Closing-Day Packet — Essex County, New Jersey

Who to call

• Deed recording / transfer

  Essex County Clerk (records deeds)

  Phone

  973-621-4922

  Website

  https://www.essexclerk.com/

  Verified against: https://www.nj.gov/nj/gov/county/counties.shtml · Verified 2026-10-14

• County clerk / court records

  Essex County Clerk

  Phone

  973-621-4922

  Website

  https://www.essexclerk.com/

  Verified against: https://www.nj.gov/state/elections/vote-county-election-officials.shtml · Verified 2026-10-14

• Pay or check property taxes

  Municipal tax collector (each municipality in Essex County)

  Phone

  Not yet verified — see Sources

  Verified against: https://www.nj.gov/dca/dlgs/programs/tax_collector_docs/elements_of_tax_sales_nj.pdf · Verified 2026-10-14

• Property tax assessment & appeals

  Belleville Twp tax assessor (municipal; district 0701)

  Phone

  973-450-3304

  Verified against: https://www.nj.gov/treasury/taxation/pdf/lpt/assessor/statewidebycounty.pdf · Verified 2026-10-14

• Property tax assessment & appeals

  Bloomfield tax assessor (municipal; district 0702)

  Phone

  973-680-4051

  Verified against: https://www.nj.gov/treasury/taxation/pdf/lpt/assessor/statewidebycounty.pdf · Verified 2026-10-14

• Property tax assessment & appeals

  Caldwell Boro tax assessor (municipal; district 0703)

  Phone

  973-226-6349

  Verified against: https://www.nj.gov/treasury/taxation/pdf/lpt/assessor/statewidebycounty.pdf · Verified 2026-10-14

• Property tax assessment & appeals

  Cedar Grove Twp tax assessor (municipal; district 0704)

  Phone

  973-239-1410 ext. 215

  Verified against: https://www.nj.gov/treasury/taxation/pdf/lpt/assessor/statewidebycounty.pdf · Verified 2026-10-14

• Property tax assessment & appeals

  East Orange City tax assessor (municipal; district 0705)

  Phone

  973-266-5105

  Verified against: https://www.nj.gov/treasury/taxation/pdf/lpt/assessor/statewidebycounty.pdf · Verified 2026-10-14

• Property tax assessment & appeals

  Essex County Board of Taxation (county)

  Phone

  973-395-8525

  Website

  https://www.essexcountynjtaxboard.org/

  Verified against: https://www.nj.gov/treasury/taxation/pdf/lpt/CountyBoardsofTaxation.pdf · Verified 2026-10-14

• Property tax assessment & appeals

  Essex Fells Twp tax assessor (municipal; district 0706)

  Phone

  973-226-3400

  Verified against: https://www.nj.gov/treasury/taxation/pdf/lpt/assessor/statewidebycounty.pdf · Verified 2026-10-14

• Property tax assessment & appeals

  Fairfield Twp tax assessor (municipal; district 0707)

  Phone

  973-882-2700

  Verified against: https://www.nj.gov/treasury/taxation/pdf/lpt/assessor/statewidebycounty.pdf · Verified 2026-10-14

• Property tax assessment & appeals

  Glen Ridge Boro Twp tax assessor (municipal; district 0708)

  Phone

  973-748-8400 ext. 249

  Verified against: https://www.nj.gov/treasury/taxation/pdf/lpt/assessor/statewidebycounty.pdf · Verified 2026-10-14

• Property tax assessment & appeals

  Irvington Twp tax assessor (municipal; district 0709)

  Phone

  973-399-6684

  Verified against: https://www.nj.gov/treasury/taxation/pdf/lpt/assessor/statewidebycounty.pdf · Verified 2026-10-14

• Property tax assessment & appeals

  Livingston Twp tax assessor (municipal; district 0710)

  Phone

  973-992-5000 ext. 5116

  Verified against: https://www.nj.gov/treasury/taxation/pdf/lpt/assessor/statewidebycounty.pdf · Verified 2026-10-14

• Property tax assessment & appeals

  Maplewood Twp tax assessor (municipal; district 0711)

  Phone

  973-762-3433

  Verified against: https://www.nj.gov/treasury/taxation/pdf/lpt/assessor/statewidebycounty.pdf · Verified 2026-10-14

• Property tax assessment & appeals

  Millburn Twp tax assessor (municipal; district 0712)

  Phone

  973-564-7081

  Verified against: https://www.nj.gov/treasury/taxation/pdf/lpt/assessor/statewidebycounty.pdf · Verified 2026-10-14

• Property tax assessment & appeals

  Montclair Twp tax assessor (municipal; district 0713)

  Phone

  973-509-4920

  Verified against: https://www.nj.gov/treasury/taxation/pdf/lpt/assessor/statewidebycounty.pdf · Verified 2026-10-14

• Property tax assessment & appeals

  Newark City tax assessor (municipal; district 0714)

  Phone

  973-733-3950

  Verified against: https://www.nj.gov/treasury/taxation/pdf/lpt/assessor/statewidebycounty.pdf · Verified 2026-10-14

• Property tax assessment & appeals

  North Caldwell Twp tax assessor (municipal; district 0715)

  Phone

  973-228-6417 ext. 111

  Verified against: https://www.nj.gov/treasury/taxation/pdf/lpt/assessor/statewidebycounty.pdf · Verified 2026-10-14

• Property tax assessment & appeals

  Nutley Twp tax assessor (municipal; district 0716)

  Phone

  973-284-4951 ext. 2234

  Verified against: https://www.nj.gov/treasury/taxation/pdf/lpt/assessor/statewidebycounty.pdf · Verified 2026-10-14

• Property tax assessment & appeals

  Orange City tax assessor (municipal; district 0717)

  Phone

  973-952-6062

  Verified against: https://www.nj.gov/treasury/taxation/pdf/lpt/assessor/statewidebycounty.pdf · Verified 2026-10-14

• Property tax assessment & appeals

  Roseland Boro tax assessor (municipal; district 0718)

  Phone

  973-226-8080

  Verified against: https://www.nj.gov/treasury/taxation/pdf/lpt/assessor/statewidebycounty.pdf · Verified 2026-10-14

• Property tax assessment & appeals

  South Orange Village Twp tax assessor (municipal; district 0719)

  Phone

  973-378-7715 ext. 7729

  Verified against: https://www.nj.gov/treasury/taxation/pdf/lpt/assessor/statewidebycounty.pdf · Verified 2026-10-14

• Property tax assessment & appeals

  Verona Twp tax assessor (municipal; district 0720)

  Phone

  973-857-4837

  Verified against: https://www.nj.gov/treasury/taxation/pdf/lpt/assessor/statewidebycounty.pdf · Verified 2026-10-14

• Property tax assessment & appeals

  West Caldwell Twp tax assessor (municipal; district 0721)

  Phone

  973-226-2303

  Verified against: https://www.nj.gov/treasury/taxation/pdf/lpt/assessor/statewidebycounty.pdf · Verified 2026-10-14

• Property tax assessment & appeals

  West Orange Twp tax assessor (municipal; district 0722)

  Phone

  973-325-4060

  Verified against: https://www.nj.gov/treasury/taxation/pdf/lpt/assessor/statewidebycounty.pdf · Verified 2026-10-14

What to bring

• government-issued photo ID for each person signing
• the payment your closing agent specified, in the form they specified (confirm amount and method the day before)
• signed copies of the purchase agreement and any amendments
• proof of homeowner's insurance if your lender or closing agent asked for it
• any document your closing agent, lender, or attorney listed in their closing instructions
• a pen and this packet.

Transfer & recording facts — New Jersey

Day-of checklist

1. Morning: confirm time, place, amount, and payment method with your closing agent.
2. Call the recording office above if any recording question is still open — do not assume it can be answered at the table.
3. Bring ID and payment (§ What to bring).
4. Read each document before signing; ask for any blank or changed figure to be explained before you sign.
5. Get a copy of every signed document before you leave.
6. Ask when and where the deed will be recorded, and how you will receive the recorded copy.
7. After closing: keep the recorded deed, the settlement statement, and the tax office contact above together — property tax questions after closing go to the treasurer/tax office listed above.

Sources

1. Essex County Clerk (records deeds) — NJ_CALL_SHEET_1014.csv, county = "Essex" · Source: https://www.nj.gov/nj/gov/county/counties.shtml · Verified 2026-10-14
2. Essex County Clerk — NJ_CALL_SHEET_1014.csv, county = "Essex" · Source: https://www.nj.gov/state/elections/vote-county-election-officials.shtml · Verified 2026-10-14
3. Municipal tax collector (each municipality in Essex County) — NJ_CALL_SHEET_1014.csv, county = "Essex" · Source: https://www.nj.gov/dca/dlgs/programs/tax_collector_docs/elements_of_tax_sales_nj.pdf · Verified 2026-10-14
4. Belleville Twp tax assessor (municipal; district 0701) — NJ_CALL_SHEET_1014.csv, county = "Essex" · Source: https://www.nj.gov/treasury/taxation/pdf/lpt/assessor/statewidebycounty.pdf · Verified 2026-10-14
5. Bloomfield tax assessor (municipal; district 0702) — NJ_CALL_SHEET_1014.csv, county = "Essex" · Source: https://www.nj.gov/treasury/taxation/pdf/lpt/assessor/statewidebycounty.pdf · Verified 2026-10-14
6. Caldwell Boro tax assessor (municipal; district 0703) — NJ_CALL_SHEET_1014.csv, county = "Essex" · Source: https://www.nj.gov/treasury/taxation/pdf/lpt/assessor/statewidebycounty.pdf · Verified 2026-10-14
7. Cedar Grove Twp tax assessor (municipal; district 0704) — NJ_CALL_SHEET_1014.csv, county = "Essex" · Source: https://www.nj.gov/treasury/taxation/pdf/lpt/assessor/statewidebycounty.pdf · Verified 2026-10-14
8. East Orange City tax assessor (municipal; district 0705) — NJ_CALL_SHEET_1014.csv, county = "Essex" · Source: https://www.nj.gov/treasury/taxation/pdf/lpt/assessor/statewidebycounty.pdf · Verified 2026-10-14
9. Essex County Board of Taxation (county) — NJ_CALL_SHEET_1014.csv, county = "Essex" · Source: https://www.nj.gov/treasury/taxation/pdf/lpt/CountyBoardsofTaxation.pdf · Verified 2026-10-14
10. Essex Fells Twp tax assessor (municipal; district 0706) — NJ_CALL_SHEET_1014.csv, county = "Essex" · Source: https://www.nj.gov/treasury/taxation/pdf/lpt/assessor/statewidebycounty.pdf · Verified 2026-10-14
11. Fairfield Twp tax assessor (municipal; district 0707) — NJ_CALL_SHEET_1014.csv, county = "Essex" · Source: https://www.nj.gov/treasury/taxation/pdf/lpt/assessor/statewidebycounty.pdf · Verified 2026-10-14
12. Glen Ridge Boro Twp tax assessor (municipal; district 0708) — NJ_CALL_SHEET_1014.csv, county = "Essex" · Source: https://www.nj.gov/treasury/taxation/pdf/lpt/assessor/statewidebycounty.pdf · Verified 2026-10-14
13. Irvington Twp tax assessor (municipal; district 0709) — NJ_CALL_SHEET_1014.csv, county = "Essex" · Source: https://www.nj.gov/treasury/taxation/pdf/lpt/assessor/statewidebycounty.pdf · Verified 2026-10-14
14. Livingston Twp tax assessor (municipal; district 0710) — NJ_CALL_SHEET_1014.csv, county = "Essex" · Source: https://www.nj.gov/treasury/taxation/pdf/lpt/assessor/statewidebycounty.pdf · Verified 2026-10-14
15. Maplewood Twp tax assessor (municipal; district 0711) — NJ_CALL_SHEET_1014.csv, county = "Essex" · Source: https://www.nj.gov/treasury/taxation/pdf/lpt/assessor/statewidebycounty.pdf · Verified 2026-10-14
16. Millburn Twp tax assessor (municipal; district 0712) — NJ_CALL_SHEET_1014.csv, county = "Essex" · Source: https://www.nj.gov/treasury/taxation/pdf/lpt/assessor/statewidebycounty.pdf · Verified 2026-10-14
17. Montclair Twp tax assessor (municipal; district 0713) — NJ_CALL_SHEET_1014.csv, county = "Essex" · Source: https://www.nj.gov/treasury/taxation/pdf/lpt/assessor/statewidebycounty.pdf · Verified 2026-10-14
18. Newark City tax assessor (municipal; district 0714) — NJ_CALL_SHEET_1014.csv, county = "Essex" · Source: https://www.nj.gov/treasury/taxation/pdf/lpt/assessor/statewidebycounty.pdf · Verified 2026-10-14
19. North Caldwell Twp tax assessor (municipal; district 0715) — NJ_CALL_SHEET_1014.csv, county = "Essex" · Source: https://www.nj.gov/treasury/taxation/pdf/lpt/assessor/statewidebycounty.pdf · Verified 2026-10-14
20. Nutley Twp tax assessor (municipal; district 0716) — NJ_CALL_SHEET_1014.csv, county = "Essex" · Source: https://www.nj.gov/treasury/taxation/pdf/lpt/assessor/statewidebycounty.pdf · Verified 2026-10-14
21. Orange City tax assessor (municipal; district 0717) — NJ_CALL_SHEET_1014.csv, county = "Essex" · Source: https://www.nj.gov/treasury/taxation/pdf/lpt/assessor/statewidebycounty.pdf · Verified 2026-10-14
22. Roseland Boro tax assessor (municipal; district 0718) — NJ_CALL_SHEET_1014.csv, county = "Essex" · Source: https://www.nj.gov/treasury/taxation/pdf/lpt/assessor/statewidebycounty.pdf · Verified 2026-10-14
23. South Orange Village Twp tax assessor (municipal; district 0719) — NJ_CALL_SHEET_1014.csv, county = "Essex" · Source: https://www.nj.gov/treasury/taxation/pdf/lpt/assessor/statewidebycounty.pdf · Verified 2026-10-14
24. Verona Twp tax assessor (municipal; district 0720) — NJ_CALL_SHEET_1014.csv, county = "Essex" · Source: https://www.nj.gov/treasury/taxation/pdf/lpt/assessor/statewidebycounty.pdf · Verified 2026-10-14
25. West Caldwell Twp tax assessor (municipal; district 0721) — NJ_CALL_SHEET_1014.csv, county = "Essex" · Source: https://www.nj.gov/treasury/taxation/pdf/lpt/assessor/statewidebycounty.pdf · Verified 2026-10-14
26. West Orange Twp tax assessor (municipal; district 0722) — NJ_CALL_SHEET_1014.csv, county = "Essex" · Source: https://www.nj.gov/treasury/taxation/pdf/lpt/assessor/statewidebycounty.pdf · Verified 2026-10-14
27. Bloomfield Department of Health & Human Services (local health department D0708) — NJ_CALL_SHEET_1014.csv, county = "Essex" · Source: https://www.nj.gov/health/lh/documents/Municipalities_LHDs.pdf · Verified 2026-10-14
28. City of Orange Township (local health department D0768) — NJ_CALL_SHEET_1014.csv, county = "Essex" · Source: https://www.nj.gov/health/lh/documents/Municipalities_LHDs.pdf · Verified 2026-10-14
29. East Orange Department of Health (local health department D0724) — NJ_CALL_SHEET_1014.csv, county = "Essex" · Source: https://www.nj.gov/health/lh/documents/Municipalities_LHDs.pdf · Verified 2026-10-14
30. Essex County Health Department (local health department D0725) — NJ_CALL_SHEET_1014.csv, county = "Essex" · Source: https://www.nj.gov/health/lh/documents/Municipalities_LHDs.pdf · Verified 2026-10-14
31. Essex Regional Health Commission (local health department D0727) — NJ_CALL_SHEET_1014.csv, county = "Essex" · Source: https://www.nj.gov/health/lh/documents/Municipalities_LHDs.pdf · Verified 2026-10-14
32. Irvington Health Department (local health department D0736) — NJ_CALL_SHEET_1014.csv, county = "Essex" · Source: https://www.nj.gov/health/lh/documents/Municipalities_LHDs.pdf · Verified 2026-10-14
33. Livingston Health Department / Millburn Health Department (local health department D0740) — NJ_CALL_SHEET_1014.csv, county = "Essex" · Source: https://www.nj.gov/health/lh/documents/Municipalities_LHDs.pdf · Verified 2026-10-14
34. Maplewood Health Department (local health department D0744) — NJ_CALL_SHEET_1014.csv, county = "Essex" · Source: https://www.nj.gov/health/lh/documents/Municipalities_LHDs.pdf · Verified 2026-10-14
35. Montclair Health Department (local health department D0752) — NJ_CALL_SHEET_1014.csv, county = "Essex" · Source: https://www.nj.gov/health/lh/documents/Municipalities_LHDs.pdf · Verified 2026-10-14
36. Newark Department of Health & Community Wellness (local health department D0756) — NJ_CALL_SHEET_1014.csv, county = "Essex" · Source: https://www.nj.gov/health/lh/documents/Municipalities_LHDs.pdf · Verified 2026-10-14
37. Township of South Orange (local health department D0776) — NJ_CALL_SHEET_1014.csv, county = "Essex" · Source: https://www.nj.gov/health/lh/documents/Municipalities_LHDs.pdf · Verified 2026-10-14
38. West Caldwell Health Department (local health department D0784) — NJ_CALL_SHEET_1014.csv, county = "Essex" · Source: https://www.nj.gov/health/lh/documents/Municipalities_LHDs.pdf · Verified 2026-10-14
39. West Orange Health Department (local health department D0788) — NJ_CALL_SHEET_1014.csv, county = "Essex" · Source: https://www.nj.gov/health/lh/documents/Municipalities_LHDs.pdf · Verified 2026-10-14
40. Essex Community Land Trust, Inc. — NJ_CALL_SHEET_1014.csv, county = "Essex" · Source: https://www.essexclt.org/ · Verified 2026-10-14
41. Belleville Twp construction office (municipal UCC enforcing agency; code 0701) — NJ_CALL_SHEET_1014.csv, county = "Essex" · Source: https://www.nj.gov/dca/codes/publications/pdf_ora/muniroster.pdf · Verified 2026-10-14
42. Bloomfield Twp construction office (municipal UCC enforcing agency; code 0702) — NJ_CALL_SHEET_1014.csv, county = "Essex" · Source: https://www.nj.gov/dca/codes/publications/pdf_ora/muniroster.pdf · Verified 2026-10-14
43. Caldwell Boro construction office (municipal UCC enforcing agency; code 0703) — NJ_CALL_SHEET_1014.csv, county = "Essex" · Source: https://www.nj.gov/dca/codes/publications/pdf_ora/muniroster.pdf · Verified 2026-10-14
44. Cedar Grove Twp construction office (municipal UCC enforcing agency; code 0704) — NJ_CALL_SHEET_1014.csv, county = "Essex" · Source: https://www.nj.gov/dca/codes/publications/pdf_ora/muniroster.pdf · Verified 2026-10-14
45. East Orange City construction office (municipal UCC enforcing agency; code 0705) — NJ_CALL_SHEET_1014.csv, county = "Essex" · Source: https://www.nj.gov/dca/codes/publications/pdf_ora/muniroster.pdf · Verified 2026-10-14
46. Essex Fells Boro construction office (municipal UCC enforcing agency; code 0706) — NJ_CALL_SHEET_1014.csv, county = "Essex" · Source: https://www.nj.gov/dca/codes/publications/pdf_ora/muniroster.pdf · Verified 2026-10-14
47. Fairfield Twp construction office (municipal UCC enforcing agency; code 0707) — NJ_CALL_SHEET_1014.csv, county = "Essex" · Source: https://www.nj.gov/dca/codes/publications/pdf_ora/muniroster.pdf · Verified 2026-10-14
48. Glen Ridge Boro construction office (municipal UCC enforcing agency; code 0708) — NJ_CALL_SHEET_1014.csv, county = "Essex" · Source: https://www.nj.gov/dca/codes/publications/pdf_ora/muniroster.pdf · Verified 2026-10-14
49. Irvington Twp construction office (municipal UCC enforcing agency; code 0709) — NJ_CALL_SHEET_1014.csv, county = "Essex" · Source: https://www.nj.gov/dca/codes/publications/pdf_ora/muniroster.pdf · Verified 2026-10-14
50. Livingston Twp construction office (municipal UCC enforcing agency; code 0710) — NJ_CALL_SHEET_1014.csv, county = "Essex" · Source: https://www.nj.gov/dca/codes/publications/pdf_ora/muniroster.pdf · Verified 2026-10-14
51. Maplewood Twp construction office (municipal UCC enforcing agency; code 0711) — NJ_CALL_SHEET_1014.csv, county = "Essex" · Source: https://www.nj.gov/dca/codes/publications/pdf_ora/muniroster.pdf · Verified 2026-10-14
52. Millburn Twp construction office (municipal UCC enforcing agency; code 0712) — NJ_CALL_SHEET_1014.csv, county = "Essex" · Source: https://www.nj.gov/dca/codes/publications/pdf_ora/muniroster.pdf · Verified 2026-10-14
53. Montclair Twp construction office (municipal UCC enforcing agency; code 0713) — NJ_CALL_SHEET_1014.csv, county = "Essex" · Source: https://www.nj.gov/dca/codes/publications/pdf_ora/muniroster.pdf · Verified 2026-10-14
54. Newark City construction office (municipal UCC enforcing agency; code 0714) — NJ_CALL_SHEET_1014.csv, county = "Essex" · Source: https://www.nj.gov/dca/codes/publications/pdf_ora/muniroster.pdf · Verified 2026-10-14
55. North Caldwell Boro construction office (municipal UCC enforcing agency; code 0715) — NJ_CALL_SHEET_1014.csv, county = "Essex" · Source: https://www.nj.gov/dca/codes/publications/pdf_ora/muniroster.pdf · Verified 2026-10-14
56. Nutley Twp construction office (municipal UCC enforcing agency; code 0716) — NJ_CALL_SHEET_1014.csv, county = "Essex" · Source: https://www.nj.gov/dca/codes/publications/pdf_ora/muniroster.pdf · Verified 2026-10-14
57. Orange City construction office (municipal UCC enforcing agency; code 0717) — NJ_CALL_SHEET_1014.csv, county = "Essex" · Source: https://www.nj.gov/dca/codes/publications/pdf_ora/muniroster.pdf · Verified 2026-10-14
58. Roseland Boro construction office (municipal UCC enforcing agency; code 0718) — NJ_CALL_SHEET_1014.csv, county = "Essex" · Source: https://www.nj.gov/dca/codes/publications/pdf_ora/muniroster.pdf · Verified 2026-10-14
59. South Orange Village Twp construction office (municipal UCC enforcing agency; code 0719) — NJ_CALL_SHEET_1014.csv, county = "Essex" · Source: https://www.nj.gov/dca/codes/publications/pdf_ora/muniroster.pdf · Verified 2026-10-14
60. Verona Twp construction office (municipal UCC enforcing agency; code 0720) — NJ_CALL_SHEET_1014.csv, county = "Essex" · Source: https://www.nj.gov/dca/codes/publications/pdf_ora/muniroster.pdf · Verified 2026-10-14
61. West Caldwell Twp construction office (municipal UCC enforcing agency; code 0721) — NJ_CALL_SHEET_1014.csv, county = "Essex" · Source: https://www.nj.gov/dca/codes/publications/pdf_ora/muniroster.pdf · Verified 2026-10-14
62. West Orange Twp construction office (municipal UCC enforcing agency; code 0722) — NJ_CALL_SHEET_1014.csv, county = "Essex" · Source: https://www.nj.gov/dca/codes/publications/pdf_ora/muniroster.pdf · Verified 2026-10-14
63. NJ DLGS Local Finance Notice 2025-17 (Land Bank Law guidance) — NJ_CALL_SHEET_1014.csv, county = "STATEWIDE" · Source: https://nj.gov/dca/dlgs/lfns/2025/2025-17.pdf · Verified 2026-10-14
64. NJ DCA Division of Codes and Standards - Bureaus, Offices & Programs — NJ_CALL_SHEET_1014.csv, county = "STATEWIDE" · Source: https://www.nj.gov/dca/codes/offices/ · Verified 2026-10-14
65. New Jersey Housing and Mortgage Finance Agency (NJHMFA) — NJ_CALL_SHEET_1014.csv, county = "" · Source: https://www.nj.gov/dca/hmfa/homebuyers-and-renters/homebuyers/ · Verified 2026-10-14
66. nj-transfer_tax-guide-rtf-payment-20261020 — NJ Division of Taxation · https://www.nj.gov/treasury/taxation/pdf/other_forms/lpt/GraduatedPercentFeePolicies.pdf · Retrieved 2026-10-20
67. nj-deed_recording-guide-gitrep-role-20261020 — NJ Division of Taxation · https://www.nj.gov/treasury/taxation/gitrepfaqs.shtml · Retrieved 2026-10-20