Commercial Appraiser-Appraisal 310.337.1973

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Gann Limit back from past to needle big-spenders

Gann Limit back from past to needle big-spenders
  
Thanks!
Curtis D. Harris, BS, CGREA, REB
Associate Degree in Architecture, LACCBachelor of Science in Real Estate, CSULA
State Certified General Appraiser
Real Estate Broker
ASTM E-2018 Commercial Real Estate Inspector
HUD 203k Consultant
HUD/FHA Real Estate Appraiser/Reviewer
FannieMae REO ConsultantCTAC LEED-GREEN Certificate The Harris Company, Forensic Appraisers and Real Estate Consultants
*PIRS/Harris Company and the Science of Real Estate-Partners Since 1984*630 North Sepulveda Boulevard, Suite 9A
El Segundo, CA. 90245
310-337-1973 Office
310-251-3959 CellWebSite: http://www.harriscompanyrec.com Resume: http://www.harriscompanyrec.com/rESUME2011.pdf Commercial Appraiser Blog: http://commercialappraiser.typepad.com/blog/ IT'S THE LAW-Designation Discrimination is Illegal [FIRREA, Sec. 564.6]: Professional Association Membership: "A State Certified General Appraiser may not be excluded from consideration for an assignment for a federally related transaction by virtue of membership or lack of membership in any particular appraisal organization," including the appraisal institute. http://www.ofi.state.la.us/re-otspart565.pdf CONFIDENTIALITY/PRIVILEGE NOTICE: This transmission and any attachments are intended solely for the addressee. The information contained in this transmission is confidential in nature and protected from further use or disclosure under U.S. Pub. L. 106-102, 113 U.S. Stat. 1338 (1999), and may be subject to consultant/appraiser-client or other legal privilege. Your use or disclosure of this information for any purpose other than that intended by its transmittal is strictly prohibited and may subject you to fines and/or penalties under federal and state law. If you are not the intended recipient of this transmission, please destroy all copies received and confirm destruction to the sender via return transmittal.
 
From: Howard Jarvis Taxpayers Association [mailto:distribution=hjta.org@mail243.atl101.mcdlv.net] On Behalf Of Howard Jarvis Taxpayers Association
Sent: Monday, 13 March, 2017 1:27 PM
To: harris_curtis@sbcglobal.net
Subject: Gann Limit back from past to needle big-spenders

 

At your request: This week's California Commentary by Jon Coupal View this email in your browser

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  California CommentaryYou are receiving this email because you subscribed on the HJTA website, or you provided your address in response to direct mail. Please see the bottom of this message to unsubscribe. Gann Limit back from past to needle big-spenders Consider this argument from Sacramento politicians: California’s roads, freeways and bridges are crumbling. Our spending on transportation is so seriously inadequate that a gas tax increase and other taxes are desperately needed to save California from ruin.If this sounds like the shrill arguments we are currently hearing to support an increase in California’s gas tax by another 12 cents a gallon and a hike in the car tax by nearly $40, you’re only half right. Those with long memories will recall that these were the identical arguments made in 1990 by Gov. George Deukmejian and transportation interests urging the passage of Proposition 111, a 9 cents-a-gallon tax increase combined with a 55 percent increase in truck weight fees.Demonstrating that not much has changed in a quarter-century, promoters of Prop. 111 trotted out long lists of projects that would be completed with the billions of dollars in new revenue. Advertising focused on the benefits of Proposition 111, without ever mentioning taxes.To read the entire column, please click here. 
Jon Coupal is the President of the Howard Jarvis Taxpayers Association (HJTA). He is a recognized expert in California fiscal affairs and has argued numerous tax cases before the courts. 
 
HJTA is totally dependent on the voluntary support of California taxpayers.  
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Recommended courses for you

  
Thanks!
Curtis D. Harris, BS, CGREA, REB
Associate Degree in Architecture, LACCBachelor of Science in Real Estate, CSULA
State Certified General Appraiser
Real Estate Broker
ASTM E-2018 Commercial Real Estate Inspector
HUD 203k Consultant
HUD/FHA Real Estate Appraiser/Reviewer
FannieMae REO ConsultantCTAC LEED-GREEN Certificate The Harris Company, Forensic Appraisers and Real Estate Consultants
*PIRS/Harris Company and the Science of Real Estate-Partners Since 1984*630 North Sepulveda Boulevard, Suite 9A
El Segundo, CA. 90245
310-337-1973 Office
310-251-3959 CellWebSite: http://www.harriscompanyrec.com Resume: http://www.harriscompanyrec.com/rESUME2011.pdf Commercial Appraiser Blog: http://commercialappraiser.typepad.com/blog/ IT'S THE LAW-Designation Discrimination is Illegal [FIRREA, Sec. 564.6]: Professional Association Membership: "A State Certified General Appraiser may not be excluded from consideration for an assignment for a federally related transaction by virtue of membership or lack of membership in any particular appraisal organization," including the appraisal institute. http://www.ofi.state.la.us/re-otspart565.pdf CONFIDENTIALITY/PRIVILEGE NOTICE: This transmission and any attachments are intended solely for the addressee. The information contained in this transmission is confidential in nature and protected from further use or disclosure under U.S. Pub. L. 106-102, 113 U.S. Stat. 1338 (1999), and may be subject to consultant/appraiser-client or other legal privilege. Your use or disclosure of this information for any purpose other than that intended by its transmittal is strictly prohibited and may subject you to fines and/or penalties under federal and state law. If you are not the intended recipient of this transmission, please destroy all copies received and confirm destruction to the sender via return transmittal.
 
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Four myths in the battle over Dodd-Frank

Intraday News Update
  
Thanks!
Curtis D. Harris, BS, CGREA, REB
Associate Degree in Architecture, LACCBachelor of Science in Real Estate, CSULA
State Certified General Appraiser
Real Estate Broker
ASTM E-2018 Commercial Real Estate Inspector
HUD 203k Consultant
HUD/FHA Real Estate Appraiser/Reviewer
FannieMae REO ConsultantCTAC LEED-GREEN Certificate The Harris Company, Forensic Appraisers and Real Estate Consultants
*PIRS/Harris Company and the Science of Real Estate-Partners Since 1984*630 North Sepulveda Boulevard, Suite 9A
El Segundo, CA. 90245
310-337-1973 Office
310-251-3959 CellWebSite: http://www.harriscompanyrec.com Resume: http://www.harriscompanyrec.com/rESUME2011.pdf Commercial Appraiser Blog: http://commercialappraiser.typepad.com/blog/ IT'S THE LAW-Designation Discrimination is Illegal [FIRREA, Sec. 564.6]: Professional Association Membership: "A State Certified General Appraiser may not be excluded from consideration for an assignment for a federally related transaction by virtue of membership or lack of membership in any particular appraisal organization," including the appraisal institute. http://www.ofi.state.la.us/re-otspart565.pdf CONFIDENTIALITY/PRIVILEGE NOTICE: This transmission and any attachments are intended solely for the addressee. The information contained in this transmission is confidential in nature and protected from further use or disclosure under U.S. Pub. L. 106-102, 113 U.S. Stat. 1338 (1999), and may be subject to consultant/appraiser-client or other legal privilege. Your use or disclosure of this information for any purpose other than that intended by its transmittal is strictly prohibited and may subject you to fines and/or penalties under federal and state law. If you are not the intended recipient of this transmission, please destroy all copies received and confirm destruction to the sender via return transmittal.
 
From: National Mortgage News [mailto:nationalmortgagenews@email.nationalmortgagenews.com]
Sent: Monday, 13 March, 2017 1:30 PM
To: harris_curtis@sbcglobal.net
Subject: Four myths in the battle over Dodd-Frank

 

Republicans repeatedly claim that the Dodd-Frank Act has hurt consumers by raising costs and hampering credit availability. But the data doesn't back that up.

 
 

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Intraday News Update Mar 13, 2017
   
 
  Four myths in the battle over Dodd-Frankby KATE BERRY Republicans repeatedly claim that the Dodd-Frank Act has hurt consumers by raising costs and hampering credit availability. But the data doesn't back that up.
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Chief FOIA Officer Report : 2017 FHFA Chief FOIA Officer Report

   Thanks!
Curtis D. Harris, BS, CGREA, REB
Associate Degree in Architecture, LACCBachelor of Science in Real Estate, CSULA
State Certified General Appraiser
Real Estate Broker
ASTM E-2018 Commercial Real Estate Inspector
HUD 203k Consultant
HUD/FHA Real Estate Appraiser/Reviewer
FannieMae REO ConsultantCTAC LEED-GREEN Certificate The Harris Company, Forensic Appraisers and Real Estate Consultants
*PIRS/Harris Company and the Science of Real Estate-Partners Since 1984*630 North Sepulveda Boulevard, Suite 9A
El Segundo, CA. 90245
310-337-1973 Office
310-251-3959 CellWebSite: http://www.harriscompanyrec.com Resume: http://www.harriscompanyrec.com/rESUME2011.pdf Commercial Appraiser Blog: http://commercialappraiser.typepad.com/blog/ IT'S THE LAW-Designation Discrimination is Illegal [FIRREA, Sec. 564.6]: Professional Association Membership: "A State Certified General Appraiser may not be excluded from consideration for an assignment for a federally related transaction by virtue of membership or lack of membership in any particular appraisal organization," including the appraisal institute. http://www.ofi.state.la.us/re-otspart565.pdf CONFIDENTIALITY/PRIVILEGE NOTICE: This transmission and any attachments are intended solely for the addressee. The information contained in this transmission is confidential in nature and protected from further use or disclosure under U.S. Pub. L. 106-102, 113 U.S. Stat. 1338 (1999), and may be subject to consultant/appraiser-client or other legal privilege. Your use or disclosure of this information for any purpose other than that intended by its transmittal is strictly prohibited and may subject you to fines and/or penalties under federal and state law. If you are not the intended recipient of this transmission, please destroy all copies received and confirm destruction to the sender via return transmittal. From: donotreply@fhfa.gov [mailto:donotreply@fhfa.gov]
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Subject: Chief FOIA Officer Report : 2017 FHFA Chief FOIA Officer Report 
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A bull market in FINRA arbitration claims? Here's what's driving disputes

AB 2 COL Template v1
  
Thanks!
Curtis D. Harris, BS, CGREA, REB
Associate Degree in Architecture, LACCBachelor of Science in Real Estate, CSULA
State Certified General Appraiser
Real Estate Broker
ASTM E-2018 Commercial Real Estate Inspector
HUD 203k Consultant
HUD/FHA Real Estate Appraiser/Reviewer
FannieMae REO ConsultantCTAC LEED-GREEN Certificate The Harris Company, Forensic Appraisers and Real Estate Consultants
*PIRS/Harris Company and the Science of Real Estate-Partners Since 1984*630 North Sepulveda Boulevard, Suite 9A
El Segundo, CA. 90245
310-337-1973 Office
310-251-3959 CellWebSite: http://www.harriscompanyrec.com Resume: http://www.harriscompanyrec.com/rESUME2011.pdf Commercial Appraiser Blog: http://commercialappraiser.typepad.com/blog/ IT'S THE LAW-Designation Discrimination is Illegal [FIRREA, Sec. 564.6]: Professional Association Membership: "A State Certified General Appraiser may not be excluded from consideration for an assignment for a federally related transaction by virtue of membership or lack of membership in any particular appraisal organization," including the appraisal institute. http://www.ofi.state.la.us/re-otspart565.pdf CONFIDENTIALITY/PRIVILEGE NOTICE: This transmission and any attachments are intended solely for the addressee. The information contained in this transmission is confidential in nature and protected from further use or disclosure under U.S. Pub. L. 106-102, 113 U.S. Stat. 1338 (1999), and may be subject to consultant/appraiser-client or other legal privilege. Your use or disclosure of this information for any purpose other than that intended by its transmittal is strictly prohibited and may subject you to fines and/or penalties under federal and state law. If you are not the intended recipient of this transmission, please destroy all copies received and confirm destruction to the sender via return transmittal.
 
From: Financial Planning | Trending [mailto:financial-planning@email.financial-planning.com]
Sent: Monday, 13 March, 2017 1:27 PM
To: harris_curtis@sbcglobal.net
Subject: A bull market in FINRA arbitration claims? Here's what's driving disputes

 
Stocks and Puerto Rican bonds are the focus of many cases among clients, advisers and firms.


 

 
 
 

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  TOP STORIES ARBITRATION A bull market in FINRA arbitration claims? Here's what's driving disputesby TOBIAS SALINGER SOCIAL MEDIA What not to do when speaking to the mediaby CAROLYN MCCLANAHAN RETIREMENT PLANNING Kitces: Why wealthy clients feel poor when they approach retirementby MICHAEL KITCES FINANCIAL LITERACY Test your planning acronym expertiseby MADDY PERKINS INVESTMENT INSIGHTS Funds with highest P/E ratios: Buy or beware?by LEE CONRAD   

   
 

    Featured Resources WEB SEMINARBest fiduciary practices for advisersClients increasingly want greater transparency around compensation as well as fiduciary services   

     

 


 
 
  
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Afternoon Edition: FDIC unveils Dodd-Frank alternative for "better" bank regulation

Housing Wire Afternoon Update
  
Thanks!
Curtis D. Harris, BS, CGREA, REB
Associate Degree in Architecture, LACCBachelor of Science in Real Estate, CSULA
State Certified General Appraiser
Real Estate Broker
ASTM E-2018 Commercial Real Estate Inspector
HUD 203k Consultant
HUD/FHA Real Estate Appraiser/Reviewer
FannieMae REO ConsultantCTAC LEED-GREEN Certificate The Harris Company, Forensic Appraisers and Real Estate Consultants
*PIRS/Harris Company and the Science of Real Estate-Partners Since 1984*630 North Sepulveda Boulevard, Suite 9A
El Segundo, CA. 90245
310-337-1973 Office
310-251-3959 CellWebSite: http://www.harriscompanyrec.com Resume: http://www.harriscompanyrec.com/rESUME2011.pdf Commercial Appraiser Blog: http://commercialappraiser.typepad.com/blog/ IT'S THE LAW-Designation Discrimination is Illegal [FIRREA, Sec. 564.6]: Professional Association Membership: "A State Certified General Appraiser may not be excluded from consideration for an assignment for a federally related transaction by virtue of membership or lack of membership in any particular appraisal organization," including the appraisal institute. http://www.ofi.state.la.us/re-otspart565.pdf CONFIDENTIALITY/PRIVILEGE NOTICE: This transmission and any attachments are intended solely for the addressee. The information contained in this transmission is confidential in nature and protected from further use or disclosure under U.S. Pub. L. 106-102, 113 U.S. Stat. 1338 (1999), and may be subject to consultant/appraiser-client or other legal privilege. Your use or disclosure of this information for any purpose other than that intended by its transmittal is strictly prohibited and may subject you to fines and/or penalties under federal and state law. If you are not the intended recipient of this transmission, please destroy all copies received and confirm destruction to the sender via return transmittal.
 
From: HousingWire Newsletter [mailto:newsletters@housingwire.com]
Sent: Monday, 13 March, 2017 1:12 PM
To: harris_curtis@sbcglobal.net
Subject: Afternoon Edition: FDIC unveils Dodd-Frank alternative for "better" bank regulation

 

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Afternoon Update

March 13, 2017

 

 

FDIC unveils Dodd-Frank alternative for "better" bank regulationSpeaking at the Institute of International Bankers Annual Washington Conference, FDIC Vice Chairman Thomas Hoenig said that while Dodd-Frank is well intended, the regulations are too burdensome for all banks, "especially smaller banks." So here's what the FDIC wants to do, instead.
 

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Scaling Up or Down While Reducing Risk and Cost. Strategies, processes, and technologies to help loan servicers succeed as bankruptcy volumes decline or increase. Even if you can't make it, sign up anyway, we'll send you the recording Learn more.

 

Atlanta Fed selects former HUD assistant secretary Raphael Bostic as new presidentServed as HUD assistant secretary for policy development and researchThe Federal Reserve Bank of Atlanta announced Monday it selected Raphael Bostic to serve as its new president and chief executive officer. Bostic brings significant housing experience to this position. From 2009 to 2012, Bostic served as assistant secretary for policy development and research at the Department of Housing and Urban Development.

Vista Equity Partners acquiring D+H in $3.6 billion dealCompany would be merged with MisysIn a move with worldwide implications in the finance services industry, Vista Equity Partners announced Monday that it is acquiring D+H, a Toronto-based provider of technology solutions to financial institutions, in a $3.6 billion deal. D+H is a winner of HousingWire Magazine's 2017 HW Tech100 as one of the top tech companies in housing finance.

 

Here are the top 10 best cities to sell a homeDFW area claims 5 top spotsHome prices are increasing as inventory hits new lows. And yet, homebuyers continue to flood the market. Under these conditions, sellers are at an advantage. SmartAsset produced a list that shows the top 10 best cities to sell a home.

 

These 10 housing finance companies made Fortune's best places to work listHere's your competition for talentFortune Magazine released its list of the best places to work, and 10 companies from the housing industry made that list. In fact, one company even took the No. 10 spot. Here's what these companies have to say about their ranking, and how it compares to last year.

Monday Morning Cup of Coffee: Housing takes center stage at SXSWMortgage finance finally rubbing shoulders with the IT crowd"How do we make real estate sexy like South By Southwest is," Sean Dobson, chairman and CEO of Amherst Holdings, joked at his company's session at the renowned conference in Austin. The data and analytics company for the real estate industry is on an extremely short list of housing-affiliated companies attending the two-week conference, and who else but HousingWire would be there to cover it all? No one, that's who. Click to read the exclusive coverage!

 
Judge rules DOJ can pursue FHA lending charges against Quicken LoansBut statue of limitations significantly narrows time frameA U.S. District judge ruled that the Department of Justice can pursue its charges against Quicken Loans over FHA lending violations. Don’t hold your breath on hearing the case play through though. The trial won’t begin until April 2019.
 
New bill threatens CFPB's freedom as independent agencyForces independent agencies to report to Office of Information and Regulatory AffairsThe Consumer Financial Protection Bureau's freedom as an independent agency to enact regulation could soon change due to a new bill working its way through Congress. This bill, "OIRA Insight, Reform, and Accountability Act," has already made its way through the House and has moved onto the Senate Committee on Homeland Security and Governmental Affairs. Will the industry finally get the regulatory relief it's been asking for if the bill passes?
 
Trump aide, top Republican staffers, BlackRock exec among Mnuchin's top staff at TreasuryTreasury announces Secretary's senior staffA former top aide to the campaign of President Donald Trump, two top Republican staffers, and a former executive at BlackRock will serve as the senior staff to Steven Mnuchin, the Department of the Treasury announced Friday. The four staffers will serve as key advisors on areas ranging from the federal budget, to tax reform, legislative issues, domestic finance, housing finance policy, and regulatory reform.
 
LendingHome rolls out online mortgage for first-time homebuyersUsers can complete a mortgage application within minutesLendingHome, a marketplace lender and HousingWire 2017 Tech100 winner, announced its new one-stop online mortgage designed with the needs of first-time homebuyers in mind. Barely three years old, here's the latest installment in the company's growth.
 

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Any reprints or other use of these articles in whole or in substantial part, in any medium, requires advance written permission from HousingWire. For reprint information on stories in the HousingWire Daily Update, e-mail custserv@housingwire.com or call 469-893-1480.Some links may require registration or subscription. HousingWire is not affiliated with the referenced publications.HousingWire: HousingWIre 1320 Greenway Drive. Ste 870 Irving, Texas 75038 USA | Phone: 469-893-1480Copyright 2016 HousingWire. All rights reserved.The HousingWire Daily Update is a daily electronic publication offered for free to qualified industry professionals who have opted in to receive our newsletter. Thanks for being on the cutting edge!
 

Long-term care insurance: Start small and build

AB 2 COL Template v1
  
Thanks!
Curtis D. Harris, BS, CGREA, REB
Associate Degree in Architecture, LACCBachelor of Science in Real Estate, CSULA
State Certified General Appraiser
Real Estate Broker
ASTM E-2018 Commercial Real Estate Inspector
HUD 203k Consultant
HUD/FHA Real Estate Appraiser/Reviewer
FannieMae REO ConsultantCTAC LEED-GREEN Certificate The Harris Company, Forensic Appraisers and Real Estate Consultants
*PIRS/Harris Company and the Science of Real Estate-Partners Since 1984*630 North Sepulveda Boulevard, Suite 9A
El Segundo, CA. 90245
310-337-1973 Office
310-251-3959 CellWebSite: http://www.harriscompanyrec.com Resume: http://www.harriscompanyrec.com/rESUME2011.pdf Commercial Appraiser Blog: http://commercialappraiser.typepad.com/blog/ IT'S THE LAW-Designation Discrimination is Illegal [FIRREA, Sec. 564.6]: Professional Association Membership: "A State Certified General Appraiser may not be excluded from consideration for an assignment for a federally related transaction by virtue of membership or lack of membership in any particular appraisal organization," including the appraisal institute. http://www.ofi.state.la.us/re-otspart565.pdf CONFIDENTIALITY/PRIVILEGE NOTICE: This transmission and any attachments are intended solely for the addressee. The information contained in this transmission is confidential in nature and protected from further use or disclosure under U.S. Pub. L. 106-102, 113 U.S. Stat. 1338 (1999), and may be subject to consultant/appraiser-client or other legal privilege. Your use or disclosure of this information for any purpose other than that intended by its transmittal is strictly prohibited and may subject you to fines and/or penalties under federal and state law. If you are not the intended recipient of this transmission, please destroy all copies received and confirm destruction to the sender via return transmittal.
 
From: Bank Inv. Consultant | Trending [mailto:bankinvestmentconsultant@email.bankinvestmentconsultant.com]
Sent: Monday, 13 March, 2017 1:02 PM
To: harris_curtis@sbcglobal.net
Subject: Long-term care insurance: Start small and build

 
For many people, insuring for the basics of home health care "might be enough to keep the wolves from the door," says Nationwide executive.


 

 
 
 

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March 13, 2017
 
    

 
  TOP STORIES LONG-TERM CARE Long-term care insurance: Start small and buildby MARGARIDA CORREIA  
  
SURVEYSurvey for advisers: Help us understand your compensation
  
  RETIREMENT PLANNING Why wealthy clients feel poor when they approach retirementby MICHAEL KITCES TAX STRATEGIES SCAN Obamacare tax that wealthy clients have managed to avoid: Tax Strategy Scan RETIREMENT SCAN How to leverage your client’s small business for a secure future: Retirement Scan  

   
 

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2017 Top Producers Nos. 151-200

Intraday News Update
  
Thanks!
Curtis D. Harris, BS, CGREA, REB
Associate Degree in Architecture, LACCBachelor of Science in Real Estate, CSULA
State Certified General Appraiser
Real Estate Broker
ASTM E-2018 Commercial Real Estate Inspector
HUD 203k Consultant
HUD/FHA Real Estate Appraiser/Reviewer
FannieMae REO ConsultantCTAC LEED-GREEN Certificate The Harris Company, Forensic Appraisers and Real Estate Consultants
*PIRS/Harris Company and the Science of Real Estate-Partners Since 1984*630 North Sepulveda Boulevard, Suite 9A
El Segundo, CA. 90245
310-337-1973 Office
310-251-3959 CellWebSite: http://www.harriscompanyrec.com Resume: http://www.harriscompanyrec.com/rESUME2011.pdf Commercial Appraiser Blog: http://commercialappraiser.typepad.com/blog/ IT'S THE LAW-Designation Discrimination is Illegal [FIRREA, Sec. 564.6]: Professional Association Membership: "A State Certified General Appraiser may not be excluded from consideration for an assignment for a federally related transaction by virtue of membership or lack of membership in any particular appraisal organization," including the appraisal institute. http://www.ofi.state.la.us/re-otspart565.pdf CONFIDENTIALITY/PRIVILEGE NOTICE: This transmission and any attachments are intended solely for the addressee. The information contained in this transmission is confidential in nature and protected from further use or disclosure under U.S. Pub. L. 106-102, 113 U.S. Stat. 1338 (1999), and may be subject to consultant/appraiser-client or other legal privilege. Your use or disclosure of this information for any purpose other than that intended by its transmittal is strictly prohibited and may subject you to fines and/or penalties under federal and state law. If you are not the intended recipient of this transmission, please destroy all copies received and confirm destruction to the sender via return transmittal.
 
From: National Mortgage News [mailto:nationalmortgagenews@email.nationalmortgagenews.com]
Sent: Monday, 13 March, 2017 12:27 PM
To: harris_curtis@sbcglobal.net
Subject: 2017 Top Producers Nos. 151-200

 

The 2017 countdown of the National Mortgage News Top Producers list continues by featuring the loan officers ranked 151-200.

 
 

   Home | Subscribe
   
Intraday News Update Mar 13, 2017
   
 
  2017 Top Producers Nos. 151-200by NMN STAFF The 2017 countdown of the National Mortgage News Top Producers list continues by featuring the loan officers ranked 151-200.
READ MORE »  
    

 
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