Kaplan University School of Professional and Continuing Education Kaplan University School of Professional and Continuing Education

New Mexico Appraisal CE Live Course Calendar

Live Class Calendar
Date(s) Class City &
State
Class
Type
Credit Hours Price   Details
Nov 09 – Nov 09 2020-2021 National Uniform Standards of Professional Appraisal Practice (USPAP) Update Live Online Class (USPAP Manual NOT Included) (7-Credit Hours) Online Day
Appraiser CE 7
$119.00

Attend live classes from the comfort of your home or office! Live online courses make it more convenient than ever to complete your continuing education hours.

  • You get access to the same great Kaplan Real Estate Education content and instructors.
  • Our courses offer opportunities to engage with other students and your instructor.
  • As an added bonus, you can learn anywhere you have internet access!*

The Course is developed by the Foundation and is revised on a periodic basis to stay current with the latest edition of USPAP.
This is the 7-Hour National Uniform Standards of Professional Appraisal Practice (USPAP) Update Course, as developed by The Appraisal Foundation (Foundation). The course focuses on changes to USPAP for 2020-21 and on appraisal issues that affect daily appraisal practice.

This course is designed to assist appraisers in all areas of appraisal practice seeking competency in USPAP, including those subject to state licensing or certification and continuing education requirements imposed by professional organizations, client groups, or employers.

In addition to lectures, the course includes discussion illustrations that show how USPAP applies in situations that appraisers may encounter in everyday practice. These examples primarily address issues frequently experienced by appraisers as professionals in the appraisal of real property.

USPAP has been endorsed and adopted by major appraisal organizations in the United States. As required by federal law, USPAP must be used by states in their real property appraiser licensing and certification programs.

In addition to this student manual, each student must have a copy of the 2020-21 USPAP publication to use in the course. The publication includes USPAP, USPAP Advisory Opinions, USPAP Frequently Asked Questions, and an Index.

This course provides at least 7 hours of USPAP instruction. There is no accompanying exam for the classroom course; however, some states may require an examination for distance education.

IMPORTANT: Per The Appraisal Foundation guidelines, you are required to have a video camera (webcam) for this class.

*For additional information on supported devices, please visit www.kapre.com/company/system-requirements.

Location Details: Session Details:
  • Online
  • #1: Tue, November 09, 2021, 9:00 AM - 12:30 PM (America/Chicago)
  • #2: Tue, November 09, 2021, 1:30 PM - 5:00 PM (America/Chicago)

Taught By:
  • JoAnn Apostol
Notes:
Class times are in Central Time.
Nov 09 – Nov 09 2020-2021 National Uniform Standards of Professional Appraisal Practice (USPAP) Update Live Online Class (Includes USPAP Manual) (7-Credit Hours) Online Day
Appraiser CE 7
$189.00

Attend live classes from the comfort of your home or office! Live online courses make it more convenient than ever to complete your continuing education hours.

  • You get access to the same great Kaplan Real Estate Education content and instructors.
  • Our courses offer opportunities to engage with other students and your instructor.
  • As an added bonus, you can learn anywhere you have internet access!*

The Course is developed by the Foundation and is revised on a periodic basis to stay current with the latest edition of USPAP.
This is the 7-Hour National Uniform Standards of Professional Appraisal Practice (USPAP) Update Course, as developed by The Appraisal Foundation (Foundation). The course focuses on changes to USPAP for 2020-21 and on appraisal issues that affect daily appraisal practice.

This course is designed to assist appraisers in all areas of appraisal practice seeking competency in USPAP, including those subject to state licensing or certification and continuing education requirements imposed by professional organizations, client groups, or employers.

In addition to lectures, the course includes discussion illustrations that show how USPAP applies in situations that appraisers may encounter in everyday practice. These examples primarily address issues frequently experienced by appraisers as professionals in the appraisal of real property.

USPAP has been endorsed and adopted by major appraisal organizations in the United States. As required by federal law, USPAP must be used by states in their real property appraiser licensing and certification programs.

In addition to this student manual, each student must have a copy of the 2020-21 USPAP publication to use in the course. The publication includes USPAP, USPAP Advisory Opinions, USPAP Frequently Asked Questions, and an Index.

This course provides at least 7 hours of USPAP instruction. There is no accompanying exam for the classroom course; however, some states may require an examination for distance education.

IMPORTANT: Per The Appraisal Foundation guidelines, you are required to have a video camera (webcam) for this class.

*For additional information on supported devices, please visit www.kapre.com/company/system-requirements.

Location Details: Session Details:
  • Online
  • #1: Tue, November 09, 2021, 9:00 AM - 12:30 PM (America/Chicago)
  • #2: Tue, November 09, 2021, 1:30 PM - 5:00 PM (America/Chicago)

Taught By:
  • JoAnn Apostol
Notes:
Class times are in Central Time.
Nov 17 – Nov 17 Identity Crisis: Determining Architectural Style Live Online Class (3.5-Credit Hours) Online Day
Appraiser CE 3.5
$69.00

Attend live classes from the comfort of your home or office! Live online courses make it more convenient than ever to study for your real estate licensing exam.

  • You get access to the same great Kaplan Real Estate Education content and instructors.
  • Our courses offer opportunities to engage with other students and your instructor.
  • As an added bonus, you can learn anywhere you have internet access!*

Appraisal forms ask for architectural design of the subject and comparable properties. Many multiple listing services (MLS) have a field for architectural style as well. Contemporary and traditional are often used in MLS listings and appraisal reports. FNMA does not allow descriptors like average, two stories, or typical, and they modified these sections in the UAD format in 2013. Both appraisers and real estate agents struggle with the design of newer homes and reviewer revisions to the designs used in their reports. You will be provided with descriptions, pictures, and floor plans that will aid in identification of the architectural design of the houses in neighborhoods you work in regularly.

Topics include:

  • Identifying designs by year of construction, roof types, exterior materials
  • Fenestration and ornamentation of historic and newer house designs
  • Specific features of architectural designs
  • Resources to aid in identifying architecture

*For additional information on supported devices, please visit www.kapre.com/company/system-requirements.

Location Details: Session Details:
  • Online
  • #1: Wed, November 17, 2021, 9:00 AM - 1:00 PM (America/Chicago)

Taught By:
  • JoAnn Apostol
Notes:
Class times are in Central Time.
Nov 17 – Nov 17 Alternate Valuation Methods: How To Be In-CREDIBLE! Live Online Class (3.5-Credit Hours) Online Day
Appraiser CE 3.5
$69.00

Attend live classes from the comfort of your home or office! Live online courses make it more convenient than ever to study for your real estate licensing exam.

  • You get access to the same great Kaplan Real Estate Education content and instructors.
  • Our courses offer opportunities to engage with other students and your instructor.
  • As an added bonus, you can learn anywhere you have internet access!*

Alternate types of valuations are more common than ever with the appraisal shortage and changes in the regulatory requirements from the federal agencies. Dodd-Frank eliminated BPOs and AVMs as file documentation for residential lending in many loan packages. Discover when alternate valuations are being used, how to complete them, and how to remain compliant with appraisal reporting requirements. Understand how the Uniform Standards of Appraisal Practice (USPAP) view evaluations under the federal banking guidelines. You will discuss restricted reporting options and view sample report forms.

Topics Include:

  • Identifying alternate valuations
  • Federal agency appraisal and evaluation guidelines
  • USPAP Advisory Opinion 13 relating to evaluations
  • Sample forms and report options

*For additional information on supported devices, please visit www.kapre.com/company/system-requirements.

Location Details: Session Details:
  • Online
  • #1: Wed, November 17, 2021, 2:00 PM - 6:00 PM (America/Chicago)

Taught By:
  • Instructor TBD
Notes:
Class times are in Central Time.
Nov 18 – Nov 18 Supervisory Appraiser/Trainee Appraiser: Rules, Roles, and Responsibilities Live Online Class (4-Credit Hours) Online Day
Appraiser CE 4
$69.00
Only 5 Seats Remaining
 Call Customer Support to Purchase  Call Customer Support to Purchase  Call Customer Support to Purchase

Appropriately preparing trainee appraisers is imperative for ensuring the integrity and quality of the industry is upheld.

The recent rebound of the real estate market has been a welcome sight for the appraisal profession. It is the crucial responsibility of supervisory appraisers to train, develop, and mentor these new professionals. This mentor relationship will produce competent, ethical appraisers to enhance public trust. The 2020 AQB Real Property Appraiser Qualification Criteria requires that both supervisory and trainee appraisers be educated regarding the expectations for these roles.

This course meets the national, AQB-required content and outline for supervisory and trainee appraisers. Discussions revolve around the requirements, expectations, and responsibilities of both types of appraisers in order for trainees to gain experience credit. A short history of the profession is followed by the structure of the entities that oversee appraisers, including The Appraisal Foundation, The Appraisal Subcommittee, and state regulatory bodies.

Students will understand the requirements for licensing levels and the use of trainees for Fannie Mae, FHA, and lender assignments. Also addressed are the USPAP requirements that apply to assignments involving more than one appraiser.

Topics Include:

  • The AQB and its role in the profession
  • 2020 AQB Real Property Appraiser Qualification Criteria
  • Trainee appraiser expectations
  • Supervisory appraiser requirements and expectations
  • Significant assistance—what it is and how to report it
Location Details: Session Details:
  • Online
  • #1: Thu, November 18, 2021, 9:00 AM - 1:00 PM (America/Chicago)

Taught By:
  • JoAnn Apostol
Nov 22 – Nov 22 Water: How it Affects Property Live Online Class (4-Credit Hours) Online Day
Appraiser CE 4
$69.00

Learn how the most powerful force of nature impacts property.

This course will the show the challenges facing our finite amount of water and outline how to optimize the applicable scenarios to a client base.
The need to protect and manage our finite water will be expressed, and the reliance on clean water and the impact and importance to the real estate industry and clients will be detailed. The fact that local impact translates to global impact will also be delineated.

This course category is education.

Topics Include:

  • Water in and on the land impacting real estate
  • Who owns the water and associated costs and problems
  • Informing and protecting your client
  • Avoiding liability related to radon in real estate transactions
Location Details: Session Details:
  • Online
  • #1: Mon, November 22, 2021, 1:00 PM - 5:00 PM (America/Chicago)

Taught By:
  • Shahram Missaghi
Notes:
Class times are in Central Time. CO students: a web cam is required to be on while class is in session. You can turn it off during breaks, but it must be on while class is in session.
Dec 01 – Dec 01 2020-2021 National Uniform Standards of Professional Appraisal Practice (USPAP) Update Live Online Class (USPAP Manual NOT Included) (7-Credit Hours) Online Day
Appraiser CE 7
$119.00

Attend live classes from the comfort of your home or office! Live online courses make it more convenient than ever to complete your continuing education hours.

  • You get access to the same great Kaplan Real Estate Education content and instructors.
  • Our courses offer opportunities to engage with other students and your instructor.
  • As an added bonus, you can learn anywhere you have internet access!*

The Course is developed by the Foundation and is revised on a periodic basis to stay current with the latest edition of USPAP.
This is the 7-Hour National Uniform Standards of Professional Appraisal Practice (USPAP) Update Course, as developed by The Appraisal Foundation (Foundation). The course focuses on changes to USPAP for 2020-21 and on appraisal issues that affect daily appraisal practice.

This course is designed to assist appraisers in all areas of appraisal practice seeking competency in USPAP, including those subject to state licensing or certification and continuing education requirements imposed by professional organizations, client groups, or employers.

In addition to lectures, the course includes discussion illustrations that show how USPAP applies in situations that appraisers may encounter in everyday practice. These examples primarily address issues frequently experienced by appraisers as professionals in the appraisal of real property.

USPAP has been endorsed and adopted by major appraisal organizations in the United States. As required by federal law, USPAP must be used by states in their real property appraiser licensing and certification programs.

In addition to this student manual, each student must have a copy of the 2020-21 USPAP publication to use in the course. The publication includes USPAP, USPAP Advisory Opinions, USPAP Frequently Asked Questions, and an Index.

This course provides at least 7 hours of USPAP instruction. There is no accompanying exam for the classroom course; however, some states may require an examination for distance education.

IMPORTANT: Per The Appraisal Foundation guidelines, you are required to have a video camera (webcam) for this class.

*For additional information on supported devices, please visit www.kapre.com/company/system-requirements.

Location Details: Session Details:
  • Online
  • #1: Wed, December 01, 2021, 9:00 AM - 12:30 PM (America/Chicago)
  • #2: Wed, December 01, 2021, 1:30 PM - 5:00 PM (America/Chicago)

Taught By:
  • JoAnn Apostol
Notes:
Class times are in Central Time.
Dec 01 – Dec 01 2020-2021 National Uniform Standards of Professional Appraisal Practice (USPAP) Update Live Online Class (Includes USPAP Manual) (7-Credit Hours) Online Day
Appraiser CE 7
$189.00

Attend live classes from the comfort of your home or office! Live online courses make it more convenient than ever to complete your continuing education hours.

  • You get access to the same great Kaplan Real Estate Education content and instructors.
  • Our courses offer opportunities to engage with other students and your instructor.
  • As an added bonus, you can learn anywhere you have internet access!*

The Course is developed by the Foundation and is revised on a periodic basis to stay current with the latest edition of USPAP.
This is the 7-Hour National Uniform Standards of Professional Appraisal Practice (USPAP) Update Course, as developed by The Appraisal Foundation (Foundation). The course focuses on changes to USPAP for 2020-21 and on appraisal issues that affect daily appraisal practice.

This course is designed to assist appraisers in all areas of appraisal practice seeking competency in USPAP, including those subject to state licensing or certification and continuing education requirements imposed by professional organizations, client groups, or employers.

In addition to lectures, the course includes discussion illustrations that show how USPAP applies in situations that appraisers may encounter in everyday practice. These examples primarily address issues frequently experienced by appraisers as professionals in the appraisal of real property.

USPAP has been endorsed and adopted by major appraisal organizations in the United States. As required by federal law, USPAP must be used by states in their real property appraiser licensing and certification programs.

In addition to this student manual, each student must have a copy of the 2020-21 USPAP publication to use in the course. The publication includes USPAP, USPAP Advisory Opinions, USPAP Frequently Asked Questions, and an Index.

This course provides at least 7 hours of USPAP instruction. There is no accompanying exam for the classroom course; however, some states may require an examination for distance education.

IMPORTANT: Per The Appraisal Foundation guidelines, you are required to have a video camera (webcam) for this class.

*For additional information on supported devices, please visit www.kapre.com/company/system-requirements.

Location Details: Session Details:
  • Online
  • #1: Wed, December 01, 2021, 9:00 AM - 12:30 PM (America/Chicago)
  • #2: Wed, December 01, 2021, 1:30 PM - 5:00 PM (America/Chicago)

Taught By:
  • JoAnn Apostol
Notes:
Class times are in Central Time.
Dec 08 – Dec 08 Appraising Distinctive Residential Properties Live Online Class (7.5-Credit Hours) Online Day
Appraiser CE 7
$119.00

Most appraisers have faced a difficult or distinctive residential property appraisal at some point in their careers.

These appraisal problems can take many twists and turns and create numerous challenges in reaching an opinion of value. In this course, we will look at some of the areas that provide these challenges and discuss the different directions available to the appraiser to problem solve. This class looks at how to use all three appraisal methods to assist in developing adjustments and explores how techniques used in one method can support a conclusion in a different method. Students will discuss distinctive property assignments and various solutions that may be available to determine value.

Topics Include:

  • Problem identification and solving
  • USPAP rules
  • Client and user considerations
  • Challenges in appraising distinctive properties
  • Case studies

Attend live classes from the comfort of your home or office! Live online courses make it more convenient than ever to obtain your appraisal continuing education.

  • You get access to the same great Kaplan Education content and instructors.
  • Our courses offer opportunities to engage with other students and your instructor.
  • As an added bonus, you can learn anywhere you have internet access!*

*For additional information on supported devices, please visit www.kapre.com/company/system-requirements.

Location Details: Session Details:
  • Online
  • #1: Wed, December 08, 2021, 9:00 AM - 12:30 PM (America/Chicago)
  • #2: Wed, December 08, 2021, 1:30 PM - 5:30 PM (America/Chicago)

Taught By:
  • JoAnn Apostol
Notes:
Class times are in Central Time.
Dec 09 – Dec 09 Water: How it Affects Property Live Online Class (4-Credit Hours) Online Day
Appraiser CE 4
$69.00

Learn how the most powerful force of nature impacts property.

This course will the show the challenges facing our finite amount of water and outline how to optimize the applicable scenarios to a client base.
The need to protect and manage our finite water will be expressed, and the reliance on clean water and the impact and importance to the real estate industry and clients will be detailed. The fact that local impact translates to global impact will also be delineated.

This course category is education.

Topics Include:

  • Water in and on the land impacting real estate
  • Who owns the water and associated costs and problems
  • Informing and protecting your client
  • Avoiding liability related to radon in real estate transactions
Location Details: Session Details:
  • Online
  • #1: Thu, December 09, 2021, 1:00 PM - 5:00 PM (America/Chicago)

Taught By:
  • Shahram Missaghi
Notes:
Class times are in Central Time. CO students: a web cam is required to be on while class is in session. You can turn it off during breaks, but it must be on while class is in session.
Dec 17 – Dec 17 Analyzing Market Trends Using Excel Live Online Class (7-Credit Hours) Online Day
Appraiser CE 7
$119.00

Attend live classes from the comfort of your home or office! Live online courses make it more convenient than ever to study for your appraisal continuing education.

  • You get access to the same great Kaplan Real Estate Education content and instructors.
  • Our courses offer opportunities to engage with other students and your instructor.
  • As an added bonus, you can learn anywhere you have internet access!*

Market Analysis is a very important step in the appraisal process. This course will review major concepts of the market analysis process including supply and demand factors. Relying on charts and statistics from the MLS systems and other services requires competency and knowledge of how the data was gathered and processed. Appraisers are required by USPAP to be competent in the analytical methods used during the appraisal process. Using real data, students will be able to understand how to gather data, analyze data, and draw conclusions for the neighborhood. Students will understand how seasonal, increasing, and decreasing markets work and display in the statistical analysis of a market area.

Each student will leave with a better understanding of analyzing different aspects of the market including:

  • Seasonal anomalies in markets
  • Absorption Rates
  • Oversupply and undersupply conclusions
  • Impact of outliers
  • Supporting market conditions adjustments
  • Reporting Market Conditions

*For additional information on supported devices, please visit www.kapre.com/company/system-requirements.

Location Details: Session Details:
  • Online
  • #1: Fri, December 17, 2021, 9:00 AM - 12:30 PM (America/Chicago)
  • #2: Fri, December 17, 2021, 1:30 PM - 5:30 PM (America/Chicago)

Taught By:
  • JoAnn Apostol
Notes:
Class times are in Central Time.
Dec 20 – Dec 20 2020-2021 National Uniform Standards of Professional Appraisal Practice (USPAP) Update Live Online Class (USPAP Manual NOT Included) (7-Credit Hours) Online Day
Appraiser CE 7
$119.00

Attend live classes from the comfort of your home or office! Live online courses make it more convenient than ever to complete your continuing education hours.

  • You get access to the same great Kaplan Real Estate Education content and instructors.
  • Our courses offer opportunities to engage with other students and your instructor.
  • As an added bonus, you can learn anywhere you have internet access!*

The Course is developed by the Foundation and is revised on a periodic basis to stay current with the latest edition of USPAP.
This is the 7-Hour National Uniform Standards of Professional Appraisal Practice (USPAP) Update Course, as developed by The Appraisal Foundation (Foundation). The course focuses on changes to USPAP for 2020-21 and on appraisal issues that affect daily appraisal practice.

This course is designed to assist appraisers in all areas of appraisal practice seeking competency in USPAP, including those subject to state licensing or certification and continuing education requirements imposed by professional organizations, client groups, or employers.

In addition to lectures, the course includes discussion illustrations that show how USPAP applies in situations that appraisers may encounter in everyday practice. These examples primarily address issues frequently experienced by appraisers as professionals in the appraisal of real property.

USPAP has been endorsed and adopted by major appraisal organizations in the United States. As required by federal law, USPAP must be used by states in their real property appraiser licensing and certification programs.

In addition to this student manual, each student must have a copy of the 2020-21 USPAP publication to use in the course. The publication includes USPAP, USPAP Advisory Opinions, USPAP Frequently Asked Questions, and an Index.

This course provides at least 7 hours of USPAP instruction. There is no accompanying exam for the classroom course; however, some states may require an examination for distance education.

IMPORTANT: Per The Appraisal Foundation guidelines, you are required to have a video camera (webcam) for this class.

*For additional information on supported devices, please visit www.kapre.com/company/system-requirements.

Location Details: Session Details:
  • Online
  • #1: Mon, December 20, 2021, 9:00 AM - 12:30 PM (America/Chicago)
  • #2: Mon, December 20, 2021, 1:30 PM - 5:00 PM (America/Chicago)

Taught By:
  • JoAnn Apostol
Notes:
Class times are in Central Time.
Dec 20 – Dec 20 2020-2021 National Uniform Standards of Professional Appraisal Practice (USPAP) Update Live Online Class (Includes USPAP Manual) (7-Credit Hours) Online Day
Appraiser CE 7
$189.00

Attend live classes from the comfort of your home or office! Live online courses make it more convenient than ever to complete your continuing education hours.

  • You get access to the same great Kaplan Real Estate Education content and instructors.
  • Our courses offer opportunities to engage with other students and your instructor.
  • As an added bonus, you can learn anywhere you have internet access!*

The Course is developed by the Foundation and is revised on a periodic basis to stay current with the latest edition of USPAP.
This is the 7-Hour National Uniform Standards of Professional Appraisal Practice (USPAP) Update Course, as developed by The Appraisal Foundation (Foundation). The course focuses on changes to USPAP for 2020-21 and on appraisal issues that affect daily appraisal practice.

This course is designed to assist appraisers in all areas of appraisal practice seeking competency in USPAP, including those subject to state licensing or certification and continuing education requirements imposed by professional organizations, client groups, or employers.

In addition to lectures, the course includes discussion illustrations that show how USPAP applies in situations that appraisers may encounter in everyday practice. These examples primarily address issues frequently experienced by appraisers as professionals in the appraisal of real property.

USPAP has been endorsed and adopted by major appraisal organizations in the United States. As required by federal law, USPAP must be used by states in their real property appraiser licensing and certification programs.

In addition to this student manual, each student must have a copy of the 2020-21 USPAP publication to use in the course. The publication includes USPAP, USPAP Advisory Opinions, USPAP Frequently Asked Questions, and an Index.

This course provides at least 7 hours of USPAP instruction. There is no accompanying exam for the classroom course; however, some states may require an examination for distance education.

IMPORTANT: Per The Appraisal Foundation guidelines, you are required to have a video camera (webcam) for this class.

*For additional information on supported devices, please visit www.kapre.com/company/system-requirements.

Location Details: Session Details:
  • Online
  • #1: Mon, December 20, 2021, 9:00 AM - 12:30 PM (America/Chicago)
  • #2: Mon, December 20, 2021, 1:30 PM - 5:00 PM (America/Chicago)

Taught By:
  • JoAnn Apostol
Notes:
Class times are in Central Time.
Dec 21 – Dec 21 Supervisory Appraiser/Trainee Appraiser: Rules, Roles, and Responsibilities Live Online Class (4-Credit Hours) Online Day
Appraiser CE 4
$69.00
Only 4 Seats Remaining
 Call Customer Support to Purchase  Call Customer Support to Purchase  Call Customer Support to Purchase

Appropriately preparing trainee appraisers is imperative for ensuring the integrity and quality of the industry is upheld.

The recent rebound of the real estate market has been a welcome sight for the appraisal profession. It is the crucial responsibility of supervisory appraisers to train, develop, and mentor these new professionals. This mentor relationship will produce competent, ethical appraisers to enhance public trust. The 2020 AQB Real Property Appraiser Qualification Criteria requires that both supervisory and trainee appraisers be educated regarding the expectations for these roles.

This course meets the national, AQB-required content and outline for supervisory and trainee appraisers. Discussions revolve around the requirements, expectations, and responsibilities of both types of appraisers in order for trainees to gain experience credit. A short history of the profession is followed by the structure of the entities that oversee appraisers, including The Appraisal Foundation, The Appraisal Subcommittee, and state regulatory bodies.

Students will understand the requirements for licensing levels and the use of trainees for Fannie Mae, FHA, and lender assignments. Also addressed are the USPAP requirements that apply to assignments involving more than one appraiser.

Topics Include:

  • The AQB and its role in the profession
  • 2020 AQB Real Property Appraiser Qualification Criteria
  • Trainee appraiser expectations
  • Supervisory appraiser requirements and expectations
  • Significant assistance—what it is and how to report it
Location Details: Session Details:
  • Online
  • #1: Tue, December 21, 2021, 9:00 AM - 1:00 PM (America/Chicago)

Taught By:
  • JoAnn Apostol