{"id":18898,"date":"2025-04-16T09:25:43","date_gmt":"2025-04-16T09:25:43","guid":{"rendered":"https:\/\/www.wooshpay.com\/?p=18898"},"modified":"2025-04-16T09:25:44","modified_gmt":"2025-04-16T09:25:44","slug":"study-abroad-payment-guide-5-cross-border-payment-traps-ignored-by-90-of-parents","status":"publish","type":"post","link":"https:\/\/wooshpay.com\/ko\/%eb%a6%ac%ec%86%8c%ec%8a%a4\/%ec%a7%80%ec%8b%9d\/education-payments\/2025\/04\/16\/study-abroad-payment-guide-5-cross-border-payment-traps-ignored-by-90-of-parents\/","title":{"rendered":"\ud574\uc678 \uc720\ud559 \uacb0\uc81c \uac00\uc774\ub4dc: 90%\uc758 \ubd80\ubaa8\uac00 \ubb34\uc2dc\ud558\ub294 5\uac00\uc9c0 \ud574\uc678 \uacb0\uc81c \ud568\uc815"},"content":{"rendered":"<h3 class=\"wp-block-heading\">\uc18c\uac1c: \ud574\uc678 \uc720\ud559\uc758 \ud544\uc218\ud488\uc774 \ub41c \ud574\uc678 \uacb0\uc81c, \ud558\uc9c0\ub9cc \uc704\ud5d8\uc740 \ub3c4\uc0ac\ub9ac\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/h3>\n\n\n\n<p>\uad50\uc721\ubd80\uac00 \ubc1c\ud45c\ud55c 2023\ub144 \uc720\ud559 \ub370\uc774\ud130\uc5d0 \ub530\ub974\uba74, \ud574\uc678\uc5d0\uc11c \uacf5\ubd80\ud558\ub294 \uc911\uad6d\uc778 \ud559\uc0dd 868,000\uba85 \uc774\uc0c1\uc774 \uad6d\uacbd\uc744 \ub118\ub294 \uac70\ub798\ub97c \ud1b5\ud574 \ud559\ube44 \ub0a9\ubd80\ub97c \uc644\ub8cc\ud588\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uc774\ub4e4 \uc911 321\ub9cc 4\ucc9c \uac00\uc815\uc774 \ubd80\uc801\uc808\ud55c \uacb0\uc81c \uc791\uc5c5\uc73c\ub85c \uc778\ud574 \uc190\uc2e4\uc744 \uc785\uc5c8\uc2b5\ub2c8\ub2e4. \uc774 \uae00\uc5d0\uc11c\ub294 \ube48\ub3c4\uac00 \ub192\uc740 5\uac00\uc9c0 \uc704\ud5d8 \uc2dc\ub098\ub9ac\uc624\uc5d0 \ucd08\uc810\uc744 \ub9de\ucd94\uace0 \uc774\ub7ec\ud55c \ud568\uc815\uc744 \ud53c\ud560 \uc218 \uc788\ub294 \uc2e4\uc6a9\uc801\uc778 \uc9c0\uce68\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\ud568\uc815 1: \uc228\uaca8\uc9c4 \ub204\uc801 \uc11c\ube44\uc2a4 \uc218\uc218\ub8cc - \ud574\uc678 \uc218\uc5c5\ub8cc \uacb0\uc81c\uc5d0 \ub300\ud55c \uc11c\ube44\uc2a4 \uc218\uc218\ub8cc \ube44\uad50<\/h3>\n\n\n\n<h3 class=\"wp-block-heading\">\uc77c\ubc18\uc801\uc778 \uc2dc\ub098\ub9ac\uc624<\/h3>\n\n\n\n<p>\ud55c \ud559\ubd80\ubaa8\uac00 \uc790\ub140\uc758 \uc218\uc5c5\ub8cc\ub85c \uc740\ud589 \uc804\uc2e0 \uc1a1\uae08 $50,000\uc6d0\uc744 \uc1a1\uae08\ud588\uc9c0\ub9cc \uc2e4\uc81c \uc218\ub839\ud55c \uae08\uc561\uc740 $48,200\uc6d0\uc5d0 \ubd88\uacfc\ud588\uc2b5\ub2c8\ub2e4. \uc911\uac1c \uc740\ud589\uc5d0\uc11c \uacf5\uc81c\ud55c \uc218\uc218\ub8cc\uc640 \uc1a1\uae08 \uc11c\ube44\uc2a4 \uc218\uc218\ub8cc\ub97c \ud569\uce58\uba74 $1,800\uc5d0 \ub2ec\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\uc804\ubb38 \ubd84\uc11d<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\uc740\ud589 \uc804\uc2e0 \uc1a1\uae08<\/strong>: \uc77c\ubc18\uc801\uc73c\ub85c \uc1a1\uae08\uc561\uc758 0.1%(\ucd5c\uc18c 50\uc704\uc548)\uc5d0 \uc911\uac1c \uc740\ud589 \uc218\uc218\ub8cc $20~$50\uc744 \ub354\ud55c \uae08\uc561\uc774 \ubd80\uacfc\ub429\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong>\uc2e0\uc6a9 \uce74\ub4dc \uacb0\uc81c<\/strong>: 2.5% ~ 3%\uc758 \ud658\uc804 \uc218\uc218\ub8cc\uac00 \ubc1c\uc0dd\ud558\uba70 \ud574\uc678 \uac70\ub798 \uc218\uc218\ub8cc\uac00 \ubd80\uacfc\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong>\ud0c0\uc0ac \uacb0\uc81c \ud50c\ub7ab\ud3fc<\/strong>: \uc885\ud569 \uc218\uc218\ub8cc\uc728: 0.3% ~ 0.5%(\uc228\uaca8\uc9c4 \uc218\uc218\ub8cc \uc5c6\uc74c).<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\uc194\ub8e8\uc158<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>'\uc804\uc561 \uc218\ub839'\uc744 \uc57d\uc18d\ud558\ub294 \uc11c\ube44\uc2a4 \uc81c\uacf5\uc5c5\uccb4\ub97c \uc120\ud0dd\ud558\uc138\uc694(\uc608 <a href=\"https:\/\/payment.swooshtransfer.cn\/\" data-type=\"link\" data-id=\"https:\/\/payment.swooshtransfer.cn\/\">\uc6b0\uc26c\ud398\uc774\uc758 \"\uc190\uc2e4 \uc81c\ub85c \ucc44\ub110\"<\/a> ).<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\ud568\uc815 2: \uacb0\uc81c \uc9c0\uc5f0\uc73c\ub85c \uc778\ud55c \ub4f1\ub85d \uc2e4\ud328 - \uc720\ud559 \uc1a1\uae08\uc774 \ub3c4\ucc29\ud558\ub294 \ub370 \uc5bc\ub9c8\ub098 \uac78\ub9ac\ub098\uc694?<\/h3>\n\n\n\n<h3 class=\"wp-block-heading\">\ub370\uc774\ud130 \uacbd\uace0<\/h3>\n\n\n\n<p>2023\ub144 3\ubd84\uae30\uc5d0\ub294 \uacb0\uc81c \uc9c0\uc5f0\uc73c\ub85c \uc778\ud574 41.71\uc870 4\ucc9c\uc5b5 \uc6d0\uc758 \uc720\ud559\ube44 \ubd84\uc7c1\uc774 \ubc1c\uc0dd\ud588\uc2b5\ub2c8\ub2e4. \uc2ec\uc9c0\uc5b4 \uc77c\ubd80 \ud559\uc0dd\uc740 \uc785\ud559\uc774 \ucde8\uc18c\ub420 \uc704\ud5d8\uc5d0 \uc9c1\uba74\ud558\uae30\ub3c4 \ud588\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\uc801\uc2dc\uc131 \ube44\uad50 \ud45c<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\uacb0\uc81c \ubc29\ubc95<\/th><th>\ud3c9\uade0 \ub3c4\ucc29 \uc2dc\uac04<\/th><th>\uae34\uae09 \uc635\uc158<\/th><\/tr><\/thead><tbody><tr><td>\uc740\ud589 SWIFT \uc1a1\uae08<\/td><td>\uc601\uc5c5\uc77c \uae30\uc900 3~7\uc77c<\/td><td>\uc0ac\uc6a9 \ubd88\uac00<\/td><\/tr><tr><td>\uc6b0\uc26c\ud398\uc774<\/td><td>\uc601\uc5c5\uc77c \uae30\uc900 1-3\uc77c<\/td><td>\uc0ac\uc6a9 \uac00\ub2a5(\ucd5c\ub300 4\uc2dc\uac04)<\/td><\/tr><tr><td>\uc628\ub77c\uc778 \uc2e0\uc6a9 \uce74\ub4dc \uacb0\uc81c<\/td><td>\uc989\uc2dc \ub3c4\ucc29<\/td><td>\uc120\ubd88 3% \uc11c\ube44\uc2a4 \uc694\uae08\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">\uc194\ub8e8\uc158<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc785\ud559 \ud1b5\uc9c0\uc11c \uc2a4\uce94\ubcf8 + \ud559\uad50 \uacc4\uc88c \uc815\ubcf4 + \uc2e0\ubd84\uc99d \ub4f1 '\uc0ac\uc804 \uac80\ud1a0\ub41c \uacb0\uc81c \uc11c\ub958 \ud328\ud0a4\uc9c0'\ub97c \ubbf8\ub9ac \uc900\ube44\ud558\uc138\uc694.<\/li>\n\n\n\n<li>\uae34\uae09 \uc0c1\ud669 \ubc1c\uc0dd \uc2dc <a href=\"https:\/\/payment.swooshtransfer.cn\/\" data-type=\"link\" data-id=\"https:\/\/payment.swooshtransfer.cn\/\">\uc6b0\uc26c\ud398\uc774\uc758 \ub77c\uc774\ud2b8\ub2dd \uacb0\uc81c \ucc44\ub110<\/a>\ub97c \ud074\ub9ad\ud558\uba74 \uc790\ub8cc\uac00 \uc81c\ucd9c\ub41c \ud6c4 \uc790\ub3d9\uc73c\ub85c \ucc98\ub9ac \uc6b0\uc120\uc21c\uc704\uac00 \uc9c0\uc815\ub429\ub2c8\ub2e4.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\ud568\uc815 3: \uc608\uc0b0\uc744 \uc7a1\uc544\uba39\ub294 \ud658\uc728 \ubcc0\ub3d9 - \uc720\ud559 \ube44\uc6a9\uc744 \uac00\uc7a5 \ube44\uc6a9 \ud6a8\uc728\uc801\uc73c\ub85c \uacc4\uc0b0\ud558\ub294 \ubc29\ubc95<\/h3>\n\n\n\n<h3 class=\"wp-block-heading\">\uc0ac\ub840 \ub370\ubaa8<\/h3>\n\n\n\n<p>2022\ub144 \uc601\uad6d \ud30c\uc6b4\ub4dc\uc640 \uc911\uad6d \uc704\uc548\ud654\uc758 \ud658\uc728\uc740 8.2\uc5d0\uc11c 7.3\uc73c\ub85c \ud558\ub77d\ud588\uc2b5\ub2c8\ub2e4. \uc138 \ucc28\ub840\uc5d0 \uac78\uccd0 \ud658\uc804\ud55c \uac00\uc815\uc740 \uc77c\uc2dc\ubd88\ub85c \ud658\uc804\ud55c \uac00\uc815\uc5d0 \ube44\ud574 18,000\uc704\uc548 \uc774\uc0c1\uc744 \uc808\uc57d\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\uc6b4\uc601 \uac00\uc774\ub4dc<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\ud658\uc728 \uc7a0\uae08 \uae30\ub2a5<\/strong>: \ucd5c\uc800\uc810\uc5d0\uc11c 72\uc2dc\uac04 \ub3d9\uc548 \ud658\uc728\uc744 \ub3d9\uacb0\ud569\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong>\uc77c\uad04 \ud658\uc804<\/strong>: \uacfc\uac70 \ub370\uc774\ud130\ub97c \uae30\ubc18\uc73c\ub85c 7~8\uc6d4 \ud658\uc728 \uc800\uc810 \uae30\uac04\uc5d0 \uc77c\uad04 \uc791\uc5c5\uc744 \uc218\ud589\ud569\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong>\ube14\ub799\ubc15\uc2a4 \uac00\uaca9 \ucc45\uc815 \ubc29\uc9c0<\/strong>: \uc740\ud589\uc758 '\ud604\ubb3c \ub9e4\ub3c4 \ud658\uc728'\uc744 \uac70\ubd80\ud558\uace0 \uad6d\uc81c \uc678\ud658 \uc2dc\uc7a5\uacfc \uc5f0\uacb0\ub41c \uc2e4\uc2dc\uac04 \uc911\uac04 \ud658\uc728\uc744 \uc120\ud0dd\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\ub3c4\uad6c \ucd94\ucc9c<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc0ac\uc6a9 \ubc29\ubc95 \uc120\ud0dd <a href=\"https:\/\/payment.swooshtransfer.cn\/\" data-type=\"link\" data-id=\"https:\/\/payment.swooshtransfer.cn\/\">\uc6b0\uc26c\ud398\uc774<\/a> \uc744 \uc785\ub825\ud558\uba74 \ucd5c\uc801\uc758 \ud658\uc804 \ud0c0\uc774\ubc0d\uc774 \uc790\ub3d9\uc73c\ub85c \ub9de\ucdb0\uc9d1\ub2c8\ub2e4.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\ud568\uc815 4: \ud574\uc678 \uacc4\uc88c \uad00\ub9ac\uc758 \uc0ac\uac01\uc9c0\ub300 - \ud574\uc678 \uc720\ud559 \uc911\uc778 \ud559\uc0dd\uc744 \uc704\ud55c \ud574\uc678 \uacc4\uc88c \uac1c\uc124 \uac00\uc774\ub4dc<\/h3>\n\n\n\n<h3 class=\"wp-block-heading\">\uaddc\uc815 \uc900\uc218 \ud575\uc2ec \uc0ac\ud56d<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\uc601\uad6d<\/strong>: CAS \ubc88\ud638\uc640 \uc219\ubc15 \uc99d\uba85\uc11c\uac00 \ud544\uc694\ud569\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong>\ubbf8\uad6d<\/strong>: SSN\/ITIN \uc138\uae08 \ubc88\ud638\ub294 \uacc4\uc815 \uae30\ub2a5\uc5d0 \uc601\ud5a5\uc744 \uc904 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong>\ud638\uc8fc<\/strong>: TFN \uc138\uae08 \uc2e0\uace0\ub294 \uacc4\uc815 \uac70\ub798 \uae30\ub85d\uacfc \uc5f0\uacb0\ub429\ub2c8\ub2e4.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\uc194\ub8e8\uc158<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ud1b5\ud574<a href=\"https:\/\/wooshpay.com\/zh\/education-solution\/\" data-type=\"link\" data-id=\"https:\/\/wooshpay.com\/zh\/education-solution\/\"> \uc6b0\uc2dc\ud398\uc774\uc758 \uae00\ub85c\ubc8c \uacc4\uc815 \uc11c\ube44\uc2a4<\/a>\ub97c \ud074\ub9ad\ud558\uace0 \ub2e4\uc74c\uc744 \ud55c \ubc88\uc5d0 \uc644\ub8cc\ud558\uc138\uc694:<\/li>\n\n\n\n<li>\ub85c\uceec \uac00\uc0c1 \uacc4\uc815\uc744 \ubbf8\ub9ac \uac1c\uc124\ud569\ub2c8\ub2e4.<\/li>\n\n\n\n<li>\uaddc\uc815\uc744 \uc900\uc218\ud558\ub294 \uc790\uae08 \ud750\ub984 \uc778\uc99d\uc11c\ub97c \uc790\ub3d9\uc73c\ub85c \uc0dd\uc131\ud569\ub2c8\ub2e4.<\/li>\n\n\n\n<li>\uc218\uc5c5\ub8cc \uacb0\uc81c\ub97c \uc5f0\uacb0\ud558\uc5ec \uc678\ud658 \uad00\ub9ac \uac80\ud1a0\ub97c \ud53c\ud558\uc138\uc694.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\ud568\uc815 5: \uacb0\uc81c \ubc14\uc6b0\ucc98 \ubd80\uc871\uc73c\ub85c \uc778\ud55c \ube44\uc790 \uc704\uae30<\/h3>\n\n\n\n<h3 class=\"wp-block-heading\">\uc8fc\uc694 \uc99d\uac70 \uccb4\uc778<\/h3>\n\n\n\n<p>\ucd9c\uc785\uad6d \ub2f9\uad6d\uc758 \uc2ec\uc0ac\ub97c \ubc1b\uc744 \ub54c\ub294 \ub2e4\uc74c \uc0ac\ud56d\uc744 \ubaa8\ub450 \uc81c\ucd9c\ud574\uc57c \ud569\ub2c8\ub2e4:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uacb0\uc81c\uac00 \uc131\uacf5\ud588\uc74c\uc744 \ub098\ud0c0\ub0b4\ub294 SWIFT MT103 \uba54\uc2dc\uc9c0\uc785\ub2c8\ub2e4.<\/li>\n\n\n\n<li>\ud559\uad50\uc758 \uacf5\uc2dd \uc601\uc218\uc99d \ud655\uc778\uc11c.<\/li>\n\n\n\n<li>\uc790\uae08\uc758 \uc801\ubc95\uc131\uc5d0 \ub300\ud55c \uc9c4\uc220\uc11c($50,000\uc744 \ucd08\uacfc\ud558\ub294 \uae08\uc561\uc758 \uacbd\uc6b0 \ucd94\uac00 \uc99d\ube59\uc774 \ud544\uc694\ud568).<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\uc194\ub8e8\uc158<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ud50c\ub7ab\ud3fc\uc758 \uace0\uac1d \uc11c\ube44\uc2a4\uc5d0 \ubb38\uc758\ud558\uac70\ub098 \uacf5\uc2dd WeChat \uacc4\uc815\uc744 \ud314\ub85c\uc6b0\ud558\uc5ec \uc9c1\uc811 \ubb38\uc758\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4:<\/li>\n\n\n\n<li>\uac01 \uac70\ub798\uc5d0 \ub300\ud55c \uaddc\uc815 \uc900\uc218 \ubb38\uc11c\ub97c \uc790\ub3d9\uc73c\ub85c \ubcf4\uad00\ud569\ub2c8\ub2e4.<\/li>\n\n\n\n<li>\ud074\ub9ad \ud55c \ubc88\uc73c\ub85c \uc911\uad6d\uc5b4\uc640 \uc601\uc5b4\ub85c \ub41c \uacb0\uc81c \ubcf4\uace0\uc11c\ub97c \uc0dd\uc131\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n\n\n\n<li>\ub300\uc0ac\uad00 \ubc0f \uc601\uc0ac\uad00\uc758 \ube44\uc790 \uc2dc\uc2a4\ud15c\uc73c\ub85c \uc9c1\uc811 \ud478\uc2dc\ub97c \uc9c0\uc6d0\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n\n\n\n<p><a href=\"https:\/\/wooshpay.com\/zh\/education-solution\/\" data-type=\"link\" data-id=\"https:\/\/wooshpay.com\/zh\/education-solution\/\">\uc5c5\uacc4 \ucd5c\uace0\uc758 \uc720\ud559\ube44 \uacb0\uc81c \uc2dc\uc2a4\ud15c\uc744 \uc9c0\uae08 \ubc14\ub85c \uccb4\ud5d8\ud574\ubcf4\uc138\uc694 &lt;<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>Introduction: Cross-border payment has become a necessity for studying abroad, but risks lurk According to the 2023 study abroad data released by the Ministry of Education, over 868,000 Chinese students studying abroad completed their tuition fee payments through cross-border transactions. However, 32% of these families suffered losses due to improper payment operations. This article will [&hellip;]<\/p>","protected":false},"author":1,"featured_media":17289,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","footnotes":""},"categories":[23],"tags":[2100,2101,2102],"class_list":["post-18898","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-education-payments","tag-study-abroad-payment-guide","tag-study-abroad-payments","tag-study-abroad-remittances"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.8 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Study Abroad Payment Guide: 5 Cross-border Payment Traps Ignored by 90% of Parents - WooshPay<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/wooshpay.com\/ko\/\ub9ac\uc18c\uc2a4\/\uc9c0\uc2dd\/education-payments\/2025\/04\/16\/study-abroad-payment-guide-5-cross-border-payment-traps-ignored-by-90-of-parents\/\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Study Abroad Payment Guide: 5 Cross-border Payment Traps Ignored by 90% of Parents\" \/>\n<meta property=\"og:description\" content=\"Introduction: Cross-border payment has become a necessity for studying abroad, but risks lurk According to the 2023 study abroad data released by the Ministry of Education, over 868,000 Chinese students studying abroad completed their tuition fee payments through cross-border transactions. However, 32% of these families suffered losses due to improper payment operations. 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