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News Article Archive

Date Article
May 25 2017 The New Threat Hiding in Swimming Pools: Is It in Yours?
May 23 2017 Calling All Kids! Home Projects for the Family
May 23 2017 Renters: Are You Ready to Buy a Home?
May 19 2017 Suburb vs. City: Where Is It Cheaper to Live?
May 18 2017 Picking a Moving Company: How Do Your Choices Stack Up?
May 16 2017 How Much Rent Can You Afford?
May 12 2017 Earnest Money Deposit vs. Down Payment: What's the Difference?
May 10 2017 How to Turn Your Front Yard into a Garden
May 8 2017 4 Tips for Buying a Fixer-Upper
May 4 2017 What Is a Home Warranty, and Do You Need One?
May 3 2017 What to Expect When You Purchase a Foreclosed Property
May 3 2017 6 Home Appraisal Myths You Need to Stop Believing Immediately
May 1 2017 10 Questions for Mortgage Lenders
Apr 21 2017 10 Spring Cleaning Projects to Tackle This Weekend
Apr 17 2017 Peak Season Pros and Cons
Apr 12 2017 How Healthy is Your Condo Board? How to Conduct a Thorough Checkup
Mar 1 2017 Lessons from HAMP are shaping the future of loss mitigation
Feb 15 2017 Following rise in rates, refinance activity slows, at least for now
Feb 8 2017 What we can learn from the resilient Southeast housing market
Feb 1 2017 Housing market also a draw as Houston prepares for the Big Game
Jan 23 2017 New modification program offers simplicity and certainty
Jan 11 2017 Is it really better to list a home in the spring?
Dec 19 2016 Lenders an important source for homebuying, down payment advice
Dec 14 2016 Home prices rose this year in every state except these two
Dec 9 2016 These 7 affordable home staging tips can help you sell faster
Dec 2 2016 10 cities with things kids (and their families) like
Nov 9 2016 The real cost of famous New York TV apartments
Nov 7 2016 Homeowners can now tap into home equity to pay down student loan debt
Nov 7 2016 My View: Homeowners can now tap into home equity to pay down student loan debt
Oct 28 2016 Two World Series housing markets – one long-awaited trophy
Oct 26 2016 Kitchen remodeling fads come and go, but the need for financing holds steady
Oct 5 2016 Professor behind well-known Case-Shiller Housing Index remembered
Sep 28 2016 Passion for helping Hispanic customers spurs Alterra’s meteoric growth
Sep 26 2016 5 cities where working class families can still find affordable homes
Sep 23 2016 Can higher education help boost homeownership?
Sep 21 2016 Cultural sensitivity, education key to success in Native American lending
Sep 19 2016 A Louisiana builder shares why homes in his area are in short supply
Sep 16 2016 5 tips from a Japanese micro home expert to make your home feel more spacious
Sep 14 2016 Two Charts That Show the Realities Facing Homeowners and Renters
Sep 12 2016 Will 2016 Be the Housing Market’s Best Summer Ever?
Sep 9 2016 My View: 3 Lifestyle Hacks to Help You Start Saving for a Down Payment
Sep 7 2016 A Housing Economist Shares What He Expects For the Rest of 2016
Sep 2 2016 Making an Affordable Mortgage Product Easier to Use, Available to More Homebuyers
Aug 31 2016 New Orleans Rental Market Facing Some Troubled Economic Waters
Aug 29 2016 Lenders Look to Tech Innovation to Drive Down Costs, Increase Efficiency
Aug 26 2016 Home Equity Levels Bounce Back in America’s Largest Cities
Aug 24 2016 Helping Millennial and Minority Buyers Overcome Barriers to Homeownership
Aug 22 2016 Can Playing Pokémon Go Boost Your Business?
Aug 19 2016 You Can Thank the Labor Market for the Major Drop in Foreclosures
Aug 17 2016 How Radius Financial Group Is Building a Millennial Workforce
Aug 15 2016 Are First-time Homebuyers Snubbing ‘Starter Homes’ in Favor of Forever Homes?
Aug 12 2016 Mortgage Affordability Metrics: A Brief Guide to an Important Equation
Aug 10 2016 Why Mortgage Programs Are Starting to Meet the Needs of Shared Households
Aug 8 2016 How Airbnb Can Affect Everything from Home Building to Mortgages
Aug 5 2016 Even in the Best of Times for Apartment Rentals, There Can Be Too Much in the Pipeline
Aug 3 2016 Student Debt Isn’t the Roadblock to Homeownership Many Believe
Aug 1 2016 Non-Traditional Financing Expands Access in New Markets
Jul 29 2016 Brexit Tests Investors’ Nerves, But Also Prompts New Refinancing Demand
Jul 27 2016 5 Fintech Firms Hoping to Impact the Mortgage Industry in Big Ways
Jul 25 2016 What Lenders Should Know About Americans’ Appetite for Remodeling Homes
Jul 22 2016 Cash-only Home Sales Declining But Still One-Third of Transactions
Jul 20 2016 5 Best Cities for Retirement Living May Not Be Where You’d Expect
Jul 18 2016 Why Affordability and Credit Access Both Matter in This Housing Market
Jul 15 2016 What You Should Know about Homebuyer-Prep Courses (Even if You’re a Repeat Buyer)
Jul 13 2016 15 ‘Hottest’ Home Sales Markets Aren’t Where You’d Expect
Jul 11 2016 Why Single Ladies Are Buying a Place of Their Own
Jul 8 2016 Is This the Summer to Buy That Dream Beach House?
Jul 6 2016 How Will the Brexit Impact the US Mortgage Market?
Jul 6 2016 How Will the Brexit Impact the U.S. Mortgage Market?
Jul 1 2016 TRID Garners Mixed Reviews from Lenders, Borrowers
Jun 29 2016 A New Approach to Senior Living at Historic Hotel Oakland
Jun 27 2016 Freedom Flyer: The Story Behind the Bald Eagle Symbol
Jun 24 2016 3 Surprising Things Learned From the Spring Housing Market
Jun 22 2016 Rising Costs to Originate Spur Innovation
Jun 20 2016 Is Gen X Housing’s Lost Generation?
Jun 17 2016 China’s Real Estate Market: Carefully Managing a Revival
Jun 15 2016 Regina Lowrie: A Leading Force for Gender Equality In Mortgage Banking
Jun 13 2016 Fannie Mae Index Reveals Consumers’ Homebuying Sentiment, Helps Forecast Housing Markets
Jun 10 2016 First-Time Buyer – First of Six Siblings to Buy – Chooses HomePath
Jun 8 2016 Should Downsizing Retirees Rent or Own Their New Home?
Jun 6 2016 Rising Home Sales Prices Are Squeezing Affordability
Jun 3 2016 Managing Cybersecurity Is a Risk Management Function
Jun 1 2016 4 Things Renters Should Know About Renters Insurance
May 25 2016 Two Marines Moving: How Veterans Are Helping Homeowners
May 24 2016 MBA Chief Economist on Rising Costs, Interest Rate Hikes
May 23 2016 Young Adults Turning to Mom and Dad for Down Payment Help
May 20 2016 8 Home Inspection Fails That May Require a Specialist
May 18 2016 Home Flipping Is on the Rise
May 16 2016 Baby Boomers Seem to Be Staying in Place
May 13 2016 5 Don’t-Miss Opportunities at the 2016 MBA Secondary Conference in NYC
May 11 2016 Movement Mortgage Aims to Do Good While Doing Well
May 9 2016 10 Stats on How Millennials Think About Personal Finance
May 6 2016 Put a Bit of the Great Outdoors Over Your Head With a Green Roof
May 4 2016 How Municipalities Can Curtail the Wait for Permits
May 2 2016 Consider Telling Your Customers ‘You Better Shop Around’
Apr 29 2016 5 Trees That Will Make Every Day Arbor Day At Your Home
Apr 28 2016 Gain ‘Confidence, Control, and Command’ Over Your Finances: An Interview With Suze Orman
Apr 25 2016 What is the Annual Percentage Rate and Why Is It So Important?
Apr 22 2016 Protecting Your Home From Natural Disasters
Apr 20 2016 Being ‘Net Zero’ on Earth Day 2016
Apr 18 2016 6 Credit Report ‘Red Flags’ That Could Be Hurting You
Apr 15 2016 Mortgage Myth or Fact: Can You Tell the Difference?
Apr 13 2016 Buying a Home? Get Ready for the Fees You Will See
Apr 11 2016 Homeownership and Taxes — A Q&A With Tax Attorney Bruce Edwards
Apr 8 2016 The Power of Credit: An Animated Tale
Apr 6 2016 The Road to Homeownership: An Animated Journey
Apr 4 2016 When Life Threw This Former Houston Astro a Curve, He Came Back Swinging
Apr 1 2016 HomeReady Mortgage: The Right Blend for This Midwestern Millennial
Mar 30 2016 How Weather Affects Home Buying and Selling
Mar 28 2016 The Pros and Cons of Cash-Out Refinances
Mar 25 2016 Trended Data Gives Lenders an Expanded View of Credit History
Mar 23 2016 Brokers Group Promoting Homeownership Among African-Americans
Mar 21 2016 5 Keywords for Selling Your Home This Spring
Mar 18 2016 Top 5 Housing Markets Attracting Millennials
Mar 16 2016 Vacancy Rates Are ‘High’ and Favorable for Some Southern Markets
Mar 14 2016 Will the Falling Price of Oil Hit Housing Markets Hard?
Mar 11 2016 The Mistakes Renters and Buyers Make That Could Cost Them Big
Mar 9 2016 How Intuition and Caring for Foster Children Led to a Transformative Mortgage Product
Mar 7 2016 How Starbucks and Trader Joe’s Are Drawing in Homebuyers
Mar 4 2016 The 3 Big Questions From Homebuyers
Mar 2 2016 A Tale of Two Cities: Baltimore’s Recovering Housing Market
Feb 29 2016 Will 2016 Be the Year of the First-Time Homebuyer?
Feb 26 2016 Looking for Mortgage Advice? Use #MyHomeChat to Ask the Experts via Twitter on March 3
Feb 24 2016 Day in the Life of a Real Estate Agent: A Peek Behind the Fannie Mae REO Sales Process
Feb 22 2016 7 Questions Real Estate Agents Should Ask Their Clients
Feb 19 2016 Is Now a Good Time to Refinance a Mortgage?
Feb 17 2016 It’s Nearly Springtime for Home Builders
Feb 15 2016 Multigenerational Households Are on the Rise. Is the Housing Industry Reacting Fast Enough?
Feb 12 2016 How Real Estate Pros Make Their Customers Feel the Love
Feb 10 2016 Where Do Ideas for Mortgage Apps Come From? A Look Inside Fannie Mae’s InLab
Feb 8 2016 The Mortgage Process Befuddles Many, Creating an Opportunity for Lenders
Feb 5 2016 To Own or To Rent in Overvalued Markets?
Feb 3 2016 10 Residential Design Trends We’re Likely to See in 2016
Feb 1 2016 Lenders and Borrowers Differ on Priorities for Use of Mobile Technology
Jan 29 2016 Answering the Call From Today’s Homebuyers
Jan 27 2016 Going Global: The Impact of International Home Sales on Real Estate Markets
Jan 25 2016 Top 10 U.S. Housing Markets to Watch in 2016
Jan 22 2016 The Business Case for Why Lenders Are Embracing Diversity
Jan 20 2016 Are Millennials Shunning Homeownership?
Jan 15 2016 Fannie Mae Announces HARP Milestone, Program Has Helped Millions
Jan 13 2016 What You Need to Know About MLK’s Fair Housing Legacy
Jan 11 2016 A Deal to Help Make New York Affordable for Renters
Jan 8 2016 Innovative Mortgage Product From Fannie Mae Helps More Borrowers Qualify
Jan 6 2016 What Consumers (Don’t) Know About Mortgage Qualification Criteria
Jan 4 2016 Shopping for a Home Loan? There’s an App for That
Dec 30 2015 The Gradual Millennial Migration Into Homeownership
Dec 28 2015 Is Now the Right Time to Buy a Home?
Dec 23 2015 Solving the World’s Affordable Housing Challenge
Dec 21 2015 Are Housing ‘Pros’ Too Old for Millennial Buyers?
Dec 18 2015 As Home Automation Grows, ‘Star Wars’ Becomes Reality
Dec 16 2015 Today’s Home Is Becoming a ‘Smart’ Machine: An Interview With Lorenzo Apicella
Dec 14 2015 Can a Smart Home Be Too Smart?
Dec 11 2015 5 Innovations That Are Making It Easier to Buy a Home
Dec 9 2015 The Smart Homes of the Future, Today
Dec 7 2015 What Makes Raleigh a Hip and Affordable Place to Be?
Dec 4 2015 Top 7 Affordable Music Cities
Dec 2 2015 New Monthly Index Is All About Housing
Nov 30 2015 Sale Price vs. Appraised (or Market) Value
Nov 23 2015 Bringing Affordable Housing To Native Americans
Nov 20 2015 Finally, I am a Homeowner!
Nov 18 2015 FHFA Expands Its Neighborhood Stabilization Initiative to More Areas
Nov 16 2015 Ready or Not, It’s Time: Walk-Through and Paperwork Delays
Nov 13 2015 3 Percent Down Loans ‘Safe, Sound’ and Promoting Homeownership
Nov 11 2015 Making Housing More Accessible for Many of America’s Returning Vets
Nov 9 2015 The Many Stages of Homebuying Anxiety
Nov 6 2015 6 Affordable and Fun Cities for Outdoorsy Retirees
Nov 5 2015 TBT: How I Saved for My Down Payment
Nov 4 2015 Lawn Care Tips From the Pros for Winter and Fall
Nov 2 2015 Household Mold Can Be More Costly Than You Think
Oct 30 2015 5 Towns with Frightfully Delightful Halloween Traditions
Oct 28 2015 The Neighborhood Haunt Next Door: Living Near Graveyards
Oct 27 2015 The World Series of Housing: Mets and Royals
Oct 27 2015 The World Series of Housing: Queens and Royals
Oct 26 2015 The App I Wish I’d Had A Year Ago: HOME By Fannie Mae
Oct 23 2015 Buying Homes On Their Own Terms
Oct 21 2015 Why Settle for So-So When You Can Build-to-Suit?
Oct 19 2015 The Joys of RV Living
Oct 16 2015 The Fees You Will See
Oct 14 2015 Living in a Home with History
Oct 12 2015 How I Chose My Lender
Oct 9 2015 Your Home Options Checklist
Oct 7 2015 Housing Our Heroes: A Montana Shelter Helps Veterans Become Homeowners
Oct 5 2015 Getting Tips From a Real-Life Professional
Oct 2 2015 Which Documents Will You Need When Applying for a Loan?
Sep 30 2015 Preapproved vs. Prequalified: Which One Is Better for You?
Sep 28 2015 City Living and the Housing Finance Agency
Sep 25 2015 The Art of Finding an Affordable Place to Live
Sep 23 2015 Living in a Tree House: Not Just Child’s Play
Sep 21 2015 Road to Homeownership: Realizing I Wanted To Own a Home, Someday
Sep 18 2015 4 Home Hazards for Babies and Small Children
Sep 16 2015 Livin’ It up on a Liveaboard
Sep 14 2015 Shop Smarter, Eat Better: An Interview with Chef Fabio Viviani
Sep 11 2015 8 Steps to Making Your Home Safe for Pets
Sep 9 2015 How Greg Louganis Bounced Back From Near Foreclosure
Sep 4 2015 5 Smart Ways to Protect Your Home’s Privacy
Sep 2 2015 Grill Like Myron Mixon and Style Like Christopher Lowell at Your Labor Day BBQ
Aug 31 2015 3 Buying Tips for Surviving a Hot Summer Home Sales Market
Aug 28 2015 5 Cool Garage Ideas to Liven Up Your Home
Aug 26 2015 Is Your Home Disaster-Proof?
Aug 24 2015 Aging in Place: How to Stay Safe and Comfortable in Your Own Home
Aug 21 2015 The Do’s and Don’ts of Dealing with Loud Neighbors
Aug 19 2015 7 Tips for Inspecting Your New Rental
Aug 17 2015 4 Tips for Last-Minute Movers
Aug 14 2015 3 Common Misconceptions About Flood Insurance
Aug 12 2015 4 Things to Know About Subletting
Aug 10 2015 Looking for a Career Refresh? Real Estate Is Trending
Aug 7 2015 Dog Breeds That Make Great Companions for Senior Citizens
Aug 5 2015 5 Affordable Tips to Boost Curb Appeal
Aug 3 2015 Urban Farms Turn Food Deserts Into Green Spaces
Jul 31 2015 Putting Lousy Service Providers in the Penalty Box: An Interview with Angie Hicks
Jul 29 2015 6 Ways to Decorate Your Home Like a Pro (on a Budget)
Jul 27 2015 Virtual Connections That Help Build Real Community Bonds
Jul 24 2015 Top 5 Housing Markets for First-Time Buyers
Jul 22 2015 The 9 Creepiest Bugs of the Summer
Jul 20 2015 Houses That Rock
Jul 17 2015 Living in Your Home Renovation Project
Jul 15 2015 5 Apps to Help You Buy a Home
Jul 13 2015 Top 10 Most Affordable Cities for Sports Nuts
Jul 10 2015 What’s the Difference Between Renters and Homeowners Insurance?
Jul 8 2015 My Home Story: Her Persistence Helped Her Land a Mortgage
Feb 13 2015 How I Fell in Love With My Home — A Love Story in West Virginia
Dec 29 2014 Seasons Greetings!
Dec 23 2014 Low Down Payment Mortgage Options & Assistance
Dec 23 2014 Low Down Payment Mortgage Options & Assistance FAQ
Nov 17 2014 6 Clues That ‘Free’ Holiday Trip is a Scam
Nov 10 2014 Helpful Sites for Struggling Renters, Homeowners
Nov 3 2014 Mortgage Assistance in Michigan (Even for Reverse Mortgages)
Oct 27 2014 Reminder: Some Modified Mortgage Loans Will ‘Reset’
Oct 20 2014 10 Tips for Hiring the Right Mover
Oct 13 2014 Two Years Later…A Sandy Update
Oct 6 2014 Rent or Buy: Factors in the ‘Big Decision’
Sep 29 2014 Does Fannie Mae Own My Loan?
Sep 22 2014 Fall House Hunting Tips
Sep 15 2014 Green Housing Trends
Sep 8 2014 What Bank Overdrafts Really Cost You
Sep 2 2014 Could a Short Sale be Right for You?
Aug 25 2014 Kitchen Remodeling on a Budget
Aug 18 2014 Closing on the Sale of Your Home
Aug 11 2014 Update on California’s Mortgage Assistance Programs
Aug 4 2014 Saving Our Ohio Home from Foreclosure
Jul 28 2014 Rebuilding Credit to Buy My First Home
Jul 21 2014 A Tiny Home, Larger Living
Jul 14 2014 Understanding Renters Insurance
Jul 7 2014 Start Saving Today With HARP
Jun 30 2014 ‘Staycation’ Tips
Jun 23 2014 Already in Foreclosure?
Jun 16 2014 Invest in Curb Appeal
Jun 9 2014 Explore Your ‘Options’
Jun 2 2014 Reverse Mortgage Scams
May 27 2014 Responsible Homeownership
May 19 2014 Student Loans 101
May 12 2014 Got Questions?
May 5 2014 Pets & Home Values
Apr 28 2014 Selling Your Home
Apr 21 2014 Keep Your Credit Guard Up
Apr 14 2014 Why We Chose 'Mortgage Release'
Apr 7 2014 What’s a Housing Counselor?
Mar 31 2014 Fannie Mae Reports Results, Progress in 2013
Mar 24 2014 Modification Program Update
Mar 17 2014 Spring Cleaning and Contractors
Mar 10 2014 ‘First Look’ Longer
Mar 3 2014 Important Modification Reminder!
Feb 24 2014 ELMORE Success in Florida
Feb 17 2014 Attorney-Guise Mod Fraud
Feb 10 2014 Check Out Our Fresh Face
Feb 3 2014 Can HARP Help Me? (It’s Worth Finding Out!)
Jan 27 2014 Military Options
Jan 20 2014 ‘Mid Mod’ Transfer…Now What?
Jan 13 2014 Why It Really is 'Location Location'
Jan 6 2014 How’s Your Financial Literacy?
Dec 23 2013 Seasons Greetings!
Dec 16 2013 What’s a Foreclosure?
Dec 10 2013 Fannie Mae In Your Community
Dec 2 2013 Be Alert for Winter Pests
Nov 25 2013 Budgeting for the Holidays
Nov 25 2013 Fannie Mae Announces Eviction Moratorium for the Holidays
Nov 12 2013 Help for Florida’s Reverse Mortgage Borrowers
Nov 11 2013 What’s a Mortgage Repayment Plan?
Nov 4 2013 Home Inspection Essentials
Oct 28 2013 Introducing HARP.gov
Oct 21 2013 Tips for First-Time Renters
Oct 14 2013 Beware of Spam Texts
Oct 7 2013 How ‘Mortgage Release’ Works
Sep 30 2013 5 Home Buying Tips
Sep 23 2013 Raising Financially Responsible Kids
Sep 16 2013 Navigating the Short Sale Process
Sep 9 2013 5 Signs You're Abusing Credit Cards
Sep 3 2013 Confused About Reverse Mortgages?
Aug 26 2013 Why HARP Refinancing (Still) Makes Sense
Aug 19 2013 As We Celebrate One Year!
Aug 12 2013 Back-to-School Budgeting
Aug 5 2013 Introducing Streamlined Modification
Jul 29 2013 Summer Gardening Tips
Jul 22 2013 Assistance for Atlanta Homeowners
Jul 16 2013 Eye of the Buyer
Jul 8 2013 Rise of the Zombie Foreclosures
Jul 1 2013 Answers on Short Sales
Jun 24 2013 Household Mold: Icky and Costly
Jun 17 2013 Rent or Buy—What’s Right for You?
Jun 10 2013 Can a Charge Card Affect Your Mortgage?
Jun 3 2013 Americans Optimistic on Home Prices, Selling
May 30 2013 HAMP Extended Through 2015
May 28 2013 Budgeting for Summer Activities
May 21 2013 Help for Oklahoma Homeowners
May 20 2013 Short Sale Fraud
May 13 2013 Six Months After Sandy—Thank you, Fannie Mae
May 13 2013 Six Months After Sandy—Thank you, Fannie Mae
May 6 2013 HARP Extended Until 2015
Apr 29 2013 Cut Summer Energy Costs
Apr 22 2013 How Much Could HARP Save You?
Apr 15 2013 Responsibilities With a Reverse Mortgage
Apr 8 2013 Leaving Your Home and Avoiding Foreclosure
Apr 1 2013 Stage Your Home for a Faster Sale
Mar 25 2013 Neighborhood Stabilization Program
Mar 18 2013 Mobile (In) Security
Mar 11 2013 Credit Coaching = Modification Success
Mar 4 2013 Mortgage Release: Three Exit Options
Feb 25 2013 Mortgage Help Centers: That Was Easy
Feb 18 2013 Renter Protection during Foreclosure
Feb 11 2013 You Don't Know HARP
Feb 4 2013 FAFSA Season Opens
Jan 28 2013 Tips for Homebuyers
Jan 21 2013 Answers on Trial Period Plans
Jan 14 2013 Mortgages and Identity Theft
Jan 7 2013 Is a HomePath Property Right for You?
Dec 31 2012 Three New Year’s Resolutions to Improve Your Finances in 2013
Dec 23 2012 Seasons Greetings!
Dec 17 2012 Beware of Rental Scams
Dec 12 2012 Leaving Money on the Table?
Dec 10 2012 HARP 2.0/Principal Curtailment Program in Nevada
Dec 4 2012 December 15 Long Island Relief Event
Dec 3 2012 Warn Aging Parents about Scams
Nov 26 2012 College Kids and Credit
Nov 16 2012 Scammers Already Preying on NY/NJ Homeowners
Nov 12 2012 Short Sales Provide Foreclosure Alternative
Nov 8 2012 Philly Center Reopens, Ready to Help
Nov 5 2012 Protect Yourself from Modification Scams
Oct 31 2012 Mortgage Relief for Fannie Mae Homeowners Affected by Hurricane Sandy
Oct 29 2012 Time to Winterize
Oct 22 2012 What are the Consequences of a Foreclosure?
Oct 15 2012 Help for Military Homeowners
Oct 8 2012 Fund to Help Struggling Homeowners, California Update
Oct 1 2012 Is Bad Information Affecting Your Credit?
Sep 21 2012 Explore Our Newest Options
Aug 24 2012 Fannie Mae Opens Mortgage Help Center Expansion in Inland Empire, California
Aug 24 2012 Scores of Help the Homeless Community Walks to Occur Across Washington

Beware of Scams

Learn how to identify and avoid scam artists who promise immediate relief from foreclosure.
 

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Glossary

Visit our glossary of key terms to increase your understanding of the foreclosure options available.
 

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