What are your housing bubble predictions for the new year? Six months ago: "I think…
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From the first 2:32 video:
Medford Housing Market Report | January 2023
Jennifer Keenan | Realtor | 4Squares Residential Group @ Keller Williams Realty
Feb 6, 2023
Medford Housing Market Recap for January 2023! Check out the numbers with an expert!
The second 8:32 video:
What Makes Realtors Angry – Buyer Edition
Stacie Duffy, Realtor®
Feb 6, 2023
If you are looking to buy your next home, here are a few things than can frustrate your agent during the process. Yes, this was a vent video for me at the time…but having open communication and a solid working relationship will prevent A LOT of these types of issues. We are here to help you achieve your goals, so Help Us Help You! If you don’t trust your agent, FIND SOMEONE ELSE!
NOTE: This was filmed in early 2021, so those were the market conditions I discussed at the time. However many of these factors still apply in a competitive market.
Chapters:
0:00 Trust
1:35 Listen
4:15 Indecisive
5:50 Availability Expectations
8:02 How I Can Help
The third 3 minute video:
January 2023 Vancouver Real Estate Market Recap
Casey Archibald
Feb 6, 2023
What happened in January 2023 in the Greater Vancouver Housing Market?
–
Sales are down 55.3% from January 2022
–
New listings down 20.9% compared to January 2022
Total listings on the market down 32.1% compared to January 2022
–
Sales 42.9% below the 10 year average for January
–
Detached Market
Benchmark price down 9.1%
10.2% sales to active ratio
–
Townhome Market
Benchmark price down 3%
13.4% sales to active ratio
–
Condo Market
Benchmark price down 1.1%
16.7% sales to active ratio
The fourth 12 minute video:
Is Canadian real estate going to drop another 50%?
The Mark Loeffler Experience
Feb 6, 2023
We have already dropped 50%, so why are the headlines predicting this again? Is Canadian real estate really going to drop to 2014 levels?
The fifth 24:42 video:
Are Buyers Again Paying $400K+ Over Asking For Toronto Homes? – Feb 1
Team Sessa Real Estate
Feb 7, 2023 CANADA
Toronto Real Estate Market Report for the week of Jan 26 – Feb 1, 2023.
We have already dropped 50%
Pretty careless. The graph he displays says 20%
Receiver takes over big Edgewater apartment building
Crain’s Chicago Business|11 hours ago
In a rare case of distress for the Chicago apartment market, the owners of the Edison defaulted on $43 million in debt, according to a foreclosure suit.
Will the next recession hit the Bay Area harder than the rest of the nation?
The Business Journals|12 hours ago
The Bay Area’s concentration of high-paid tech jobs could be a huge drag on the region’s economy in the next recession, economists say.
More help for homeowners: California expands mortgage relief
Orange County Register|2 hours ago
As much as $700 million worth of aid remains available for borrowers who qualify for the program, which was created in December 2021 using federal dollars from the American Rescue Act.
Zoom to cut 15% of its workforce
UPI on MSN.com|15 hours ago
Zoom said Tuesday it will cut 1,300 jobs, or 15% of its workforce. Company CEO Eric Yuan said in a blog post that post-pandemic changes have made it necessary for the company to cut back. “The uncertainty of the global economy
Ford works council in Germany to update staff on job cut talks on Feb 14
Reuters on MSN.com|19 hours ago
The Ford Motor Co works council in Cologne, Germany invited workers to a meeting on Feb 14 to update them on negotiations with management over planned job cuts at Ford’s plants in Europe, a union representative said on Tuesday.
Boeing to cut 2,000 jobs
UPI on MSN.com|16 hours ago
Boeing will slash 2,000 jobs, the aircraft manufacturer said. The layoffs come in spite of Boeing’s announcement last months that the company would add 10,000 jobs.
Softbank posts loss of US$5.9bn amid tech slump
The Taipei Times|18 hours ago
Japan’s Softbank Group Corp yesterday reported a surprise US$5.9 billion net loss in the fiscal third quarter, as a slump in the tech sector continued to hit the investment behemoth’s bottom line. The loss compared with the net profit of ￥29 billion (US$220 million) the firm reported in the same three-month period last year.
Bed Bath & Beyond plans to sell shares in bid to avoid bankruptcy
CBS News|20 hours ago
The home goods retailer hopes to raise $1 billion and use the proceeds to pay down debt and the interest on loans.
Smaller nonbanks facing “come to Jesus moment” as MSR values dip
HousingWire|19 hours ago
Nonbanks leaning on MSR sales now face a supply-demand imbalance, which favors buyers and is expected to squeeze margins, especially for smaller players, regardless of whether they sell or retain servicing.
NYC Council Progressive Caucus braces for member ‘exodus’ over police funding flap: sources
The City Council’s Progressive Caucus could lose as many as 10 members due to an internal dispute over law enforcement funding, multiple sources told the Daily News on Tuesday.
It also includes an entry about law enforcement funding: “We will do everything we can to reduce the size and scope of the NYPD and the Department of Correction, and prioritize and fund alternative safety infrastructure that truly invests in our communities.”
That proposed pledge has stirred an uproar among some Progressive Caucus members who fear it will provide ammunition for Republicans to paint Democrats as anti-police.
As a result, at least 10 concerned Council Democrats have either already stepped down from the caucus or alerted caucus leadership that they will not sign the statement as long as it contains the language about police funding, four sources directly familiar with the matter told The News.
“It’s an exodus,” said one Council member who’s considering bailing from the caucus and spoke on condition of anonymity.
Progressive Caucus leadership informed members they have until this Friday to decide whether they’re going to ink the statement.
Two members who have already left the caucus over the police funding flap are Brooklyn Councilman Justin Brannan and Bronx Councilwoman Marjorie Velazquez, who went public over the weekend with their decisions. Both of them are expected to face competitive general election challenges from Republicans in this year’s Council elections.
Narcisse, who represents a slice of southern Brooklyn that includes Canarsie and Mill Basin, confirmed she’s contemplating not signing the Progressive Caucus pledge.
“Whatever decision I make, it has to be based on my constituents,” she said. “I have to meet them where they are. My district is a lot of police officers, a lot of retirees, so you figure that one out.”
A member who spoke on condition of anonymity to be candid said shrinking the Progressive Caucus isn’t necessarily bad as it currently comprises nearly the entire Democratic Council conference.
“We’re hoping that the bylaw reforms will make a stronger progressive faction,” the member said.
But one of the Council members who’s likely to leave the caucus said the pledge sends the wrong message. “I’m not signing a pledge to ignore the will of my constituents, and they don’t want to defund or abolish the NYPD,” the member said.
At the Port Authority in New York City, Ilze Thielmann greets would-be refugees as they step off buses.
Many of them were put on buses in southern U.S. states, where officials say they are unable to deal with the deepening migrant crisis.
Thielmann’s non-profit organization, Team TLC, and others like it get funding from New York City to help those new arrivals get where they want to go. The process is called “re-ticketing.”
Many of them want to go north, to Plattsburgh, N.Y. — the closest town to Roxham Road, an irregular border crossing into Canada used by asylum seekers.
“They want to cross the Canadian border and take their chances there,” Thielmann said. “They think that there are all these jobs up there. They think they’re going to be able to get asylum very easily up there and that’s just not the case.”
Re-ticketing in New York City is not a shocking or surprising process, advocates in Montreal say. But getting a job is often not as easy as the migrants think and overburdened community services are struggling to handle the number of people who are crossing into Canada. As a result, Theilmann said some re-ticketed migrants turn around and come right back.
The New York Post first reported on Sunday that migrants in New York City were receiving free bus tickets — courtesy of charities funded by New York taxpayers — to go to Plattsburgh.
From there, many of them board taxis to Roxham Road, where they enter Canada illegally and claim asylum.
New York Mayor Eric Adams said in an interview with a local television station on Tuesday morning that the city has a partnership with charities to help migrants leave.
“Those who are seeking to go somewhere else, [we’re] not we’re pushing or forcing — if they’re seeking to go somewhere else, we are helping in the re-ticketing process,” he told Fox 5 TV’s Good Day New York.
“We found that people had other destinations, but they were being compelled only to come to New York City … Some want to go to Canada, some want to go to warmer states, and we are there for them as they continue to move on with their pursuit of this dream.”
“They want to cross the Canadian border and take their chances there,” Thielmann said. “They think that there are all these jobs up there. They think they’re going to be able to get asylum very easily up there and that’s just not the case.”
Doesn’t everyone welcome turn-key astronauts and scientists?
Roxham Road
Just a few steps from where I cross the border from Lake Champlain. Back in the day this was a notorious smuggling route.
Canada doesn’t like giving jobs to non-Canadians.
It starts when a man seated near the back of the 501 streetcar in Toronto breaks into a long, winding song about genitalia. It’s Monday at 4:30 p.m., and as the car travels along its route, which runs much of the city’s length east to west along Queen Street, the singing grows progressively louder.
The man, clearly becoming more agitated, then gets into a full blown argument with the empty seat across from him.
Some riders studiously ignore him, eyes locked on phones, the ceiling, or the floor as he raises his voice.
Mieka Smulders, seated a few rows ahead, had been cautiously looking back during the man’s song, but eventually got up and moved further away from him — and closer to an exit.
When she hops off at her stop, Smulders says it happens almost every day.
“The Queen streetcar is special. There should be more supports for a lot of people like the guy we just saw on there,” she said, noting that she often moves away from riders who make her feel uncomfortable.
“I don’t want to engage. I’m not equipped to do that. I feel bad for them.”
Toronto’s transit system has been rocked by a series of violent incidents over the last year: people pushed onto subway tracks, lit on fire, shot at with BB guns, stabbed, swarmed and otherwise assaulted.
As rush hour got underway, some vulnerable people on the 501 streetcar began to leave. Among them was an older man who seemed to become increasingly agitated with the sudden crush of commuters.
He pulled his ripped coat around his body and trudged out into the cold with his untied boots flopping around bare ankles as he clutched a mud-stained bag. But as the evening went on and the commuters thinned out, he and others begin to hop back on, some with weathered shopping bags, blankets and sleeping bags in tow.
Just after 8 p.m., a bearded man in a faded green jacket begins pacing near the back of the streetcar, thrusting his face at riders seated in the area before focusing on a younger group, stomping toward them, chest out.
“Do you want to fight? Do you want to fight?” He challenged the group.
They ignore him, the tallest man in the group angling his back to block the man’s path as they get up and move toward the middle of the street car, avoiding his gaze.
At their stop, two members of the group tell CBC News that as regular commuters they feel they’ve had to become experts in de-escalation.
“Honestly, it’s happening daily right now,” said Ramiro Montemayor.
“Like, you can’t just get on there and not be looking around; you’ve got to be alert about what’s going on because it’s not safe,” said Layla Siroj, who was riding the streetcar with Montemayor.
“I do feel bad because clearly with all the budget cuts to social services and things like that, people really are struggling, and having mental health struggles and not doing very well, but it can get dangerous — so all we can do is just move away,” she said.
Homepoint conducts layoffs
National Mortgage News|9 hours ago
The reduction comes weeks before the Ann Arbor, Michigan-based lender is set to report its fourth quarter earnings.
Merge Or Perish: 25 Struggling Fintech Startups
Forbes|6 minutes ago
Some VCs are saying, ‘We don’t know when we hit bottom on this thing,’ ” says one fintech executive. “ ’There’s no price that we’re putting in money.’ ” Like many once-promising fintechs, Ribbon is caught between Scylla and Charybdis.
From the first 2:32 video:
Medford Housing Market Report | January 2023
Jennifer Keenan | Realtor | 4Squares Residential Group @ Keller Williams Realty
Feb 6, 2023
Medford Housing Market Recap for January 2023! Check out the numbers with an expert!
The second 8:32 video:
What Makes Realtors Angry – Buyer Edition
Stacie Duffy, Realtor®
Feb 6, 2023
If you are looking to buy your next home, here are a few things than can frustrate your agent during the process. Yes, this was a vent video for me at the time…but having open communication and a solid working relationship will prevent A LOT of these types of issues. We are here to help you achieve your goals, so Help Us Help You! If you don’t trust your agent, FIND SOMEONE ELSE!
NOTE: This was filmed in early 2021, so those were the market conditions I discussed at the time. However many of these factors still apply in a competitive market.
Chapters:
0:00 Trust
1:35 Listen
4:15 Indecisive
5:50 Availability Expectations
8:02 How I Can Help
The third 3 minute video:
January 2023 Vancouver Real Estate Market Recap
Casey Archibald
Feb 6, 2023
What happened in January 2023 in the Greater Vancouver Housing Market?
–
Sales are down 55.3% from January 2022
–
New listings down 20.9% compared to January 2022
Total listings on the market down 32.1% compared to January 2022
–
Sales 42.9% below the 10 year average for January
–
Detached Market
Benchmark price down 9.1%
10.2% sales to active ratio
–
Townhome Market
Benchmark price down 3%
13.4% sales to active ratio
–
Condo Market
Benchmark price down 1.1%
16.7% sales to active ratio
The fourth 12 minute video:
Is Canadian real estate going to drop another 50%?
The Mark Loeffler Experience
Feb 6, 2023
We have already dropped 50%, so why are the headlines predicting this again? Is Canadian real estate really going to drop to 2014 levels?
The fifth 24:42 video:
Are Buyers Again Paying $400K+ Over Asking For Toronto Homes? – Feb 1
Team Sessa Real Estate
Feb 7, 2023 CANADA
Toronto Real Estate Market Report for the week of Jan 26 – Feb 1, 2023.
We have already dropped 50%
Pretty careless. The graph he displays says 20%
Receiver takes over big Edgewater apartment building
Crain’s Chicago Business|11 hours ago
In a rare case of distress for the Chicago apartment market, the owners of the Edison defaulted on $43 million in debt, according to a foreclosure suit.
Will the next recession hit the Bay Area harder than the rest of the nation?
The Business Journals|12 hours ago
The Bay Area’s concentration of high-paid tech jobs could be a huge drag on the region’s economy in the next recession, economists say.
More help for homeowners: California expands mortgage relief
Orange County Register|2 hours ago
As much as $700 million worth of aid remains available for borrowers who qualify for the program, which was created in December 2021 using federal dollars from the American Rescue Act.
Zoom to cut 15% of its workforce
UPI on MSN.com|15 hours ago
Zoom said Tuesday it will cut 1,300 jobs, or 15% of its workforce. Company CEO Eric Yuan said in a blog post that post-pandemic changes have made it necessary for the company to cut back. “The uncertainty of the global economy
Ford works council in Germany to update staff on job cut talks on Feb 14
Reuters on MSN.com|19 hours ago
The Ford Motor Co works council in Cologne, Germany invited workers to a meeting on Feb 14 to update them on negotiations with management over planned job cuts at Ford’s plants in Europe, a union representative said on Tuesday.
Boeing to cut 2,000 jobs
UPI on MSN.com|16 hours ago
Boeing will slash 2,000 jobs, the aircraft manufacturer said. The layoffs come in spite of Boeing’s announcement last months that the company would add 10,000 jobs.
Softbank posts loss of US$5.9bn amid tech slump
The Taipei Times|18 hours ago
Japan’s Softbank Group Corp yesterday reported a surprise US$5.9 billion net loss in the fiscal third quarter, as a slump in the tech sector continued to hit the investment behemoth’s bottom line. The loss compared with the net profit of ￥29 billion (US$220 million) the firm reported in the same three-month period last year.
Bed Bath & Beyond plans to sell shares in bid to avoid bankruptcy
CBS News|20 hours ago
The home goods retailer hopes to raise $1 billion and use the proceeds to pay down debt and the interest on loans.
Smaller nonbanks facing “come to Jesus moment” as MSR values dip
HousingWire|19 hours ago
Nonbanks leaning on MSR sales now face a supply-demand imbalance, which favors buyers and is expected to squeeze margins, especially for smaller players, regardless of whether they sell or retain servicing.
NYC Council Progressive Caucus braces for member ‘exodus’ over police funding flap: sources
The City Council’s Progressive Caucus could lose as many as 10 members due to an internal dispute over law enforcement funding, multiple sources told the Daily News on Tuesday.
It also includes an entry about law enforcement funding: “We will do everything we can to reduce the size and scope of the NYPD and the Department of Correction, and prioritize and fund alternative safety infrastructure that truly invests in our communities.”
That proposed pledge has stirred an uproar among some Progressive Caucus members who fear it will provide ammunition for Republicans to paint Democrats as anti-police.
As a result, at least 10 concerned Council Democrats have either already stepped down from the caucus or alerted caucus leadership that they will not sign the statement as long as it contains the language about police funding, four sources directly familiar with the matter told The News.
“It’s an exodus,” said one Council member who’s considering bailing from the caucus and spoke on condition of anonymity.
Progressive Caucus leadership informed members they have until this Friday to decide whether they’re going to ink the statement.
Two members who have already left the caucus over the police funding flap are Brooklyn Councilman Justin Brannan and Bronx Councilwoman Marjorie Velazquez, who went public over the weekend with their decisions. Both of them are expected to face competitive general election challenges from Republicans in this year’s Council elections.
Narcisse, who represents a slice of southern Brooklyn that includes Canarsie and Mill Basin, confirmed she’s contemplating not signing the Progressive Caucus pledge.
“Whatever decision I make, it has to be based on my constituents,” she said. “I have to meet them where they are. My district is a lot of police officers, a lot of retirees, so you figure that one out.”
A member who spoke on condition of anonymity to be candid said shrinking the Progressive Caucus isn’t necessarily bad as it currently comprises nearly the entire Democratic Council conference.
“We’re hoping that the bylaw reforms will make a stronger progressive faction,” the member said.
But one of the Council members who’s likely to leave the caucus said the pledge sends the wrong message. “I’m not signing a pledge to ignore the will of my constituents, and they don’t want to defund or abolish the NYPD,” the member said.
https://www.msn.com/en-us/news/politics/nyc-council-progressive-caucus-braces-for-member-exodus-over-police-funding-flap-sources/ar-AA17dPZF
At the Port Authority in New York City, Ilze Thielmann greets would-be refugees as they step off buses.
Many of them were put on buses in southern U.S. states, where officials say they are unable to deal with the deepening migrant crisis.
Thielmann’s non-profit organization, Team TLC, and others like it get funding from New York City to help those new arrivals get where they want to go. The process is called “re-ticketing.”
Many of them want to go north, to Plattsburgh, N.Y. — the closest town to Roxham Road, an irregular border crossing into Canada used by asylum seekers.
“They want to cross the Canadian border and take their chances there,” Thielmann said. “They think that there are all these jobs up there. They think they’re going to be able to get asylum very easily up there and that’s just not the case.”
Re-ticketing in New York City is not a shocking or surprising process, advocates in Montreal say. But getting a job is often not as easy as the migrants think and overburdened community services are struggling to handle the number of people who are crossing into Canada. As a result, Theilmann said some re-ticketed migrants turn around and come right back.
The New York Post first reported on Sunday that migrants in New York City were receiving free bus tickets — courtesy of charities funded by New York taxpayers — to go to Plattsburgh.
From there, many of them board taxis to Roxham Road, where they enter Canada illegally and claim asylum.
New York Mayor Eric Adams said in an interview with a local television station on Tuesday morning that the city has a partnership with charities to help migrants leave.
“Those who are seeking to go somewhere else, [we’re] not we’re pushing or forcing — if they’re seeking to go somewhere else, we are helping in the re-ticketing process,” he told Fox 5 TV’s Good Day New York.
“We found that people had other destinations, but they were being compelled only to come to New York City … Some want to go to Canada, some want to go to warmer states, and we are there for them as they continue to move on with their pursuit of this dream.”
https://www.msn.com/en-ca/news/canada/why-some-migrants-turn-around-and-head-back-to-nyc-after-free-bus-ride-to-near-canadian-border/ar-AA17dovp
“They want to cross the Canadian border and take their chances there,” Thielmann said. “They think that there are all these jobs up there. They think they’re going to be able to get asylum very easily up there and that’s just not the case.”
Doesn’t everyone welcome turn-key astronauts and scientists?
Roxham Road
Just a few steps from where I cross the border from Lake Champlain. Back in the day this was a notorious smuggling route.
Canada doesn’t like giving jobs to non-Canadians.
It starts when a man seated near the back of the 501 streetcar in Toronto breaks into a long, winding song about genitalia. It’s Monday at 4:30 p.m., and as the car travels along its route, which runs much of the city’s length east to west along Queen Street, the singing grows progressively louder.
The man, clearly becoming more agitated, then gets into a full blown argument with the empty seat across from him.
Some riders studiously ignore him, eyes locked on phones, the ceiling, or the floor as he raises his voice.
Mieka Smulders, seated a few rows ahead, had been cautiously looking back during the man’s song, but eventually got up and moved further away from him — and closer to an exit.
When she hops off at her stop, Smulders says it happens almost every day.
“The Queen streetcar is special. There should be more supports for a lot of people like the guy we just saw on there,” she said, noting that she often moves away from riders who make her feel uncomfortable.
“I don’t want to engage. I’m not equipped to do that. I feel bad for them.”
Toronto’s transit system has been rocked by a series of violent incidents over the last year: people pushed onto subway tracks, lit on fire, shot at with BB guns, stabbed, swarmed and otherwise assaulted.
As rush hour got underway, some vulnerable people on the 501 streetcar began to leave. Among them was an older man who seemed to become increasingly agitated with the sudden crush of commuters.
He pulled his ripped coat around his body and trudged out into the cold with his untied boots flopping around bare ankles as he clutched a mud-stained bag. But as the evening went on and the commuters thinned out, he and others begin to hop back on, some with weathered shopping bags, blankets and sleeping bags in tow.
Just after 8 p.m., a bearded man in a faded green jacket begins pacing near the back of the streetcar, thrusting his face at riders seated in the area before focusing on a younger group, stomping toward them, chest out.
“Do you want to fight? Do you want to fight?” He challenged the group.
They ignore him, the tallest man in the group angling his back to block the man’s path as they get up and move toward the middle of the street car, avoiding his gaze.
At their stop, two members of the group tell CBC News that as regular commuters they feel they’ve had to become experts in de-escalation.
“Honestly, it’s happening daily right now,” said Ramiro Montemayor.
“Like, you can’t just get on there and not be looking around; you’ve got to be alert about what’s going on because it’s not safe,” said Layla Siroj, who was riding the streetcar with Montemayor.
“I do feel bad because clearly with all the budget cuts to social services and things like that, people really are struggling, and having mental health struggles and not doing very well, but it can get dangerous — so all we can do is just move away,” she said.
https://www.msn.com/en-ca/news/canada/shaken-by-toronto-transit-attacks-riders-say-they-dont-feel-safe-but-doubt-more-police-will-help/ar-AA17eG6j
Homepoint conducts layoffs
National Mortgage News|9 hours ago
The reduction comes weeks before the Ann Arbor, Michigan-based lender is set to report its fourth quarter earnings.
Merge Or Perish: 25 Struggling Fintech Startups
Forbes|6 minutes ago
Some VCs are saying, ‘We don’t know when we hit bottom on this thing,’ ” says one fintech executive. “ ’There’s no price that we’re putting in money.’ ” Like many once-promising fintechs, Ribbon is caught between Scylla and Charybdis.
𝗖𝗼𝗹𝗹𝗲𝗴𝗲 𝗣𝗮𝗿𝗸, 𝗠𝗗 𝗛𝗼𝘂𝘀𝗶𝗻𝗴 𝗣𝗿𝗶𝗰𝗲𝘀 𝗖𝗿𝗮𝘁𝗲𝗿 𝟭𝟳% 𝗬𝗢𝗬 𝗔𝘀 𝗦𝘂𝗯𝗽𝗿𝗶𝗺𝗲 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗗𝗲𝗳𝗮𝘂𝗹𝘁𝘀 𝗕𝗹𝗮𝗻𝗸𝗲𝘁 𝗡𝗼𝗿𝘁𝗵𝗲𝗿𝗻 𝗩𝗶𝗿𝗴𝗶𝗻𝗶𝗮
https://www.movoto.com/college-park-md/market-trends/
𝘈𝘴 𝘰𝘯𝘦 𝘯𝘢𝘵𝘪𝘰𝘯𝘢𝘭 𝘣𝘳𝘰𝘬𝘦𝘳 𝘦𝘹𝘱𝘭𝘢𝘪𝘯𝘦𝘥, “𝘛𝘩𝘦 𝘰𝘯𝘭𝘺 𝘦𝘱𝘪𝘥𝘦𝘮𝘪𝘤 𝘸𝘦’𝘷𝘦 𝘦𝘹𝘱𝘦𝘳𝘪𝘦𝘯𝘤𝘦𝘥 𝘪𝘴 𝘢𝘱𝘱𝘳𝘢𝘪𝘴𝘢𝘭 𝘧𝘳𝘢𝘶𝘥. 𝘐𝘵’𝘴 𝘳𝘢𝘮𝘱𝘢𝘯𝘵.”