Surprising Factors That Impact Your Home Insurance Rate

The Dress, The Date, The Hair, The Music, and what to do after… all things that are on your teen's mind before the infamous prom night. Driving is usually not an important component in a teen's mind, but for parents it can be a big worry. Many parents often overlook the need to have honest discussions with their teens about safe driving and avoiding alcohol and drugs. Statistics show that prom and graduation season—the months of April, May and June—are the most dangerous time for teens. One-third of the alcohol-related traffic fatalities involving teens each year occur during those months. Here's an honest and teen-friendly guide to sharing concerns with your teen for one of the most important nights of their adolescent career. Many parents often overlook the need to have honest discussions with their teens about safe driving and avoiding alcohol and drugs. Have a good time. Explain to your teen that you want them to have fun and enjoy themselves. Just don't drink. Years from now, they will laugh when looking back at prom, but not if they don't remember the night. Relate it to your prom. Explain to them what you did right or wrong and what the consequences were. Don't be afraid to tell them the truth if you made some bad judgment calls. This can only help them to feel that you are human and that you regret those decisions and don't want them to make the same. Remind them of their future. High school is a great time, but they have their whole future ahead of them. Don't ruin that by drinking or doing drugs on Prom night or any night. Immature vs. Mature. Your teen may think that drinking or doing drugs and driving is what the grown-up thing is to do. Explain to them that is the most immature and irresponsible decision they could make. Being mature is about making the right decision and keeping your future in sight. Drive safe! If they are driving, make sure that they understand the responsibility of driving on Prom night. Share these six tips with your teen: Wear seatbelts. Don't speed. Be a defensive driver. Not everyone on the road is going to be as safe as you, watch out for other unsafe drivers. Don't drink or do drugs. This impairs judgment for driving and could potentially end in a fatality. If you do make a mistake, or find yourself in an uncomfortable situation, call your parents immediately. They will respect you for being mature enough to see the danger and making the right call. Don't ride with anyone who has been drinking or doing drugs. This takes your life out of your hands. Pay attention to the road while driving. Don't get distracted with cell phones, radio, or passengers. Driving is a very important responsibility and shouldn't be taken lightly. Teenage drivers have the highest crash risk of any age group and it's largely due to driver error. According to the American Academy of Pediatrics, one in four crash fatalities involve someone 16 to 24 years old, nearly twice as high as other age groups. Don't let your teenager be a statistic. Talk with your teen and communicate the importance of safe driving on Prom night and every night.  Your safety is number one to us. If you want to make sure you have the right insurance coverage for your teen driver, you can contact the insurance team at Lisa Broadbent Insurance at (302) 731-0044 today to get an evaluation and free quote. Stay safe wherever you choose to go on the road.

Winter driving can be challenging. Whether you're driving in snow for the first time or looking to understand how to drive in snow with front-wheel drive, these tips for driving in winter weather can help you. Driving in snow for the first time. According to Car and Driver , when driving on icy or snow covered roads, drivers should avoid making jerky movements with your vehicle. This means avoiding sudden, hard brakes. When turning the wheel, drivers should try to make the turn as smoothly as possible. Additionally, avoid accelerating too quickly. Press the accelerator lightly, and gradually build up to a slow, controllable speed. Driving in snow at night. Snow can reduce visibility on the roads, and it can be even more challenging at night. According to Pellman's Automotive , there are some winter driving safety tips drivers can follow to make it a bit easier. First, drivers should make sure their headlights are aimed properly. If they are too high or too low, it may decrease the ability to see what's in front. It's a good idea to always clean off your windshield before starting to drive. Snow and ice scrapers can be purchased at many local auto parts stores. Next, consider buying windshield washer fluid that won't freeze in winter elements. That way, if snow accumulates on the windshield while driving, it can be washed away. If the washer fluid is not made for winter weather, it could freeze, meaning the wiper blades would have to do all the work. Of course, it wouldn't hurt to make sure the blades are of high quality and aren't worn out. How to drive in snow with front-wheel drive. Understanding your vehicle plays a big role in winter driving safety. Tips for driving a front-wheel drive vehicle in snow, for example, may not apply to a rear-wheel drive vehicle, and vice versa. According to Car and Driver, for front-wheel drive vehicles, the key to recovering from a skid if the front wheels lose traction is to ease off the gas. This will cause the front wheels to slow down, which increases their chances of regaining traction. Then, turn the wheel in the direction you want the vehicle to go. According to Car and Driver, for front-wheel drive vehicles, the key to recovering from a skid if the front wheels lose traction is to ease off the gas. This will cause the front wheels to slow down, which increases their chances of regaining traction. Then, turn the wheel in the direction you want the vehicle to go. Driving on icy roads. Many of these tips apply to driving on both snow and ice, but it's important to note that ice can be present without snow. This can be in the form of “black ice,” which is clear ice that seems to blend in with the black color of the road. Black ice can look like a puddle, or in some cases, a slight glaze on the road. The USDA says it is important to remain calm if you encounter black ice and start to spin out. The USDA instructs: Do not press your brake pedal. Keep your steering wheel straight if you can. Do not accelerate while your vehicle is spinning out. Turn your vehicle in the direction your vehicle is spinning, as turning it the opposite way can make things worse. When you start to gain traction, turn your wheel in the direction you want to go, and slowly accelerate. Winter driving tips for truck drivers. If you drive a large truck in snow or ice (i.e., an 18-wheeler or other large commercial truck), these tips can help. For starters, it is always recommended that truck drivers drive at a slow, controlled speed. It is also recommended that drivers leave as much room as possible between their truck and the vehicle ahead of them since it could take longer than usual to slow the truck down. Lastly, when truckers brake, they should brake slowly. Remember that practicing these winter weather driving tips doesn’t mean that an accident won’t happen. That’s why it’s important to have insurance. If you’re looking for a better experience, you can get a quote by contacting Lisa Broadbent Insurance at (302) 731-0044 today!

You're driving on a winding road, when a deer pops out in front of you. Do you brake? Do you try to swerve around it? How do you respond to such an unpredictable event? Animals seem to have other things on their mind near the roads, and sometimes jump out at cars unexpectedly. To make things worse, when they see headlights approaching, they freeze! That is why the term “caught like a deer in headlights” was created. Avoiding deer and other animals requires a quick response. Unfortunately, it can be challenging to think about what to do, and then do it on the fly. Following these guidelines can help you avoid hitting a deer or other animal. Fasten your seatbelt While this will not help you avoid hitting an animal, it is the best way to help ensure safety for you and the passengers in your car. Buckle up during every auto trip! Make sure all your passengers are wearing their seatbelts as well. Pay attention to animal-crossing signs There are yellow, diamond-shaped signs on the side of the road with animal pictures on them (deer, moose, bear) that let you know you're in an area where animals are known to cross the road. Honk your horn in short bursts (for deer) The Insurance Information Institute suggests that when driving in environments with a high likelihood of deer crossings, drivers should periodically honk their horn in short spurts. This can help scare away any deer that may have been near the road. However, honking the horn too much may confuse the deer and lead them closer to the road, and it can also confuse other drivers, so it's recommended to hold a steady pace and not overdo it. Be especially alert at dawn and dusk Animals are most likely to be roaming at dawn and dusk, so stay especially alert during these times to avoid collision. If a deer appears on the road… According to the iii, you should avoid swerving to miss a deer, as this can lead to a more serious crash. The instinctual action of swerving can cause more harm than good. You may swerve into the other lane with oncoming traffic, a tree, a fence or road sign. This can increase your chance of injury. Drive towards where the animal came from When sensing danger, roaming wildlife are most likely to either stand still in fear or run onward in the direction they are already going. If you feel you can safely maneuver your car, your best option to miss the animal is often to drive towards the direction where it came from. Be aware there could be more deer following Deer usually travel in a herd, so most likely there will be more deer following the one that you saw in the road. Always be on the lookout for more deer. Brake firmly Per the Insurance Information Institute, unless there is a car directly behind you, brake firmly and safely slow your vehicle. If there is a car close by, slow down, but make sure to honk your horn to signal to the other driver that there is a problem ahead. Drive at a safe speed. Speed limits exist for a reason! Following the posted speed limit helps you maintain control regardless of twists, turns and unexpected visitors. Did you know that Lisa Broadbent Insurance offers comprehensive coverage for personal vehicles? Comprehensive coverage limits your financial loss if you hit a deer and need repairs to your vehicle. So, if you have this coverage on a policy with us and your damages from an animal accident exceed your deductible, we will pay the remaining amount! Contact us at (302) 731-0044 if you need to discuss your automobile insurance coverage including Comprehensive coverage. Of course, we hope you never have to use that coverage. We wish you the best of luck in your deer collision prevention efforts!

Hurricanes can be especially disastrous because of the many hazards they present; such hazards include high winds, hail, flooding, heavy rainfall and tornadoes. Taking Precautions To avoid a claim, be proactive. Clear any debris from your gutters, trim hazardous branches, and remove or secure any outside personal property that could blow away or strike the building. Make sure the roof and flashing are in good condition; if old or worn, replace the roof before a storm hits — most problems occur with roofs that are old, brittle and deteriorated. Have multiple sets of contact information, in addition to your policy number, ready if you need to report a claim. Know what responsibilities you have under the policy. Back up all sales and accounting records off premises. Check alarm system batteries to ensure that they are working. In the event of an evacuation, lock and secure the premises. Be mindful that you may need to document damages and take pictures. Prior to any loss, photograph and/or videotape your building and business personal property. Keep one copy of the photographs/videos on hand and the other off premises. To report a claim, call the claims department of the insurance company or our office directly at 302-731-0044 . Flooding You can never be too cautious. If your property is located near a river, a creek or a stream, consider moving your computer and other electrical/electronic equipment to the second floor. If that’s not possible, place the equipment on a desk or a shelving unit. Consider covering the equipment with tarps in case water comes through the roof. Also, if your property is a dwelling rented to tenants, please advise them in advance to be safe by checking outside water levels often during a storm. If it is unsafe to go outside, have them ask a neighbor who has an easy view of the water to be on the lookout. You can also check real-time water flow data for your area online. In addition, please do not drive onto a roadway or area with flooding. First, you don’t know the depth of the water. Floods waters look shallower than you think, and it only takes 6 inches of water for your vehicle to float away. Please think twice before you need help getting to safety. Having a Plan If you do not already have an evacuation plan, an emergency response plan or a flood emergency response plan for your property, create one as soon as possible. The best way for residents to prepare for a hurricane is to do so before hurricane season arrives: Locate evacuation routes and shelters Store water and canned food Put a first aid kit together Know where your flashlights and batteries are located For information about utility shutoff safety, preparedness tips for pet owners and people with disabilities, flood safety awareness and insurance, instructional preparedness videos and more, visit ready.gov. For information specific to hurricane weather, visit the National Weather Service’s Hurricane Center. If you need help with insurance needs related to your property and hurricanes, contact a licensed, experienced insurance professional at Lisa Broadbent Insurance at (302) 731-0044 to discuss your options. Thank you for your support and business. At Broadbent Insurance, we are always here to help. We hope you find this information helpful. Please be safe.

Learning how to drive is an exciting milestone for many teenagers and often a source of worry for their parents. This concern is more than warranted; teens drive less than other age groups, yet the number of crashes and fatalities for them is disproportionately high—nearly four times the rate of drivers 20 years and older. This underscores the important role that parents play in reducing the risk of terrible outcomes by supporting their teens as they learn safe driving practices. Auto accidents involving young drivers are often more severe and therefore more likely to necessitate coverage from a personal excel liability policy, also known as an umbrella policy. This coverage can offer protection for accidents once the underlying limits of the auto policy are met. Unsurprisingly, distracted driving, particularly when a cell phone is involved, is a common cause of accidents involving young drivers. Others causes simply reflect teenagers' lack of driving experience. Parents play the most important role in building safe, skilled young drivers by setting a good example and discussing safe driving practices with their teens. Plan a series of practice sessions with your teen driver that include a wide variety of situations where you can provide guidance, such as driving at night and in bad weather. Continue to teach and supervise your teen as they graduate from a learner’s permit to a license. Talking about safe driving with your teen is important but to take it a step further, you can also ask them to agree to safe driving and get it in writing with a parent-teen driving agreement. This can help ensure that your young driver hears you and helps them understand the rules of the road, plus the potential consequences of breaking them. Restrict Teenage Passengers Studies have shown that the crash risk for teen drivers increases when there are teenage passengers in the car. Passengers can easily distract a new driver, and their presence may also lead to greater risk-taking. The best policy is to always restrict teen passengers. Restrict Night Driving The most severe teen crashes occur between 9 pm and midnight. Night driving requires more skill behind the wheel and even teens who usually follow safe driving practices can be at risk. Setting restrictions around unsupervised driving after 9 pm can help increase safety. Limit Driving In Bad Weather While inclement weather makes driving more dangerous for everyone, teen drivers are more likely to lack the experience to react safely in poor conditions. Limit your teen’s unsupervised driving in severe weather until they gain more experience. Enroll In Driver's Education Enrolling your teen in a driver safety course is a great way to help them learn safer driving techniques in a controlled environment. Choose A Safer Vehicle The best vehicle for your teen is one that reduces their chances of crashing and offers protection from injury. Although they may be drawn to smaller-sized or high-performance vehicles, these introduce dangerous risk factors: small cars don’t offer the ideal protection during collisions, and inexperienced drivers can easily lose control of high-performance vehicles. Emphasize The Importance Of Seat Belts Teens and young adults have the lowest seatbelt use rate in the U.S. Just because your teen wears their seat belt while you are in the car doesn't mean it will be worn when they are driving alone or with peers. Insist that every member of your family gets into the habit of wearing a seat belt, even in the back seat or during very short trips. Nearly 50% of teenage auto fatalities in the U.S. happen in the summer between Memorial Day and Labor Day, according to Cambridge Mobile Telematics, as teens often enjoy more freedom and are more likely to be driving with young passengers during the summer months. Parents should be even more cautious during this time, keeping in mind the importance of restricting night driving and passengers. Technology That Supports Safe Driving Since the middle of the 20th century, innovation has improved outcomes when it comes to auto accidents. Ralph Nader’s monumental work around seatbelts led to the National Highway Traffic Safety Administration and then the implementation of airbags. Today, there is no shortage of technology and innovations that help to foster a safer driving experience for teens. According to a 2021 study by the Insurance Institute for Highway Safety, safe-driving technology has the potential to prevent up to three-quarters of deadly crashes where teen drivers are involved. Another auto safety study of in-vehicle monitoring technology found that young drivers are more likely to adjust their driving behavior if their parents were notified of instances of risky driving. In-car features like those offered by Buick™, Cadillac™ and Chevrolet™ allow parents to program limitations on speed and location. There are also many apps that help your teenager resist distractions like text messages and music. We recommend researching these devices and apps before deciding which one may fit your family's needs best. Our experienced agents at Lisa Broadbent Insurance are available to assist with your teen driver’s insurance needs. Call a representative at Lisa Broadbent Insurance at (302) 731-0044 and discuss your options.

Your roof is the first line of defense between your home and environmental hazards such as hail, wind and more. It’s an important part of your home and is also very pricey to repair or replace. Because of this, a roof is a very important factor in determining your homeowner insurance rate. Does the type of roof affect home insurance? Where you live is a big factor in your homeowners insurance rate; but roof type, including the shape and material, also plays a part in your home insurance. A roof on the coast is more likely to be damaged by strong winds than a roof in a rural inland community – and a hip-shaped roof made of steel may be less risky to insure than a flat roof made of asphalt. Insurance providers take a lot into account when rating your risk and your roof can affect your coverage. Can I get homeowners insurance with an old roof? If your roof is old, getting standard home insurance coverage may be a little challenging, but don’t despair – there are options. Depending on your situation, your homeowners insurance may be written with actual cash value on the roof, rather than replacement cost. Your agent can show you how to best handle your roof’s insurance coverage situation. Let’s dive deeper into the factors that may determine a roof insurability and how a roof can affect your insurance. Roof factors that can affect your insurance: Roof’s Age Newer roofs typically get a lower rate. The older a roof, the more susceptible it becomes to damage – making it riskier to insure. Some older roofs, usually 20 years or older depending on material, may not even be eligible for homeowners insurance coverage at replacement cost. If you’re looking at an old roof and can’t replace it, talk with your agent about their recommendations. Your policy may be written on an actual cash value instead of replacement cost or your policy may be written with coverage for the roof excluded. Condition of the Roof Even newer roofs may not be in good condition if they have not been cared for properly. It’s your responsibility as a homeowner to fix any missing shingles, repair leaks, etc. to keep your roof in good shape. The condition of your roof may play a part in the insurance rate – so it’s best to keep it in tip top condition. Roof’s Shape The shape of your roof may or may not have an impact on your insurance, depending on your insurance carrier’s needs for their rating. It’s interesting to know that certain roof shapes can withstand windstorms better than others. The 3 main roof shapes are: Hip roof A hip roof is made with an incline on all four sides, so it slopes down. Insurance providers love this because it can take stronger winds than other roof shapes with less likelihood of damage. Because of this, hip roofs usually have lower premiums. Gable roof A gable roof is widely used in today’s homes. It has two slopes on each side but the roof line at the front and back of the house stops at a point. While they don’t typically hold water and debris, they are also susceptible to wind damage. In high-wind storms or during hurricanes, a gable roof is more likely to collapse or lift off the house. Flat roof Having no slope at all, a flat roof may pool water, which can cause damage to the roof in the long run. Material of the Roof Just a quick drive through your neighborhood will show you not all roofs are made the same. The material of the roof can play a part in determining its insurability because some materials are more durable (and more expensive to repair or replace) than others.  Here are some common roof materials: Wood Wood roofs are hard to insure because they are not fireproof unless a fire retardant has been applied. Wood shingles or shakes are typically the least favored by insurance companies and will typically add an additional surcharge to your premium. Metal A metal roof is the most durable and fire resistant of the roof types, making this a fan-favorite with most insurance providers. Asphalt Affordable, durable against most elements, and long-lasting, the asphalt roof is the most used roof material. A con to this popular roofing material is they may decay easier than metal or slate. Slate or Tile Similar to metal, slate or tile roofs are low maintenance and usually hold strong against rotting, insects and debris and fire; however, unlike a metal roof, slate and tile may be more prone to cracking. Can you use home insurance for your roof? If you’re hoping to use your homeowners insurance to get a new roof, you need to know how the coverage works before you get your hopes up. Your homeowners policy will detail the coverage you have for your roof, but typically a homeowners policy will cover repairing or replacing a roof only if the damage was done by a covered peril (such as a fire, hail, windstorm, etc.). If your roof is old and it’s time to get a new one, it’s your responsibility to handle it, and your home insurance will not cover it. Additionally, it’s your duty as a homeowner to take care of the roof and replace any decaying or damaged shingles. Your roof is important. Make sure you have proper coverage by calling Lisa Broadbent Insurance at (302) 731-0044 and discussing your homeowners insurance today!

Your home’s foundation is the support apparatus for the rest of the dwelling’s structure. As a result, it’s easy to assume that your homeowners insurance will cover any damage to the foundation under all circumstances. However, this is not necessarily the case. While, yes, your home insurance will cover foundation damage, it will only do so in qualifying circumstances. All in all, the cause of the damage will be one of the deciding factors in determining whether your home insurance will pay to repair your foundation. What Does Home Insurance Cover? Homeowners insurance is not unlimited coverage for every household maintenance task. It’s only designed to protect you in the face of unexpected, unavoidable accidents in your home. Therefore, regular maintenance costs, like a faulty AC system or leaky roof, will not have coverage under your policy. However, damage done from a sudden hazard like a fire, severe weather or break-in. Where Does Foundation Damage Fit into Your Home Insurance Policy? To figure out if you can file a home insurance claim for foundation damage, you need to figure out what happened to cause the damage. In many cases, foundation cracks or other defects will result from simple wear & tear and terrain shifts that occur over time. Additionally, it’s a regular part of your household maintenance duties to inspect and repair your foundations. Therefore, if your foundation simply needs regular maintenance and typical repairs, your homeowners insurance is unlikely to cover you. However, there are situations where a disaster will damage your foundation, and in these cases, your homeowners insurance will cover the damage. For example, you’ll typically have coverage for: Water damage from a broken pipe or water backup. You would need to carry coverage for the specific type of water damage that caused damage to your foundation. Falling trees or any other objects that impact your foundation. A covered structural collapse that cracks or separates your foundation. Gas explosions and fires. When it comes to coverage for earthquakes and earth movements, you might have to take a few additional steps. You will likely need to add an earthquake insurance endorsement to your home insurance policy or to buy a separate earthquake insurance policy. What if You Need to Move Out for Repairs? Foundation repairs often involve major structural work to your home that could cause you to temporarily have to move out. If your home insurance covers your claim for the repairs, it may also help with any additional living expenses. If you have questions about how to get the appropriate homeowners insurance to protect your foundation, contact one of our agents at Lisa Broadbent Insurance at (302) 731-0044 . We’re committed to helping you always maximize your plan to your advantage.

Data drives the organizations of today’s world. Businesses of all sizes have had a cyber-attack or data breach, with the average cost to rectify rising to $6.5 million per occurrence. One stolen laptop, one careless employee, a virus or even paper records that fall into the wrong hands, can create a financial and reputational consequence affecting your business for years to come. What Does Cyber Liability Insurance Cover? With a comprehensive cyber liability policy, you can feel confident you’re covered in case of data breaches and related issues, including: Data compromise protection to cover employee and customer information if your data should ever be hacked, stolen, corrupted, or subject to procedural errors or internal fraud. Legal cost protection incurred by legal reviews. Forensic services to assist in determining the nature, extent, and perpetrators of an electronic breach. Personal services for any persons affected, which may include help line services, credit monitoring, and case managers for identifying theft victims. Public relations costs paid for firms to review and respond to the potential impact of the data compromise. Costs of legal defense, in an event that the company is sued due to the breach. Identity recovery protection to identity fraud victims and restore their credit history and records. This includes owners, employees, and family members. We can help protect your business against damage to electronic data, virus or malware attack, liability to third parties, and help recover the cost of: Restoring and recreating data to your system. Restoring systems to pre-attack levels. Lost business and unforeseen expenses. Public relations services to communicate with outside parties concerning a computer. attack, as well as your public response. Who Is Cyber Liability Insurance For? Cyber liability coverage is available for any business, small and large, nonprofit organizations, and retailers. You may be able to save on costs by bundling coverage with another policy to create a comprehensive suite of business liability coverages. We can help you assess the risks to your business and get you the protection you need in today’s data-reliant world. Why We're Different While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you. After all, there’s no such thing as a one-size-fits-all insurance policy when it comes to your business. Contact Lisa Broadbent Insurance at (302) 731-0044 today to discuss with us how Cyber Liability Insurance can help you protect what matters most.

It’s spring-cleaning time, and most of us are probably making a list of the essential maintenance tasks that we are eager to undertake in the next few weeks and months. What better time to think about a few things that you can do to make your home safer and more secure as you work to spruce it up? No matter how safe your neighborhood, your home is not immune to damage risks. It’s also not immune to the potential for a thief to break in, and if they do, they could damage the property and steal your belongings. It’s at this time that your homeowners insurance can come in handy. Still, it’s best to minimize theft risks as best you can. Safety Tips for Your Home’s Security The spring is a great time to make home security improvements. As you make security changes, the less vulnerable your home will be. As a result, your risk to your home insurer could drop. Here’s what to do: Consider installing a home security system . Some systems are very comprehensive, and might include doorbell cameras, alarms, internet connectivity and automatic lines to the police. Other systems are simpler, but can provide great protection for the home. Some systems don’t even require experts to install; you can set them up on your own time. Inspect your home’s locks . If you find that locks are weak or have corrosion, then replace them. A broken lock is as good as an open door. Lock technology has advanced considerably in the last few years, and when upgrading locks, you might be able to install keypads, internet-controlled or smart-phone-enabled locks. Increase security around your windows, crawl spaces or basements. Change the locks as needed. Add screens, jammers and other items to limit someone’s ability to open these items. Place automatic lighting around the home. Use timers on certain interior lights, which can come on when no one is at home. This can give the impression to potential predators that someone is home even when they aren’t. Also use motion-sensor lighting outside the home. They can illuminate when something passes them, and alert you to a prowler outside. Keep the home’s exterior in good shape. Upkeep shows that someone lives there, cares about the property and takes security seriously. Thieves might be less likely to break in if they believe someone is home. Get to know your neighbors. If you live near people you trust, they can keep an eye on the property and alert you to potential dangers. Of course, don’t forget to invest in a quality homeowners insurance policy. These policies can help owners repair damage and replace lost property following break-ins. Both dwelling coverage and possessions insurance can be instrumental in helping you when unfortunate break-ins occur.  Contact an agent at Broadbent Insurance (302) 731-0044 today to discuss your homeowners insurance options and allow us to make sure your home and property are safe.