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| Non-Hazardous Waste (Office Waste) | ton | 47.65 | 49.73 | 47.85 |
| Total Non-Hazardous Waste Intensity (By Employee) | kg/person | 18.92 | 23.02 | 21.75 |
Direct and/or indirect energy consumption by type (e.g. electricity, gas or oil) in total (kWh in '000s) and intensity (e.g. per unit of production volume, per facility).
| Standard Indicator | Unit | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| Gasoline Consumption | liter | 63072.8 | 74788.8 | 79541.8 |
| Natural Gas Consumption | m³ | 198152 | 215070.5 | 219269.5 |
| Natural Gas Consumption Intensity (By Employee) | m³/person | 25.9 | 24.5 | 22 |
| Purchased Electricity | kWh | 21119021 | 21764883.5 | 22669072.8 |
| Purchased Electricity Intensity (By Employee) | kWh/person | 2765 | 2475.8 | 2270.1 |
| Purchased Heating | GJ | 35460.9 | 39925.7 | 32346.7 |
Water consumption in total and intensity (e.g. per unit of production volume, per facility).
| Standard Indicator | Unit | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| Water Consumption | ton | 85225 | 87468.4 | 90337.2 |
Description of energy use efficiency target(s) set and steps taken to achieve them.
| Standard Indicator | Unit | 2024 |
|---|---|---|
| Electricity Usage Reduction Compared to Last Year | kWh | 467700 |
Description of the significant impacts of activities on the environment and natural resources and the actions taken to manage them.
| Standard Indicator | Unit | 2024 |
|---|---|---|
| Total Investment in Ecological Restoration | trillion yuan | 184 |
Total workforce by gender, employment type (for example, full- or part-time), age group and geographical region.
| Standard Indicator | Unit | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| Number of Employees Aged 30-50 | persons | 125468 | 127934 | 129151 |
| Number of Employees Aged Above 50 | persons | 22507 | 22115 | 22215 |
| Number of Employees Aged Below 30 | persons | 29877 | 25832 | 23755 |
| Number of Employees in Overseas | persons | 67 | 65 | 113 |
| Number of Female Employees | persons | 85386 | 85132 | 85027 |
| Number of Male Employees | persons | 92466 | 90749 | 90094 |
| Number of Total Employees | persons | 177852 | 175881 | 175121 |
| Percentage of Employees Aged 30-50 | % | 70.56 | 72.76 | 73.75 |
| Percentage of Employees Aged Above 50 | % | 12.65 | 12.58 | 12.68 |
| Percentage of Employees Aged Below 30 | % | 16.8 | 14.69 | 13.56 |
| Percentage of Female Employees | % | 48.02 | 48.4 | 48.55 |
| Percentage of Male Employees | % | 51.98 | 51.6 | 51.45 |
Employee turnover rate by gender, age group and geographical region.
| Standard Indicator | Unit | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| Turnover Rate of Employees Aged 30-50 | % | 2.89 | ||
| Turnover Rate of Employees Aged Above 50 | % | 14.89 | ||
| Turnover Rate of Employees Aged Below 30 | % | 5.54 | ||
| Turnover Rate of Employees in Overseas | % | 5.31 | ||
| Turnover Rate of Female Employees | % | 4.55 | ||
| Turnover Rate of Male Employees | % | 4.98 | ||
| Turnover Rate of Total Employees | % | 4.94 | 5.52 | 4.77 |
Number and rate of work-related fatalities occurred in each of the past three years including the reporting year.
| Standard Indicator | Unit | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| Number of Work-related Fatalities | persons | 5 | 7 | 3 |
Lost days due to work injury.
| Standard Indicator | Unit | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| Lost Days Due to Work-related Injuries | days | 8470 | 8393 | 9723 |
The percentage of employees trained by gender and employee category (e.g. senior management, middle management).
| Standard Indicator | Unit | 2024 |
|---|---|---|
| Percentage of Employees Trained | % | 99 |
| Percentage of Trained Female Employees | % | 97 |
| Percentage of Trained Male Employees | % | 97 |
| Percentage of Trained Middle Management | % | 99 |
| Percentage of Trained Senior Management | % | 100 |
The average training hours completed per employee by gender and employee category.
| Standard Indicator | Unit | 2024 |
|---|---|---|
| Average Training Hours (Female) | hour | 221 |
| Average Training Hours (General management) | hour | 251 |
| Average Training Hours (Male) | hour | 225 |
| Average Training Hours (Middle Management) | hour | 212 |
| Average Training Hours (Senior Management) | hour | 176 |
Number of suppliers by geographical region.
| Standard Indicator | Unit | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| Number of Suppliers in Overseas | 2 | 13 | 16 | |
| Number of Total Suppliers | 2047 | 4724 | 9105 |
Description of practices used to identify environmental and social risks along the supply chain, and how they are implemented and monitored.
| Standard Indicator | Unit | 2024 |
|---|---|---|
| Number of Suppliers Participated in Sustainability Risk Assessment | suppliers | 1992 |
Number of products and service related complaints received and how they are dealt with.
| Standard Indicator | Unit | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| Number of Products and Service Related Complaints | Cases/100 million yuan | 3.38 | 1.84 | 1.27 |
Description of practices relating to observing and protecting intellectual property rights.
| Standard Indicator | Unit | 2024 |
|---|---|---|
| Number of Invention Patents | 986 | |
| Number of Patents Applied | 1388 |
Description of anti-corruption training provided to directors and staff.
| Standard Indicator | Unit | 2024 |
|---|---|---|
| Number of People Participated in Ethical Standards and Anti-corruption Training | employees | over 170000 |
Resources contributed (e.g. money or time) to the focus area.
| Standard Indicator | Unit | 2024 |
|---|---|---|
| Total Social Investment | trillion yuan | 3175 |