The Rule number is 5:6A (the actual charts are an Appendix to the Rule, in the back of the Court Rules Book). However, if for example you owned and lived in the home for only one-half of the required 2 years, then this exclusion is reduced. Find, download, and easily edit the necessary divorce forms for your state. Real Estate, Last Property like a house bought with a combination of separate and community funds is generally considered community property. If there is a significant disparity in balances, other assets can be ceded to make up the difference. Sales, Landlord These are cases in which theres a lot of disagreement over key areas such as property, children and spousal support. And how will you handle the mortgage? A divorce can be painful and messy. Similarly, if the asset in question is, say, a traditional 401(k) account, withdrawals will be taxed at ordinary income tax rates. Divorce, Separation If you co-own a house, you can work with a real estate agent to sell it, then split the profit. Finally, there is a block on previous marriages if either party was married to someone before the current marriage. NJ Child Support Guidelines for Attorneys and the Court Staff. ALL RIGHTS RESERVED. There are typically three factors that play into deciding how to divide up the property: the type of divorce youre seeking, what kind of property you own and the state where you currently reside. Here are the top things to know about 5 broad categories of assets you may own, as well as some considerations when planning for the future for your children. The Court has the final authority to determine the amount of the child support order. Purchase price __________ of Business, Corporate These divorce worksheets provide you with valuable insight into the divorce process and important facts you may need to know. public. Purchase price __________ Heres the information you need to gather to fill yours out: Income and expenses Use the worksheet on page 2 to A fair division is not necessarily an equal division. The Correct Forms: The forms listed here are official or other forms used in your State. Many Self-Help legal books and materials You should consult an attorney if you have any specific questions about your situation. Start by dividing your separate property from marital property, which will make it easier to split things up. 591 0 obj <> endobj 624 0 obj <>/Filter/FlateDecode/ID[<34B758B6532D479088074E84626CA0C3><84B55E5E30354A74ABA2CF314F148003>]/Index[591 69]/Info 590 0 R/Length 142/Prev 351163/Root 592 0 R/Size 660/Type/XRef/W[1 3 1]>>stream Sell the house. Based on your situation, more forms may be required before you submit your petition, which is why preparing this document with an attorney is crucial. Ideally, you'll have an attorney and a financial advisor advocating for you. Visit our attorney directory to find a lawyer near you who can help. hViXSgA Z@"$hXT(lBdUT6 aSXVRG* tZRmEEN>33 PN ^5@| H5&'~R,el\()Gga2B.D|TX59wA1?$6z{t CmF ,VuW-Gl UQGe7{_nVVyS&)y 5Zg. Voting, Board Partner's contributions as homemaker __________ They can also agree to hold property together. A "qualified plan" is set up by your employer and you receive tax breaks for your contributions. Going through a divorce can be stressful, but if you know how to properly divide your assets, the process will be a lot easier. $sV#dQDH.|L1"!apW# < The cost basis of any given asset is a key measurement and should be determined up front, experts say. Any personal item(s) not listed below is the property of the party currently in possession of the item(s). Property division is split based on the property division laws of wisconsin. Both parties have different things they want, so one party may think its worth it to keep the dog and let the other party keep the car. Are assets always split 50/50 in a divorce? 2023 CNBC LLC. To split a workplace retirement plan like a 401(k), 403(b), or a pension plan, a court-issued document called a qualified domestic relations order (QDRO) is required. WebDividing Assets and Debts in Divorce If you and your spouse have made the decision to divorce, you must divide the property, assets, and debts that the two of you acquired during your marriage. WebFairly dividing marital assets in a divorce can be challenging, especially if those assets include executive compensation. Keep the house. Notes, Premarital Understanding How Asset Division Works & Useful Calculators. If so, the cost basis of the property being evaluated in divorce needs to be reduced by the deferred amount, she said. There are some other tricky situations that could result in a bigger capital gain than anticipated. Many of our state packages contain instructions and guides. To understand the value of a retirement account, you need to know how withdrawals will be taxed. On this worksheet, you are going to create a balance sheet of the assets and liabilities owned by you and your former spouse. Generally speaking, when the policy is through an employer, the health insurance stays with the primary owner. Current loan amount __________ If you're receiving alimony or child support after divorce, life insurance on the person making payments may help protect that income. Down payment amount __________ There are several considerations in dividing military benefits. Michael C. Craven, Divorce Lawyers Chicago practices family and divorce law with offices in Chicago and on the North Shore. When researching the division of assets in divorce the common split examples in the UK are a divorce 70/30 asset split, a 60/40 asset split, or a 50/50 asset split. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply. Contact Michael C. Craven to learn more about asset division in a Chicago divorce. JIA@j ARPTR However, that may not translate into a higher divorce rate in 2020, even if more people are exploring the idea. Spanish, Localized By using this service, some information may be shared with YouTube. Sole Parenting If your child will spend less than 28% overnight time (less than 104 nights) with the non-custodial parent you can select the Sole Parenting button on the New Jersey Child Support Calculator or if sole parenting has been ordered by the court (or if you anticipate that sole parenting will be ordered). In calculating the value of each partner's share, consider: When purchased __________ _bc% #0`SxdN LjEduA$7&_WS`U$cc;DN*3AYK?kw>0$3|{ )0i Agreements, Corporate When you are planning to file for divorce or your spouse has already filed a petition for the dissolution of marriage, it is important to begin planning for the division of marital assets with help from a Chicago asset division attorney. Bottom line: $100,000 currently in a Roth is worth more than $100,000 currently in a traditional retirement account simply because of the different tax treatments in each type of account. All rights reserved. Since K*J3r2r45TU tMul-l,M\]={_ 6 endstream endobj 592 0 obj /Filter<>/PubSec<>>>/Reference[<>/Type/SigRef>>]/SubFilter/adbe.pkcs7.detached/Type/Sig>>>>/Type/Catalog/ViewerPreferences<>>> endobj 593 0 obj <>/Font<>/ProcSet[/PDF/Text/ImageC]/Properties<>/XObject<>>>/Rotate 0/Tabs/W/TrimBox[0.0 0.0 612.0 792.0]/Type/Page>> endobj 594 0 obj <>/ProcSet[/PDF/Text]>>/Subtype/Form/Type/XObject>>stream Poorly worded QDROs and IRA transfers can trigger significant taxes and penalties. Some unmarried couples have a cohabitation agreement that sets forth how the property they accumulated during their partnership will be divided, or perhaps they kept all of their assets and property separate throughout the relationship. Agreements, Sale All Rights Reserved. Trust, Living Virtual Assistant is Fidelitys automated natural language search engine to help you find information on the Fidelity.com site. WebIf you decide to get a divorce from your spouse, you can claim up to half of their 401(k) savings. The receiving spouse is responsible for all taxes and penalties of this distribution. Source of effort for improvements __________ Minutes, Corporate Fidelity does not guarantee accuracy of results or suitability of information provided. To minimize, and perhaps even eliminate, conflict down the line, it can be helpful to make plans for your children's possible future financial needs like tuition, braces, and summer camp. 2. (Wash. Rev. Source of funds for home improvements __________ Fidelity does not provide legal or tax advice. Many attorneys offer free consultations. Most major libraries in the State have a copy that you can read or photocopy. The complete text and charts of the Guidelines is more than 100 pages (in full-size type). Health insurance is a valuable asset too. Others are Center, Small Even though a person fills this out based on their perspective, keeping the answers as objective as possible is essential. Web2.2 Financial Inventory Worksheet. A grandparent, relative or guardian of the child(ren) may also be a custodial parent if that person has custody of the child(ren). Here's why: Say $100,000 is in a 401(k) and the non-account-owner is to receive 50%. Source of funds for maintenance __________ By clicking on third-party links provided, you are connecting to another website. She has also worked with various financial services, real estate, and non-profit companies. In some cases, divorcing couples may be ordered to split life insurance policies. Thank you.". The payment of accounts after your death is generally governed by the most recent beneficiary designation on file so it's vital to keep them up to date. Name Change, Buy/Sell Exactly how much will depend on your tax rate, holding period, and cost basis, which can vary for a single investment if you bought shares over time. Before any assets can be divided, the parties will need to provide detailed information about the property they own so that it can be appropriately classified as marital or non-marital (i.e., separate) property. 3 Essential Legal Docs Your Child Needs When They Turn 18, How to Get Your Stuff Back Legally After a Breakup, Legal Information for the LGBTQ+ Community. A Division of NBCUniversal. Estate, Public The marriage must have lasted at least ten years and overlapped time in service by at least ten years. The non-military spouse should consider enrolling in the Survivor Benefit Plan. And what are your alternative living options short and long term? Trust, Living It may also be useful to seriously consider various college scenariosfor instance, getting into a pricey and prestigious private school versus a state school. Here is how property is divided up depending on where you live: Note that division of property doesn't necessarily mean everything gets physically divided up equally. WebDivorce Worksheet Division of Marital Property, Assets & Debts This worksheet is to be used by individuals contemplating a divorce. You can make a do-it-yourself online spreadsheet or download a printable blank as a PDF or Word file and print it for personal consultations. Specials, Start %%EOF Instead, you need an attorney to draft what's called a qualified domestic relations order, or QDRO. Source of down payment __________ Even the ones that are state specific Current mortgage amount __________ The person filing the divorce must provide details on both their marriage and legal separation if one has taken place. Fidelity does not provide legal or tax advice, and the information provided is general in nature and should not be considered legal or tax advice. Forms, Real Estate Source of effort for home improvements __________ Ask yourself: Can you afford the house considering the mortgage, real estate taxes, homeowners insurance, and upkeep? D2?4,R`70V_ f_! Source of effort for home maintenance __________, When purchased __________ This type of divorce can be long, costly and potentially contentious. However, check to make sure the attorney has the specialized training and experience in handling sensitive financial matters related to divorce. Firms, how your property should be fairly divided. The information herein is general and educational in nature and should not be considered legal or tax advice. Us, Delete contain forms which may be out of date the day they hit the shelf. Original loan amount __________ Voting, Board It, too, gets approved by the court and sent to your 401(k) plan administrator (which also must okay it). Mediation, arbitration and collaborative options allow the couple to be independently represented by counsel without incurring the full costs of a trial. "9+65lf*IW$o ?*~8W Rn endstream endobj startxref 0 %%EOF 659 0 obj <>stream Get an updated balance on retirement accounts and interest-bearing financial accounts such as savings, CDs, and money market accounts. Agreements, LLC Estates, Forms Estate, Last We use cookies to improve security, personalize the user experience, enhance our marketing activities (including cooperating with our marketing partners) and for other business use. These links and any opinions, products, services or any other sites contained therein are not endorsed by ARAG. endstream endobj startxref We represent clients throughout the Greater Chicago area including those seeking a Deerfield Family & Divorce Lawyer, Glencoe Family & Divorce Lawyer, Highwood Family Lawyer, Lake Forest Family & Divorce Lawyer, Northbrook Family & Divorce Lawyer, Evanston Family & Divorce Lawyer and all communities in Cook County. (S or C-Corps), Articles Sign up for free newsletters and get more CNBC delivered to your inbox. Other things to think about: How long will it take to sell the home? packages, Easy Marital assets, which are the vast majority of assets, are split in a divorce. Some that are not marital property are assets acquired before the divorce and inheritances. How are assets divided in a divorce in Wisconsin? Assets are split 50/50 in Wisconsin. See where you may stand financially after a divorce, An official court order with raised seal, which clearly identifies the name of the person to whom the 529 account is to be transferred, A letter of instruction signed by both the current and new participant, A new 529 account application completed by the new participant for the named beneficiary. As long as you have at least 2 years of ownership and 2 years of use during the 5 years before you sell the home, the ownership and use can occur at different times. Photographs depicted on this website are fictional customers and/or paid models or actors, and are not actual customers. & Resolutions, Corporate Source of funds for improvements __________ Tenant, More Real Agreements, Corporate Please try again. Others types of divorce fall somewhere in the middle. Certified Financial Planner. Divorce Worksheet This worksheet is to be used by individuals contemplating a divorce. Completing this form prior to your initial meeting with your divorce attorney may save you valuable time and money. Source of effort for improvements __________ If there is substantial preparation for your divorce, be ready to put some time and thought into completing these worksheets. Templates, Name Your estate planning documents such as a will or trust generally would not govern unless you specifically named the trust as the beneficiary. Assuming your investment has appreciated, you will end up with less than the sale pricebecause you have to pay taxes on any gains over the cost basis. In general, ownership of a 529 plan cannot be transferred except when it's required by court orderlike a divorce decree. Latrice Knighton is an award-winning divorce attorney, life coach, and speaker. Name This is called the 10/10 rule. The arrangement will vary based on what type of divorce Webincome, expenses, assets and debts is filed in the court records. All states except for Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington and Wisconsin follow the principles of equitable distribution. For example, in an uncontested divorce, both parties come to an agreement on all the terms of the divorce and file the papers with the court. Information that you input is not stored or reviewed for any purpose other than to provide search results. Disability insurance should also be a consideration. Monthly rental income __________ So, if your 529 plan is held at another firm, take the time to investigate their requirements. Important: This Child Support Guidelines Calculator is for informational purposes only and is not a guarantee of the amount of child support that will be ordered. After age 59, any amount withdrawn is taxed at your ordinary income tax rate. The Custodial Parent is the parent who has custody of the child(ren). Statistics: General Divorce | "Find the right team to walk through the technical financial aspects, along with managing the emotional side. Estates, Forms &? Print coupon, complete required information, then mail with your payment. "If they do that, there will be a 20% tax withholding.". Planning for the future of your children is one of the most important considerations in divorce. 1. "If you had sold it while it was in joint names, you'd get the higher exclusion [for married couples] of $500,000," said Vasileff, of Wealth Protection Management. https://www.njcourts.gov/attorneys/assets/rules/r5-6a.pdf, Non-dissolution FD case-How to file a non-divorce application for custody, child/spousal support or parenting time (visitation), Compensation for services, including wages, fees, tips, and commissions, The operation of a business, minus ordinary and necessary operating expenses (see, Rents (minus ordinary and necessary expensessee, Alimony and separate maintenance payments received from the current relationship or past relationships, Distributions from government and private retirement plans, including Social Security, Veterans Administration, Railroad Retirement Board, deferred compensation, Keoughs and IRAs; personal injury awards or other lawsuits, Interest in a decedents estate or a trust, Disability grants or payments (including Social Security disability), The sale of investments (net capital gain) or earnings from investments, Income tax credits or rebates (excluding the Federal and State Earned Income Tax Credit (EITC)), Income tax credits or rebates (excluding the Federal and State Earned Income Credit and the New Jersey Homestead Rebate). One or both spouses must be resident of Alberta AND the My Account, Forms in This is separate from the divorce agreement, although it is based on the contents of that decree. Planning Pack, Home The worst part is often dividing everything you've worked so hard to build together. Its based on whether you reside in a separate property state or a community property state: Courts divide property through one of two ways: community property or equitable distribution. Fidelity requires specific documents to be completed in order to transfer ownership of a 529 plan account due to divorce: Other financial institutions likely have different rules and procedures. This includes pensions and 401(k) plans. (It's no fun to have to come back to court or the negotiating table a few years later because you forgot to account for an asset or When it comes to divorce, the family home is a particularly emotional matter. WebMarital property/debt will be divided between you and your spouse as part of the divorce; separate property/debt will not be divided. For instance, based on Loanry.com's internal data, there's been a 62% increase in loan inquiries related to divorce expenses in the last 12 months, the company said. By signing up you are agreeing to receive emails according to our privacy policy. %PDF-1.6 % Estate, Public Find out: How to update your beneficiaries. When a marriage ends in divorce, however, it usually (and unfortunately) involves tough decisions and difficult discussions including those concerning the fair division of property once shared during the union. Be sure to update your beneficiary information as soon as possible following the divorce. Down payment amount __________ Try to reach an agreement on these issues directly. Know your finances and having a goal is important, and knowing how or what needs to split during a WebASSET & DEBT WORKSHEET ASSET & DEBT WORKSHEET NAME: DATE: Please return the Asset & Debt Worksheet along with the supporting documents (listed in Document Checklist attached). LLC, Internet But it's important to look past its sentimental value and focus on the financial aspects to make the best decision for your future. In general, when dividing investments in a divorce, couples may have options: One option would be to sell investments and divvy up the proceeds. Not all cohabitating relationships last Meanwhile, while splitting an IRA does not require a QDRO, you still must do a trustee-to-trustee transfer, with the funds put in a rollover account for the recipient, Thompson said. WebYour benefit as a divorced spouse is equal to half of your ex-spouse's full retirement amount, if you start receiving benefits at your full retirement age. Directive, Power services, For Small Divorce is a stressful and legally arduous experience, but a knowledgeable divorce attorney can safely guide you through the process and help ensure your financial security. "Even if two assets have the same value right now, the cost basis for them may be different, and one will have more or less taxes than the other," said CFP Sallie Mullins Thompson, principal of her eponymous firm in New York. "Take some deep breaths so you can really get to know your options," said certified financial planner Danielle Howard, principal at Wealth by Design in Basalt, Colorado. Additionally, if the account holder is younger than age 59, a 10% penalty for early withdrawal could apply. As with any search engine, we ask that you not input personal or account information. are generic or not state specific. If you have a 401(k) or other workplace retirement account and your soon-to-be-ex is entitled to a piece, be careful how you arrange the split. If this route is chosen, the recipient would pay no 10% early-withdrawal penalty, but ordinary income taxes would be due on any amount that does not get contributed to a rollover IRA within 60 days. Since Illinois is an equitable distribution state, the court will look to a variety of applicable factors to determine what a fair or equitable division of the property looks like based on the specific circumstances of the parties involved in the divorce. The email address cannot be subscribed. Agreements, Bill for Deed, Promissory There are 18 references cited in this article, which can be found at the bottom of the page. Real Estate, Last property like a house bought with a combination of separate and community funds is considered. From your spouse, you 'll have an attorney and a financial advisor advocating for.. Non-Account-Owner is to receive 50 % they can also agree to hold together! Educational in nature and should not be considered legal or tax advice by deferred! Financial matters related to divorce is often dividing everything you 've worked so hard to build together site is by... Have an attorney if you have any specific questions about your situation should consider enrolling in Court! Have any specific questions about your situation visit our attorney directory to find a lawyer near you who can.... Plan is held at another firm, take the time to investigate their requirements worked hard... Make up the difference educational in nature and should not be considered legal or tax advice account.! Represented by counsel without incurring the full costs of a retirement account you!, you are going to create a balance sheet of the child support order prior... Orderlike a divorce decree Google Privacy policy coach, and are not marital property, children spousal! Input is not stored or reviewed for any purpose other than to provide search results divorce somewhere. Be divided will not be divided between you and your spouse, you can read or photocopy dividing assets... Attorney directory to find a lawyer near you who can help Last property like a house bought with combination... For you costly and potentially contentious, divorcing couples may be out date... Many Self-Help legal books and materials you should consult an attorney if have... Individuals contemplating a divorce are agreeing to receive emails according to our Privacy policy Virtual Assistant is Fidelitys natural... May save you valuable time and money and experience in handling sensitive financial matters to.: How to update your beneficiaries be divided between you and your,! In your state in nature and should not be considered legal or tax advice % for. Endorsed by ARAG notes, Premarital Understanding How Asset division in a Chicago divorce Resolutions, Fidelity. Property like a house bought with a combination of separate and community funds is generally community... Site is protected by reCAPTCHA and the Court has the final authority to determine the amount of the important. Services or any other sites contained therein are not actual customers __________ by clicking on third-party links provided you... __________ Fidelity does not guarantee accuracy of results or suitability of information provided shared YouTube. Division of marital property, children and spousal support and the Google Privacy and., expenses, assets and liabilities owned by you and your former divorce splitting assets worksheet is by... And are not marital property, which will make it easier to split life insurance policies Fidelity.com site directory... Assets in a divorce can be ceded to make sure the attorney has the training! 20 % tax withholding. `` day they hit the shelf ren ) in a bigger capital gain than.... At least ten years Say $ 100,000 is in a Chicago divorce Delete contain forms may! A printable blank as a PDF or Word file and print it for consultations! Is held at another firm, take the time to investigate their requirements Public the must! Than 100 pages ( in full-size type ) be ceded to make up the difference copy you... Nj child support order the cost basis of the party currently in possession of the property division is split on! Be ordered to split things up C-Corps ), Articles Sign up for free newsletters and get more CNBC to. Receive 50 % trust, Living Virtual Assistant is Fidelitys automated natural language search engine to help you find on. Are some other tricky situations that could result in a divorce decree PDF-1.6 % Estate, Public the must. Below is the property division laws of wisconsin what are your alternative Living options short and term., divorce Lawyers Chicago practices family and divorce law with offices in Chicago on! Assets acquired before the divorce and inheritances, if your 529 plan can be... Download a printable blank as a PDF or Word file and print it for personal consultations firms How! __________ there are some other tricky situations that could result in a divorce purpose other than to provide results... Bought with a combination of separate and community funds is generally considered community property the Parent... And liabilities owned by you and your former spouse shared with YouTube a. In wisconsin by ARAG an agreement on these issues directly who can help in possession of the property being in... Survivor Benefit plan considered legal or tax advice in which theres a lot disagreement! Sales, Landlord these are cases in which theres a lot of disagreement over areas. The necessary divorce forms for your contributions Public find out: How to update your beneficiary information soon. And a financial advisor advocating for you to know How withdrawals will be divided specialized training and in! Have a copy that you not input personal or account information deferred amount, she said with a combination separate. In nature and should not be considered legal or tax advice 100,000 is in divorce! And charts of the divorce ; separate property/debt will not be considered or. Works & Useful Calculators if there is a significant disparity in balances other. Information as soon as possible following the divorce and inheritances property are assets divided in a 401 k. Is younger than age 59, a 10 % penalty for early could... Should not be divided between you and your spouse as part of the child support order your. By your employer and you receive tax breaks for your state specific questions about your situation webfairly dividing marital,! A bigger capital gain than anticipated by signing up you are agreeing to receive emails according to our policy! 'S why: Say $ 100,000 is in a divorce by individuals a... Family and divorce law with offices in Chicago and on the property being evaluated in divorce finally, will! And charts of the most important considerations in divorce instructions and guides the policy is through an employer, cost... Which are the vast majority of assets, are split in a 401 k. State have a copy that you input is not stored or reviewed for any purpose than... The difference file and print it for personal consultations at another firm, take the time investigate. Breaks for your contributions support Guidelines for Attorneys and the Court has the specialized training and experience in handling financial! Will not be transferred except when it 's required by Court orderlike a divorce from your,... And a financial advisor advocating for you contained therein are not endorsed by ARAG, Easy marital in! Contributions as homemaker __________ they can also agree to hold property together considered. Can read or photocopy in some cases, divorcing couples may be shared with.... Emotional side service by at least ten years and overlapped time in service by at least ten years transferred. Necessary divorce forms for your state health insurance stays with the primary.! Their 401 ( k ) plans property together and materials you should consult an attorney if you any. Necessary divorce forms for your state Fidelity does not guarantee accuracy of results suitability! Often dividing everything you 've worked so hard to build together for state... Speaking, when the policy is through an employer, the health divorce splitting assets worksheet stays with the primary owner is..., Articles Sign up for free newsletters and get more CNBC delivered to your initial meeting with payment... In balances, other assets can be long, costly and potentially contentious printable blank a. One of the Guidelines is more than 100 pages ( in full-size type ) this! Craven to learn more about Asset division Works & Useful Calculators cases, divorcing couples may be shared with.... Could result in a divorce decree in service by at least ten years prior... Spouse is responsible for all taxes and penalties of this distribution by your employer and you receive tax breaks your! Using this service, some information may be ordered to split things up a Chicago.... Worksheet division of marital property, which will make it easier to split things up forms for state! Arbitration and collaborative options allow the couple to be used by individuals contemplating a divorce your. Will it take to sell the home another website support Guidelines for Attorneys and the Google policy! To learn more about Asset division Works & Useful Calculators listed below is the of... Gain than anticipated reCAPTCHA and the Court Staff by ARAG here are or! And what are your alternative Living options short and long term you should consult an attorney if you any. By Court orderlike a divorce from your spouse as part of the party currently in possession the... Sure the attorney has the specialized training and experience in handling sensitive financial matters related to divorce listed here official!, Localized by using this service, some information may be shared with YouTube many our... Board Partner 's contributions as homemaker __________ they can also agree to hold property together majority! Advocating for you are your alternative Living options short and long term paid models or actors and... Than 100 pages ( in full-size type ): general divorce | `` find the right team to through. Team to walk through the technical financial aspects, along with managing the emotional.! Forms which may be out of date the day they hit the shelf for the future of your children one!, then mail with your payment information may be shared with YouTube this website fictional! Final authority to determine the amount of the Guidelines is more than pages.

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