{"id":20,"date":"2025-09-22T05:50:55","date_gmt":"2025-09-22T05:50:55","guid":{"rendered":"https:\/\/simregional.bluecube.com.sg\/?page_id=20"},"modified":"2026-07-03T08:03:11","modified_gmt":"2026-07-03T08:03:11","slug":"sim-global-education-%ec%86%8c%ea%b0%9c","status":"publish","type":"page","link":"https:\/\/regional.simge.edu.sg\/korea\/sim-global-education-%ec%86%8c%ea%b0%9c\/","title":{"rendered":"SIM Global Education \uc18c\uac1c"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"20\" class=\"elementor elementor-20\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0db45a1 e-flex e-con-boxed e-con e-parent\" data-id=\"0db45a1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a336ed0 elementor-widget elementor-widget-heading\" data-id=\"a336ed0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">\uc9c4\uc815\ud55c \uae00\ub85c\ubc8c \uad50\uc721 \uacbd\ud5d8<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a49aa1c elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"a49aa1c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>SIM Global Education(SIM GE)\uc740 \uc138\uacc4\uc5d0\uc11c \uac00\uc7a5 \uc5ed\ub3d9\uc801\uc774\uace0 \uad6d\uc81c\uc801 \uc5f0\uacb0\uc131\uc774 \ub6f0\uc5b4\ub09c \ub3c4\uc2dc\uc778 \uc2f1\uac00\ud3ec\ub974 \uc911\uc2ec\ubd80\uc5d0\uc11c \uc9c4\uc815\ud55c \uae00\ub85c\ubc8c \uad50\uc721 \ud658\uacbd\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. SIM\uc740 \uc120\ub3c4\uc801 \uc0ac\ub9bd \uad50\uc721\uae30\uad00\uc73c\ub85c \ud638\uc8fc, \uce90\ub098\ub2e4, \uc601\uad6d, \ubbf8\uad6d\uc758 \uc6b0\uc218 \ub300\ud559\ub4e4\uacfc \ud611\ub825\ud558\uc5ec \ub2e4\uc591\ud55c \ud559\ubb38 \ubd84\uc57c\uc5d0\uc11c 140\uac1c\uac00 \ub118\ub294 \uad50\uc721 \uacfc\uc815\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8d2d516 csm-icon-box-section e-con-full e-flex e-con e-child\" data-id=\"8d2d516\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-715c000 e-con-full e-flex e-con e-child\" data-id=\"715c000\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-0d9c9ba e-con-full e-flex e-con e-child\" data-id=\"0d9c9ba\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c5bf436 elementor-widget elementor-widget-image\" data-id=\"c5bf436\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"80\" height=\"80\" src=\"https:\/\/regional.simge.edu.sg\/korea\/wp-content\/uploads\/sites\/17\/2026\/02\/ub-excellent-ranking.svg\" class=\"attachment-full size-full wp-image-5296\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c827634 elementor-widget elementor-widget-heading\" data-id=\"c827634\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">\uc720\uc218 \ub300\ud559\ub4e4\uacfc\uc758 \ud611\ub825 \ub124\ud2b8\uc6cc\ud06c<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a271332 elementor-widget elementor-widget-text-editor\" data-id=\"a271332\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t\ud638\uc8fc, \uce90\ub098\ub2e4, \uc601\uad6d, \ubbf8\uad6d \uc720\uc218 \ub300\ud559\ub4e4\uacfc\uc758 \ud611\ub825 \ub124\ud2b8\uc6cc\ud06c\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0808217 e-con-full e-flex e-con e-child\" data-id=\"0808217\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-d11e0c8 e-con-full e-flex e-con e-child\" data-id=\"d11e0c8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f8ac91b elementor-widget elementor-widget-image\" data-id=\"f8ac91b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"80\" height=\"80\" src=\"https:\/\/regional.simge.edu.sg\/korea\/wp-content\/uploads\/sites\/17\/2026\/02\/simge-global-perspectives.svg\" class=\"attachment-full size-full wp-image-5293\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d5cb78c elementor-widget elementor-widget-heading\" data-id=\"d5cb78c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">\ub2e4\uc591\ud55c \uc720\ud559\uc0dd \ucee4\ubba4\ub2c8\ud2f0<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-52471d0 elementor-widget elementor-widget-text-editor\" data-id=\"52471d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t\uc804 \uc138\uacc4 50\uc5ec \uac1c\uad6d \ucd9c\uc2e0 \ud559\uc0dd\ub4e4\ub85c \uad6c\uc131\ub41c \ub2e4\uc591\ud55c \uc720\ud559\uc0dd \ucee4\ubba4\ub2c8\ud2f0\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2456c84 e-con-full e-flex e-con e-child\" data-id=\"2456c84\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-9784774 e-con-full e-flex e-con e-child\" data-id=\"9784774\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4cca929 elementor-widget elementor-widget-image\" data-id=\"4cca929\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"80\" height=\"80\" src=\"https:\/\/regional.simge.edu.sg\/korea\/wp-content\/uploads\/sites\/17\/2026\/02\/stirling-degree-flex.svg\" class=\"attachment-full size-full wp-image-5294\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8fb5c9d elementor-widget elementor-widget-heading\" data-id=\"8fb5c9d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">140\uac1c \uc774\uc0c1\uc758 \uacfc\uc815<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-868f1eb elementor-widget elementor-widget-text-editor\" data-id=\"868f1eb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t\ub514\ud50c\ub85c\ub9c8, \ud559\ubd80, \ub300\ud559\uc6d0 \uacfc\uc815\uc5d0 \uac78\uce5c 140\uac1c \uc774\uc0c1\uc758 \uacfc\uc815\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5466602 e-flex e-con-boxed e-con e-parent\" data-id=\"5466602\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e106906 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"e106906\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e11543a e-flex e-con-boxed e-con e-parent\" data-id=\"e11543a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7f95d76 elementor-widget elementor-widget-heading\" data-id=\"7f95d76\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">\uc2e0\ub8b0\ud560 \uc218 \uc788\ub294 \uad50\uc721\uae30\uad00<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4e87626 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"4e87626\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\uc720\ud559\uc0dd\uc5d0\uac8c\ub294 \uc2e0\ub8b0\ud560 \uc218 \uc788\ub294 \uad50\uc721\uae30\uad00\uc744 \uc120\ud0dd\ud558\ub294 \uac83\uc774 \ubb34\uc5c7\ubcf4\ub2e4 \uc911\uc694\ud569\ub2c8\ub2e4. SIM Global Education(SIM GE)\uc740 \uc2f1\uac00\ud3ec\ub974\uc5d0\uc11c \uc6b4\uc601\ub418\ub294 \ubaa8\ub4e0 \uad50\uc721\uae30\uad00\uc5d0 \uc694\uad6c\ub418\ub294 Enhanced Registration Framework(ERF)\uc5d0 \ucd5c\ucd08\ub85c \ub4f1\ub85d\ub41c \uc0ac\ub9bd \uad50\uc721\uae30\uad00 \uc911 \ud558\ub098\ub85c\uc11c \uc790\ubd80\uc2ec\uc744 \uac16\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub610\ud55c SIM GE\ub294 2010\ub144\ubd80\ud130 SkillsFuture Singapore(SSG)\uac00 \ubd80\uc5ec\ud558\ub294 \uad8c\uc704 \uc788\ub294 EduTrust \uc778\uc99d\uc744 \uc720\uc9c0\ud574 \uc624\uace0 \uc788\uc73c\uba70, 2022\ub144\uc5d0\ub294 \ucd5c\uace0 \ub4f1\uae09\uc778 EduTrust Star Award\ub97c \ud68d\ub4dd\ud588\uc2b5\ub2c8\ub2e4.<br \/><br \/><br \/>\uc774 \uc778\uc99d\uc740 SIM GE\uac00 \uc6b0\uc218\ud55c \ud559\ubb38\uc801 \uae30\uc900\uacfc \uac74\uc804\ud55c \uc6b4\uc601 \uccb4\uacc4 \uadf8\ub9ac\uace0 \uc885\ud569\uc801\uc778 \ud559\uc0dd \uc9c0\uc6d0 \uccb4\uacc4\ub97c \uac16\ucd94\uace0 \uc788\uc74c\uc744 \uc720\ud559\uc0dd\uc5d0\uac8c \ubcf4\uc99d\ud558\ub294 \uc6b0\uc218\uc131\uc758 \ud45c\uc2dd\uc785\ub2c8\ub2e4. \uc774 \uc778\uc99d\uc740 SIM GE\uac00 \uacac\uace0\ud55c \uc2dc\uc2a4\ud15c\uc744 \uae30\ubc18\uc73c\ub85c \ub192\uc740 \uc218\uc900\uc758 \uc2e0\ub8b0\ud560 \uc218 \uc788\ub294 \uc2e0\ub8b0\ud560 \uc218 \uc788\ub294 \uad50\uc721\uacfc \ud48d\ubd80\ud55c \ud559\uc2b5 \uacbd\ud5d8\uc744 \uc81c\uacf5\ud558\ub3c4\ub85d \uc124\uacc4\ub418\uc5b4 \uc788\uc5b4, \uc5ec\ub7ec\ubd84\uc774 \uc548\uc2ec\ud558\uace0 \ud559\uc5c5\uc5d0 \uc784\ud560 \uc218 \uc788\uc74c\uc744 \uc758\ubbf8\ud569\ub2c8\ub2e4.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3e95dc0 e-con-full e-flex e-con e-child\" data-id=\"3e95dc0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-53f00da e-con-full e-flex e-con e-child\" data-id=\"53f00da\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0a89715 elementor-widget elementor-widget-image\" data-id=\"0a89715\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"520\" height=\"630\" src=\"https:\/\/regional.simge.edu.sg\/korea\/wp-content\/uploads\/sites\/17\/2025\/10\/Mask-Group-14.png\" class=\"attachment-large size-large wp-image-555\" alt=\"\" srcset=\"https:\/\/regional.simge.edu.sg\/korea\/wp-content\/uploads\/sites\/17\/2025\/10\/Mask-Group-14.png 520w, https:\/\/regional.simge.edu.sg\/korea\/wp-content\/uploads\/sites\/17\/2025\/10\/Mask-Group-14-248x300.png 248w\" sizes=\"(max-width: 520px) 100vw, 520px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-82773ea e-con-full e-flex e-con e-child\" data-id=\"82773ea\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3b5dfed csm-accordion elementor-widget elementor-widget-n-accordion\" data-id=\"3b5dfed\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-6220\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-6220\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> PEI-Student Contract <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6220\" class=\"elementor-element elementor-element-00951ba e-con-full e-flex e-con e-child\" data-id=\"00951ba\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6220\" class=\"elementor-element elementor-element-1db1618 e-flex e-con-boxed e-con e-child\" data-id=\"1db1618\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e9625d5 elementor-widget elementor-widget-text-editor\" data-id=\"e9625d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>SkillsFuture Singapore (SSG), in aiming to enhance the confidence of students and their parents in the quality of education in Singapore, has stipulated that all PEIs must enter into a PEI-Student Contract with students.<\/p><p>\u00a0<\/p><p>The contract sets out the terms and conditions governing the relationship between the student and PEI. SIM PL will honour all terms and conditions in the contract and in all communication materials. Students may request for a copy of the PEI-Student Contract from SIM PL or view it on the SkillsFuture Singapore (SSG) website.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-6221\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-6221\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Cooling-Off Period <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6221\" class=\"elementor-element elementor-element-a2995d3 e-con-full e-flex e-con e-child\" data-id=\"a2995d3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6221\" class=\"elementor-element elementor-element-8cdd376 e-flex e-con-boxed e-con e-child\" data-id=\"8cdd376\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-300dc8c elementor-widget elementor-widget-text-editor\" data-id=\"300dc8c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>There will be a cooling-off period of 10 calendar days commencing from and including the acceptance date of the PEI-Student Contract. Students have the right to cancel the contract within the 10 calendar days and be refunded all the Course Fees and Miscellaneous Fees already paid if the students submit written notice of withdrawal to SIM PL within the cooling off period After the cooling-off period, SIM PL\u2019s refund policy will apply.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-6222\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-6222\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Fee Protection Scheme <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6222\" class=\"elementor-element elementor-element-6549598 e-con-full e-flex e-con e-child\" data-id=\"6549598\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6222\" class=\"elementor-element elementor-element-4a55aad e-flex e-con-boxed e-con e-child\" data-id=\"4a55aad\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-89d2c12 elementor-widget elementor-widget-text-editor\" data-id=\"89d2c12\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>SIM PL adopts a mandatory Fee Protection Scheme (FPS) to protect the paid fees of both local and international students. The FPS serves to protect the student\u2019s fees in the event that the PEI is unable to continue operations due to insolvency, and\/or regulatory closure. In addition, the FPS protects the student if the PEI fails to pay penalties or return fees to the student arising from judgments made against it by the Singapore courts.<\/p><p>SIM PL has appointed Lonpac Insurance Bhd (Lonpac) as our FPS insurance provider. Under the FPS insurance scheme, students\u2019 fees will be insured by Lonpac. In case of events as stated above, students will be able to claim their paid fees from Lonpac.<\/p><p>More details of the FPS can also be found in the FPS Instruction Manual, available at <a href=\"https:\/\/www.tpgateway.gov.sg\/resources\/information-for-private-education-institutions-(peis)\">https:\/\/www.tpgateway.gov.sg\/<br \/>resources\/information-for-private-education-institutions-(peis)<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b3c28d1 e-flex e-con-boxed e-con e-parent\" data-id=\"b3c28d1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a33022b elementor-widget elementor-widget-heading\" data-id=\"a33022b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">\n\uc2f1\uac00\ud3ec\ub974 \uc720\ud559\uc0dd \ub77c\uc774\ud504\uc5d0 \ub300\ud574 \ub354 \uc54c\uc544\ubcf4\uc138\uc694!\n\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-028d773 elementor-widget elementor-widget-shortcode\" data-id=\"028d773\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div id=\"instagram-gallery-feed-0\" class=\"instagram-gallery-feed\" data-feed=\"{&quot;id&quot;:0,&quot;account_id&quot;:&quot;17841402895044051&quot;,&quot;source&quot;:&quot;username&quot;,&quot;tag&quot;:&quot;wordpress&quot;,&quot;order_by&quot;:&quot;top_media&quot;,&quot;layout&quot;:&quot;gallery&quot;,&quot;limit&quot;:3,&quot;columns&quot;:3,&quot;spacing&quot;:10,&quot;lazy&quot;:false,&quot;responsive&quot;:{&quot;desktop&quot;:{&quot;columns&quot;:3,&quot;spacing&quot;:37},&quot;tablet&quot;:{&quot;columns&quot;:2,&quot;spacing&quot;:8},&quot;mobile&quot;:{&quot;columns&quot;:1,&quot;spacing&quot;:6},&quot;breakpoints&quot;:{&quot;tablet&quot;:768,&quot;mobile&quot;:480}},&quot;aspect_ratio&quot;:{&quot;width&quot;:1,&quot;height&quot;:1},&quot;highlight&quot;:{&quot;tag&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;position&quot;:&quot;1,3,5&quot;},&quot;reel&quot;:{&quot;hide&quot;:false},&quot;copyright&quot;:{&quot;hide&quot;:false,&quot;placeholder&quot;:&quot;&quot;},&quot;profile&quot;:{&quot;display&quot;:false,&quot;username&quot;:&quot;&quot;,&quot;nickname&quot;:&quot;&quot;,&quot;website&quot;:&quot;&quot;,&quot;biography&quot;:&quot;&quot;,&quot;link_text&quot;:&quot;Follow&quot;,&quot;website_text&quot;:&quot;Website&quot;,&quot;avatar&quot;:&quot;&quot;},&quot;box&quot;:{&quot;display&quot;:false,&quot;padding&quot;:1,&quot;radius&quot;:0,&quot;background&quot;:&quot;#fefefe&quot;,&quot;profile&quot;:false,&quot;desc&quot;:&quot;&quot;,&quot;text_color&quot;:&quot;#000000&quot;},&quot;mask&quot;:{&quot;display&quot;:true,&quot;background&quot;:&quot;#000000&quot;,&quot;icon_color&quot;:&quot;#ffffff&quot;,&quot;likes_count&quot;:true,&quot;comments_count&quot;:true},&quot;card&quot;:{&quot;display&quot;:false,&quot;radius&quot;:1,&quot;font_size&quot;:12,&quot;background&quot;:&quot;#ffffff&quot;,&quot;background_hover&quot;:&quot;&quot;,&quot;text_color&quot;:&quot;#000000&quot;,&quot;padding&quot;:5,&quot;likes_count&quot;:true,&quot;text_length&quot;:10,&quot;comments_count&quot;:true,&quot;text_align&quot;:&quot;left&quot;},&quot;carousel&quot;:{&quot;centered_slides&quot;:false,&quot;autoplay&quot;:false,&quot;autoplay_interval&quot;:3000,&quot;navarrows&quot;:true,&quot;navarrows_color&quot;:&quot;&quot;,&quot;pagination&quot;:true,&quot;pagination_color&quot;:&quot;&quot;},&quot;modal&quot;:{&quot;display&quot;:true,&quot;profile&quot;:true,&quot;media_description&quot;:true,&quot;likes_count&quot;:true,&quot;comments_count&quot;:true,&quot;comments_list&quot;:false,&quot;text_align&quot;:&quot;left&quot;,&quot;modal_align&quot;:&quot;right&quot;,&quot;text_length&quot;:10000,&quot;font_size&quot;:12},&quot;button&quot;:{&quot;display&quot;:false,&quot;text&quot;:&quot;View on Instagram&quot;,&quot;text_color&quot;:&quot;#ffff&quot;,&quot;background&quot;:&quot;&quot;,&quot;background_hover&quot;:&quot;&quot;},&quot;button_load&quot;:{&quot;display&quot;:false,&quot;text&quot;:&quot;Load more...&quot;,&quot;text_color&quot;:&quot;#ffff&quot;,&quot;background&quot;:&quot;&quot;,&quot;background_hover&quot;:&quot;&quot;}}\">\n\t\t<!-- <FeedContainer\/> -->\n\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e73db1e elementor-align-center btn-primary elementor-widget elementor-widget-button\" data-id=\"e73db1e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.instagram.com\/simge_korea\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Follow Us on Instagram<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bc96042 e-flex e-con-boxed e-con e-parent\" data-id=\"bc96042\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-41512c2 elementor-widget elementor-widget-heading\" data-id=\"41512c2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">\uae00\ub85c\ubc8c \uad50\uc721\uacfc \ud604\uc9c0 \ud559\uc2b5\uc758 \uc7a5\uc810\uc744 \ubaa8\ub450 \uac16\ucd98 \ucd08\uad6d\uac00 \uad50\uc721\uc758 \uac00\uce58 \uacbd\ud5d8<\/h3>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f7182b5 e-flex e-con-boxed e-con e-parent\" data-id=\"f7182b5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-f260c6a e-con-full e-flex e-con e-child\" data-id=\"f260c6a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-497ca62 elementor-widget elementor-widget-image\" data-id=\"497ca62\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"520\" height=\"440\" src=\"https:\/\/regional.simge.edu.sg\/korea\/wp-content\/uploads\/sites\/17\/2025\/10\/Mask-Group-48.png\" class=\"attachment-large size-large wp-image-601\" alt=\"\" srcset=\"https:\/\/regional.simge.edu.sg\/korea\/wp-content\/uploads\/sites\/17\/2025\/10\/Mask-Group-48.png 520w, https:\/\/regional.simge.edu.sg\/korea\/wp-content\/uploads\/sites\/17\/2025\/10\/Mask-Group-48-300x254.png 300w\" sizes=\"(max-width: 520px) 100vw, 520px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ec27e3d e-con-full e-flex e-con e-child\" data-id=\"ec27e3d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-efdfd0e elementor-widget elementor-widget-text-editor\" data-id=\"efdfd0e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>SIM Global Education(GE)\uc740 \ud559\uc5c5 \uc774\uc0c1\uc758 \uac00\uce58\ub97c \uc9c0\ub2cc \ub2e4\uad6d\uc801 \uad50\uc721 \ubaa8\ub378\uc744 \uae30\ubc18\uc73c\ub85c \ud574\uc678 \uba85\ubb38 \ub300\ud559\uc758 \uad6d\uc81c\uc801\uc73c\ub85c \uc778\uc815\ubc1b\ub294 \ud559\uc704\ub97c \ucde8\ub4dd\ud558\uba74\uc11c \uc2f1\uac00\ud3ec\ub974\uc758 \uc548\uc804\uc131, \ud3b8\uc758\uc131, \ub2e4\uc591\ud55c \ubb38\ud654\uc801 \uacbd\ud5d8\uae4c\uc9c0 \ub204\ub9b4 \uc218 \uc788\ub294 \ucd08\uad6d\uac00 \uad50\uc721\uc758 \uc774\uc810\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc5ec\ub7ec\ubd84\uc740 \ud611\ub825 \ub300\ud559\uc774 \uc124\uacc4\ud55c \ucee4\ub9ac\ud058\ub7fc\uc744 \ud604\uc9c0 \uad50\uc721 \ud658\uacbd\uc5d0 \ub9de\uac8c \uc81c\uacf5\ubc1b\uc73c\uba70, \uac15\ub825\ud55c \uacbd\ub825 \uac1c\ubc1c \uc9c0\uc6d0\uacfc \ud559\uc0dd \uc11c\ube44\uc2a4\ub97c \ud1b5\ud574 \ubcf4\ub2e4 \ucda9\uc2e4\ud55c \ud559\uc2b5 \uacbd\ud5d8\uc744 \ub204\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<br \/><br \/><br \/>SIM GE\uc5d0\uc11c\ub294 \uc0b0\uc5c5\uc5d0 \uc801\ud569\ud55c \uc5ed\ub7c9\uc744 \uac16\ucd94\uace0, \ub2e4\ubb38\ud654\uc801 \ub124\ud2b8\uc6cc\ud06c\ub97c \ud615\uc131\ud558\uba70, \ub2e4\uc591\ud55c \uacbd\ub825 \ud658\uacbd\uc5d0\uc11c \uc131\uacf5\ud560 \uc218 \uc788\ub294 \uc790\uc2e0\uac10\uc744 \ud0a4\uc6b8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. SIM GE \uc878\uc5c5\uc0dd\ub4e4\uc740 \ub6f0\uc5b4\ub09c \uc9c4\ub85c \uc131\uacfc\ub97c \ubcf4\uc774\uace0 \uc788\uc73c\uba70 \uc804\uccb4 \ucde8\uc5c5\ub960\uc740 81%\ub97c \uae30\ub85d\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.*<br \/><br \/><br \/><\/p><p class=\"ewa-rteLine\"><em>* <a href=\"https:\/\/bit.ly\/PEIGES24-25\" target=\"_blank\" rel=\"noopener\">\uc2f1\uac00\ud3ec\ub974 \uae30\uc220\ubbf8\ub798\uccad(SSG)\uc774 \ubc1c\ud45c\ud55c 2024\/2025\ub144 \uc0ac\ub9bd\uad50\uc721\uae30\uad00(PEI) \uc878\uc5c5\uc0dd \ucde8\uc5c5 \uc870\uc0ac(GES)\uc5d0 \ub530\ub974\uba74<\/a>.<\/em><\/p><div class=\"ewa-rteLine\">\u00a0<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-44b66df e-flex e-con-boxed e-con e-parent\" data-id=\"44b66df\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-0b58515 e-con-full cta-section e-flex e-con e-child\" data-id=\"0b58515\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c7d50d1 elementor-widget elementor-widget-heading\" data-id=\"c7d50d1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Speak to an Advisor<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c02cf01 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"c02cf01\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Have questions about programmes or your eligibility for application? Schedule a one-on-one session with our recruitment specialists to get personalised guidance and clarity on your next steps.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6c330cd elementor-align-left btn-primary cta elementor-widget elementor-widget-button\" data-id=\"6c330cd\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"OpenAdvisorForm\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contact Us<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e8333ae e-con-full e-flex e-con e-child\" data-id=\"e8333ae\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3a04c51 position-unset elementor-widget elementor-widget-shortcode\" data-id=\"3a04c51\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>\uc9c4\uc815\ud55c \uae00\ub85c\ubc8c \uad50\uc721 \uacbd\ud5d8 SIM Global Education(SIM GE)\uc740 \uc138\uacc4\uc5d0\uc11c \uac00\uc7a5 \uc5ed\ub3d9\uc801\uc774\uace0 \uad6d\uc81c\uc801 \uc5f0\uacb0\uc131\uc774 \ub6f0\uc5b4\ub09c \ub3c4\uc2dc\uc778 \uc2f1\uac00\ud3ec\ub974 \uc911\uc2ec\ubd80\uc5d0\uc11c \uc9c4\uc815\ud55c \uae00\ub85c\ubc8c \uad50\uc721 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4408,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"inline_featured_image":false,"site-sidebar-layout":"no-sidebar","site-content-layout":"","ast-site-content-layout":"full-width-container","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-20","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.4 (Yoast SEO v28.4) - 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