BEGIN:VCALENDAR VERSION:2.0 PRODID:-//104.21.22.16//NONSGML kigkonsult.se iCalcreator 2.26.9// CALSCALE:GREGORIAN METHOD:PUBLISH X-FROM-URL:https://www.epsten.com X-WR-TIMEZONE:America/Los_Angeles BEGIN:VTIMEZONE TZID:America/Los_Angeles X-LIC-LOCATION:America/Los_Angeles BEGIN:STANDARD DTSTART:20231105T020000 TZOFFSETFROM:-0700 TZOFFSETTO:-0800 RDATE:20241103T020000 TZNAME:PST END:STANDARD BEGIN:DAYLIGHT DTSTART:20240310T020000 TZOFFSETFROM:-0800 TZOFFSETTO:-0700 RDATE:20250309T020000 TZNAME:PDT END:DAYLIGHT END:VTIMEZONE BEGIN:VEVENT UID:ai1ec-21817@www.epsten.com DTSTAMP:20240329T090603Z CATEGORIES;LANGUAGE=en-US:CAI San Diego CONTACT: DESCRIPTION:April is Autism Awareness month and CAI San Diego is asking tha t you show your support and do something “SUPER” by participating in the 2 021 Virtual Race for Autism SUPERHERO Challenge!\nRegister here and select “Join a Team” and “CAI-SD Cares”. Use the Justice League discount code: C AI410 It’s that easy! DTSTART;VALUE=DATE:20210401 DTEND;VALUE=DATE:20210411 LOCATION:Virtual SEQUENCE:0 SUMMARY:CAI San Diego Virtual Race for Autism URL:https://www.epsten.com/event/cai-san-diego-race-for-autism/ X-COST-TYPE:free X-ALT-DESC;FMTTYPE=text/html:\\n\\n
\\nApril is Autism Awareness month and CAI San Diego is asking that you show your support and do something “SUPER” by participating in the 2021 Virtual Race for Autism SUPERHERO Challenge!
\nRegister here and select “Join a Team” and “CAI-SD Cares”. Use the Justice League discount code: CAI410 It’s that easy!
\n X-TAGS;LANGUAGE=en-US:Attending-TLC\,Attending-KJP\,Attending-SMH\,Attendin g-JMW END:VEVENT BEGIN:VEVENT UID:ai1ec-21818@www.epsten.com DTSTAMP:20240329T090603Z CATEGORIES;LANGUAGE=en-US:California Association of Community Managers (CAC M) CONTACT: DESCRIPTION:Register today to join shareholders Susan M. Hawks McClintic\, Kieran J. Purcell\, and Bill S. Budd at CACM’s Executive Leadership Summit .\nThis exclusive event is designed for management company decision makers . The collaborative atmosphere provides executives with the freedom to dis cuss challenging issues in an effort to find creative and collective solut ions for the future of our industry.\nBe part of rich conversations among peers who are committed to defining the future of our industry. Share\, br ainstorm and collaborate in an innovative and thought-provoking setting\, while developing valuable new connections. DTSTART;VALUE=DATE:20210520 DTEND;VALUE=DATE:20210522 LOCATION:Loews Coronado Bay Resort @ Coronado\, CA SEQUENCE:0 SUMMARY:CACM Executive Summit URL:https://www.epsten.com/event/cacm-executive-summit/ X-COST-TYPE:free X-ALT-DESC;FMTTYPE=text/html:\\n\\n\\nRegister to day to join shareholders Susan M. Hawks McClintic\, Kieran J. Purcell\ , and Bill S. Budd at CACM’s Executive Leadership Summit.
\nThis exc lusive event is designed for management company decision makers. The colla borative atmosphere provides executives with the freedom to discuss challe nging issues in an effort to find creative and collective solutions for th e future of our industry.
\nBe part of rich conversations among peers who are committed to defining the future of our industry. Sha re\, brainstorm and collaborate in an innovative and thought-provoking set ting\, while developing valuable new connections.
\n X-TAGS;LANGUAGE=en-US:Attending-KJP\,Attending-SMH\,Attending-WSB END:VEVENT BEGIN:VEVENT UID:ai1ec-23925@www.epsten.com DTSTAMP:20240329T090603Z CATEGORIES;LANGUAGE=en-US:California Association of Community Managers (CAC M) CONTACT:https://cacm.org/events/2022northerncalifornialawseminar/ DESCRIPTION: DTSTART;VALUE=DATE:20220203 DTEND;VALUE=DATE:20220205 LOCATION:Santa Clara Convention Center @ 5001 Great American Parkway Santa Clara\, California 95054 SEQUENCE:0 SUMMARY:CACM – No. Cal. Law Seminar & Expo URL:https://www.epsten.com/event/cacm-no-cal-law-seminar-expo-2/ X-COST-TYPE:free X-ALT-DESC;FMTTYPE=text/html:\\n\\n\\nC heers to 30 Years! Join Epsten\, APC and all of our CACM colleagues and f riends at this year’s Law Seminar and Expo.
\nThere is so much to celebrate! From our accomplishments in the last 30 years to the fa ct that we can mix and mingle in person again! This in-person Law Seminar offers unique perspectives\, legal insight\, and solutions to some of our industry’s biggest challenges.
\n\n
Ti ckets: https://cacm.org/events/2022southerncal ifornialawseminar/.
X-TAGS;LANGUAGE=en-US:Attending-KJP\,Attending-SMH\,Speaking-KJP\,Attending -EAL\,Attending-TLC\,Attending-PDK X-TICKETS-URL:https://cacm.org/events/2022southerncalifornialawseminar/ END:VEVENT BEGIN:VEVENT UID:ai1ec-24519@www.epsten.com DTSTAMP:20240329T090603Z CATEGORIES;LANGUAGE=en-US:Epsten\, APC CONTACT: DESCRIPTION:Tickets: https://www.epsten.com/legal-symposium/. DTSTART;VALUE=DATE:20221104 DTEND;VALUE=DATE:20221105 LOCATION:Agua Caliente Resort & Casino @ 32-250 Bob Hope Dr\, Rancho Mirage \, CA 92270 SEQUENCE:0 SUMMARY:Coachella Valley Community Association Legal Symposium URL:https://www.epsten.com/event/coachella-valley-community-association-leg al-symposium/ X-COST-TYPE:external X-ALT-DESC;FMTTYPE=text/html:\\n\\n\\nTickets: https://www.epsten.com/legal-symposium/.
X-TAGS;LANGUAGE=en-US:Attending-DCF\,Attending-JMW\,Attending-TLC\,Attendin g-GAW\,Attending-PDK\,Attending-WSB\,Attending-KJP\,Attending-CDD\,Attendi ng-SMH\,Attending-RRA\,Attending-MMH\,Attending-DAK\,Attending-KAL\,Attend ing-RWJ\,Attending-TSS\,Attending-JHE\,Attending-ALR X-TICKETS-URL:https://www.epsten.com/legal-symposium/ END:VEVENT BEGIN:VEVENT UID:ai1ec-24518@www.epsten.com DTSTAMP:20240329T090603Z CATEGORIES;LANGUAGE=en-US:Epsten\, APC CONTACT: DESCRIPTION:Tickets: https://www.epsten.com/legal-symposium/. DTSTART;VALUE=DATE:20221202 DTEND;VALUE=DATE:20221203 LOCATION:Town and Country Resort - San Diego @ 500 Hotel Cir N\, San Diego\ , CA 92108 SEQUENCE:0 SUMMARY:San Diego Community Association Legal Symposium URL:https://www.epsten.com/event/san-diego-community-association-legal-symp osium/ X-COST-TYPE:external X-ALT-DESC;FMTTYPE=text/html:\\n\\n\\nTickets: https://www.epsten.com/legal-symposium/.
X-TAGS;LANGUAGE=en-US:Attending-KAL\,Attending-RWJ\,Attending-TSS\,Attendin g-JHE\,Attending-ALR\,Attending-DCF\,Attending-GAW\,Attending-TLC\,Attendi ng-WSB\,Attending-PDK\,Attending-CDD\,Attending-KJP\,Attending-RRA\,Attend ing-SMH\,Attending-JXS\,Attending-MMH\,Attending-DAK X-TICKETS-URL:https://www.epsten.com/legal-symposium/ END:VEVENT BEGIN:VEVENT UID:ai1ec-25968@www.epsten.com DTSTAMP:20240329T090603Z CATEGORIES;LANGUAGE=en-US:CAI National CONTACT:CAI National\; www.caionline.org DESCRIPTION:Experience the premier CAI event for community association atto rneys and insurance and risk management professionals. Legal & Insurance E ducation. Networking. Technology & solutions for community associations.\n Our own Epsten\, APC attorneys will be speaking on three important topics: \nKieran J. Purcell\, Esq.\, CCAL – The Penumbra of Privacy: What is a Rea sonable Expectation of Privacy In A Common Interest Development?\nDea C. F rank\, Esq. – Can I Borrow Your Pool? From Airbnbs to Swimming Pool Rental s to Maternity “Hotels”: Practical Strategies for Dealing with the Ever Ev olving Gig Economy\nSusan M. Hawks McClintic\, Esq.\, CCAL – Rental Restri ction Workarounds: Complex Concerns Regarding Real Estate Co-Ownership in Community Associations\nTickets: https://events.rdmobile.com/Events/Detail s/15410. DTSTART;VALUE=DATE:20230111 DTEND;VALUE=DATE:20230115 LOCATION:Sheraton New Orleans Hotel @ 500 Canal Street\, New Orleans\, LA 7 0130 SEQUENCE:0 SUMMARY:CAI National – Northern California Community Association Law Semina r URL:https://www.epsten.com/event/cai-national-community-association-law-sem inar-3/ X-COST-TYPE:external X-ALT-DESC;FMTTYPE=text/html:\\n\\n\\nExper ience the premier CAI event for community association attorneys and insura nce and risk management professionals. Legal & Insurance Education. Networ king. Technology & solutions for community associations.
\nOur own E psten\, APC attorneys will be speaking on three important topics:
Kieran J. Pu
rcell\, Esq.\, CCAL – The Penumbra of Privacy: What is a Reasonable Ex
pectation of Privacy In A Common Interest Development?
\nDea C. Frank\, Esq. – Can I Borrow
Your Pool? From Airbnbs to Swimming Pool Rentals to Maternity “Hotels”: Pr
actical Strategies for Dealing with the Ever Evolving Gig Economy
\n<
a href='https://www.epsten.com/susan-m-hawks-mcclintic/'>Susan M. Hawks Mc
Clintic\, Esq.\, CCAL – Rental Restriction Workarounds: Complex Concer
ns Regarding Real Estate Co-Ownership in Community Associations
Tickets: https://events.rdmobile.com/Events/Detail s/15410.
X-TAGS;LANGUAGE=en-US:Attending-DCF\,Speaking-DCF\,Attending-KJP\,Attending -SMH\,Speaking-SMH\,Speaking-KJP X-TICKETS-URL:https://events.rdmobile.com/Events/Details/15410 END:VEVENT BEGIN:VEVENT UID:ai1ec-25973@www.epsten.com DTSTAMP:20240329T090603Z CATEGORIES;LANGUAGE=en-US:CAI National CONTACT:CAI National\; www.caionline.org DESCRIPTION:Experience the premier CAI event for community association atto rneys and insurance and risk management professionals. Legal & Insurance E ducation. Networking. Technology & solutions for community associations.\n Our own Epsten\, APC attorneys Susan M. Hawks McClintic\, Esq.\, CCAL & De a C. Frank\, Esq. will be speaking.\n \n \nTickets: https://cacm.org/event s/2023southerncalifornialawseminar/. DTSTART;VALUE=DATE:20230315 DTEND;VALUE=DATE:20230318 LOCATION:Disneyland Hotel & Convention Center @ 1150 West Magic Way Anaheim \, CA 92802 SEQUENCE:0 SUMMARY:CAI National – Southern California Community Association Law Semina r URL:https://www.epsten.com/event/cai-national-southern-california-community -association-law-seminar/ X-COST-TYPE:external X-ALT-DESC;FMTTYPE=text/html:\\n\\n\\nExper ience the premier CAI event for community association attorneys and insura nce and risk management professionals. Legal & Insurance Education. Networ king. Technology & solutions for community associations.
\nOur own E psten\, APC attorneys Susan M. Hawks McClintic\, Esq.\, CCAL & Dea C. Frank\, Esq. will be speaking.
\n\n
\n
Tickets: https://cacm.org/events/2023southerncalifornialawseminar/.
X-TAGS;LANGUAGE=en-US:Attending-DCF\,Speaking-DCF\,Attending-TLC\,Attending -KJP X-TICKETS-URL:https://cacm.org/events/2023southerncalifornialawseminar/ END:VEVENT BEGIN:VEVENT UID:ai1ec-21824@www.epsten.com DTSTAMP:20240329T090603Z CATEGORIES;LANGUAGE=en-US:CAI San Diego CONTACT: DESCRIPTION:Register for CAI San Diego’s educational webinar covering short term rentals and AB 3182. DTSTART;TZID=America/Los_Angeles:20210407T110000 DTEND;TZID=America/Los_Angeles:20210407T123000 LOCATION:Virtual SEQUENCE:0 SUMMARY:CAI San Diego Educational Webinar URL:https://www.epsten.com/event/cai-san-diego-educational-webinar-2/ X-COST-TYPE:free X-WP-IMAGES-URL:thumbnail\;https://d1abk1deij0xby.cloudfront.net/wp-content /uploads/2017/03/CAI-SD-150x150.png\;150\;150\;1\,medium\;https://d1abk1de ij0xby.cloudfront.net/wp-content/uploads/2017/03/CAI-SD-300x300.png\;300\; 300\;1\,large\;https://d1abk1deij0xby.cloudfront.net/wp-content/uploads/20 17/03/CAI-SD.png\;400\;400\; X-ALT-DESC;FMTTYPE=text/html:\\n\\n\\nRegister for CAI San Diego’s educational w ebinar covering short term rentals and AB 3182.
\n X-TAGS;LANGUAGE=en-US:Attending-SMH\,Attending-JHE\,Attending-TLC\,Attendin g-KJP END:VEVENT BEGIN:VEVENT UID:ai1ec-21826@www.epsten.com DTSTAMP:20240329T090603Z CATEGORIES;LANGUAGE=en-US:CAI California Legislative Action Committee (CLAC ) CONTACT:CAI-CLAC\; https://caiclac.com/virtual-legislative-week-at-the-capi tol/ DESCRIPTION:Join Kieran Purcell and CAI CLAC for this year’s VIRTUAL days a t the capitol! Register here. DTSTART;TZID=America/Los_Angeles:20210413T080000 DTEND;TZID=America/Los_Angeles:20210415T170000 LOCATION:Virtual SEQUENCE:0 SUMMARY:CLAC Legislative Days at the Capitol URL:https://www.epsten.com/event/clac-legislative-days-at-the-capitol/ X-COST-TYPE:free X-WP-IMAGES-URL:thumbnail\;https://d1abk1deij0xby.cloudfront.net/wp-content /uploads/2017/03/CAI-CLAC-1-150x150.png\;150\;150\;1\,medium\;https://d1ab k1deij0xby.cloudfront.net/wp-content/uploads/2017/03/CAI-CLAC-1-300x300.pn g\;300\;300\;1\,large\;https://d1abk1deij0xby.cloudfront.net/wp-content/up loads/2017/03/CAI-CLAC-1.png\;400\;400\; X-ALT-DESC;FMTTYPE=text/html:\\n\\n\\nJoin Kieran Purce ll and CAI CLAC for this year’s VIRTUAL days at the capitol! Register her e.
\n X-TAGS;LANGUAGE=en-US:Attending-KJP END:VEVENT BEGIN:VEVENT UID:ai1ec-22999@www.epsten.com DTSTAMP:20240329T090603Z CATEGORIES;LANGUAGE=en-US:CAI California Legislative Action Committee (CLAC ) CONTACT:CAI California Legislative Action Committee\; https://caiclac.com/ DESCRIPTION: DTSTART;TZID=America/Los_Angeles:20211006T083000 DTEND;TZID=America/Los_Angeles:20211006T130000 LOCATION:Virtual via Zoom SEQUENCE:0 SUMMARY:CLAC Virtual Annual Planning Meeting URL:https://www.epsten.com/event/clac-virtual-annual-planning-meeting/ X-COST-TYPE:free X-ALT-DESC;FMTTYPE=text/html:\\n\\n\\nFriday\, December 3\, 2021 & Friday\
, December 10\, 2021
\n10:00 a.m. to 12:00 noon
Part
I – December 3rd
\nNew legal updates affecting common intere
st developments
\nOpportunity to submit questions for discussion on 1
2/10
Part II – December 10th
\nAttorney Q&A<
/p>
Our Annual Legal Symposium provides community managers wi
th continuing education credits via CACM and CAI (CAMICB).
\n
Our 2021 program (for managers attending Part I and Part II) is pending ap
proval via CACM (1 CEU) and the Community Association Man
agers International Certification Board (CAMICB – 4 CEUs) to fulfill continuing education requirements for the CMCA® certification.
(www.camicb.org).
Part II – December 10th
\nAttorney Q&A
Our Annual Legal Symposium provides communi ty managers with continuing education credits via CACM and CAI (CAMICB).\nOur 2021 program (for managers attending Part I and Part II) is pending approval via CACM (1 CEU) and the Community A ssociation Managers International Certification Board (CAMICB – 4 CEUs) strong>to fulfill continuing education requirements for the CMCA® certification. (www.camicb.org).
\n X-TAGS;LANGUAGE=en-US:Attending-DAK\,Attending-RRA\,Attending-KAL\,Attendin g-EAL\,Attending-RWJ\,Attending-JEQ\,Attending-TSS\,attending-JSF\,Attendi ng-JHE\,Attending-ALR\,Attending-DCF\,Attending-DMZ\,Attending-TLC\,Attend ing-JMW\,Attending-PDK\,Attending-GAW\,Attending-KJP\,Attending-WSB\,Atten ding-SMH\,Attending-VJS\,Attending-MMH\,Attending-CDD END:VEVENT BEGIN:VEVENT UID:ai1ec-23968@www.epsten.com DTSTAMP:20240329T090603Z CATEGORIES;LANGUAGE=en-US:CAI Coachella Valley CONTACT:https://www.cai-cv.org/events/EventDetails.aspx?id=1607063&group= DESCRIPTION: DTSTART;TZID=America/Los_Angeles:20220218T110000 DTEND;TZID=America/Los_Angeles:20220218T133000 LOCATION:Palm Valley Country Club @ 39205 Palm Valley Dr\, Palm Desert\, CA 92211 SEQUENCE:0 SUMMARY:CAI-CV – Educational Program & Mini Trade Show URL:https://www.epsten.com/event/cai-cv-educational-program-mini-trade-show / X-COST-TYPE:free X-ALT-DESC;FMTTYPE=text/html:\\n\\n\\nJoin leading attorneys and a loan funding expert from around the state in an un usual\, candid discussion about implementation of the new condo/co-op lend ing certification requirements imposed by Fannie Mae and Freddie Mac.
\nIn this 75-minute moderated Zoom program (including Q&A) \, we will h ave a lively discussion about the most up to date information on the new l ending requirements\; how managers are reacting to them\; the risks Associ ations\, managers and directors face if they do (or don’t) respond to len der certification requests\; ways to minimize those risks\; and financing alternatives.
\n\nTickets: https://bit.ly/3BPOJtO.
X-TAGS;LANGUAGE=en-US:Attending-JHE\,Speaking-JHE X-TICKETS-URL:https://bit.ly/3BPOJtO END:VEVENT BEGIN:VEVENT UID:ai1ec-24027@www.epsten.com DTSTAMP:20240329T090603Z CATEGORIES: CONTACT:Tiffany L. Christian\; 858-527-0111 ext. 271\; tchristian@epsten.co m\; https://www.epsten.com/1st-fridays/ DESCRIPTION:Complimentary Q&A Style Zoom Webinars\nwith Epsten\, APC Attorn eys for local Southern California Community Managers on the\n1st Friday of most months – 12:00 noon to 1:00 p.m.\n \nTickets: https://us02web.zoom.u s/meeting/register/tZ0vce6orjIiHNbEsrc51T7POi7erzOzN24d. DTSTART;TZID=America/Los_Angeles:20220304T120000 DTEND;TZID=America/Los_Angeles:20220304T130000 LOCATION:Virtual Via Zoom SEQUENCE:0 SUMMARY:Free 1st Fridays – Attorney Q & A URL:https://www.epsten.com/event/free-1st-fridays-6/ X-COST-TYPE:external X-WP-IMAGES-URL:thumbnail\;https://d1abk1deij0xby.cloudfront.net/wp-content /uploads/2022/02/Free-1st-Fridays-Social-Media-1-300x300.jpg\;300\;300\,me dium\;https://d1abk1deij0xby.cloudfront.net/wp-content/uploads/2022/02/Fre e-1st-Fridays-Social-Media-1-300x300.jpg\;300\;300\,large\;https://d1abk1d eij0xby.cloudfront.net/wp-content/uploads/2022/02/Free-1st-Fridays-Social- Media-1-300x300.jpg\;300\;300\,full\;https://d1abk1deij0xby.cloudfront.net /wp-content/uploads/2022/02/Free-1st-Fridays-Social-Media-1-300x300.jpg\;3 00\;300 X-ALT-DESC;FMTTYPE=text/html:\\n\\n\\n\n
Tickets: https://us02web.zoom.us/m eeting/register/tZ0vce6orjIiHNbEsrc51T7POi7erzOzN24d.
X-TAGS;LANGUAGE=en-US:Speaking-DCF\,Attending-TLC\,Attending-RRA\,Speaking- RRA\,Attending-DCF X-TICKETS-URL:https://us02web.zoom.us/meeting/register/tZ0vce6orjIiHNbEsrc5 1T7POi7erzOzN24d END:VEVENT BEGIN:VEVENT UID:ai1ec-24233@www.epsten.com DTSTAMP:20240329T090603Z CATEGORIES;LANGUAGE=en-US:Board Basics\,Epsten\, APC CONTACT:Tiffany L. Christian\; 858-527-0111 ext. 271\; tchristian@epsten.co m\; https://www.epsten.com/board-basics/ DESCRIPTION: DTSTART;TZID=America/Los_Angeles:20220331T120000 DTEND;TZID=America/Los_Angeles:20220331T130000 LOCATION:Virtual via Zoom SEQUENCE:0 SUMMARY:2022 Board Basics – Governance URL:https://www.epsten.com/event/2022-board-basics-governance/ X-COST-TYPE:free X-ALT-DESC;FMTTYPE=text/html:\\n\\n\\nCompl
imentary Q&A Style Zoom Webinars
\nwith Epsten\, APC Attorneys for lo
cal Southern California Community Managers on the
\n1st Friday of mos
t months – 12:00 noon to 1:00 p.m.
Tickets: https://www.raceforautism.org/Accou nt/Register.
X-TAGS;LANGUAGE=en-US:Attending-SMH\,Attending-TSS\,Attending-CSX\,Attendin g-JHE\,Attending-TLC\,Attending-KJP X-TICKETS-URL:https://www.raceforautism.org/Account/Register END:VEVENT BEGIN:VEVENT UID:ai1ec-24038@www.epsten.com DTSTAMP:20240329T090603Z CATEGORIES: CONTACT:Lily Goodwin\; 619-238-2400 ext.229\; lgoodwin@ncrconline.com\; htt ps://www.ncrconline.com/mediation-conflict-resolution/support-ncrc/peacema ker-awards DESCRIPTION:Tickets: https://www.ncrconline.com/mediation-conflict-resoluti on/support-ncrc/peacemaker-awards?mc_cid=aaccc3ea71&mc_eid=4737b465ee#sect ion-register. DTSTART;TZID=America/Los_Angeles:20220423T173000 DTEND;TZID=America/Los_Angeles:20220423T220000 LOCATION:Hilton Bayfront @ 1 Park Blvd\, San Diego\, CA 92101 SEQUENCE:0 SUMMARY:34th Annual Peacemaker Awards URL:https://www.epsten.com/event/34th-annual-peacemaker-awards/ X-COST-TYPE:external X-WP-IMAGES-URL:thumbnail\;https://d1abk1deij0xby.cloudfront.net/wp-content /uploads/2022/02/34th-300x287.jpg\;300\;287\,medium\;https://d1abk1deij0xb y.cloudfront.net/wp-content/uploads/2022/02/34th-300x287.jpg\;300\;287\,la rge\;https://d1abk1deij0xby.cloudfront.net/wp-content/uploads/2022/02/34th -300x287.jpg\;300\;287\,full\;https://d1abk1deij0xby.cloudfront.net/wp-con tent/uploads/2022/02/34th-300x287.jpg\;300\;287 X-ALT-DESC;FMTTYPE=text/html:\\n\\n\\n
\nwith Epsten\, APC
Attorneys for local Southern California Community Managers on the
\n
1st Friday of most months – 12:00 noon to 1:00 p.m.