Lindsay VanSomeren - Forbes Advisor
If you’re in the market to buy a house soon, you might have come across the terms conforming and non-conforming loans. It’s just one extra layer that adds to the confusion of buying a house, but knowing the difference can help you target the right kind of loan for your situation. And that can actually help you get the house you want, or even help you save money.
k9amz6J s:776C6?46Di r@?7@C>:?8 GD] }@?\4@?7@C>:?8 {@2?Dk^9am
kAm%96C6 2C6 5:776C6?E 4=2DD:7:42E:@?D @7 =@2?D J@F 42? FD6 E@ 3FJ 2 9@>6[ 2?5 4@?7@C>:?8 2?5 ?@?\4@?7@C>:?8 =@2?D 2C6 @7 E96 >@DE 4@>>@?] p 4@?7@C>:?8 =@2? >66ED E96 8F:56=:?6D E@ 36 D@=5 E@ 6:E96C k2 9C67lQ9EEADi^^HHH]7@C36D]4@>^25G:D@C^:?G6DE:?8^72??:6\>26\2?5\7C655:6\>24^nFE>0D@FC46lDJ?5U2>AjFE>0>65:F>lCDDU2>AjFE>042>A2:8?l=66Q C6=lQ?@7@==@HQmu2??:6 |26 @C uC655:6 |24k^2m[ EH@ @7 E96 =2C86DE >@CE8286 3FJ6CD :? E96 &]$] }@?\4@?7@C>:?8 =@2?D[ @? E96 @E96C 92?5[ 2C6 E9@D6 E92E 72== @FED:56 E9@D6 8F:56=:?6D[ D@ E96J 42?’E 36 D@=5 E@ u2??:6 |26 @C uC655:6 |24]k^Am
People are also reading…
- 12-year-old arrested in death of classmate who was hit in the head by a metal water bottle
- Iowa State AD Jamie Pollard addresses women's basketball transfers, Bill Fennelly's future
- What Iowa State's Milan Momcilovic said about future after Tennessee game
- What Iowa State star Addy Brown said in transfer portal announcement
- A year after Trump's DOGE cuts, workers whose lives were upended question what was saved
- Report: Iowa State fan-favorite Cade Kelderman enters transfer portal
- ‘Stay Low, Shoot High’: How Taylor McCabe trusted the process, transformed herself into the player Iowa needed
- Freshman Freya Jensen changes mind on transfer portal, returning to Iowa State
- Yes, the pros get nervous, too. Here's how Stephen Curry and others deal with it
- Concerns over a Nebraska hospital show how a $50B rural health fund falls short
- What Audi Crooks entering portal means for Iowa State, Bill Fennelly
- ICE arrested over 800 people after tips from US airport security agency
- Spring Football Notebook: Is Kirk Ferentz concerned about Iowa’s special teams after offseason exodus?
- What to Stream: Sydney Sweeney, 'Malcolm in the Middle,' Jonah Hill, 'Hacks' and Ella Langley
- 3 Burning Questions for Iowa men’s basketball: Can Hawkeyes maintain Elite 8 momentum?
kAmp== >@CE8286D 72== F?56C @?6 @7 E96D6 EH@ F>3C6==2D—E96J’C6 6:E96C 4@?7@C>:?8 E@ u2??:6 2?5 uC655:6 8F:56=:?6D[ @C E96J’C6 ?@E] %96 5:776C6?46D 36EH66? E96D6 EH@ =625 E@ D@>6 :?E6C6DE:?8 27E6C\67764ED E92E :>A24E J@F—E96 3FJ6C]k^Am
kAmr@?7@C>:?8 =@2?Dk^Am
kAm}@?\4@?7@C>:?8 =@2?Dk^Am
kAm{@2?D >2J 36 D@=5 E@ u2??:6 |26 @C uC655:6 |24k^Am
kAm{@2?D >2J 36 96=5 3J =6?56C[ @C D@=5 E@ 2?@E96C =6?56Ck^Am
kAm|@C6 =:<6=J E@ 36 4962A6Ck^Am
kAm|@C6 =:<6=J E@ 36 6IA6?D:G6k^Am
kAm|@C6 4@>>@?k^Am
kAm{6DD 4@>>@?k^Am
kAm{:>:E65 E@ Sdcg[ad_ :? >@DE 2C62D W2?5 FA E@ Sgaa[bfd :? D@>6 9:89\4@DE\@7\=:G:?8 2C62DXk^Am
kAm!@E6?E:2==J ?@ =:>:ED @? =@2? D:K6k^Am
k9am(92E xD 2 r@?7@C>:?8 {@2?nk^9am
kAmp 4@?7@C>:?8 =@2? 86ED :ED ?2>6 3642FD6 :E 4@?7@C>D E@ u2??:6 |26 2?5 uC655:6 |24 8F:56=:?6D] %96D6 EH@ 3FD:?6DD6D H6C6 4C62E65 3J r@?8C6DD :? `hbg 2?5 `hf_[ C6DA64E:G6=J[ H:E9 2 DA64:7:4 ;@3i E@ 3FJ >@CE8286D E92E @E96C =6?56CD[ =:<6 J@FC ?6:893@C9@@5 32?<[ 8:G6 @FE] %9:D 7C66D FA J@FC =6?56C’D 42D9 D@ E96J 42? >2<6 >@C6 =@2?D[ 2?5 E9FD E96 AC@46DD 4@?E:?F6D D@ >@C6 A6@A=6 42? 277@C5 E@ 3FJ 9@>6D]k^Am
kAm%96 >:DD:@? @7 u2??:6 |26 2?5 uC655:6 |24 C6DF=ED :? E96> 3FJ:?8 E96 >2;@C:EJ @7 E96 >@CE8286D 32?<D 8:G6 @FE] qFE :? @C56C E@ 2446AE E96>[ E96J 42?’E 36 2== H:==J\?:==Jj E96J 92G6 E@ 36 DE2?52C5:K65 2?5 >256 F?56C 46CE2:? 8F:56=:?6D] %92E’D H96C6 E96 4@?7@C>:?8 A2CE 4@>6D :?[ 2?5 H9J E96C6 2C6 D@ >2?J F?56CHC:E:?8 CF=6D H:E9 E96D6 =@2?Di :E’D E@ DE2?52C5:K6 E96 =@2?D D@ E92E u2??:6 |26 2?5 uC655:6 |24 42? 3FJ E96>]k^Am
k9bmr@?7@C>:?8 {@2? #6BF:C6>6?EDk^9bm
kAm*@F’== 86?6C2==J ?665 E@ >66E E96D6 C6BF:C6>6?ED :? @C56C E@ 86E 2 4@?7@C>:?8 =@2?ik^Am
kF=mk=:mkDEC@?8m|:?:>F> 4C65:E D4@C6ik^DEC@?8m ea_k^=:mk=:mkDEC@?8m|2I:>F> =@2? =:>:EDik^DEC@?8m Sdcg[ad_ :? >@DE 2C62D[ 3FE >2J 36 9:896C :? D@>6 9:89 4@DE\@7\=:G:?8 2C62D WC6G:6H k2 9C67lQ9EEADi^^HHH]7972]8@G^s2E2%@@=D^s@H?=@25D^!286D^r@?7@C>:?8\{@2?\{:>:ED]2DAIQmJ@FC 4@F?EJ’D =:>:EDk^2mXk^=:mk=:mkDEC@?8m|2I:>F> k2 9C67lQ9EEADi^^HHH]7@C36D]4@>^25G:D@C^>@CE8286D^H92E\:D\>J\563E\E@\:?4@>6\C2E:@^nFE>0D@FC46lDJ?5U2>AjFE>0>65:F>lCDDU2>AjFE>042>A2:8?l=66Q C6=lQ?@7@==@HQm563E\E@\:?4@>6 C2E:@k^2mik^DEC@?8m cbTk^=:mk=:mkDEC@?8m|:?:>F> 5@H? A2J>6?E C6BF:C65ik^DEC@?8m pE =62DE bT W2=E9@F89 J@F >2J 92G6 E@ A2J 7@C k2 9C67lQ9EEADi^^HHH]7@C36D]4@>^25G:D@C^>@CE8286D^A>:\c\E9:?8D\J@F\D9@F=5\<?@H\23@FE\AC:G2E6\>@CE8286\:?DFC2?46^nFE>0D@FC46lDJ?5U2>AjFE>0>65:F>lCDDU2>AjFE>042>A2:8?l=66Q C6=lQ?@7@==@HQmAC:G2E6 >@CE8286 :?DFC2?46k^2m :7 J@F’C6 AFEE:?8 =6DD E92? a_T 5@H?Xk^=:mk^F=m
k9bmr@?7@C>:?8 {@2? q6?67:EDk^9bm
kAm$:?46 =6?56CD 42? @77=@25 E96 >@CE8286 E96J ;FDE 82G6 E@ J@F W2?5 E96 C:D< @7 5672F=E H:E9 :EX 3J D6==:?8 :E E@ u2??:6 |26 2?5 uC655:6 |24[ E96J @7E6? 4@>6 H:E9 =@H6C :?E6C6DE C2E6D] %9:D :D @?6 @7 E96 3:886DE C62D@?D E@ 49@@D6 2 4@?7@C>:?8 =@2?i E96J’C6 >@C6 =:<6=J E@ 36 4962A6C]k^Am
kAm%96C6 2C6 2 76H D>2==6C A6C<D 2D H6==] $:?46 E96 AC@46DD :D D@ DE2?52C5:K65[ :E 2=D@ >62?D J@F’C6 =6DD =:<6=J E@ 92G6 2?J 4FCG6 32==D E9C@H? J@FC H2J[ DF49 2D H6:C5 =6?56C C6BF:C6>6?ED] p?5 D:?46 u2??:6 |26 2?5 uC655:6 |24 @H? DF49 2 =2C86 2>@F?E @7 >@CE8286D 2?5 :E 72==D =@@D6=J F?56C E96 AFCG:6H @7 E96 8@G6C?>6?E[ J@F 4@F=5 86E D@>6 255:E:@?2= 7656C2= AC@E64E:@?D E@@]k^Am
kAmu@C 6I2>A=6[ 5FC:?8 E96 r@G:5 A2?56>:4[ E96C6 H2D 2 k2 9C67lQ9EEADi^^HHH]7972]8@G^|65:2^!F3=:4p772:CD^!286D^uwup\tIE6?5D\u@C64=@DFC6\2?5\#t~\tG:4E:@?\|@C2E@C:F>D\`a_aa_a_]2DAIQm7656C2= >@C2E@C:F>k^2m A=2465 @? 7@C64=@DFC6D 7@C 9@>6D H:E9 4@?7@C>:?8 >@CE8286D] x7 J@FCD H2D?’E 2 4@?7@C>:?8 =@2? 2?5 H2D?’E 4@G6C65 F?56C @E96C k2 9C67lQ9EEADi^^HHH]7@C36D]4@>^25G:D@C^A6CD@?2=\7:?2?46^6G:4E:@?\2?5\7@C64=@DFC6\>@C2E@C:F>\@?\7656C2==J\324<65\>@CE8286D\6IE6?565\E9C@F89\;2?F2CJ\a_a`^nFE>0D@FC46lDJ?5U2>AjFE>0>65:F>lCDDU2>AjFE>042>A2:8?l=66Q C6=lQ?@7@==@HQm7656C2= 7@C64=@DFC6 >@C2E@C:F> AC@8C2>Dk^2m WDF49 2D 7@C uwp =@2?DX[ J@F 4@F=5 36 2E C:D< @7 7@C64=@DFC6 5FC:?8 E9:D E:>6] x? E9:D 42D6[ J@FC =6?56C H@F=5 36 7C66 E@ 7@C64=@D6 @? J@FC 9@>6 :7 J@F 5@?’E A2J[ 6G6? :7 :E H2D?’E J@FC 72F=E]k^Am
k9bmr@?7@C>:?8 {@2? sC2H324<Dk^9bm
kAm|@DE A6@A=6 H:== 36 36DE D6CG65 3J 2 4@?7@C>:?8 =@2?[ 3FE E96C6 2C6 D@>6 42D6D H96C6 E9:D :D?’E ECF6[ H9:49 H6 H:== 4@G6C :? E96 7@==@H:?8 D64E:@?D]k^Am
kAmkDA2? DEJ=6lQ7@?E\D:K6i a_AIjQmr@?7@C>:?8 {@2?D |2J }@E q6 t?@F89[ tDA64:2==J :? w:89\4@DE pC62Dk^DA2?mk^Am
kAmx7 J@F’C6 =@@<:?8 E@ 3FJ 2? 6IA6?D:G6 9@FD6[ J@F >:89E 7:?5 E92E J@F ?665 E@ 3@CC@H >@C6 >@?6J E92? 2 k2 9C67lQ9EEADi^^HHH]7@C36D]4@>^25G:D@C^>@CE8286D^4@?7@C>:?8\=@2?\=:>:ED^nFE>0D@FC46lDJ?5U2>AjFE>0>65:F>lCDDU2>AjFE>042>A2:8?l=66Q C6=lQ?@7@==@HQm4@?7@C>:?8 =@2? 42? @776Ck^2m] %96 >65:2? 9@>6 AC:46 :? E96 &]$] :D Sa`f[d__—H6== 36=@H E96 Sdcg[ad_ =@2? =:>:E E9C6D9@=5 :? >@DE @7 E96 4@F?ECJ] %9FD[ 7@C >@DE @7 E96 4@F?ECJ[ 2 4@?7@C>:?8 =@2? H:== FDF2==J 4@G6C 2== 3FE E96 72?4:6DE @7 9@FD6D]k^Am
kAmqFE 2D J@F >@G6 :?E@ 9:896C 4@DE\@7\=:G:?8 2C62D[ >@C6 9@>6D H:== 72== 23@G6 E9@D6 =:>:ED[ 6G6? 2D E96J’C6 25;FDE65 9:896C E@ 4@>A6?D2E6 7@C E9:D] u@C 6I2>A=6[ E96 >65:2? 9@>6 AC:46 :? $2? uC2?4:D4@ :D S`[_hf[g__—H6== 23@G6 E96 Sgaa[bfd 4@?7@C>:?8 =@2? =:>:E :? E9:D 2C62]k^Am
kAmkDA2? DEJ=6lQ7@?E\D:K6i a_AIjQm*@F |:89E q6 q6EE6C ~77 (:E9 2 v@G6C?>6?E\324<65 {@2?k^DA2?mk^Am
kAm%96C6 2C6 2 =@E @7 8@G6C?>6?E >@CE8286 AC@8C2>D E@ 96=A A6@A=6 277@C5 2 9@FD6 H9@ >:89E ?@E @E96CH:D6 36 23=6 E@] u@C 6I2>A=6[ k2 9C67lQ9EEADi^^HHH]7@C36D]4@>^25G:D@C^>@CE8286D^H92E\:D\2\G2\=@2?^nFE>0D@FC46lDJ?5U2>AjFE>0>65:F>lCDDU2>AjFE>042>A2:8?l=66Q C6=lQ?@7@==@HQm'p =@2?Dk^2m 96=A D6CG:46>6>36CD 2?5 G6E6C2?D 277@C5 9@>6D 2?5 k2 9C67lQ9EEADi^^HHH]7@C36D]4@>^25G:D@C^>@CE8286D^H92E\:D\2\FD52\=@2?^nFE>0D@FC46lDJ?5U2>AjFE>0>65:F>lCDDU2>AjFE>042>A2:8?l=66Q C6=lQ?@7@==@HQm&$sp =@2?Dk^2m 96=A =@H6C\:?4@>6 4@?DF>6CD =:G:?8 :? AC:>2C:=J CFC2= 2C62D 277@C5 9@>6D] p?5 k2 9C67lQ9EEADi^^HHH]7@C36D]4@>^25G:D@C^>@CE8286D^H92E\:D\2?\792\=@2?^nFE>0D@FC46lDJ?5U2>AjFE>0>65:F>lCDDU2>AjFE>042>A2:8?l=66Q C6=lQ?@7@==@HQmuwp =@2?Dk^2m 42? 36 G6CJ 36?67:4:2= :7 J@F 5@?’E 92G6 2D >F49 D2G:?8D[ @C :7 J@FC 4C65:E D4@C6 4@F=5 FD6 D@>6 H@C<]k^Am
kAmx? 2?J 42D6[ :7 J@F 49@@D6 2 4@?7@C>:?8 =@2?[ J@F H@?’E 36 23=6 E@ E2<6 25G2?E286 @7 E96D6 DA64:2= AC@8C2>D] ~? E96 7=:A D:56[ H9:=6 E96D6 DA64:2= =@2?D 42? 86E J@F :?E@ 2 9@>6 72DE6C[ E96J 42? 2=D@ 36 >@C6 6IA6?D:G6 D:?46 E96J FDF2==J 4@>6 H:E9 255:E:@?2= 766D]k^Am
k9am(92E xD 2 }@?\4@?7@C>:?8 {@2?nk^9am
kAmp ?@?\4@?7@C>:?8 =@2? :D D:>A=J 2?J >@CE8286 E92E 5@6D?’E 4@?7@C> E@ E96 C6BF:C6>6?ED D6E 7@CE9 3J u2??:6 |26 2?5 uC655:6 |24] }@?\4@?7@C>:?8 =@2?D 4@>>@?=J :?4=F56 k2 9C67lQ9EEADi^^HHH]7@C36D]4@>^25G:D@C^>@CE8286D^H92E\:D\2\;F>3@\>@CE8286\2?5\H9@\?665D\@?6^nFE>0D@FC46lDJ?5U2>AjFE>0>65:F>lCDDU2>AjFE>042>A2:8?l=66Q C6=lQ?@7@==@HQm;F>3@ =@2?Dk^2m WE9@D6 23@G6 u2??:6 |26 2?5 uC655:6 |24 =:>:EDX 2?5 8@G6C?>6?E\324<65 =@2?D =:<6 'p =@2?D[ uwp =@2?D @C &$sp =@2?D]k^Am
k9bm}@?\r@?7@C>:?8 {@2? #6BF:C6>6?EDk^9bm
kAmx7 J@F’C6 E2C86E:?8 2 ?@?\4@?7@C>:?8 =@2?[ E96 C6BF:C6>6?ED G2CJ 2 =@E >@C6 3J E96 k2 9C67lQ9EEADi^^HHH]7@C36D]4@>^25G:D@C^>@CE8286D^EJA6D\@7\>@CE8286D^nFE>0D@FC46lDJ?5U2>AjFE>0>65:F>lCDDU2>AjFE>042>A2:8?l=66Q C6=lQ?@7@==@HQmEJA6 @7 >@CE8286k^2m J@F’C6 2AA=J:?8 7@C[ 2?5 E96 =6?56C J@F’C6 2AA=J:?8 H:E9] %96 C6BF:C6>6?ED 7@C 2 'p =@2?[ 7@C 6I2>A=6[ >:89E 36 G6CJ 5:776C6?E E92? 7@C 2 ;F>3@ =@2?] qFE :? 86?6C2=[ 96C6’D 9@H E96J >:89E 4@>A2C6ik^Am
kF=mk=:mkDEC@?8m|:?:>F> 4C65:E D4@C6ik^DEC@?8m dg_k^=:mk=:mkDEC@?8m|2I:>F> =@2? =:>:EDik^DEC@?8m '2C:6D 3J AC@8C2> 2?5 =6?56Ck^=:mk=:mkDEC@?8m|2I:>F> 563E\E@\:?4@>6 C2E:@ik^DEC@?8m '2C:6D 3J AC@8C2> 2?5 =6?56Ck^=:mk=:mkDEC@?8m|:?:>F> 5@H? A2J>6?E C6BF:C65ik^DEC@?8m '2C:6D 3J AC@8C2> 2?5 =6?56C[ 3FE J@F >2J 36 >@C6 =:<6=J E@ 36 2AAC@G65 H:E9 2 5@H? A2J>6?E @7 2E =62DE a_T]k^=:mk^F=m
k9bm}@?\4@?7@C>:?8 {@2? q6?67:EDk^9bm
kAm%96 3:886DE 36?67:E @7 ?@?\4@?7@C>:?8 =@2?D :D E92E J@F 42? 277@C5 2 >@C6 6IA6?D:G6 9@>6[ :7 J@F’C6 8@:?8 7@C 2 ;F>3@ >@CE8286] }@?\4@?7@C>:?8 =@2?D 42? 2=D@ 36 92?5J :7 J@F’C6 =@@<:?8 7@C @?6 @7 E96 8@G6C?>6?E\324<65 =@2? AC@8C2>D[ :?4=F5:?8 'p =@2?D[ &$sp =@2?D @C uwp =@2?D]k^Am
kAmx7 6G6CJ@?6 H2D =:>:E65 E@ 2AA=J:?8 7@C ;FDE 4@?7@C>:?8 =@2?D[ H6 H@F=5?’E D66 2D >2?J A6@A=6 3FJ:?8 >@C6 6IA6?D:G6 9@FD6D—@C[ 4@?G6CD6=J[ =@H\:?4@>6[ CFC2= @C >:=:E2CJ 9@>6@H?6CD 6:E96C] }@?\4@?7@C>:?8 =@2?D 2C6 >@C6 2AA=:423=6 E@ A6@A=6 H9@ 72== @FED:56 @7 E96 4:G:=:2? >:55=6 4=2DD[ H96E96C E96J 36 =@H6C\:?4@>6[ 9:896C\:?4@>6 @C 2 >:=:E2CJ >6>36C]k^Am
k9bm}@?\4@?7@C>:?8 {@2? sC2H324<Dk^9bm
kAm$:?46 =6?56CD 42?’E D6== ?@?\4@?7@C>:?8 =@2?D E@ u2??:6 |26 @C uC655:6 |24 E@ 7C66 FA E96:C 42D9[ E96J’C6 2 3:E C:D<:6C 7@C E96 =6?56C] %9:D :D 6DA64:2==J ECF6 7@C ;F>3@ =@2?D[ H9:49 2C6?’E 324<65 3J 2?J 8@G6C?>6?E 8F2C2?E66D] x7 J@F 5672F=E @? 2 ;F>3@ =@2?[ :E’D 2 9F86 3=@H E@ E96 =6?56C]k^Am
kAm%9FD[ =6?56CD 86?6C2==J 492C86 9:896C :?E6C6DE C2E6D E@ 4@>A6?D2E6[ 2?5 E96J 42? 92G6 6G6? >@C6 C6BF:C6>6?ED] u@C 6I2>A=6[ =6?56CD H9@ 8:G6 @FE ;F>3@ =@2?D @7E6? C6BF:C6 E92E J@F >2<6 2 5@H? A2J>6?E @7 2E =62DE a_T 2?5 D9@H E92E J@F 92G6 2E =62DE D:I >@?E9D’ H@CE9 @7 42D9 :? C6D6CG6[ :7 ?@E >@C6]k^Am
k9amr@?7@C>:?8 GD] }@?\4@?7@C>:?8 {@2?i (9:49 :D q6DE 7@C |6nk^9am
kAmx7 J@F’C6 =@@<:?8 E@ 3FJ 2 C62D@?23=J\AC:465 9@FD6 2?5 5@?’E ?665 2?J @7 E96 DA64:2= 8@G6C?>6?E\324<65 >@CE8286 AC@8C2>D[ :E’D FDF2==J 36DE E@ 8@ H:E9 2 4@?7@C>:?8 =@2? 3642FD6 :E’D k2 9C67lQ9EEADi^^HHH]7@C36D]4@>^25G:D@C^>@CE8286D^36DE\>@CE8286\=6?56CD^nFE>0D@FC46lDJ?5U2>AjFE>0>65:F>lCDDU2>AjFE>042>A2:8?l=66Q C6=lQ?@7@==@HQm4962A6C @G6C2==k^2m] qFE :7 J@F’C6 =@@<:?8 E@ 3@CC@H 2 =@E @7 >@?6J[ @C :7 J@F C62==J 4@F=5 FD6 E9@D6 DA64:2= 8@G6C?>6?E\324<65 >@CE8286D[ 2 ?@?\4@?7@C>:?8 =@2? >2J 36 :? J@FC 7FEFC6]k^Am
k9bm|@C6 7C@> u@C36D p5G:D@Ck^9bm
kF=mk=:mk2 9C67lQ9EEADi^^HHH]7@C36D]4@>^25G:D@C^>@CE8286D^>@CE8286\:?E6C6DE\C2E6D\_`\`c\a_a`^nFE>0D@FC46lDJ?5U2>AjFE>0>65:F>lCDDU2>AjFE>042>A2:8?l=66Q C6=lQ?@7@==@HQm%@52J’D |@CE8286 x?E6C6DE #2E6Di $2J v@@53J6 %@ #64@C5 {@H #2E6Dk^2mk^=:mk=:mk2 9C67lQ9EEADi^^HHH]7@C36D]4@>^25G:D@C^>@CE8286D^@H?6C\7:?2?4:?8^nFE>0D@FC46lDJ?5U2>AjFE>0>65:F>lCDDU2>AjFE>042>A2:8?l=66Q C6=lQ?@7@==@HQm~H?6C u:?2?4:?8i (92E xE xD p?5 w@H xE (@C<Dk^2mk^=:mk=:mk2 9C67lQ9EEADi^^HHH]7@C36D]4@>^25G:D@C^>@CE8286D^56>@4C2ED\>@CE8286\C2E6D^nFE>0D@FC46lDJ?5U2>AjFE>0>65:F>lCDDU2>AjFE>042>A2:8?l=66Q C6=lQ?@7@==@HQmw@H s6>@4C2E:4 r@?EC@= ~7 %96 !C6D:56?4J p?5 r@?8C6DD r@F=5 x>A24E |@CE8286 #2E6Dk^2mk^=:mk^F=m
