tag:blogger.com,1999:blog-21295166155287195092024-03-19T02:16:18.968-07:00FHA Apartment LenderFHA 223(f), FHA Apartment Construction Loan, FHA 221(d)(4)Anonymoushttp://www.blogger.com/profile/17960304315237677226noreply@blogger.comBlogger25125tag:blogger.com,1999:blog-2129516615528719509.post-2622456279528259622016-01-18T17:24:00.001-08:002016-01-18T17:24:41.598-08:00Apartment Lender APARTMENT Loan Rates FHA 223f FNMA DUS FNMA Small Apartment Loans: Apartment Loan Rate Update<a href="http://apartmentlender.blogspot.com/2015/09/apartment-loan-rate-update-september.html?spref=bl">Apartment Lender APARTMENT Loan Rates FHA 223f FNMA DUS FNMA Small Apartment Loans: Apartment Loan Rate Update</a>:<br /><br />
<br /><br />
<img alt="" src="data:image/jpeg;base64,/9j/4AAQSkZJRgABAQEAYABgAAD/4RD0RXhpZgAATU0AKgAAAAgABAE7AAIAAAAOAAAISodpAAQAAAABAAAIWJydAAEAAAAcAAAQ0OocAAcAAAgMAAAAPgAAAAAc6gAAAAgAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAFNjb3R0IGtlbmRhbGwAAAWQAwACAAAAFAAAEKaQBAACAAAAFAAAELqSkQACAAAAAzgwAACSkgACAAAAAzgwAADqHAAHAAAIDAAACJoAAAAAHOoAAAAIAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAyMDE2OjAxOjE4IDE5OjIxOjIyADIwMTY6MDE6MTggMTk6MjE6MjIAAABTAGMAbwB0AHQAIABrAGUAbgBkAGEAbABsAAAA/+ELIGh0dHA6Ly9ucy5hZG9iZS5jb20veGFwLzEuMC8APD94cGFja2V0IGJlZ2luPSfvu78nIGlkPSdXNU0wTXBDZWhpSHpyZVN6TlRjemtjOWQnPz4NCjx4OnhtcG1ldGEgeG1sbnM6eD0iYWRvYmU6bnM6bWV0YS8iPjxyZGY6UkRGIHhtbG5zOnJkZj0iaHR0cDovL3d3dy53My5vcmcvMTk5OS8wMi8yMi1yZGYtc3ludGF4LW5zIyI+PHJkZjpEZXNjcmlwdGlvbiByZGY6YWJvdXQ9InV1aWQ6ZmFmNWJkZDUtYmEzZC0xMWRhLWFkMzEtZDMzZDc1MTgyZjFiIiB4bWxuczpkYz0iaHR0cDovL3B1cmwub3JnL2RjL2VsZW1lbnRzLzEuMS8iLz48cmRmOkRlc2NyaXB0aW9uIHJkZjphYm91dD0idXVpZDpmYWY1YmRkNS1iYTNkLTExZGEtYWQzMS1kMzNkNzUxODJmMWIiIHhtbG5zOnhtcD0iaHR0cDovL25zLmFkb2JlLmNvbS94YXAvMS4wLyI+PHhtcDpDcmVhdGVEYXRlPjIwMTYtMDEtMThUMTk6MjE6MjIuNzk5PC94bXA6Q3JlYXRlRGF0ZT48L3JkZjpEZXNjcmlwdGlvbj48cmRmOkRlc2NyaXB0aW9uIHJkZjphYm91dD0idXVpZDpmYWY1YmRkNS1iYTNkLTExZGEtYWQzMS1kMzNkNzUxODJmMWIiIHhtbG5zOmRjPSJodHRwOi8vcHVybC5vcmcvZGMvZWxlbWVudHMvMS4xLyI+PGRjOmNyZWF0b3I+PHJkZjpTZXEgeG1sbnM6cmRmPSJodHRwOi8vd3d3LnczLm9yZy8xOTk5LzAyLzIyLXJkZi1zeW50YXgtbnMjIj48cmRmOmxpPlNjb3R0IGtlbmRhbGw8L3JkZjpsaT48L3JkZjpTZXE+DQoJCQk8L2RjOmNyZWF0b3I+PC9yZGY6RGVzY3JpcHRpb24+PC9yZGY6UkRGPjwveDp4bXBtZXRhPg0KICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgIAogICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgCiAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAKICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgIAogICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgCiAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAKICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgIAogICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgCiAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAKICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgIAogICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgCiAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAKICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgIAogICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgCiAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAKICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgIAogICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgCiAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAKICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgIAogICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgCiAgICAgICAgICAgICAgICAgICAgICAgICAgICA8P3hwYWNrZXQgZW5kPSd3Jz8+/9sAQwAHBQUGBQQHBgUGCAcHCAoRCwoJCQoVDxAMERgVGhkYFRgXGx4nIRsdJR0XGCIuIiUoKSssKxogLzMvKjInKisq/9sAQwEHCAgKCQoUCwsUKhwYHCoqKioqKioqKioqKioqKioqKioqKioqKioqKioqKioqKioqKioqKioqKioqKioqKioq/8AAEQgBHQHiAwEiAAIRAQMRAf/EAB8AAAEFAQEBAQEBAAAAAAAAAAABAgMEBQYHCAkKC//EALUQAAIBAwMCBAMFBQQEAAABfQECAwAEEQUSITFBBhNRYQcicRQygZGhCCNCscEVUtHwJDNicoIJChYXGBkaJSYnKCkqNDU2Nzg5OkNERUZHSElKU1RVVldYWVpjZGVmZ2hpanN0dXZ3eHl6g4SFhoeIiYqSk5SVlpeYmZqio6Slpqeoqaqys7S1tre4ubrCw8TFxsfIycrS09TV1tfY2drh4uPk5ebn6Onq8fLz9PX29/j5+v/EAB8BAAMBAQEBAQEBAQEAAAAAAAABAgMEBQYHCAkKC//EALURAAIBAgQEAwQHBQQEAAECdwABAgMRBAUhMQYSQVEHYXETIjKBCBRCkaGxwQkjM1LwFWJy0QoWJDThJfEXGBkaJicoKSo1Njc4OTpDREVGR0hJSlNUVVZXWFlaY2RlZmdoaWpzdHV2d3h5eoKDhIWGh4iJipKTlJWWl5iZmqKjpKWmp6ipqrKztLW2t7i5usLDxMXGx8jJytLT1NXW19jZ2uLj5OXm5+jp6vLz9PX29/j5+v/aAAwDAQACEQMRAD8A+baK7H4ff6nxJ/2Drf8A9OVnXaVyV8T7FpWuc9Wt7NpWPGqK9lorn+v/AN38f+AY/W/I8aor2Wij6/8A3fx/4AfW/I8aor2Wij6//d/H/gB9b8jxqivZaKPr/wDd/H/gB9b8jxqivZaKPr/938f+AH1vyPGqK9loo+v/AN38f+AH1vyPGqK9loo+v/3fx/4AfW/I8aor2Wij6/8A3fx/4AfW/I8aor2WvVvgr/yL2t/9hc/+k1vWtHF+0laxpTxHO7WPkSiv0CrnNR1fV9O8R2UDpZGwu7gQoMOHCleWMhIQNu6IASR09uyDc3ZGsqnKrtHxBRX2v4c8Uy61qkkU91bRI0k32e2+xyK0saPtDLKW2N7hR+VXr/xdYadNfw3EVx51kYQY1VSZvNOF2c888c46VbjNS5ba/wBIn20bNnw1RX3LF4tsZdWFksNzsa5a0W62r5TTKuSg53Z6jOMZB5qqfHumJNfQzW15FLZWzXTxuqbmRTj7ofKnkHa+04I4pKNR7RD20T4kor7qm1108L3OsJp1yoihaaOGUorSKFyG4YgDHrzweM8VmReOrePTraW+sroS/ZI7q78lUK2yOQA7fPnB5IA3NjqKFGb2Qe3ij4oor7euvG1narqTmxvpINMcJcTIse0E4xjLgnO70+uOKY/jqyiupYbnTtRgNvNFDO7xpiLzMbGOHJIOe2SMcgU1Co9o/wBf0194nXgj4kor9Aq5/wAa/wDIBtv+wvpv/pdBWPtPI05z4dor9AqKPaeQc5+ftFfoFRR7TyDnPz9or9AqKPaeQc5+ftFfoFRR7TyDnPz9or9AqKPaeQc5+ftFfoFRR7TyDnPz9or7i8N/8h7xb/2F4/8A0hta6Cj2nkHOfn7RX6BUUe08g5z8/aK/QKij2nkHOfn7RX6BUUe08g5z8/aK/QKij2nkHOfn7RX6BUUe08g5z8/aK/QKij2nkHOfn7RX6BVz/j//AJJr4m/7BF1/6Jaj2nkHOfDtFfoFRR7TyDnPi74ff6nxJ/2Drf8A9OVnXaVxfw+/1PiT/sHW/wD6crOu0rzsf8SOTFfEgorv9bS30/wjob2suj2kk+m75Y59OWSa4bJGQ/lNg9slh/Wtu18P6Q/jDSdw00K+irI1g1u26RvKY+Z9zYTnnJbPFc3sHrZ7f5N/oc6p3aXe342/zPJaK9S8KeEobvwH5FzpLT3uspPJb3hty32by1Hlgvj5dxB7jIrgtAW7XxBBDZ6bDqF2zGOO2uot67iCMlcgcdeeBjJ6VMqUoyUX1/q3qJwaipdzKor0640sP47i0bQrHSbq++xxR6lcNaK0FvIp/eOqY2DjAPy9eBgk1W0280KX4iXel6fpun3Gn3d0wgZ7YSeY23AQOc+XGWJO5FJHHaq9g7pX3uvudinTtu/6t/Vzzqius8KaXCus63Le28M/9k2NxMsD4dGkX5RkH7wBOfwFdfZado1xD4W0hNJgVdW0+UyzOkbSBthIffs3bgRwc4xxjvUxpOUVK++34/5BGm27X/q6X6nklFdH4Z0Ow1G31q41Q3BTTbUzqltIqFyGAxkq3Hvj8+lbVz4M0S10KO7uLx4J5rD7fEJL+AbstkQhCA5YrxvAxnt2pKlJx5vK/wCf+T/qxKpyd7f1t/mcFRXr/iLQNJuZNQtLS0SyitIrFQIYIMt5rgE7vK3g477uT7cVhap4C00SSRaMdQlkg1ddPdXeNzKpTcWUYUAjkcnHGcirlQknZf1rYt0ZJXX9aX/RnntFelp8PdCmvNOMd5dC3uY7vzgk6ylHhHZ/LUH0OAR6Ejms8+C9Mbyb+N7wae2jNqckBlQzZU42B9oGMkc7fXipdGS/rpZu/wByF7Gf9fL/ADRwlFdzo3hXw/q1ndaqtxeR6dHPDbrHcXUFu6MwBdjI3ysAM4AALe2KydK0m0Tx8li08V7Y21wzvMuGSWKMFyeMggqvSl7NppPqTyStdf1/VjnK9W+Cv/Iva3/2Fz/6TW9eWzSedPJJsVN7FtqDAXJ6AelepfBX/kXtb/7C5/8ASa3rbB/G/T/I1ofGz0esK/8AD93qWqQveap5mnw3SXSWv2cBwyDhfMB5XdzgqT2zVnxLqc2jeGb/AFG1WN5raEuiyAlSffBFc7L4z1Gwt9VF7BbSz20ds8HlKyLmfgB8sfunuMZ9q9qjTqNc0PT8v8zepKK0kbFv4fvG1y11HVdUF79hEotlW2ETDzOCXIOGwvHAX1qjqvh6bVfH2m3/ANmeOzs03Tys6bZ2XmMAAlshiTkgCqt/4s1jTrm406SOynvYbu1iWVY3SN45sj7pckMCD3I6Vp6R4nja1vf+Egu7G0ktL+SzEpbyUlKgEEBmODg9MnpWtq0ffXay+f8Aw5DcHeL67/18ivb+BLa21qa7jkthBJO9xtNkhnDMOQJjkhQckYAI9aowfDqaK1e3fV4jF/Z0lhGEstu1XYNvPz/M2evTPtSSeMtWj0+5vGW0Kf2odNgRLaR2B3YEjbWy3GflUZJxz2qzb+J9YuWsbA20drfXd1PEs9zaSpG0cabg4iYq3zAgYLcYPXpV3xCV7/0l6dn6kv2V9v6v/mjop9ME/h6TSmlIElqbcyBfVNucVzTfD0SSW8k13ZyypbR2sry6asu5EPysgdmCNt4JO4HrgVPea/rkd1Jp8SafFe2enG9uXZXkjkbJAVOVIHBOTnGQMHrVK48d3h0/Ury0toFS30y3vYUlBJ3SdQxBGQPbFTTjXWsHuVL2btGS/rT/AIBp3Pg0T6Zrlmt6Ixq0yygiH/U4CjGM8/d9utJqPgz7fcanL9v8v7fNay48nPl+Tjj73Oce2Peoxr+tz3+upZQWsqaWimKARMZJ2aLcBu3YHPsc9OOtZcPj+9/ss+ctudQa8htTELSZXt94yfMh5YkbWwFY7uOnSnGOI3i+342t+S/q5LdK135/rf8AU9Arn/Gv/IBtv+wvpv8A6XQVa8Oaleanpjy6latbzxzPFzA8IlUHhwj/ADAEEcHPeqvjX/kA23/YX03/ANLoK4nFxlZnRFp6o6CiiipGFFVLvU7SxurO2upfLmvpGit12k72CM5GQOPlVjzjpWLpXxB8Na1dQ2+m38kzTyCKNzaTJGXKeYE3sgUMV5AJyaEm9g6XOlorl08faQL/AFK1uUvIXsb0WSqtnNK1w/liQ+WqIS2BuJAzgDccAglniPxzDpPh+w1fSYIdStr5j5cr3Pkx42M4G7ax3sV2quOWOMg0dL/1qOzvY6uiuB1D4k3ml2eozX/h4WzWhiKpLegDbIX2iVghEcm1FOwbv9YgyM1qf8J1ZyeHte1O0WGdtHSRzbC4HmOqrkFhgmMMVYDIOQNwyDT5X/X9eYWd0u51VFc34i8Q6rpOoaTb6bpVneLqc3kI89+8BSTY78gRP8u1DznOT070zSvGD6nfadZf2d5V1cG6F0nnbha+Q/lsc7fmyxXHTg5os2Lpc6eiiikBz/hv/kPeLf8AsLx/+kNrXQVz/hv/AJD3i3/sLx/+kNrVe5+I/hezuGhuL+ZWEjRqRZTssjLII2CMEw+HYKdpPJp9bDszqKKw9N8YaNq8NxJp81zJ9niMrI1jOjsoJBKIyBnwQQdoODx14qtZ+OdL1DxDY6VYx3cjXkM8oka0ljERicIyOGUFDkn72MYH95clnewulzpaK55/HGhpa3dyJL2S3spWhnli0y5kRGUsG5WMghSjZI4HGTyM1Y/iJohudSiuPtUK2F0LYOLSWTzv3QkLKFU5UAkkjoAGOAwJVmOzOrorLsfEel6nq1xp1hPJPPbqDK6W8hiGVVgPN27CdrqcBs4PSsbUPiNo1nND5bO9t9sktbm6kikiih2JKzMrMm2XBhZTtJ579i7MLNnW0VzyeOvD7xSubyWMwhzJFNZzRyJtQOcxsgYEqwIGPmHTODV2TxJpMWk32pvdYs9Pz9pl8tyEwoY4GMtww6Z9OopWYjUorlpfiT4WgZlnv54nTcXjewuFeMKFLMylMquJEO4gDBznFTP4+8Ox2b3El3OmyXyngaxnE6ts38w7PMA2fNu24xzmnZjszo6KwYPG/h65s727g1ENbWMLXEs3lOEaIZBeNiuJFypGU3DPHWqt34/0WC2nMT3HnxWjXRjuLG5iWNBvwZW8omMHy3xkZOOAcjJZgk3sdRXP+P8A/kmvib/sEXX/AKJaorb4g+G7mOZxqDIsEU0zySW0yRlYjtl2uyAPtPBC5PtVHxN4h07Xvhr4vGmyTM1rpdzHPHPbSQPGxt2YArIqnoQenehJ3BHZ0UUUhHxd8Pv9T4k/7B1v/wCnKzrtK4v4ff6nxJ/2Drf/ANOVnXaVx4/4kYYr4kXL3Vb3Ube0hvJvMjs4vJgXYBsTOccDn8atr4p1lNSg1BbzF1b24to5PKT5Y8FduMYPBPPWsiiuDml3OS73NR/EeqyX9hetdn7RpyJHasqKBEqcqMAYP49e9LYeJNV0zW5dXsblYr6UsXl8lDyxy2FIwM+wrKop88r3v/TC7/ryN+38a65aSXL2s1rD9rQJcKmn24WVeeGXZg/eP1plr4w1uxEgs7mKBZJPN2x2sSrG+3ZuQBcIdvGVwa6XwzoOk3Ph3RLi70X7fNqGqtZzSebKuxMDBAVgARyeR0B+ov2fgrRWv9HgNq1zHKNRE8nmP+88lysbHBwO3TGa6PZVeW/N+fZS/VfM1iqkknf+m7HC6Brj6HqE07RfaIrm3kt54t+0ujjB+bBwc4Ocdqt6Z4xv7Ge2mn/0lrG0ktrHIVRb7hjdwvzYyeD+ddPYeG9EubjwtYPp0e/UrM3NxN50m+RlDHYvzbRu24PHQ8YNN8LvbD+1rseHm0+BtBuC8ZklMVztZclSx3Adjhj+FEac1pzbX/BP/g+fUcYy017P77P/AC8jhbLVbzT7e7gs5vLjvIvJnXaDvTOccjjn0q2PFGsDR/7LF4fsvleTjy03+Xnds343bc/w5xXoJsNM0XSPEL29gjWtxpVjctaNI5QM7HjO7djPP3s+9MTwTott4pv1nsFl077bbW0MZkld1MiBiqqrKf4vvs2AB91jR7Cpflv5fi1b77/eCpy5bp/1a5w0vjHXZpbiSW+3PcCISnyUG7yjlP4eMH06980h8X66ZXk+3kO94L5mEaDMwGA3T07dPau1tPB2gzQ3+nw2Zk1P7VdR2wvJJYRIkfAMUgBjLL1IYEnnOBzVO+8MaBZ+F13IHum0dL5bmIXDyeaT3wpiWP8AhycEHr61LhVS5+bpff5/fp943TqLRv8Arb9TnJPHXiKVoma+jXyVkWMJaxIFEgw/AUDn/wCvVWLxTrML2rR3mPslubaJTEhXyj1RlIwwP+1msiisOeV73MeeXf8Ar+kjej8a6/FdyXC3wLyCMFHgjaNfL+5tQrtXb2wBis2LVb6G6ublLhvPukdJpGwzOH+9ye59etU6KHOT3YuZ9wr1b4K/8i9rf/YXP/pNb15TXq3wV/5F7W/+wuf/AEmt66sJ8b9P8jbD/Ezv7+xttTsJrK+j823nXZIm4jcPqOaqv4e0uU3fm2av9siSGcMzEOiAhRgnjGeo5rSor01KSVkzrsnuZKeGNISHy/srP/pCXJeSaR3aRPukuWLHHYE4q5Z6da6e1wbOLyzczGeX5idznGTyeOg4HFcz8ToRc+DxA3Cy3kCH6F8VxWnXdzqfifQ7m7BDacw03kcF0ikLn3/hrsp0Z1aTm5d/wS/4BjKShNRS/q7/AOCz1I+HNKawnsja/uJ5zcOvmNnzCc7g2cqcjsRimHwvpH2GK1FqypFKZkdJ5FlEhzlvMDb8nPJzzXCafrmsNo1tHZ362SR6FNfFYLaIAyJIQONmAMdQB+vNdfqWq6g3gBdSsJLeC/ntYpI2ldUQO+3IBf5c8nGeM4qZ06sHy83W279P0CM4S6dP8n+pZl8JaJLbQW5stkcERhQRSvHmMnJVipBcE8kNnJye9LqHhPRdUcteWWcwiBljleNWjByFKqQCAemenauTh167vBpUN48j3cOuLbzpeWkXmRZQnaGUbSR2dQpI7DvFJ4k1yLT9f1Wx1Ce7061dbS0eeKHLSFgHlyqrwueM8HPPSrVGvfSWvq+r/W4ueFtv61/Kx3P9haaftwa1VhqAAugzFhIAu0cE8cemKrJ4T0ZLeaH7K7iZ0d5JLiR5NyfcIkLFl29sEYqDwte6lctqEOps0gt5wsTSvAZcFQSriElQQfpwRXQVzTdSnLl5u2z+40ioyV7dyrp+nWulWgtrCLyogxYjcWLMTkksSSST3JzWT41/5ANt/wBhfTf/AEugroK5/wAa/wDIBtv+wvpv/pdBWV23dmiSWiOgorzzx9/al14sstO0n+1JXl0m7eOLT9Q+y7Zg8QSVzvUEKW6fN1+6elZ/9lePzprWL/2g1zb2epob5b5FS5llcNblB5m4bRkAsF29BgUJXV/66/5Fcutrnc+JdKs7+1t7y91KXSv7NlNyl7G8a+V8jIxJkVlxtds5H4iub8J/DKPw7dSCTUrqewhvlurK18xCrFYEjV5T5YJcEMcBtv3TjNY+p+EfErWPiHTYItWvhc21zHbT3Gs+ZA6PGmyPy5HJ8wPu+bCADPzEYWjUtC8a2uvvb6PDqUmmw3kM9rdNqzyNt2xeajBrhflysmNyyDkgKoOTUdHo9/6/D/hhbx/r+tbs7C68EW02q3Go22qahZXM10LtHtzF+5k8nyWKho2yGQDIbcMgEYNNvPAOm3Xh+x0iC7vrOOxSRI5oZEaRlkRlkDb1ZTuDEk4yD0Irh9W0D4gnWr1NOl1OTTJLqSRpjcYnOTIY/LUXqqI13Dj91n5co2CK6q603xLH470a8hlvLyzW2jivN7+VboQJN77FuBlzuXgxSAYXDDHCSukn/Wg3dNtPY0tL8E2ukG6a31PU5JJrU2kEk86u9pDlmCxsVycFuC+8jAGccVnX/hTwroGn6sdR1QaVY6vbrYnz7mOKOFfL24jLD7xC5+Yt04AGaPHmieINYnjOgXV5biHT7gp9nvGgV7jdEYwwV1LfKJMZOPUjNc3rPhLxZqPhDS0ik1J9StLm7mjzd/Z5YA1vIIhvFzIW/eFQCZGOGwcDIoV3rf8Aq/8AT+Y0ttf6tp/kd1D4YEkmnz3+t6hqbWNz9qt3nEC4PlsmP3cSgrhyfXOOe1WrHw7Zafr+oavAZDcX4UOrMCseBzsGONx5PXJrhdX0Lxkkl5f6euo3Vw2pBY7b+12jjazNoFbCiRVB83JH3WyMgqDuqzpugeKLnSNEs9Wk1KJItTuHvCmotHJ9mMchjBdZ3cjcUGPMYjHXAzR5/wBdP6+TJ6L+tr/180ejUV5FpGifEWLRLpL86kdZa0kVLt9UQ2+3y0CRiIOf32Q37z5OSSXOcVe/sTxnFaaFLFNqlxNBdSNJazS+WiIZIyPNZb1mbAV8ZabIYgr0o5Ve1wasdf4b/wCQ94t/7C8f/pDa1zUPw5vLnxRb3GoXHk6Tp9xLcWcEV4JmDNPHMBgwJsXdHkgtIecAgDNdL4b/AOQ94t/7C8f/AKQ2tbsoYwuE+8VOMHvS5nF8y6D8jlLL4baNp9vq0NnJNCuqK6O8cMCSRKzFiFkWMMwyekhcYAHSn+H/AANpWh3Flc6TfXBNkbmPCrAEkErKXRlSMBQHQEBNuCCOnFcx4e8M+MtP8RaPJe32qNbfZrd7tpbtrlRLsImjcNcgDJxgrHJjggjnMOh+C/E2nR+JFgfU7SRUm/svfqrGGWV5p2LhBIwBKPFy6jDfNjIzVW5dn5A9fw/H/I6jXfAWi33hs2OpX9xb2EE9xeSu7Qlf3jO77vMRlAG84bAZcZDDk1R/4V/4Z8T2pvLPVmvraWdZ45Iha3UQkWIQsQHidTuCLnOcFRjbzmCfw/r9/wCBfFeni21GKO9h2aZZX+oia4VvLAbMvmN8rP0UuRjOcA4qi3hbxc+nvAbjVl+z2ep/ZturuGMxmBtNzCTLfJnG4kAcN6Utr/15/wBeY90nfr+f9anY2vgrTLTxYviCEstwkHkJEkEEaKu1V+8kYduFGAzEDsBxjI1D4S6Bqer3WoXk10ZbmRpGWFYIQCyyDrHGpY/vCdzFmyBz1zi2emePJdM8TGeC9tLm804raRjUN4S5y3Mbmd9uQw5AiHGNowKdJ4e8X2fi65EJ1i70QPGbAJrW1opcQl5JWdyzx5Eg2EOOuE5Bp295ak9Hb+tv8/wZ0dt4L0i/zdPq13qlyL9J5b1pYizvCpj8pgiBAoBZSoUHJOTmpNQ8GhfhvqXhnR5mMl1bzRpNePkl3ycsyr05xwOgFctD4c8bHUNWvJ7jU/MS8hfTk/tQ+WY/tsjSZQSbSPIKcMOmABkYC+FtRu5viXHZNqF1dTRf2gb8JqouYD+9XySIlkYQ4U7cMqHORzgmha6f1oivhd10Z0a/DnTJZ7u51G91C+ury1ktZ5ppEDFHEYGNiKAV8pdpAHUk5JzTn+HtrJK122tat/arS+YdUV4hPjyzHsAEflhdpPRAc85zzXE6fp/irXgs2mz61HCdTuI725bViElhW+ACxJ5mUKRq4JAXjgbsjF2fR/F2mWV+YLrULP7PaXwnv7/WPMgnUn/R/K3uxiZVxl2CYwcl+tLpq/63/ruCVnZPrb9DqtF+HOi6Bb6lDYbtmoRPExlt7d3RWJJG8xbpBz/y1MnQZzWTN8GfD09rHbyXN0ERZFzHBaxt8+/OGWEFR85+RSqccqcnPMaNDrPiHVNXvNEl1m70a3jkFpAfEDsGn8u3Kp50c534PmnAkxngsua2o/D3i+68NafaXcmpxyxXN48mzUmik2GNzAGdZ3YgOVGDI+Mckih3Sv5f18+oLpr/AFb+kbtz8ONNGiCzt3uZ2hgvY4VluBGGNy+9suqErhgNpAOO4asq80DVNH+HHju7125Se71GwnkO2YSkBbTYMuI4wSdvZFA9+tdF4P03VtM+3pq011KkrwyRG5uvPIYwp5oBJJUeYG+XgDnAxUvj/wD5Jr4m/wCwRdf+iWp3alvf+rkJ3SOgoooqAPi74ff6nxJ/2Drf/wBOVnXaVxfw+/1PiT/sHW//AKcrOu0rjx/xIwxXxIKKKK844wooooA2oPFerWmgRaTY3DWkMcry+Zbu6SPuABViDgrx0xVS11zVrG1+zWWqXttBknyobh0XJ6nAOKoUVTlJu9x3ZZOo3rNbs15OWtQBbkyt+5AORt5+XnnipZtb1W5mkmuNTvJZZYjBI73Dszxn+AknlfbpVGilzMV2XH1bUpY3jk1C6dJI1idWmYhkXlVIzyB2HapovEOtQzyzw6vfxyzgCWRLlw0mBgbjnnA6ZrNop80u47s0E17WI47iNNVvlS5ZmnUXLgSkjBLDPzE981EdV1A6aNPN/cmyByLbzm8vOc/dzjrzVSilzMOZ9wooopCCiiigAr1b4K/8i9rf/YXP/pNb15TXq3wV/wCRe1v/ALC5/wDSa3rswnxv0/yN8P8AEz0ekZgqlmIAAySe1LVHWooJ9Cvorx5Egkt3WR4lLMqlSCQACSfwr0VqzsRHbXujeI7V/s8tpqUEUmGA2yKrqeDj8Mg/iKfbWmkXUa3dnb2UyNK0yzRIjAyHhnDD+I9Cetef+DIItX0zWNIlaG6so1X/AImVmphkuV3ufLkI55A6Dore9bngXUrWw8BaHbzy+XLdebHANjNuYO5xx7D2rtq0PZ8yi3o1p6pv9OxzwqczV13/AAf/AATatZPDM0kltYtpMjwwNFJFCYiUiz8ykDouTyOmamW90O40ORludPl0qNfKciRGgUYA2n+EDkcfSvOzJdf8I9faL4e1R9atDpkssxWAI0EpkztwBuBYF/kbJ4p9w8Vxq02p6eVbRo7/AE1ppkIMY2KdxJ6fLlM+netHhrv4v6v+F+hPtbLRf1Y9DstO0WSxgOnWdg1oH86EwRIYw3TeuBjPuKp2Np4T2XU+m2+jbYkZLmS3SLCKR8wcjoMA5B9KwtDvI4vD+pWsMjJJql5etpSqpIkXBIKkcAZyQe/auWnja90cHSkZ47XQreG/WIcq6zKWRsfxBQ5I64zSjRcpNOTW39P8vUcqiSTSvv8Ahbb8z1Czu9BsNH+0afPp1tpqsf3sDxpCDnB5Hy5zWhDNFcQJNbyJLFIoZJEYMrA9CCOorzKVw+uS6tDIp0Ma9BK06sPK4i2mTPTbvKgt0yK6vwFHInhksVKwy3U8lsD/AM8mkJUj2PUexrKrQUYc9+34rb1LjO8uX+t3/kdLXP8AjX/kA23/AGF9N/8AS6Cugrn/ABr/AMgG2/7C+m/+l0Fci3N1udBRRRQIKKKKACiiigAooooAKKKKACiiigDn/Df/ACHvFv8A2F4//SG1roK5/wAN/wDIe8W/9heP/wBIbWugoY2FFFFAgooooAKKKKACiiigAooooAKKKKACuf8AH/8AyTXxN/2CLr/0S1dBXP8Aj/8A5Jr4m/7BF1/6JahbjW50FFFFAj4o8FF107xS0blGXS4SCADg/wBo2frV/wC36j/0EZv+/cf/AMRVDwV/yC/Ff/YKh/8ATjZ1ZrHF/Ej67JcFhsTTm60FJp9Sb7fqP/QRm/79x/8AxFH2/Uf+gjN/37j/APiKhori+X4Hvf2RgP8An0vuJvt+o/8AQRm/79x//EUfb9R/6CM3/fuP/wCIqGuutPhZ42vtNF/b+HrkwMu5d5RHI9kYhj+XNUot7L8DOpluWU7c9OKv30OX+36j/wBBGb/v3H/8RR9v1H/oIzf9+4//AIimzwS21xJBcxPDNGxV45FKshHUEHoaW2tpby7htrZN80zrHGuQNzE4A59zUrXZfgX/AGTl6V3SiL9v1H/oIzf9+4//AIij7fqP/QRm/wC/cf8A8RXaf8KX8f8A/Qvt/wCBcH/xdU9W+FvjLQtKn1LVdGNvaW67pZPtETbRnHQMT1NW4SSu4/gc8cHk8moxjBt+aOX+36j/ANBGb/v3H/8AEUfb9R/6CM3/AH7j/wDiK1fD3g7xB4rZx4f0ue8WPh5FwqKfQuxC556ZzS+IfBniLwrsOv6VPZpIcJIcMhPpuUkZ9s5pOLSu1p6Gn9nZXz+z5I83bS/3GT9v1H/oIzf9+4//AIij7fqP/QRm/wC/cf8A8RWr4d8G+IPFjyL4f0ua8EX33BCop9CzEDPtnNU9Z0PU/D2pPYa1ZS2dygyY5R1HqD0I9xxSaaV2vwGstyxzcFTjddOpW+36j/0EZv8Av3H/APEUfb9R/wCgjN/37j/+IrSbwrrKeFl8RvZbNJeTy0uGlQbmzjAXO48g9B2PpWPQ9NGvwKjleXS+GnFk32/Uf+gjN/37j/8AiKPt+o/9BGb/AL9x/wDxFQ0Uvl+BX9kYD/n0vuJvt+o/9BGb/v3H/wDEV3fw51LXYtI1H7F4gvLNWviXWKC3YM3kxDcd8THOABxgcdM5z59Xc+AJPJ8P6nLsZ9l4zbUGS2IY+AO5p8zim4nz/EGCw+FwinQgovmS09GdVB4u1i51W502DxrqD3lqoaaIWlp8oPTnyMHqOlSWfiXX7+OR7TxjqMixStE5+yWgw6nBHMHrXB6VYazYX2ma1caaA91cSfbPKd2l2zEEb02DaE2r3OMfls+Gbn7F9ss7q2vY5ZdRndCbOXYVZ+Dv27ce+aucppaSv/n1PiZSktU/61/yOh03xDrd7Yrc6b4uvzbyMzBls7Rdx3HccG3HOc1U1PxTqFvcltS8ZakJNPjF0QbS2IjU5QNgQYJ6juRWT4Nufs2h2um3Ntew3KtJkSWcqqPnZvvldvT3rO8WWF5c3mtm3tJ5RLpUcaFIy29hKSVGOpxzihTqe0ceYE25uLen/BsdjF4r1ua7itovGmoPLNB9ojAtbTDR5A3Z8jHcVDc+NdZtb57N/F2tSXEah3SDS4JdoPQkpbEDODXLaBo99pPjk27wyNpsFjItpOVJAVpFbyy3TIO7A64xWiunXk3jjUZ0uLuzhNtABJFGhWUgtkZdG6e2OtDm0/i0tcXO1fXp/kas/iXUpJp7qfxjqRfSAWlJtLb9zuTJOPI5O09skZI7mpbvxnq1hHZvd+N9QiW9dUtybS1+ct0/5d+OvU4rktR0nULhvFskMl7CsqjyoYolK3P7kDA3ISeePlIqHUdI1TXpjbpYKIbPTVgie6kaHEzgMXT5DuK7VHbnvTU5O15af8D/ADKTd/i/rT/M7651/wARWlrJcXPjHUI4YlLu7W1nhQOp/wBRWevjzUmtJLj/AITXVVWORI2R9Pt1k3PjaAhttxznjA5/CoLXVbn/AIRSPUbmwuTdLBue1ER8xnHBAXGeT7dK5ixv9T0/RNS1hrG9u9cvnQG3+xTKsA5CLyvzBRkkjPOB3yZjKo73e39f0xRlNrVnXSePNSis4rl/G2qbJWdUVdPt2fKZ3AoLbcMYOcjinahquuanYafu8V39zbXGoWLIRBaAHNzEVcEQjkHDDtkDIIyK52ySHTvCf2W5h1W9e8aVrmeK0lRjKRuOVwHAJ4BxjjmtWxiuoNA0GLUERLlL3ThIiKFCn7TFxgcDHTjiq55KS16hzyutep6X/Zutf9DlrP8A34sv/kej+zda/wChy1n/AL8WX/yPWrXNaj460zStYvNNvY5lltLV7klHifeqhTgIrlwTuGNyqD2NbqUnojZOT2ND+zda/wChy1n/AL8WX/yPR/Zutf8AQ5az/wB+LL/5HrCtfHVw2o39rdaJeCdLxba1sYxF55HkCVmc+b5eOvIboQOtDeJtZuPhzYa/aDT4bqaASyrNFI4ZiDtjjjVgWZn2qPm79+lO8/y/Ea5mzd/s3Wv+hy1n/vxZf/I9H9m61/0OWs/9+LL/AOR6x/B/ijUtdutuqW9vbrPbG5hiiVg8IErRlHJYhj8oOQF7jHeqtn8RBHYySaxp00ZE10sUyPDHDKsU5jwGklG1gME7toOGxnpQ3NC95/18zov7N1r/AKHLWf8AvxZf/I9H9m61/wBDlrP/AH4sv/keudvvifpMNqhgWaOSfTft8TyiIhVKuQNhlVpD+7IITI6fMM5rZ07xdY6j4luNCjWRbu2jDuzvEobKo3ypv8wjDjnbt4PNHvg+ZFn+zda/6HLWf+/Fl/8AI9H9m61/0OWs/wDfiy/+R6xm+I2npJGj6ZqY+0TyW1odkWLqVJfLZE/ecHPOX2jAJzwaiT4i2Zu71DaXpa0aCCSyECCaOaSZogpbzdp5A6cYOdxzgC52P3kb39m61/0OWs/9+LL/AOR6P7N1r/octZ/78WX/AMj1zEfxRt/tmrG40m9htNMWJJWdoQyzNM0RVj5m0DK/ezt4YkjjPZ6dfRanptvfW/8AqriNZFw6vgEZxlSVP4Ej3obmlcTck7M43Totah17xGkPirVEI1FN7iC0JkP2S3+Y5gxnGBxgYUcZyTp/8VB/0OGrf+A9l/8AI9V7L/kZPE3/AGEY/wD0jt6emt6VJYy3sep2b2sDbZZ1uEMcbccM2cA8jr61hOpPm0ZnKUr6Ev8AxUH/AEOGrf8AgPZf/I9H/FQf9Dhq3/gPZf8AyPUlrdW97bJcWU8VxBIMpLE4dW+hHBqWo9rPuR7SXcrf8VB/0OGrf+A9l/8AI9H/ABUH/Q4at/4D2X/yPVmobu8trC1e5vriK2gTG+WZwirk4GSeByaPaz7j55DP+Kg/6HDVv/Aey/8Akej/AIqD/ocNW/8AAey/+R6pjxT4fNu1wNd00wqwQyfbI9oYgkDOcZwDx7U6TxNoMVvFcS63pyQzZ8qRruMLJg4O05wcd8U+eqPmmWv+Kg/6HDVv/Aey/wDkej/ioP8AocNW/wDAey/+R6SPVdPmmgiiv7V5LmPzYEWZSZU/vKM8j3FOt9RsruzN3aXlvPbLnM0Uqsgx1+YHHFL2lTuLnmJ/xUH/AEOGrf8AgPZf/I9H/FQf9Dhq3/gPZf8AyPSWWqafqSsdOvra7CgFjBMr4Bzg8Hvg/lVqh1Ki3Yc8it/xUH/Q4at/4D2X/wAj0f8AFQf9Dhq3/gPZf/I9SvcQxzxwvLGssoJjjLAM+OuB3xmpKPaz7i55Fb/ioP8AocNW/wDAey/+R6x/F39uf8ITrnn+KtTnj/s643xPBaBZB5bZUlYAcHpwQfQit2e5gtlVrmaOFXcRqZHChmJwFGe5PAFYfie/tLzwV4jS0uoJ3t7G4jmWKQMY28tvlYDofY1Uak21qVGcrmv/AMVB/wBDhq3/AID2X/yPRVmip9rPuT7SXc+ZfBX/ACC/Ff8A2Cof/TjZ1Zqt4K/5Bfiv/sFQ/wDpxs6s104v4kfovDv8KfqFFFFcR9MbXhDUtM0fxdp+o65bSXVjay+bJDEAWYgErwSAfmweTXu2hfFHxF4z+ItnH4W0ub/hGVIS6knt8FflyxZwSFI7AHn8ePBvDHhq+8W69FpGlGEXMqsy+c+1cAZPP0r0DQtR8bfCnxZa+E44Ledbu5SZoo4t4uQ4VTtcgHgDHsQc5FdlCUk4p7X+9niZlRpVnK1nUUXo3su/qQ/H99Nb4jr/AGeUNyLRBebMf6zJxn/a27fwxXmlrcy2V5DdW7bZoJFkjbGcMpyDj6ivXP2gfCuk6LqWmanpUEVpLqHmi4hiG1WZdp3hRwD8xz68e9eO1zSvGb73OzL3Cpg6dtVa2vloes+Fvif8SPFfiWz0ew1WISXD4ZzZxERoOWY/L2GT+ldB8d/HcltbR+DbC4MsjRo+ozkDc3QqnHAJwGOAOo9TTf2fNJgsNG1vxVeAARgwIxH3URd7nPvlf++a8W1rVZ9c1y91S7JM13M0rZOcZOcfQdPwrerKUaag3q9X6dDz6OHo1cdJwglGn2W8n/l+Z9BabdXyfs42z/D7e2oRwqsotU3Sq+/99gdd3U+uDkdqJbnUn/Zz1FviIJFvGikWH7Yu2Vmz+6yCM7t2OvOBk1FEU+GHwHtta8NWkTalfQ28k91Im47pADk+y5wB0yR75l0OUfF34P3tx4ttoRe2bSpBeqm0hlQMHHpycEDg4roq/wDLyPVLVdF6HkpJWqW9z2nxfa/4b+rHP+HYrm9/Zkvbbw0k0uoi7xPHaAmUnzVJ4Xk/Jj8Ks/GDRZvEfiDwToUJDavcQMlwTyyKdmWb2G2Q/ga8W0rXdW0KV5NG1K7sHkGHNtM0e/64PP416r4BuJvDfg3WviX4hnlu9QnQ2mnNdSF2kbpnJOSNwA9gjVkpxmtVorX+Stp6nqVsNPDVPbRd23LlXVudlr5LcyPjNrlsuoWHg7RTt0zQIhEQDw82MHPqQOPqWrzGvbLDwX4U0vw74d1PxnaXmsal4puUBkW4aMQGX5g2FIz95c5zkk/SuA+JXhCLwT40n0q1leW1aNZoGk+9sbPBwOoIIrCrGak5T3vr672+47MBXo2WHp30T1fWzs395yVFFFYnqhXefDn/AJA+of8AX8f/AEVHXB13nw5/5A+of9fx/wDRUdKXws+V4p/3GP8AiX5M6+iiiuc/NiK4nW2tZZ5ASsSF2C9SAM1S0rV21aGKdNOu7e3miEsc0xiwwOCOFckHBzyKs6jE8+l3UMQ3PJC6qM4ySpArP8NaP/ZWi2aS/aFuRbRpMkl08iqwUZAUsVHP92tFy8rb3K05fMkudfhtNUis57S7VZZlgW5MYERkZSQoJOT06gEA9TT7LWRqF7PDb2Vz5UEzwvcsYxHvXqAN27rx92qGrW+pX+rWiQWHkfZ7pHXUVmX/AFOMuuOGBONu3BB6k1UstEmj8TWt1baQNMWGS4a5uBOr/ag/3RnO45PzYYDbjAq1GHLrvYvljb+vM17rxFZWN9d2t4JIWtrb7UXcDbIg67Tnkg8Y46ioF8SiS6htoNKv5Z5bVbryx5SlEJIG7dIOeOgzUfijQ/7Ym0hxarcfZb5JJNxA2xYO7qeRkLxVfWPD13qniSe4imuLRDpghhuYLgxlZfMJAIUgkYI6jH40RVOyuCUP69bf8E3dM1GDVtMhvrTd5Uy5AcYZTnBBHqCCKt1l+HIbi28PWlveWaWU0KbHiQqVyP4hgnr19ea1KzmkpNLYye4VT1Drp/8A2FLH/wBKoquVT1Drp/8A2FLH/wBKoqdP416lQ+JHfa9ra6DYfansby9UBmZbSNSUVVLMzFiqgADuck4Aya5aZvDF1rF952iarM9zazTKf3hjvFZI/MEUW/qQ6AnYoJHUkZro/EujXmuWEVrZ30FrGJQ9xHPbGZLhB/yzYB0O0nBIzzjB4JBpXHhvWJ9Vnv49fSCQ27w25jsQDEWUD5vn/eKrBmVSMgtyTXoxsvxO1WVjMtNN8MT+HbvUP7O1SJobxjMkl9KbtbhB5WBIJSckELw+CDg1T1HUfD0FnBo0nhzxAsWjobi0SB3hZY0DqZQ4lUgAKwHmEE7htBzXTWfhqWHQrHTbm6t3W1uUndoLZoxNtbeMhnY7i+GLEnJz3OayrvwZrd3NdmTXdPdLy5Es4l0p2Msa52QOROMxDP3QBnnOdzZq6vv/AFp/X9XGmuv9f1+pY8PXGhWniGWz0vTr63ku4jNHdXJZo7hRtdvL3uWAzNk/Kqli3Ug1ix23gm80TVfEEVjeSW+k3Fw3mRag5ZXD75HhCzfuyx5z8hII/hIz1NvoN8vicard6qssSRlEgithEeQvys4Y70BDMoIyC5+Y1C3hLd4I1Hw99t/4/Tcn7R5X3POkd/u55xvx1GcdqLre4otde6/4JQfTvAmqWFlaPqFtPac2ltbjV3Mbtg5UIJMM439eWGR7Vbnu/DVpNqOuw3f2650eB/Pigvmm+zgLgqIi+xGITHQE4OT1rNv/AIare+LLjWf7SPl3RjWW0ZZlQoqxjAMcyc5jzlgw5Hy8VP8A8ILdy/24b7XGuX1a0e0DtC5MSksQcNIRxuxhQi8dBzRdW3GraXfb/gnO6JP4AnVEvNQW5a6lu5o7ye7MMcLC5Viqfvf3T5aMhkwWChs8iutk8PeENHmhS5Fvaz3k0Rj+0XjCS5lSXzEOWbLtvbPcnIByMCs+H4dNHbXEDaohje0vrWHFqQY1uXD5J3ncVIPTGQR0xzp6n4UmvbyzuLfUI4WitRaT+daLOJI96PlQxwrZTqQw56cCm3G6s/61/wCB94m731/r+r/cVks/BcU+qXNvqcFvJu8vUJLfV3iMbNKXw5WQbGLlsdDyVHBIrY8P3ehyaetn4cvrS6t7RVXbbXIm2A8jcck5PJyTk1gDwDdS6hdXWoa2bszzQPiSFzhYpxKFw0hUZ+78oVe+3rm94Z8HL4d1G6uTd/avN3LCWM26NGkLlTulZDyf4UTv61OnLqwlbXUp2679e8UrsWTdqCDY/Rv9Dt+D14rlDoV/c2t+Z9BnhgkmtGWzgvIopcRHlY2Q7Ai/Lt5Rjzkjiutsv+Rk8Tf9hGP/ANI7etGueUnGTt5GTk0zk7oajp/w3mfUb5rO9t0aVJZrjlcSbo43cH5iRtQ8nOT1zWTd6d4svdI0u4guLtHuFmnuY4ZCXgeQhowAZYgVRcjaSRnqp7ehUVKqNa2JU7HDTWPipvF3nJHcLZhJI3kS6Ply/ucK+wzEKd/YRrj+83JrpvDljPp/h60hvZLiS7MStcNcTtM3mFRu+Yk8Z7Dj0rTrJu/E+lWF1Nb3s01vJDE8zGS1lVWRACxViuHwCPuk0OTkuW39ILuWiOZn0HWYvCvhuCC2uRdafd+bOtrJB5ka7ZBlfMOwn5h1z1qe70bXtS1HS7m2ub/T5re1uo2u7pbV5FdimwMqAoVOD90A4HJBratfF+i3l1HbwXE3mySCJRJaTINxXcoJZQBleRnr2zS/8JfogW4drxlS3jeV3a3kCsiHDsjFcSAHrtzV80+3f8UVzSvscTd+FPEBs9MudM0421/Y2BiAe4Rv3rSESc7uQVdn7dhweK6DS/DFxYfD/VdEELIztdLbIkoUsrFvL5U8Z44JHvVjUPHVjYxzSiGWZEWAqiwyiU+a5QEoYxhflODkk+nIzebxdoyXV1bSzzRTWkXnTLLaTJhN20EZUbsngAZz2zRJ1HG1u/8AmPmno7bWOam0LxPFY3Fppkl3C5jsls5WvsrAyqfNZgWJK54K4O7I7DIc2l+KZNQ0popL+1t47eFXDTidopA58wyHz1DhhjnbJx0CmuhufGGkQWQnWeR3YSbYRbyeYCg+beu3cgGRksABkHvWlpV9/aej2d95flfaoEm2bs7dyg4z360c8/ia6k3aVreRyWk6Pra+LLO71KC7byHu/PuZbtZInDt+78tNxKjbgEBV+h61cu7LXh44+02X2l7J12kzS7YYf3ZGVVZvmO7HDRHv8w4rq6Kjnf6C53ds85svD/iiXToE1R7meSO+s5ZI5nUjKSZkkVzM5xjthBwMKORWg2jy6L8MvEsFwsqPJFfygSTmXKtvKnJJxlcH68nnNdtWP4w/5EfXf+wdcf8AotqtVG3bz/y/yHzOTs/63/zNiiiisDM+ZfBX/IL8V/8AYKh/9ONnVmqng11TSvFZdgo/sqHknH/MRszUv221/wCfmH/v4K78Wm5Kx+icP1IQpT5mlqTUVD9ttf8An5h/7+Cj7ba/8/MP/fwVx8sux9L7el/MvvNLStUvNE1a21LTJmgurZw8cg7H+o7EdxXtFr+0pKtkovfDSS3argvFd7EY9yAUJH0yfrXgv221/wCfmH/v4KPttr/z8w/9/BWsJ1YK0TixFDBYpp1bNrz/AMmdZ4r8dap4x8TRavq23bAw8i2j4SJAc4Hue5PX6AAbnxM+J0PxAtNPhg0ltP8AsbuxYzB9+4AdlGOleb/bbX/n5h/7+Cj7ba/8/MP/AH8FS3Nx5XtuWqeEU4TTV46LXa56doXxVi0X4WXfhFNJd5bmKeM3YnAAMmedu3sDjr2rzeofttr/AM/MP/fwUfbbX/n5h/7+ClLnla/oXSWGouTg17zu9ep6l4P+Mt3oHh3+wNd0mDXdMVfLjjmcKVT+4cqwZfQEceuMYl8UfGiXVPDD+H/DWh2+g6fKhjkETBiUPVVAVQoPOeuc9q8o+22v/PzD/wB/BR9ttf8An5h/7+CrlOrJWZz/AFXAe09ppe999L97XsWYRG06CdmSMsA7KuSozyQO9d18R/HGn+IrPSNF8MxT2+iaVAFSOdQrPJjG4gE9AOvqWrzz7ba/8/MP/fwUfbbX/n5h/wC/gqPf5eWx0ydCdSNRyV43tqup7HpPxM8L3/hfw/YeMLPUxdeHpkltpLEIVm8sYUNuII4AyPbqM4rifiD4wbxv4vn1fyDbw7VigiY5ZUXpk+pJJ/HFcl9ttf8An5h/7+Cj7ba/8/MP/fwVU5TnuvP57GFGjhKM+eElfXrtd3dvmTUVD9ttf+fmH/v4KPttr/z8w/8AfwVnyy7Hb7el/MvvJq7z4c/8gfUP+v4/+io689+22v8Az8w/9/BXaeAtb0qz0q+S71OzgZrwsqy3CKSPKjGRk9Mg/lSlGXK9D5jiapCeCiou/vL8ma/iXxNcaLqVpBawxyxKonvmcHMUO9U3DB65J6+hq7qfiSHTb6S0+xXl1LHa/a3+zqhAjyQT8zDnjoOfSsO6g8Mahfalc6h4ktZWvUEarHqHlLFGFxtIV8PySeeOelUGaD+1FRPFWmCMaQtk948sTeYd5z8nmZDYIOckfWnGnFpK2vz/AK0PgFGL/r0/4J0934u0+zmsxIkzQ3mzyrgBQjb8YwCwZuoztBxkZqrqnjE2un381hplzObKf7O8rlFjD7gv9/cR8w6D6461iS6ZoIkK2XivTIbdjbErI8ckmIQAq7944OASMdfyq9OugzaPqlj/AMJPpynULs3Qk86M+WdysBjfz931HWmoU01o/wAfL/gi5Yq3y7mnP4wtreaWOTT77MM6W8pCIQkjgFV+/wA9ccZ5/AmRPFVrJCvl2t0101y9qLPanmeYgywzu24A5zuxWK6aLMLlp/FWlmS4vYbxykiAAxhcqAXPB2+vGe9RXNj4cuGeRvEWjyS/b5LxBcNHJGA6gFGTeNw4znI5ApckLar8/L/ghyw/r5/8A2n8Z2IiieG1vJ/MtXu9saKCqIcODuYcg549uM1NbeIWu/EsWn29o7Wslkt2txleQx4OM5A7dM57AcnEjg8Px7dviXS1xp0tkQjQoCXbcXCqwA57Y/Gp7GbRbDU7O7i8T6WwgsEspEaVP3gU5DA7/lOfY/1o5IdF37+f/AE4xtov60/4Jttr0X9rXdhHZ3cr2aq80kaKVUMpYYG7cxOMYAJzWTd+OYhp15JYWU0lzaTRRSwu8Z2bzgElXIPORjOc9cdaiun8P3Umts3iXT1GrQpFhbiPMW1Suc7uevTis/7Fo7298k3i3SN9ytuqeV5aJF5JyoC+Ycg+mR/SiEIfaXbv5X/UajH+r+X/AATph4ntft4tmt7lR562zzlVMcczLuEZw2c9BkAjJ61e1Drp/wD2FLH/ANKoq5KG28Ox62dQbX9DYyTi5lykLSGQDkK7MSikgNjBIPRq277xJobmx2azp7bdSs3bF0hwq3MZYnnoACSewFJQSnHlXYXLaa5T2OisP/hOPCn/AEM+jf8Agwi/+Ko/4Tjwp/0M+jf+DCL/AOKrq5X2N7MzfGeqa3Y6hpsehRX7bpFaYwweZE6b1DK2IXOdu4/ej46EnisrxDqXi238RanBp1xdfZdqPA8VlIyQKDFuHFq+52/eAFWkAzyg2kjp/wDhOPCn/Qz6N/4MIv8A4qj/AITjwp/0M+jf+DCL/wCKqlddC07dDz5NR8aHM8VvqFp9pmVXhjsQk05MUADtKLVl4O/JYR+mRt2i54bvfGFu+h2Ki6+zx2MQdb61kTzG2uJFYi3+VlYAKWkTICk792a7X/hOPCn/AEM+jf8Agwi/+Ko/4Tjwp/0M+jf+DCL/AOKqm3a1gvpscz4O/tW78RXl7qh1SaWTR4I5XvrD7MEm3SF4kwihgC3X5uv3jVbQV13SdLtZY7G5jFnpOntJEtkPMmAeQTRZK7iwU5C5yDjpuOev/wCE48Kf9DPo3/gwi/8AiqP+E48Kf9DPo3/gwi/+KpXfb+tf8wu3fTf/AIH+RyemDxc14kF1Jc2Ul3qQN3dW9hECI/sYf7xjKkCQBA5yeAM9qr6J4i8VvfaMNfmv7We6vo4JLWTT1jheE25bdvKZ3l1OVDDGCNoHJ7T/AITjwp/0M+jf+DCL/wCKqiuu/D9dWOqLqvhpdQYYN2Li3808Y+/nPTjr0pp66x7fgF7p6f1r/XyOqorD/wCE48Kf9DPo3/gwi/8AiqP+E48Kf9DPo3/gwi/+KrPlfYizMuy/5GTxN/2EY/8A0jt60a5iz8WeHV8QeIZG1/Swk1+jxsbyPDr9lgXIOeRlSM+oI7Vf/wCEw8M/9DFpP/gdH/8AFVhOMubYzknc2KKx/wDhMPDP/QxaT/4HR/8AxVH/AAmHhn/oYtJ/8Do//iqjll2J5X2NiuVuvh7pd5qd5fTXV4ZbtJo3x5eQsq7WG7ZuIAxtDEhcYHHFaX/CYeGf+hi0n/wOj/8AiqP+Ew8M/wDQxaT/AOB0f/xVNKa2GuZbDF8KWK3XniW43faYbrG5cbo4/LUdOmBz71UbwLpz2s1rLdXskDwzQQxs6YtUlOXCHbnsPvFsAVe/4TDwz/0MWk/+B0f/AMVR/wAJh4Z/6GLSf/A6P/4qqvUGudbEWp+ErLVJ7uaW4uYpLqOBC0TL8nkuXQrlTzk85yPaqzeBbOZdUW71C+uk1Vt9wswhPzDG0g+XnC7RhSSo9Oavf8Jh4Z/6GLSf/A6P/wCKo/4TDwz/ANDFpP8A4HR//FUL2iBc62KS+BtPitoIrW5uLR4llQy2scEJkSTG5WVYwvO1eQobgc1u6fZR6dpttZQFmjtoliQucsQowM478Vn/APCYeGf+hi0n/wADo/8A4qj/AITDwz/0MWk/+B0f/wAVSfO9xPme5sUVj/8ACYeGf+hi0n/wOj/+Ko/4TDwz/wBDFpP/AIHR/wDxVTyy7C5X2Nisfxh/yI+u/wDYOuP/AEW1H/CYeGf+hi0n/wADo/8A4qsnxV4q8PXHg3WYbfXtMllksJ0SNLyNmdjGwAAB5JPaqjGXMtBxi7o66isf/hMPDP8A0MWk/wDgdH/8VRU8suwuV9jxv4If8jjcf9w//wBO1jX21XxL8EP+RxuP+4f/AOnaxr7ar3T1AooooA4r4ieNNQ8KR2Meh2cN7dy+bcTxygnZbRLukYYIweQAentWjqXjWzsbzTrW1sL/AFObUrV7u3WySM7o1AJOXdR0YEevTrgGK/8AAtrrHiu61jV7y6mjktFtILa3nlt/KTJLgtG4Lhjjg4HHeueh8C+INL1jw7Dpepq8Wl2N1bDUJ7dXCB2Xy0aPzAzYUYBBA+UZ44OseRxS66/k/wDgfiZS5021tp+a/wCD+Br6h8UdD07RbHV5IL19PvIlkE6pGojydu073BZwQ2VTcQFJxjGU1r4irY2uvtpmi317JoiHz5SYkhVigdeS4YjB/hUnjpyM4t18HB/ZrWWl64LeObTksJ5J7ITSECQyFkO9dgZjyuD0/GugfwIJdP8AFFrLqJP/AAkI5ZYceQfKEfTcd3TPb096qSpWdvP81b8LgvaXV/K/3a/iVJPihZ2VrK+o6RqayWdvbz3pijiZYVm4U8SEkZ7DJwehwcXV+Imm/Z7nzbHUIb23vIrL7A8aedJLKAUC4cpyCTksMYOcVnT/AA2uLzTtZgvNZjM2qWlrbNJFZFVj8gnB2mQ5yCOM/wCFSat8M7fVrrU7ie8ieS7vre9hSa0EkcbRJs2upb94rDOR8vWm/Zcz7f8ABX6XJXtLf12/zLR+I+mk2UUOnalNd3klzCLRI4xJHJAMyI25woOOhBIPrUdt8QP7T8ReHrTStNmmsdYtJLr7QxQNGFwMbS3G0n5uvtnnBYfD5bK80e5W8tkbTjds8drp8dvHKZ1C8KhAUKAOu4nHJpNH8AS6LN4blttVR30W3ltpPMtSRcJIwY4w42MMdfmHtUr2fX+vi/8AtR/vLf13X6XNUa9dH4jt4f8ALh+yDShe79p8zf5uzGc4xj2znvUOs+OdP0a/uraS1vblbCOOW/nt41KWaOflZ8sCeMnCBiAM4o1Hw1qUnjIeIdI1S1tZTYCyaG6sWnUr5hfcCsqYPbvVHVfAdxqdxqLrq6W8etW8UGrIlpnzdgxuiJf92SpI+bfjj0qY8ul/61/yKfNd2/rRFu88faXY+JbLRrmG6Vr6VYbe5ITy5GZcgqN3mMvIG8IVycZ61HpPxD0zV9UtbOGyv4ReTT28E8yII3lhzvThy2cDIOMH1zkVmf8ACsXi1xLqz1eKKyXVYtT8hrLfKzIoURmXfygG7Hy8bu9XNL+H/wDZtxo0n9p+Z/Zd9d3mPs+PN88MNv3uNu7rznHQVdqVib1Lv+u//AOzooorA2Cub8L/APIxeM/+w1H/AOm+zrpK5vwv/wAjF4z/AOw1H/6b7OgDpKKKKACiiigAooooAKKKKACiiigAorI1fxJa6LciC7huGdrdpovLVT5pVlUxrkj58uvBwOetZj/EPRVa5VVuXa3SCRlWMZZZU3ggZ/hUEt6Y71tGhVmrxjf+rGcqkI7s6qiuXk+IGkxS30bQXmbKURnEQ/fDcys6fN8yqY3yePu96hvfHlva6vDF5T/ZGa4hyygPPNG8aKsWWAILORzjkdgM1awtZu3L/VridWC6nXUVzT+PNHTxA2juzi4WTyWO6PiTbu27d2/pxu27c8ZqKDx/YTW6yf2fqEbSxQTW8bpHuuFmbam3DkDng7itL6tWtfl7fiHtYLqdVRXGn4gR6fos2oa1ZyRKt5cQCNJIUdFjbABDyjc2Oybun0qq3xDltJLaS7tPOt55rqIJap+8YpOkUeNzAc7+c/pVrB1nshOvBbs7yiuZh8eaTL4gTR5Flgu2kELLI8WUlK7thUOWPpuAKZ43VQvfiJCdP1BtLtWa7sJIBJFJJFIGEkuwgNHIwDcHgkYOMipWFrNpW7fjoP2sO52tFclp/juKTQtPvNTsLmCe9tlnjjjVWEpMioFQ7uuXU4OODzjpT4fiDpk7XcaW1yZ7Z4o/JjeGUyPI5RVDJIyg5HIYrjvQ8LWTfu7f52/MSrU2r3/rc6qiuV0rxqk8jRavbSWbtPdLExUbVWE8oxDH59uTxwcHBqmvxKsIsyXdtdRpI4EaypFAY1MaP8zPNtJIcHAweoxwTTWFrN2SG60EtWdtRWFN4tsoNSe1a3umiS4Fq12qqYhMU3hPvbskEDO3bkgZrPf4iafFpVjqFxp97bwX4ZoDO9vGGUAHdlpQozu4GdxweMVEcPVlshurBbs62isnVfEEWmXEVslnd39xLE8whs0VmEa4y3zMM8kDAyTngGsyf4gaZbW0tzNaXy2qpM0M5jUC4MRw6qN24EYP3wucHFKNCpNJxW/9f18+w3UinZs6miuatfG1pc6oljJp1/bSNci1LzLHtSUx+Yqna5PK88A474rpamdOdP4kEZxlsFFFFZlhRRRQAUUUUAFFFFABXN/Ef/klniv/ALAt5/6Ieukrm/iP/wAks8V/9gW8/wDRD0AdJRRRQB8S/BD/AJHG4/7h/wD6drGvtqvgn4deK7Hwjr0t9qUVxLE/2XAt1Vm/dX1tcN1I/ggYD3I6DJH0T/w1X4I/6BXiD/wHg/8Aj1AHttFeJf8ADVfgj/oFeIP/AAHg/wDj1H/DVfgj/oFeIP8AwHg/+PUAe20V4l/w1X4I/wCgV4g/8B4P/j1H/DVfgj/oFeIP/AeD/wCPUAdz8TbyWz0jSClzeQRS6xbxT/YpJVkeMk7lHlfOcjsvPpWDFrmv6Ct02mrdNp19rdtZ6cdeWdpFWRMSHEjCTaGA27j61y+pftKfDrV1thqGieIJha3CXMP7mJdsifdbiYZx6HijUv2lPh1q62w1DRPEEwtbhLmH9zEu2RPutxMM49DxWkJKKs+/4af5fiZzi27rt+Ov+a+47bUfHOuaeus3W3T5bPw/PBb3ieQ6yXTNtLtH+8IjADjAIfODyKjTx9rlxqMM8EWnrpk3iIaMIniczBQPmkLh9uSQcDbxx1rgbz4+/CzUNWOo3fh3xA9wzI0gCIscrJ9xpIxPscr2LAkcegrm2+LvgaTxmNalGvm3Gpf2ktsunxKwkCgAZFzsxkAlvL3HoWNXCUNOb+tvz19LkzjOz5f63/LT1PY4PHOuS6Lc38sumRM+qS6bZWyWU0skjJIQDgSfMxVSNp2LnkuBxUGnfEHxHqg0a1jt9PtLy8m1CG4aaF3VGtxkEKsnGehG4+xrg5Pjx8KpNM+wHw94iW3F2b5fL2o6TlixdXFwGU5J6Edabp3xz+E2lG0Nh4b8QxGzaZoMhW2GUASdbg5yB36dsVPNC239W/zK5ZcyfT/g/wCVjvtD+IXiS/htHl0+xupdQ0ae/tra1R0YSxMF2EljuDHkYAIzjnqd3wB4uu/Esd9DqzW0d/aGMyWq20ttNBuXJWSKQtjkHDKxBBGQp4rySL45/CWGCCFfC+umK3tJLONHjjcCFzlkIM5zk9zk1a0b9ob4Z6A876ZoniRZLgIsss22d2CDCruknY4AJwM4FVKVNp2X9Xf6WJUZq2v9WX63/rb6CorxL/hqvwR/0CvEH/gPB/8AHqP+Gq/BH/QK8Qf+A8H/AMerA2PbaK8S/wCGq/BH/QK8Qf8AgPB/8eo/4ar8Ef8AQK8Qf+A8H/x6gD22ub8L/wDIxeM/+w1H/wCm+zrzb/hqvwR/0CvEH/gPB/8AHqyNG/aV8H6dq3iC6n03XGTUtQS6hCQQkqotYIcNmXg7omPGeCPoAD6EorxL/hqvwR/0CvEH/gPB/wDHqP8AhqvwR/0CvEH/AIDwf/HqAPbaK8S/4ar8Ef8AQK8Qf+A8H/x6j/hqvwR/0CvEH/gPB/8AHqAPbaK8S/4ar8Ef9ArxB/4Dwf8Ax6j/AIar8Ef9ArxB/wCA8H/x6gD22ivEv+Gq/BH/AECvEH/gPB/8eo/4ar8Ef9ArxB/4Dwf/AB6gD22ivEv+Gq/BH/QK8Qf+A8H/AMeo/wCGq/BH/QK8Qf8AgPB/8eoA9R17wvHr95aTzale2v2N1lhS3EOA4Od3zxsT24zjgcVjQ/DGwglSSLWNUVk8zBxbn/WDa2f3PIxwAeg6Yrh/+Gq/BH/QK8Qf+A8H/wAeo/4ar8Ef9ArxB/4Dwf8Ax6uiOJqwjyxenyMpUoSd2ju0+G9pGtoq61qmLOKSKHItzhXBDA5h+bO48nJ5PrTI/hlZRW4gGuaw8SxPCqStA4VHxuADRHGSoOeueepJrh/+Gq/BH/QK8Qf+A8H/AMeo/wCGq/BH/QK8Qf8AgPB/8eqvrlf+b8v66sXsKa6f1/SX3HoMPgPyL1rqHxPrySOP3iiaHZIdu3LJ5W1mwB8xBPGc5qFvhtaPbxwHXNXCRQRW8eDbhkSNtyYYRZBB53A5964T/hqvwR/0CvEH/gPB/wDHqP8AhqvwR/0CvEH/AIDwf/HqX1qt3/BB7Gn2Ozk+FOnyxeW+u65tKyK5E8QMgkOXDkR5cEjOGzUrfDGxdIFbW9XIt5GliyYPlZpFkJ/1XPzKp59PSuH/AOGq/BH/AECvEH/gPB/8eo/4ar8Ef9ArxB/4Dwf/AB6q+uV/5vyF9Xpdj0L/AIQT/iYTXg8S64sk+fORZIFikJXaS0Yi2E44yRngVTg+F1jbwtEmva2yMkSESzRSfLG25FG6M4APQDiuJ/4ar8Ef9ArxB/4Dwf8Ax6j/AIar8Ef9ArxB/wCA8H/x6ksXWWif4LpsP2NN9DtT8NB5enWi+ItRbTtPLNFBNHBI6sRgbXKcKP7pBHTGMCiH4W2MELxJr2uFWSOPLzxMyLG25ArGMldp6bSMVxX/AA1X4I/6BXiD/wAB4P8A49R/w1X4I/6BXiD/AMB4P/j1P67X/m/Beovq9Psd1J8NLObSv7Om1zV5LXzmnKu0DMZGzuJYxbjnJzk85Oafd/DyK9+0+d4k11RdNunWGaGISnYEwwSIAjaoGOn51wX/AA1X4I/6BXiD/wAB4P8A49R/w1X4I/6BXiD/AMB4P/j1L63Wve/4IfsafY75vh5A2oC8Ovat5oYOFH2cR7wuwP5fk7NwXgNjPvRL8PY5tHg0s+JdeSxt4/KSGKaGMFMY2ttiBYY7NmuB/wCGq/BH/QK8Qf8AgPB/8eo/4ar8Ef8AQK8Qf+A8H/x6l9araa7eSD2NPsd7d/DuG+hjjufEWuERhwjLLCjBX+8m5Ygdh4+TO3gccCoG+F2nskyHWdW8qVHjMWYPLRXOX2J5WI845KgZrif+Gq/BH/QK8Qf+A8H/AMeo/wCGq/BH/QK8Qf8AgPB/8eprGV1opfkHsKfY9HtPBFtbasl/Nquo3brci7Mc3khGlEflhjsjU8L2BA45zXTV4l/w1X4I/wCgV4g/8B4P/j1H/DVfgj/oFeIP/AeD/wCPVjOpOo/eZcYRjse20V4l/wANV+CP+gV4g/8AAeD/AOPUf8NV+CP+gV4g/wDAeD/49WZZ7bRXiX/DVfgj/oFeIP8AwHg/+PUf8NV+CP8AoFeIP/AeD/49QB7bRXiX/DVfgj/oFeIP/AeD/wCPUf8ADVfgj/oFeIP/AAHg/wDj1AHttFeJf8NV+CP+gV4g/wDAeD/49R/w1X4I/wCgV4g/8B4P/j1AHttc38R/+SWeK/8AsC3n/oh682/4ar8Ef9ArxB/4Dwf/AB6sjxZ+0r4P17wXrekWem64lxqGnz2sTSwQhFZ42UFiJScZPOAaAPoSivEv+Gq/BH/QK8Qf+A8H/wAeooA+SaK9E+DP/IzXv+5Y/wDp2sa+ua0hDmIlPlPgKivsmw8V3d/4q1DTZNY0Wx+y332eK0mhJuLhcKcg+cvJyRwp6VkR/E+9aLWIJba2jvrLUFitwUbZNbm4ERb72SwOc9skcVC5XbXf/gf5nSsPVey7fjt0Pk2ivrY/Em+t9W8UWl3b2oXTllGnFUYGaRGVdrfNzzJH0x1NOfx9rZ+H+maja2VnNrt/PNGtsFby8RGQuQN2fup69SKXNDl5r/1ew/q1ZW03dt/K/wCW58j0V932Gpx6loMGqWuDHcW4nTPuucVyWl+Ltb/sfQNY1X+z5rPV5kt2itrd45IGkyEO4yMGGRgjA61o4JS5W/6ehhCM5ptLb+v0Pj2ivsj/AITLUP8AhEv7U8m28/8Atf7Dt2Nt8v7R5ecbs7se+M9u1F94xvIviE3h6GXTrQIIWRL9XVrxWzv8uQHAI4AUqckHn0lcrtrvb8Vf8jT2NW7Vtr/g7M+N6K+4te1ufStV0S3hWIx6hdtDM0gOVURs2RyMHKjrmoNP8a6fqN1bxpb3kMV4kj2VxJGNl2I/vbArFs45AZQSOgquWN2r/wBWT/Uz5ajipKOm/wCf+TPiSivs4/ErSI7bU5Li2vYX0xI3nhIjZwHbaPuuQCD1ViGHpVifx5ptpp2o3V7bXdq+nTxwTW8ojD7pApQgh9uCG6lhjBzilaFr8xXsq17cn9af5r7z4por7w0zVE1LTfthtrizXLBo7pAjLg9eCQR3DAkEd6w0+IGnNbm4NlqCwyW0t1aO0af6ZHHyxjG/OccgOFJHanKMY7siKqSbSjsfFdFfbM/jrSYVumC3Eq20EEpaJFIdpv8AVxrzy549uRzTG8dWaiKP+ztQN5JetYmzCR+YkoTfgnftwVwQQxHPUc4OWN7X/q9vzKUKrV+X+rX/ACPimivvuNi8SsyNGWAJRsZX2OCRn6GsLw5/yHvFn/YWj/8ASG1q/ZeZh7TyPiGivtbxtrGsaDp8d/pc1j5RmigaK5tXdiXcLuDLIvAz0x261R1zxTrGg3l1ZymxuZLfRJtQ81bd4w0iPhRt8w4XB5Gc57jpWUuWN7vb/K/5HTCnOok421/rsfG9FfZFv4suX8N6jqcWvaFqc1rpz3QtbOEho3Cbhv8A3zHbngjA+opPD/i+91PWtMtft2larFe2ry3H9nRMrWLAKQJD5rjBJK8hTkfUU+Vc3Lf+tf8AIbpVFFytt69r9v66HxxRX2R4q8Zahod5rUVpDbOthpsN3F5qMSzvKUIbDDjA7Y+tbfiHWptKg09LOON7rULyK1iEn3VzlmY4IPCq344oUYvr/V7fmiHCatpv/kn+TPhyivtK68Qatp/jGx0q7fTnTUpJlgt4EdpoY1UlZXYsAQSMFdo68E4NX/D2vyar4UXU7m2P2qISJcQW43ZljJVggzzkrwM9xQop9QlGcYqVtHb8b/5M+HqK+1/BfiTUPEaaqdUsUsJLO9a3WBW3MoCqfmbOCee2BUWpeIdU0jxVp9nevpz22o3TQwW0KuZ1iEeTMzkheGHK7eAR8xo5VZO+/wCock+dwtqvP5nxbRX2b4M8Wz+I5j9su7WNpI3lhslsZYnMfmFVcSu+2QYHO1ep6+uj40/5ANt/2FtN/wDS6CqjBSjzJk1OalPkktT4hor79oqvY+Zl7XyPgKivv2ij2PmHtfI+AqK+/aKPY+Ye18j4Cor79oo9j5h7XyPgKivv2ij2PmHtfI+AqK+/aKPY+Ye18j4Cor7e8Of8h7xZ/wBhaP8A9IbWt+l7LzD2vkfAVFfftFP2PmHtfI+AqK+/aKPY+Ye18j4Cor79oo9j5h7XyPgKivv2ij2PmHtfI+AqK+/aKPY+Ye18j4Cor79oo9j5h7XyPgKivv2sDx9/yTfxL/2Cbr/0S1L2XmHtfI+IaK+/aKfsfMPa+R8jfBn/AJGa9/3LH/07WNfXNfI3wZ/5Ga9/3LH/ANO1jXu3xB17VtH8RaWP7Qn0jR2ALX8dsJoxL83yyjGcY24AxnJPbIiM1Ba9zaNGVafJHszrdF0P+yLzVp/tHnf2jeG627Nvl5VV29Tn7vXjrXN3/wAMLe/soY31ApcwanJfxziD+F5N7REbuRwOc9RnHanXuv6hbeMJGv59UtdEWW2ggnt7eHyJZHGTvLqZCpJVcpwPUVs6/wCIrnStY07TbHTkvJr6KeRWkuPKVPKCk5O1jzu9OuPqKfs+W7W2n3Wf6IuP1iE1yPVq/TovPTRbmLcfDOC61gX82oEkau2o7BDjKkLmInd6opz7dKfpfw3itLiya/1W4uYbGGZII7dpLUq8spdn3JJnoQuOnGfpVHxGnutGlnk0t7PztIk1K2eG6V3wnDA7oyFOehwwI6gdKrX/AIt1iO91Bbe8KRxSaUIlaNGKic/vATt5z+nbFR+5VrL+np/7ab2xrXK5Wt6d7dP8X5nX+HPDv/CPaDJpKXbT24kkNvuUgwxsSQmSTu2568Z9KydM8EXdtYaPp2parDd2GkSLNDFDZmJ5HXOwuxkYEAnOABzimWfjK4luGsbW1a7v59Uu7aBLm4VEVIT8zFkjyFGQANrHnknrTR8QJrkWEen6OJbq6iuWkilutiwvAQHTcEbIznDAc8cDPF89Kyfku/TX8DLkxV5eb1289fLqTnwPMSbM6on9kHUv7Q+zfZf3obf5mzzd+Nu/n7mccZ71L4h8Hz+Ir5Te6jC1kk0cscb2SmaAqQWEUwI2htozlWPv6W28WWqeBU8TPC4he2WcQ5G7LYATPTqQM1BeeJdS0vSZrnVtJtrWZZkjgB1ANFOGXOQ2zeWHI2CMsSBgHOQ3GnFcr6W7+i/IiM8S5cy31XTfr8+7L2taCus32lTvP5a6fcNMU2bvNBRk25yMfeznmsOL4fZtbezvNVeazsLee3sFjh8uSJZVKEu+47yFOBgKO+DVAeOb7VJdIns1awjuLfUftFuyhv3kAAU5ZQeDk9B7irOo+JNXtvgxFr1tKjak1jFK8zgDDNjLBdpBPPTAFQ3ScZStpv6/1Y1jTxMOWCaV3b01a7epCPhncPZXVvcazARPZQWaCDT/AC1jWKQODjzDknnPuc+1bF14PeebXJUvos6tLBIY57NZo1EShdrqx+cNtzxtI7Gs8eNLzTLK5+02f26PSI4Tqd01yocNIAx8tVjUPtUgn7noATWzpHiG51fXtRs4bCJLTT5hC9y1wdzkorgqmz/a5ywx79rSpt8q/UmcsUlzt6fL+7/lETwx4Vi8O6FcaY0wuI7iaSVkRCkaB/4EUsxVcdsnuaq6R4LNhdaeb7UBe22kwyQWEXkbGVH4PmNuO87QF4CjqcemJJ4g1W3+LC2Gq6lNplo7lLOB7YNb3qFU+VXHIfJJ3E8cDHJFauha1rt18QtW03WFggtYbVJra3hIYqC7DczYyWIHQcDjvmpi6cuVW7r7l1+XfUJwrxUpuS1XM/nppp56206Fe1+GVlb+Eb3RHvDM1xcrcJcSwhtmzb5alSfmUKoUjIyCematWfgZbWTTpRcWkb2d+94yWenpbxvlCgQKpyAAerFj7+nW153qniDVbL4r29lqOpTaVpshCWYa2D295ny8oW6h8luSRtwvHzHdTjCDjp2/C1vy9WKnVxFfmXN0bf3WdtO3yW56JWB4c/5D3iz/ALC0f/pDa1kaFruov4oMGvSarai8ubldPgmt4Ut5Y4zwOF80Nt+b5sA9s1r+HP8AkPeLP+wtH/6Q2taRkppSRyVaTpS5WWPE2g/8JHpC2P2n7NtuIpt/l7/uOGxjI64xVHxB4P8A7d1K7u/t3kfaNJl03b5O7bvYNvzuGcY6frUvjnV77QfBeoajpYiNzCg2tKeEyQNwGDkjPAPH8qo3/ja5sGvv+JVHMmkRRSam63WPL3jcRECn7whfm52dqzn7O7Uv60a/I6KKxHLGVPu7beXfzaLbaBq9z4futHv9VsXtprF7RWh0943QlNoYkzMDgdsDPqKS28I/Ydf07VbG98mS3s1s7xPKyt4igBSfm+VgR1544qbxbqeqWfhO4vvDsUMk4iaTzZ2wsSBCxfGMseMAepGeAaZZapeS/DWHVZJs3raULgy7RzJ5W7djGOvbGKcnFOTa1jr+f/BFF1nBNNWk2unW3l/W5W8Q+Cf7eudVm/tD7P8A2jYxWePJ3eXskL7vvDOc4xx9at+KNIub9dIubFPNn03UIrjZkAunKuASQM7WJ/CsLTdX1iyg8J315qs2oRa4EiuIJ4Yl8t3i3hkKIpGCpGDnIPtUFh4sv08f3uma5qE+nvFNK1tp8tohivLcKdjRyABg3yknJIPQDggQ5Qi7PTX8U+b9bmyp13qmnypv5fC+l+lvxua2leEb/S/Fl/r8+p29/LeMciSyYSxxfwxRv5u1QOP4ecc1oeDdJuNG8Nxw3yKl3PLJczopBCPI5crkE5xkDOe1UfDT65rmk6dr0utGIXZE72H2aNoFiOcIDgSbsY+YsRnPy44qLx5rWo6U1hHYXklpHMtw0j20KzTlkjLIAhVspn7zBeMDkA5p+7SjzWen6kS9rWqexck3/wDIp6bfoXbTwxeadDrP9nav9nuNTv8A7Ys32YN5IJXKbScNkKRnjr04qtZ+D7+18bXniGbVre6kuTsVZrJi9vCOkcbebhfc7Tk5OOTXOXnjDxAbC5vUu4IX0nS7W8mhgEckV1JI2XBbB+XaMDYw5OckVfuvEuvWet6gLgyw2sqOlqZrcCGE4Qxur4G/CebI4y2PLI46Uuamml2/TT9DX2eISfvLXf8A8lfbs0+3zN/TvDl7Fr0Wq6zqy6jPbWzW1vstRDhWYFmfDEM3CjgKODxzTvGn/IBtv+wtpv8A6XQVo6Pqlpq+nrcWFw88akxs0kTRvuXg7lYAg+2B1rO8af8AIBtv+wtpv/pdBW9ko2R585TlP3918vwNbUZru3sZJbCCG4mUZEc8xiUjv8wVj+lcxF43uxo+nahd6TDGuowS3ESRXhcqiQmQbsxjBOMYGcdcnpXXyIJI2RujAg4rBbwdp76Xp1gZrnytOt3t4juXcyvGYyW+Xrg9sc1E1Oz5X6GlKVFK1Rfn2f62MeL4iF/DF3rPk6RMLe3Sb7Na6t5si7mAxIPKGzGeTzyMVr+G/E51+6vIPKs2W2VGFxYXn2qBy2fl37F+YYBIweGFM/4Q1H0F9GutZ1K5sWhSFY5BAPLCkEYKxA5+UDnNaVjodtp2rX1/aPLGb7a00AI8suBjzAMZDEYyc84HehKfNrt/w/8AwDSpLD8klFa9N/L/AIJzsvxC8qzaf+zM7YLmbb9o/wCeNwIcfd753e3TnrXQajrIsdQ06yjgM898z7UDhSqIhZm54PO0Y4+914rMk8BaXLbtC093taKeIkOucTTCZv4eoYYHt69a0NU0Z73VtKvoZNhs2lSQbypaKRCpAI6HIQj6Hmkvacuu/wDwRT+ruXurT3v/ALUyofGc62NzPqelrbfY7uG3ufLuhKsYk2j7wUAshYBlHA9TWl4j8RDw+ln/AKFNdNdXMcGUGEjDOq7mbGB94YHU/QEjOuPBQaynhTULq7lvJbYXNxeyBn8iFwwQbVAJ6jJ5O4kk1uavpEGtWkVvdPIiR3EdwDGQDujYMByDxkc01z2+YS9hzp20+fZfrf5FXxLrV1oWm/bLawS7RMtM0lyIVjUDjnBLMxwqqByTyRVBvGP/ABVkOjrZCON0iLz3DyIVeRWYRgCNl3YUcM65zgZrR1TQX1WJ431jUbcOzf8AHu8agIybTHgoQR3ywLA9CKr/APCJWgu7RxeX32W0MTR2JlDQ7o1Ko2CCwI4OAwBIBINHv82m11/wRQ9goWlvZ9/kLe+LbDTvEMul3iyxCGyN5LcmJiirnAGQOeh/HAGScVoabq9nq8crWTyEwvsljlheJ42wCAUcBhkEEZHINZ+seErLWr+a6up7pDNZ/Y5EiZQrLu3K3Kkhg3III6DINXNJ0aPSmuZPtM93c3bh57i4K73IUKOEVVAAAHAH50489/e/rX/ImfseRON7/wBf8H8PlR8Of8h7xZ/2Fo//AEhta36wPDn/ACHvFn/YWj/9IbWt+rRzs59Nc1Y+LJNHbS7MRRwi4M4vnLGIuVB2eV975fu7se9YcPxK+0SWqfZ9KsvtFhFeZ1LVvs4+csNi/ujuI29eOtdeNKgGuPqu6Tz3tltiuRt2hi2cYznLHvWLZ+B4dMkhfStZ1OyaK0jsyY/IfeiFiud8Tc/MemKxtUVtfy8/+Ad0JYZ35o9Fbffr3KNz8QWt9cu9PFnYu1rdx2vkjUD9qm37Pmjh8v5gN/8AeH3T0rY8ReIptEmhhtdPN9LLbXE6oJdhPlKp2j5Tknd+lRz+DLCf7Q5uLpbia9S+W5RkEkMqqq5Q7cAELggg5ya1LjSoLnVrLUZGk86zSRI1BG0hwAcjH+yPSnapy2vr/X6kylh+aLUdOu+rt/mUNI8Tw65qjQadD5lqlnFcvc7/ALrS5Kx7cddoyTnjIqjqXjq30/wzfawLRplguZbe3iST5rgx5DHp8oG1z34XPUgVp+HPDGn+FrKa10sSbJpmmYyMCcngLkAcAAAD0FZD+ALG+0y6sNTkn8szXJtpLa5eNkimbeykD5T83GGDDAH0ol7S2m9n991/ww4/Vvae9flTXzWt/vdvkbdhrS3usXmnPEIpbeKKZfnz5kcgOD0GMMrDHPQHvgQ6R4iGr65qunrZzW408xjzJhtMu7PIUjIHy8E9c5pdL0M2GuXd60hdGtoLS3DSM7COMMcsTySWc9z0BzzUq6HHFqWo39td3EFxqAiEjpsOzyxgbQykcjg5z7Yq/e0+f/A/QxfstUuyt66X/UxV8dx/2pq0EtqkVtpyTsJXkcPP5KgvsBj2HBODhyR1Iq/4f8THWNFuL+7tltnt+ZLeIyySINgfDK0aNuweAAQeME5pZPCkE2oy3c+palIWWUQobjAtjKAGMbABweOMsQvYCrWlaFDpaXZa5ub2e8YNPcXLLvfChAPlVQMADoPc81nH2vXt+JrN4fl91a/1/XrtoZen+PtGvNLs7y4ae1N1EJjG1vK3koW2hnYLhVJHDHCnBwTir3ifxEvhvSReGzmuy0ioFjGFXLAbmbGFHP1J6VmQ/DzT4bOK1XUNRMC2y2kyFosXMKsWWN8J0GSMrtbBOSa3tZ0i31zSZNOumkSGQoSYiAw2sGHUHuoqvfcfMUvq6qJxu4319P6/QvVgePv+Sb+Jf+wTdf8Aolq36wPH3/JN/Ev/AGCbr/0S1aPY5Fub9FFFMR8jfBn/AJGa9/3LH/07WNfS/iXwdD4mnha41K+t4V+Wa2ikzHMuGGNpB2thiNwwcEj0I+aPgz/yM17/ALlj/wCnaxr65rnpxUlZnS6kqclKDszBuvCNreX0cs99ftaRyxTDTzKDb74x8hAK7gBgHaGCkjkVcvtDttQ1ix1KZ5Vmso5o41QgKRKAGzxn+EY5H41pUVryR2M/az0120OVHw90oafDafaLzy4dNk01TvTJicgkn5fvcdentUs3gXTJ5Z3ee7BnNoWw68fZ/uY+Xv3/AExXS0Ucke39f02X9Yq/zf1v+iOc/wCEJsEbzba7vLe6W9mvY7qNkLxPL99QGUqVPTBB+tPtvBWl2ktlJA1wrWcM8QJcHzDNgu7kjJYkZzwOeldBXPeN9SvdK0CKfTJ/s873tvDv2B8K8iqeD7GolGEVt5foVCpWqTUVLf8A4P8Am/vZZTwvp6+EF8NyiSawW3Fv+8Ybyo6HIA575xVSXwZFcQx/adZ1Wa5huUuYbqSWMvCyKVAVdnlgYJz8vOcnPFcxFr+v2mr7JdZkuoYPEKaYY5beIebE6bssVQHcMjBGBxyDWMty93BpMsqxK32bXFxFEsa8cdFAGffv1NZSqwa5rf0rP9Tthh6yfx7/AD3TfW2/Lr8jurLwBptklqq3d9KbYXQVpZFJb7RjeWO3k8cfrmr1x4UsbnwWPDDy3AshAkHmBl8zauMHOMZ49K89sdfvdH0nfZeRG6aHpaLO0CExeY2wuzYywUHIBJAPbrWtqfiPXdOuNQ0y31NrhrXUrGGO+khj3FZvvxsFULkeoAOGH1quamly28vubQpUcQ5X59tfyd/vkdLfeCtOv7q4kee7jhvFiW9to3UR3Xl/d35UsOAAdpXIGDmtLTdFttKvNQubZpC2oTCaVWI2qQoXC4AwMKOuazPB2pXt9Hq9vqNy12+n6nLapO6KrOgCkbgoC5+bHAHSujraKi0prr+pw1ZVIt05Pb+v0X4HNXPgq2vPFEOr3WoXs0cMnnpZSyB4lk4wVJG4KCM7QcZx0HB1ItDtofElxravKbm4t0t3QkbAqkkEDGc8+taNFChFbEyrVJKzfS3y3Kv9l6edSGomxtvtwXYLryV83b0xvxnFYmo+CrbVPEkGqXeoXskMTeZ9heQNEXBQgjIyoygJUHBIHTkHpaKbjFijVnB3T8jDtvCtvBrMOoz39/evbNK1rFdSh1tzJ97adoY8cDczYHApnhz/AJD3iz/sLR/+kNrW/WB4c/5D3iz/ALC0f/pDa0JKNkhSnKesjQ1vR7bX9EutLvjIsFymx2jIDDnIIJB5yPSsq78E2d7JK1xfXxF1HHFfKrRqL0J08zCcccHZtyOK6Sik4Rbu0OFapBWi/wCtP8l9yK19YQ3+lXGnybo4LiFoG8vAKqy7eO3Q1BDotvB4aTQ0eU2yWn2QOSN+zZtznGM49vwrQopuKd79SVOSVk/M57TfB1tp8mnGbUL6/j0yPZZRXRiCw/Lt3DYiljt4yxOMmnjwlbtq0F7dahqF2ltcNcW9tcSq8cMjAjIO3fgAnALEDPSqOk/8lT8Rf9edp/7PWXYeHdEHxa1KEaPYCOLToJY0FqmEcu2WAxw3A561jdNx03b/AAv/AJfkd3vXlzS2int3tp5fF89e50Nn4Rg0+SBLPVNShsLebzotPjmVYVPJ25C+YUyc7S+3tjHFT634bg1q5tbo3d3Y3VqsiR3FoyhtjjDKQysCDgdsgjgivP8ASI3uNW07wJNll0XVJbqXJOTbRgPBn2JlUf8AAa9Ypw5akNtP+Av+G+RGI9pRqJ813r92uvz3+Zy8vw90Z4YIImuYLZLeO1mgjddtzEjblWTKk9c8qVJyQTitfUdDtNVkY3u+RGtpLbys4ULIAGI/2iBjPYZx1NaNFackbWsc7rVG029jO0TRYdCsWtoJ57gvK0sks5Uu7H12gAcADgDpVHxp/wAgG2/7C2m/+l0Fb9YHjT/kA23/AGFtN/8AS6CqexHM5Suzfrl/GU1/bXGhSWl89vA+qQRTRRjBlDN0LZ+7gHjHOeT2rqKKUle3yHTnySva5x3jG8toPE/h+HVNUk0/T5lufOZb97VWIVduWVl7njmsa/1C7/4QbTp7rWJIIlu5hFJPdyWpvYFEgizcIDtYrtYE8OQM5zXpVFZSpN313/4B0wxKjGK5dvP18tN/wR5yusWt3KX8S6tqWjobC3k09ftLwyyFly7bUwJpA2BtKt2+Xnna8dXlza6Tpvk3DQ20t0q3U73TWgCbGI3yqMxguFGQOpA711lFVKm2mr7/AOdyfrEeeMuXbpfytppp39TzGXWLltT0K5Go3BBtLPy9KuZ5o7m4LyYaQlCiOQME5DghTkLmkuNX1rwnNKdRmfUIbe73ybL1yGdomKoWZflztLeUBt3PEAeTXp9FL2b3T63NPrUdnDT1/r/PzOa8WaqumSeH7ma8+w2z6kqzvJL5a7DDKdrnOMZA4PcCqV5Fa6j440aWy1K8ls762uZm+y6nN5MjRmIKQFfbgZbgcHPOa7Kiq5Nde9/wsYxrcqVlrZrfvf8Az/A8/wBDudXn8Yf8I5c3V00WiTy3M1w0hzcRuB9nRmzlhh2yD/zzFegUUU4R5Y2IrVfayva39a/j92xgeHP+Q94s/wCwtH/6Q2tb9YHhz/kPeLP+wtH/AOkNrW/VIyYUHoaKKHqgPMfB2p/aP+Edaw1m4v8AUp3lXVLZ797gJEA3zsjMRGQwjAIAzux3qJNa1G2utdh06/utRu/InkEsNw8nkAT4w1u65hkVWYKF4YLnBr1OisfZOy17/irf8E73i4ubk47+fm3287f0jnfDM+jS3NyNB1q61OMRoZFku3uo4yc8iRskMe67uMA7RnJ5Q6rexaxrwi1dbmeSC+YbJLn/AIlgQqI98WSMEHIKxg8HBYHNem0U5U+br3/H+v8AhjKGIUZNtXvbr/wP663PL7eXU5NBNxp+qm6g0u+Xddx31xtvsrERs3M+45LR+WW2Fmzx0rpvBuu3OoXGo6dfQv8AabKUmWUylwWaRwVwR8gG3Krz8hU966qiqjBxle4VMRGpBxcde/8AXzOL0TU7LVtP1XSr3WC1+mo3m2CPUGjuFRJW2gbWDhQAOOmPaspLq60L4f6B4oW91C4EIim1GOW7lm8+ORQrHDsehKsAOBzXpNFT7N8tr62Wvp/n1K+spSfu6N3av962/wCGMfwpDfReG7aTVpZJL25zcTCRy3ls53bBnoq52ge1bFFFa6LRHJKTlJyfUKwPH3/JN/Ev/YJuv/RLVv1gePv+Sb+Jf+wTdf8AolqHsJbm/RRRTEfIPwiadde1E2kccswhsiiSyFFZv7VssAsAxAzgZwcdcHpX0/8AbPGH/QC0P/wdTf8AyLXzL8Gf+Rmvf9yx/wDTtY19c1hS2Nqm5gfbPGH/AEAtD/8AB1N/8i0fbPGH/QC0P/wdTf8AyLW/RW1jIwPtnjD/AKAWh/8Ag6m/+RaPtnjD/oBaH/4Opv8A5FrfoosBgfbPGH/QC0P/AMHU3/yLUNy3ii8jEd34b8PzoGDhZdXlYBgcg4Np1B5BrpaKLDTtscqbbxAXLnwn4aLGcXBY6pJkygYEn/Hp97H8XWmiy1xVQL4Q8MAIJAgGpv8AKJPv4/0Tjd39e9dM17apZvdtcwrbICXmMg2KB1JboMYOaiudW06zNuLu/tYDdHEHmzKvmnj7uT83UdPUVNomidR6K/4nPpa6/GrrH4S8Morwi3cLqkgDRAYCH/ROVAJ46c02Kx1yCzS0g8H+F47aOQSpCmpuEVwchgotMA55z1rp7m8tbPyvtdzDB50gii82QL5jnooz1J9BzQl5bSXktrHcQvcwgNJCrgugPQleozRZX/r1/wCCLmna/wDXYwIG8UWplNt4a8PQmaQyymPV5V8xz1Y4tOTwOTU32zxh/wBALQ//AAdTf/Itb9FVYi99zA+2eMP+gFof/g6m/wDkWj7Z4w/6AWh/+Dqb/wCRa1ptTsLa+hsri9torqcZigeVVeT/AHVJyenai+1Gx0u3E+p3lvZwltokuJVjUn0ySOeKV1a9yuWTaVtzJ+2eMP8AoBaH/wCDqb/5Fo+2eMP+gFof/g6m/wDkWtVtU09NNGoNfWy2RUMLkzL5eCcA7s4xmkudV06zfbeX9rAxjMuJZlU7B1bk9B69KLpdQUZPRIy/tnjD/oBaH/4Opv8A5FrM8MJ4vuNW8TyW2j6IW/tVBKsmsTKFb7HbcKRbHcNu05OOSRjjJ6V9a0uOC2mfUrNYrohbeQzqFmJ7Ic/N+FS+Bv8AkJ+Lv+w0n/pBaVE5WWjKjB395Fb7L43/AOgL4f8A/B3P/wDIlH2Xxv8A9AXw/wD+Duf/AORK7eisfaS7mns4nEfZfG//AEBfD/8A4O5//kSj7L43/wCgL4f/APB3P/8AIldvXMN4/wBGHxIj8ExmaXVWtjcu0aqY4hjO1juyGIwcYPBHrR7SV7XD2cbXOdvvCWuancm41LwZ4Pu5yADLcai8jEDoMmzzVuPSPFsV01zF4b8MpOyCMyrq8oYoOi5+yZwPSug8W+MNN8G6ZFd6jHdXMtxMsFrZWUXm3FzIf4I04ycc9R/Kqnhz4iaD4j8MXeurLLpltYSvDex6mogktHU8rIMkA8jueuOuRSU2rtdP6/X8S2m0k/l/Xy/AyU0bxZHfSXsfhrwyt3KoSSddXlEjqOgLfZMke1WPsvjf/oC+H/8Awdz/APyJT7D4p6FqfgeLxRZwX0lpcXgsraDylE1xMZNiqoLbRk9CzDjrirlv8QNJutG02/ghu2fUb7+z4rMIvnJOGZXVhu2jZsYsQSMLkZ4zSnLb+tf+HX3kOMXq/wCrf8M/uKH2Xxv/ANAXw/8A+Duf/wCRKPsvjf8A6Avh/wD8Hc//AMiV29FL2ku4ezicR9l8b/8AQF8P/wDg7n/+RKwfGNt4xGh2/wBq0jQ0T+1dOAMesTOd322HaMG1HBbAJzwCTg4wfVa5vx5/yLtr/wBhrSv/AE4W9HtJByRMz7L43/6Avh//AMHc/wD8iUfZfG//AEBfD/8A4O5//kSu3oo9pLuHs4nEfZfG/wD0BfD/AP4O5/8A5Eo+y+N/+gL4f/8AB3P/APIldvVLWdXs9A0S81XVJRDaWcTTSuewA7epPQDuTQ6skrtjVOLdkjlfsvjf/oC+H/8Awdz/APyJR9l8b/8AQF8P/wDg7n/+RK3fCPiiy8Z+FrPX9LiuIrW8DGNLlVVxtYqchSR1B71S8TeP9G8Ka/omjaj50l9rdwILaKBVYpkgb3ywwuTjPJ64HBpuc1Ll6k8kGrmf9l8b/wDQF8P/APg7n/8AkSj7L43/AOgL4f8A/B3P/wDIlaHiD4g6F4c8TaP4fvJml1PV51hht7fazRg8B5ASNq54zyTzgHBwyX4h6RD4u/sBobssLpLJ70IvkJcvGZFhJLbtxUZyFK8gZzSVST2/r+rjdOK3KX2Xxv8A9AXw/wD+Duf/AORKPsvjf/oC+H//AAdz/wDyJXR6Rr9rrd3qcNjHMU026NpJOygRySBQXCHOTtJ2kkDkEc4rUo9pLuHs4nEfZfG//QF8P/8Ag7n/APkSj7L43/6Avh//AMHc/wD8iV29FHtJdw9nE8q8P23jE654p8jSNDZxqqCYPrEyhW+xW3CkWp3DbtOSBySMcZO99l8b/wDQF8P/APg7n/8AkStPwv8A8jF4z/7DUf8A6b7Ouko9pIOSJxH2Xxv/ANAXw/8A+Duf/wCRKPsvjf8A6Avh/wD8Hc//AMiV29FHtJdw9nE4j7L43/6Avh//AMHc/wD8iUfZfG//AEBfD/8A4O5//kSu3qtqOoWuk6Zc6hqEywWtrE0s0jHAVVGSaHVkldsFTi3ZI5H7L43/AOgL4f8A/B3P/wDIlH2Xxv8A9AXw/wD+Duf/AORK2fBfi+w8deF7fXtIiuYbW4Z1RLlVVxtYqchSR1HrVbV/iBoWj+MtK8LTzNNq2qOVSGDa3kALuDScgqD26k+lNzmnbqLkjZvsZ/2Xxv8A9AXw/wD+Duf/AORKPsvjf/oC+H//AAdz/wDyJVfXfjL4a0DxFdaXcW+q3Mdg0aajqNpZmS1sGc4AlfOQenQHrjqCBp3fxH0W08UJopjupf31vby30aobeGWdS0KMSwYlgBgqpA3LkikqknsxunFXuVPsvjf/AKAvh/8A8Hc//wAiUfZfG/8A0BfD/wD4O5//AJEro9M1+11fVNUsrOOZv7LmWCacqPLaQqGKKc5JUEZ4GCcc841KPaS7h7OJxH2Xxv8A9AXw/wD+Duf/AORKPsvjf/oC+H//AAdz/wDyJXb0Ue0l3D2cTiPsvjf/AKAvh/8A8Hc//wAiVg+Obbxivw78Rm80jQ47caVdGV4tYmd1XymyVU2oBOOgJGfUda9Vrm/iP/ySzxX/ANgW8/8ARD0e0kHJE577Z4w/6AWh/wDg6m/+RaK36K6rHMfI3wZ/5Ga9/wByx/8ATtY19c18jfBn/kZr3/csf/TtY19c1lS2ZrV3CiiitjEKKKKACmTwrcW8kMn3JEKNlQeCMdCCD+IxT6KTV1Yadnc8+8XeDNL0z4bapBbeeIbdHulTeFDSBQAW2gF8EZG7ODx0AAzvE2yJ5jfD93eeFvs1kG/5aT7s7F9XJMZwOTj2r1KiueVBNu2l/wDJr8n+B6NLMJxS59bNvfvb/IwdR0Uav4IGn6mWWYWqHzR96KZVBDg+oYZrg4Jb618I6Hqr3RJ1q78/V72W7a0DHaRGrSoCY04A4A6AcZr1qirqUueTknb/AIe5FHGOlHlaur3/AAt/k/VI8f1nXdQi8L2MF1rEkM/9mTXNvfC6mjFzh8RqoAjeSTGzluMEttbOa6jwrPcav4tv572+upVt7KxliiW4dYg0kRLHYpCnPoRiu4opRpNSu3f+n/mvuLqY2M6bhGFr31v3afbyt8zy/wAawMPEOp2lhcW0t7qf2F0gkLrcRlJODENuHXgkkMNuGJrd8Taho+py6fLJ4iOlx6fqEqGb7Px9oSNht3yAouASeQd3Qc12dFL2Ls1ffX8b9yfritG8fhXddkuqa2S/4fUwfD7T+IvA1r/wkduryXluVuEZNokU5AOO2Rg/jXB2+lmL4feLry9upL27tkn0uGaUAFLeE4VRj1OST34r1qinUoqd9ejX39fz+9ipYx0pNxWjknb0d7fl9x4Qba4Mlrp0ykW2gXVuYPf7TPG6/koYfjXt/gb/AJCfi7/sNJ/6QWlWKr+Bv+Qn4u/7DSf+kFpUOn7ONr9TSti3iWtLWv8Aja/3u7+Z11FFFZmJneIdRudJ8NajqGn2Ut/dW1s8sNrEhZpnCkqoA5OTjpXzb4D1CXTvjh4futR8PeI49X1C0lOpveaeY3lnlc7pQpPECcDdxgL0r6jqq+l6fJqkepyWNs9/FGYo7toVMqIeqh8ZA9s0R0nzf11/r5BLWPL/AF0PH/jFdWOsav4F1K18SCy0QajPa3Or6fcJi3dkC8S8hG+Vxu/h5PGKtfDG3t/G+h63pPiW4PizRtF1tl0u+vmM32hVBI3N0lxu6nIO70Ax6ePDuiLo8mkro9gNNlJaSzFqnkuScklMbTzz061YsNOstKsY7LS7O3srWLIjgt4ljjTJycKoAHJJpJWTX9X0/K2nqEtWv601/wA9fQ8l+Efhuz8TfBeKxvHmg8nV5riCe3YLJBLHOWR1yCuQR0II9qoxs+g6xbXnh3y5raDV/wCwtOu9RUyq1zO7PeXbqhTcSw8sYKjIbGBxXs+n6ZYaTa/ZdLsreyt9xfyraJY03E5JwoAyTUMugaPPo/8AZE2k2Mmm/wDPk9shh+9u+5jb156deaeulvL9E/vSt93ZA9b+d/1a+5v8+5m+AvEc/i3wNputXkMcFxcowlWLOwsrlCy552krkZzwep610VRW1tBZWsVrZwR29vCgSKKJAqIoGAoA4AA7Cpabs3oCCub8ef8AIu2v/Ya0r/04W9dJXN+PP+Rdtf8AsNaV/wCnC3pAdJRRRQAV438btQvrnVNP0W58O65qfh1Ld729fS7FplllG4RRu2QFRSN7c5+7xXslNkjSWNo5UV0cFWVhkMD1BFTKPMiouzPJvgH4ksE+EOi2d8W0+RZpLW3N7tiF65dm/cZP7z72OOcgjtXlHiHXb6fx7o3ibxH4U8Swau/iCN40l01kT7LGf3dvBuILueWIwMk19QR+HNDht7KCHRtPjhsJPNs41tUC2z9d0YxhDyeRjrVi80vT9RktpNQsba6e1kEtu08KuYXHRlJHyt7jmtHK9Tn8/wBU/vM0rQcP66nk/wAQ/D+kad478Darp+mx217qfiOOa7nK/vZDs6MTkgDH3RwDnjk1r+O/DWn6PdP4isHupNXvb6I2Oml1NvNqJQxRTMCu7KKSxAYLhM4yM16Dd6ZYX81tLfWVvcyWsnm27zRK5hf+8hI+U+45p81la3Nxbz3FtDLNbMXgkeMM0TEFSVJ5UkEjjsamytbz/DTT8PyfQrrfy/HX/PX5nlHhDxRf+H/E1j4PhhtH0qHUptJJKP8AapJktxO9yzbtpDuzEjaOucnpXr1UV0PSU1ptXTTLNdTdPLa9FugmZcY2l8bscDjPar1O91rv/X/D/gK2un9f1/weoUUUUhnN+F/+Ri8Z/wDYaj/9N9nXSVzfhf8A5GLxn/2Go/8A032ddJQAUUUUAFeS/Gm/v5rrR9Dfw9rmq+HpS11qh0myadpdhzHCTwApYBm5zgDFetUhAZSGAIIwQe9TJXGnY8b/AGevElhb/Ceys9QLabsvXt4Jb3bDHdySOzBIST857EDnIxUvjTw5pGifF/wHdaXp8Ntc6jq11PdzKMvM5jzlmPJHJwOgycAV6bH4Z0GKztbSLRNOS2s5vtFtAtpGEglznei4wrZJORzzVm50ywvbq2uryyt7i4tGL20ssSs8LEYJQkZUkelaN3mpdmvwt/kTb3Wu9/xv/mfOHxElfQb/AOIWm+H/ABPof2bVmSXUNNvo5Uv1mYfctxgLKGyOQTgHtjJ7rUPCFl4c8H6Xr94LxtZW309BpQdfJvNQjj8u3LgqXyrMM7WAwmSDivTrrw7ot7q0OqXuj2FxqNvjybyW1R5o8HI2uRkYJJ4PerVxZWt3JBJdW0M728nmwtJGGMT4I3KT0OCRkepqIq0ben3Lt+nbQp6yv6/ieR+GvE+qeFfEtr4UEdnPZx6qmnXcjI/2q4uZrdriS537tu0uT8u08fxdq9jqidD0ltaXWG0yzOpqnlrem3TzguMbRJjdjBPGavVV9P6/rz+duhNtf6/r+r9QooopDCub+I//ACSzxX/2Bbz/ANEPXSVzfxH/AOSWeK/+wLef+iHoAbRRRXccR8g/CKJ59e1GOKeS3dobJRLEFLITqtkNw3AjI68gjjkEcV9P/wDCOap/0Oeuf9+bH/5Gr5l+DP8AyM17/uWP/p2sa+uawpbG1TcwP+Ec1T/oc9c/782P/wAjVnalDLpNxbwXnjbxEZrkMYooLC2nZguNxxHaE4G4fnXYVxfje0SS8FzHDrjaglhNHYy6cH8tZSRgMY/mDEhfv/IQD3FOpJxjdGmGpxq1VGe3l/X3+Rpp4f1N0Vh4z10BhkbreyB/I22RVa/06902JZLnxh4ldWOB9n0+2nI+ojtGIHua2UfV4tDtSsFtc6j5aCdZpzEm7b8xDKjd+2Ko+Mm1BvBt3Dp0MjXlyq2+IAXMYdgrMMDOFBJz7dqqo2ovl3RNKmpVIxls3bp/X4FLSbOfXdNj1DS/HOuzWsudkhtbNN2Dg8Nag9RVxvD2pIpZ/GutqqjJJhsQAP8AwGrXgtRp2kpa6bDHi3hEcEbtsU7RhQSAcD3wfoajNq2p6S9trlpAPOBWaCKZpUIz03FVJ49hVPstyHyuV18N/K9vw/yOUW5hfR21WL4ga5LZCf7OJYrS0fdJu27VC2pLZJwCAQa0rPR9QvrVZ4fGPiJUbOBPZWkTcHHKvahh+IrndM0WKDwcltq2natFbw65JMsNhCyuqh22NtUb9nQ5TnoRxmuo8Jf2qnhcm/WaS48yU2y3rlZDFuPliQkFgcYySCR3Gaxpzcvi7J/gv89PQ7cRh6VOLcHtK2tttf8ALX1Qv/COap/0Oeuf9+bH/wCRqxkureXS5tRh+Iesy2kU/wBmMkVtZvukyBtQC1y5ORjbnPaurFvJqWky22t2sCfaEaOaGGdpEKHjG4qp5HsK88i0e8svC+owQaVPFHH4maaPybY+ZBAJBiaGMD5sADGARjPBHFOcpRem1v1X+f8AwxGHo06iam9bpdNtf6/zOm03T7jV7JbvT/HOtzQliufs9kpVgcEFTbAgg9iAamuNEvrS1luLnxvrUUMKF5HaKxAVQMkn/RvSm+CLe5tfDtwHs2hZrud4jcK0UlwCxIkkUjKs3cYHsoHFbKXV9Fpctxf2K+fGrMLeymMxcAcBSypyfTH41Sd4Jve1+pjVpqNVxjqk7dLnJwXcFxp9zep4/wBeWG12ecJLK1R13gbPka0DHdkYwDnPGav6bYXGrWn2mw8c65JGHaNt1tZoyMpwysrWwKkHsQDXO31hf6lJquoafp94LH7bZXflXNu63EzI26UAMN5VQRheRlSE9K6Pwvpjz2mvvfW8kVrq1/NJHFNGUZoiqpkqwBXOCcEA1nCc27W/r/JnVWw9GFNyT6rt2Wnrr+Fi1/wjmqf9Dnrn/fmx/wDkaj/hHNU/6HPXP+/Nj/8AI1cDp2l65qXh/X/ILm+0qz/sW0Knlwj5kKn1Zdoqwul3UOlXKQ6fK2mXd9brNCuiyxJAojO6WO2Lsz87M7l27hna1L219UtP+Db/AIPzLeAim17RXTtt6f56d7Ox23/COap/0Oeuf9+bH/5GqDwb4d1ObUfFAj8Za3AY9WRWMcNkTKfsVqdzbrc84IXjAwo4zknkPD+gT3R8L2+qaVdyWdvcagHivbYgIh5jDrjaAeMDGM9K9N8Df8hPxd/2Gk/9ILShycoXtbb8jGrRjQqcqlff8G1+ly1/wi+r/wDQ9+IP+/Gn/wDyLR/wi+r/APQ9+IP+/Gn/APyLXSUVmQc3/wAIvq//AEPfiD/vxp//AMi0f8Ivq/8A0PfiD/vxp/8A8i10lFAHN/8ACL6v/wBD34g/78af/wDItH/CL6v/AND34g/78af/APItdJRQBzf/AAi+r/8AQ9+IP+/Gn/8AyLR/wi+r/wDQ9+IP+/Gn/wDyLXSUUAc3/wAIvq//AEPfiD/vxp//AMi0f8Ivq/8A0PfiD/vxp/8A8i10lFAHN/8ACL6v/wBD34g/78af/wDItVr/AMD3up2yQX3jbxBLEk0U6r5VguHikWRDxbdnRTjocYORXW1yPj/xnceFbXT7PRrBdR13Wbj7Lp1s77Y9+Ml5D/cUckDk9MjqEBa/4RfV/wDoe/EH/fjT/wD5Fo/4RfV/+h78Qf8AfjT/AP5FrG8Na58Q4PF39j+OND0uSzltjPHq2itIIICpwUk805JPGMfkRkrc0b4seCPEPiI6Fo3iCC61HLhYhHIqyFeu1yoVumeCcjkZpgXf+EX1f/oe/EH/AH40/wD+RaP+EX1f/oe/EH/fjT//AJFrzvSvjD4gvtF8MXctnpok1fxG+lThYpMLEDgMvz8N7nI9q7f4n+MrzwP4PGo6XaQ3V7cXUVpbi4YrEjucBnIx8ox6j6ijon/Wtn+qDq12/S/+TLv/AAi+r/8AQ9+IP+/Gn/8AyLR/wi+r/wDQ9+IP+/Gn/wDyLWH4C8c6xqmqeJdF8ZwabBf+HnjM93prP9mdHQt/HyCuDnJ/AYrF8F/FHxD8RbnxfD4XtdMgOmtB/ZDahHKqyq5bLTbTnBVcjaB1Gc0ena/yD172O2/4RfV/+h78Qf8AfjT/AP5Fo/4RfV/+h78Qf9+NP/8AkWuQ8HeMfH+pfFC78Na/D4buLPTbfzNQutIWfEMjD5It0jY3HqRg8Z5zW38RfGmreHbzQtE8MWdnca1r1y0Ns9+zC3hCAF2fb8x4I4H15xgnbzDq12/yuan/AAi+r/8AQ9+IP+/Gn/8AyLR/wi+r/wDQ9+IP+/Gn/wDyLXCS/GPVbLwhqUd9pNofFtjqyaKLaGRjbSzyZ2SA/eCEBjgnPy4yM8aGjePvGVxD4p0K80LTr3xhoflGK3sLgx21ysoyr5lIICjkgkE9Bij0/rZ/k0H9fp+eh1f/AAi+r/8AQ9+IP+/Gn/8AyLR/wi+r/wDQ9+IP+/Gn/wDyLXP/AA38ceIPEXiHXND8TQaRLcaT5Za90SR3ttzDmIliT5ikHPPYjHGTpePNQ8a6VCb/AMLT+GLfTLa3aW9l1s3G5NvOV8rjGPXnNKTUVd7AtXYltfA97ZXN7PbeNvECS30wnuG8qwO9xGkYPNtx8kaDAwOM9Sas/wDCL6v/AND34g/78af/APItedSfFjxdZfCLSvEer2mh2Ora1qUdtYi4WWO2ED9JZMvlRgFs5xtIOK6XT9S+JereEY73Sr3wHfXsl0dlxbS3Mlm0AXBwykkuHBHpgetU1a/l/wAD/MO3n/wf8joP+EX1f/oe/EH/AH40/wD+RaP+EX1f/oe/EH/fjT//AJFrzOx+MHjG38A+KPEusadol5b6bcJZadPpwlSC5mL7GfLtlo1JXkBc8jPcdb4A8beItV8Xax4X8Y2uljUdPt4boXGkNIYCkgBCHfkhuc9eR0HGSJX2/rS/5ag9N/61t+ehv/8ACL6v/wBD34g/78af/wDItH/CL6v/AND34g/78af/APItdJRSA5v/AIRfV/8Aoe/EH/fjT/8A5Fo/4RfV/wDoe/EH/fjT/wD5FrpKKAOb/wCEX1f/AKHvxB/340//AORaP+EX1f8A6HvxB/340/8A+Ra6SigDm/8AhF9X/wCh78Qf9+NP/wDkWj/hF9X/AOh78Qf9+NP/APkWukooA5v/AIRfV/8Aoe/EH/fjT/8A5Fo/4RfV/wDoe/EH/fjT/wD5FrpKKAOb/wCEX1f/AKHvxB/340//AORa5/x94c1SD4beJZZfGmuXKR6TdM0MsNiEkAhYlW22wbB6HBB9CK9Erm/iP/ySzxX/ANgW8/8ARD0Ac9/wjmqf9Dnrn/fmx/8Akait+iu2xx3Pkb4M/wDIzXv+5Y/+naxr65r5G+DP/IzXv+5Y/wDp2sa+uaypbM1q7hRRRWxiFVtR1K10qzN3fy+VArKpfYWwWYKOgPcjmrNUtZ02PWdEvNOm4S6haMn+7kcH8DzUybUW1uXT5XNc+3Urz+JtKt5biJ7h2ktplt5I4oJJG8xl3hVCqSx28nbnAznFQjxjobR2LxXbzfb0Z7ZYLeWRpApAb5VUkEE8gjI59DXPQ+C9Yg8OWVu9xbXl4b6S71OGSd44L0uD8rEKSQPk+Urg4wRUvhjwZqOjTaE93JZkabDdxyiBmwTLIGXaCo4A65/WsVKo5WaPRlRwig3z3av130fl1aXyffbWj8aaUmlre3s4VWMxxbRTT7UibaznEYYAcZJAAJ6nrUVx460yz1q4tLzKWsVrFcreRq8qsshIyQqnaowPmJxyK5yfwBrjaQlkJrC6iMd2rW9xPIIo5JZCyTBQh3sqsRggYPIPerUng3X0huYbZ9NKXujQaZM0ksmYyqsrOoCfMMMcA4z7Ywc+etZaf1Z/rY19hgrv3u/XpzK3Ttffc318X2Ud/q8N6BBBpssESzKTIZzKgZQqKMk84AGc1p2msWN9pb6haz77aPfvYoyshXO4MpG4EYPBGa427+H15I140NzGcXdncWo86SIuIIRGyuyDKE8kFc44roNJ0CWw8MXliywRXN4ZncRzSyqGcEDLyEsx6ZPGTngVopVNbrpoc9WnhVBOEtdPyV/Pf5dBy+M9EfT471J7h4JeY2WynJkG3cWVQmSoHVgMDoSDUS+NtKk1uOxjaQwPYG+N6Y2EIj6g7sYxjJJJABAHU4GReeD9Xk8O6Hp8b2VyljZtb3VpcTSLbyvtUI5AU79rDIVh+R5qqvw/1NrG3s5p7UI2h/2XO6SvmNgxYOo2/OM4yCV71Mp1k3Zf1Z/rY2jRwVruXfr577dtfM7LSde07WxL/Z07O0O0ukkLxOoYZU7XAOCOhxg1nW/i2wuLa+/tKLyVhv5dPSJVadrgr1wiqWORnIAOAKZ4U8PXOkTXNzqEcCXE0cUQMV5cXLMqA8l5T6k4UKMDue2dF4P1Oz1IapbSWkt1DqtzeRQySMqSRTKFwzBSVYYzwD6d6tuen9dV+lzFU8NzyjfTS2vW219t9LmtD4h8NaRodtNYtHDYSo8kKWdo5AVT87FEXKgE/MSBgnnmpLnxpoFm+2a//wCWUc5ZIZHVY5PuOWVSAp9ScDIz1Fcvd+AtYfTo4EnsrvzlupLq2uJZEt0nmbcJFUKd+zJA3Y7EYPR7eAtUbRr61M1mJbjRbbT0O9sB4s7iTt+6eMd/ao5638v9Wf62XzN/YYNu8qjd33/vJX27XZ1lx4n0i11hdMnu9t0zImBE5RWfJRWcDarNg4BIJq74G/5Cfi7/ALDSf+kFpXI6n4P1O48UQ6npsltYyBoPMvYLiWOVo0+/E8eCkoOBg5XsDnHPXeBv+Qn4u/7DSf8ApBaU5OTi+bv+ByyhSjyum73Wvr/XzOuooorIQUUUUAFFFFABRRRQAUUUUAFed/FPQtWl1Dw14r0DT21S58OXbzy2EbYkmhdQH2Z6sNowOp7Z6H0Sil1TXQPI80tfHXi3xXf31vofgW/sNMi02YmXxBD9mkluip8tFQkhkOMH68kYAby7wpo/ii88a+BNT1LRvFEa6fcPBerd6cltZWrFPl+zwRKNif3pCACcdK+nKKa0afp+v+YPVNf1qfN2heF/EEPhvwRFLoepRyWvjCS5nRrSQGKIsMSMMfKv+0eK9N+Numazq3w+Fro1lPqEBvIX1KztR++ntVO51TuTkLwOa9EopfZUfT8El+g/tOXe/wCLb/U+dNG8C+KdZ8O+KtK8DaTP4V8Nalc25t9P8QtJFIwVf3443SBW2qDk4IyAeuN74XaR420P4neMbrXtJ0+2s3hg802VvOsUzRxkRralhhlAyGHJBwBXttFPVXt2sJ6qz73PNPhNoOrwfDK9ur4z6T4j164ubu4mubY+ZBK7FUYxv12gKQpwD+NYnjrwp4gtvC9lJ4puNZ8bXFvqKyxahoFvHY3+mJgAtFGgbzckc9McHjGR7NRQ9dvL8AXn5/ifNVt8NfEEPgq98R2Wm6pLcL4ht9Xt9O1Ft9/cQQ7gWkH/AD1beWK9eOByK6nTpPGs2qeNfiB4c8NXFtdXi2sNhpetQGKaaOJcSkoGBB6leefevbKKPT+tEvyX5h6/1q3+bPE/COj67rvjrxHr3hfS77wBYXumx2w+3aciO94HDGb7OflbALDceu71zjR8faB4uk+Hun+GdQ1W68S3Or6zBBe31tpog8m0JBbcsWQqgqMsfWvW6KNNP663/ry0DXV/1tb+vM81+KulNHa+HLqPwfF4n0nS7v8A0rT44nlmjjKhVaKIOFkx0KsrDkdOTXKaHp3iDQvhn8QdW0Lw7qGkx6xcM+jaKtu32iAMPLL+SuShOc7R0C+gBr3Wik1dSXf9bf5DTs4tdP8Ag/5nk/izwjrGnfs4xeG/CdrJLcxWcKXNvEuJZk4acKD/ABNluOSckAZwKp/B3Rp9O8Za1c+H/DWreGfCc9rEostYRkme7Xq6q5Ztu0kZzg/oPZKKvm95y7/193VeepHL7qj2/r+vLQKKKKkoKKKKACiiigAooooAKKKKACub+I//ACSzxX/2Bbz/ANEPXSVzfxH/AOSWeK/+wLef+iHoAbRRRXccR8cfDPSYNcvdY0y7eRIbu1tYHaIgMFfU7NCRkEZwx7V7R/wzV4P/AOglrn/f+H/41XkvwZ/5Ga9/3LH/ANO1jX1B4ksNW1C1hTRNQNjIkm92DBd4HIX7jdSAM9ACchvunmha17XOq15qN7HnP/DNXg//AKCWuf8Af+H/AONUf8M1eD/+glrn/f8Ah/8AjVdPqWn/APFxtLsmvtTWC7tJ5p401O4VWdSuCArjaOTwuB7VRXxpf29wbC1jVZ59UvoxK8FxeBUhIwBGrFsksOhCqM8dqXPBfEu/4Ox0RwtSaTpu91f8/XszG/4Zq8H/APQS1z/v/D/8ao/4Zq8H/wDQS1z/AL/w/wDxquv0zxLreq69p9j9lg04S6at7cx3MEjSI3mFGQDcuPYkcehqH4h3Qs4YDaXuonV7pfs+m2NpcmNWlJB8xlXG4DvuJXHbnNVKUFHmS/r/AIciOHqOqqTer+f9efkct/wzV4P/AOglrn/f+H/41R/wzV4P/wCglrn/AH/h/wDjVep3Go22lWEc2s3ttaDhGlmkWNC+OgLH2PFY3ii8mh1Pw0LW4kjjuNTCSeW5AkTy3ODjqOAauShH70vvdjCnGdR29fwVzhf+GavB/wD0Etc/7/w//GqP+GavB/8A0Etc/wC/8P8A8arrPHduY73QpoLy/ga81WG1nEF9NGrxlXyNqsAOg5AB96o67q9x4M1rUlNzdS2l5pXmWKz3DylLiMhNiliT829CfU81lKUY3uttPwv/AF5nTTw0qqjyS1a2+dv+D6GD/wAM1eD/APoJa5/3/h/+NUf8M1eD/wDoJa5/3/h/+NV6JBYCx8Fw2+t3l1Iba2D3VyLqRJCyjcx8xWDdQe/TiuP08X/9m+HYrq/1FI9fv3nlDXspeKHy2aOFZC24DAUk5yTntxVStGVrdvxdv69CadH2ibUtvLeyb/JfkZf/AAzV4P8A+glrn/f+H/41R/wzV4P/AOglrn/f+H/41V+zv/ENxoukau9zdT2tkzpNNHOF3iO4wxkXI80vGu0ABvm9M5rq/CuvC+ln0+5Fwb6MvLM8hBjLeYVdIzknajfJyBnGec5ohKE3tuOthqlKLfNezs7eTt/X+Rwv/DNXg/8A6CWuf9/4f/jVH/DNXg//AKCWuf8Af+H/AONV1eqeMNRtJtWvLeK1/s3R7qK2nhkRjNNu27mVtwC43jAKnODyM8afhrV9T1m+1R7lrRLSzvprSOOOFvMbaRhixbHQ9Nv4jpTjKnJ2SIlQqwhzyen/AA2n4o4H/hmrwf8A9BLXP+/8P/xqj/hmrwf/ANBLXP8Av/D/APGq14vFuoafqN9YxySSzXWu3MMUk0Et0IIo4kbascZ3HrwAQBkmptS8da/Y6dpd5c6UunQTW7vdz3VnO8cUqvtCttw0St1DFW+8vHBNQqlJq/p+Vzb6jiLpLrt+P+T/AKsYX/DNXg//AKCWuf8Af+H/AONVF4b/AGb/AAhrF5rsVzqOtqunagtrEY54QWU20EuWzEed0rDjHAH1PX6l4y1Cw8XW9pNHbW2kztAsN3NDI0dzvByEmXKqw7Ky4IBJYcV1vgb/AJCfi7/sNJ/6QWlOTi43j0djF0qlOzn1V0cB/wAMqeCP+gr4g/8AAiD/AOM0f8MqeCP+gr4g/wDAiD/4zXttFZAeJf8ADKngj/oK+IP/AAIg/wDjNVH/AGaPhxHqkemSeI9XS/ljMsdo19biV0HVgnlZI98V7Zq+qWuiaLeapqD+Xa2cDzzNjOFUZOPfivnXwT4ii1f9oXSPEmra5YyTa1YTMlsl0jLZBiVhtsg/6zaASvB3MeM0R1ly/wBbO35BLSPN/W6Op/4ZU8D/APQV8Qf+BEH/AMZqhB+zl8MLrS5tTtvFWpTWEG7zbuPUbZoo9v3tziLAx3yeK7j4ueLV0fTLHw7bapb6Tf8AiCRrdb+4mWJLOADMspZiADtOF5BLMMdK8P0m+D/BLQdA0iS11B5vFywz2ck42yqSTGsoHOxioPTnbxSjeTaXl+aX6jeiV/60b/Q7OD9nr4VXOjy6vbeL7+bTYSRLex6natChGMguI9o6jqe9Tj9m34aHTYdQHibVDZXBQQ3P2+28uQucKFbysHJIAx1JpPDPh6fVLjxH4Zj0TRtE8SaNq1hqc6afJMmn3oU70UI27ygQMEqvcHHFW7OQeHNXsNO1hZNRh0fU2mNpp+HWbVbt3eKCMyFBtijZnJYrywPB4p6aedv0/wCCl5pX3J1s/L/g/wDAfo79B/8Awyp4I/6CviD/AMCIP/jNH/DKngj/AKCviD/wIg/+M1614c8QWXinw7aazpnmC2uk3Ksq7XQgkMrDnBBBBwSOOCa06bVnYZ4l/wAMqeCP+gr4g/8AAiD/AOM1keJf2avB+jaTDdWupa47yahZWpEk8JG2a6ihY8RDkLISPfHXpX0JXN+PP+Rdtf8AsNaV/wCnC3pAebf8MqeCP+gr4g/8CIP/AIzSN+yt4GRCz6tr6qoySbmAAD/vzXt1VtS/5BV3/wBcH/8AQTUzlyxbKiuaSR892/wT+C95dRW1p8QZJ55nCRxRa1ZszsTgKAI8kk9q1NT/AGa/htoln9r1nxLq2n224L513f20SZPQbmiAzVTwJ4H8La1+y+99qujWH2z7FeSnUfs6CdGjkkKt5gG7jaO/QY6cUappuseMPAXw41OCTSdX1yztWm/sDWJlH9poVC7wjMN7ALnJ45znsbkrScezX43/AMiIu6v6/hb87mhZfsxfD3UbKO80/Xtau7WZd0c8F5bujj1DCLBFUNL/AGfvhNrl09tonjK91GeNd7xWmqWsrKucZIWMkDJAzWNc6naQ/C3UtA02x1Tw953imK11rTLm5Vlso5iSyRSKq/uiEHbueoOT7JL8M/Alh4i0C/tdPtNHvrGVhZLZsts102w/K23DS4VS2M5wDnIJBF36f8BP9V6g+3X/AILX6fLzOK/4ZU8D/wDQV8Qf+BEH/wAZqtYfsy/DrVbQXWl+IdYvbcsVE1ve28iEg4IysRGQRivWfF/h+58T6KNNt9au9IhkkBupLIASzRYOY1c/cydpLDJwCO9ee/Bmw1K+/Z8tbPQNW/sa+aecQ332ZbjysTkn5G4bIBHPrmktb+RTWi/rv/kYGr/s6/C7QFibXvFmo6YsxIjN7qVrCHI643RDOMijU/2dvhbotrDc6z4s1HT4JziKW61K1iWQ4z8paIA8c8VvfFPS/C2jXZ13xDay+JvEmpWA0rTNJkhSRZJOu+OMLlDuOS2eN2ByQK5i98C+KBH8PvCsC+HtQvdH0+e7ubPXLlZISznAUwgmR1UZAIUrkdaXT5/5/ovxQv8AL/L9dPkaGnfs0fDjWLFL3SPEWr39q5IWe1vreVGIODhliIODVr/hlTwR/wBBXxB/4EQf/Ga7f4S67b694DjeDRbPRJrS4ltLqysY1SBJkb5ygHGCTnv1xk9T21U1Z6CR896N+zV4P1HVvEFrPqWuKmm6glrCUnhBZTawTZbMXJ3SsOMcAfU6/wDwyp4I/wCgr4g/8CIP/jNek+F/+Ri8Z/8AYaj/APTfZ10lIZ4Pbfs0/Di9vLq0s/Eer3FzZsFuYYr63Z4CeQHURZUn3qhqXwG+EOi3ps9Y8b3VhdKAxgutWtInAPQ7WjBrs/hn/wAle+Jv/X9bf+gNVP8AaL0HSG+GGo6w2lWR1MS26C+NsnnBfNUY8zG7GOMZpa2j52/G3+Y0ryku1/wOa0v4BfCPXLs2ui+NbvUbgKXMNpqtpK4UdTtWMnHI5q6P2afhwdWOljxHq51ARecbT7db+cI8437PKztzxnGK0fG+g6T8PvGXgnxjoWm2mlWa3n9nakLOBIUaOZcK7BQBwc8/StT4Tf8AFS+LPGHjuT5o7+9/s+wY/wDPvAMZHsxwfqpqlr8r3+Vv81+JF9L97W+d/wDJ/gcTf/Ar4O6VfSWWqeO7iyuoseZBc6xZxumRkZVowRwQamuv2fvhNY6bbahe+Mr22srr/j3uZtUtUjm4z8jGPDceldL8Y9E0bVdT0Xw5ZaLpf9u+KLwRzai1lE1xDbRgGWQORncFwAfTOKzLzwtod98bJ/DWo6fDPpGj+EdljazrvSLLgGRQf4sH73XPeov7t/X8E2/8vv7Glvet6fi7IqX37OPwx0x7VNS8U6naNeNstluNQtozO3HCZi+Y8jgeoqwf2Yfh6t+li2va0Lt4zKtuby38xkBALBfKyQCQM9ORWV4O8Gaz4v8AhToupQ3tmsU2iz6PcPeu0ZtoVutyzJhTuIVMbTtHCndXT6F4+0vTNcutf1q31CeTVYoTBMkalbDTfN8m3eTcwP7x2aQhQx+YZHArRxtLl9f1t/n9/Yzv7t/6/rp93cqf8MqeCP8AoK+IP/AiD/4zR/wyp4I/6CviD/wIg/8AjNd38U/F954L8Dy6jpUUUl/NPHaWxnP7tHkbAZvYDJ/KuPfxH428D+KF8P8AifxDb+If7U0i6urW7Sxjt3tJ4Y2YjavDIcdSMk+mDnPmVm+36K/5F21S/re35lT/AIZU8Ef9BXxB/wCBEH/xmj/hlTwR/wBBXxB/4EQf/Ga6P4NXfi/X/C9r4m8WeJU1GHUID5NgljHEISHI3mRQCxIXpgAZrI8VfEbXn8bT+F31LT/ANqJHWDWNUt3me8CgNvh3qsAX+E7mJ+YY5q2mpcvUmLTXN0Kf/DKngj/oK+IP/AiD/wCM1keLP2avB+g+C9b1ez1LXHuNP0+e6iWWeEozJGzAMBEDjI5wRXvOk2P9m6Ra2Ru7i98iJY/tN1JvllwPvM3cn1rG+I//ACSzxX/2Bbz/ANEPQ9wWqPj/AP4QPTP+e93/AN9r/wDE0V01FfPfWKv8x5Xtqnc574M/8jNe/wC5Y/8Ap2sa+ua+QvhDbQXmv6hb3cMc8MsVkkkcqBldTqtkCCDwQQSCPevqL/hAPB3/AEKeh/8Agth/+Jr6FVfZ6WPRqK7NCXS7ObVoNTkh3XlvG0cUm4/KrY3DGcHoOoqjN4R0WaIo1oy5uZLrfHPIjiSTO8h1YMA2eQDj2pv/AAgHg7/oU9D/APBbD/8AE0f8IB4O/wChT0P/AMFsP/xNJ1oPeIRqVI7Sa/r/AIJbtNC02xvIrqztFhlhthaRlCQFiByF25x174zVfUPCuk6pq8eqXcVwL6OPykngvJoWVOeBsYeppn/CAeDv+hT0P/wWw/8AxNH/AAgHg7/oU9D/APBbD/8AE0OvFqziCqVIy5lJ3NpFCIqrkhRgbiSfzPJqjqui2OtJAuoRyN9nl82Fop3iZHwRkMhB6E96p/8ACAeDv+hT0P8A8FsP/wATR/wgHg7/AKFPQ/8AwWw//E03iE9GiI3i+aLsyw3h3TZILWKdJ7hbS5F1AZ7qWVkkAIB3MxJ6ngnHtT9U0HTNals5NUtVuHsphNbksRscd+CM9Bwciqn/AAgHg7/oU9D/APBbD/8AE0f8IB4O/wChT0P/AMFsP/xNHt42tyl89S/NzO/+Zq3lnBqFjPZ3ieZb3EbRSpkjcrDBGRyOD2qtdaJp97p0FlPC3k2xUwbJXR4iowCrqQwOOMg9CfWqf/CAeDv+hT0P/wAFsP8A8TR/wgHg7/oU9D/8FsP/AMTQ8RF7xJi5R2bRej0ewi0+2sY7ZVtbVkeKIE4BU5UnnnB55zzz1ptnoenWGpXN/aW+y5uf9Y+9iOuTgE4XJJJwBk8mqf8AwgHg7/oU9D/8FsP/AMTR/wAIB4O/6FPQ/wDwWw//ABNH1iN78oc07Ncz1J7nw1pN3qn9oXFpunLIz4lcJIyfdZ4wdrsOxYEjA9BVqx0y0037R9ii8r7TO1xL8xO6Rup5PHToOKzv+EA8Hf8AQp6H/wCC2H/4mj/hAPB3/Qp6H/4LYf8A4mhV4raI3KclyuTsSS+FdHmWUNasrS3RvGkjnkRxMRtLK6sGXI4wCBUU/gzQbi2ggax8uKCA2yrBNJFuiJyUbYw3rnnDZ5J9TS/8IB4O/wChT0P/AMFsP/xNH/CAeDv+hT0P/wAFsP8A8TS9tD+UpVqq2m/vZJP4U0a41AXkln+9DRsVSV1jdo/uFowQjFeMEg9B6Vf8Df8AIT8Xf9hpP/SC0rM/4QDwd/0Keh/+C2H/AOJrC0DwR4Um1vxOk3hjRpEg1RI4lbT4iI1+x2zbVG3gbmY4Hck96TrRaslYOeT+Jt2PXqK8+/4QDwd/0Keh/wDgth/+Jo/4QDwd/wBCnof/AILYf/iaj2iHznd3dpbX9nLaX1vFc20ylJYZkDo6nqCp4I9jXIp8JfB8HjOy8SWWkW1ncWURjitra2hjgLZyJCoTO8dmyMYFUv8AhAPB3/Qp6H/4LYf/AImj/hAPB3/Qp6H/AOC2H/4ml7RXuHPdWNq2+H+hHTYrTXrf/hJmheR4rnXkS8mQOclQzLwvQADsBWNZfBbwjY+DLvw3FBOYLq4+0m73IlzHICSjLIij7mTtyDjJHIJpP+EA8Hf9Cnof/gth/wDiaP8AhAPB3/Qp6H/4LYf/AImj2iD2hteDPAWl+CY71rG4vr+81CQSXd/qM/nXE5AwoZsDgZOOO9RTfDrS5dAi01bu+jmi1E6omoK6G4+1by3mElChPJXBXG3jHFZX/CAeDv8AoU9D/wDBbD/8TR/wgHg7/oU9D/8ABbD/APE0OomLnR13hzQLLwt4dtNG0zzDbWqbVaVtzuSSWZjxkkkk4AHPAFadeff8IB4O/wChT0P/AMFsP/xNH/CAeDv+hT0P/wAFsP8A8TTdS7uHOj0Gub8ef8i7a/8AYa0r/wBOFvWF/wAIB4O/6FPQ/wDwWw//ABNYXi/wR4UttEt3tvDGjQudU0+MtHp8Skq15CrLkL0KkgjuCRR7RD5z16mTxLcW8kLkhZFKkjrgjFcD/wAIB4O/6FPQ/wDwWw//ABNH/CAeDv8AoU9D/wDBbD/8TSc01ZoFUs7oy7P9n/QrTTo9LbxP4suNHVsvpUmqAWso3birIiLwTycYPfOa6fxT8NdD8U2umRs95pM+kcWF5pU/kTWy4AKq2CACAB07cYrM/wCEA8Hf9Cnof/gth/8AiaP+EA8Hf9Cnof8A4LYf/iabqXFzpF3SfhR4X0zwtqOhXEFxqsGqymbULjUJzJPdPnIZnGOR2Ix69SSaOifBnQ9J16x1W+1bXtem00f6BFrF/wCfHaHjDIoUYIwMZyOAcZAIX/hAPB3/AEKeh/8Agth/+Jo/4QDwd/0Keh/+C2H/AOJo9rZ3DnVrHoJGQRXI6b8OrDR/h63hHStW1iyti7Ot7b3Kx3SEyeYdrqoA546dCRWZ/wAIB4O/6FPQ/wDwWw//ABNH/CAeDv8AoU9D/wDBbD/8TS50P2g3xH8HNN8SeKYPEM/iTxJZajb2620MtjepEY0AIOG8ssCcsTzyWNTan8I9L1XT9JjuNe8RJqWkh1g1qPUMXzI5JZHl28jn0yAMZ5OY/wDhAPB3/Qp6H/4LYf8A4mj/AIQDwd/0Keh/+C2H/wCJo9otg5zqvC3hfS/B3h220XQ4THawA8u255GPLOx7sTyf0wMCtevPv+EA8Hf9Cnof/gth/wDiaP8AhAPB3/Qp6H/4LYf/AImm6t3di5kjd8L/APIxeM/+w1H/AOm+zrpK8h0DwR4Um1vxOk3hjRpEg1RI4lbT4iI1+x2zbVG3gbmY4Hck963f+EA8Hf8AQp6H/wCC2H/4mj2iHzkeo/BrT73xNqeuWfirxVo9zqkgluU0vUVgjYgYHATJx7k9TWtqvw4sNc+Hg8Iavq2sXlruVmvZ7lZLpysm8bnZSDzx06Vm/wDCAeDv+hT0P/wWw/8AxNH/AAgHg7/oU9D/APBbD/8AE0lUSSS/q2we01udN4s8J6d4y8J3Xh7VzKLS5VQzwsBIhVgwKkggHIHapvDHh2x8JeGbHQtK8z7JZR+XGZCC7c5LMQACSSSeB1rk/wDhAPB3/Qp6H/4LYf8A4mj/AIQDwd/0Keh/+C2H/wCJp+0WvmLmWnkdHd+EbG98c6f4qmnuftun20ltDCGXytr/AHmI253dsgj6VmeM/hnpHjW+t765vdU0u/hha3+16Vc+TJJC3WJyQQVyScYrP/4QDwd/0Keh/wDgth/+Jo/4QDwd/wBCnof/AILYf/iaXOrWsP2mtzopvBult4G/4RK0M9jpf2cW223kw/lfxLuYH7wyCeuGPIPNZ+v/AA10TxDqkF5cSXdsqQRW01tauixXMMUoljjcFSQAw/hKnBxnFZv/AAgHg7/oU9D/APBbD/8AE0f8IB4O/wChT0P/AMFsP/xNP2uvN1FzK3L0Ot8SeHNM8WeH7nRtdt/tFlcgB03FSCDkEEcgggGuX0L4RaJok13cz6lrOsXtxZNYpeareefLbQMCCkR2gKOfQ/kSDF/wgHg7/oU9D/8ABbD/APE0f8IB4O/6FPQ//BbD/wDE0uda6bj9pt5HVeFfDdn4Q8L2Wg6bJPLa2SFI3uGDOQWLckADqfQVd1HTLDWLF7LVrK3vrWTG+C5iWRGwcjKsCDyM1xH/AAgHg7/oU9D/APBbD/8AE0f8IB4O/wChT0P/AMFsP/xNN1ObcSkkrI7fS9Ms9F0q203TIfIs7WMRQxBi2xQMAZJJP41i/Ef/AJJZ4r/7At5/6IesL/hAPB3/AEKeh/8Agth/+JqK48BeD1tZSvhTQwQhII06Hjj/AHaPaXeoc6PB6K99/wCEA8Hf9Cnof/gth/8AiaK8v6mv5vw/4JxfV/M//9k=" /> For Expert Consultation call Scott at 847-903-7578 Rates Apartment Loans Commercial Mortgages Chicago, Nationally, <a href="https://docs.google.com/spreadsheets/d/1btq3oYU6LOEgG4XvJ1MVX45hzsqP10HK1DkW2ujpX8U/edit#gid=0" target="_blank">Small Apartment Loan Rates</a>Anonymoushttp://www.blogger.com/profile/17960304315237677226noreply@blogger.comtag:blogger.com,1999:blog-2129516615528719509.post-73939316283870310172016-01-18T17:01:00.000-08:002016-01-18T17:01:08.400-08:00Apartment Loan FHA 223f 221d4 FNMAFor expert service call Scott at 847 903-7578<br />
<br />
<iframe src="https://docs.google.com/spreadsheets/d/1btq3oYU6LOEgG4XvJ1MVX45hzsqP10HK1DkW2ujpX8U/pubhtml?gid=0&single=true&widget=true&headers=false"></iframe>Anonymoushttp://www.blogger.com/profile/17960304315237677226noreply@blogger.comtag:blogger.com,1999:blog-2129516615528719509.post-25477710056864569352014-01-16T09:26:00.001-08:002014-01-16T09:26:55.426-08:00Apartment Lender APARTMENT Loan Rates FHA 223f FNMA DUS FNMA Small Apartment Loans: Apartment Loan Rates FHA 223 F FNMA DUS slightly l...<iframe width='500' height='300' frameborder='0' src='https://docs.google.com/spreadsheet/pub?key=0Ap3HfXzExHJ3dEZYVmc5MHRzaXRXSThDazNoV1FiSUE&single=true&gid=0&output=html&widget=true'></iframe><a href="http://apartmentlender.blogspot.com/2014/01/apartment-loan-rates-fha-223-f-fnma-dus.html?spref=bl">Apartment Lender APARTMENT Loan Rates FHA 223f FNMA DUS FNMA Small Apartment Loans: Apartment Loan Rates FHA 223 F FNMA DUS slightly l...</a>: 847 903- 7578 Scott Apartment Loans Commercial Mortgages Chicago, Nationally, Small Apartment Loans, FHA 223 F,FNMA DUS, FNMA Small Apartmen...Anonymoushttp://www.blogger.com/profile/17960304315237677226noreply@blogger.comtag:blogger.com,1999:blog-2129516615528719509.post-42323288301443733452013-11-20T11:35:00.000-08:002013-11-20T11:35:17.318-08:00new Small balance loans - fix/rehab type loans Chicago Suburbs Scott 847-903-7578 Chuck 773-259-7074Small balance loans and focus on "story book" type
loans which need to close fast and loans that banks will not fund on (i.e. broken condos, fix/rehab type loans, etc).<br />
<br />
Or the standards for existing apartments FNMA and FHA RATES
<iframe frameborder="0" height="300" src="https://docs.google.com/spreadsheet/pub?key=0Ap3HfXzExHJ3dEZYVmc5MHRzaXRXSThDazNoV1FiSUE&single=true&gid=0&output=html&widget=true" width="500"></iframe>Anonymoushttp://www.blogger.com/profile/17960304315237677226noreply@blogger.comtag:blogger.com,1999:blog-2129516615528719509.post-56097948345343312822013-10-17T09:44:00.000-07:002013-10-17T09:44:45.446-07:00Apartment rates move down on good news the Government is open.FNMA and Freddy open since congress not involved :)<br />
Bad news they went on vacation without re-authorizing FHA lending limit silly guys so no new FHA apartment and home loans resulting in slight downward pressure on home values and owner equity <br />
<br />
Hopefully they will return from vacation refreshed and ready to get America back to bidness<br />
<br />
<a href="http://www.kendallrealtyadvisors.com/ApartmentLoans.html" target="_blank">Apartment Loan Rates Link </a><br />
<br />
<br />
<iframe frameborder="0" height="300" src="https://docs.google.com/spreadsheet/pub?key=0Ap3HfXzExHJ3dEZYVmc5MHRzaXRXSThDazNoV1FiSUE&single=true&gid=0&output=html&widget=true" width="500"></iframe>Anonymoushttp://www.blogger.com/profile/17960304315237677226noreply@blogger.comtag:blogger.com,1999:blog-2129516615528719509.post-77659410809378883522013-09-10T10:51:00.000-07:002013-09-10T10:51:15.990-07:00Apartment Lender Rates FHA 223F FNMA up way up <iframe width='500' height='300' frameborder='0' src='https://docs.google.com/spreadsheet/pub?key=0Ap3HfXzExHJ3dEZYVmc5MHRzaXRXSThDazNoV1FiSUE&single=true&gid=0&output=html&widget=true'></iframe>Anonymoushttp://www.blogger.com/profile/17960304315237677226noreply@blogger.comtag:blogger.com,1999:blog-2129516615528719509.post-63578117870492439812013-04-12T13:16:00.000-07:002013-04-12T13:16:56.363-07:00Apartment Lender Loan Rates FHA 223 F FHA 232 Lean Assisted Living Scott Kendall 847-903-7578<iframe frameborder="0" height="300" src="https://docs.google.com/spreadsheet/pub?key=0Ap3HfXzExHJ3dEZYVmc5MHRzaXRXSThDazNoV1FiSUE&single=true&gid=0&output=html&widget=true" width="500"></iframe>Anonymoushttp://www.blogger.com/profile/17960304315237677226noreply@blogger.comtag:blogger.com,1999:blog-2129516615528719509.post-50097860651565103602013-03-20T08:51:00.000-07:002013-03-20T08:51:29.697-07:00Apartment Loan rates March 20, 2013 FHA 223 F FNMA Small loan FNMA<table border="0" cellpadding="0" cellspacing="0" class="tblGenFixed" dir="ltr" id="tblMain"><tbody>
<tr class="rShim"><td class="rShim" style="width: 0px;"><br /></td><td class="rShim" style="width: 22px;"><br /></td><td class="rShim" style="width: 2px;"><br /></td><td class="rShim" style="width: 220px;"><br /></td><td class="rShim" style="width: 149px;"><br /></td><td class="rShim" style="width: 149px;"><br /></td><td class="rShim" style="width: 185px;"><br /></td><td class="rShim" style="width: 177px;"><br /></td><td class="rShim" style="width: 149px;"><br /></td><td class="rShim" style="width: 149px;"><br /></td><td class="rShim" style="width: 18px;"><br /></td><td class="rShim" style="width: 149px;"><br /></td></tr>
<tr dir="ltr"><td class="hd"><div style="height: 44px;">
.</div>
</td><td class="s0"><br /></td><td class="s1"><br /></td><td class="s2" colspan="4" dir="ltr">APARTMENT LOAN RATES 847 903 7578</td><td class="s3" dir="ltr">KENDALL REALTY ADVISORS</td><td class="s4" colspan="2" dir="ltr">kendallrealty@gmail.com</td><td class="s5"><br /></td><td class="s6"><br /></td></tr>
<tr dir="ltr"><td class="hd"><div style="height: 39px;">
.</div>
</td><td class="s7"><br /></td><td class="s8"><br /></td><td class="s9" dir="ltr"><br />
FHA</td><td class="s10" dir="ltr">Freddie Mac</td><td class="s11" dir="ltr">FNMA DUS</td><td class="s12" dir="ltr">FNMA SMALL LOAN</td><td class="s13">3/20/2013</td><td class="s14"><br /></td><td class="s14"><br /></td><td class="s15"><br /></td><td class="s16"><br /></td></tr>
<tr dir="ltr"><td class="hd"><div style="height: 20px;">
.</div>
</td><td class="s7"><br /></td><td class="s17"><br /></td><td class="s18"><br /></td><td class="s19"><br /></td><td class="s20"><br /></td><td class="s21"><br /></td><td class="s22"><br /></td><td class="s22"><br /></td><td class="s22"><br /></td><td class="s15"><br /></td><td class="s16"><br /></td></tr>
<tr dir="ltr"><td class="hd"><div style="height: 44px;">
.</div>
</td><td class="s7"><br /></td><td class="s8"><br /></td><td class="s23" dir="ltr">FHA 223 (f) refinance / purchhase</td><td class="s24" dir="ltr">35 year term non-recourse Min size $1,500,000</td><td class="s25" dir="ltr">83.30% LTV purchase and NO cash out Refinance 87.5% Affordable Housing</td><td class="s25" dir="ltr">75% LTV Cash out Refinance 87.5% 100% Affordable Large Loans $25,000,000 to $500,000,000+ subject to Central Review and Approval</td><td class="s25" dir="ltr">1.2 to1 DSC - 100% Affordable 1.15 to 1</td><td class="s25" dir="ltr">FHA 223(f) Processing times from 4 to 7 months</td><td class="s26"><br /></td><td class="s15"><br /></td><td class="s27"><br /></td></tr>
<tr dir="ltr"><td class="hd"><div style="height: 56px;">
.</div>
</td><td class="s7"><br /></td><td class="s8"><br /></td><td class="s28" dir="ltr">ALL IN FHA 223 F 35 YR Apartment rate</td><td class="s29">3.58%</td><td class="s30" dir="ltr">add 20 basis points 232 /223 f health care assisted living</td><td class="s31" dir="ltr">35 year TERM fixed self amoritzed</td><td class="s32" colspan="2" dir="ltr">Typical FHA 223(f) upfront costs $15,000</td><td class="s33"><br /></td><td class="s15"><br /></td><td class="s16"><br /></td></tr>
<tr dir="ltr"><td class="hd"><div style="height: 44px;">
.</div>
</td><td class="s7"><br /></td><td class="s8"><br /></td><td class="s34" dir="ltr">Apartment Loan Programs</td><td class="s35" colspan="3" dir="ltr"><a href="http://www.google.com/url?q=http://www.kendallrealtyadvisors.com&usd=2&usg=ALhdy29odbgZW3ncxrd0MDf-p66Ip0XvIQ" target="_blank">www.kendallrealtyadvisors.com</a></td><td class="s36" colspan="3"><br /></td><td class="s37"><br /></td><td class="s16"><br /></td></tr>
<tr dir="ltr"><td class="hd"><div style="height: 14px;">
.</div>
</td><td class="s7"><br /></td><td class="s17"><br /></td><td class="s38"><br /></td><td class="s38"><br /></td><td class="s39"><br /></td><td class="s40"><br /></td><td class="s15"><br /></td><td class="s41"><br /></td><td class="s42"><br /></td><td class="s43"><br /></td><td class="s16"><br /></td></tr>
<tr dir="ltr"><td class="hd"><div style="height: 44px;">
.</div>
</td><td class="s7"><br /></td><td class="s8"><br /></td><td class="s44" dir="ltr">FNMA DUS</td><td class="s45" dir="ltr">TIER II (2) 1.25 to 1 DSC 75% LTV</td><td class="s45" dir="ltr">TIER III (3) 1.35 to 1 DSC 65% LTV</td><td class="s45" dir="ltr">TIER IV (4) 1.55 to 1 DSC 55% LTV</td><td class="s46" dir="ltr">2 months to commitment max in most cases</td><td class="s47" dir="ltr">Typically 30 year amortization balloon lons</td><td class="s48"><br /></td><td class="s49"><br /></td><td class="s16"><br /></td></tr>
<tr dir="ltr"><td class="hd"><div style="height: 44px;">
.</div>
</td><td class="s7"><br /></td><td class="s8"><br /></td><td class="s50" dir="ltr">10 Year 9.5 YM</td><td class="s51">4.17%</td><td class="s51">3.98%</td><td class="s51">3.80%</td><td class="s52" colspan="3" dir="ltr">Standard DUS PROGRAM nationally $1,000,000 to $100,000,000 plus Application Fee for reports $15,000 most deals very large call for quote</td><td class="s53"><br /></td><td class="s16"><br /></td></tr>
<tr dir="ltr"><td class="hd"><div style="height: 1px;">
.</div>
</td><td class="s7"><br /></td><td class="s8"><br /></td><td class="s50" dir="ltr">30 year FNMA 5.35%</td><td class="s54" colspan="3" dir="ltr">Call for 5, 7, 15 and 30 year</td><td class="s55" colspan="2" dir="ltr">MIN LOAN AMOUNT $1,000,000</td><td class="s56" dir="ltr">LOW COSTS</td><td class="s37"><br /></td><td class="s16"><br /></td></tr>
<tr dir="ltr"><td class="hd"><div style="height: 1px;">
.</div>
</td><td class="s7"><br /></td><td class="s8"><br /></td><td class="s57"><br /></td><td class="s51"><br /></td><td class="s51"><br /></td><td class="s51"><br /></td><td class="s58" colspan="3"><br /></td><td class="s59"><br /></td><td class="s60"><br /></td></tr>
<tr dir="ltr"><td class="hd"><div style="height: 44px;">
.</div>
</td><td class="s7"><br /></td><td class="s8"><br /></td><td class="s61" dir="ltr">SMALL APART LOAN</td><td class="s62" dir="ltr">TIER II (2) 1.25 to 1 DSC 75% LTV</td><td class="s62" dir="ltr">TIER III (3) 1.35 to 1 DSC 65% LTV</td><td class="s63" dir="ltr">TIER IV (4) 1.55 to 1 DSC 55% LTV</td><td class="s64" colspan="3" dir="ltr">***Nationally - FNMA Specified MSA and all national locations using FNMA rules for rate add on by location and size.***</td><td class="s37"><br /></td><td class="s65"><br /></td></tr>
<tr dir="ltr"><td class="hd"><div style="height: 44px;">
.</div>
</td><td class="s7"><br /></td><td class="s8"><br /></td><td class="s66" dir="ltr">10 Year 9.5 YM</td><td class="s51">4.36%</td><td class="s51">4.28%</td><td class="s51">4.08%</td><td class="s67" colspan="3" dir="ltr">LOW COST LOANS FOR STRONG BORROWER NET WORTH EQUAL TO LOAN SIZE ONE YEAR Debt Service Liquidity LOANS from $750,000 to $5m - $4,500 app fee cost Major Cities NY, Chicago and more only</td><td class="s43"><br /></td><td class="s16"><br /></td></tr>
<tr dir="ltr"><td class="hd"><div style="height: 1px;">
.</div>
</td><td class="s7"><br /></td><td class="s8"><br /></td><td class="s68"><br /></td><td class="s51"><br /></td><td class="s51"><br /></td><td class="s51"><br /></td><td class="s69"><br /></td><td class="s70"><br /></td><td class="s71"><br /></td><td class="s43"><br /></td><td class="s16"><br /></td></tr>
<tr dir="ltr"><td class="hd"><div style="height: 1px;">
.</div>
</td><td class="s7"><br /></td><td class="s8"><br /></td><td class="s68"><br /></td><td class="s51"><br /></td><td class="s51"><br /></td><td class="s51"><br /></td><td class="s72" colspan="2"><br /></td><td class="s73"><br /></td><td class="s59"><br /></td><td class="s16"><br /></td></tr>
<tr dir="ltr"><td class="hd"><div style="height: 44px;">
.</div>
</td><td class="s7"><br /></td><td class="s8"><br /></td><td class="s74" dir="ltr">Treasury bond rates</td><td class="s75">0.80%</td><td class="s75">1.30%</td><td class="s75">1.94%</td><td class="s75">3.17%</td><td class="s76" colspan="2" dir="ltr">Updated 9:35 am June 11, 2012</td><td class="s37"><br /></td><td class="s16"><br /></td></tr>
<tr dir="ltr"><td class="hd"><div style="height: 44px;">
.</div>
</td><td class="s7"><br /></td><td class="s8"><br /></td><td class="s74" dir="ltr">Treasury Bond Term Years</td><td class="s77">5</td><td class="s77">7</td><td class="s77">10</td><td class="s77">30</td><td class="s78"><br /></td><td class="s79"><br /></td><td class="s80"><br /></td><td class="s16"><br /></td></tr>
<tr dir="ltr"><td class="hd"><div style="height: 44px;">
.</div>
</td><td class="s7"><br /></td><td class="s8"><br /></td><td class="s81" dir="ltr">Freddie Mac</td><td class="s82" dir="ltr">Deal by Deal pricing high 3% to low 5%</td><td class="s82" dir="ltr">Typically prefer larger loans large MSA's</td><td class="s82" dir="ltr">Deal by Deal - Up, Down, Equal by 10 to 20 basis points FNMA tier level</td><td class="s82" dir="ltr">Time frame longer approval not delagated add one month over FNMA</td><td class="s83" dir="ltr">CALL FOR QUOTE (847) 903-7578 FREDDIE MAC FNMA FHA - SCOTT</td><td class="s84" dir="ltr">Expanding conservative loans for Student Housing Assisted living</td><td class="s43"><br /></td><td class="s16"><br /></td></tr>
<tr dir="ltr"><td class="hd"><div style="height: 14px;">
.</div>
</td><td class="s7"><br /></td><td class="s17"><br /></td><td class="s85" colspan="4"><br /></td><td class="s86"><br /></td><td class="s86"><br /></td><td class="s87"><br /></td><td class="s88"><br /></td><td><br /></td></tr>
<tr dir="ltr"><td class="hd"><div style="height: 24px;">
.</div>
</td><td class="s7"><br /></td><td class="s8"><br /></td><td class="s89" colspan="7" dir="ltr">FNMA LARGE LOAN NATIONALLY $5 Million to $200,000,000 - FNMA "SMALL LOAN" SPECIFIED LARGE MSA - *</td><td class="s90"><br /></td><td><br /></td></tr>
<tr dir="ltr"><td class="hd"><div style="height: 44px;">
.</div>
</td><td class="s7"><br /></td><td class="s8"><br /></td><td class="s91" colspan="7" dir="ltr"><a href="http://www.google.com/url?q=http://WWW.KENDALLREALTYADVISORS.COM&usd=2&usg=ALhdy28zEjD_AVWtu6GjnbjkaR9bAbtB5A" style="color: black;" target="_blank">WWW.KENDALLREALTYADVISORS.COM</a></td><td class="s92"><br /></td><td><br /></td></tr>
<tr dir="ltr"><td class="hd"><div style="height: 21px;">
.</div>
</td><td class="s7"><br /></td><td class="s93"><br /></td><td class="s86"><br /></td><td class="s86"><br /></td><td class="s86"><br /></td><td class="s86"><br /></td><td class="s86"><br /></td><td class="s86"><br /></td><td class="s86"><br /></td><td class="s93"><br /></td><td><br /></td></tr>
<tr dir="ltr"><td class="hd"><div style="height: 74px;">
.</div>
</td><td class="s94"><br /></td><td><br /></td><td class="s95" colspan="7"><br /></td><td><br /></td><td><br /></td></tr>
<tr dir="ltr"><td class="hd"><div style="height: 44px;">
.</div>
</td><td class="s94"><br /></td><td><br /></td><td class="s96" colspan="7"><br /></td><td><br /></td><td><br /></td></tr>
<tr dir="ltr"><td class="hd"><div style="height: 44px;">
.</div>
</td><td class="s94"><br /></td><td><br /></td><td colspan="5" rowspan="4"><br /></td><td><br /></td><td><br /></td><td><br /></td><td><br /></td></tr>
<tr dir="ltr"><td class="hd"><div style="height: 44px;">
.</div>
</td><td class="s94"><br /></td><td><br /></td><td><br /></td><td><br /></td><td><br /></td><td><br /></td></tr>
<tr dir="ltr"><td class="hd"><div style="height: 44px;">
.</div>
</td><td class="s94"><br /></td><td><br /></td><td><br /></td><td><br /></td><td><br /></td><td><br /></td></tr>
<tr dir="ltr"><td class="hd"><div style="height: 44px;">
.</div>
</td><td class="s94"><br /></td><td><br /></td><td><br /></td><td><br /></td><td><br /></td><td><br /></td></tr>
</tbody></table>
Anonymoushttp://www.blogger.com/profile/17960304315237677226noreply@blogger.comtag:blogger.com,1999:blog-2129516615528719509.post-87301721694832499512013-01-11T09:03:00.001-08:002013-01-11T09:03:08.152-08:00Apartment loan rates FHA 223 f FHA 232 Rates senior housing<iframe width='500' height='300' frameborder='0' src='https://docs.google.com/spreadsheet/pub?key=0Ap3HfXzExHJ3dEZYVmc5MHRzaXRXSThDazNoV1FiSUE&single=true&gid=0&output=html&widget=true'></iframe>Anonymoushttp://www.blogger.com/profile/17960304315237677226noreply@blogger.comtag:blogger.com,1999:blog-2129516615528719509.post-17158400186824718012012-12-17T07:29:00.000-08:002012-12-17T07:29:06.383-08:00FHA Apartment Loan Rates FNMA Apartment Loans 847-903-7578<iframe width='500' height='300' frameborder='0' src='https://docs.google.com/spreadsheet/pub?key=0Ap3HfXzExHJ3dEZYVmc5MHRzaXRXSThDazNoV1FiSUE&single=true&gid=0&output=html&widget=true'></iframe>Anonymoushttp://www.blogger.com/profile/17960304315237677226noreply@blogger.comtag:blogger.com,1999:blog-2129516615528719509.post-48687435602234823102012-12-06T07:59:00.003-08:002012-12-06T07:59:48.168-08:00Interest Rates FHA FNMA Apartment Loans<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg1JEMBIUaauxGjLvcs8QSKo_jjjQuegF-qSHukc8kxVAy1bang1B7byO-BF4g6YoouArde8RiOTHEMjAXecMh6otshbAb7QT1ClifUBogdi-QwkfbvkV0ReknS6tqu7PEM8VyC_dmxRjQ/s1600/interest+rates.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="323" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg1JEMBIUaauxGjLvcs8QSKo_jjjQuegF-qSHukc8kxVAy1bang1B7byO-BF4g6YoouArde8RiOTHEMjAXecMh6otshbAb7QT1ClifUBogdi-QwkfbvkV0ReknS6tqu7PEM8VyC_dmxRjQ/s640/interest+rates.JPG" width="640" /></a></div>
<iframe frameborder="0" height="300" src="https://docs.google.com/spreadsheet/pub?key=0Ap3HfXzExHJ3dEZYVmc5MHRzaXRXSThDazNoV1FiSUE&single=true&gid=0&output=html&widget=true" width="500"></iframe>Anonymoushttp://www.blogger.com/profile/17960304315237677226noreply@blogger.comtag:blogger.com,1999:blog-2129516615528719509.post-33623449691040438112012-11-29T14:03:00.001-08:002012-11-29T14:03:44.169-08:00FHA FNMA APARTMENT LOAN RATES 847 903 7578<iframe frameborder="0" height="300" src="https://docs.google.com/spreadsheet/pub?key=0Ap3HfXzExHJ3dEZYVmc5MHRzaXRXSThDazNoV1FiSUE&single=true&gid=0&output=html&widget=true" width="500"></iframe>Anonymoushttp://www.blogger.com/profile/17960304315237677226noreply@blogger.comtag:blogger.com,1999:blog-2129516615528719509.post-12292668213962612132012-10-11T11:03:00.002-07:002012-10-11T11:03:40.212-07:00Apartment loan rates FHA A7 223F fast service low fees great rates<iframe frameborder="0" height="300" src="https://docs.google.com/spreadsheet/pub?key=0Ap3HfXzExHJ3dEZYVmc5MHRzaXRXSThDazNoV1FiSUE&single=true&gid=0&output=html&widget=true" width="500"></iframe> <a href="http://www.kendallrealtyadvisors.com/">http://www.kendallrealtyadvisors.com/</a>Anonymoushttp://www.blogger.com/profile/17960304315237677226noreply@blogger.comtag:blogger.com,1999:blog-2129516615528719509.post-69525905134564055852012-10-02T14:26:00.000-07:002012-10-02T14:26:27.827-07:00APARTMENT LOAN RATES CHICAGO NATIONALLY <br />
<a href="http://www.kendallrealtyadvisors.com/">APARTMENT LOAN RATES CHICAGO NATIONALLY</a><br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgv2O7pGg_Kct0Jdxib5y8LTzKJ4FfmDo8d967cqPM8RacDRJatpLuXX6LUMpPl-8deYKwaxY5TM10fUQeDZsIgclr3-jc6Qn4WApb5jzDfspCz5SxD953LjNSRtjGVeVlTg5qHVkpkVa4/s1600/apartment+loan+rates+Chicago+10-2-12.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="466" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgv2O7pGg_Kct0Jdxib5y8LTzKJ4FfmDo8d967cqPM8RacDRJatpLuXX6LUMpPl-8deYKwaxY5TM10fUQeDZsIgclr3-jc6Qn4WApb5jzDfspCz5SxD953LjNSRtjGVeVlTg5qHVkpkVa4/s640/apartment+loan+rates+Chicago+10-2-12.jpg" width="640" /></a></div>
<a href="http://www.kendallrealtyadvisors.com/"> APARTMENT LOAN RATES CHICAGO NATIONALLY</a><br />
Anonymoushttp://www.blogger.com/profile/17960304315237677226noreply@blogger.comtag:blogger.com,1999:blog-2129516615528719509.post-83189427365540073162012-09-20T10:06:00.000-07:002012-09-20T10:06:46.301-07:00APARTMENT LOAN RATES FHA 223 F FNMA<br />
<a href="https://docs.google.com/spreadsheet/ccc?key=0Ap3HfXzExHJ3dEZYVmc5MHRzaXRXSThDazNoV1FiSUE">APARTMENT LOAN RATES 223F FNMA </a><br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjqSPtPmbWqw-L39TVITmZFwYwUPEKAQW3JOH2fhT63l7qKDmn9EiclPR6TuC6_3s1EBhYb341LMGEiKZeqfD2M825nHsqpYjQ75-q0SBmTvjugh-n2QY21fn5oUIzj9FpA-E1W6LV-Bnc/s1600/APARTMENT+LOAN+RATES+FHA+223F+FNMA+9-20-12.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="470" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjqSPtPmbWqw-L39TVITmZFwYwUPEKAQW3JOH2fhT63l7qKDmn9EiclPR6TuC6_3s1EBhYb341LMGEiKZeqfD2M825nHsqpYjQ75-q0SBmTvjugh-n2QY21fn5oUIzj9FpA-E1W6LV-Bnc/s640/APARTMENT+LOAN+RATES+FHA+223F+FNMA+9-20-12.jpg" width="640" /></a></div>
<br />
<br />
<br />
<a href="https://docs.google.com/spreadsheet/ccc?key=0Ap3HfXzExHJ3dEZYVmc5MHRzaXRXSThDazNoV1FiSUE">APARTMENT LOAN RATES 223F FNMA </a><br />
<br />
<a href="http://www.kendallrealtyadvisors.com/">http://www.kendallrealtyadvisors.com/</a><br />
Anonymoushttp://www.blogger.com/profile/17960304315237677226noreply@blogger.comtag:blogger.com,1999:blog-2129516615528719509.post-86634176212113432742012-05-24T08:35:00.001-07:002012-05-24T08:35:19.966-07:00commercial property, prices recovered to mid-2003 Levels CoStar 2012 News APARTMENT LOAN RATES LINK<br />
<a href="https://docs.google.com/spreadsheet/ccc?key=0Ap3HfXzExHJ3dEZYVmc5MHRzaXRXSThDazNoV1FiSUE" target="_blank"><br class="Apple-interchange-newline" />APARTMENT LOAN RATES LINK</a><br />
<span style="font-size: x-large;"><span style="background-color: white; color: black; display: inline !important; float: none; font-family: Arial, Helvetica, sans-serif;"><a href="http://www.costar.com/News/Article/CRE-Price-Recovery-Continues-Despite-Seasonal-Volatility/138593" target="_blank">Despite a generally flat March for pricing of commercial property, prices recovered to mid-2003</a> levels in the first quarter as improving fundamentals and liquidity causing a broadening of the recovery into non-core </span><a href="http://www.showcase.com/" style="background-color: white; color: #3366cc; font-family: Arial, Helvetica, sans-serif; margin: 0px; padding: 0px; text-decoration: none;" target="_blank">commercial real estate</a><span style="background-color: white; color: black; display: inline !important; float: none; font-family: Arial, Helvetica, sans-serif;"> and secondary markets, according to </span><a href="http://www.costar.com/ccrsi/index.aspx" style="background-color: white; color: #3366cc; font-family: Arial, Helvetica, sans-serif; margin: 0px; padding: 0px; text-decoration: none;" target="_blank">this month's CoStar Commercial Repeat Sale Indices (CCRSI) report.</a><span style="background-color: white; color: black; display: inline !important; float: none; font-family: Arial, Helvetica, sans-serif;"> </span></span><br />
<br />
<span style="font-size: x-large;"><span style="background-color: white; color: black; display: inline !important; float: none; font-family: Arial, Helvetica, sans-serif;">At this rate it will be 2006 in ten short years. Oprah sells her Chicago condo for about 1/2 of what she paid. say $3,000,000 on $6,000,000 cost plus extra shoe closets.</span></span><br />Anonymoushttp://www.blogger.com/profile/17960304315237677226noreply@blogger.comtag:blogger.com,1999:blog-2129516615528719509.post-1981232436560181372012-04-16T09:23:00.001-07:002012-04-16T09:23:52.660-07:00Apartment Loans Nationally $2,000,000 and up Small Apartment loans Chicago FNMA FHA and Community Banks<br />
Apartment Loans Nationally $2,000,000 and up<br />
<a href="http://www.blogger.com/goog_1026090946">Small Apartment loans Chicago</a><br />
<a href="http://www.kendallrealtyadvisors.com/commercialmortgages.html" target="_blank">FNMA FHA and Community Banks</a><br />
<br />
<a href="http://www.kendallrealtyadvisors.com/rates.html">RATES </a><br />Anonymoushttp://www.blogger.com/profile/17960304315237677226noreply@blogger.comtag:blogger.com,1999:blog-2129516615528719509.post-13110058891151646992011-04-03T16:59:00.001-07:002011-04-03T16:59:33.119-07:00FHA 223(f) Rates 4.50% 35 years<div style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px;"><a href="http://www.kendallrealtyadvisors.com/FHA223F.html">FHA 223(f) Loans</a> Rates 4.5% due to the AAA rating of the GNMA securities Loan amount $2,500,000 and up</div><div style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px;"><br />
</div><div style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px;">This program offers the best rate available for apartment loans and allows for refinancing of debt up to 83.33% and cash out loans up to 75% of value. The process takes about five or six months depending on FHA office and cost a little more than FNMA and Freddie Mac for the reports and FHA exam fee ($3 per $1,000).</div><div style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px;"><br />
</div><div style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px;">The borrower must also hold excess cash flow in an account and only withdraw excess cash flow every 6 months. Annual Audits of income and expenses and balance sheets are also required.</div><div style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px;"><br />
</div><div style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px;">The interest rates and term (35 years) are the main draw. With FNMA and Freddie Mac Multifamily operations under Government control and their parent company destined for closure, FHA GNMA MBS securities have become the highest rated mortgage backed securities with the lowest rates. </div><div style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px;"><br />
</div><div style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px;">This program is not for everyone but for large apartment loans you currently save one or more percent over FNMA or Freddie Mac 10 year loans.</div>Anonymoushttp://www.blogger.com/profile/17960304315237677226noreply@blogger.comtag:blogger.com,1999:blog-2129516615528719509.post-82108583066130691552011-04-03T16:53:00.001-07:002011-04-03T16:53:55.948-07:00FHA 221(d(4 New Construction<div style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px;"><div style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px;">FHA 221(d)4 New construction loans are being funded by FHA but the total amount of new construction funding is much smaller than the 223(f) refinance funding. Rates at about 1.25 percent higher than 223(f) rates which are about 5% currently.</div></div><div style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px;"><div style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px;"><br />
</div></div><div style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px;"><div style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px;">The cost of qualifying for a FHA new construction loan exceeds most other financing programs since the developer must pay for working drawings, about $30,000 in lender required reports and an FHA exam fee of $3 per $1,000 of mortgage request. The contractor must be able to bond a fixed construction price using Davis Bacon Prevailing local wages. </div></div><div style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px;"><div style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px;"><br />
</div></div><div style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px;"><div style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px;">The typical FHA borrower that use the FHA 221(d)4 program ofter is a repeat client and the transactions are normally in excess of $5,000,000 due to the costs of preparing for closing of the loan.</div></div><div style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px;"><div style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px;"><br />
</div></div><div style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px;"><div style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px;">FHA allows a maximum loan of 83.33% of cost for market rate properties and slightly higher for affordable rental housing. They also require an operating deficit fund and a 4% working capital letter of credit or cash deposit. Basically the equity requirement even after net out BSPRA (Deferred Developer Profit) equals or exceeds 20% at this time.</div></div>Anonymoushttp://www.blogger.com/profile/17960304315237677226noreply@blogger.comtag:blogger.com,1999:blog-2129516615528719509.post-57671511365489254062009-09-19T12:47:00.001-07:002009-09-19T12:47:39.058-07:00FHA Apartment Loan RatesFHA 223(f) GNMA rates have been around 5% plus MIP for apartment refinance and purchase loans.<br />
<br />
FHA 221(d)(4) GNMA rates have been just below 6% plus MIP for apartment construction and rehab loans.Anonymoushttp://www.blogger.com/profile/17960304315237677226noreply@blogger.comtag:blogger.com,1999:blog-2129516615528719509.post-41431588181979884762009-08-04T08:04:00.000-07:002009-08-04T08:11:13.276-07:00FHA 223(f) Apartment Loans New Construction TakeoutsFHA is offering waivers for the three year rule for properties that have a Certificate of Occupancy (Co) prior to the date of loan application. This allow us to use the FHA 223(f) program to finance up to 85% of the value of the property if there is no cash out and 80% of the value in cash out transactions.<br /><br />See:<a href="http://www.kendallrealtyadvisors.com/FHA223F.html">http://www.kendallrealtyadvisors.com/FHA223F.html</a>Anonymoushttp://www.blogger.com/profile/17960304315237677226noreply@blogger.comtag:blogger.com,1999:blog-2129516615528719509.post-13272853205851128072009-05-07T10:30:00.000-07:002009-05-07T10:32:25.418-07:00FHA Apartment Loan RateThe treasury auction flops rates on 10 year treasury jump 15 basis points.<br /><br />Rates are going up.Anonymoushttp://www.blogger.com/profile/17960304315237677226noreply@blogger.comtag:blogger.com,1999:blog-2129516615528719509.post-2114810896866446592009-04-24T12:05:00.000-07:002009-04-24T12:06:03.134-07:00Apartment and Healthcare LoansThe State of Apartment and Healthcare Finance - by Kendall Realty Advisors, Scott Kendall VP-CFO<br /><br /><strong>FHA 223(f)</strong> Rates in 5.25% to 5.75% range including MIP<br />Large Cash out Requests are getting looked at very carefully. 1.17 to DSC<br />80% cash out loans (Maybe) 85% loans to purchase or up to 85% refinance no cash out.<br /><br /><br /><strong>Fannie Mae Freddie Mac Multifamily Rates</strong> about 5.5% 75% loan to value cash outs.<br /><br />80% Purchase transactions. 1.25 to 1 DSC<br /><br /><strong>FHA 221(d)(4)</strong> - Affordable Deals more likely to be approved. Market Rate Deals ONLY IN VERY STRONG MARKETS (ex: Downtown Chicago new construction not likely to be approved).<br /><br />In conclusion, refinance money is available but large cash outs transactions will not be approved above 75% Fannie Mae 80% FHA (Kendall Opinion)<br /><br />New Construction Waivers and 85% loans will be approved for stabilized recent construction transactions as part of the emergency waiver.<br /><br />All in All apartment lending even with more conservative lending practices is in the best shape of commercial lending programs due to the three agency programs.<br /><br /><strong>FHA 232 Lean</strong> CWCapital is a leader in FHA Lean, Program great for rehabilitation loans to meet new federal safety standards and for assisted living facilities.<br /><br /><strong>FHA 242 Hospital Loans </strong>- Program much faster and streamlined. We are working on several transactions, the rates are low but higher than multifamily loan rates, since we can not use GNMA to provide a AAA rating.Anonymoushttp://www.blogger.com/profile/17960304315237677226noreply@blogger.comtag:blogger.com,1999:blog-2129516615528719509.post-23775963614984038582009-04-18T23:04:00.000-07:002009-04-23T09:48:44.982-07:00Apartment Construction Loans and Affordable HousingOur experience professionals can give you the a straight answer on your refinance or construction loan options and rates. We have been providing FHA Fannie Mae and Freddie Mac Apartment Loans for over 25 years.<br /><br />Kendall Realty Advisors is providing loans for Market Rate Apartments and Affordable Multifamily Developments using FHA, Fannie Mae and Freddie Mac.<br /><br />Rates for New Construction are less than 7% and refinance rates are in the low 5% range.<br /><br />Kendall Realty Advisors are also working on several tax-exempt bond transactions using FHA and Freddie Mac credit enhancement.Anonymoushttp://www.blogger.com/profile/17960304315237677226noreply@blogger.comtag:blogger.com,1999:blog-2129516615528719509.post-70429207270107143912009-04-01T18:53:00.000-07:002009-04-01T18:54:59.532-07:00FHA Apartment RatesFHA 223(f) Rate 5.45% plus MIP<br /><br />FHA 221(d) Rates 6.3% plus MIPAnonymoushttp://www.blogger.com/profile/17960304315237677226noreply@blogger.com