[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"page:work\u002Fliving-wages\u002Ffaq-living-tariff":3},{"id":4,"slug":5,"title":6,"short_title":7,"intro_text":8,"meta_description":9,"seo_title":9,"path":10,"content_type":11,"locale":12,"go_live_at":7,"first_published_at":13,"page_created_at":14,"published_at":13,"edit_url":15,"breadcrumbs":16,"seo":24,"body_blocks":32,"call_to_action":33,"categories":40,"owner":7,"authors":45,"related_pages":46,"related_sites":51,"in_subsite":52,"contact_page_url":53,"banner_message":54,"faq_items":55,"faq_section_title":9,"faq_section_description":9},21614,"faq-living-tariff","FAQ - Living Tariff",null,"\u003Cp>Find answers to common questions about the Living Tariff and how it applies to gig workers and self-employed people. This FAQ explains how the tool works, what costs are included, how calculations are made, and how it relates to Living Wages and the cost of living.\u003C\u002Fp>","","\u002Fwork\u002Fliving-wages\u002Ffaq-living-tariff","pages.faqspage","en","2026-01-21T18:35:06.730000+00:00","2026-04-18T11:27:05.667150+00:00","\u002Fcms\u002Fpages\u002F21614\u002Fedit\u002F",[17,20,23],{"title":18,"slug":19},"World of Work","work",{"title":21,"slug":22},"Living Wages","living-wages",{"title":6,"slug":5},{"title":6,"description":9,"image":25,"canonical":26,"robots":27,"og_type":28,"twitter_card":29,"locale":12,"created_at":30,"last_modified_at":31},"https:\u002F\u002Fwageindicator.org\u002Fmedia\u002Fimages\u002FSocial_media_preview_image_-_2025.2e16d0ba.fill-1200x630.png","https:\u002F\u002Fwageindicator.org\u002Fwork\u002Fliving-wages\u002Ffaq-living-tariff\u002F","index, follow","website","summary_large_image","2026-01-21T19:35:06.730000+01:00","2026-04-18T13:27:05.952654+02:00",[],{"text":34,"link":35},"Contact us",{"title":34,"url":36,"description":34,"rel":37,"type":38,"id":39},"\u002Fabout\u002Fcontact","follow","internal",24590,[41],{"id":42,"slug":43,"name":44},4,"living-wage","Living Wage",[],[47],{"id":48,"short_title":7,"title":49,"url":50},24545,"Living Tariff","\u002Fwork\u002Fliving-wages\u002Fliving-tariff",[],false,"\u002Fwork\u002Fliving-wages\u002Fcontact-us","\u003Cp>Welcome to WageIndicator. Same organisation, same information, new look!\u003C\u002Fp>",[56,64,70,76,82,88,94,100,106,112,118,124,130,136,142,148,154,160,166,172,178,184,190,196,202,208,214,220,226,232,238,244,250,256,262,268,274,280,286,292],{"question":57,"answer":58,"featured":63},"1. What is the Living Tariff?",[59],{"type":60,"data":61},"text_block",{"content":62},"\u003Cp>The Living Tariff refers to the amount that self-employed or gig workers need to earn per day to achieve a living wage. It includes not only the daily living expenses, but also the cost of resources required for your work, such as work equipment costs, overhead costs, taxes, social security, and savings in case of illness and retirement. Considering these additional cost factors will help ensure that your income is sufficient to cover all the necessary costs associated with your work\u003C\u002Fp>",true,{"question":65,"answer":66,"featured":63},"2. What is a gig worker? How is it different from freelancer?",[67],{"type":60,"data":68},{"content":69},"\u003Cp>A gig worker is someone who takes on short-term tasks, often referred to as \"gigs\" for various clients or platforms. They usually do most of their work through platforms marketplace. Gig work can be anything from driving for a ride-sharing service to doing tasks on online platforms.\u003C\u002Fp>\u003Cp>A freelancer is a self-employed skilled professional who offers their specialized services to clients on a specific project-by-project basis.\u003C\u002Fp>\u003Cp>The terms \"gig worker\" and \"freelancer\" can mean the same thing. Gig worker usually refers to performing various short-term, task-oriented work, while freelancer usually refers to a skilled professional who offers specific services on a project basis. The Living Tariff applies to both these types of workers.\u003C\u002Fp>",{"question":71,"answer":72,"featured":63},"3. Why is Living Tariff important for me?",[73],{"type":60,"data":74},{"content":75},"\u003Cp>The Living Tariff is essential for gig workers and freelancers because it provides an overview of their actual income, helping them understand what a minimum tariff should be for their profession to maintain a decent standard of living. It allows them to make well-informed decisions about their work and income.\u003C\u002Fp>",{"question":77,"answer":78,"featured":63},"4. What is Living Tariff Tool?",[79],{"type":60,"data":80},{"content":81},"\u003Cp>Living Tariff is a tool designed for gig workers and freelancers to easily check and calculate their tariffs based on their type of job and the cost of living in the region. It considers all the costs associated with their work, including resources, waiting time, and savings for things like sickness and retirement.\u003C\u002Fp>\u003Cp>Essentially, it helps gig workers and freelancers understand how much they need to earn to achieve a sustainable income that covers their living expenses\u003C\u002Fp>",{"question":83,"answer":84,"featured":63},"5. Why did WageIndicator create Living Tariff Tool?",[85],{"type":60,"data":86},{"content":87},"\u003Cp>WageIndicator developed the Living Tariff concept. And the foundation developed together with GIZ the Living Tariff Tool for self - employed and gig workers in response to the exponential growth of the gig economy in the past decade. With an increasing number of individuals relying on gig work as their primary source of income, there emerged a pressing need to address the challenges faced by gig workers in determining fair compensation for their labor. The gig economy's rapid expansion had given rise to a complex platforms and job types, each offering a diverse range of tariff rates. This variability made it challenging for gig workers to assess the true value of their work, often leaving them uncertain about whether they were receiving fair compensation for their services. Consequently, WageIndicator recognized the necessity of creating a Living Tariff Tool to empower gig workers with a means to comprehensively understand and determine a minimum rate for a decent living\u003C\u002Fp>",{"question":89,"answer":90,"featured":52},"6. What is the objective of Living Tariff Tool?",[91],{"type":60,"data":92},{"content":93},"\u003Cp>The objective in creating a Living Tariff Tool for gig workers is to:\u003C\u002Fp>\u003Cp>- Empower gig workers and self - employed \u002F freelancers by offering them a free and easily accessible tool that calculates fair tariffs, ensuring they receive just compensation for their work.\u003C\u002Fp>\u003Cp>- Provide insights into tariff benchmarks, enabling workers to make informed decisions about their gig and freelance work and negotiate better payment terms.\u003C\u002Fp>\u003Cp>- Promote transparency in the gig economy and facilitate more equitable compensation practices, thereby reducing information imbalances between gig workers and employers.\u003C\u002Fp>\u003Cp>- Utilize data-driven calculations based on extensive research on various job types, WageIndicator Living Wage data, and legal standards to provide accurate and up-to-date information.\u003C\u002Fp>\u003Cp>- Contribute to the broader discussion on gig worker rights and fair labor practices by addressing compensation issues within the gig economy.\u003C\u002Fp>\u003Cp>- Commit to continuous development and refinement of the tool, incorporating user feedback and adapting to changing economic factors to ensure its ongoing relevance and effectiveness for both gig workers and freelancers.\u003C\u002Fp>",{"question":95,"answer":96,"featured":52},"7. Who can use Living Tariff Tool?",[97],{"type":60,"data":98},{"content":99},"\u003Cp>The Living Tariff Tool can be used by self-employed and platform workers who are paid per job, as well as others who perform work described in the tool. It provides insights into the income needed for various professions.\u003C\u002Fp>",{"question":101,"answer":102,"featured":52},"8. I do not work via a platform, but I do perform work described in this tool. Does the Living Tariff then also apply to me?",[103],{"type":60,"data":104},{"content":105},"\u003Cp>Yes, the Living Tariff applies to anyone performing work described in the tool, whether they work through an online platform or not. Users can adjust certain variables to better match their personal situation.\u003C\u002Fp>",{"question":107,"answer":108,"featured":52},"9. How was the Living Tariff calculated?",[109],{"type":60,"data":110},{"content":111},"\u003Cp>The Living Tariff is composed of four main components:\u003C\u002Fp>\u003Cp>A. WageIndicator’s Living Wage\u003C\u002Fp>\u003Cp>B. Work-related equipment cost\u003C\u002Fp>\u003Cp>C. Overhead cost\u003C\u002Fp>\u003Cp>D. Income taxes and social security\u003C\u002Fp>\u003Cp>The total of the four components above makes the minimum Living Tariff\u003C\u002Fp>\u003Cp>\u003Cb>(A) + (B) + (C) + (D) = Living Tariff\u003C\u002Fb>\u003C\u002Fp>",{"question":113,"answer":114,"featured":52},"10. What is WageIndicator’s Living Wage?",[115],{"type":60,"data":116},{"content":117},"\u003Cp>The WageIndicator Living Wage is the income that a worker should receive to have a decent life according to the cost of living data collected by WageIndicator. In most countries, the Living Wage is higher than the legal Minimum Wage and covers various essential expenses to ensure a decent standard of living.\u003C\u002Fp>",{"question":119,"answer":120,"featured":52},"11. What is covered in the WageIndicator Living Wage?",[121],{"type":60,"data":122},{"content":123},"\u003Cp>The WageIndicator Living Wage includes various expenses such as:\u003C\u002Fp>\u003Cp>- Food\u003C\u002Fp>\u003Cp>- Housing and utilities: water, electricity, heating, garbage collection, routine maintenance, cooking fuel\u003C\u002Fp>\u003Cp>- Transport\u003C\u002Fp>\u003Cp>- Drinking water\u003C\u002Fp>\u003Cp>- Phone\u003C\u002Fp>\u003Cp>- Clothing\u003C\u002Fp>\u003Cp>- Health\u003C\u002Fp>\u003Cp>- Education\u003C\u002Fp>\u003Cp>- 5 percent provision for unexpected events\u003C\u002Fp>\u003Cp>To know more about how WageIndicator Living Wage is calculated, please head over to \u003Ca href=\"\u002Fwork\u002Fliving-wages\u002Ffaq\">FAQ Living Wage\u003C\u002Fa>\u003C\u002Fp>",{"question":125,"answer":126,"featured":52},"12. Are the housing costs based on single or family accommodations?",[127],{"type":60,"data":128},{"content":129},"\u003Cp>In the Living Tariff tool the costs of housing is based on a 2 to 3-bedroom apartment.\u003C\u002Fp>",{"question":131,"answer":132,"featured":52},"13. How are transport costs estimated?",[133],{"type":60,"data":134},{"content":135},"\u003Cp>The Living Tariff Tool calculates two types of transportation costs:\u003C\u002Fp>\u003Cp>Transportation cost is included in the Living Wage component\u003C\u002Fp>\u003Cp>This covers expenses for a monthly pass for public passenger transportation in most places, assuming that each household member should be able to afford a transportation card. In other areas, the price of a one-way ticket to the nearest town in local transport is converted to a monthly amount.\u003C\u002Fp>\u003Cp>Transportation cost is included in the work-equipment component\u003C\u002Fp>\u003Cp>This refers to transport costs related to the job, including the vehicle (car, motorbike), fuel, services, etc. For example, this applies to taxi drivers or riders. The data are collected in a specific section of the WageIndicator Cost-of-Living survey called \"Occupational related items,\" and these prices are used to calculate Living Tariffs for gig workers.\u003C\u002Fp>",{"question":137,"answer":138,"featured":52},"14. How is the transportation cost calculated for gig workers specifically on the transportation platform?",[139],{"type":60,"data":140},{"content":141},"\u003Cp>Gig workers, particularly those using transportation platforms, face higher transportation costs compared to average workers due to their increased mobility. The transportation costs for gig workers on the transportation platform are calculated separately, and they are included in the work-equipment component. This calculation takes into account the vehicle costs (car, motorbike, bike, van), which include fuel, services, helmets, etc. We source these costs from the WageIndicator cost of living survey. Additionally, we make assumptions about the average kilometers traveled by delivery personnel, based on statistics from a delivery company. Specifically, we assume 250 km\u002Fweek with a fuel consumption of 0.045 liters\u002Fkm for a motorbike, and 220 km\u002Fweek with a consumption of 0.066 liters\u002Fkm for a car\u003C\u002Fp>",{"question":143,"answer":144,"featured":52},"15. Does the tool offer adjustments for workers who have dependents or are the sole breadwinners in their families?",[145],{"type":60,"data":146},{"content":147},"\u003Cp>The Living Tariff Tool is based on the Living Wage for a Typical Family concept, which assumes a specific family composition to calculate the living wage. In particular, it assumes two adults, and a number of children determined by the country-specific fertility rate, representing the average number of children in a family. Adjustments for dependents or sole breadwinners are not available in the tool.\u003C\u002Fp>",{"question":149,"answer":150,"featured":52},"16. Why is the Living Wage in some areas lower than the applicable Minimum Wage?",[151],{"type":60,"data":152},{"content":153},"\u003Cp>In general, the Minimum Wage is often relatively low around the world, with a difference of up to 80% between the Minimum Wage and the Living Wage. However, in certain regions or countries, the Living Wage may be lower than the Minimum Wage. This happens when the Minimum Wage is considered \"reasonably good\" and meets the cost of decent living in that region. While the Living Wage Check tool is currently calculated based on the Living Wage, the WageIndicator team plans to adjust it soon to reflect areas (cities\u002Fdistricts) where the Minimum Wage is higher than the Living Wage.\u003C\u002Fp>",{"question":155,"answer":156,"featured":52},"17. There are cases where the cost of living varies significantly between different regions or cities within the same province, and how does this impact the calculation of the WageIndicator Living Wage?",[157],{"type":60,"data":158},{"content":159},"\u003Cp>The WageIndicator cost of living data shows differences in the components of the cost of living in certain regions being more expensive than others. The main factors causing this difference are the food and housing price components, which have a greater impact than, for example, clothing. It is important to note that WageIndicator does not adjust the cost of living data by city\u002Fdistrict but rather by province. \u003C\u002Fp>",{"question":161,"answer":162,"featured":52},"18. What is the work-related equipment cost?",[163],{"type":60,"data":164},{"content":165},"\u003Cp>Work related equipment costs refer to the expenses incurred by workers for the tools and equipment they need to perform their work effectively\u003C\u002Fp>",{"question":167,"answer":168,"featured":52},"19. What expenses are covered by work related equipment costs?",[169],{"type":60,"data":170},{"content":171},"\u003Cp>Work-related equipment cost can include items like a laptop, smartphone, internet connection, phone credit, vehicles (motorbike and car) including fuel, services, a helmet, or a uniform\u003C\u002Fp>",{"question":173,"answer":174,"featured":52},"20. What is the standard used for work related equipment costs? How do you calculate\u002Fassume the work related equipment standard use in this tool?",[175],{"type":60,"data":176},{"content":177},"\u003Cp>WageIndicator bases its calculations on the assumption that work equipment items such as cell phones, motorcycles, and cars have an average lifetime. Data on the cost of work equipment is obtained from WageIndicator's cost of living survey data and from this data we determine a certain period of time over which the value of each component is spread. For example, for cars, we set a period of 5 years of use.\u003C\u002Fp>\u003Cp>To ensure accuracy, WageIndicator has consulted gig work experts and economists to identify the work equipment used in each job. However, on page 3, workers have the flexibility to adjust the costs expenses for work equipment according to their individual conditions.\u003C\u002Fp>",{"question":179,"answer":180,"featured":52},"21. Are work-related costs for equipment one-time or recurring?",[181],{"type":60,"data":182},{"content":183},"\u003Cp>Work-related costs are recurring costs. We assume that either a laptop, a phone or bike needs to be repaired and a new\u002Fsecond hand needs to be bought.\u003C\u002Fp>",{"question":185,"answer":186,"featured":52},"22. Do they account for repairs or maintenance?",[187],{"type":60,"data":188},{"content":189},"\u003Cp>Yes. The work related costs do account for repair and maintenance of equipment. If you feel it is not suitable for you, the tool offers options on page 3 for you to customize the variables according to your situation.\u003C\u002Fp>",{"question":191,"answer":192,"featured":52},"23. What is overhead time?",[193],{"type":60,"data":194},{"content":195},"\u003Cp>Overhead time refers to the time spent by self-employed or platform workers on activities related to their work, but not directly billable to clients.\u003C\u002Fp>",{"question":197,"answer":198,"featured":52},"24. What is included in overhead time?",[199],{"type":60,"data":200},{"content":201},"\u003Cp>Overhead time includes various activities, such as:\u003C\u002Fp>\u003Cp>- Administration\u003C\u002Fp>\u003Cp>Administration time includes tasks related to managing work, tasks, schedules, and other administrative responsibilities.\u003C\u002Fp>\u003Cp>- Acquisition and communication\u003C\u002Fp>\u003Cp>Acquisition and communication time includes activities related to acquiring tasks and communicating with users and platforms for work-related purposes.\u003C\u002Fp>\u003Cp>- Training\u003C\u002Fp>\u003Cp>Training time includes time spent on task-related training and skill enhancement to improve one's work capabilities.\u003C\u002Fp>\u003Cp>- Waiting time (between tasks)\u003C\u002Fp>\u003Cp>Waiting time includes the time spent waiting for the next job or task in professions like delivery and taxi. It is time available for work but usually not compensated.\u003C\u002Fp>",{"question":203,"answer":204,"featured":52},"25. What is the standard used for overhead time? How do you calculate\u002Fassume the overhead time standard use in this tool?",[205],{"type":60,"data":206},{"content":207},"\u003Cp>The standard overhead can be seen in page 2 of the tool. WageIndicator assumed the time and the equipment by consulting gig work experts and economists. If the worker does not agree, though, there is page 3 where these assumptions can be adapted.\u003C\u002Fp>",{"question":209,"answer":210,"featured":52},"26. How does WageIndicator calculate overhead costs?",[211],{"type":60,"data":212},{"content":213},"\u003Cp>On the basis of page 2 in the tool you can see how WageIndicator assumes overhead per hour. Minutes are transformed in time that should be paid for (the same as leave). This time is deducted from the total working hours and the amount per month is then divided by the new total hours, thus getting to a higher hourly rate (which covers for these costs).\u003C\u002Fp>",{"question":215,"answer":216,"featured":52},"27. How do I calculate other specific expenses that I spend but are not included in the WageIndicator calculation on page 3? For example, a teacher needs special equipment for teaching, a handymen or hairdresser needs special tools for their work",[217],{"type":60,"data":218},{"content":219},"\u003Cp>On page 3, you have the flexibility to customize your specific expenses based on your situation and needs. The tool includes the \"Your miscellaneous work-related costs\" section, which allows you to enter all these additional monthly expenses in a lump sum, on top of the other expenses you have already entered. The system will convert them into hourly additional cost in the grand total.\u003C\u002Fp>",{"question":221,"answer":222,"featured":52},"28. What is the standard used for working hours standard?",[223],{"type":60,"data":224},{"content":225},"\u003Cp>WageIndicator uses its standard weekly working hours database to define the number of typical working hours in a country. Standard weekly working hours refer to an estimation of the typical number of hours that employees work in a week, based on common work patterns in a country. These are not necessarily the legally mandated maximum working hours but rather reflect what most workers actually work in practice, regardless of industry or occupation.\u003C\u002Fp>\u003Cp>WageIndicator collects this information through desk research, reviewing labor laws, collective agreements, external working hours datasets (World Bank, ILO, OECD), surveys as well as the Minimum Wages Database. The legally mandated working hours usually define the maximum number of hours allowed, which may be higher than the hours people typically work. This is why WageIndicator focuses on standard working hours rather than just the legal maximum.\u003C\u002Fp>",{"question":227,"answer":228,"featured":52},"29. What kind of employee is used as a basis of comparison for the Living Tariff? Is this based on a median wage, an entry-level wage, or some other measure?",[229],{"type":60,"data":230},{"content":231},"\u003Cp>The Living Tariff has as a basis the minimum that is needed to have a decent life. It is based on cost of living, not on education or performance level.\u003C\u002Fp>",{"question":233,"answer":234,"featured":52},"30. Why is there no variable to add information about the length of work experience of a gig worker? Because work experience can also affect the tariff",[235],{"type":60,"data":236},{"content":237},"\u003Cp>Currently, the Living Tariff Tool prioritizes to focus on calculating the living needs of workers, for which WageIndicator already has sufficient data to do the calculation. Therefore, it doesn't include the work experience variable. For now, the Living Tariff Tool is designed to address the core factors related to the cost of living and the additional costs (work equipment, overheads, taxes, and social security) associated with gig workers and freelancers. However, it's possible that the work experience variable will be added in the future, as the Living Tariff Tool evolves with the feedback and experience of the tool's users.\u003C\u002Fp>",{"question":239,"answer":240,"featured":52},"31. Can the Living Tariff Tool accommodate multiple jobs for gig workers, or do you need to combine all your calculations into one?",[241],{"type":60,"data":242},{"content":243},"\u003Cp>The Living Tariff Tool can show you how much you need to earn and work to have a decent life, whether you work for one platform or many. It can also be used to calculate multiple jobs or subcontracting scenarios, but you can do this by individually selecting the type of work you do.\u003C\u002Fp>",{"question":245,"answer":246,"featured":52},"32. I cannot find the type of job that I do, what can I do?",[247],{"type":60,"data":248},{"content":249},"\u003Cp>If you cannot find your specific job in the Living Tariff Tool, you may choose a job that is similar or closely related to your own. The tool is designed to offer insights across various job, and choosing a similar job can provide a reasonable estimate. The most general option that you can select is 'platform for freelancing' and then 'Other professional services'.\u003C\u002Fp>",{"question":251,"answer":252,"featured":52},"33. There is the same type of job in different platforms (e.g., translator) in the Living Tariff Tool, which one should I choose?",[253],{"type":60,"data":254},{"content":255},"\u003Cp>In the Living Tariff Tool, workers are expected to focus on choosing the type of work rather than the platform. For example, if you are a translator, you can choose the type of work first, and then choose the platform, because the type of work is the main determining factor. Note that the result will be the same whether you select 'translator' from one platform or another. The type of work takes precedence in the calculation of the Living Tariff.\u003C\u002Fp>",{"question":257,"answer":258,"featured":52},"34. Is the calculation in the Living Tariff Tool realistic?",[259],{"type":60,"data":260},{"content":261},"\u003Cp>The Living Tariff calculation is based on averages and assumptions applicable to your country. While it may differ from what you currently earn through a platform, it is intended to demonstrate what you would need to earn for a decent income. Its realism depends on the cost of living in your region.\u003C\u002Fp>",{"question":263,"answer":264,"featured":52},"35. Does the Living Tariff account for slower months where less work is available?",[265],{"type":60,"data":266},{"content":267},"\u003Cp>The Living Tariff assumes the needs for a full year on average, which means it does not specifically account for slower months with less available work. Extra financial planning may be necessary in such cases.\u003C\u002Fp>",{"question":269,"answer":270,"featured":52},"36. Does the Living Tariff account for emergency funds, which are essential for financial planning, especially for gig workers with fluctuating incomes?",[271],{"type":60,"data":272},{"content":273},"\u003Cp>The standard version of the tool does not account for emergency funds, but in the customized version (page 3), users can add special reservations to account for financial planning, including emergency funds.\u003C\u002Fp>",{"question":275,"answer":276,"featured":52},"37. Can the Living Tariff Tool be customized according to my needs and\u002For situation?",[277],{"type":60,"data":278},{"content":279},"\u003Cp>Yes, you can adjust certain variables to suit your needs, such as working hours, cost of supplies, retirement savings, health costs, and overhead time. You can do so by filling in the numbers on the third page of this Living Tariff Tool to better suit your personal situation.\u003C\u002Fp>",{"question":281,"answer":282,"featured":52},"38. How adaptable is the Living Tariff to economic changes like inflation or recession?",[283],{"type":60,"data":284},{"content":285},"\u003Cp>The tool is updated quarterly to reflect changes in the cost of living, making it adaptable to economic changes like inflation or recession.\u003C\u002Fp>",{"question":287,"answer":288,"featured":52},"39. How often are the Living Tariff Tool calculations updated to reflect changes in regulations and in the Living Wage (cost of living)?",[289],{"type":60,"data":290},{"content":291},"\u003Cp>The Living Tariff Tool is updated every quarter to reflect changes in the cost of living, but it may not specifically track changes in regulations. Applicable tax brackets and social security contributions are updated twice a year.\u003C\u002Fp>",{"question":293,"answer":294,"featured":52},"40. Is there a mechanism in the Living Tariff Tool that alerts users when the data is outdated or when new updates are available?",[295],{"type":60,"data":296},{"content":297},"\u003Cp>Users who subscribe to the newsletter receive updates, ensuring that the tool remains current and that they are informed of any changes or updates.\u003C\u002Fp>"]