ÿWPC‰ …U:V %b–žn­® 04[w.—4Å 0xÙ 0DQ 0J• 0Tß 0^3 0h‘ 0rù 0|k 0†ç 0m 1uý 0dr U>Ö B)DC= AM€U*Í ÷v~vÓ D3T B‡ 0@¤ AOäÆ3 0Dù D/= Bl<þ6X9`("Courier NewTTX- ù-3|x€«<þ6X9`("Courier NewTTXXxþ6X@ÉDQX@( ¤T$¡¡Ó  Óq[r[s[tu[vÓ€€DÒ (((3Þ $¤¤Ý ƒ¤T!ÝÓ  ÓÝ  Ýà  àòòÚ  Ú0Ú  Úóó(#Ã$òòÚ  Ú0Ú  Úóó2 ÿÿ0Indent1Ô2ÔÔ3  Ô2" ÿÿ0Indent2à0 àÔ2ÔÔ3  Ô2, ÿÿ0Indent3à0 àà0 àÔ2ÔÔ3  Ô26 ÿÿ0Indent4à0 àà0 àà0 àÔ2ÔÔ3  Ô2@ ÿÿ0Indent5à0 àà0 àà0 àà0 àÔ2ÔÔ3  Ô2J ÿÿ0Indent6à0 àà0 àà0 àà0 àà0 àÔ2ÔÔ3  Ô2T ÿÿ0Indent7à0 àà0 àà0 àà0 àà0 àà0 àÔ2ÔÔ3  Ô2^ ÿÿ0Indent8à0 àà0 àà0 àà0 àà0 àà0 àà0 àÔ2ÔÔ3  Ô ÿÿ?AGMSYaioIndent0I.A.1.a.(1)(a)i)a)P ÿÿ8Mac DefaultMac DefaultÓ ` °šXÓ< Œ 9p`(&Times New Roman% Line 7 d####7Border 1dd€-$Cþÿ << Gÿÿ< Œ 9p`(Arial Ý ƒ!ÝÑ  ÑÑ#€d#ÑÔ€ÔÝ  ÝÔ€&ÔÔ€&ÔÓ  Óò òÔ YYY ÔFILEDÔ€&XÔÌÌJuly€9,€1997ÌÌCecil€W.€CrowsonÌAppellate€Court€ClerkÔ  Ôó óPtPtHHÚ(ÿáÿâùFG(üHHÚ(d'hStyl{WP}01•ÃÃÃÃÃÃÃÃÃÃÃÃÃÃÃÃÃÃà Ãà Ãà Ãà Ãà ÃÃÃÃÃÃÃÃÃÃÃÐ ÐÐHHÐÐ  ÐÐ2ÐÐÿÿ¸æ$ÿÐÐHHÐÐÐÐÐÐÐÐ  ÐÐ ÐÐ ÐÑÑÑGenevaÑÑ ÑÑ € ÑÑ<Px–ÈÑÒÒÒ443!#4ÒÒ$ *$ÒÒ$*$ÒÒ ÿKK ÒÒ  Geneva ÒÒ  Geneva ÒÓ.,ÓÓÓÓ6ÓÓ ÓßßßßßßßßßßßßßßßßßßÑGenevaÑÑ ÑÒ  h HD: Geneva ÒÒ  h HD: Geneva Ò,,,,'ÿÿdxd d("ÿÿ$££Ò  ÒÒ  Ò€-‚ƒCþÿ<< CÿÿƒLevel 1Level 2Level 3Level 4Level 5($$””ò òÚ  Ú1Ú  Úó ó„„'÷ÿ dxdüÿP PdÝ ƒ!ÝÔ . ÔÔ€ÔÝ  ÝÑ\R AØ'\ÑÑ ` ÑÑ\R AØ'\ÑÑ7€ÆÛXXdÖdÈ7ÑÑ€ÑÑ  ÑÒ  ÒÒ X ÒÔ€"Ôò ò›Þ ÞÌCAROLYN€R.€FRANKLIN€and€à àà à€€€)ÌEDWARD€J.€FRANKLIN,à àà àà à€€€)à àà àà à€Ìà àà àà àà àà àà à€€€)à àMaury€County€€CircuitÌà àPlaintiffs,à àà àà àà à€€€)à àCase€No.€6232Ìà àà àà àà à€€€à àà à€€€)€ÌVS.à àà àà àà àà àà à€€€)Ìà àà àà àà àà àà à€€€)€ÌREBECCA€A.€KIMBERLY€andà àà à€€€)à àAppeal€No.€ÌRAY€KIMBERLY,à àà àà àà à€€€)à à01A01„9701„CV„00009Ìà àà àà àà àà àà à€€€)̜ـ€ÙßR€%'$A1-j|¶üg` ç `€€@ÿRß›à àDefendants,à àà àà àà à€€€)Ìà àà àà àà àà àà à€€€)ÌSERVED€AS€UNINSURED€MOTORISTà à€€€)ÌCARRIERS:à àà àà àà àà à€€€)Ìà àà àà àà àà àà à€€€)ÌST.€PAUL€INSURANCE€COMPANY,à à€€€)Ìa/k/a€ECONOMY€FIRE€AND€CASUALTY€)ÌCOMPANY,à àà àà àà àà à€€€)Ìà àà àà àà àà àà à€€€)Ìà àAppellant,à àà àà àà à€€€)Ìà àà àà àà àà àà à€€€)ÌTENNESSEE€FARMERS€MUTUALà à€€€)ÌINSURANCE€COMPANY,à àà àà à€€€)Ìà àà àà àà àà àà à€€€)Ìà àAppellee.à àà àà àà à€€€)ÌÌÓ  ÓIN€THE€COURT€OF€APPEALS€OF€TENNESSEEÌMIDDLE€SECTION€AT€NASHVILLEÌÌAPPEALED€FROM€THE€CIRCUIT€COURT€OF€ÌMAURY€COUNTY,€€TENNESSEEÌÓ  ÓÌÓ  ÓHONORABLE€WILLIAM€B.€CAIN,€JUDGEÌÓ  ÓÌó óKurtis€J.€Winstead€#13084ÌCORNELIUS€&€COLLINSÌ2700€Nashville€City€CenterÌ511€Union€StreetÌNashville,€TN€37219ÌATTORNEY€FOR€APPELLANT,€ST.€PAUL€INSURANCE€COMPANYÌÌLawrence€D.€Sands€#11667à àà àà àà àà àEdward€Lawwell€#3063ÌSANDS€&€SANDSà àà àà àà àà àà àLAWWELL€DALE€&€GRAHAMÌP.O.€Box€1660à àà àà àà àà àà àP.O.€Box€1017ÌColumbia,€TN€38402„1660à àà àà àà àà àColumbia,€TN€38402„1017ÌATTORNEYS€FOR€PLAINTIFFS,à àà àà àà àATTORNEY€FOR€APPELLEEÌCAROLYN€R.€AND€EDWARD€J.€FRANKLINà àà àTENN.€FARMERS€MUT.€INS.€CO.€ÌÌÓ  Óà àÔ€"¼Ôò òAFFIRMED€AND€REMANDEDó óÔ€"XÔÌÓ  ÓÌà àà àà àà àà àà àHENRY€F.€TODDÌà àà àà àà àà àà àPRESIDING€JUDGE,€MIDDLE€SECTIONÌCONCUR:ÌBEN€H.€CANTRELL,€JUDGE,ÌWILLIAM€C.€KOCH,€JR.,€JUDGEÌÌò òCAROLYN€R.€FRANKLIN€and€à àà à€€€)ÌEDWARD€J.€FRANKLIN,à àà àà à€€€)à àà àà à€Ìà àà àà àà àà àà à€€€)à àMaury€County€€CircuitÌà àPlaintiffs,à àà àà àà à€€€)à àCase€No.€6232Ìà àà àà àà à€€€à àà à€€€)€ÌVS.à àà àà àà àà àà à€€€)Ìà àà àà àà àà àà à€€€)€ÌREBECCA€A.€KIMBERLY€andà àà à€€€)à àAppeal€No.€ÌRAY€KIMBERLY,à àà àà àà à€€€)à à01A01„9701„CV„00009Ìà àà àà àà àà àà à€€€)Ìà àDefendants,à àà àà àà à€€€)Ìà àà àà àà àà àà à€€€)ÌSERVED€AS€UNINSURED€MOTORISTà à€€€)ÌCARRIERS:à àà àà àà àà à€€€)Ìà àà àà àà àà àà à€€€)ÌST.€PAUL€INSURANCE€COMPANY,à à€€€)Ìa/k/a€ECONOMY€FIRE€AND€CASUALTY€)ÌCOMPANY,à àà àà àà àà à€€€)Ìà àà àà àà àà àà à€€€)Ìà àAppellant,à àà àà àà à€€€)Ìà àà àà àà àà àà à€€€)ÌTENNESSEE€FARMERS€MUTUALà à€€€)ÌINSURANCE€COMPANY,à àà àà à€€€)Ìà àà àà àà àà àà à€€€)Ìà àAppellee.à àà àà àà à€€€)ÌÓÓó óÌò òòòÓ  ÓÔ€"„ÔO€€P€€I€€N€€I€€O€€NÔ€"XÔóóó óÌÓÓÓ  ÓÌÓÓà àThis€is€an€appeal€from€an€interlocutory€ruling€which€the€Trial€Judge€rendered€final€asÏprovided€by€TRCP€Rule€54.02.€€The€controversy€on€appeal€is€between€St.€Paul€InsuranceÏCompany,€a/k/a€Economy€Fire€and€Casualty€Company,€(hereafter€St.€Paul),€and€TennesseeÍFarmers€Mutual€Insurance€Company€(hereafter€Tennessee€Farmers).€€The€plaintiffs€have€filed€aÏbrief€in€support€of€their€interest€in€the€disposition€of€the€appeal.ÌÌà àThe€background€of€the€controversy€is€as€follows:Ìà àOn€May€11,€1993,€St.€Paul€issued€to€Edna€Franklin,€a€policy€of€automobile€insurance€on€aÏ1980€Chevrolet€Malibu€providing€uninsured/underinsured€motorist€coverage€expiring€onÏNovember€11,€1993.€€The€policy€contained€the€following€provisions€pertinent€to€this€appeal:ÌÌà àB.€€Insured€as€used€in€this€part€means:€You€or€any€member€of€your€family.ÌÓ  Ó„€„€„€„ÌÓ  Óà àOther€insurance:ÌÒ  ÒÒ ` ÒÒ ¸ ÒÒ ` ÒÓÓA.€€If€€there€is€other€applicable€bodily€injury€liability€orÏproperty€damage€liability€insurance€we€will€pay€only€ourÏshare€of€the€loss.€€Our€share€is€the€proportion€that€our€limitÏof€liability€bears€to€the€total€of€all€applicable€limits.€€AnyÏinsurance€we€provide€for€a€vehicle€you€do€not€own€shall€beÏexcess€over€any€other€collectible€insurance€„ÌÌD.€€ò òTransfer€of€your€interest€in€this€policy.ó óÌYour€rights€and€duties€under€this€policy€may€not€be€assignedÏwithout€our€written€consent.€€However,€if€a€named€insuredÏshown€in€the€Declarations€dies,€coverage€will€be€providedÏuntil€the€end€of€the€policy€period€for:ÌÌÓ  Ó„€„€„€„ÌÓ  ÓÌ2.€€the€legal€representative€of€the€deceased€person€as€if€aÏnamed€insured€shown€in€the€Declarations.€€This€applies€onlyÏwith€respect€to€the€representativeððs€legal€responsibility€toÏmaintenance€or€use€of€your€covered€auto.ÌÌÓ  Ó„€„€„€„ÌÓ  ÓÌ3.ò ò€€Automatic€Terminationó ó.€€If€you€obtain€otherÍinsurance€on€your€covered€auto,€any€similar€insuranceÏprovided€by€this€policy€will€terminate€as€to€that€auto€on€theÏeffective€date€of€the€other€insurance.ÌÌÒ  ÒÒ ` ÒÓÓÒ  ÒÒ X ÒÌà àOn€July€28,€1993,€the€insured,€Edna€Franklin€expired,€and€her€son,€Edward€J.€Franklin,Ïtook€possession€of€the€1980€Chevrolet€Malibu.ÌÌà àOn€August€18,€1993,€Edward€J.€Franklin€caused€Tennessee€Farmers€to€add€the€1980ÏChevrolet€Malibu€to€his€existing€policy€on€another€motor€vehicle€owned€by€him.€The€TennesseeÏFarm€policy€contained€the€same€provisions€as€those€quoted€above€from€the€St.€Paul€policy.€ÏHowever,€the€amounts€payable€under€the€two€policies€were€not€the€same.ÌÌà àOn€October€21,€1993,€while€both€policies€remained€in€force,€and€while€the€1980€ChevroletÏMalibu€was€in€the€possession€and€control€of€Carolyn€R.€Franklin,€wife€of€Edward€J.€Franklin,€theÏ1980€Chevrolet€Malibu€was€struck€by€a€vehicle€operated€by€Rebecca€A.€Kimberly.ÌÌòòò òÓ  ÓPROCEEDINGS€IN€THE€TRIAL€COURTó óóóÌÓ  ÓÌà àOn€September€1,€1994,€Carolyn€R.€And€Edward€J.€Franklin€sued€Rebecca€A.€KimberlyÏand€Edward€J.€Kimberly€for€personal€injuries,€serving€St.€Paul€and€Tennessee€Farmers€asÏunnamed€uninsured€motorist€insurers.ÌÌà àOn€September€22,€1994,€Tennessee€Farmers€answered€admitting€uninsured€motoristÏcoverage€of€$100,000.00€for€injury€to€one€person€and€maximum€coverage€of€$300,000.00€for€allÍbodily€injuries,€but€denying€liability.ÌÌà àOn€April€4,€1996,€St.€Paul€answered€denying€liability€and€asserting€the€automaticÏtermination€clause€quoted€above,€admitting€the€existence€of€uninsured€motorist€coverage€ofÏ$250,000.00€for€one€injury€and€$500,000.00€coverage€for€all€injuries,€and€claiming€credit€forÏ$30,000.00€advance€payment€to€the€plaintiffs.ÌÌà àOn€August€12,€1996,€St.€Paul€filed€a€ð ðPetition€for€Declaratory€Judgment€and/or€SummaryÏJudgment,ðð€supported€by€authenticated€copies€of€the€two€policies€mentioned€above€and€aÏdeposition€as€to€the€facts.ÌÌà àOn€September€11,€1996,€Tennessee€Farmers€filed€a€response€in€opposition€to€St.€PaulððsÏpetition€for€summary€judgment€and€requesting€a€declaration€that€the€liability€of€the€two€insurers€beÏproportioned€2/7€to€Tennessee€Farmers€and€5/7€to€St.€Paul.ÌÌà àOn€October€30,€1996,€the€Trial€Judge€entered€judgment€as€follows:ÌÒ  ÒÒ ` ÒÒ ¸ ÒÒ ` ÒÓÓFor€the€reasons€specified€in€its€letter€dated€October€2,€1996,Ïwhich€is€hereby€incorporated€into€this€decree€of€judgment€byÏreference,€the€court€holds€that€the€ONE€HUNDREDÏTHOUSAND€DOLLARS€($100,000.00)€uninsured€motoristÏcoverage€by€Tennessee€Farmers€Mutual€Insurance€CompanyÏreduced€the€uninsured€motorist€coverage€provided€by€St.ÏPaul€Insurance€Company€to€the€extent€of€ONE€HUNDREDÏTHOUSAND€DOLLARS€($100,000.00)€leaving€St.€PaulÏInsurance€Company€providing€ONE€HUNDRED€FIFTYÏTHOUSAND€DOLLARS€($150,000.00)€uninsured€motoristÏcoverage€and€Tennessee€Farmers€Mutual€InsuranceÏCompany€ONE€HUNDRED€THOUSAND€DOLLARSÏ($100,000.00)€underinsured€motorist€coverage.€€The€courtÍfurther€finds€that€the€proration€clause€in€both€policies€isÏapplicable€and€therefore,€the€applicable€underinsuredÏmotorist€coverage€is€to€be€prorated€on€the€basis€of€1.5€by€St.ÏPaul€Insurance€Company€to€one€by€Tennessee€FarmersÏMutual€Insurance€Company€(60%€to€40%)€up€to€the€fullÏextent€of€TWO€HUNDRED€FIFTY€THOUSANDÏDOLLARS€($250,000.00)€if€necessary.ÌÌThere€being€no€just€reason€for€delay,€the€court€directs€entryÏof€this€judgment€as€a€final€judgment€on€the€declaration€ofÏrights€of€the€underinsured€motorist€policies€of€St.€PaulÏInsurance€Company€and€Tennessee€Farmers€InsuranceÏCompany€in€accordance€with€Rule€54.02€of€the€TennesseeÏRules€of€Civil€Procedure.ÌÒ  ÒÒ ` ÒÒ  ÒÒ X ÒÓÓà àÌÌòòò òÓ  Óà àCONTENTIONS€OF€THE€PARTIES€ON€APPEALó óóóÌÓ  ÓÌà àSt.€Paul€states€the€issue€on€appeal€as€follows:Ò ¸ ÒÒ ` ÒÓÓÓ K ÓI.€€DidÏthe€Trial€Court€err€in€finding€that€the€automatic€terminationÏprovision€in€the€St.€Paul€policy€did€not€operate€to€relieve€St.ÏPaul€of€underinsured€motorist€liability€for€the€accident€whichÏoccurred€on€October€21,€1993?ÌÒ  ÒÒ ` ÒÓÓÒ  ÒÒ X ÒÓ  ÓÌà àIn€amplification,€St.€Paul€states:ÌÒ  ÒÒ ` ÒÒ ¸ ÒÒ ` ÒÓÓSt.€Paul€is€appealing€the€Circuit€Courtððs€declaration€that€theÏautomatic€termination€provision€of€its€automobile€insuranceÏpolicy€did€not€apply€to€totally€relieve€St.€Paul€ofÏunderinsured€motorist€coverage€in€this€case.ÌÒ  ÒÒ ` ÒÒ  ÒÒ X ÒÓÓÌà àNo€applicable€Tennessee€authority€is€cited€or€found.€€In€òòTaxter€v.€Safeco€InsuranceÏCompanyóó€òòof€Americaóó,€Wash.,€(Wash.€Ct.€App.€1986),€721€P.2d€972,€cert.€Denied,€108€Wash.2dÏ1037€(1987),€the€Taxterððs€held€a€Safeco€automobile€policy€which€expired€on€November€25,€1983,Ïbut€a€grace€period€allowed€30€days€for€renewal.€€On€December€2,€the€Taxters€procured€a€similarÍpolicy€from€Ranier,€another€insurer.€€They€intended€to€cancel€the€Safeco€policy,€but€did€not€do€so.€ÏOn€December€13,€1983,€the€Taxterððs€vehicle€was€involved€in€a€collision€with€a€vehicle€operated€byÏa€Mr.€Russell.€€At€the€suggestion€of€the€Safeco€agent,€the€Taxters€paid€the€premium€for€renewal€ofÏthe€Safeco€policy.€€Safeco€paid€the€Taxters€$3,997.70€property€damages€but€declined€furtherÏpayment,€relying€upon€its€policy€which€provided€for€proration€of€liability€of€insurers€whereÏcoverages€overlapped.€€The€Washington€appellate€courts€granted€summary€judgment€to€SafecoÏstating:ÌÒ ¸ ÒÒ X ÒÒ ¸ ÒÒ ` ÒÓÓ[1]€Here,€while€the€insures€did€not€communicate€their€intentÏto€replace€the€policy,€Safecoððs€policy€terms€provide€theÏnecessary€mutual€consent.€€These€terms€provide:ÌÒ  ÒÒ ` ÒÒ  ÒÒ X ÒÌÒ  ÒÒ ¸ ÒÒ  ÒÒ ¸ ÒIfòò€òòyouóóóó€([the€insured]€obtain€other€insuranceÏon€your€covered€auto,€any€similar€insuranceÏprovided€by€this€policy€will€terminate€as€toÏthat€auto€on€the€effective€date€of€the€otherÏinsurance.€€ÌÒ  ÒÒ ¸ ÒÒ  ÒÒ X ÒÌÒ  ÒÒ ` ÒÒ ¸ ÒÒ ` Ò(Italics€ours.)€€We€cannot€ignore€the€language€in€the€contractÏnor€revise€the€contract€under€the€theory€of€construing€it.€ÏòòFarmers€ins..€Co.€v.€Milleróó,€87€Wash.2d€70,€73,€549€P.2d€9ÏÔ€"Ô126Ô€"XÔ€(1976).€€The€Taxters€consented€to€€these€terms€when€theyÏobtained€the€Safeco€policy.€€They€cannot€claim€lack€of€noticeÏwhen€they€had€either€actual€or€constructive€knowledge€of€it.€ÏWe€conclude€the€Safeco€policy€terminated€to€the€extent€€theÏRainier€policy€provided€similar€coverage.ÌÓ  Ó€„€„€„€„ÌÓ  ÓThe€insurer€and€insured€have€the€right€to€specify€in€theirÏinsurance€contract€the€method€by€which€it€can€be€terminated.€ÏDepartment€of€Labor€&€Indus.€v.€Northwestern€Mut.€FireÏAssððn.,€13€Wash.2d€288,€291,€124€P.2d€944€(1942).ÌÓ  ÓÌÒ ¸ ÒÒ X ÒÒ  ÒÒ X ÒÓÓÒ  ÒÒ ` ÒÒ ¸ ÒÒ ` ÒÓ  ÓÌÒ  ÒÒ ` ÒÒ  ÒÒ X Òà àWe€note,€however,€that€both€policies€in€the€òòTaxteróó€case€provided€the€same€amount€ofÏuninsured€motorist€coverage.€€The€coverage€was€not€only€similar€but€identical.€€So,€even€under€theÏrule€we€adopt€today€the€resultòò€òòin€Taxteróóóó€would€be€the€same.€€ÌÌà àWe€diverge€from€the€holding€in€òòTaxteróó,€however,€to€the€extent€that€the€Washington€courtððsÏdecision€stands€for€the€proposition€that€coverage€òòin€any€amountóó€cancels€the€entire€amount€of€thatÏcoverage€in€the€original€policy.€€St.€Paulððs€policy€says€ð ðcoverageðð€in€its€policy€will€terminate€whenÏð ðany€similar€insuranceðð€is€obtained€on€the€same€automobile.€€We€think€similar€in€this€context€mayÏhave€more€than€one€meaning.€€It€may€mean€ð ðsimilar€in€kindðð€or€ð ðsimilar€in€kind€and€amount.ðð€€OneÏstandard€reference€defines€similar€as€ð ðnearly€corresponding;€resembling€in€many€respects;Ïsomewhat€like;€having€a€general€likeness.ðð€€(citing€authorities).€€òòBlackððs€Law€Dictionaryóó,€4th€Ed.€ÏThe€same€source,€however,€cites€other€authorities€for€the€meaning€of€ð ðexactly€like;€identical;Ïexactly€œcorrespondingðð›€(at€least€in€all€essential€particulars).€òò€ldóó.€ÌÌà àA€contract€of€insurance€is€strictly€construed€in€favor€of€the€insured.€€òòGridig€v.€TennesseeÏFarmers€Mutual€Ins.€Coóó.,€891€S.W.2d€909€(Tenn.€App.€1994).€€Where€one€meaning€of€a€policyÏterm€provides€coverage€and€another€meaning€would€defeat€coverage,€we€will€adopt€the€meaningÏthat€preserves€the€coverage€for€the€insured.€€òòTata€v.€Nicholsóó,€848€S.W.2d€649€(Tenn.€1993).€ÏTherefore,€we€hold€that€the€insurance€coverage€in€the€two€policies€is€similar€only€to€the€extent€ofÏthe€amount€of€coverage€in€the€second€policy€.ÌÌà àAlthough€the€St.€Paul€policy€was€issued€in€Indiana,€it€is€not€argued€that€Indiana€law€differsÏfrom€Tennessee€law€in€any€material€respect.ÌÌà àThe€judgment€of€the€Trial€Court€is€affirmed€and€the€cause€is€remanded€to€the€Trial€Court€forÏfurther€proceedings€in€conformity€with€this€opinion.€€ÌÌà àJudgment€is€rendered€against€St.€Paul€Insurance€Company€for€costs€of€this€appeal€forÏwhich€execution€may€issue.ÌÓ  Óà àò òAFFIRMED€AND€REMANDEDó óÌÓÓÓ  ÓÌà àà àà àà àà à_____________________________________Ìà àà àà àà àà àHENRY€F.€TODDà àÌà àà àà àà àà àPRESIDING€JUDGE,€MIDDLE€SECTIONÌÌCONCUR:ÌÌ_____________________________________ÌBEN€H.€CANTRELL,€JUDGEÌÌÓÓÓÓ_____________________________________ÌWILLIAM€C.€KOCH,€JR.,€JUDGEÌÓÓÔ€Ô