2009 Q2/Swiss Banks
INDEX Facts
- Completed date:
16 Jun 2009
- Total URLs tested:
80,487
- Total tests run:
26,270,829
- Total number of PDF's:
4,329
- URLs failing functional tests:
2.06%
- Pages failing code standards:
84.73%
- Pages missing a title:
3.49%
- Pages failing accessibility level A:
58.22%
- Pages failing accessibility level AA:
99.33%
- Poorest code quality:
Union Bancaire Privée, UBP (http://www.ubp.ch/) - 315,489 failures
- Fastest average response time:
Rothschild Bank AG (http://www.rothschildbank.ch/)
Accessibility and Performance rankings
This table reports the average response time we recorded when testing each site. A response time above 0.7 seconds can have a negative effect on user experience.
This table reports the percentage of pages on the sites we tested that passed automated WCAG 1.0 A and AA testing (0 means every page had an issue).
Organisation | Avg. Response | Download (kB/s) |
---|---|---|
Only available for Qtr 4 2010 onwards |
Organisation | A | AA |
---|---|---|
Banque Bauer (Suisse) SA | 100.00 | 62.96 |
Dominick Company AG | 100.00 | 31.58 |
Sparkasse Schwyz | 100.00 | 11.20 |
BANCA GESFID | 100.00 | 3.28 |
Commerzbank AG | 100.00 | 1.60 |
Credit Suisse | 100.00 | 0.80 |
AP ANLAGE & PRIVATBANK AG | 100.00 | 0.00 |
Arzi Bank AG | 100.00 | 0.00 |
BGG, Banque Genevoise de Gestion | 100.00 | 0.00 |
BZ Bank Aktiengesellschaft | 100.00 | 0.00 |
Bank Frey & Co. AG | 100.00 | 0.00 |
Bank Zweiplus ag | 100.00 | 0.00 |
Bank aek Genossenschaft | 100.00 | 0.00 |
Banque Cantonale Vaudoise | 100.00 | 0.00 |
Banque Cramer & Cie SA | 100.00 | 0.00 |
Banque Piguet & Cie SA | 100.00 | 0.00 |
Burgerliche Ersparniskasse Bern | 100.00 | 0.00 |
Centrum Bank AG | 100.00 | 0.00 |
Dresdner Bank (Schweiz) AG | 100.00 | 0.00 |
Gonet & Cie | 100.00 | 0.00 |
ING Bank (Suisse) SA | 100.00 | 0.00 |
J&T Bank Schweiz AG | 100.00 | 0.00 |
La Roche & Co Banquiers | 100.00 | 0.00 |
P&P Private Bank AG | 100.00 | 0.00 |
PostFinance | 100.00 | 0.00 |
Privatbank IHAG Zürich AG | 100.00 | 0.00 |
Private Client Bank | 100.00 | 0.00 |
Regiobank Solothurn AG | 100.00 | 0.00 |
Rosbank (Switzerland) SA | 100.00 | 0.00 |
Rothschild Bank AG | 100.00 | 0.00 |
Russische Kommerzial Bank AG | 100.00 | 0.00 |
SG Private Banking (Suisse) SA | 100.00 | 0.00 |
Schaffhauser Kantonalbank | 100.00 | 0.00 |
Schwyzer Kantonalbank | 100.00 | 0.00 |
Sydbank (Schweiz) AG | 100.00 | 0.00 |
VP Bank (Schweiz) AG | 100.00 | 0.00 |
Valiant | 100.00 | 0.00 |
Bank Sal. Oppenheim jr. & Cie. (Schweiz) AG | 99.20 | 0.00 |
Pictet et Cie | 99.20 | 0.00 |
Basler Kantonalbank | 98.40 | 0.00 |
Bernerland Bank AG | 98.40 | 0.00 |
Falcon Private Bank | 98.40 | 0.00 |
Lombard, Odier, Darier, Hentsch & Cie | 98.40 | 0.00 |
St. Galler Kantonalbank | 98.40 | 0.00 |
MediBank | 98.36 | 0.00 |
Goldman Sachs Bank AG | 97.60 | 0.00 |
Liechtensteinische Landesbank (Schweiz) AG | 97.60 | 0.00 |
Bank-now AG | 97.44 | 0.00 |
Bank Thur | 96.80 | 0.00 |
Biene - Bank im Rheintal Genossenschaft | 96.80 | 0.00 |
Hyposwiss Private Bank | 96.80 | 0.00 |
Banque Cantonale de Genève | 96.00 | 0.00 |
Basellandschaftliche Kantonalbank | 96.00 | 0.00 |
Clientis AG | 96.00 | 0.00 |
Anker Bank | 95.20 | 0.00 |
Banque SCS Alliance SA | 94.00 | 0.00 |
Adler & Co. Privatbank AG | 93.75 | 0.00 |
Crédit Agricole Financements (Suisse) SA | 93.60 | 0.00 |
Nomura Bank (Schweiz) AG | 93.60 | 0.00 |
Hottinger & Compagnie | 92.80 | 11.20 |
MeesPierson Private Bank | 92.00 | 0.00 |
NZB Neue Zürcher Bank AG | 92.00 | 0.00 |
AEK BANK 1826 | 91.67 | 0.00 |
Ersparniskasse Speicher | 91.67 | 0.00 |
Glarner Kantonalbank | 91.20 | 0.00 |
Leihkasse Stammheim | 91.20 | 0.00 |
LGT Bank (Schweiz) AG | 90.40 | 5.60 |
Zürcher Kantonalbank | 90.40 | 0.00 |
Bank EEK AG | 89.60 | 0.00 |
Deutsche Bank Private Wealth Management (Suisse) SA | 89.60 | 0.00 |
Mitsubishi UFJ Wealth Management Bank | 89.60 | 0.00 |
Bezirkssparkasse Uster | 88.80 | 0.00 |
E. Gutzwiller & Cie. Banquiers | 88.51 | 0.00 |
Bank Leumi (Schweiz) AG | 88.00 | 0.00 |
Banque Cantonale Neuchâteloise | 88.00 | 0.00 |
Alternative Bank ABS | 87.20 | 6.40 |
Entris Banking AG | 87.20 | 0.00 |
Bank Sarasin & Cie AG | 86.40 | 0.00 |
Nordea Bank S.A., Luxemburg | 85.60 | 0.00 |
Zurich Switzerland | 82.40 | 4.00 |
Bank Coop AG | 82.40 | 0.00 |
Schroder & Co Bank AG | 81.48 | 0.00 |
Valartis Bank AG | 80.00 | 0.00 |
Deka(Swiss) Privatbank AG | 79.31 | 0.00 |
Migros Bank | 78.40 | 0.00 |
Standard Chartered Bank (Switzerland) SA | 76.80 | 0.80 |
Banque Safdié SA | 76.32 | 0.00 |
SIX SIS AG | 76.00 | 0.00 |
HSBC Private Bank (Suisse) SA | 73.60 | 0.00 |
Bank am Bellevue | 72.80 | 0.00 |
BIPIELLE Bank (Suisse) | 72.73 | 0.00 |
Bantleon Bank AG | 67.20 | 0.00 |
Banca Privata Edmond de Rothschild Lugano SA | 62.50 | 0.00 |
Baloise Bank SoBa | 62.40 | 0.00 |
Banca dello Stato del Cantone Ticino | 60.80 | 0.00 |
Union Bancaire Privée, UBP | 56.80 | 0.00 |
Banque Cantonale de Fribourg | 56.00 | 0.00 |
Petercam Private Bank | 54.40 | 0.00 |
UBS | 53.60 | 0.00 |
BBVA (Suiza) SA | 52.94 | 0.00 |
Habib Bank AG Zurich | 50.40 | 0.80 |
GE Money Bank | 50.40 | 0.00 |
Mizuho Bank (Schweiz) AG | 50.00 | 0.00 |
Banque Privée Edmond de Rothschild SA | 47.62 | 0.00 |
VZ Depotbank AG | 45.45 | 4.55 |
Ersparniskasse Rüeggisberg | 45.28 | 0.00 |
Spar + Leihkasse Gürbetal | 34.26 | 0.00 |
AXA Banque [France] | 32.80 | 0.00 |
M. M. Warburg Bank (Schweiz) AG | 31.11 | 0.00 |
American Express Bank (Switzerland) SA | 25.60 | 0.00 |
Royal Bank of Canada (Suisse) | 25.60 | 0.00 |
Spar- und Leihkasse Frutigen | 24.80 | 0.00 |
Svenska Handelsbanken SA, | 20.97 | 0.00 |
Neue Bank AG | 20.80 | 0.00 |
Banque Thaler SA | 20.00 | 0.00 |
Hypo Landesbank Vorarlberg | 20.00 | 0.00 |
Cornèr Banca SA | 18.40 | 0.00 |
Raiffeisen Banken Gruppe | 18.40 | 0.00 |
Banque Du Bois AG | 18.18 | 0.00 |
Lienhardt & Partner Privatbank Zürich AG | 16.07 | 14.29 |
BHF-BANK (Schweiz) AG | 15.20 | 0.00 |
Bank Julius Bär & Co. AG | 14.40 | 0.00 |
C.I.M. Banque | 13.60 | 0.00 |
Dexia Privatbank (Schweiz) AG | 13.33 | 11.11 |
Bank Thalwil | 12.80 | 0.00 |
JPMorgan Chase Bank, Zurich | 12.00 | 0.00 |
BNP Paribas (Suisse) SA | 11.20 | 0.00 |
Urner Kantonalbank | 11.20 | 0.00 |
Vorarlberger Landes | 11.20 | 0.00 |
Fortis Banque (Suisse) S.A. | 10.71 | 0.00 |
Maerki Baumann & Co AG | 10.53 | 0.00 |
Merrill Lynch Bank (Suisse) SA | 10.00 | 0.00 |
Alpha RHEINTAL Bank AG | 9.60 | 0.00 |
BANCA ARNER SA | 8.00 | 0.00 |
Bank Linth LLB AG | 8.00 | 0.00 |
Bearbull Degroof Banque Privée SA | 7.20 | 0.80 |
BSI SA | 7.20 | 0.00 |
Banque de Commerce et de Placements SA | 6.78 | 0.00 |
Spar + Leihkasse Steffisburg | 6.40 | 0.80 |
Ersparniskasse Affoltern i.E. AG | 6.40 | 0.00 |
Neue Aargauer Bank | 6.40 | 0.00 |
Bank Sparhafen Zürich AG | 5.60 | 0.00 |
Volksbank Bodensee AG | 5.41 | 0.00 |
Sparkasse Trogen | 5.26 | 0.00 |
Spar- und Leihkasse Riggisberg | 5.17 | 0.00 |
Bezirks-Sparkasse Dielsdorf | 5.04 | 0.00 |
Bank CA St. Gallen AG | 4.80 | 4.80 |
Banque de Dépôts et de Gestion | 4.80 | 0.00 |
Obwaldner Kantonalbank | 4.80 | 0.00 |
Bank Morgan Stanley AG | 4.00 | 0.00 |
Spar- und Leihkasse Bucheggberg AG | 3.33 | 0.00 |
Banque Audi (Suisse) SA | 3.23 | 0.00 |
Israel Discount Bank (Switzerland) SA | 3.20 | 1.60 |
Baumann & Cie. | 3.20 | 0.00 |
Merrill Lynch Capital Markets AG | 3.20 | 0.00 |
Société Générale, Succursale de Zurich | 3.20 | 0.00 |
Swissquote Bank | 3.20 | 0.00 |
BankMed (Suisse) SA | 2.44 | 0.00 |
Bank CIC (Schweiz) AG | 2.40 | 0.00 |
Berner Kantonalbank AG | 2.40 | 0.00 |
Nidwaldner Kantonalbank | 2.40 | 0.00 |
Unicredit Group | 2.40 | 0.00 |
ZLB Zürcher Landbank | 2.40 | 0.00 |
Bank Hugo Kahn & Co. AG | 2.00 | 0.00 |
Bank in Zuzwil | 1.60 | 0.00 |
Luzerner Kantonalbank AG | 1.60 | 0.00 |
NPB Neue Privat Bank AG | 1.60 | 0.00 |
Société Générale | 1.60 | 0.00 |
Thurgauer Kantonalbank | 1.60 | 0.00 |
Skandifinanz Bank AG | 1.30 | 0.00 |
Caisse d'Epargne Riviera | 1.25 | 0.00 |
Banca Commerciale Lugano | 1.10 | 0.00 |
Credit Europe Bank (Suisse) SA | 1.03 | 0.00 |
FAISAL PRIVATE BANK (Switzerland) SA | 0.94 | 0.00 |
Graubündner Kantonalbank | 0.80 | 1.60 |
Aabar Investments PJSC | 0.80 | 0.00 |
Banque Cantonale du Valais | 0.80 | 0.00 |
Banque Franck, Galland & Cie SA | 0.80 | 0.00 |
DZ PRIVATBANK (Schweiz) AG | 0.80 | 0.00 |
Lloyds TSB Bank plc. | 0.80 | 0.00 |
Mirabaud & Cie | 0.80 | 0.00 |
RBC Dexia | 0.80 | 0.00 |
LBBW (Schweiz) AG | 0.00 | 33.33 |
Privatbank Bellerive AG | 0.00 | 26.67 |
AAM Privatbank AG | 0.00 | 0.00 |
ABN Amro Bank (Schweiz) | 0.00 | 0.00 |
AKB Privatbank Zürich AG | 0.00 | 0.00 |
ARVEST Privatbank AG | 0.00 | 0.00 |
Aargauische Kantonalbank | 0.00 | 0.00 |
Appenzeller Kantonalbank | 0.00 | 0.00 |
Arab Bank (Switzerland) | 0.00 | 0.00 |
Atlantic Vermögensverwaltungsbank | 0.00 | 0.00 |
BANCA CREDINVEST SA | 0.00 | 0.00 |
BANCA ZARATTINI & CO. SA | 0.00 | 0.00 |
BANQUE HERITAGE | 0.00 | 0.00 |
BANQUE MORVAL | 0.00 | 0.00 |
BBO Bank Brienz Oberhasli AG | 0.00 | 0.00 |
BERENBERG BANK (SCHWEIZ) AG | 0.00 | 0.00 |
BLOM BANK (Switzerland) SA | 0.00 | 0.00 |
Banca Intermobiliare di Investimenti | 0.00 | 0.00 |
Banca Popolare di Sondrio (Suisse) SA | 0.00 | 0.00 |
Banca del Sempione | 0.00 | 0.00 |
Bank EKI Genossenschaft | 0.00 | 0.00 |
Bank Vontobel AG | 0.00 | 0.00 |
Bankhaus Jungholz | 0.00 | 0.00 |
Banque Algérienne du Commerce Extérieur SA | 0.00 | 0.00 |
Banque Bonhôte & Cie SA | 0.00 | 0.00 |
Banque Cantonale du Jura | 0.00 | 0.00 |
Banque Jacob Safra (Suisse) SA | 0.00 | 0.00 |
Banque Pasche SA | 0.00 | 0.00 |
Banque Privée Espirito Santo SA | 0.00 | 0.00 |
Banque Syz & Co SA | 0.00 | 0.00 |
Bordier & Cie | 0.00 | 0.00 |
Caisse d'Epargne d'Aubonne | 0.00 | 0.00 |
Caisse d'Epargne de Cossonay société coopérative | 0.00 | 0.00 |
Caisse d'Epargne de Siviriez | 0.00 | 0.00 |
Caisse d'épargne de Vuisternens-devant- Romont | 0.00 | 0.00 |
DC Bank | 0.00 | 0.00 |
Deutsche Bank (Suisse) SA | 0.00 | 0.00 |
EFG Bank European Financial Group SA | 0.00 | 0.00 |
FIDEURAM Bank (Suisse) SA | 0.00 | 0.00 |
Finter Bank Zürich | 0.00 | 0.00 |
Freie Gemeinschaftsbank | 0.00 | 0.00 |
GRB Glarner Regionalbank | 0.00 | 0.00 |
InCore Bank AG | 0.00 | 0.00 |
KREDIETBANK (SUISSE) SA | 0.00 | 0.00 |
Kaiser Ritter Partner Privatbank AG | 0.00 | 0.00 |
Mercantil Bank (Schweiz) AG | 0.00 | 0.00 |
Nordkap Bank AG | 0.00 | 0.00 |
PKB PRIVATBANK SA | 0.00 | 0.00 |
Privatbank Von Graffenried AG | 0.00 | 0.00 |
RBS Coutts Bank AG | 0.00 | 0.00 |
Reichmuth & Co | 0.00 | 0.00 |
SB Saanen Bank AG | 0.00 | 0.00 |
Saxo Bank (Switzerland) SA | 0.00 | 0.00 |
Scobag Privatbank AG | 0.00 | 0.00 |
Sella Bank AG | 0.00 | 0.00 |
Spar + Leihkasse Münsingen AG | 0.00 | 0.00 |
Spar- und Leihkasse Wynigen | 0.00 | 0.00 |
Sparkasse Engelberg | 0.00 | 0.00 |
Swissregiobank | 0.00 | 0.00 |
Trafina Privatbank AG | 0.00 | 0.00 |
UNITED MIZRAHI BANK (Schweiz) AG | 0.00 | 0.00 |
Vadian Bank AG | 0.00 | 0.00 |
Wegelin & Co. Privatbankiers | 0.00 | 0.00 |
Zuger Kantonalbank | 0.00 | 0.00 |
cashgate AG | 0.00 | 0.00 |
Error free sites
The following sites scored full marks for Function.
- Adler & Co. Privatbank AG
- AKB Privatbank Zürich AG
- Arzi Bank AG
- BANCA GESFID
- Bank-now AG
- Bank Sparhafen Zürich AG
- Bankhaus Jungholz
- Bank Zweiplus ag
- Banque de Commerce et de Placements SA
- BGG, Banque Genevoise de Gestion
- Basellandschaftliche Kantonalbank
- LBBW (Schweiz) AG
- Crédit Agricole Financements (Suisse) SA
- cashgate AG
- Caisse d'Epargne d'Aubonne
- Centrum Bank AG
- Banque Pasche SA
- EFG Bank European Financial Group SA
- Ersparniskasse Affoltern i.E. AG
- Ersparniskasse Speicher
- FAISAL PRIVATE BANK (Switzerland) SA
- FIDEURAM Bank (Suisse) SA
- Privatbank Von Graffenried AG
- BANQUE HERITAGE
- HSBC Private Bank (Suisse) SA
- Hyposwiss Private Bank
- LGT Bank (Schweiz) AG
- Lienhardt & Partner Privatbank Zürich AG
- Liechtensteinische Landesbank (Schweiz) AG
- M. M. Warburg Bank (Schweiz) AG
- Neue Bank AG
- Nordkap Bank AG
- Petercam Private Bank
- Banca Popolare di Sondrio (Suisse) SA
- PostFinance
- Banca Privata Edmond de Rothschild Lugano SA
- Standard Chartered Bank (Switzerland) SA
- Private Client Bank
- Reichmuth & Co
- Rothschild Bank AG
- Scobag Privatbank AG
- Skandifinanz Bank AG
- Sparkasse Trogen
- Banque Du Bois AG
- Banque Syz & Co SA
- Thurgauer Kantonalbank
- Trafina Privatbank AG
- Union Bancaire Privée, UBP
- Zürcher Kantonalbank
Failing A & AA on every page
The following sites failed high priority tests on every page.
- AAM Privatbank AG
- ABN Amro Bank (Schweiz)
- Appenzeller Kantonalbank
- Aargauische Kantonalbank
- AKB Privatbank Zürich AG
- Arab Bank (Switzerland)
- ARVEST Privatbank AG
- Atlantic Vermögensverwaltungsbank
- Banque Algérienne du Commerce Extérieur SA
- Banca del Sempione
- Bankhaus Jungholz
- Banque Jacob Safra (Suisse) SA
- BLOM BANK (Switzerland) SA
- Bordier & Cie
- BBO Bank Brienz Oberhasli AG
- Banque Cantonale du Jura
- BERENBERG BANK (SCHWEIZ) AG
- Banca Intermobiliare di Investimenti
- Banque Bonhôte & Cie SA
- cashgate AG
- Caisse d'Epargne d'Aubonne
- Caisse d'Epargne de Cossonay société coopérative
- Caisse d'Epargne de Siviriez
- Caisse d'épargne de Vuisternens-devant- Romont
- Banque Pasche SA
- BANCA CREDINVEST SA
- Deutsche Bank (Suisse) SA
- DC Bank
- EFG Bank European Financial Group SA
- Bank EKI Genossenschaft
- Banque Privée Espirito Santo SA
- FIDEURAM Bank (Suisse) SA
- Finter Bank Zürich
- Freie Gemeinschaftsbank
- GRB Glarner Regionalbank
- Privatbank Von Graffenried AG
- BANQUE HERITAGE
- InCore Bank AG
- Kaiser Ritter Partner Privatbank AG
- KREDIETBANK (SUISSE) SA
- Mercantil Bank (Schweiz) AG
- BANQUE MORVAL
- Nordkap Bank AG
- PKB PRIVATBANK SA
- Banca Popolare di Sondrio (Suisse) SA
- RBS Coutts Bank AG
- Reichmuth & Co
- SB Saanen Bank AG
- Saxo Bank (Switzerland) SA
- Scobag Privatbank AG
- Sella Bank AG
- Spar + Leihkasse Münsingen AG
- Spar- und Leihkasse Wynigen
- Sparkasse Engelberg
- Swissregiobank
- Banque Syz & Co SA
- Trafina Privatbank AG
- UNITED MIZRAHI BANK (Schweiz) AG
- Vadian Bank AG
- Bank Vontobel AG
- Wegelin & Co. Privatbankiers
- BANCA ZARATTINI & CO. SA
- Zuger Kantonalbank
Excluded from INDEX
The following sites were excluded from the INDEX.
- Banca Aletti & C. (Suisse) SA
- Società Bancaria Ticinese
- Banque de Crédit et de Dépôts s.a.
- Barclays Bank (Suisse) SA
- Banque Baring Brothers Sturdza SA
- Banque de Patrimoines Privés Genève BPG SA
- Bank für Tirol und Vorarlberg Aktiengesellschaft
- Crédit Agricole (Suisse) SA
- Caisse d'Epargne de Nyon société coopérative
- Citibank (Switzerland)
- Clariden Leu AG
- Credito Privato Commerciale SA
- Banca Euromobiliare (Suisse) SA
- FIBI Bank (Schweiz) AG
- Bank Hapoalim (Switzerland) Ltd
- Hypothekarbank Lenzburg
- HSBC Guyerzeller Bank AG
- Investec Bank (Switzerland) AG
- Jyske Bank (Schweiz)
- Landolt & Cie, banquiers
- LB (Swiss) Privatbank AG
- Mourgue d'Algue & Cie
- Banque Privée BCP (Suisse) SA
- NBAD Private Bank (Suisse) SA
- NBK Banque Privée (Suisse) SA
- Obersimmentalische Volksbank
- Rahn & Bodmer
- RAS Private Bank (Suisse) SA
- Rüd, Blass & Cie AG Bankgeschäft
- Skandinaviska Enskilda Banken SA,
- State Street Bank GmbH,
- F. van Lanschot Bankiers (Schweiz) AG
- WIR Bank
PDF testing
18.8% of checked PDFs were not tagged for accessibility.
Sitemorse performs twenty eight checks on PDF documents as part of our website benchmarking to ensure users do not experience problems such as broken links, or failing email addresses - we are also the first to test the accessibility compliance of PDF's.
Top ten functional failures
The most common categories of functional failure.
url/fetch/notfound File not found |
34.37% |
url/fetch/badcookie Web server attempted to set invalid cookie |
21.41% |
url/fetch/unknownstatus Unknown status code received from web server |
9.75% |
url/fetch/noaddr Host not found in DNS |
8.66% |
url/fetch/noeoh No end-of-headers found in HTTP response |
4.25% |
url/fetch/badscheme URL scheme was unrecognised |
3.99% |
url/fetch/accessdenied Access is denied |
3.63% |
file/html/noframes A <frameset> tag was found, but no <noframes> |
3.63% |
url/fetch/timeout Timeout downloading file |
3.27% |
url/fetch/badport Server port in URL must be numerical |
3.21% |
Top ten code quality failures
The most common categories of code quality failure.
file/html/badentity Invalid character in entity |
24.55% |
file/html/unknownentity Unknown entity name |
22.50% |
file/html/repeatedattr A tag has been assigned the same attribute more than once |
17.53% |
file/html/unknowntag A start or end tag was found which was unrecognised |
10.14% |
file/html/tagnotallowed A start tag has been found in a position in which that element may not appear |
6.80% |
file/html/badvalue Invalid attribute value |
5.59% |
file/html/badattr Invalid attribute name |
5.31% |
file/html/closingunopened A redundant close tag was found |
3.06% |
file/html/missingclose An element is missing the required close tag |
1.99% |
file/html/unnecessaryclose An end tag was found for an element which does not require one |
0.49% |