2004    •    Power, L. M. and T. K. Hira. University provided retirement planning support and retiree financial satisfaction during retirement: Differences by gender, job classification and planning behavior. Journal of Risk Management and Insurance Review. (in print)

2001    •    Hira, T. K. People behind money—As they hold it and fold it. Journal of Practical Estate Planning 3 (6): 45–62.

2000    •    Hira, T. K., M. Anderson, and K. Peterson. Students’ perceptions of their education debt and its impact on life after graduation. Journal of Student Financial Aid 30 (1): 7–19.

2000    •    Hira, T. K., and O. Mugenda. Gender differences in financial perceptions, behaviors, and satisfaction. Journal of Financial Planning 13 (2): 86–92.

2000    •    Hira, T. K., and K. W. Monson. A social learning perspective of gambling behavior among college students at Iowa State University, USA. Journal of Consumer Studies and Home Economics 24 (1): 1–8.

1999    •    Hira, T. K., and O. Mugenda. The relationship between self-worth and financial beliefs, behavior, and satisfaction. Journal of Family and Consumer Sciences 91 (4): 76–82.

1999    •    Hira, T. K., and O. Mugenda. Predictors of financial satisfaction: Differences between retirees and non-retirees. Financial Counseling and Planning 9 (2): 75–83.

1999    •    Power, M. L., T. K. Hira, and R. P. Murphy. Personal bankruptcy, a risk management technique: Policy implications. Risk Management and Insurance Review 2 (7): 81–102.

1997    •    Hira, T. K. Financial attitudes, beliefs and behaviors: Difference by age. Journal of Consumer Studies and Home Economics 21:271–90.

1997    •    Hira, T. K., K. Monson, and A. Fanslow. Work training skills of Iowa’s family investment program participants. Family Economics and Resource Management Bi-Annual Journal 2:1–7.

1996    •    Hira, T. K. Life for children and families in the ‘90s: Role of family economics. Journal of Family and Consumer Sciences 88 (3): 56–68.

1996    •    Hira, T. K. Ethics: Personal and professional implications. Journal of Family and Consumer Sciences 88 (1): 6–9.

1995    •    Hira, T. K., and K. Kostelecky. Pilot study of consumer debtors provides new insights: What influences debtors’ attitudes? American Bankruptcy Institute Journal 15 (3): 1,30–1,36–7.

1995    •    Hira, T. K., and K. Kostelecky. Methods of data collection from debtors in bankruptcy after discharge: A pilot study. Journal of the Family Economics and Resource Management Division of AAFCS (1): 101–7.

1994    •    Hira, T. K., and M. D. Norris. Financial planners’ perspectives on disclosure and regulation. Journal of Personal Financial Planning (November/December): 33–7.

1993    •    Sumarwan, U., and T. K. Hira. The effects of perceived locus of control and perceived income adequacy on satisfaction with financial status among rural households. Journal of Family and Economic Issues 14 (4): 343–64.

1993    •    Bauer, J. W., T. K. Hira, S. M. Wihelm, K. P. Varco, and T. Saji. The determinants of worry over chronic health conditions for rural couples. Journal of Family and Economic Issues 14 (3): 275–91.

1993    •    Fitzsimmons, V. S., T. K. Hira, J. W. Bauer, and J. L. Hafstrom. Financial management: Development of scales. Journal of Family and Economic Issues 14 (3): 257–74.

1993    •    Hira, T. K., V. S. Fitzsimmons, J. L. Hafstrom, and J. W. Bauer. Factors associated with expectation of household’s future financial condition. Journal of Family and Economic Issues 14 (3): 237–56.

1992    •    Garrison, M. E., and T. K. Hira. The effect of daily hassles, reported managerial behavior, family adaptability and family cohesion on family health. Family Perspective 26 (3): 361–82.

1992    •    Sumarwan, U., and T. K. Hira. Credit, saving, and insurance practices influencing satisfaction with preparation for financial emergencies among rural households. Home Economics Research Journal 21 (2): 206–27.

1992    •    Hira, T. K. Causes and effects of consumer bankruptcies: A cross-cultural comparison. Journal of Consumer Studies and Home Economics 16:229–43.

1992    •    Hira, T. K., and C. Brinkman. Factors influencing the size of student debt. Journal of Student Financial Aid 22 (2): 33–50.

1992    •    Hira, T. K., and V. Fitzimmon. Resource management of rural communities. Journal of Extension (Fall): 38–9.

1992    •    Hira, T. K., A. M. Fanslow, and R. M. Vogelsang. Determinants of satisfaction with preparation for financial emergencies. Financial Counseling and Planning Education 3:43–62.

1992    •    Wasberg, C. K., T. K. Hira, and A. M. Fanslow. Credit card usage consumer debt burden of households. Journal of Consumer Studies Home Economics 16:19–32.

1991    •    Hira, T. K., and T. J. Dufresne. Theses and dissertations completed in home economics: 1990. Home Economics Research Journal 20 (1): 52–89.

1990    •    Mugenda, O. M., T. K. Hira, and A. M. Fanslow. Assessing the causal relationship among communication, money management practices, satisfaction with financial status, and satisfaction with quality of life. Lifestyles: Family and Economic Issues 11 (4): 343–60.

1990  •   Hira, T. K. Changes in factors influencing consumer debt in Scottish families 1984–1987. Journal of Consumer Studies and Home Economics 14:165–75.

1990    •    Danes, S. M., and T. K. Hira. Knowledge, beliefs and practices in the use of credit cards. Home Economics Research Journal 18 (3): 223–35.

1989    •    Hira, T. K., and S. Nagashima. Satisfaction with selected aspects of household finances among Japanese. Journal of the Japan Society of Household Economics 5:179–92.

1989    •    Hira, T. K., A. M. Fanslow, and P. M. Titus. Changes in financial status influencing level of satisfaction in households. Lifestyles, Family and Economic Issues 10 (2): 107–22.

1989    •    Titus, P. M., A. M. Fanslow, and T. K. Hira. Effect of financial management knowledge of household money managers on behaviors and outputs. Journal of Vocational Home Economics Education 7 (1): 58–70.

1989    •    Titus, P. M., A. M. Fanslow, and T. K. Hira. Net worth and financial satisfaction as a function of household money managers’ competence. Home Economics Research Journal 17 (4): 309–18.

1989    •    Van Auken, H. E., T. K. Hira, and D. Norris. Study examines factors influencing success in financial planning. Journal of Financial Planning 2 (1): 37–43.

1987    •    Hira, T. K., and M. J. Mueller. The application of managerial system to money management practices. Iowa State Research Journal 62 (2): 219–34.

1987    •    Hira, T. K. Households’ financial management factors influencing solvency and satisfaction. Journal of the Japan Society of Household Economics 10 (3): 199–207.

1987    •    Danes, S. M., and T. K. Hira. Money management knowledge of college students. Journal of Student Financial Aid 17 (1): 4–16.

1987    •    Hira, T. K. Money management practices influencing household asset ownership. Journal of Home Economics 79 (2): 19–22.

1987    •    Hira, T. K., and O. Mugenda. Families’ perspective of the bankruptcy process. Family Perspective 21 (1): 59–67.

1986    •    Hira, T. K., D. M. Norris, and H. E. Van Auken. Fees for services: What determines the size of a financial planners’ annual income? Financial Planning 15 (11, November): 159–65.

1986    •    Hira, T. K., H. E. Van Auken, and D. M. Norris. Financial planning consumer: Who are they? What do they buy? Journal of the Institute of Certified Financial Planners 7 (4, Winter): 221–8.

1986    •    Hira, T. K., H. Van Auken, and D. Norris. A look behind the scene: A survey of how CFPs work. Journal of the Institute of Certified Financial Planners 7 (2, Summer): 69–85.

1985    •    Ulrichson, M. A., and T. K. Hira. The impact of financial problems on family relations. Family Perspective 19 (3): 177–88.

1983    •    Hira, T. K. Is Canadian bankruptcy law in accord with present economic situation? Canadian Home Economics Journal 33 (4): 206–8.

1982    •    Hira, T. K. Socioeconomic characteristics of families in bankruptcy. Canadian Home Economics Journal 32 (1): 26–34.

1982    •    Hira, T. K., and K. Leskiw. Importance of financial counseling for families in debt. American Home Economics Journal 4 (2): 28–30.

1980    •    Hira, T. K. Evaluation of small debtors program in Manitoba. Manitoba Law Journal 11 (1): 101–9.

Manuscripts under Review

Loibl, Caezilia and Tahira K. Hira.  Workplace Financial Education and Employee Financial Behavior:  The Role of Self-Directed Financial Learning.  The Journal of Financial counseling and Plannning.

Tahira K. Hira and Caezilia Loibl.  A gender perspective on the use of supplemental health care plans.  International Journal of Consumer Studies

Loibl, Caezilia and Tahira K. Hira.  Impact of Self-directed Financail Learning on Financial and Career Satisfaction of White-Collar Employees.  Financial Counseling and Planning

Loibl, Caezilia and Tahira K. Hira.  2004.  The Effect of Financial Conversation on Financial Learning and its Outcomes.  Financial Services Review

Books and Chapters in Books

1997    •    Hira, T. K. Application of financial counseling skills to work with delinquent clients. In Credit Counseling. Ed. T. Nishimura, 75–88. Tokyo, Japan: Oriental Economic Press.

1996    •    Hira, T. K., and A. Swift. Application of a resource management model to improve family financial well-being. In Family Resource Management Issues. Ed. L. Engberg, J. Varjour, and H. Steinmller, 109–13. International Federation of Home Economics (IFHE): Family Resource Management Committee. 

1996    •    Hira, T. K. Ethics: Personal and professional implications. In A Book of Readings: The Context for Professionals in Human, Family and Consumer Sciences. Ed. C. Simerly, H. Light, and D. Mitsifer, 163–6. Alexandria, Virginia: American Association of Family and Consumer Sciences.

1993    •    Hira, T. K. Determinants of effects of bankruptcy and satisfaction with bankruptcy (a solution to credit problems): An international comparison. In Cross-Cultural Approaches to Home Management. Ed. R. von Schweitzer, 18:177–211. Campus Verlag, Frankfurt Main, Giesen, Germany: Reihe Stifung Der Private Haushalt.

1989    •    Hira, T. K. Causes and effects of consumer bankruptcies. In International Comparative Research Studies: Consumer Bankruptcies. Tokyo, Japan: Research Institute of Labor Banks.

1988    •    Nagashima, S., T. K. Hira, S. Shirai, and Y. Otsuka. Life planning and family financial management. In Analysis of Current Conditions: Issues and Problems in Consumer Education. Ed. Dr. Mitsuaki Imai, 73–94. Tokyo, Japan: Japan Academy of Consumer Education.

1985    •    Hira, T. K. Impact of family financial management practice on household’s solvency status. In The Age of Home Economics. Ed. Ujie and Matsuda. Tokyo, Japan: Institute of Human Ecology.

Papers in Refereed Proceedings

2004    •    Hira, Tahira, K., Bridging the Divide in Chamging Societies:  The potential of and Challenges for Home Economics fro a Northern perspective (Invited Paper)  Proceedings of the International Federation of Home Economics, The 20^th World Congress August 1 – 7, 2004.  Kyoto, Jampan (pp 19-31) Science Council of Japan and the Japanese Society of Home Economics

2001    •    Hira, T. K., and M. Anderson. Financial beliefs, feelings, and behaviors of college students. In Proceedings of the Annual Conference of the Eastern Family Economics Resource Management Association, 40–61.

1999    •    Hira, T. K., and O. M. Mugenda. Do men and women differ in their financial beliefs and behaviors? In Eastern Family Economics and Resource Management, Association Conference Proceedings, 1–80. University of Texas, Austin, Texas.

1995    •    Hira, T. K., H. Noh, and M. Winter. Relationship between borrowing practices and financial difficulties among rural households. In Financial Empowerment: Financial Counseling and Planning Across the Life Cycle, ed. C. Y. Kratzer, 21–31. National Pre-Conference of the Association for Financial Counseling and Planning Education, New Orleans, Louisiana.

1994    •    Hira, T. K. Ethics: What we do? What do we teach? Implications for professionals. In Public Policy and Economic Well-being: The Financial Counselor’s Role, ed. R. H. Lytton, 213–324. VPI and State University, Blacksburg, Virginia.

1994    •    Hira, T. K., A. Swift, and K. L. Kostelecky. Development of a diagnostic instrument to identify family problems among financial counseling clients. In Public Policy and Economic Well-being: The Financial Counselor’s Role, ed. R. H. Lytton, 312–24. VPI and State University, Blacksburg, Virginia.

1993    •    Dufresne, T. J., and T. K. Hira. Bankrupts’ decision-making and coping process: A relationship among pre-bankruptcy factors. In Challenges for Financial Counseling and Planning Professionals, ed. V. S. Fitzsimmons, 160–71. University of Illinois, Urbana, Illinois.

1993    •    Hira, T. K., and U. Sumarwan. Predictors of financial strain and satisfaction with financial status of rural elderly. In Diversity Among Economically Vulnerable Households, ed. E. Davis and J. Gilbreth, 190–214. Family Economics and Home Management, pre-conference, University of Nebraska, Lincoln, Nebraska.

1992    •    Hira, T. K. The rehabilitative aspect of consumer bankruptcy procedures. In Mind and Money: The Quest for Financial Control and Stability, ed. D. Iams, 120–38. The Association for Financial Counseling and Planning Education Annual Conference, The University of Arizona, Tucson, Arizona.

1991    •    Mugenda, O., T. K. Hira, and A. Fanslow. Influence of net worth, financial planning and satisfaction with quality of life. In Financial Challenges for the Twenty-first Century, ed. Sharon Danes, 141–55. Association for the Financial Counseling and Planning Education, University of Minnesota, St. Paul, Minnesota.

1990    •    Hira, T. K. Causes and effects of consumer bankruptcies: An international comparison. In Many Perspectives Coming Together, ed. Robert Weagley, 21–38. Association for Financial Counseling and Planning Education, University of Missouri, Columbia, Missouri.

1988    •    Hira, T. K. Money management practices and satisfaction with various aspects of households’ finances among Japanese. In Families and Finances: Agenda for the Future, ed. William C. Bailey, 29–43. Association for Financial Planning and Counseling Education, Lubbock, Texas.

1988    •    Mugenda, O. M., T. K. Hira, and A. M. Fanslow. Effect of spousal communication on household’s satisfaction with financial situation and quality of life. In Proceedings of the American Council on Consumer Interest, 151–4. University of Missouri, Columbia, Missouri.

1987    •    Hira, T. K., D. Norris, and H. Van Auken. Certified female financial planners: How they differ from male planners. In Academic Symposium Proceedings, 209–28. International Association for Financial Planning. Atlanta, Georgia.

1986    •    Hira, T. K., D. Norris, and H. Van Auken. Certified financial planners: A practice profile. In Quality Control in an Emerging Profession, ed. K. Kitt, 96–107. Association for Financial Counseling and Planning Education, Chicago, Illinois.

1986    •    Hira, T. K., D. Norris, and H. Van Auken. Factors influencing levels and methods of setting financial planning fees. In Academic Symposium Proceedings, 25–36. International Association of Financial Planning, Chicago, Illinois.

1986    •    Dane, M. S., and T. K. Hira. Knowledge, attitudes, and practices in the use of credit. 234–60. In American Council on Consumer Interest Proceedings. St. Louis, Missouri.

1985    •    Hira, T. K., H. Van Auken, and D. Norris. Certified financial planners: Their products, services and strategies. In Academic Symposium Proceedings for Financial Planning, 51–70. International Association for Financial Planning, Anaheim, California.

1985    •    Hira, T. K., and C. Fletcher. Impact of technology on deregulation on personal financial management. In Thinking Globally-Acting Locally—The Balancing Act, ed. S. Nickols, 207–15. The Family Economics/Home Management Pre-Conference Workshop, The American Home Economics Association, Temple University, Philadelphia, Pennsylvania.

1984    •    Mueller, J., and T. K. Hira. Impact of selected money management practices on household solvency status. In Consumer Responsibility/Corporate Responsibility, ed. K. Goebel, 76–9. American Council on Consumer Interest, 30th Annual Conference, Atlanta, Georgia.

1983    •    Ulrichson, A., and T. K. Hira. The effect of exemption regulations on personal bankruptcies. In Changes in Economic Policy—Implications for Family Well-Being, ed. J. Burton, 42–7. Annual Western Regional Family Economics and Home Management.

Refereed Abstracts

2004    •    Hira, T. K., and Caezilia Loibl. Financial education and the use of advanced health insurance  among female employees. Research and practioners paper Abstracts (p.74).  The 20^th World Congress of Internal Federation of Home Economics.  Kyoto Japan

1996    •    Hira, T. K., K. L. Kostelecky, and H. Carr. Childhood experiences influencing current financial situations of college students in the U.S. and New Zealand. [abstract] In Living Conditions: A Global Responsibility: The Role of Home Economics, ed. Brittin et al., 44. International Federation of Home Economics. World Congress Research Abstracts, Texas Tech, Lubbock, Texas.

1994    •    Strand, J. K., T. K. Hira, and R. B. Carter. Repeat consumer bankruptcy: A comparative analysis with one-time petitioners in the United States and Canada. [abstract] In Public Policy and Economic Well-Being: The Financial Counselors’ Role, ed. R. H. Lytton, 142. VPI and State University, Blacksburg, Virginia.

1993    •    Hira, T. K., and M. D. Norris. Differences in opinions about disclosure and regulation among certified financial planners. [abstract] In Challenges for Financial Counseling and Planning Professionals, ed. V. S. Fitzsimmons, 228. University of Illinois, Urbana, Illinois.

1993    •    Fanslow, A., N. Helgerson, and T. K. Hira. Money manager’s competencies over time: Their effect on capital accumulation. [abstract] In Research Abstracts of 1993 American Home Economics Annual Meeting, ed. S. Helmick and L. Burns. Oregon State University, Corvallis, Oregon.

1992    •    Hira, T. K., and S. Nagashima. Attitude toward credit, lending and borrowing practices affecting consumers in bankruptcies: An international comparison. [abstract] In Focusing on Families and Households: Change and Exchange, 31. XVII World Congress of the International Federation of Home Economics, Hanover, Federal Republic of Germany.

1992    •    Hira, T. K., N. Wolf, and A. Fanslow. Factors influencing the level of household savings. [abstract] In Annual Meeting of the American Home Economic Association, ed. S. Helmick, 125. Oregon State University, Corvallis, Oregon.

1991    •    Sumarwan, U., and T. K. Hira. Perception of income adequacy and control over financial situation as predicator of subjective economic well-being. [abstract] In Family Economic Well-Being in the Next Century, ed. J. Bauer, 63. University of Minnesota, St. Paul, Minnesota.

1991    •    Hira, T. K., and U. Sumarwan. The impact of chronic health conditions and financial strain on the subjective economic well-being. [abstract] In Family Economic Well-Being in the Next Century, ed. J. Bauer, 60. University of Minnesota, St. Paul, Minnesota.

1990    •    Sumarwan, U., and T. K. Hira. Financial management practices influencing satisfaction with household’s financial status. [abstract] In Abstracts of Research Presentations 1990 Annual Meeting, ed. C. J. Peck, 37.  American Home Economics Association. Bloomington, Illinois: Meridian Education Corporation.

1989    •    Hira, T. K., and K. P. Varco. Use of consumer debt and satisfaction with level of living among rural older adults. [abstract] In Families in Transition: Structural Changes and Effects on Family Life, ed. R. Walker, 205. American Home Economics Associations, Alexandria, Virginia.

Non-refereed Papers (Proceedings and Other)

1997    •    Hira, T. K., K. Monson, and C. Ingram. Gambling: Impact on family and family finances. In Gambling and the Family. Conference Proceedings, ed. D. Draper and C. Johnson. The College of Family and Consumer Sciences, Iowa State University, Ames, Iowa.

1997    •    Hira, T. K., C. Ingram, and K. Monson. Gambling among college students—Their behaviors and beliefs. In Gambling and the Family. Conference Proceedings, ed. D. Draper and C. Johnson. The College of Family and Consumer Sciences, Iowa State University, Ames, Iowa.

1995    •    Hira, T. K. Credit counseling for insolvent debtor: Implications for debtors and creditors. In Credit Age. 10–11 March, Japan Consumer Finance Association, Osaka, Japan.

1995    •    Hira, T. K. Determinants of saving behavior of American consumers. In Credit Age. 4–9 March, Japan Consumer Finance Association, Osaka, Japan.

1995    •    Hira, T. K. The credit problems of the US consumers and role of financial counseling. In Credit Age. 4–9 March, Japan Consumer Finance Association, Osaka, Japan.

1990    •    Hira, T. K. Financial planning software. Advancing Consumer Interest 2 (2): 31–2.

1988    •    Hira, T. K., and T. L. Frey. Personal financial planning as a potential extension education program. In The New Agricultural (conference proceedings), 2–13. North Central Regional Extension Farm Management, Ames, Iowa.

1987    •    Swift, A. V., and T. K. Hira. Household interaction patterns in family finance area. 190–214. 16^th Annual Conference, Southeastern Regional Family Economics and Home Management, Tennessee.

1986    •    Hira, T. K. Financial management practices of two-income households. In Consumer Services for the Family: 15th Annual Conference, ed. G. Pyles, 57–62. Southeastern Regional Family Economics and Home Management, Akron, Ohio.

1985    •    Hira, T. K. Determinants of household asset ownership. In 14^th Annual Conference Proceedings, Southeastern Regional Family Economics and Home Management, 5–10. Louisiana State University, Baton Rouge, Louisiana.

1984    •    Hira, T. K., and O. Mugenda. The evaluation of bankruptcy process in Iowa. In Productivity: Families Work, and the Economy, ed. I. Leech, 142–51. 13^th Annual Conference, Southeastern Regional Family Economics and Home Management, Virginia Polytechnic State University, Blacksburg, Virginia.

Technical Reports

2002    •    Lean Personal Financial Management: Key to Employee Financial Well-Being. Educator’s Manual; Student Manual. Iowa State University, University Extension. Iowa Manufacturing Extension Partnership.

2001    •    Hira, T. K., and F. M. Itote. Impact of Financial Education on Employee Well-Being and Loyalty: A Longitudinal Study. Ernst and Young. June. Iowa State University, Ames, Iowa.

2000    •    Hira, T. K., and L. S. Power. Assessment of Employer Provided Retirement Planning Support and Employer Satisfaction During Retirement. Iowa State University, Ames, Iowa.

2000    •    Hira, T. K. Employee Financial Well-Being and Company Loyalty. Ernst and Young. February. Iowa State University, Ames, Iowa.

1997    •    Hira, T. K., K. Monson, A. M. Fanslow, and K. J. Kim. Evaluation of Training Programs that Assist Family Investment Program Participants Move Toward Self-Sufficiency. Child Welfare Training Research Project. Iowa State University. Ames, Iowa.

1997    •    Hira, T. K. A Study of ISU Faculty and Staff Professional Development Experiences. June. For President’s Office. Iowa State University. Ames, Iowa.

1996    •    Hira, T. K. Strategic Planning Progress during 1995–1996: Highlights and Benchmark Measures. October. For President’s Office. Iowa State University. Ames, Iowa.

1996    •    Hira, T. K., K. Monson, and A. M. Fanslow. Formulative Evaluation of the Progress of Review and Adjustment Unit (REVAD) Participants in Gaining Job Skills. Child Welfare Training and Research Project. Iowa State University. Ames, Iowa.

1989    •    Hira, T. K. Evaluation of Bankruptcy Procedures and Proposal for New Directions. Prepared for the Deputy Superintendent of Bankruptcy. Consumer and Corporate Affairs Canada. Ottawa/Hull.

1989    •    Hira, T. K. Causes and Effects of Consumer Bankruptcies—An International Comparison: United States, Canada, Scotland, and Japan. Prepared for Rodo-Kinko Kyokai. Labor Bank Association. Tokyo, Japan.

1987    •    Hira, T. K. Analysis of Debt Structure of Scottish Families: 1984–1987. Prepared for the Scottish Association of Citizens Advice Bureau. Edinburgh, Scotland, UK.

1979    •    Hira, T. K. A Study of the Small Debtor Program in Manitoba: 1973–1977. Prepared for Consumer and Corporate Affairs. Office of the Superintendent of Bankruptcy. Manitoba, Canada.

Published Book Reviews

1993    •    Hira, T. K. Review of Buy Now, Pay Later: Advertising, Credit, and Consumer Durables in the 1920s, by Martha L. Olney. Chapel Hill, North Carolina: The University of North Carolina Press. Journal of Consumer Affairs, 27 (1): 196–9.

1981    •    Hira, T. K. Review of Life Insurance: The Consumer Union Report. Canadian Home Economics Journal (Spring): 107.

1979    •    Hira, T. K. Review of Social Psychological Representation in Television Advertising, by T. E. Shrimp. Journal of Consumer Affairs. Canadian Home Economics Journal (Fall): 206.