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Analyzing the FHA mortgage applicants Credit history

December 21st, 2009

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Analyzing the FHA mortgage applicants Credit history.

Credit History Past credit performance serves as the most useful guide in determining the FHA mortgage applicants attitude toward credit obligations and predicting a borrower’s future actions. A borrower who has made payments on previous and current obligations in a timely manner represents reduced risk. Conversely, if the credit history, despite adequate income to support obligations, reflects continuous slow payments, judgments, and delinquent accounts, strong compensating factors will be necessary to approve the loan.

When analyzing a FHA mortgage applicants credit history, examine the overall pattern of credit behavior, rather than isolated occurrences of unsatisfactory or slow payments. A period of financial difficulty in the past does not necessarily make the risk unacceptable if the borrower has maintained a good payment record for a considerable time period since the difficulty. When delinquent accounts are revealed, the lender must document their analysis as to whether the late payments were based on a disregard for financial obligations, an inability to manage debt, or factors beyond the control of the FHA mortgage applicants , including delayed mail delivery or disputes with creditors.

While minor derogatory information occurring two or more years in the past does not require explanation, major indications of derogatory credit–including judgments, collections, and any other recent credit problems–require sufficient written explanation from the borrower. The borrower’s explanation must make sense and be consistent with other credit information in the file.

Neither the lack of credit history nor the borrower’s decision not to use credit may be used as a basis for rejecting the loan application. We also recognize that some prospective borrowers may not have an established credit history. For those borrowers, and for those who do not use traditional credit, the lender must develop a credit history from utility payment records, rental payments, automobile insurance payments, or other means of direct access from the credit provider. The lender must document that the providers of non-traditional credit do, in fact, exist and verify the credit information. Documents confirming the existence of a non-traditional credit provider may include a public record from the state, county, or city records, or other means providing a similar level of objective confirmation. To verify the credit information, lenders must use a published address or telephone number for that creditor.

As an alternative, the lender may elect to use a non-traditional mortgage credit report developed by a credit-reporting agency, provided that the credit reporting agency has verified the existence of the credit providers and the lender verifies that the non-traditional credit was extended to the applicant. The lender must verify the credit using a published address or telephone number to make that verification.

The basic hierarchy of credit evaluation is the manner of payments made on previous housing expenses, including utilities, followed by the payment history of installment debts, and then revolving accounts. Generally, an individual with no late housing or installment debt payments should be considered as having an acceptable credit history, unless there is major derogatory credit on his or her revolving accounts.

FHA loan Advantages Include:

Minimal Down Payment and Closing Costs.

Down payment less than 3.5% of Sales Price
Gift for down payment and closing costs allowed.
No reserves or required.
FHA regulated closing costs.
Seller can credit up to 6% of sales price towards buyers costs.

Easier Credit Qualifying Guidelines such as:

Minimum FICO credit score of 540.
FHA will allow a home purchase 2 years after a Bankruptcy.
FHA will allow a home purchase 3 years after a Foreclosure.

Easier Debt Ratio & Job Requirement Guidelines such as:

Higher Debt Ratio’s than other home loan programs.
Less than two years on the job is allowed.
Self-Employed individuals o.k.

APPLY NOW AT (( www.FHAmortgageFHAloan.com ))

When reviewing the borrower’s credit and credit report, the lender must pay particular attention to the following:

Previous Rental or Mortgage Payment History. The payment history of the FHA mortgage applicants housing obligations holds significant importance in evaluating credit. The lender must determine the borrower’s payment history of housing obligations through either the credit report, verification of rent directly from the landlord (with no identity-of-interest with the borrower) or verification of mortgage directly from the mortgage servicer, or through canceled checks covering the most recent 12-month period.

Collections and Judgments. Court-ordered judgments must be paid off before the mortgage loan is eligible for FHA insurance endorsement. (An exception may be made if the borrower has agreed with the creditor to make regular and timely payments on the judgment and documentation is provided that the payments have been made in accordance with the agreement.) FHA does not require that collection accounts be paid off as a condition of mortgage approval. Collections and judgments indicate a borrower’s regard for credit obligations and must be considered in the analysis of creditworthiness with the lender documenting its reasons for approving a mortgage where the borrower has collection accounts or judgments. The borrower must explain in writing all collections and judgments.

Recent and/or Undisclosed Debts. The FHA lender must ascertain the purpose of any recent debts, as the indebtedness may have been incurred to obtain part of the required cash investment on the property being purchased. Similarly, the borrower must provide a satisfactory explanation for any significant debt that is shown on the credit report but not listed on the loan application. The borrower must explain in writing all inquiries shown on the credit report in the last 90 days.

Bankruptcy. A Chapter 7 bankruptcy (liquidation) does not disqualify a borrower from obtaining an FHA-insured mortgage if at least two years have elapsed since the date of the discharge of the bankruptcy. Additionally, the borrower must have re-established good credit or chosen not to incur new credit obligations. The borrower also must have demonstrated a documented ability to responsibly manage his or her financial affairs. An elapsed period of less than two years, but not less than 12 months, may be acceptable if the borrower can show that the bankruptcy was caused by extenuating circumstances beyond his or her control and has since exhibited a documented ability to manage his or her financial affairs in a responsible manner. Additionally, the lender must document that the borrower’s current situation indicates that the events that led to the bankruptcy are not likely to recur.

Previous Mortgage Foreclosure. A borrower whose previous principal residence or other real property was foreclosed or has given a deed-in-lieu of foreclosure within the previous three years is generally not eligible for a new FHA-insured mortgage. However, if the foreclosure was the result of documented extenuating circumstances that were beyond the control of the borrower and the borrower has re-established good credit since the foreclosure, the lender may grant an exception to the three-year requirement. Extenuating circumstances include serious illness or death of a wage earner, but do not include the inability to sell the house because of a job transfer or relocation to another area.

A Chapter 13 bankruptcy does not disqualify a borrower from obtaining an FHA-insured mortgage provided the lender documents that one year of the payout period under the bankruptcy has elapsed and the borrower’s payment performance has been satisfactory (i.e., all required payments made on time). In addition, the borrower must receive permission from the court to enter into the mortgage transaction.

Consumer Credit Counseling Payment Plans. Participation in a consumer credit counseling payment program does not disqualify a borrower from obtaining an FHA-insured mortgage provided the lender documents that one year of the pay-out period has elapsed under the plan and the borrower’s payment performance has been satisfactory (i.e., all required payments made on time). In addition, the borrower must receive written permission from the counseling agency to enter into the mortgage transaction.

Article Source:http://www.articlesbase.com/mortgage-articles/analyzing-the-fha-mortgage-applicants-credit-history-1609486.html

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FHA Mortgage Qualifying Florida, FHA qualifying is easy……

November 19th, 2009

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FHA CREDIT Qualifying

ANALYZING THE FHA Mortgage applicants Credit History

Florida home buyers should know the many advantages of the FHA mortgage loan programs. FHA loans were created to help increase home ownership. For the Florida home buyer the FHA program can simplify the purchase of a home, making financing easier and less expensive than a conventional mortgage loan product. Some highlights of the Florida FHA loan program include:

Minimal Down Payment and Closing costs.

Down payment less than 3% of Sales Price Gifts are allowed
Seller can credit up to 6% of sales price towards closing and prepaid costs.
100% Financing available
No reserves required.
FHA regulated closing costs.

Easier Credit Qualifying Guidelines such as:

- No minimum FICO score or credit score requirements.
- FHA will allow a home purchase 1 year after a Bankruptcy.
- FHA will allow a home purchase2 years after a Foreclosure.

To take advantage of the FHA program in Florida, Visit

www.FHAmortgageFHAloan.com

Past credit performance serves as the most useful guide in determining a borrower’s attitude toward credit obligations and predicting a borrower’s future actions. A borrower who has made

payments on previous and current obligations in a timely manner represents

reduced risk. Conversely, if the credit history, despite adequate income to support obligations, reflects continuous slow payments, judgments, and delinquent accounts, strong compensating factors will be necessary to approve the loan.

When analyzing a borrower’s credit history, examine the overall pattern of credit behavior, rather than isolated occurrences of unsatisfactory or slow payments. A period of financial difficulty in the past does not necessarily make the risk unacceptable if the borrower has maintained a good payment record for a considerable time period since the difficulty. When delinquent accounts are

revealed, the lender must document their analysis as to whether the late payments were based on a disregard for financial obligations, an inability to manage debt, or factors beyond the control of the borrower, including delayed mail delivery or disputes with creditors.

While minor derogatory information occurring two or more years in the past does not require explanation, major indications of derogatory credit–including

judgments, collections, and any other recent credit problems–require sufficient

written explanation from the borrower. The borrower’s explanation must make

sense and be consistent with other credit information in the file. Neither the lack of credit history nor the borrower’s decision not to use credit may

be used as a basis for rejecting the loan application. We also recognize that some prospective borrowers may not have an established credit history. For those borrowers, and for those who do not use traditional credit, the lender must develop a credit history from utility payment records, rental payments, automobile insurance payments, or other means of direct access from the credit provider. The lender must document that the providers of non-traditional credit do, in fact, exist and verify the credit information. Documents confirming the existence of a nontraditional credit provider may include a public record from the state, county, or city records, or other means providing a similar level of objective confirmation. To verify the credit information, lenders must use a published address or telephone number for that creditor. As an alternative, the lender may elect to use a non-traditional mortgage credit report developed by a credit-reporting agency, provided that the credit reporting agency has verified the existence of the credit providers and the lender verifies that the non-traditional credit was extended to the applicant. The lender must verify the credit using a published address or telephone number to make that

verification.

The basic hierarchy of credit evaluation is the manner of payments made on

previous housing expenses, including utilities, followed by the payment history of installment debts, and then revolving accounts. Generally, an individual with no late housing or installment debt payments should be considered as having an acceptable credit history, unless there is major derogatory credit on his or her revolving accounts.

When reviewing the borrower’s credit and credit report, the lender must pay

particular attention to the following:

A. Previous Rental or Mortgage Payment History. The payment history

of the borrower’s housing obligations holds significant importance in

evaluating credit. The lender must determine the borrower’s payment

history of housing obligations through either the credit report, verification

of rent directly from the landlord (with no identity-of-interest with the

borrower) or verification of mortgage directly from the mortgage servicer,

or through canceled checks covering the most recent 12-month period.

B. Recent and/or Undisclosed Debts. The lender must ascertain the

purpose of any recent debts, as the indebtedness may have been incurred

to obtain part of the required cash investment on the property being

purchased. Similarly, the borrower must provide a satisfactory

explanation for any significant debt that is shown on the credit report but

not listed on the loan application. The borrower must explain in writing

all inquiries shown on the credit report in the last 90 days.

C. Collections and Judgments. Court-ordered judgments must be paid off

before the mortgage loan is eligible for FHA insurance endorsement. (An

exception may be made if the borrower has agreed with the creditor to

make regular and timely payments on the judgment and documentation is

provided that the payments have been made in accordance with the

agreement.) FHA does not require that collection accounts be paid off as a

condition of mortgage approval. Collections and judgments indicate a

borrower’s regard for credit obligations and must be considered in the

analysis of creditworthiness with the lender documenting its reasons for

approving a mortgage where the borrower has collection accounts or

judgments. The borrower must explain in writing all collections and

judgments.

D. Previous Mortgage Foreclosure. A borrower whose previous principal

residence or other real property was foreclosed or has given a deed-in-lieu

of foreclosure within the previous three years is generally not eligible for a

new FHA-insured mortgage. However, if the foreclosure was the result of

documented extenuating circumstances that were beyond the control of the

borrower and the borrower has re-established good credit since the

foreclosure, the lender may grant an exception to the three-year

requirement. Extenuating circumstances include serious illness or death of

a wage earner, but do not include the inability to sell the house because of

a job transfer or relocation to another area.

E. Bankruptcy. A Chapter 7 bankruptcy (liquidation) does not disqualify a

borrower from obtaining an FHA-insured mortgage if at least two years

have elapsed since the date of the discharge of the bankruptcy.

Additionally, the borrower must have re-established good credit or chosen

not to incur new credit obligations. The borrower also must have

demonstrated a documented ability to responsibly manage his or her

financial affairs. An elapsed period of less than two years, but not less

than 12 months, may be acceptable if the borrower can show that the

bankruptcy was caused by extenuating circumstances beyond his or her

control and has since exhibited a documented ability to manage his or her

financial affairs in a responsible manner. Additionally, the lender must

document that the borrower’s current situation indicates that the events

that led to the bankruptcy are not likely to recur.

A Chapter 13 bankruptcy does not disqualify a borrower from obtaining

an FHA-insured mortgage provided the lender documents that one year of

the payout period under the bankruptcy has elapsed and the borrower’s

payment performance has been satisfactory (i.e., all required payments

made on time). In addition, the borrower must receive permission from

the court to enter into the mortgage transaction.

F. Consumer Credit Counseling Payment Plans. Participation in a

consumer credit counseling payment program does not disqualify a

borrower from obtaining an FHA-insured mortgage provided the lender

documents that one year of the pay-out period has elapsed under the plan

and the borrower’s payment performance has been satisfactory (i.e., all

required payments made on time). In addition, the borrower must receive

written permission from the counseling agency to enter into the mortgage

transaction.

Article Source:http://www.articlesbase.com/mortgage-articles/fha-mortgage-qualifying-florida-fha-qualifying-is-easy-1479725.html

Reduce Your Mortgage Reduce Your Mortgage Adequate Income, Conventional Mortgage Loan, Credit Obligations, Credit Performance, Credit Score, Fha Loan, Fha Loans, Fha Mortgage Loan, Fha Program, Fico Score, Financial Difficulty, Florida Home Buyers, Florida Visit, History Florida, Mortgage Applicants, Mortgage Fha, Mortgage Loan Product, Mortgage Loan Programs, Score Requirements, Slow Payments

Qualifying for an FHA Mortgage is easy with FHA

November 14th, 2009

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Qualifying for an FHA Mortgage

ANALYZING THE FHA MORTGAGE APPLICANTS CREDIT

Past credit performance serves as the most useful guide in determining an FHA mortgage applicants attitude toward credit obligations and predicting the FHA mortgage applicants future actions. An FHA mortgage applicants mortgage applicants who has made payments on previous and current obligations in a timely manner represents reduced risk. Conversely, if the credit history, despite adequate income to support obligations, reflects continuous slow payments, judgments, and delinquent accounts, strong compensating factors will be necessary to approve the loan.

When analyzing a mortgage applicants credit history, examine the overall pattern of credit behavior, rather than isolated occurrences of unsatisfactory or slow payments. A period of financial difficulty in the past does not necessarily make the risk unacceptable if the borrower has maintained a good payment record for a considerable time period since the difficulty. When delinquent accounts are revealed, the lender must document their analysis as to whether the late payments were based on a disregard for financial obligations, an inability to manage debt, or factors beyond the control of the borrower, including delayed mail delivery or disputes with creditors.

While minor derogatory information occurring two or more years in the past does not require explanation, major indications of derogatory credit–including judgments, collections, and any other recent credit problems–require sufficient written explanation from the borrower. The FHA mortgage applicants explanation must make sense and be consistent with other credit information in the file.

Neither the lack of credit history nor the mortgage FHA mortgage applicants decision not to use credit may be used as a basis for rejecting the loan application. We also recognize that some prospective FHA mortgage applicant may not have an established credit history. For those borrowers, and for those who do not use traditional credit, the lender must develop a credit history from utility payment records, rental payments, automobile insurance payments, or other means of direct access from the credit provider. The lender must document that the providers of non-traditional credit do, in fact, exist and verify the credit information. Documents confirming the existence of a non-traditional credit provider may include a public record from the state, county, or city records, or other means providing a similar level of objective confirmation. To verify the credit information, lenders must use a published address or telephone number for that creditor.

As an alternative, the FHA mortgage lender may elect to use a non-traditional mortgage credit report developed by a credit-reporting agency, provided that the credit reporting agency has verified the existence of the credit providers and the lender verifies that the non-traditional credit was extended to the applicant. The FHA Mortgage lender must verify the credit using a published address or telephone number to make that verification.

The basic hierarchy of credit evaluation is the manner of payments made on previous housing expenses, including utilities, followed by the payment history of installment debts, and then revolving accounts. Generally, the FHA mortgage applicant with no late housing or installment debt payments should be considered as having an acceptable credit history, unless there is major derogatory credit on his or her revolving accounts.

Minimal Down Payment and Closing costs.

Down payment less than 3% of Sales Price Gifts are allowed
Seller can credit up to 6% of sales price towards closing and prepaid costs.
100% Financing available
No reserves required.
FHA regulated closing costs.

Easier Credit Qualifying Guidelines such as:

- No minimum FICO score or credit score requirements.
- FHA will allow a home purchase 2 year after a Bankruptcy.
- FHA will allow a home purchase 3 years after a Foreclosure.

http://www.fhamortgagefhaloan.com/

When reviewing the FHA mortgage applicants credit and credit report, the FHA mortgage lender must pay particular attention to the following:

The lender must determine the borrower’s payment history of housing obligations through either the credit report, verification of rent directly from the landlord (with no identity-of-interest with the borrower) or verification of mortgage directly from the mortgage servicer, or through canceled checks covering the most recent 12-month period.
The FHA mortgage applicant must explain in writing all inquiries shown on the credit report in the last 90 days.
The borrower must explain in writing all collections and judgments.
Extenuating circumstances include serious illness or death of a wage earner, but do not include the inability to sell the house because of a job transfer or relocation to another area.
Additionally, the FHA mortgage lender must document that the FHA mortgage applicants current situation indicates that the events that led to the bankruptcy are not likely to recur.

Past Chapter 13 bankruptcy does not disqualify a FHA mortgage applicant from obtaining an FHA-insured mortgage provided the FHA mortgage lender documents that one year of the payout period under the bankruptcy has elapsed and the borrower’s payment performance has been satisfactory (i.e., all required payments made on time). In addition, the borrower must receive permission from the court to enter into the mortgage transaction.

Article Source:http://www.articlesbase.com/mortgage-articles/qualifying-for-an-fha-mortgage-is-easy-with-fha-1458523.html

Reduce Your Mortgage Reduce Your Mortgage Adequate Income, Credit History, Credit Information, Credit Obligations, Credit Performance, Delinquent Accounts, Derogatory Credit, Disregard, Fha Mortgage, Financial Difficulty, Financial Obligations, Judgments, Late Payments, Loan Application, Mail Delivery, Mortgage Applicant, Mortgage Applicants, Mortgage Fha, Occurrences, Slow Payments

Remortgage Home – Right Time To Remortgage Home?

July 31st, 2009

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One of the things a lot of people are doing these days is looking into doing some home improvements on their homes. It seems that these days with the economy and everything going are people are taking a little more pride in their homes and trying to build up the value of their homes. It’s only understandable considering your house is probably going to be the largest single investment in ones lifetime. This is one of the reasons why a lot of people want to Remortgage Home.

One of the ways people finance large home improvements is by doing a Remortgage Home loan. For a person to Remortgage Home a bank looks at a few variables in a person’s life and the situation with the property itself.

First generally speaking the person needs to have adequate income to make payments of the home. This is computed in a debt ratio. Secondly there usually needs to be some equity in the home. The bank will also check a person’s credit to make sure nothing has changed that much since the original loan was made. If everything looks good to the bank they will do what is known as a Remortgage Home Loan, or refi with cash out.

There are some good advantages to pursuing this type of loan. If one has a higher interest rate due to the interest rates when the loan was originally made, then new loan and interest rate might be able to save a lot of money. With the cash out aspect of the loan some home improvements can be made and also some debt consolidation can be a part of the loan too.

Of course the possible disadvantage to this Remortgage Home loan is that the overall mortgage balance might go up and there might be some substantial remortgage fees associated with the loan. The best thing to do is to get a few different quotes from different banks. You can research remortgage brokers on the Internet and get a general idea of the process and make comparison on the interest rates.

Another reason a person may want to remortgage or refinance their home loan is they are having trouble making their monthly mortgage payments. They may be close to going into foreclosure. It is possible to Remortgage Home even if you have less than perfect credit. You could do one of the Bad Credit Remortgages that may be available to you. You can get more information on Poor Credit Remortgage by clicking on the links at the bottom of this article.

Overall right now is probably the best time to Remortgage Home. Interest rates will most likely go up soon. If one doesn’t pursue a refinance now they might never get another opportunity to get such low rates. You need to contact a remortgage broker and have them to “run” the numbers for you to see if you do Remortgage Home if it will save you money on your monthly payment or get the cash out to do those home improvements you may want to do.

For more free advice on Remortgage Home, visit us at Remortgage Advice Online where we provide that and much more in regards to remortgaging your home loan. You can also find more information if your have less than perfect credit at Poor Credit Remortgage

Article Source:http://www.articlesbase.com/mortgage-articles/remortgage-home-right-time-to-remortgage-home-1085955.html

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FHA Secure Program – Avoid Foreclosure

July 6th, 2009

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The FHA Secure program was introduced in late 2007 by the Federal Housing Administration and President Bush. Unlike most other FHA loan programs, this program is designed for homeowners who are at risk for foreclosure due to steeply increasing payments on adjustable-rate mortgages. The majority of people in the program have subprime loans, but homeowners with hybrid ARMs, option ARMs, and prime-rate ARMs may also qualify.

FHA Secure Eligibility

Contrary to initial reports, you don’t have to be delinquent on your mortgage in order to qualify. You also don’t have to wait until your rate resets to apply for a loan under the program.

If you meet the following requirements and lending standards, you may be eligible to refinance through the program:

* Original loan was not an FHA mortgage

* Payments prior to the reset were current

* No late payments in the six months prior to the reset

* Adequate income to meet payments under a new mortgage

* Debt-to-income ratio less than 43%

* Minimum 3% equity in the home

* Rate has reset or will reset by December 31, 2008

* Remaining loan balance is lower than the local loan limit. FHA loan limits (FHA-loan-limits) are now regionally determined, so check to see whether your loan is within the range.

If you’re delinquent on your mortgage, the default must be due to interest rate shock. If you’re in default due to other factors, you may not qualify for the program.

How to Apply for the Program

If you believe you’re eligible, contact an FHA-approved lender. They can discuss your options and determine whether you’re likely to qualify. You can also check your potential eligibility by completing a home loan request through Bills.com.

Additional Loan Factors

In addition to the above qualifications, additional factors help determine whether your loan can be refinanced into an FHA Secure loan. These factors include a pre-payment penalty or a current home value that is lower than the loan balance.

If your current loan has a pre-payment penalty, you have three options:

* Come up with the cash to pay it

* Roll it into your new loan

* Negotiate with the lender to forgive the penalty.

In order to roll the penalty into your new loan, the penalty plus the old loan balance and any closing costs being included in the new loan must not exceed 97% of your home’s current market value.

Many homeowners who bought at the peak of the market find that their homes are now worth less than their loan balances. FHA loans do not automatically reduce your previous loan balance to an allowable level. If you owe more than the home is worth, you have three options:

* Negotiate with the lender to accept a short pay-off

* Apply for a small second loan to cover the difference between your new loan and the old loan

* Pay the difference between loans in cash.

If the only other option is foreclosure, your lenders may be motivated to negotiate the pre-payment penalties or a short pay-off, but it’s not required to.

Benefits of the Program

The program offers numerous benefits. If you qualify, your original loan will be refinanced into a fixed-rate thirty-year mortgage. The interest rate is often lower than you’d receive with a conventional loan. In addition, the underwriting standards are more flexible than non-FHA loans. Finally, an FHA Secure loan can save you from foreclosure and allow you to stay in your home.

If you’re at risk for foreclosure, you owe it to yourself to check out the program and determine whether you’re likely to qualify. The first step is reviewing the FHA Secure Fact Sheet. For more articles on FHA Secure, visit: http://www.bills.com/fha-secure/

Justin has 5 years of experience as financial adviser; his key areas are consolidation, insurance, debt relief, mortgages etc. For more free articles and advice visit http://www.Bills.com.

Article Source:http://www.articlesbase.com/mortgage-articles/fha-secure-program-avoid-foreclosure-1017696.html

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Analyzing the FHA mortgage applicants Credit history

Analyzing the FHA mortgage applicants Credit history.

FHA Mortgage Qualifying Florida, FHA qualifying is easy……

Qualifying for an FHA Mortgage is easy with FHA

Remortgage Home – Right Time To Remortgage Home?

FHA Secure Program – Avoid Foreclosure

FHA Secure Eligibility

How to Apply for the Program

Additional Loan Factors

Benefits of the Program

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Reduce Your Mortgage Online

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Analyzing the FHA mortgage applicants Credit history

Analyzing the FHA mortgage applicants Credit history.

FHA Mortgage Qualifying Florida, FHA qualifying is easy……

Qualifying for an FHA Mortgage is easy with FHA

Remortgage Home – Right Time To Remortgage Home?

FHA Secure Program – Avoid Foreclosure

FHA Secure Eligibility

How to Apply for the Program

Additional Loan Factors

Benefits of the Program

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