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DISCOVER PRESIDENT’S MESSAGE YOUR Jennifer Stevenson 2020 NYSAR PRESIDENT BENEFITS Dear colleague, Ready for business. Welcome to the NYSAR family and thank you for your NYSAR membership. Our theme for 2020 is community service because “That’s Who We R.” Set for success. As your 2020 NYSAR president, I am amazed by the involvement of our members in our communities. They vary from activities through service organizations to creating not-for-profits to fill the needs of the underserved. 1 Get Involved I want to share these stories with our members so we all can be inspired to make a difference. 2 “REALTOR® Care Week” will be held again in June and will continue with Legal & Techline events in the communities we serve. We will partner with local boards in selecting projects needed to revitalize our communities and promote our 3 REALTOR® Advocacy community service advocacy. Please get involved with your board or a neighboring one. Let’s share “Who We R!” I ask you to step up and participate at both the NYSAR and local level. Attend Lobby Day, volunteer at a 4 Market Data & food pantry or join a new committee to help make a difference. During the year, I, along with the rest of our 2020 NYSAR Leadership Team, will participate in events across the state. We will also host a series Information Resources of town hall style meetings open to all members. I invite you to join us! 5-6 Member Perks SAVING YOU time & money! “Never doubt that a small group of thoughtful citizens can change the world. Indeed, it is the only thing that ever has.” – Margaret Mead EDUCATION 7-9 GRI SUCCESS starts here! David Legaz President-Elect Jennifer Vucetic Secretary/Treasurer Duncan R. MacKenzie Chief Executive Officer 9 ABR, AHWD 10 CIPS, e-Pro, PSA, GREEN HOW NYSAR WORKS FOR YOU: NYSAR stays on top of industry changes 11 SRES, SRS, SFR so you’re ready for business today – and tomorrow by: 11 RSPS, SRES, SRS, SFR Boldly championing REALTOR® interests at the state Capitol. 12 NYSREEF Scholarships Delivering income-producing education that’s flexible and affordable. 12 Foundations Reducing risk with one-on-one legal services. Giving you credible market data and insights. 13 Contact GET IN TOUCH We’re here to help you! Connect with us!
GET NYSAR is your state association and we thrive because of you. No matter your role in the business or how long you’ve been a member, INVOLVED we encourage you to get involved by participating in our events and joining our committees. Business Meetings NYSAR Committee Sign-up Month Triple Play REALTOR® As part of our governance structure, nearly Sign up online each July to participate in the committees Convention & Trade Expo 30 committees, working groups and forums of interest to you and make your voice heard. Committees Assess your business and strategize new goals composed of REALTORS® from across the state range from professional standards and legislative policy to housing opportunities, education, communications, every year at Triple Play – your regional REALTOR® meet twice a year at the NYSAR Mid-Winter Convention and Trade Expo. Hosted each December marketing, technology and more. and Fall Business Meetings. The committees in Atlantic City, NJ, this event brings you a vast array examine issues affecting all aspects of the real of industry experts, more than 100 educational estate business and formulate policies to be REALTOR® Lobby Day sessions, over 15 hours of free CE credit, an expansive considered by the NYSAR Board of Directors. trade expo, and a variety of networking opportunities Meet face-to-face with your state legislators to help Attendees find the Business Meetings to advance the REALTOR® agenda and protect your – all for less than $100*. It is sure to provide both be a great opportunity to better understand business interests. an immediate and long-term positive impact on your what NYSAR does, take an active role in the career! Visit REALTORSTriplePlay.com for details. association and network with peers. *When you register online during the early-bird period. SAVE THE DATE 2020* FEBRUARY 9 - 13 MARCH 13 - 16 MARCH 31 - APRIL 1 MAY 5 MAY 10 - 16 NYSAR Mid-Winter NAR Association NAR Broker Summit NYSAR Lobby Day REALTORS® Legislative Business Meetings Executives Institute Meetings & Trade Expo JULY 13 - 15 OCTOBER 4 - 7 NOVEMBER 13 - 16 DECEMBER 7 - 10 Check the calendar at NYSAR Summer AE NYSAR Fall Business NAR Annual Triple Play REALTOR® nysar.com for classes, Conference Meetings Conference & Expo Convention & webinars and more. Trade Expo *Subject to change. 1
LEGAL HOTLINE One number-Two FREE NYSAR Member Benefits Our Legal Hotline and Techline now share the same number. & TECHLINE Call 518-436-9727 and press 1 for the Legal Hotline or 2 for the Techline Whether you’re a salesperson or a broker, new to the business or a seasoned professional, our attorneys are on hand to provide one-on-one answers to your real estate-related legal questions. Answering questions on topics ranging from contracts and license law to commissions and agency disclosure, calling the Legal Hotline will not only save you both time and money, but will give you the peace of mind you need to confidently conduct your business. Save money! A call to a real estate attorney costs anywhere from $200 to $750 an hour depending on what part of New York State you live in. Live attorneys, 35 hours per week! You’ve told us how important the Legal Hotline is to you so we’ve made sure to keep this valuable service available to you seven hours per day, five days a week! Leave a message! If our attorneys are on another line during normal hotline hours, leave a voicemail and an attorney will return your call by the end of the next business day, or sooner. Statewide Forms Library NYSAR is now supplying statewide forms, including purchase contracts, to its members. NYSAR is providing the forms directly through zipForms. Some local boards/MLSs have also adopted NYSAR’s statewide forms. Current forms include Exclusive Right to Sell, Exclusive Right to Represent and various other disclosure forms. Get Help From The NYSAR Techline The NYSAR Techline can help with all of your CALL THE NYSAR computer, smartphone, printer, tablet and LEGAL HOTLINE & TECHLINE other technological issues. Don’t stress! 518.436.9727 (518.43NYSAR) Call the Techline and get back to business. Monday-Friday, 9 a.m. – 4 p.m. All callers who complete the post-call survey will be entered into a drawing at the end of each month for a $100 NOTE: NYSAR’s Legal Hotline does not provide a client-lawyer relationship. Amazon gift card! For confidential legal advice, consult an attorney. Terms and conditions for use of the Legal Hotline are available in the Legal section of NYSAR.com. 22
REALTOR® While you’re working hard for your clients, we’re boldly championing your interests at the state Capitol in an effort to secure and protect ADVOCACY REALTORS® and the real estate industry as a whole. The REALTOR® Political Action Committee* (RPAC) plays a key role in safeguarding REALTOR® interests by VISIT educating and supporting lawmakers who defend the real estate industry. As a result of our advocacy efforts NYSAR.COM and your RPAC investments, NYSAR was able to enact and defeat the following proposals: ENACTED LAWS DEFEATED PROPOSALS • Affordable Housing Assistance/20% • Residential fire sprinkler mandate “flip tax” on residential sales in NYC • Prohibition on broker-prepared contracts GET INVOLVED TO MAKE • 2-percent Property Tax Cap • Statewide closing cost increases YOUR VOICE HEARD. • STAR Property Tax Relief • 20-percent down payment mandate • Prohibition on private transfer fees • Mandatory prevailing wages on all RPAC • Federal homebuyer tax credits construction projects receiving state Your future in real estate • Mortgage Forgiveness Debt Relief Act financial assistance is directly tied to the power • Continuing education expansion of RPAC.* Invest today! HOW DO I CONTRIBUTE TO RPAC? Calls for Action Text NYREALTOR to 30644 to Visit the Government Affairs section at NYSAR.com and contribute with the click of a button. receive REALTOR® Party mobile You can also participate in fundraisers held at the NYSAR Business Meetings, Triple Play or alerts to quickly and easily contact at your local board/association. your legislators and communicate the REALTOR® point of view. WHAT’S NEXT? In 2020, NYSAR’s legislative priorities will include opposition to the expansion of rent regulations, “good-cause” eviction, and a “flip tax” proposal for all New York City residential Broker Involvement Program Brokers, enroll in this free program real estate. NYSAR will also be supporting the preservation of the independent contractor to alert your agents to key REALTOR® status for real estate licensees and increased transparency in the purchase of co-operative issues and encourage their response to apartments. Calls for Action. Visit realtorparty.com. Lobby Day Attend REALTOR® Lobby Day on Tuesday, May 5 to meet face-to-face with your state lawmakers at the state Capitol and make your voice heard! Contact Government Affairs: 518.463.0300 x217 | govt@nysar.com *Contributions are not deductible for income tax purposes. Contributions to RPAC are voluntary and are used for political purposes. You may contribute more or less than the suggested amount. You may refuse to contribute without reprisal and the National Association of REALTORS®, the New York State Association of REALTORS® or any of its local boards or associations will not favor or disfavor any member because of the amount contributed. 70% of each contribution is used by your state PAC to support state and local political candidates. Until your NYSAR PAC reaches its PAC goal, 30% is sent to National RPAC to support federal candidates and is charged against your limits under 2 U.S.C. 441a; after NYSAR PAC reaches its RPAC goal, it may elect to retain your entire contribution for use in supporting state and local candidates. 3
MARKET DATA & Reinforce your position as a local market expert with NYSAR’s free, credible market data reports powered by ShowingTime. INFORMATION Share the straightforward reports and the “The Skinny” video to RESOURCES give clients an easy-to-understand overview of today’s market. The latest real estate news Legal resources Educational opportunities Member Perk Videos discounts & and offers webinars Legislative updates Market data How do I manage my New York State REALTOR® magazine delivers the industry and association news you’ve come to expect six times each year. Each issue email subscriptions? is organized into key sections to improve your reading experience. Your 1. Visit mailpref.nysar.com. Inbox features industry news. Your Business is where you’ll find legal and 2. Type in your email address. education topics. Your Voice covers the latest about NYSAR’s advocacy efforts on your behalf. Delivered by mail and email. 3. Review and select the emails you want to receive. E-News Weekly, emailed to you every Saturday morning, highlights 4. Click “Update Subscriptions.” top REALTOR® news, legislative and legal updates, upcoming events, Member Perks and RPAC. To ensure you receive NYSAR emails, please whitelist nyrealtors@nysar.org. From Legal Update to the Broker Report and event emails, we cover the association and industry issues you need to know. Contact Communications 518.463.0300 x208 | communications@nysar.com 4
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EDUCATION EDUCATION FAQS Take the courses that will earn you more clients What are my education requirements? Education requirements for license renewal have changed. and more money as you elevate your online and Real estate licensees whose licenses expire before July 1, offline reputation! 2021, must complete at least 22.5 hours of continuing education (CE) credit including three hours of fair housing and one hour of agency (two hours if you’re in your first license cycle). REALTORS® must also take an approved Code of Ethics course every three years. All licensees whose licenses expire on or after July 1, 2021, are required to take 22.5 hours of CE credit including: three hours of fair housing, one hour of agency (two hours in the first license cycle), two and a half hours of ethical business practices and one hour of recent legal matters (may include statutes, laws, regulations, rules, codes, DOS opinions and decisions, and court decisions). Brokers who were previously exempt from earning CE credit will no longer be exempt when they renew their licenses after July 1, 2021. Graduate to a new level of success with the GRI NOTE: Licensees may not renew early to avoid the education Become a graduate of the REALTOR® obligation. Institute by completing the eight, one- Is there any financial assistance available? day required GRI classes and 30 hours Visit the New York State Real Estate Education Foundation of elective credit* within five years. Take at NYSREEF.org to learn how to apply for a designation or courses at your local board or travel around certification course scholarship. It’s free! the state to make the most of in-class networking opportunities. Did you know? You’ll earn CE credit and dual designation credit, satisfy license When you take any NAR designation/certification course, you renewal requirements, plus take your career to new heights! can apply it toward your GRI designation or in some cases substitute it for a GRI course. *Electives include any local board of REALTORS® classroom CE or other NAR-family designation/certification courses. Need assistance? Take advantage of our staff to assist you, our instructors to GRI – designed to: support you, and the Education Foundation (NYSREEF.org) to help fund your quest for excellence. • Increase your productivity. • Reduce your risk. Where are classes held? • Maximize your resources. Classes are held at 22 locations around the state and some • Tackle your toughest challenges. are also available online. Who teaches our courses? Already a GRI? NYSAR faculty members have many years of expertise Get a refresher and updates - take any of the latest GRI instructing adults like you. They share tools and techniques courses for $50 each and earn CE credit (not applicable you can apply immediately to grow your business. And they for courses taken in the same license cycle). care about your success - they’re available to answer your questions, long after your class is over. Are you an experienced REALTOR®? How do I register? Call NYSAR at 518-463-0300 x 219 to discuss testing out Login to nysarportal.ramcoams.net. and transfer credit options. 7
GRI COURSE SCHEDULE 7.5 hours CE credit each and $125 each for members GRI-1 Ethics GRI-4 Legal Capitalize on what sets REALTORS® apart from real estate licensees. Operate your business without the risk of claims, fines and lawsuits. Satisfies NAR’s mandatory ethics training requirement and NY Satisfies one hour of training on recent legal matters for license renewal. State’s new requirement for 2.5 hours of ethical business practices Gain a complete understanding of: for license renewal. Demonstrates how to: • Advertising that is legal and ethical. • Maximize your REALTOR® benefits. • Contracts, forms, deposits, disclosures and record retention rules. • Put the Code of Ethics to work for you. • Risk management strategies. • Practice ethical decision-making skills. • Title insurance and settlement procedures. • Enhance your professionalism and your career. April 22 Syracuse January 22 Albany April 23 Rochester January 22 Woodbury April 23 West Babylon March 23 Buffalo November 2 Staten Island October 22 White Plains GRI-5 Buyers Demonstrate your value to buyers, from first contact to closing. GRI-2 Business Learn strategies to: Run your business like a professional practice and gain market share. • Secure more buyer clients. Provides the building blocks to: • Guide buyers through the process, from pre-qualifying to closing. • Assure fair housing compliance. • Create an effective business plan. • Keep you, your clients and customers safe. • Build support structures using assistants and teams. • Prospect successfully and tap into niche markets. February 25 Buffalo • Develop policies to avoid risk. March 11 West Babylon February 19 West Babylon March 19 Corning March 4 Canton April 28 Watertown March 25 Syracuse July 28 Rochester October 8 Hudson November 4 Syracuse GRI-6 Sellers Represent seller clients in a way that keeps them coming back. GRI-3 Agency Satisfies NYS agency training requirement (2 hours). Provide effective, legal and ethical client representation. Get a competitive advantage with strategies to: Includes two hours of agency training for license renewal. • Secure more listings. Offers in-depth coverage of: • Get clients to price to sell. • All forms of agency representation and potential issues. • Enhance your marketing techniques. • Proper agency disclosure. • Avoid fair housing violations and safety concerns. • How to avoid risks of misrepresentation, vicarious liability and breach of fiduciary duties. March 6 Watertown April 14 Woodbury February 20 Albany June 4 Rochester February 25 Utica June 16 Staten Island September 15 Woodbury September 16 Buffalo September 24 Canton October 14 Albany 8
GRI-7 Property GRI-8 Technology Explore all the factors impacting value and close more deals! Explore the latest technologies to connect with, Discover the myriad elements that affect property value including: communicate with and service clients. Learn strategies to: • Types of housing. • Appraisals and inspections. • Maximize exposure. • Neighborhoods and amenities. • Reduce risk. • Energy efficiency and environmental issues. • Leverage the advantages of evolving technologies to • Lender requirements, and much more! excel in today’s real estate market. April 14 Utica March 5 Hudson May 27 Buffalo September 17 Albany September 23 Woodbury November 3 West Babylon November 5 Corning SPECIALTY DESIGNATIONS Earn specialty designations and certifications to stand out from the crowd! Active REALTORS® who have earned other NAR-family designations/certifications may retake previously completed designation/certification courses for $50 each, provided their dues are current. Accredited Buyer Representative Designation Pass ABR and one elective course (AHWD, e-PRO® certification, Green designation, MRP, Pricing Strategies, Real Estate Investing, RSPS course, Short Sales & Foreclosures, SRES, SRS course or GRI designation), plus document five closed transactions as a buyer representative. Must maintain Real Estate Buyer Agent Council (REBAC) membership ($110/year after first year). ABR Required Course Real Estate Investing AHWD Required Course (GRI/SRS elective or may substitute (ABR/SRS elective) (ABR/CIPS/GRI/SRS elective) for GRI-5 Buyers) 7.5 hours CE - $150 for members 6.5 hours CE 15 hours CE - $295 for members Learn to serve real estate investors, from $125 for members Become a proficient and profitable buyer’s goal setting, planning, evaluating and Learn to serve your diverse market with representative, serving with quality, fidelity acquiring properties to managing them. Fair housing and ethics in mind. and confidence. Satisfies NYS agency training requirement (two hours) for license April 20 Staten Island October 27 Watertown renewal. May 28-29 Watertown October 22-23 Woodbury At Home with Diversity Certification Gain the expertise to serve the multicultural market. Pass the AHWD course and submit the application with a one-time $75 fee. 9
E-PRO® Certification Certified International Property Specialist Designation Learn the latest in real estate marketing Military Relocation Professional Effectively serve clients from around the including social media and mobile applications. Certification world in your local market. Complete e-PRO® course and submit Complete MRP course, view two free one-hour View complete designation requirements at application with one-time fee of $149. webinars and submit application with $195 nar.realtor/global. Submit $75 application one-time fee. fee and maintain annual CIPS Network dues e-PRO® Required Course ($220 annually). AHWD may be substituted (ABR/CIPS/GRI/SRS elective) for one regional course. 12 hours CE - $295 for members MRP Required Course Discover how to connect with consumers, (ABR/GRI/SRS elective) CIPS Courses: 7.5 hours CE credit per course - $150 for members per course market property online and keep client 6.5 hours CE - $125 for members Register for all five courses at once and save data protected throughout the real estate Help current and former military service $100. Call 518-463-0300 x 219 for discount. transaction. members find housing solutions that best suit June 2-3 Syracuse their needs and make the best use of their available benefits. Global Real Estate: Local Markets September 10 East Elmhurst (CIPS requirement/GRI elective) Connect with immigrant buyers and foreign investors in your market. March 4 White Plains Green – The sustainable property October 14 Woodbury designation November 5 Staten Island Complete the two Green required courses and submit application. Then maintain Pricing Strategy Advisor Certification Global Real Estate: Green Resource Council dues ($98.50/year). Complete PSA course, two free webinars and Transaction Tools 7.5 hours CE per course - $150 for submit application with $179 one-time fee. (CIPS requirement/GRI elective) members per course Get the tools to serve foreign-born buyers, PSA Required Course in terms they’ll understand. (ABR/GRI/SRS elective or may substitute for Green Day 1 – The Resource- GRI-7 Property) April 3 White Plains 6 hours CE - $150 members Efficient Home: Remodels, Retrofits, October 15 Woodbury Renovations & New Home Enhance your skills providing clients with November 6 Staten Island Construction property pricing guidance, creating CMAs, (Required Course/GRI elective) working with appraisers and educating clients on potential misconceptions about CIPS Regional Courses May 18 Staten Island home values. Learn to research, analyze and apply market information, build relationships and facilitate February 20 Goshen transactions with clients from these areas. April 7 Canton The Americas & International Real Estate Green Day 2 – Representing Buyers April 24 Corning May 6 White Plains and Sellers of Resource-Efficient May 20 West Babylon Homes (Required Course/GRI elective) October 14 Syracuse Europe & International Real Estate July 15 White Plains May 19 Staten Island Asia/Pacific & International Real Estate August 6 White Plains Login to nysarportal.ramcoams.net to register for classes and more. 10
Seller Representative Specialist Seniors Real Estate Specialist Designation Short Sales & Foreclosure Resource Designation Certification Gain the expertise to guide 50 or better Gain the knowledge and skills to effectively homebuyers and sellers through major Get the skills to qualify sellers for short sales, represent sellers. financial and lifestyle transitions. negotiate with lenders, tap into buyer demand, Complete the SRS course and one elective Pass the SRES course and maintain SRES safeguard your commission and limit risk for course (ABR, e-PRO®, Home Sweet Home, Council membership ($99/year after first you and your buyers. MRP, PSA, Real Estate Investing, SFR, SRES, year). Complete SFR course, three free one-hour or GRI designation), show documentation webinars and submit certification application of seller representation in three closed with $175 one-time fee. transactions and submit application. Then SRES Required Course maintain SRS membership ($99/year after (ABR/GRI/SRS elective) first year). 12 hours CE - $295 for members SFR Course: What Real Estate Specialize in the 50+ market by studying Professionals Need to Know SRS Required Course current lifestyle and housing trends, how life (ABR/GRI/SRS elective) (ABR/GRI elective or may substitute stages impact real estate choices and how to 6.5 hours CE - $125 for members for GRI-6 Sellers) develop a network of resources for clients. Maneuver the complexities of short sales and help buyers pursue short sale and foreclosure 15 hours CE - $295 for members. Satisfies May 4-5 Hudson opportunities. NYS agency training requirement (two August 4-5 West Babylon hours) for license renewal. March 25 Canton October 27-28 Rochester Elevate your standards and enhance your June 18 Riverhead ability to professionally and ethically represent sellers. November 19 Rochester June 9-10 East Elmhurst Professional Standards Training Code of Ethics & Professional Standards Hearing Procedures Course Appraiser Career Development NYS Requirement: Real estate appraisers must 6 hours CE - $125 for members complete 28 hours of continuing education (CE) Satisfies NAR’s ethics training requirement. credit each license cycle. Gain a thorough understanding of ethics and Resort & Second Home Property arbitration hearings, enforcement procedures "Find an Appraiser" search tool Free benefit: on NYRealEstateAppraisers.com. Specialist Certification and disciplinary guidelines including the Specialize in buying, selling or managing latest changes in dispute resolution. You’ll Appraisal Conference also explore the mandatory Ombudsman Verona, NY – Includes 7-hour USPAP investment, development, retirement or program and Citation options. Update course (required every two years) second homes. and other appraiser/real estate CE. Complete course, three free one-hour March 26 Utica webinars and submit application with $195 March 27 Lake Placid Triple Play Convention & Trade Expo one-time fee. Atlantic City, NJ – Provides the 7-hour March 30 Batavia Resort & Second Home Property USPAP Update course and extensive CE Specialist Required Course March 31 Binghamton and networking opportunities. (ABR elective/GRI elective) 7.5 hours CE - $150 for members VISIT NYSAR Business Meetings NYSAR.COM Learn skills to work with resort, second home, Online appraisal CE programs or investment clients while you build your business. October 26 Riverhead 11
Don’t leave money on the table! The New York State Real Estate Apply for a scholarship and Education Foundation has awarded 1,300 scholarships, get added support in advancing totaling $345,000 since 2004. your career – it’s free! Scholarships are available for full-time, active REALTORS® with primary membership in New York State who wish to work toward a REALTOR® designation or certification. Applicants must have been licensed for at least one full year to be eligible and may only apply once a year. The application process is simple with a one-page application, a letter of intent from the applicant and two letters of recommendation. Applications are due by July 31 for October awards and December 31 for February awards. Go to NYSREEF.org for complete details and to apply. FOUNDATIONS Learn more about and support NYSAR’s charitable foundations. Are you a successful REALTOR®? Then pay it forward Encourage your first-time homebuyers to apply for a $2,000 – make your donation today and help raise the level of grant to help defray their closing costs. The grant application professionalism in our industry. and guidelines are available at NYSARHousingFoundation.com. Visit NYSREEF.org for more information and to donate. Show your commitment to helping New Yorkers achieve the Contact Education: 518.463.0300 x212 | ccraig@nysar.com American Dream by making a tax-deductible contribution to support the first-time homebuyer grant program today. Contact Governance: 518.463.0300 x203 | housingfdn@nysar.com 12
Meet the CEO and Staff Directors GET IN TOUCH P 518.463.0300 F 518.462.5474 130 Washington Avenue Albany, New York E info@nysar.com 12210-2220 Chief Executive Officer Director of Governance Vice President of Finance and Chief of Staff Duncan R. MacKenzie, RCE Ali Mann, RCE Libby Rentz x200 | dmackenzie@nysar.com x203 | amann@nysar.com x210 | lrentz@nysar.com Vice President of Board Director of Education Director of Government Affairs and Member Services Priscilla Toth Michael Kelly Patrick Reilly, RCE x218 | ptoth@nysar.com x215 | mkelly@nysar.com x205 | preilly@nysar.com Director of Legal Services & General Counsel Director of Communications Director of Information Technology S. Anthony Gatto, Esq. Scott Morlock Sean Dowling NYSAR Legal Hotline x208 | smorlock@nysar.com x234 | sdowling@nysar.com 518.436.9727 13
PRESORTED STD U.S. Postage PAID WATERBURY, CT PERMIT NO. 186 130 Washington Avenue Albany, NY 12210 Look inside for your exclusive NYSAR member benefits and the new 2020 course schedule! P LEA S E NOT E : Your 9-digit NRDS ID number, printed above your name on the mailing label, is the key to unlocking your NYSAR benefits. Please keep this number in a place you can find and reference in the future. Connect with us!
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