Terms and Conditions
Article 1 - Definitions
For the purposes of these terms and conditions, the following definitions apply:
Supplementary agreement: An agreement in which the consumer acquires products, digital content, and/or services in connection with a distance contract, and these items, digital content, and/or services are delivered by the entrepreneur or a third party based on an arrangement between that third party and the entrepreneur.
Reflection period: The period within which the consumer can exercise their right of withdrawal.
Consumer: The natural person who is not acting for purposes related to their trade, business, craft, or professional activity.
Day: Calendar day.
Digital content: Data produced and delivered in digital form.
Duration agreement: An agreement that extends to the regular delivery of goods, services, and/or digital content for a specified period.
Durable medium: Any instrument, including email, that enables the consumer or entrepreneur to store information addressed personally to them in a way that allows for future consultation or use for a period appropriate to the purpose for which the information is intended, and which allows for the unchanged reproduction of the stored information.
Right of withdrawal: The possibility for the consumer to rescind the distance contract within the reflection period.
Entrepreneur: The natural or legal person who is a member of and offers products, (access to) digital content, and/or services to consumers at a distance.
Distance contract: An agreement concluded between the entrepreneur and the consumer within the framework of an organized system for distance sales of products, digital content, and/or services, whereby up to and including the conclusion of the agreement, one or more techniques for distance communication are used exclusively or partially.
Model withdrawal form: The European model withdrawal form included in Annex I of these terms and conditions. Annex I does not need to be provided if the consumer does not have a right of withdrawal regarding their order.
Technique for distance communication: Means that can be used to conclude an agreement without the consumer and entrepreneur having to be in the same space simultaneously.
1. Colors and product images
We do our utmost to display the colors, materials, and textures of our products as accurately as possible. Please note, however, that colors may vary due to factors such as screen settings, display quality, lighting, photography, the materials used, and the direction of the pile or nap of the fabric (such as velvet). Consequently, no exact color representations can be derived from the displayed images.
2. Natural materials
Our products are manufactured from various fabrics and natural materials. Minor differences in color, structure, weave, and sheen are characteristics of the product and do not constitute a defect.
Article 2 - Identity of the entrepreneur
Name of entrepreneur: Demi Groen
Business address: De Meidoorn 13, 7958 NB Koekange
Email address: info@kotabo.nl
Chamber of Commerce (KvK) number: 94079846
Article 3 - Applicability
These general terms and conditions apply to every offer made by the entrepreneur and to every distance contract concluded between the entrepreneur and the consumer.
Before the distance contract is concluded, the text of these general terms and conditions is made available to the consumer. If this is not reasonably possible, the entrepreneur will indicate, before the distance contract is concluded, how the general terms and conditions can be viewed at the entrepreneur's premises and that they will be sent free of charge as soon as possible at the consumer's request.
If the distance contract is concluded electronically, then, contrary to the previous paragraph, the text of these general terms and conditions may be made available to the consumer by electronic means in such a way that it can be easily stored by the consumer on a durable medium. If this is not reasonably possible, it will be indicated before the distance contract is concluded where the general terms and conditions can be viewed electronically and that they will be sent free of charge by electronic or other means at the consumer's request.
In the event that specific product or service conditions apply in addition to these general terms and conditions, the second and third paragraphs shall apply mutatis mutandis. In case of conflicting conditions, the consumer may always invoke the provision that is most favorable to them.
Article 4 - The offer of Kotabo
If an offer has a limited period of validity or is made under certain conditions, this will be explicitly stated in the offer.
The offer contains a complete and accurate description of the products, digital content, and/or services offered. The description is sufficiently detailed to enable the consumer to properly assess the offer. If the entrepreneur uses images, these are a true representation of the products, services, and/or digital content offered. Obvious mistakes or errors in the offer do not bind the entrepreneur.
Every offer contains sufficient information so that it is clear to the consumer what rights and obligations are attached to the acceptance of the offer.
Colors and product images
We do our utmost to display the colors, materials, and textures of our products as accurately as possible. Please note, however, that colors may vary due to factors such as screen settings, display quality, lighting, photography, the materials used, and the direction of the pile or nap of the fabric (such as velvet). Consequently, no exact color representations can be derived from the displayed images.
Our products are manufactured from various fabrics and natural materials. Minor differences in color, structure, weave, and sheen are characteristics of the product and do not constitute a defect.
Article 5 - The agreement
Subject to the provisions of paragraph 4, the agreement is concluded at the moment of the consumer's acceptance of the offer and compliance with the associated conditions.
If the consumer has accepted the offer electronically, the entrepreneur will immediately confirm receipt of the acceptance of the offer electronically. As long as receipt of this acceptance has not been confirmed by the entrepreneur, the consumer may rescind the agreement.
If the agreement is concluded electronically, the entrepreneur will take appropriate technical and organizational measures to secure the electronic transfer of data and ensure a secure web environment. If the consumer can pay electronically, the entrepreneur will observe appropriate security measures.
Within legal frameworks, the entrepreneur may inform themselves whether the consumer can meet their payment obligations, as well as all facts and factors that are important for a responsible conclusion of the distance contract. If, on the basis of this investigation, the entrepreneur has sound reasons for not entering into the agreement, they are entitled to refuse an order or request or to attach special conditions to the execution, providing reasons for doing so.
At the latest upon delivery of the product, service, or digital content, the entrepreneur will send the following information to the consumer, in writing or in a way that can be stored by the consumer in an accessible manner on a durable medium:
The visiting address of the entrepreneur's establishment where the consumer can lodge complaints;
The conditions under which and the manner in which the consumer can exercise the right of withdrawal, or a clear notification regarding the exclusion of the right of withdrawal;
Information about warranties and existing after-sales service;
The price, including all taxes, of the product, service, or digital content; where applicable, the costs of delivery; and the method of payment, delivery, or performance of the distance contract;
The requirements for canceling the agreement if the agreement has a duration of more than one year or is of indefinite duration;
If the consumer has a right of withdrawal, the model withdrawal form.
In the case of a duration transaction, the provision in the previous paragraph applies only to the first delivery.
Article 6 - Right of withdrawal
For products:
The consumer may rescind an agreement regarding the purchase of a product during a reflection period of at least 14 days without giving any reason. The entrepreneur may ask the consumer about the reason for withdrawal, but may not oblige the consumer to state their reason(s).
The reflection period referred to in paragraph 1 commences on the day after the consumer, or a third party designated by the consumer in advance, who is not the carrier, has received the product, or:
if the consumer has ordered multiple products in the same order: the day on which the consumer, or a third party designated by them, has received the last product. Provided they have clearly informed the consumer about this prior to the ordering process, the entrepreneur may refuse an order for multiple products with a different delivery time.
if the delivery of a product consists of several shipments or parts: the day on which the consumer, or a third party designated by them, has received the last shipment or the last part;
for agreements for the regular delivery of products during a certain period: the day on which the consumer, or a third party designated by them, has received the first product.
For services and digital content not delivered on a tangible medium:
The consumer may rescind a service agreement and an agreement for the supply of digital content not delivered on a tangible medium for at least 14 days without giving any reason. The entrepreneur may ask the consumer about the reason for withdrawal, but may not oblige the consumer to state their reason(s).
The reflection period referred to in paragraph 3 commences on the day following the conclusion of the agreement.
Extended reflection period for products, services, and digital content not delivered on a tangible medium in case of failure to inform about the right of withdrawal:
If the entrepreneur has not provided the consumer with the legally required information about the right of withdrawal or the model withdrawal form, the reflection period expires twelve months after the end of the original reflection period established in accordance with the previous paragraphs of this article.
If the entrepreneur has provided the information referred to in the preceding paragraph to the consumer within twelve months after the commencement date of the original reflection period, the reflection period expires 14 days after the day on which the consumer received that information.
Article 6 - Right of withdrawal
For products:
The consumer may rescind an agreement regarding the purchase of a product during a reflection period of at least 14 days without giving any reason. The entrepreneur may ask the consumer about the reason for withdrawal, but may not oblige the consumer to state their reason(s).
The reflection period as referred to in paragraph 1 commences on the day after the consumer, or a third party designated by the consumer in advance who is not the carrier, has received the product, or:
If the consumer has ordered multiple products in the same order: the day on which the consumer, or a third party designated by them, has received the last product. Provided they have clearly informed the consumer about this prior to the ordering process, the entrepreneur may refuse an order for multiple products with a different delivery time.
If the delivery of a product consists of several shipments or parts: the day on which the consumer, or a third party designated by them, has received the last shipment or the last part;
For agreements for the regular delivery of products during a certain period: the day on which the consumer, or a third party designated by them, has received the first product.
For services and digital content not delivered on a tangible medium:
The consumer may rescind a service agreement and an agreement for the supply of digital content not delivered on a tangible medium for at least 14 days without giving any reason. The entrepreneur may ask the consumer about the reason for withdrawal, but may not oblige the consumer to state their reason(s).
The reflection period as referred to in paragraph 3 commences on the day following the conclusion of the agreement.
Extended reflection period for products, services, and digital content not delivered on a tangible medium in case of failure to inform about the right of withdrawal:
If the entrepreneur has not provided the consumer with the legally required information about the right of withdrawal or the model withdrawal form, the reflection period expires twelve months after the end of the original reflection period established in accordance with the previous paragraphs of this article.
If the entrepreneur has provided the information referred to in the preceding paragraph to the consumer within twelve months after the commencement date of the original reflection period, the reflection period expires 14 days after the day on which the consumer received that information.
Article 7 - Obligations of the consumer during the reflection period
During the reflection period, the consumer must handle the product and the packaging with care. They may only unpack or use the product to the extent necessary to establish the nature, characteristics, and functioning of the product. The principle here is that the consumer may handle and inspect the product as they would be allowed to do in a physical shop.
The consumer is only liable for any depreciation of the product resulting from handling the product in a way that goes beyond what is permitted in paragraph 1.
If the entrepreneur has not provided the consumer with all legally required information about the right of withdrawal before or at the time of concluding the agreement, the consumer is not liable for depreciation of the product.
Article 8 - Exercise of the right of withdrawal by the consumer and costs thereof
If the consumer exercises their right of withdrawal, they must report this to the entrepreneur within the reflection period, either by means of the model withdrawal form or in another clear manner.
The consumer shall return the product as soon as possible, but at the latest within 14 days after the notification as referred to in paragraph 1, unless the entrepreneur has offered to collect the product themselves. The consumer has adhered to the return period if they send back the product before the reflection period has expired.
The product must be returned with all delivered accessories, if reasonably possible in its original condition and packaging, and in accordance with the reasonable and clear instructions provided by the entrepreneur.
The risk and the burden of proof for the correct and timely exercise of the right of withdrawal lie with the consumer.
The consumer bears the direct costs of returning the product. If the entrepreneur has not indicated that the consumer must bear these costs or if the entrepreneur has indicated that they will bear these costs themselves, the consumer does not have to bear the costs for return shipping.
If the consumer withdraws after having explicitly requested that the performance of the service or the delivery of gas, water, or electricity not ready for sale begins during the reflection period, the consumer owes the entrepreneur an amount proportional to the part of the performance that has been carried out at the time of withdrawal, compared to the full fulfillment of the obligation.
The consumer bears no costs for the performance of services or the delivery of water, gas, or electricity not ready for sale, or for the delivery of district heating, if:
The entrepreneur has not provided the consumer with the legally required information about the right of withdrawal, the cost reimbursement upon withdrawal, or the model withdrawal form; or
The consumer has not explicitly requested the commencement of the performance of the service or delivery of gas, water, electricity, or district heating during the reflection period.
The consumer bears no costs for the full or partial delivery of digital content not delivered on a tangible medium, if:
They have not explicitly agreed to the commencement of the performance of the agreement before the end of the reflection period prior to delivery;
They have not acknowledged losing their right of withdrawal when granting their consent; or
The entrepreneur has failed to confirm this statement from the consumer.
If the consumer exercises their right of withdrawal, all supplementary agreements are automatically rescinded.
Article 9 - Obligations of the entrepreneur in case of withdrawal
If the entrepreneur allows the consumer to report withdrawal electronically, they must send a receipt confirmation immediately upon receiving this notification.
The entrepreneur will reimburse all payments from the consumer, including any delivery costs charged by the entrepreneur for the returned product, immediately but no later than 14 days after the day on which the consumer reports the withdrawal. Unless the entrepreneur has offered to collect the product themselves, they may wait with reimbursement until they have received the product or until the consumer demonstrates that they have sent the product back, whichever event occurs first.
The entrepreneur will use the same means of payment that the consumer used for the reimbursement, unless the consumer agrees to another method. The reimbursement is free of charge for the consumer.
If the consumer has opted for a more expensive method of delivery than the cheapest standard delivery, the entrepreneur is not obliged to reimburse the additional costs for the more expensive method.
For Germany, Belgium, and France, a restocking fee of 9.99 euros applies.
Article 10 - Exclusion of the right of withdrawal
The entrepreneur may exclude the following products and services from the right of withdrawal, but only if the entrepreneur has clearly stated this in the offer, at least in good time before the conclusion of the contract:
Products or services whose price is dependent on fluctuations in the financial market which the entrepreneur cannot influence and which may occur within the withdrawal period;
Contracts concluded during a public auction. A public auction is defined as a sales method where products, digital content and/or services are offered by the entrepreneur to the consumer who is personally present or is given the opportunity to be personally present at the auction, under the direction of an auctioneer, and where the successful bidder is obliged to purchase the products, digital content and/or services;
Service contracts, after full performance of the service, but only if:
performance has begun with the consumer's express prior consent; and
the consumer has declared that he loses his right of withdrawal once the entrepreneur has fully performed the contract;
Package travel as referred to in Article 7:500 of the Dutch Civil Code and passenger transport contracts;
Service contracts for the provision of accommodation, if a specific date or period of performance is provided for in the contract and other than for residential purposes, transport of goods, car rental services, and catering;
Contracts relating to leisure activities, if a specific date or period of performance thereof is provided for in the contract;
Products manufactured according to the consumer’s specifications, which are not prefabricated and are manufactured on the basis of an individual choice or decision of the consumer, or which are clearly intended for a specific person;
Products that deteriorate rapidly or have a limited shelf life;
Sealed products that are not suitable for return for reasons of health protection or hygiene and whose seal has been broken after delivery;
Products that by their nature are irrevocably mixed with other products after delivery;
Sealed audio and video recordings and computer software, the seal of which has been broken after delivery;
Newspapers, periodicals, or magazines, with the exception of subscriptions thereto;
The delivery of digital content other than on a tangible medium, but only if:
performance has begun with the consumer's express prior consent; and
the consumer has declared that he thereby loses his right of withdrawal.
Article 11 - The price
During the validity period stated in the offer, the prices of the products and/or services offered will not be increased, except for price changes resulting from changes in VAT rates.
Contrary to the previous paragraph, the entrepreneur may offer products or services whose prices are subject to fluctuations in the financial market and which the entrepreneur cannot influence, with variable prices. This dependence on fluctuations and the fact that any prices stated are target prices will be mentioned with the offer.
Price increases within 3 months after the conclusion of the contract are only permitted if they are the result of statutory regulations or provisions.
Price increases from 3 months after the conclusion of the contract are only permitted if the entrepreneur has stipulated this and:
they are the result of statutory regulations or provisions; or
the consumer has the power to terminate the contract with effect from the day the price increase takes effect.
The prices mentioned in the offer of products or services include VAT.
Article 12 - Performance of the contract and extra warranty
The entrepreneur guarantees that the products and/or services comply with the contract, the specifications stated in the offer, the reasonable requirements of reliability and/or usability, and the statutory provisions and/or government regulations existing on the date the contract was concluded. If agreed, the entrepreneur also guarantees that the product is suitable for other than normal use.
An extra warranty provided by the entrepreneur, its supplier, manufacturer, or importer never limits the legal rights and claims that the consumer can assert against the entrepreneur on the basis of the contract if the entrepreneur has failed to fulfill its part of the contract.
Extra warranty is understood to mean any commitment of the entrepreneur, its supplier, importer, or producer in which it grants the consumer certain rights or claims that go beyond what it is legally obliged to do in the event that it has failed to fulfill its part of the contract.
Article 13 - Delivery and execution
The entrepreneur will exercise the greatest possible care when receiving and executing orders for products and when assessing applications for the provision of services.
The place of delivery is the address that the consumer has made known to the entrepreneur.
With due observance of what is stated in Article 4 of these general terms and conditions, the entrepreneur will execute accepted orders with efficient speed but at the latest within 30 days, unless a different delivery period has been agreed. If delivery is delayed, or if an order cannot be executed or can only be partially executed, the consumer will be notified of this no later than 30 days after placing the order. In that case, the consumer has the right to dissolve the contract without costs and is entitled to possible compensation.
After dissolution in accordance with the previous paragraph, the entrepreneur will immediately refund the amount that the consumer has paid.
The risk of damage and/or loss of products rests with the entrepreneur until the moment of delivery to the consumer or a representative previously designated and made known to the entrepreneur, unless otherwise explicitly agreed.
Article 14 - Duration transactions: duration, termination, and renewal
Termination:
The consumer may at any time terminate a contract that has been entered into for an indefinite period and which extends to the regular delivery of products (including electricity) or services, taking into account agreed termination rules and a notice period of no more than one month.
The consumer may at any time terminate a contract that has been entered into for a definite period and which extends to the regular delivery of products (including electricity) or services, by the end of the definite period, taking into account agreed termination rules and a notice period of no more than one month.
The consumer may terminate the contracts mentioned in the previous paragraphs:
at any time and not be limited to termination at a specific time or in a specific period;
at least in the same way as they were entered into by him;
always terminate with the same notice period as the entrepreneur has stipulated for himself.
Renewal:
A contract that has been entered into for a definite period and which extends to the regular delivery of products (including electricity) or services may not be tacitly extended or renewed for a definite period.
Contrary to the previous paragraph, a contract that has been entered into for a definite period and which extends to the regular delivery of daily, news, and weekly newspapers and magazines may be tacitly extended for a definite period of a maximum of three months, if the consumer can terminate this extended contract by the end of the extension with a notice period of no more than one month.
A contract that has been entered into for a definite period and which extends to the regular delivery of products or services may only be tacitly extended for an indefinite period if the consumer may at any time terminate with a notice period of no more than one month. The notice period is no more than three months in the event that the contract extends to the regular, but less than once a month, delivery of daily, news, and weekly newspapers and magazines.
A contract with a limited duration for the regular delivery of daily, news, and weekly newspapers and magazines (trial or introductory subscription) is not tacitly continued and ends automatically after the end of the trial or introductory period.
Duration:
If a contract has a duration of more than one year, the consumer may after one year terminate the contract at any time with a notice period of no more than one month, unless reasonableness and fairness oppose termination before the end of the agreed duration.
Article 15 - Payment
Unless otherwise provided in the contract or additional terms and conditions, the amounts owed by the consumer must be paid within 14 days after the start of the cooling-off period, or in the absence of a cooling-off period within 14 days after the conclusion of the contract. In the case of a contract for the provision of a service, this period starts on the day after the consumer has received confirmation of the contract.
When selling products to consumers, the consumer may in general terms and conditions never be obliged to pay more than 50% in advance. When advance payment is stipulated, the consumer cannot assert any right regarding the execution of the order or service(s) in question before the stipulated advance payment has taken place.
The consumer has the duty to immediately report inaccuracies in provided or stated payment data to the entrepreneur.
If the consumer does not fulfill his payment obligation(s) in time, he is, after having been pointed out by the entrepreneur of the late payment and the entrepreneur has granted the consumer a period of 14 days to still fulfill his payment obligations, after failure to pay within this 14-day period, due to owe the statutory interest on the amount still owed and the entrepreneur is entitled to charge the extrajudicial collection costs incurred by him. These collection costs amount to a maximum of: 15% on outstanding amounts up to € 2,500; 10% on the following € 2,500 and 5% on the next € 5,000 with a minimum of € 40. The entrepreneur may deviate from the aforementioned amounts and percentages to the advantage of the consumer.
Article 16 - Complaints procedure
The entrepreneur has a sufficiently publicized complaints procedure and handles the complaint in accordance with this complaints procedure.
Complaints about the execution of the contract must be submitted to the entrepreneur fully and clearly described within a reasonable time after the consumer has discovered the defects.
Complaints submitted to the entrepreneur will be answered within a period of 14 days from the date of receipt. If a complaint requires a foreseeably longer processing time, the entrepreneur will answer within the period of 14 days with an acknowledgment of receipt and an indication of when the consumer can expect a more detailed answer.
A complaint about a product, service, or the service of the entrepreneur can also be submitted via a complaint form on the consumer page of the website of . The complaint will then be sent both to the entrepreneur in question and to .
The consumer must give the entrepreneur at least 4 weeks to resolve the complaint by mutual agreement. After this period, a dispute arises that is subject to the dispute resolution procedure.
Article 17 - Disputes
Contracts between the entrepreneur and the consumer to which these general terms and conditions apply are exclusively governed by Dutch law. If the entrepreneur directs its activities to the country where the consumer resides, the consumer can also always rely on the mandatory consumer law of his country.
Disputes between the consumer and the entrepreneur about the conclusion or execution of contracts relating to products and services to be delivered or delivered by this entrepreneur can, with due observance of the following, be submitted by both the consumer and the entrepreneur to the Geschillencommissie Thuiswinkel, P.O. Box 90600, 2509 LP The Hague ().
A dispute will only be handled by the Disputes Committee if the consumer has first submitted his complaint to the entrepreneur within a reasonable time.
If the complaint does not lead to a solution, the dispute must be submitted to the Disputes Committee in writing or in another form to be determined by the Committee no later than 12 months after the date on which the consumer submitted the complaint to the entrepreneur.
When the consumer wishes to submit a dispute to the Disputes Committee, the entrepreneur is bound by this choice. Preferably, the consumer reports this to the entrepreneur first.
When the entrepreneur wishes to submit a dispute to the Disputes Committee, the consumer will have to state within five weeks after a written request made by the entrepreneur whether he also wishes so or whether he wants the dispute to be handled by the competent court. If the entrepreneur does not hear the choice of the consumer within the five-week period, the entrepreneur is entitled to submit the dispute to the competent court.
The Disputes Committee makes a ruling under the conditions as established in the regulations of the Disputes Committee (). The decisions of the Disputes Committee are by way of binding advice.
The Disputes Committee will not handle a dispute or will stop the handling if the entrepreneur has been granted a moratorium on payments, has gone bankrupt, or has actually terminated his business activities, before a dispute has been handled by the committee at the hearing and a final ruling has been issued.
If, in addition to the Geschillencommissie Thuiswinkel, another recognized or affiliated disputes committee with the Stichting Geschillencommissies voor Consumentenzaken (SGC) or the Klachteninstituut Financiële Dienstverlening (Kifid) is competent, the Geschillencommissie Thuiswinkel is preferably competent for disputes regarding mainly the method of distance selling or service provision. For all other disputes, the other recognized disputes committee affiliated with SGC or Kifid.
Article 18 - Industry guarantee
org guarantees the fulfillment of the binding advice of the Geschillencommissie Thuiswinkel by its members, unless the member decides to submit the binding advice to the court for review within two months after it has been sent. This guarantee revives if the binding advice has remained in force after review by the court and the judgment from which this appears has become res judicata. Up to a maximum amount of €10,000 per binding advice, this amount is paid out to the consumer by . For amounts greater than €10,000 per binding advice, €10,000 is paid out. For the excess, has an obligation of effort to ensure that the member complies with the binding advice.
For the application of this guarantee, it is required that the consumer makes a written appeal to and that he transfers his claim against the entrepreneur to . If the claim against the entrepreneur amounts to more than €10,000, the consumer is offered to transfer his claim insofar as it exceeds the amount of €10,000 to , after which this organization will, in its own name and at its own expense, request payment thereof in court for the satisfaction of the consumer.
Article 19 - Additional or different provisions
Additional or deviating provisions from these general terms and conditions may not be to the detriment of the consumer and must be recorded in writing or in such a way that they can be stored by the consumer in an accessible manner on a durable data carrier.
Article 20 - Amendment of the General Terms and Conditions Thuiswinkel
org will not amend these general terms and conditions other than in consultation with the ConsuWijzer/Consumers' Association.
Amendments to these terms and conditions are only effective after they have been published in an appropriate manner, on the understanding that in the case of applicable amendments during the term of an offer, the provision most favorable to the consumer will prevail.
Horaplantsoen 20, 6717 LT Ede
P.O. Box 7001, 6710 CB Ede
Article 22 - Damage caused by products
Kotabo is not liable for consequential damage to objects on which or in which the purchased items are placed or laid. The use of our products must take place according to the (any) supplied instructions and warnings. Any damage resulting from (improper) use or misuse of our products does not fall under our liability. This also includes leakage of a bottle or packaging that may occur; it is at all times important to carefully inspect products before they are used or placed. We recommend taking precautions, such as the use of coasters or protective materials, to prevent damage to surfaces.
Updated on 07-09-2026
