This report elaborates the market size, market characteristics, and market growth of the Consumer Lending industry, and breaks down according to the type, application, and consumption area of Consumer Lending. The report also conducted a PESTEL analysis of the industry to study the main influencing factors and entry barriers of the industry.

In Chapter 3.4 of the report, the impact of the COVID-19 outbreak on the industry was fully assessed. Fully risk assessment and industry recommendations were made for Consumer Lending in a special period. This chapter also compares the markets of Pre COVID-19 and Post COVID-19.

In addition, chapters 8-12 consider the impact of COVID-19 on the regional economy.

Key players in the global Consumer Lending market covered in Chapter 13:

Wells Fargo

Mitsubishi UFJ Financial

HSBC

Citigroup

Industrial and Commercial Bank of China (ICBC)

JPMorgan Chase

Bank of America

BNP Paribas

Deutsche Bank

China Construction Bank

Barclays

In Chapter 6, on the basis of types, the Consumer Lending market from 2015 to 2025 is primarily split into:

Consumer Credit

Mortgage or Housing

In Chapter 7, on the basis of applications, the Consumer Lending market from 2015 to 2025 covers:

Individual Use

Commercial Use

Geographically, the detailed analysis of production, trade of the following countries is covered in Chapter 4.2, 5:

United States

Europe

China

Japan

India

Geographically, the detailed analysis of consumption, revenue, market share and growth rate of the following regions are covered in Chapter 8, 9, 10, 11, 12:

North America (Covered in Chapter 8)

United States

Canada

Mexico

Europe (Covered in Chapter 9)

Germany

UK

France

Italy

Spain

Others

Asia-Pacific (Covered in Chapter 10)

China

Japan

India

South Korea

Southeast Asia

Others

Middle East and Africa (Covered in Chapter 11)

Saudi Arabia

UAE

South Africa

Others

South America (Covered in Chapter 12)

Brazil

Others

Years considered for this report:

Historical Years: 2015-2019

Base Year: 2019

Estimated Year: 2020

Forecast Period: 2020-2025

Table of Content

1 Consumer Lending Market - Research Scope

1.1 Study Goals

1.2 Market Definition and Scope

1.3 Key Market Segments

1.4 Study and Forecasting Years

2 Consumer Lending Market - Research Methodology

2.1 Methodology

2.2 Research Data Source

2.2.1 Secondary Data

2.2.2 Primary Data

2.2.3 Market Size Estimation

2.2.4 Legal Disclaimer

3 Consumer Lending Market Forces

3.1 Global Consumer Lending Market Size

3.2 Top Impacting Factors (PESTEL Analysis)

3.2.1 Political Factors

3.2.2 Economic Factors

3.2.3 Social Factors

3.2.4 Technological Factors

3.2.5 Environmental Factors

3.2.6 Legal Factors

3.3 Industry Trend Analysis

3.4 Industry Trends Under COVID-19

3.4.1 Risk Assessment on COVID-19

3.4.2 Assessment of the Overall Impact of COVID-19 on the Industry

3.4.3 Pre COVID-19 and Post COVID-19 Market Scenario

3.5 Industry Risk Assessment

4 Consumer Lending Market - By Geography

4.1 Global Consumer Lending Market Value and Market Share by Regions

4.1.1 Global Consumer Lending Value ($) by Region (2015-2020)

4.1.2 Global Consumer Lending Value Market Share by Regions (2015-2020)

4.2 Global Consumer Lending Market Production and Market Share by Major Countries

4.2.1 Global Consumer Lending Production by Major Countries (2015-2020)

4.2.2 Global Consumer Lending Production Market Share by Major Countries (2015-2020)

4.3 Global Consumer Lending Market Consumption and Market Share by Regions

4.3.1 Global Consumer Lending Consumption by Regions (2015-2020)

4.3.2 Global Consumer Lending Consumption Market Share by Regions (2015-2020)

5 Consumer Lending Market - By Trade Statistics

5.1 Global Consumer Lending Export and Import

5.2 United States Consumer Lending Export and Import (2015-2020)

5.3 Europe Consumer Lending Export and Import (2015-2020)

5.4 China Consumer Lending Export and Import (2015-2020)

5.5 Japan Consumer Lending Export and Import (2015-2020)

5.6 India Consumer Lending Export and Import (2015-2020)

5.7

6 Consumer Lending Market - By Type

6.1 Global Consumer Lending Production and Market Share by Types (2015-2020)

6.1.1 Global Consumer Lending Production by Types (2015-2020)

6.1.2 Global Consumer Lending Production Market Share by Types (2015-2020)

6.2 Global Consumer Lending Value and Market Share by Types (2015-2020)

6.2.1 Global Consumer Lending Value by Types (2015-2020)

6.2.2 Global Consumer Lending Value Market Share by Types (2015-2020)

6.3 Global Consumer Lending Production, Price and Growth Rate of Consumer Credit (2015-2020)

6.4 Global Consumer Lending Production, Price and Growth Rate of Mortgage or Housing (2015-2020)

7 Consumer Lending Market - By Application

7.1 Global Consumer Lending Consumption and Market Share by Applications (2015-2020)

7.1.1 Global Consumer Lending Consumption by Applications (2015-2020)

7.1.2 Global Consumer Lending Consumption Market Share by Applications (2015-2020)

7.2 Global Consumer Lending Consumption and Growth Rate of Individual Use (2015-2020)

7.3 Global Consumer Lending Consumption and Growth Rate of Commercial Use (2015-2020)

8 North America Consumer Lending Market

8.1 North America Consumer Lending Market Size

8.2 United States Consumer Lending Market Size

8.3 Canada Consumer Lending Market Size

8.4 Mexico Consumer Lending Market Size

8.5 The Influence of COVID-19 on North America Market

9 Europe Consumer Lending Market Analysis

9.1 Europe Consumer Lending Market Size

9.2 Germany Consumer Lending Market Size

9.3 United Kingdom Consumer Lending Market Size

9.4 France Consumer Lending Market Size

9.5 Italy Consumer Lending Market Size

9.6 Spain Consumer Lending Market Size

9.7 The Influence of COVID-19 on Europe Market

10 Asia-Pacific Consumer Lending Market Analysis

10.1 Asia-Pacific Consumer Lending Market Size

10.2 China Consumer Lending Market Size

10.3 Japan Consumer Lending Market Size

10.4 South Korea Consumer Lending Market Size

10.5 Southeast Asia Consumer Lending Market Size

10.6 India Consumer Lending Market Size

10.7 The Influence of COVID-19 on Asia Pacific Market

11 Middle East and Africa Consumer Lending Market Analysis

11.1 Middle East and Africa Consumer Lending Market Size

11.2 Saudi Arabia Consumer Lending Market Size

11.3 UAE Consumer Lending Market Size

11.4 South Africa Consumer Lending Market Size

11.5 The Influence of COVID-19 on Middle East and Africa Market

12 South America Consumer Lending Market Analysis

12.1 South America Consumer Lending Market Size

12.2 Brazil Consumer Lending Market Size

12.3 The Influence of COVID-19 on South America Market

13 Company Profiles

13.1 Wells Fargo

13.1.1 Wells Fargo Basic Information

13.1.2 Wells Fargo Product Profiles, Application and Specification

13.1.3 Wells Fargo Consumer Lending Market Performance (2015-2020)

13.2 Mitsubishi UFJ Financial

13.2.1 Mitsubishi UFJ Financial Basic Information

13.2.2 Mitsubishi UFJ Financial Product Profiles, Application and Specification

13.2.3 Mitsubishi UFJ Financial Consumer Lending Market Performance (2015-2020)

13.3 HSBC

13.3.1 HSBC Basic Information

13.3.2 HSBC Product Profiles, Application and Specification

13.3.3 HSBC Consumer Lending Market Performance (2015-2020)

13.4 Citigroup

13.4.1 Citigroup Basic Information

13.4.2 Citigroup Product Profiles, Application and Specification

13.4.3 Citigroup Consumer Lending Market Performance (2015-2020)

13.5 Industrial and Commercial Bank of China (ICBC)

13.5.1 Industrial and Commercial Bank of China (ICBC) Basic Information

13.5.2 Industrial and Commercial Bank of China (ICBC) Product Profiles, Application and Specification

13.5.3 Industrial and Commercial Bank of China (ICBC) Consumer Lending Market Performance (2015-2020)

13.6 JPMorgan Chase

13.6.1 JPMorgan Chase Basic Information

13.6.2 JPMorgan Chase Product Profiles, Application and Specification

13.6.3 JPMorgan Chase Consumer Lending Market Performance (2015-2020)

13.7 Bank of America

13.7.1 Bank of America Basic Information

13.7.2 Bank of America Product Profiles, Application and Specification

13.7.3 Bank of America Consumer Lending Market Performance (2015-2020)

13.8 BNP Paribas

13.8.1 BNP Paribas Basic Information

13.8.2 BNP Paribas Product Profiles, Application and Specification

13.8.3 BNP Paribas Consumer Lending Market Performance (2015-2020)

13.9 Deutsche Bank

13.9.1 Deutsche Bank Basic Information

13.9.2 Deutsche Bank Product Profiles, Application and Specification

13.9.3 Deutsche Bank Consumer Lending Market Performance (2015-2020)

13.10 China Construction Bank

13.10.1 China Construction Bank Basic Information

13.10.2 China Construction Bank Product Profiles, Application and Specification

13.10.3 China Construction Bank Consumer Lending Market Performance (2015-2020)

13.11 Barclays

13.11.1 Barclays Basic Information

13.11.2 Barclays Product Profiles, Application and Specification

13.11.3 Barclays Consumer Lending Market Performance (2015-2020)

14 Market Forecast - By Regions

14.1 North America Consumer Lending Market Forecast (2020-2025)

14.2 Europe Consumer Lending Market Forecast (2020-2025)

14.3 Asia-Pacific Consumer Lending Market Forecast (2020-2025)

14.4 Middle East and Africa Consumer Lending Market Forecast (2020-2025)

14.5 South America Consumer Lending Market Forecast (2020-2025)

15 Market Forecast - By Type and Applications

15.1 Global Consumer Lending Market Forecast by Types (2020-2025)

15.1.1 Global Consumer Lending Market Forecast Production and Market Share by Types (2020-2025)

15.1.2 Global Consumer Lending Market Forecast Value and Market Share by Types (2020-2025)

15.2 Global Consumer Lending Market Forecast by Applications (2020-2025)

List of Tables and Figures

Figure Consumer Lending Picture

Table Consumer Lending Key Market Segments

Figure Study and Forecasting Years

Figure Global Consumer Lending Market Size and Growth Rate 2015-2025

Figure Industry PESTEL Analysis

Figure Global COVID-19 Status

Figure Market Size Forecast Comparison of Pre COVID-19 and Post COVID-19

Figure Global Consumer Lending Value ($) and Growth Rate (2015-2020)

Table Global Consumer Lending Value ($) by Countries (2015-2020)

Table Global Consumer Lending Value Market Share by Regions (2015-2020)

Figure Global Consumer Lending Value Market Share by Regions in 2019

Figure Global Consumer Lending Production and Growth Rate (2015-2020)

Table Global Consumer Lending Production by Major Countries (2015-2020)

Table Global Consumer Lending Production Market Share by Major Countries (2015-2020)

Figure Global Consumer Lending Production Market Share by Regions in 2019

Figure Global Consumer Lending Consumption and Growth Rate (2015-2020)

Table Global Consumer Lending Consumption by Regions (2015-2020)

Table Global Consumer Lending Consumption Market Share by Regions (2015-2020)

Figure Global Consumer Lending Consumption Market Share by Regions in 2019

Table Global Consumer Lending Export Top 3 Country 2019

Table Global Consumer Lending Import Top 3 Country 2019

Table United States Consumer Lending Export and Import (2015-2020)

Table Europe Consumer Lending Export and Import (2015-2020)

Table China Consumer Lending Export and Import (2015-2020)

Table Japan Consumer Lending Export and Import (2015-2020)

Table India Consumer Lending Export and Import (2015-2020)

Table Global Consumer Lending Production by Types (2015-2020)

Table Global Consumer Lending Production Market Share by Types (2015-2020)

Figure Global Consumer Lending Production Share by Type (2015-2020)

Table Global Consumer Lending Value by Types (2015-2020)

Table Global Consumer Lending Value Market Share by Types (2015-2020)

Figure Global Consumer Lending Value Share by Type (2015-2020)

Figure Global Consumer Credit Production and Growth Rate (2015-2020)

Figure Global Consumer Credit Price (2015-2020)

Figure Global Mortgage or Housing Production and Growth Rate (2015-2020)

Figure Global Mortgage or Housing Price (2015-2020)

Table Global Consumer Lending Consumption by Applications (2015-2020)

Table Global Consumer Lending Consumption Market Share by Applications (2015-2020)

Figure Global Consumer Lending Consumption Share by Application (2015-2020)

Figure Global Individual Use Consumption and Growth Rate (2015-2020)

Figure Global Commercial Use Consumption and Growth Rate (2015-2020)

Figure North America Consumer Lending Market Consumption and Growth Rate (2015-2020)

Table North America Consumer Lending Consumption by Countries (2015-2020)

Table North America Consumer Lending Consumption Market Share by Countries (2015-2020)

Figure North America Consumer Lending Consumption Market Share by Countries (2015-2020)

Figure United States Consumer Lending Market Consumption and Growth Rate (2015-2020)

Figure Canada Consumer Lending Market Consumption and Growth Rate (2015-2020)

Figure Mexico Consumer Lending Market Consumption and Growth Rate (2015-2020)

Figure North America COVID-19 Status

Figure Europe Consumer Lending Market Consumption and Growth Rate (2015-2020)

Table Europe Consumer Lending Consumption by Countries (2015-2020)

Table Europe Consumer Lending Consumption Market Share by Countries (2015-2020)

Figure Europe Consumer Lending Consumption Market Share by Countries (2015-2020)

Figure Germany Consumer Lending Market Consumption and Growth Rate (2015-2020)

Figure United Kingdom Consumer Lending Market Consumption and Growth Rate (2015-2020)

Figure France Consumer Lending Market Consumption and Growth Rate (2015-2020)

Figure Italy Consumer Lending Market Consumption and Growth Rate (2015-2020)

Figure Spain Consumer Lending Market Consumption and Growth Rate (2015-2020)

Figure Europe COVID-19 Status

Figure Asia-Pacific Consumer Lending Market Consumption and Growth Rate (2015-2020)

Table Asia-Pacific Consumer Lending Consumption by Countries (2015-2020)

Table Asia-Pacific Consumer Lending Consumption Market Share by Countries (2015-2020)

Figure Asia-Pacific Consumer Lending Consumption Market Share by Countries (2015-2020)

Figure China Consumer Lending Market Consumption and Growth Rate (2015-2020)

Figure Japan Consumer Lending Market Consumption and Growth Rate (2015-2020)

Figure South Korea Consumer Lending Market Consumption and Growth Rate (2015-2020)

Figure Southeast Asia Consumer Lending Market Consumption and Growth Rate (2015-2020)

Figure India Consumer Lending Market Consumption and Growth Rate (2015-2020)

Figure Asia Pacific COVID-19 Status

Figure Middle East and Africa Consumer Lending Market Consumption and Growth Rate (2015-2020)

Table Middle East and Africa Consumer Lending Consumption by Countries (2015-2020)

Table Middle East and Africa Consumer Lending Consumption Market Share by Countries (2015-2020)

Figure Middle East and Africa Consumer Lending Consumption Market Share by Countries (2015-2020)

Figure Saudi Arabia Consumer Lending Market Consumption and Growth Rate (2015-2020)

Figure UAE Consumer Lending Market Consumption and Growth Rate (2015-2020)

Figure South Africa Consumer Lending Market Consumption and Growth Rate (2015-2020)

Figure South America Consumer Lending Market Consumption and Growth Rate (2015-2020)

Table South America Consumer Lending Consumption by Countries (2015-2020)

Table South America Consumer Lending Consumption Market Share by Countries (2015-2020)

Figure South America Consumer Lending Consumption Market Share by Countries (2015-2020)

Figure Brazil Consumer Lending Market Consumption and Growth Rate (2015-2020)

Table Wells Fargo Company Profile

Table Wells Fargo Production, Value, Price, Gross Margin 2015-2020

Figure Wells Fargo Production and Growth Rate

Figure Wells Fargo Value ($) Market Share 2015-2020

Table Mitsubishi UFJ Financial Company Profile

Table Mitsubishi UFJ Financial Production, Value, Price, Gross Margin 2015-2020

Figure Mitsubishi UFJ Financial Production and Growth Rate

Figure Mitsubishi UFJ Financial Value ($) Market Share 2015-2020

Table HSBC Company Profile

Table HSBC Production, Value, Price, Gross Margin 2015-2020

Figure HSBC Production and Growth Rate

Figure HSBC Value ($) Market Share 2015-2020

Table Citigroup Company Profile

Table Citigroup Production, Value, Price, Gross Margin 2015-2020

Figure Citigroup Production and Growth Rate

Figure Citigroup Value ($) Market Share 2015-2020

Table Industrial and Commercial Bank of China (ICBC) Company Profile

Table Industrial and Commercial Bank of China (ICBC) Production, Value, Price, Gross Margin 2015-2020

Figure Industrial and Commercial Bank of China (ICBC) Production and Growth Rate

Figure Industrial and Commercial Bank of China (ICBC) Value ($) Market Share 2015-2020

Table JPMorgan Chase Company Profile

Table JPMorgan Chase Production, Value, Price, Gross Margin 2015-2020

Figure JPMorgan Chase Production and Growth Rate

Figure JPMorgan Chase Value ($) Market Share 2015-2020

Table Bank of America Company Profile

Table Bank of America Production, Value, Price, Gross Margin 2015-2020

Figure Bank of America Production and Growth Rate

Figure Bank of America Value ($) Market Share 2015-2020

Table BNP Paribas Company Profile

Table BNP Paribas Production, Value, Price, Gross Margin 2015-2020

Figure BNP Paribas Production and Growth Rate

Figure BNP Paribas Value ($) Market Share 2015-2020

Table Deutsche Bank Company Profile

Table Deutsche Bank Production, Value, Price, Gross Margin 2015-2020

Figure Deutsche Bank Production and Growth Rate

Figure Deutsche Bank Value ($) Market Share 2015-2020

Table China Construction Bank Company Profile

Table China Construction Bank Production, Value, Price, Gross Margin 2015-2020

Figure China Construction Bank Production and Growth Rate

Figure China Construction Bank Value ($) Market Share 2015-2020

Table Barclays Company Profile

Table Barclays Production, Value, Price, Gross Margin 2015-2020

Figure Barclays Production and Growth Rate

Figure Barclays Value ($) Market Share 2015-2020

Figure North America Market Consumption and Growth Rate Forecast (2020-2025)

Figure Europe Market Consumption and Growth Rate Forecast (2020-2025)

Figure Asia-Pacific Market Consumption and Growth Rate Forecast (2020-2025)

Figure Middle East and Africa Market Consumption and Growth Rate Forecast (2020-2025)

Figure South America Market Consumption and Growth Rate Forecast (2020-2025)

Table Global Consumer Lending Market Forecast Production by Types (2020-2025)

Table Global Consumer Lending Market Forecast Production Share by Types (2020-2025)

Table Global Consumer Lending Market Forecast Value ($) by Types (2020-2025)

Table Global Consumer Lending Market Forecast Value Share by Types (2020-2025)

Table Global Consumer Lending Market Forecast Consumption by Applications (2020-2025)

Table Global Consumer Lending Market Forecast Consumption Share by Applications (2020-2025)

Methodology/Research Approach

This research study involved the extensive usage of both primary and secondary data sources. The research process involved the study of various factors affecting the industry, including the government policy, market environment, competitive landscape, historical data, present trends in the market, technological innovation, upcoming technologies and the technical progress in related industry, and market risks, opportunities, market barriers and challenges. The following illustrative figure shows the market research methodology applied in this report.

Research Programs/Design

Historical Data (2015-2019)	Industry Trends Competitive Landscape By Company Expansion Mergers and Acquisitions Market Segment by Type by Application By Regions/ Geography	Value Status and Outlook Value for Major Players Market Share Growth Rate Present Situation Analysis Value Market Share Growth Rate Present Situation Analysis
Influencing Factors	Market Environment Government Policy Technological Changes Market Risks	Market Drivers Growing Demand of Downstream Reduction in Cost
Market Forecast (2021-2026)	Overall Size by Type by Application By Regions/Geography	Key Data (Value) Market Share Growth Rate CAGR (2021-2026)

Market Size Estimation

Top-down and bottom-up approaches are used to validate the global Voluntary Carbon Offset market size market and estimate the market size for Company, regions segments, product segments and Application (end users).

The market estimations in this report are based on the marketed sale price of Voluntary Carbon Offset (excluding any discounts provided by the player, distributor, wholesaler or traders). The percentage splits, market share, and breakdowns of the product segments are derived on the basis of weights assigned to each of the segments on the basis of their utilization rate and average sale price. The regional splits of the overall Voluntary Carbon Offset market and its sub-segments are based on the percentage adoption or utilization of the given product in the respective region or country.

Major Company in the market is identified through secondary research and their market revenues determined through primary and secondary research. Secondary research included the research of the annual and financial reports of the top Company; whereas, primary research included extensive interviews of key opinion leaders and industry experts such as experienced front-line staff, directors, CEOs and marketing executives. The percentage splits, market share, Growth Rate and breakdowns of the product markets are determined through using secondary sources and verified through the primary sources.

All possible factors that influence the markets included in this research study have been accounted for, viewed in extensive detail, verified through primary research, and analyzed to get the final quantitative and qualitative data. The market size for top-level markets and sub-segments is normalized, and the effect of inflation, economic downturns, and regulatory & policy changes or other factors are not accounted for in the market forecast. This data is combined and added with detailed inputs and analysis from Market Intellix and presented in this report

The following figure shows an illustrative representation of the overall market size estimation process used for this study.

Market Breakdown and Data Triangulation

After complete market engineering with calculations for market statistics; market size estimations; market forecasting; market breakdown; and data triangulation, extensive primary research was conducted to gather information and verify and validate the critical numbers arrived at. In the complete market engineering process, both top-down and bottom-up approaches were extensively used, along with several data triangulation methods, to perform market estimation and market forecasting for the overall market segments and sub-segments listed in this report. Extensive qualitative and further quantitative analysis is also done from all the numbers arrived at in the complete market engineering process to list key information throughout the report.

Data Source

Secondary Sources

Secondary sources include such as press releases, annual reports, non-profit organizations, industry associations, governmental agencies and customs data, etc. This research study involves the usage of widespread secondary sources, directories, databases such as Bloomberg Business, Wind Info, Hoovers, Factiva (Dow Jones & Company), and TRADING ECONOMICS, and News Network, statista, Federal Reserve Economic Data, annual reports, BIS Statistics, ICIS; company house documents; CAS(American Chemical Society); investor presentations; and SEC filings of companies. Secondary research was used to identify and collect information useful for the extensive, technical, market-oriented, and Hospitals study of the Voluntary Carbon Offset market. It was also used to obtain important information about the top companies, market classification and segmentation according to industry trends to the bottom-most level, and key developments related to market and technology perspectives.

Market Size	Segmental value Geographic Penetration Product Adoption Rate for Different market	Journals, Websites, and Press Releases Annual Reports and SEC Filings Company Websites and Press Releases Public and Paid Databases Market Intellix Data Repository
Market Position of Top Company	Product Financials Geographic value Mix Total Company value Business/Segmental value Mix
Qualitative Analysis	Influence Factors Market Potential Market Risks and Opportunities Industry Trends Geographical Features Government Policies	Company Websites and Press Releases Public and Paid Databases Annual Reports Industry Associations Market Intellix Data Repository

Primary Sources

In the primary research process, various sources from both the supply and demand sides were interviewed to obtain qualitative and quantitative information for this report. The primary sources from the supply side include product Company (and their competitors), opinion leaders, industry experts, research institutions, distributors, dealer and traders, as well as the raw materials suppliers and producers, etc.

The primary sources from the demand side include industry experts such as business leaders, marketing and sales directors, technology and innovation directors, supply chain executive, end use (product buyers), and related key executives from various key companies and organizations operating in the global market.

Primary research was conducted to identify segmentation Type, product price range, product Application, key Company, raw materials supply and the downstream demand, industry status and outlook, and key market dynamics such as risks, influence factors, opportunities, market barriers, industry trends, and key player strategies.

Key Executives Interviewed

Key Data Information from Primary Sources

Primary Sources	Parameters	Key Data
Market Segments(by Application, by Type)	Value by Type Status and Forecast Value by Application Value by Regions, Status and Forecast (2021-2026)	Value Market Share by Type Value Growth Rate by Type Value by Application Percentage and Growth Rate by Application Value Growth Rate and Market Share by Regions Market Size Status and Forecast (2021-2026)
Total Market	Overall Size, Status and Forecast	Market Size Status and Forecast (2021-2026)