<keyword id="6354504" type="UNKNOWN" weightage="20" keywordseo="Reliance-Jio">Reliance Jio</keyword> launched its 4G VoLTE enabled <keyword id="4792220" type="UNKNOWN" weightage="20" keywordseo="JioPhone">JioPhone</keyword> at Rs 0 at the 40th AGM of the <keyword id="6355199" type="CITY" weightage="20" keywordseo="Reliance-Industries">Reliance Industries</keyword>. Besides the JioPhone, Reliance also launched its cable TV device. While launching the JioPhone, RIL Chairman <keyword id="3820" type="PERSON" weightage="20" keywordseo="Mukesh-Ambani">Mukesh Ambani</keyword> said it will reinvent the feature phone and from August 15th, Indians will have access to highest quality and quantity, affordable and unlimited data. The JioPhone will be available for free but buyers will have to deposit a fee of Rs 1500 which will be refundable after three years on returning the phone. The pre-booking will start from August 24 and will be available from September this year. While announcing the specifications of the JioPhone, Esha Ambani said, “It is made in India by the young Indian.” Here are the features of the JioPhone: <ol><li>Reliance JioPhone is 4G VoLTE feature phone and sports a square design, along with a 2.4-inch QVGA display. </li><li>It will come with an Alphanumeric keypad, dedicated button for torchlight, headphone jack, microphone, speaker, SD card slot, etc.</li><li>JioPhone supports all languages, and users can speak to the device via voice commands. </li><li>You can browse internet on the JioPhone as well and comes pre-loaded with Jio apps. </li><li>JioPhone has SOS feature, which can be activated by pressing 5.</li><li>Jio has launched recharge plans as well sachet packs, which start at Rs 153 per month. It gives users unlimited data on this 4G VoLTE feature phone.</li></ol>

JioPhone launched; these are the key features

<keyword id="6355199" type="UNKNOWN" weightage="20" keywordseo="Reliance-Industries">Reliance Industries</keyword> Chairman <keyword id="3820" type="UNKNOWN" weightage="20" keywordseo="Mukesh-Ambani">Mukesh Ambani</keyword> had announced a refundable security deposit of Rs 1500 while rolling out the <keyword id="4792220" type="ORGANIZATION" weightage="100" keywordseo="jiophone">JioPhone</keyword>. He said the deposit will be refunded after three years, making the JioPhone free for the customers. As per the latest development, it is likely that Reliance may roll out a partial refund of the security deposit before the three-year lock-in period. The pre-booking of 4G feature phone, rolled out by <keyword id="6354504" type="PERSON" weightage="100" keywordseo="reliance-jio">Reliance Jio</keyword>, will begin from August 24 and as per various reports, the telecom operator is mulling over partial roll out scheme. Reportedly, Jio may announce the terms of the refund scheme in the next few days. Reliance Jio is considering whether the refund policy and additional monthly tariff of Rs 153 would be attractive enough for users to switch to JioPhone or not. According to a Goldman Sachs report, subscribers who pay Rs 1,500 as deposit for three years for a phone and pay Rs 164 per month are two mutually exclusive sets.

Reliance Jio may give you part refund on JioPhone before 3-year lock-in period. Here are the details

Reliance Chairman <keyword id="3820" type="PERSON" weightage="100" keywordseo="Mukesh-Ambani">Mukesh Ambani</keyword> launched India’s cheapest phone-JioPhone-free of cost. Users will just have to pay Rs 1500 as security deposit which will be returned after three years. The <keyword id="4792220" type="UNKNOWN" weightage="20" keywordseo="JioPhone">JioPhone</keyword>, which was launched during the 40th AGM of Reliance Industries, will disrupt the feature phone market. While addressing the gathering, Ambani said JioPhone will make the 2G feature phone obsolete. “With this, I am sure Jio will set a new world record,” he said. Ambani said he wants every India should have access to data and reiterated his belief that ‘data is the oxygen in today’s world’. He made several crucial points during the AGM Here are the quotes

15 crucial points Mukesh Ambani made during launching JioPhone

<keyword id="6355199" type="CITY" weightage="20" keywordseo="Reliance-Industries">Reliance Industries</keyword> Chairman <keyword id="3820" type="PERSON" weightage="100" keywordseo="Mukesh-Ambani">Mukesh Ambani</keyword> launched India ka ‘JioPhone’ at Rs 0. This is going to disrupt the smartphone market. Ambani said they plan to collect refundable deposit of Rs 1500 from users to protect misuse of the free offer. A JioPhone user can use the phone for 36 months and get back the deposit amount. “Today, Jio is going to reinvent the conventional feature phone. Let me introduce India ka Intelligent SmartPhone-JioPhone,” announced Ambani. "We plan to collect a fully refundable, one-time, security deposit of Rs 1,500 with everyone. From 15th August, 2017, all Indians will have access to the highest quality &amp; quantity, affordable &amp; unlimited data," said Ambani, adding "This is how Jio will end the digital exclusion in India. And this is what I call true digital freedom." The JioPhone will be available from September and the pre-booking will start from August 24. "The JioPhone will be available for user testing in beta from 15th August and for pre-booking from 24th August," said Ambani. Starting August 15, JioPhone will give users unlimited data to feature phone users. JioPhone will have <keyword id="4405573" type="UNKNOWN" weightage="20" keywordseo="jio-dhan-dhana-dhan">Jio Dhan Dhana Dhan</keyword> plan at Rs 153. In order to fit every pocket, Mukesh Ambani introduced two sachets, launching weekly plans. "If these users were to consume a similar quantity of data on other operator's network, they would spend Rs 4,000 – 5,000 per month. Jio will provide this at only Rs 153 per month, that is one-thirtieth, 3% of the existing price," said Ambani. Ambani dedicated the JioPhone to the nation and said digital life will no longer be the privilege of the affluent few. "JioPhone will make the 2G feature phone obsolete. With this, I am sure Jio will set a new world record. From last quarter of 2017, all Jio phones will be made in India. We are targeting to have 5 million Jio Phones a week," said Ambani. JioPhone is a ‘Made in India’ 4G VoLTE enabled smartphone and is designed to be easy and friendly. The JioPhone supports all Indian languages. Voice calls from JioPhone will be free and 50 crore feature phone users don't have access to basic internet. Today, every young India should have information access at his fingertips and this is what JioPhone will enable," said Ambani. He said the digital disempowerment and unfairness must end and Jio is committed to end it. "We shall achieve this in three ways – Connectivity, Data Affordability and Device Affordability," said Ambani.

Breaking News: Mukesh Ambani launches ‘JioPhone’ for free. Here are all the details

<ul><li>The <keyword id="17814681" type="General" weightage="80" keywordseo="Nothing-Phone" source="Denny">Nothing Phone</keyword> (2) is scheduled to launch in India on July 11.</li><li>Interested customers can pre-book the smartphone from July 29.</li><li>Company says customers who pre-book the device will get access to exclusive offers.</li></ul>Carl Pei-led Nothing is all set to launch the<a href="https://www.businessinsider.in/tech/mobile/news/nothing-phone-2-to-launch-in-india-on-july-11-heres-everything-we-know-so-far/articleshow/100968848.cms"> Nothing Phone (2)</a>, its second smartphone in India on July 11. In addition to the smartphone, the company is also scheduled to launch a new transparent USB Type-C cable at the event. Ahead of the launch, Flipkart has started accepting pre-orders for the Nothing Phone (2). Users can pre-book the smartphone to get it delivered even before the open sale begins. Nothing has also announced some exclusive offers for users who pre-book the device. <cmsannotation type="cmsannotation" annotationid="Nothing Phone (2) pre-booking offers" comment="subhead" text="Nothing Phone (2) pre-booking offers">Nothing Phone (2) pre-booking offers</cmsannotation> Here are the offers available to users who pre-book the Nothing Phone (2) – <ul><li>50% discount on the Nothing Ear (stick).</li><li>50% discount on Nothing accessories package.</li><li>Instant cashback with leading banks.</li></ul><cmsannotation type="cmsannotation" annotationid="How to pre-order Nothing Phone (2)?" comment="subhead" text="How to pre-order Nothing Phone (2)?">How to pre-order Nothing Phone (2)?</cmsannotation> <ul><li>To pre-order the Nothing Phone (2), go to<a href="https://www.flipkart.com/nothing-phone2-coming-soon-34hg-store"> Flipkart</a> on June 29, 12 noon.</li><li>Pay a refundable deposit of INR 2,000 to pre-book your smartphone.</li><li>Go to Flipkart between July 11 to July 20.</li><li>Now, select the variant that you wish to purchase.</li><li>Then, pay the balance amount and avail any of the pre-booking offers.</li></ul><cmsannotation type="cmsannotation" annotationid="Nothing Phone (2) launch date" comment="subhead" text="Nothing Phone (2) launch date">Nothing Phone (2) launch date</cmsannotation> The Nothing Phone (2) will launch on July 11 at 8:30 PM IST. Like its predecessor, the device will be launched in an online event. <cmsannotation type="cmsannotation" annotationid="Nothing Phone (2) expected specifications" comment="subhead" text="Nothing Phone (2) expected specifications">Nothing Phone (2) expected specifications</cmsannotation> The Nothing Phone (2) is expected to feature a large 6.7-inch Full HD+ AMOLED display on the front. The device is confirmed to be powered by the Snapdragon 8+ Gen 1 chipset and may offer up to 12GB of RAM. The Nothing Phone (2) is expected to be powered by a 4,700mAh battery and will support fast charging. The device will get three years of Android updates and four years of security updates. We should know more about the device, including its Indian pricing and availability in the coming days. SEE ALSO: <a href="https://www.businessinsider.in/tech/news/carl-pei-led-nothing-may-launch-a-smartwatch-after-nothing-phone-2/articleshow/101182896.cms">Carl Pei-led Nothing looks set to join the smartwatch party in India</a> <a href="https://www.businessinsider.in/tech/mobile/news/smartphone-makers-urge-indian-government-to-reduce-input-tariffs-to-increase-competitiveness/articleshow/101272037.cms">Smartphone makers want India to take the fight to China and Vietnam further</a> <a href="https://www.businessinsider.in/tech/mobile/news/jiophone-5g-leak-reveals-design-key-specifications-ahead-of-launch/articleshow/101209095.cms">JioPhone 5G leak reveals design, key specifications ahead of launch</a>

Nothing Phone (2) pre-orders to begin from June 29 – Here’s how to book yours

<ul><li>You can buy and store gold using the existing payment app.</li><li>The gold you purchase will be stored in the Gold Locker in the <keyword id="6832138" type="General" weightage="20" keywordseo="google-pay-app" source="Orion">Google Pay app</keyword>.</li><li>You can sell the gold on the same platform. </li></ul>Purchasing and storing gold has now become even easier with the introduction of digital gold transactions. People who are looking to invest in gold don’t need to go to a physical store anymore as they can simply log on to apps like <keyword id="2750705" type="General" weightage="20" keywordseo="google-pay" source="Orion">Google Pay</keyword>, Paytm and others that offer digital gold and purchase it. Digital gold is easy to store and more secure, as you do not have to keep the physical gold with yourself. You can also sell the gold online on the same platform where you store them. In this article, we explore how to buy and sell gold on Google Pay. Google Pay lets you digitally buy and store gold from MMTC-PAMP India Pvt. Ltd. within your existing payment application. The Google App comes with a Gold Locker where you can store all the gold you purchase through the app. You can digitally sell the gold you own in your Gold Locker back to MMTC-PAMP. Just follow the simple steps to buy and sell gold on Google Pay. <cmsannotation type="cmsannotation" annotationid="How to buy gold" comment="subhead" text="How to buy gold"><keyword id="6043011" type="General" weightage="20" keywordseo="how-to-buy-gold" source="Orion">How to buy gold</keyword></cmsannotation> <ul><li>Open Google Pay app.</li><li>Tap on New Payment at the bottom of the screen.</li><li>In the search bar, look for "Gold Locker” and press enter.</li><li>Tap on the Gold Locker.</li><li>Tap Buy and the current market buying price of gold (including tax) will appear.</li><li>The price stays locked for only for 5 minutes after you begin the purchase.</li><li>Now enter the amount of gold you want to buy, in INR ₹.</li><li>Tap on the Check mark.</li><li>Select your preferred method of payment in the next window.</li><li>Tap on Proceed to pay to complete the transaction.</li><li>After the transaction is confirmed, the gold should appear in your Locker within a few minutes.</li></ul>There’s no overall limit on the amount of gold you can purchase and store, however there is a daily limit of ₹50,000 worth of gold. The minimum purchase amount is ₹1 of gold. However, accounts that total over ₹49,999 must follow Know Your Customer (KYC) norms before any additional purchases are made. To sell you must have purchased gold in the Gold Locker. The money made from the sale will be credited to your primary bank account associated with the Google Pay account. You can also arrange for a legal heir to inherit the gold in your Gold Locker. Follow the steps below to sell gold. <cmsannotation type="cmsannotation" annotationid="How to sell gold" comment="subhead" text="How to sell gold"><keyword id="8623755" type="General" weightage="20" keywordseo="how-to-sell-gold" source="Orion">How to sell gold</keyword></cmsannotation> <ul><li>Open the Google Pay app.</li><li>Tap on New Payment at the bottom of the screen.</li><li>In the search bar, look for "Gold Locker” and press enter.</li><li>Tap on the Gold Locker.</li><li>Tap Sell. The current market selling price of gold appears.</li><li>The price stays locked for 8 minutes after you begin the transaction as the price fluctuates throughout the day.</li><li>Enter the amount of gold you want to sell in mg. The market value is displayed in INR ₹ under the amount of gold selected.</li><li>Tap on the tick mark to complete the sale.</li><li>After your sale is confirmed, the amount should appear in your bank account within a few minutes.</li></ul>In the event of the death of the account holder, the legal heir can inherit the gold from the Gold Locker. The legal heir must contact Google Pay/MMTC-PAMP and inform them of their status as legal heir. After confirming the heir’s identity, MMTC-PAMP closes the gold account and physically delivers the gold to them. SEE ALSO: <a href="https://www.businessinsider.in/tech/mobile/news/jio-and-googles-low-cost-smartphone-check-out-expected-price-camera-display-ram-and-battery-specifications/slidelist/85974170.cms">JioPhone Next — All we know about Jio and Google’s low-cost smartphone</a> <a href="https://www.businessinsider.in/personal-finance/news/investors-will-be-able-to-open-fixed-deposit-accounts-fds-on-google-pay/articleshow/85646488.cms">Google Pay to let users open fixed deposits on its platform</a>

Here’s how to buy and sell gold on Google Pay

<ul><li>Uni claims to have issued 20,000 cards to date, with 1,000 new additions per day.</li><li>The company aims to issue one million <keyword id="6387037" type="General" weightage="20" keywordseo="credit-cards" source="Orion">credit cards</keyword> by the end of June 2022.</li><li>It raised $18.5 million from Lightspeed and Accel last year, nine months before officially launching its product.</li></ul><keyword id="12065183" type="General" weightage="20" keywordseo="indias-credit-card" source="Orion">India’s credit card</keyword> system is a mess to say the least. You need a credit score to get a credit card, you need a credit card to get a credit score. The loop continues. Now PayU India’s former chief executive (CEO) and cofounder Nitin Gupta — who also led Ola Financial Services — has embarked on a journey to make this process simpler with his latest venture Uni. He is joined by Prateek Jindal, who previously built Ola Money, and Laxmikant Vyas, who has previously headed Bajaj Finance. Founded last year in October, Uni is a fintech startup that offers a special Visa 1/3 card, in partnership with RBL Bank and Mauritius-based SBM Bank, to its customers. This offering works pretty much like a credit card, but divides all of the customer's transactions into three installments that have to be repaid over a period of three months without any interest. The customers also have the option to extend the timeline of these installments by paying a small carry forward fee. This carry forward fee is one of the sources of income for Uni, along with the interest they are charged. Like a credit card, Uni too earns on each transaction carried out by these 1/3 cards. Uni — which launched its first product in June 2021 — claims to have issued 20,000 cards to date, with 1,000 new customers being added every day. The company is aiming for a 10-fold growth by June next year and issue a million such cards. The one-year-old startup seems well funded to do so. Even before Uni was officially unveiled in October last year, the company had raised $18.5 million in seed funding from Lightspeed India and Accel. The company is <a href="https://entrackr.com/2020/08/exclusive-nitin-guptas-new-fintech-startup-set-to-raise-20-mn-from-accel-and-lightspeed/">estimated</a> to be valued at $40-45 million. One of the major perks of having a credit card is the cashbacks and rewards one earns on each transaction. Uni definitely lacks that to a large extent. A customer gets 1% cashback as reward if they choose to repay their entire bill in lump sum, instead of opting for three installments. This is still a lot less compared to the points and cashback you get on each transaction carried out by a regular credit card. The company plans to launch an in-app reward store next month. <table style="border-width: initial; border-style: none;" class="redcator-table-advance"><colgroup></colgroup><col /><col /><tbody><tr><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">Popular credit cards in India </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">Perks </td></tr><tr><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">Axis Bank Ace Credit Card </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">4-5% cashback on bill payments, mobile recharges, Swiggy, Zomato, Ola. 2% cashback on every other spend. </td></tr><tr><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">Amazon Pay ICICI Card </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">3-5% cashback on all purchases on Amazon. 1% cashback on each transaction, 2% reward points on recharge and bill payments. </td></tr><tr><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;"> HDFC Regalia </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">10,000 Reward Points on spending ₹5 lakh and priority dining facility in top restaurants across the country. </td></tr><tr><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">SBI BPCL Octane Credit Card </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">7.25% value-back on BPCL petrol pump. Ten reward points on every ₹100 spent on groceries, department stores, movie tickets and dining. </td></tr></tbody><tbody></tbody></table> Commenting on the same, Gupta told Business Insider that a credit card is for people that want rewards whereas the one-third card is for people who feel cash flow crunch in certain months of the year. “Most households face cash flow issues one or two months of the year. It’s a ₹30-50,000 gap. They don’t want to take a personal loan and deal with EMIs. What do they do? They tap into their fixed deposits or they borrow money from friends or family,” Gupta said, adding that one-third card allows them to avoid that all together with no interest or annual fees. Uni further added that their upcoming credit card range would also offer similar rewards. Uni is looking to launch its credit cards too — but many already exists Gupta agrees that there are several credit card companies in India and the customers have abundant options to opt for a credit card. But the reality is that only <a href="https://www.globenewswire.com/news-release/2020/11/03/2119495/0/en/Credit-Card-Users-in-India-2020-A-Comparison-of-Leading-Brands.html">three</a> in 100 Indians have a credit card. One of the major reasons behind this lag is the reliance on credit score. The <keyword id="12065180" type="General" weightage="20" keywordseo="former-payu" source="Orion">former PayU</keyword> India co-founder proposes to use newer methodologies and underwriting techniques to offer credit cards to Indian consumers. Uni offers its payments cards on the basis of credit scores as well, but will also tap into the following mechanisms from November onwards. <table style="border-width: initial; border-style: none; table-layout: fixed; width: 468pt;" class="redcator-table-advance"><colgroup></colgroup><col /><tbody><tr><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">Proposed underwriting mechanisms </td></tr><tr><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">Accessing customers phone data to understand customers’ spending behavior and financial activities. </td></tr><tr><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">Accessing bank data to get better insights into customer’s earning and spending activities. </td></tr><tr><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">Reading into digital trails to understand the customers spending behaviour online </td></tr><tr><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">Like the ‘Buy Now Pay Later’ mechanism, start with a smaller credit limit and increase the limit as customers stay punctual to past payments. </td></tr></tbody><tbody></tbody></table>Traditional credit card issuers do read into the banking data before issuing a credit card, but this has to be done at a more proactive basis, Gupta added. But having said all this, Uni may still face tough competition from dominant credit card issuers like State Bank of India, HDFC Bank, ICICI Bank, Axis Bank and more. The company is also in competition with Bengaluru-based Slice and neo-bank Finin. SEE ALSO <a href="https://www.businessinsider.in/personal-finance/income-tax/news/income-tax-returns-filing-deadline-extended-again/articleshow/86070034.cms">Income tax filing deadline for FY21 extended to December 31</a> <a href="https://www.businessinsider.in/tech/mobile/jiophone-next-smartphone-launch-delayed-until-diwali-due-to-chip-shortage/articleshow/86087153.cms">JioPhone Next launch delayed until Diwali due to chip shortage</a>

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JioPhone launched; these are the key features

Akanksha Jain

Reliance Jio may give you part refund on JioPhone before 3-year lock-in period. Here are the details

BI India Bureau

15 crucial points Mukesh Ambani made during launching JioPhone

Akanksha Jain

Breaking News: Mukesh Ambani launches ‘JioPhone’ for free. Here are all the details

Akanksha Jain

Nothing Phone (2) pre-orders to begin from June 29 – Here’s how to book yours

Sourabh Jain

Here’s how to buy and sell gold on Google Pay

Shadab Rabbani

Only 3 in 100 Indians have a credit card — this former PayU India cofounder is hoping to change that

Kritti Bhalla