place |
nr |
percent |
player |
points |
1 |
6 |
65.3 |
Lois Adding & Anna-Lena Hellström |
345.0 |
2 |
14 |
64.8 |
Gunvor Edvall & Frida Sandström |
342.0 |
3 |
12 |
64.2 |
Ove Johansson & Anita Kullström |
339.0 |
4 |
11 |
58.0 |
Stig Pantzar & Otto Slätis |
306.0 |
5 |
4 |
57.2 |
Krister Grufman & Jan Sundström |
302.0 |
6 |
15 |
56.1 |
Märta Eriksson & Gerhard Klang |
296.0 |
7 |
23 |
54.8 |
Leif Afzelius & Nils Nilsson |
289.2 |
8 |
5 |
54.7 |
Pia Degermark & May Löfvenhamn |
289.0 |
9 |
8 |
54.0 |
Evy Dahlberg & Hjördis Sandberg |
285.0 |
10 |
18 |
53.6 |
Ulla Erlandsson & Nils Lundberg |
283.0 |
|
24 |
53.6 |
Berit Sundberg & Lillemor Sundholm |
283.0 |
12 |
1 |
51.5 |
Birgit Hörnfeldt & Monica Lindroth |
272.0 |
13 |
13 |
50.4 |
Lisbeth Blockstrand & Maj-Britt Höglund |
266.0 |
14 |
9 |
47.5 |
Ing-Britt Johansson & Eivor Pettersson |
251.0 |
15 |
10 |
46.0 |
Hans Bolkin & Monica Lindberg |
242.8 |
16 |
7 |
45.1 |
Arne Pettersson & Sonja Pettersson |
238.0 |
17 |
2 |
44.1 |
Bengt Edvinsson & Dennis Malmström |
233.0 |
18 |
22 |
43.0 |
Margareta Nilsson & Margareta Sterky |
227.0 |
19 |
3 |
42.2 |
Kerstin Axelsson & Hans Nordström |
223.0 |
20 |
19 |
41.3 |
Gösta Hanson & Ingrid Hanson |
218.0 |
21 |
16 |
39.6 |
Kerstin Johansson & Kerstin Söderström |
209.0 |
22 |
20 |
39.0 |
Monica Nyström & Lisbeth Sjölund |
206.0 |
23 |
17 |
38.1 |
Solveig Folkeryd & Ulla Lindgren |
201.0 |
24 |
21 |
36.0 |
Mona Dahlin & Christina Edberg |
190.0 |
Deal 1
D: North Z: Ingen |
♠AQ3
♥9764
♦QJ8764
♣-- |
|
♠JT872
♥A
♦T932
♣A83 |
|
♠96
♥5
♦AK5
♣KJT9642 |
|
♠K54
♥KQJT832
♦--
♣Q75 |
|
NS |
EW | res |
NS po |
EW po |
16 |
8 | 750 |
22 |
0 |
5 |
21 | 500 |
20 |
2 |
17 |
3 | 480 |
11 |
11 |
15 |
2 | 480 |
11 |
11 |
12 |
24 | 480 |
11 |
11 |
11 |
22 | 480 |
11 |
11 |
9 |
18 | 480 |
11 |
11 |
6 |
23 | 480 |
11 |
11 |
4 |
19 | 480 |
11 |
11 |
1 |
13 | 480 |
11 |
11 |
10 |
20 | 100 |
2 |
20 |
7 |
14 | 0 |
0 |
22 |
|
Deal 2
D: East Z: NS |
♠84
♥J87
♦AQ5
♣Q9652 |
|
♠KQ9
♥T53
♦J843
♣KT4 |
|
♠J76532
♥Q6
♦962
♣J7 |
|
♠AT
♥AK942
♦KT7
♣A83 |
|
NS |
EW | res |
NS po |
EW po |
15 |
2 | 980 |
22 |
0 |
1 |
13 | 680 |
20 |
2 |
11 |
22 | 650 |
17 |
5 |
9 |
18 | 650 |
17 |
5 |
10 |
20 | 630 |
12 |
10 |
5 |
21 | 630 |
12 |
10 |
4 |
19 | 630 |
12 |
10 |
12 |
24 | 620 |
7 |
15 |
6 |
23 | 620 |
7 |
15 |
17 |
3 | 600 |
4 |
18 |
16 |
8 | -100 |
1 |
21 |
7 |
14 | -100 |
1 |
21 |
|
Deal 3
D: South Z: EW |
♠T9652
♥QJ7
♦T97
♣85 |
|
♠Q
♥AK9863
♦J65
♣KQ7 |
|
♠J4
♥42
♦AK832
♣AT42 |
|
♠AK873
♥T5
♦Q4
♣J963 |
|
NS |
EW | res |
NS po |
EW po |
11 |
21 | -100 |
21 |
1 |
6 |
22 | -100 |
21 |
1 |
16 |
3 | -140 |
18 |
4 |
10 |
19 | -620 |
16 |
6 |
18 |
4 | -650 |
8 |
14 |
17 |
9 | -650 |
8 |
14 |
13 |
7 | -650 |
8 |
14 |
12 |
23 | -650 |
8 |
14 |
8 |
15 | -650 |
8 |
14 |
5 |
20 | -650 |
8 |
14 |
1 |
24 | -650 |
8 |
14 |
2 |
14 | -800 |
0 |
22 |
|
Deal 4
D: West Z: Alla |
♠AQ93
♥K92
♦J973
♣A3 |
|
♠86
♥Q73
♦KQ654
♣J86 |
|
♠T542
♥AT8
♦A82
♣KQ7 |
|
♠KJ7
♥J654
♦T
♣T9542 |
|
NS |
EW | res |
NS po |
EW po |
12 |
23 | 200 |
22 |
0 |
6 |
22 | 120 |
20 |
2 |
1 |
24 | 110 |
18 |
4 |
8 |
15 | 90 |
16 |
6 |
10 |
19 | 80 |
14 |
8 |
16 |
3 | -90 |
10 |
12 |
11 |
21 | -90 |
10 |
12 |
2 |
14 | -90 |
10 |
12 |
5 |
20 | -100 |
6 |
16 |
18 |
4 | -150 |
4 |
18 |
17 |
9 | -200 |
1 |
21 |
13 |
7 | -200 |
1 |
21 |
|
Deal 5
D: North Z: NS |
♠965
♥AQJ63
♦3
♣7653 |
|
♠KJ2
♥T854
♦K95
♣T92 |
|
♠843
♥2
♦AQ742
♣QJ84 |
|
♠AQT7
♥K97
♦JT86
♣AK |
|
NS |
EW | res |
NS po |
EW po |
12 |
22 | 650 |
22 |
0 |
1 |
23 | 620 |
20 |
2 |
14 |
8 | 600 |
17 |
5 |
6 |
21 | 600 |
17 |
5 |
17 |
4 | 140 |
13 |
9 |
11 |
20 | 140 |
13 |
9 |
18 |
10 | 120 |
9 |
13 |
9 |
16 | 120 |
9 |
13 |
7 |
24 | -100 |
4 |
18 |
3 |
15 | -100 |
4 |
18 |
2 |
13 | -100 |
4 |
18 |
19 |
5 | -200 |
0 |
22 |
|
Deal 6
D: East Z: EW |
♠J7
♥KT65
♦AJ2
♣T852 |
|
♠98
♥QJ8732
♦Q6
♣A64 |
|
♠A632
♥A4
♦T9874
♣KQ |
|
♠KQT54
♥9
♦K53
♣J973 |
|
NS |
EW | res |
NS po |
EW po |
2 |
13 | 400 |
22 |
0 |
18 |
10 | 300 |
19 |
3 |
6 |
21 | 300 |
19 |
3 |
17 |
4 | 200 |
15 |
7 |
11 |
20 | 200 |
15 |
7 |
19 |
5 | 100 |
8 |
14 |
12 |
22 | 100 |
8 |
14 |
9 |
16 | 100 |
8 |
14 |
7 |
24 | 100 |
8 |
14 |
1 |
23 | 100 |
8 |
14 |
14 |
8 | -110 |
1 |
21 |
3 |
15 | -110 |
1 |
21 |
|
Deal 7
D: South Z: Alla |
♠T9
♥52
♦KQ76
♣J8764 |
|
♠K42
♥AQ4
♦J852
♣A52 |
|
♠853
♥KJT8
♦AT3
♣KT3 |
|
♠AQJ76
♥9763
♦94
♣Q9 |
|
NS |
EW | res |
NS po |
EW po |
12 |
21 | 300 |
22 |
0 |
18 |
5 | 200 |
18 |
4 |
7 |
23 | 200 |
18 |
4 |
4 |
16 | 200 |
18 |
4 |
10 |
17 | 100 |
13 |
9 |
3 |
14 | 100 |
13 |
9 |
15 |
9 | -110 |
10 |
12 |
2 |
24 | -120 |
7 |
15 |
1 |
22 | -120 |
7 |
15 |
20 |
6 | -600 |
2 |
20 |
19 |
11 | -600 |
2 |
20 |
8 |
13 | -600 |
2 |
20 |
|
Deal 8
D: West Z: Ingen |
♠73
♥JT987
♦32
♣KQT3 |
|
♠T
♥AK4
♦AKJ874
♣962 |
|
♠KJ82
♥6532
♦Q6
♣A54 |
|
♠AQ9654
♥Q
♦T95
♣J87 |
|
NS |
EW | res |
NS po |
EW po |
12 |
21 | 150 |
21 |
1 |
10 |
17 | 150 |
21 |
1 |
7 |
23 | 100 |
18 |
4 |
3 |
14 | -50 |
16 |
6 |
2 |
24 | -90 |
14 |
8 |
18 |
5 | -110 |
11 |
11 |
1 |
22 | -110 |
11 |
11 |
15 |
9 | -130 |
6 |
16 |
8 |
13 | -130 |
6 |
16 |
4 |
16 | -130 |
6 |
16 |
20 |
6 | -460 |
1 |
21 |
19 |
11 | -460 |
1 |
21 |
|
Deal 9
D: North Z: EW |
♠AQJ3
♥5
♦K62
♣QT875 |
|
♠K52
♥JT63
♦987
♣J96 |
|
♠864
♥A982
♦QJT
♣AK3 |
|
♠T97
♥KQ74
♦A543
♣42 |
|
NS |
EW | res |
NS po |
EW po |
4 |
15 | 800 |
22 |
0 |
8 |
24 | 150 |
19 |
3 |
5 |
17 | 150 |
19 |
3 |
9 |
14 | 140 |
14 |
8 |
3 |
13 | 140 |
14 |
8 |
1 |
21 | 140 |
14 |
8 |
20 |
12 | 120 |
9 |
13 |
19 |
6 | 120 |
9 |
13 |
16 |
10 | 110 |
5 |
17 |
7 |
22 | 110 |
5 |
17 |
2 |
23 | 90 |
2 |
20 |
11 |
18 | -50 |
0 |
22 |
|
Deal 10
D: East Z: Alla |
♠K98632
♥852
♦8
♣AT2 |
|
♠AJ
♥AQ74
♦AT94
♣J95 |
|
♠Q5
♥KT93
♦76
♣KQ643 |
|
♠T74
♥J6
♦KQJ532
♣87 |
|
NS |
EW | res |
NS po |
EW po |
11 |
18 | 100 |
22 |
0 |
7 |
22 | -150 |
19 |
3 |
1 |
21 | -150 |
19 |
3 |
16 |
10 | -170 |
16 |
6 |
9 |
14 | -620 |
14 |
8 |
19 |
6 | -650 |
9 |
13 |
8 |
24 | -650 |
9 |
13 |
5 |
17 | -650 |
9 |
13 |
3 |
13 | -650 |
9 |
13 |
20 |
12 | -660 |
3 |
19 |
4 |
15 | -660 |
3 |
19 |
2 |
23 | -1100 |
0 |
22 |
|
Deal 11
D: South Z: Ingen |
♠864
♥AKT
♦J8
♣AKQT9 |
|
♠T975
♥--
♦K62
♣J76542 |
|
♠AJ3
♥J98753
♦A97
♣8 |
|
♠KQ2
♥Q642
♦QT543
♣3 |
|
NS |
EW | res |
NS po |
EW po |
6 |
18 | 800 |
22 |
0 |
21 |
7 | 430 |
18 |
4 |
12 |
19 | 430 |
18 |
4 |
5 |
16 | 430 |
18 |
4 |
22 |
2 | 100 |
13 |
9 |
17 |
11 | 100 |
13 |
9 |
1 |
20 | -50 |
10 |
12 |
10 |
15 | -100 |
7 |
15 |
9 |
13 | -100 |
7 |
15 |
8 |
23 | -150 |
3 |
19 |
3 |
24 | -150 |
3 |
19 |
4 |
14 | -200 |
0 |
22 |
|
Deal 12
D: West Z: NS |
♠KT
♥Q73
♦AJT974
♣82 |
|
♠654
♥K85
♦Q86
♣AQ94 |
|
♠AQJ87
♥A6
♦3
♣KT765 |
|
♠932
♥JT942
♦K52
♣J3 |
|
NS |
EW | res |
NS po |
EW po |
3 |
24 | 150 |
22 |
0 |
5 |
16 | 50 |
20 |
2 |
21 |
7 | -150 |
17 |
5 |
6 |
18 | -150 |
17 |
5 |
9 |
13 | -170 |
14 |
8 |
10 |
15 | -230 |
12 |
10 |
1 |
20 | -420 |
10 |
12 |
4 |
14 | -450 |
8 |
14 |
22 |
2 | -480 |
3 |
19 |
17 |
11 | -480 |
3 |
19 |
12 |
19 | -480 |
3 |
19 |
8 |
23 | -480 |
3 |
19 |
|
Deal 13
D: North Z: Alla |
♠QJ6
♥98
♦A872
♣KQ93 |
|
♠T98
♥J73
♦KQJ64
♣T5 |
|
♠K3
♥KQT542
♦T
♣AJ74 |
|
♠A7542
♥A6
♦953
♣862 |
|
NS |
EW | res |
NS po |
EW po |
6 |
17 | 200 |
20 |
2 |
2 |
21 | 200 |
20 |
2 |
1 |
19 | 200 |
20 |
2 |
20 |
7 | 100 |
16 |
6 |
11 |
16 | -100 |
14 |
8 |
23 |
3 | -140 |
9 |
13 |
22 |
8 | -140 |
9 |
13 |
18 |
12 | -140 |
9 |
13 |
4 |
13 | -140 |
9 |
13 |
10 |
14 | -170 |
3 |
19 |
5 |
15 | -170 |
3 |
19 |
9 |
24 | -620 |
0 |
22 |
|
Deal 14
D: East Z: Ingen |
♠Q9654
♥T8
♦A83
♣Q43 |
|
♠J72
♥A7
♦JT974
♣T65 |
|
♠K3
♥96
♦KQ652
♣AK92 |
|
♠AT8
♥KQJ5432
♦--
♣J87 |
|
NS |
EW | res |
NS po |
EW po |
4 |
13 | 420 |
22 |
0 |
11 |
16 | 140 |
19 |
3 |
5 |
15 | 140 |
19 |
3 |
10 |
14 | 100 |
15 |
7 |
6 |
17 | 100 |
15 |
7 |
23 |
3 | -50 |
12 |
10 |
18 |
12 | -100 |
8 |
14 |
2 |
21 | -100 |
8 |
14 |
1 |
19 | -100 |
8 |
14 |
22 |
8 | -130 |
4 |
18 |
20 |
7 | -150 |
2 |
20 |
9 |
24 | -500 |
0 |
22 |
|
Deal 15
D: South Z: NS |
♠983
♥JT43
♦AJ9
♣J43 |
|
♠Q4
♥A9876
♦QT76
♣Q2 |
|
♠AJT75
♥--
♦8542
♣KT98 |
|
♠K62
♥KQ52
♦K3
♣A765 |
|
NS |
EW | res |
NS po |
EW po |
21 |
8 | 150 |
21 |
1 |
7 |
19 | 150 |
21 |
1 |
23 |
9 | 120 |
18 |
4 |
11 |
15 | 90 |
15 |
7 |
6 |
16 | 90 |
15 |
7 |
24 |
4 | 50 |
11 |
11 |
12 |
17 | 50 |
11 |
11 |
3 |
22 | -100 |
8 |
14 |
10 |
13 | -200 |
4 |
18 |
5 |
14 | -200 |
4 |
18 |
1 |
18 | -200 |
4 |
18 |
20 |
2 | -300 |
0 |
22 |
|
Deal 16
D: West Z: EW |
♠QT
♥A95
♦KT82
♣AJ73 |
|
♠AJ8753
♥J8
♦AQ
♣Q85 |
|
♠62
♥QT7632
♦J93
♣T4 |
|
♠K94
♥K4
♦7654
♣K962 |
|
NS |
EW | res |
NS po |
EW po |
20 |
2 | 300 |
21 |
1 |
12 |
17 | 300 |
21 |
1 |
11 |
15 | 200 |
18 |
4 |
23 |
9 | 130 |
14 |
8 |
7 |
19 | 130 |
14 |
8 |
6 |
16 | 130 |
14 |
8 |
24 |
4 | 110 |
9 |
13 |
5 |
14 | 110 |
9 |
13 |
10 |
13 | 100 |
4 |
18 |
3 |
22 | 100 |
4 |
18 |
1 |
18 | 100 |
4 |
18 |
21 |
8 | -50 |
0 |
22 |
|
Deal 17
D: North Z: Ingen |
♠A42
♥852
♦KQ63
♣AJ9 |
|
♠Q76
♥JT743
♦A94
♣54 |
|
♠J983
♥AKQ
♦72
♣KQT7 |
|
♠KT5
♥96
♦JT85
♣8632 |
|
NS |
EW | res |
NS po |
EW po |
12 |
16 | 150 |
22 |
0 |
8 |
20 | 100 |
20 |
2 |
24 |
10 | 90 |
18 |
4 |
22 |
9 | 50 |
13 |
9 |
21 |
3 | 50 |
13 |
9 |
4 |
23 | 50 |
13 |
9 |
1 |
17 | 50 |
13 |
9 |
13 |
5 | -110 |
5 |
17 |
7 |
18 | -110 |
5 |
17 |
6 |
15 | -110 |
5 |
17 |
2 |
19 | -110 |
5 |
17 |
11 |
14 | -140 |
0 |
22 |
|
Deal 18
D: East Z: NS |
♠JT5
♥Q642
♦97
♣QT76 |
|
♠AK8632
♥J5
♦T83
♣AK |
|
♠9
♥AT987
♦KQJ652
♣4 |
|
♠Q74
♥K3
♦A4
♣J98532 |
|
NS |
EW | res |
NS po |
EW po |
13 |
5 | 50 |
22 |
0 |
12 |
16 | -140 |
19 |
3 |
8 |
20 | -140 |
19 |
3 |
22 |
9 | -170 |
16 |
6 |
21 |
3 | -400 |
14 |
8 |
24 |
10 | -420 |
10 |
12 |
7 |
18 | -420 |
10 |
12 |
2 |
19 | -420 |
10 |
12 |
11 |
14 | -430 |
3 |
19 |
6 |
15 | -430 |
3 |
19 |
4 |
23 | -430 |
3 |
19 |
1 |
17 | -430 |
3 |
19 |
|
Deal 19
D: South Z: EW |
♠AKT875
♥T5
♦AK
♣864 |
|
♠J4
♥Q62
♦864
♣KQJ92 |
|
♠Q62
♥AKJ84
♦J
♣A753 |
|
♠93
♥973
♦QT97532
♣T |
|
NS |
EW | res |
NS po |
EW po |
8 |
19 | 200 |
21 |
1 |
1 |
16 | 200 |
21 |
1 |
3 |
20 | -50 |
18 |
4 |
12 |
15 | -100 |
16 |
6 |
13 |
11 | -130 |
13 |
9 |
9 |
21 | -130 |
13 |
9 |
22 |
4 | -170 |
10 |
12 |
23 |
10 | -200 |
7 |
15 |
14 |
6 | -200 |
7 |
15 |
7 |
17 | -620 |
2 |
20 |
5 |
24 | -620 |
2 |
20 |
2 |
18 | -620 |
2 |
20 |
|
Deal 20
D: West Z: Alla |
♠K4
♥J6543
♦A432
♣T4 |
|
♠QT532
♥KQ72
♦--
♣K652 |
|
♠J98
♥AT9
♦QT95
♣A73 |
|
♠A76
♥8
♦KJ876
♣QJ98 |
|
NS |
EW | res |
NS po |
EW po |
14 |
6 | 200 |
18 |
4 |
13 |
11 | 200 |
18 |
4 |
7 |
17 | 200 |
18 |
4 |
5 |
24 | 200 |
18 |
4 |
3 |
20 | 130 |
13 |
9 |
12 |
15 | 100 |
9 |
13 |
9 |
21 | 100 |
9 |
13 |
2 |
18 | 100 |
9 |
13 |
8 |
19 | -110 |
5 |
17 |
1 |
16 | -140 |
3 |
19 |
22 |
4 | -650 |
1 |
21 |
23 |
10 | %+- |
13.2 |
8.8 |
|
Deal 21
D: North Z: NS |
♠AK76432
♥86
♦92
♣K4 |
|
♠T
♥A94
♦QJT8
♣QJT96 |
|
♠85
♥KT7
♦AK763
♣A32 |
|
♠QJ9
♥QJ532
♦54
♣875 |
|
NS |
EW | res |
NS po |
EW po |
9 |
20 | -100 |
20 |
2 |
8 |
18 | -100 |
20 |
2 |
4 |
21 | -100 |
20 |
2 |
10 |
22 | -150 |
15 |
7 |
6 |
13 | -150 |
15 |
7 |
14 |
12 | -170 |
12 |
10 |
23 |
5 | -200 |
8 |
14 |
7 |
16 | -200 |
8 |
14 |
1 |
15 | -200 |
8 |
14 |
2 |
17 | -400 |
4 |
18 |
24 |
11 | -420 |
1 |
21 |
3 |
19 | -420 |
1 |
21 |
|
Deal 22
D: East Z: EW |
♠A72
♥KJ62
♦K532
♣T4 |
|
♠QT96
♥AT74
♦J86
♣K2 |
|
♠K85
♥Q98
♦7
♣QJ9765 |
|
♠J43
♥53
♦AQT94
♣A83 |
|
NS |
EW | res |
NS po |
EW po |
2 |
17 | 400 |
22 |
0 |
1 |
15 | 200 |
20 |
2 |
4 |
21 | 120 |
18 |
4 |
24 |
11 | 110 |
13 |
9 |
14 |
12 | 110 |
13 |
9 |
7 |
16 | 110 |
13 |
9 |
6 |
13 | 110 |
13 |
9 |
23 |
5 | 100 |
8 |
14 |
8 |
18 | 90 |
5 |
17 |
3 |
19 | 90 |
5 |
17 |
9 |
20 | 0 |
2 |
20 |
10 |
22 | -100 |
0 |
22 |
|
Deal 23
D: South Z: Alla |
♠2
♥J5
♦AJ987
♣J9654 |
|
♠Q8643
♥A62
♦KQ5
♣AK |
|
♠AT75
♥KQT4
♦6
♣T873 |
|
♠KJ9
♥9873
♦T432
♣Q2 |
|
NS |
EW | res |
NS po |
EW po |
15 |
7 | 100 |
22 |
0 |
13 |
12 | -620 |
16 |
6 |
11 |
23 | -620 |
16 |
6 |
9 |
19 | -620 |
16 |
6 |
8 |
17 | -620 |
16 |
6 |
4 |
20 | -620 |
16 |
6 |
24 |
6 | -650 |
5 |
17 |
16 |
2 | -650 |
5 |
17 |
10 |
21 | -650 |
5 |
17 |
5 |
22 | -650 |
5 |
17 |
3 |
18 | -650 |
5 |
17 |
1 |
14 | -650 |
5 |
17 |
|
Deal 24
D: West Z: Ingen |
♠K763
♥52
♦AQ7532
♣5 |
|
♠AJT4
♥AQJ94
♦KJ
♣K8 |
|
♠982
♥KT
♦984
♣Q7632 |
|
♠Q5
♥8763
♦T6
♣AJT94 |
|
NS |
EW | res |
NS po |
EW po |
10 |
21 | 100 |
21 |
1 |
5 |
22 | 100 |
21 |
1 |
15 |
7 | 50 |
18 |
4 |
4 |
20 | -80 |
16 |
6 |
24 |
6 | -100 |
14 |
8 |
8 |
17 | -110 |
12 |
10 |
16 |
2 | -140 |
7 |
15 |
13 |
12 | -140 |
7 |
15 |
9 |
19 | -140 |
7 |
15 |
1 |
14 | -140 |
7 |
15 |
3 |
18 | -180 |
2 |
20 |
11 |
23 | -200 |
0 |
22 |
|
En bricka var felinmatad p.g.a. felaktigt bricknummer- Resultatet blev därför litet annorlunda än det som lästes upp. Ber om ursäkt/loan