SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 11-K
ANNUAL REPORT
(Mark One)
[x] ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE
ACT OF 1934
For the fiscal year ended December 31, 1996
OR
[ ] TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES
EXCHANGE ACT OF 1934
For the transition period from ______________ to ______________.
Commission file number 0-981
-----
A. Full title of the plan and the address of the plan, if
different from that of the issuer named below:
PUBLIX SUPER MARKETS, INC. 401(k) SMART PLAN
B. Name of issuer of the securities held pursuant to the
plan and the address of its principal executive office:
PUBLIX SUPER MARKETS, INC.
1936 GEORGE JENKINS BOULEVARD
LAKELAND, FLORIDA 33815
<PAGE>
PUBLIX SUPER MARKETS, INC. 401(k) SMART PLAN
Index to Financial Statements and Schedules
Independent Auditors' Report
Financial Statements:
Statement of Net Assets Available for Plan Benefits, with
Fund Information - December 31, 1996
Statement of Net Assets Available for Plan Benefits, with
Fund Information - December 31, 1995
Statement of Changes in Net Assets Available for Plan
Benefits, with Fund Information - Year ended December 31,
1996
Statement of Changes in Net Assets Available for Plan
Benefits, with Fund Information - Year ended December 31,
1995
Notes to Financial Statements
Schedules:
I. Item 27a. Schedule of Assets held for Investment
Purposes -December 31, 1996
II. Item 27d. Schedule of Reportable Transactions -
Year ended December 31, 1996
<PAGE>
INDEPENDENT AUDITORS' REPORT
To the Plan Administrator of the
Publix Super Markets, Inc.
401(k) SMART Plan:
We have audited the accompanying statements of net assets
available for plan benefits, with fund information, of the
Publix Super Markets, Inc. 401(k) SMART Plan (the "Plan") as
of December 31, 1996 and December 31, 1995, and the related
statements of changes in net assets available for plan
benefits, with fund information, for the years then ended.
These financial statements are the responsibility of the
Plan's management. Our responsibility is to express an
opinion on these financial statements based on our audits.
We conducted our audits in accordance with generally
accepted auditing standards. Those standards require that
we plan and perform the audit to obtain reasonable assurance
about whether the financial statements are free of material
misstatement. An audit includes examining, on a test basis,
evidence supporting the amounts and disclosures in the
financial statements. An audit also includes assessing the
accounting principles used and significant estimates made by
management, as well as evaluating the overall financial
statement presentation. We believe that our audits provide
a reasonable basis for our opinion.
In our opinion, the financial statements referred to above
present fairly, in all material respects, the net assets
available for plan benefits of the Plan as of December 31,
1996 and December 31, 1995, and the changes in net assets
available for plan benefits for the years then ended in
conformity with generally accepted accounting principles.
Our audits were made for the purpose of forming an opinion
on the basic financial statements taken as a whole. The
supplemental schedules of assets held for investment
purposes as of December 31, 1996 and reportable transactions
for the year then ended are presented for the purpose of
additional analysis and are not a required part of the basic
financial statements but are supplementary information
required by the Department of Labor's Rules and Regulations
for Reporting and Disclosure under the Employee Retirement
Income Security Act of 1974. The supplemental schedules have
been subjected to the auditing procedures applied in the
audits of the basic financial statements and, in our
opinion, are fairly stated in all material respects in
relation to the basic financial statements taken as a whole.
KPMG PEAT MARWICK LLP
Tampa, Florida
June 16, 1997
<PAGE>
<TABLE>
<CAPTION>
PUBLIX SUPER MARKETS, INC. 401(k) SMART PLAN
Statement of Net Assets Available for Plan Benefits, with Fund Information
December 31, 1996
Aggressive Publix Equity Asset Fixed
Participant Growth Stock Index Allocation Income
Assets Loans Fund Fund Fund Fund Fund Total
------ ----- ---- ---- ---- ---- ---- -----
<S> <C> <C> <C> <C> <C> <C> <C>
Investments $1,332,040 11,537,173 33,787,580 4,020,055 1,531,298 2,445,992 54,654,138
Employer Contribution
Receivable --- --- 7,420,556 --- --- --- 7,420,556
Interfund Transfers --- (632,422) 1,078,492 (198,625) (108,915) (138,530) ---
---------- ---------- ---------- --------- --------- --------- ----------
Total Assets $1,332,040 10,904,751 42,286,628 3,821,430 1,422,383 2,307,462 62,074,694
========== ========== ========== ========= ========= ========= ==========
Net Assets Available
for Plan Benefits:
Active Participants $1,332,040 10,550,619 41,076,222 3,700,415 1,373,615 2,215,677 60,248,588
Non-active Participants --- 354,132 1,210,406 121,015 48,768 91,785 1,826,106
---------- ---------- ---------- --------- --------- --------- ----------
$1,332,040 10,904,751 42,286,628 3,821,430 1,422,383 2,307,462 62,074,694
========== ========== ========== ========= ========= ========= ==========
</TABLE>
See accompanying notes to financial statements.
<PAGE>
<TABLE>
<CAPTION>
PUBLIX SUPER MARKETS, INC. 401(k) SMART PLAN
Statement of Net Assets Available for Plan Benefits, with Fund Information
December 31, 1995
Aggressive Publix Equity Asset Fixed
Participant Growth Stock Index Allocation Income
Assets Loans Fund Fund Fund Fund Fund Total
------ ----- ---- ---- ---- ---- ---- -----
<S> <C> <C> <C> <C> <C> <C> <C>
Investments $43,591 4,861,758 10,692,518 1,756,841 720,250 1,164,606 19,239,564
Employer Contribution
Receivable --- --- 5,441,587 --- --- --- 5,441,587
Interfund Transfers --- (16,043) 81,577 (22,519) (17,245) (25,770) ---
------- --------- ---------- --------- ------- --------- ----------
Total Assets $43,591 4,845,715 16,215,682 1,734,322 703,005 1,138,836 24,681,151
======= ========= ========== ========= ======= ========= ==========
Net Assets Available
for Plan Benefits:
Active Participants $43,591 4,777,833 16,073,637 1,708,220 692,353 1,121,267 24,416,901
Non-active Participants --- 67,882 142,045 26,102 10,652 17,569 264,250
------- --------- ---------- --------- ------- --------- ----------
$43,591 4,845,715 16,215,682 1,734,322 703,005 1,138,836 24,681,151
======= ========= ========== ========= ======= ========= ==========
</TABLE>
See accompanying notes to financial statements.
<PAGE>
<TABLE>
<CAPTION>
PUBLIX SUPER MARKETS, INC. 401(k) SMART PLAN
Statement of Changes in Net Assets Available for Plan Benefits, with Fund
Information
Year ended December 31, 1996
Aggressive Publix Equity Asset Fixed
Participant Growth Stock Index Allocation Income
Loans Fund Fund Fund Fund Fund Total
----- ---- ---- ---- ---- ---- -----
<S> <C> <C> <C> <C> <C> <C> <C>
Contributions:
Employee $ --- 5,990,432 14,247,148 2,017,727 805,668 1,371,799 24,432,774
Employer - Stock --- --- 7,420,556 --- --- --- 7,420,556
---------- --------- ---------- --------- ------- --------- ----------
Total Contributions --- 5,990,432 21,667,704 2,017,727 805,668 1,371,799 31,853,330
---------- --------- ---------- --------- ------- --------- ----------
Investment Income:
Net Appreciation --- 829,215 5,300,661 565,677 15,122 106,467 6,817,142
Dividends --- 727,121 144,174 --- 122,441 --- 993,736
Interest --- --- 86,698 --- --- --- 86,698
---------- --------- ---------- --------- ------- --------- ----------
Total Investment Income --- 1,556,336 5,531,533 565,677 137,563 106,467 7,897,576
---------- --------- ---------- --------- ------- --------- ----------
Participant Loans 1,288,449 (294,631) (806,044) (112,714) (34,220) (63,051) (22,211)
---------- --------- ---------- --------- ------- --------- ----------
Total Increase in Plan
Assets 1,288,449 7,252,137 26,393,193 2,470,690 909,011 1,415,215 39,728,695
---------- --------- ---------- --------- ------- --------- ----------
Distributions to Participants --- (560,679) (1,400,739) (184,957) (80,718) (108,059) (2,335,152)
Interfund Transfers --- (632,422) 1,078,492 (198,625) (108,915) (138,530) ---
---------- --------- ---------- --------- ------- --------- ----------
Total Decrease in Plan
Assets --- (1,193,101) (322,247) (383,582) (189,633) (246,589) (2,335,152)
---------- --------- ---------- --------- ------- --------- ----------
Net Increase in Plan Assets 1,288,449 6,059,036 26,070,946 2,087,108 719,378 1,168,626 37,393,543
Net Assets Available for
Plan Benefits:
Beginning of year 43,591 4,845,715 16,215,682 1,734,322 703,005 1,138,836 24,681,151
---------- --------- ---------- --------- ------- --------- ----------
End of year $1,332,040 10,904,751 42,286,628 3,821,430 1,422,383 2,307,462 62,074,694
========== ========== ========== ========= ========= ========= ==========
</TABLE>
See accompanying notes to financial statements.
<PAGE>
<TABLE>
<CAPTION>
PUBLIX SUPER MARKETS, INC. 401(k) SMART PLAN
Statement of Changes in Net Assets Available for Plan Benefits, with Fund
Information
Year ended December 31, 1995
Aggressive Publix Equity Asset Fixed
Participant Growth Stock Index Allocation Income
Loans Fund Fund Fund Fund Fund Total
----- ---- ---- ---- ---- ---- -----
<S> <C> <C> <C> <C> <C> <C> <C>
Contributions:
Employee $ --- 4,358,065 9,745,550 1,560,436 671,799 1,152,391 17,488,241
Employer - Stock --- --- 5,441,587 --- --- --- 5,441,587
------- --------- ---------- --------- ------- --------- ----------
Total Contributions --- 4,358,065 15,187,137 1,560,436 671,799 1,152,391 22,929,828
------- --------- ---------- --------- ------- --------- ----------
Investment Income:
Net Appreciation --- 223,790 1,050,217 222,507 42,854 34,716 1,574,084
Dividends --- 361,852 16,014 --- 17,185 --- 395,051
Interest --- --- 54,269 --- --- --- 54,269
------- --------- ---------- --------- ------- --------- ----------
Total Investment Income --- 585,642 1,120,500 222,507 60,039 34,716 2,023,404
------- --------- ---------- --------- ------- --------- ----------
Participant Loans 43,591 (13,970) (24,852) (2,535) (617) (1,147) 470
------- --------- ---------- --------- ------- --------- ----------
Total Increase in Plan
Assets 43,591 4,929,737 16,282,785 1,780,408 731,221 1,185,960 24,953,702
------- --------- ---------- --------- ------- --------- ----------
Distributions to Participants --- (67,979) (148,680) (23,567) (10,971) (21,354) (272,551)
Interfund Transfers --- (16,043) 81,577 (22,519) (17,245) (25,770) ---
------- --------- ---------- --------- ------- --------- ----------
Total Decrease in Plan
Assets --- (84,022) (67,103) (46,086) (28,216) (47,124) (272,551)
------- --------- ---------- --------- ------- --------- ----------
Net Increase in Plan Assets 43,591 4,845,715 16,215,682 1,734,322 703,005 1,138,836 24,681,151
Net Assets Available for
Plan Benefits:
Beginning of year --- --- --- --- --- --- ---
------- --------- ---------- --------- ------- --------- ----------
End of year $43,591 4,845,715 16,215,682 1,734,322 703,005 1,138,836 24,681,151
======= ========= ========== ========= ======= ========= ==========
</TABLE>
See accompanying notes to financial statements.
<PAGE>
PUBLIX SUPER MARKETS, INC. 401(k) SMART PLAN
Notes to Financial Statements
December 31, 1996
(1) Description of Plan and Summary of Accounting Policies
The following description of the Publix Super Markets,
Inc. 401(k) SMART Plan (the "Plan") provides only general
information. Participants should refer to the Summary
Plan Description for a more complete description of the
Plan's provisions.
The Plan, which became effective January 1, 1995, is a
defined contribution plan subject to the provisions of the
Employee Retirement Income Security Act of 1974 ("ERISA").
Employees of Publix Super Markets, Inc. (the "Company" or
"Publix") who have attained the age of 19 and have
completed one year of service during which they worked
1,000 hours or more are eligible to participate in the
Plan. The Plan year is a calendar year.
(a) Contributions
Employees may contribute up to 6% of their annual
compensation, not to exceed the maximum limits
established by Federal law. The Company may make a
discretionary annual matching contribution to eligible
participants of the Plan as determined by the
Company's Board of Directors. During 1996 and 1995,
the Company's Board of Directors approved a match of
50% of eligible contributions up to 3% of eligible
wages not to exceed a maximum of $750 per employee.
The match, determined as of the last day of the Plan
year, was in the form of common stock of the Company.
(b) Participant Accounts
Two separate accounts are maintained for each
participant, a Savings Contribution Account and a
Matching Contribution Account (the "Accounts"). Plan
earnings are allocated and credited to the Accounts as
of each valuation date. Each participant's share of
earnings is determined by the Plan Administrator on a
weighted average basis, so that each participant
receives a pro-rata share. Forfeitures of non-vested
Company contributions by terminated or former
participants may be used to reduce future Company
matching contributions. Forfeitures, and earnings
thereon, totaled $78,894 for the year ended December
31, 1996.
(c)Vesting
Participants are immediately vested in their
contributions and earnings thereon. Company matching
contributions and earnings thereon are 100% vested
upon completing five years of service, reaching age
60, disability or death. Matching contributions
cannot be withdrawn or distributed until vested.
(continued)
<PAGE>
PUBLIX SUPER MARKETS, INC. 401(k) SMART PLAN
Notes to Financial Statements
(d) Loans to Participants
All actively employed Plan participants with available
account balances may apply for a loan from their
accounts. The minimum amount a participant may borrow
is $1,000. The maximum amount that a participant may
borrow is the lesser of: 1) 50% of the balances in the
participant's Savings Contribution Account and vested
Matching Contribution Account; or 2) $50,000 less the
participant's highest outstanding loan balance during
the previous twelve month period. However, the actual
loan amount cannot exceed the balance in the
participant's Savings Contribution Account.
Participants may request one loan each year and may
only have one outstanding loan at a time. All legal
and administrative costs incurred as a result of a
loan are paid by the participant. The interest rate is
determined by the Primary Trustee as of the first day
of each calendar quarter and represents the prime
lending rate charged by the Primary Trustee. The interest
rate on a loan will be fixed for the term of the loan.
A participant can choose repayment terms of up to five
years. Repayment of principal and interest are made
through after tax payroll deductions each pay period.
Repayment of principal and interest are credited to
the participant's Savings Contribution Account and
reinvested according to the participant's current
investment options. Upon termination of employment all
unpaid principal and accrued interest on any loan
outstanding is immediately due and payable.
Participants may repay a loan in total at any time
after the loan has been in effect for at least one
year.
(e) Termination of Plan
The Company expects to continue the Plan indefinitely,
but is not contractually obligated to do so. The
Company reserves the right to amend or discontinue the
Plan at any time. If the Plan is ever terminated,
participants will be fully vested in all amounts
credited to their accounts.
(f) Distribution of Benefits
Upon termination of employment, participants may elect
to receive payment in full of the vested portion of
their Savings Contribution Account and Matching
Contribution Account balances as of the valuation date
immediately preceding or concurring with the date of
termination. If the value of the terminating
participant's account exceeds $3,500, the participant
may elect to defer distribution. Payment of deferred
distributions must be made no later than 60 days after
the end of the Plan year during which a participant
dies or attains age 62. Payment for actively employed
participants must begin on or before April 1st of the
calendar year following the year the participant
attains age 70 1/2.
-2- (continued)
<PAGE>
PUBLIX SUPER MARKETS, INC. 401(k) SMART PLAN
Notes to Financial Statements
(g) Basis of Accounting
The accounts of the Plan are maintained on the accrual
basis.
(h) Investments
The market value of Publix Super Markets, Inc. common
stock is determined by the Company's Board of
Directors based upon appraisals prepared by
independent appraisers.
Guaranteed investment contracts are carried at
contract value, which approximates market value. The
market value of other investments is determined based
upon quoted market prices.
(i) Use of Estimates
The preparation of financial statements in conformity
with generally accepted accounting principles and
ERISA requires the Plan to make
estimates and assumptions that affect the reported
amounts of net assets available for plan benefits and
disclosure of contingent assets and liabilities as of
the date of the financial statements and the reported
amounts of changes in net assets available for plan
benefits during the reporting period. Actual results
could differ from those estimates.
(2) Administration of the Plan
The Primary Trustee for the Plan, Chase Manhattan Bank,
N.A., is responsible for maintaining custody of the
investment funds and other assets in which the
participants contributions are invested, excluding Publix
stock. The Publix Stock Fund Trustee, Tina P. Johnson, is
responsible for maintaining the Publix Stock Fund for
participants. Metropolitan Life Insurance Company serves
as the third-party Plan Administrator. The Plan
administration costs are paid by Publix.
(3) Investments
The Plan currently offers the following investment
options:
(a) Aggressive Growth Fund
This fund may consist of a portfolio invested
primarily in common stocks and other securities or
investment opportunities providing long-term capital
appreciation. The fund can be expected to experience
wider variation in its value than the other funds
described herein.
The Company has selected the "Fidelity ContraFund," a
mutual fund, as the investment vehicle for the
Aggressive Growth Fund. This fund invests in the
securities of companies that are believed to be
undervalued or out of favor.
-3- (continued)
<PAGE>
PUBLIX SUPER MARKETS, INC. 401(k) SMART PLAN
Notes to Financial Statements
(b) Publix Stock Fund
This fund includes two components: cash and Publix
common stock. Cash awaiting investment in Publix
stock is invested in a short-term fixed income funding
vehicle. The cash component of this fund includes
employee contributions and loan repayments, transfers
from other investments to purchase Publix stock,
dividends earned on Publix stock and income earned on
all of these deposits. The cash component of this
fund is used to purchase Publix stock on specified
purchase dates. The fund provides an opportunity for
long-term capital appreciation. Because this fund is
not diversified, it may experience wider variations in
value than other funds described herein.
(c) Equity Index Fund
This fund may consist of a portfolio invested
primarily in common stocks which, in the aggregate,
are intended to mirror the performance of the Standard
& Poor's Corporate Stock Price Index (S&P 500 Index),
and/or a portfolio of comparable investments. The
fund is intended to provide for long-term growth of
capital, and secondarily for long-term growth of
income (or to provide a similar investment return).
The fund can be expected to experience wider
variations in its value than the other funds described
herein.
The Company has selected the "MetLife Stock Market
Index Guarantee Account" as the investment vehicle for
the Equity Index Fund. It consists of most of the
stocks of the S&P 500 Index.
(d) Asset Allocation Fund
This fund is a growth and income fund which uses an
asset allocation approach. The fund may consist of
common and preferred stocks, governmental and
corporate bonds, and other securities or investment
opportunities designed to provide for both current
income and capital appreciation. The fund can be
expected to experience wider variations in its value
than the Fixed Income Fund.
The Company has selected the "State Street Research
Strategic Portfolios: Moderate" mutual fund as the
investment vehicle for the Asset Allocation Fund.
This fund is actively managed and represents a
diversified mix of stocks and bonds. Stocks are
generally expected to represent between 45% and 65% of
fund assets; bonds are generally expected to represent
between 35% and 55% of fund assets. The fund may vary
investments within these ranges based upon the
portfolio manager's view of economic and market
conditions. The stock portion of the fund generally
will consist of common stocks and securities
convertible into common stocks with long-term growth
potential. The bond portion of the fund generally
will consist of a broad range of corporate and
governmental securities and may include mortgage-
related securities.
-4- (continued)
<PAGE>
PUBLIX SUPER MARKETS, INC. 401(k) SMART PLAN
Notes to Financial Statements
(e) Fixed Income Fund
This fund may consist of a portfolio invested in
commercial paper, U.S. government or federal agency
obligations, short-term corporate obligations, bank
certificates of deposit, savings accounts and/or
comparable investments designed to provide maximum
protection of capital with a conservative rate of
return.
The Company has selected the "MetLife Guaranteed Fixed
Income Account" as the investment vehicle for the
Fixed Income Fund. It consists of one or more MetLife
guaranteed interest-type contracts (GIC), which are
intended to provide the advantage of intermediate-term
rates with protection from potential market
fluctuations. The GIC rates as of December 31, 1996
and 1995 were 6.55% and 6.35%, respectively.
As of December 31, 1996 and 1995, investments in the
Fidelity ContraFund, Publix stock, and the MetLife Stock
Market Index Guarantee Account each represented 5.0% or
more of the Plan's net assets available for plan benefits.
(4) Reconciliation of Financial Statements to Form 5500
The following is a reconciliation of net assets available
for plan benefits per the financial statements to the Form
5500 as of December 31, 1996:
<TABLE>
<S> <C>
Net assets available for plan benefits
per the financial statements $62,074,694
Amounts allocated to withdrawing participants (181,667)
Excess contributions (793,700)
-----------
Net assets available for plan benefits
per the Form 5500 $61,099,327
===========
</TABLE>
The following is a reconciliation of employee
contributions and distributions to participants per the
financial statements to the Form 5500 as of December 31,
1996:
<TABLE>
<S> <C>
Employee Contributions
Per the financial statements $24,432,774
Less: excess contributions (793,700)
-----------
Per the Form 5500 $23,639,074
===========
Distributions to Participants
Per the financial statements $ 2,335,152
Add: amounts allocated to withdrawing
participants 181,667
-----------
Per the Form 5500 $ 2,516,819
===========
</TABLE>
-5- (continued)
<PAGE>
PUBLIX SUPER MARKETS, INC. 401(k) SMART PLAN
Notes to Financial Statements
(5) Federal Income Tax
The Plan has been determined to be a qualified plan as
described in Sections 401(a) and 401(k) of the Internal
Revenue Code (the "Code"), as amended. As such, the Plan
is exempt from federal income taxes under Section 501(a)
of the Code. The Plan Administrator believes that the
Plan is currently being operated in compliance with
applicable requirements of the Code.
-6-
<PAGE>
Schedule I
PUBLIX SUPER MARKETS, INC. 401(k) SMART PLAN
Item 27a. Schedule of Assets Held for Investment Purposes
December 31, 1996
<TABLE>
<CAPTION>
Number of Market
Name of Issuer and Title of Issue Shares Cost Value
- --------------------------------- ------ ---- -----
<S> <C> <C> <C>
Marketable:
Aggressive Growth Fund
Fidelity ContraFund --- $ 9,989,696 10,904,751
Equity Index Fund
MetLife Stock Market Index
Guarantee Account * --- 3,134,278 3,821,430
Asset Allocation Fund
State Street Research Strategic
Portfolios: Moderate * --- 1,383,963 1,422,383
Fixed Income Fund
MetLife Guaranteed Fixed
Income Account * --- 2,307,462 2,307,462
Non-Marketable:
Publix Stock Fund
Common Stock of Publix Super
Markets, Inc.* 1,660,303 28,927,170 34,866,072
Participant Loans 1,332,040 1,332,040
----------- ----------
$47,074,609 54,654,138
=========== ==========
</TABLE>
* Parties-in-interest
<PAGE>
Schedule II
PUBLIX SUPER MARKETS, INC. 401(k) SMART PLAN
Item 27d. Schedule of Reportable Transactions
Year ended December 31, 1996
<TABLE>
<CAPTION>
Sales
------------------------
Gain
Asset Purchases Price Cost (Loss)
----- --------- ----- ---- ------
<S> <C> <C> <C> <C>
Aggressive Growth Fund
Fidelity ContraFund $ 5,990,690 --- --- ---
Equity Index Fund
MetLife Stock Market Index
Guarantee Account 1,371,888 --- --- ---
Fixed Income Fund
MetLife Guaranteed Fixed
Income Account 2,017,640 --- --- ---
Publix Stock Fund
Common Stock of Publix Super
Markets, Inc. 21,663,567 1,369,128 1,208,598 160,530
</TABLE>
<PAGE>
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act
of 1934, the trustees (or other persons who administer the
Publix Super Markets, Inc. 401(k) SMART Plan) have duly
caused this annual report to be signed on its behalf by the
undersigned hereunto duly authorized.
PUBLIX SUPER MARKETS, INC.
401(k) SMART PLAN
Date: June 27, 1997 By: /s/Tina P. Johnson
-------------------------------
Tina P. Johnson
Vice President, Treasurer
and Trustee of the 401(k)
SMART Plan - Publix Stock
Fund
