Description
CHAPTER 9 (Part 1 & 2) – REAL ESTATE LENDERS1. What does FICO stand for? What is a FICO score? What is the range of FICO scores?2. Who are the large institutional Lenders? Who are the noninstitutional lenders? What is the difference between the two? What types of loans does each lender specialize in?3. Compare & contrast the three types of government-backed loans. Name a few advantages and disadvantages of each program.4. Where does the CAL-VET program get the money needed in order to lend out?5. What is the secondary mortgage market? Who or what are Fannie Mae, Ginnie Mae and Freddie Mac? What is a conforming loan? What is a portfolio loan?
Unformatted Attachment Preview
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
WDO
H
SURGXF
H
U
W
R
Q
GR
HRQO
V
X
O
D
Q
3HUVR
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
WDO
H
SURGXF
H
U
W
R
Q
GR
HRQO
V
X
O
D
Q
3HUVR
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
O
WD
H
SURGXF
H
U
W
R
Q
GR
VHRQO
X
O
D
Q
R
3HUV
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
O
WD
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
WDO
H
SURGXF
H
U
W
R
Q
GR
HRQO
V
X
O
D
Q
3HUVR
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
WDO
H
SURGXF
H
U
W
R
Q
GR
HRQO
V
X
O
D
Q
3HUVR
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
O
WD
H
SURGXF
H
U
W
R
Q
GR
VHRQO
X
O
D
Q
R
3HUV
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
O
WD
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
WDO
H
SURGXF
H
U
W
R
Q
GR
HRQO
V
X
O
D
Q
3HUVR
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
WDO
H
SURGXF
H
U
W
R
Q
GR
HRQO
V
X
O
D
Q
3HUVR
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
O
WD
H
SURGXF
H
U
W
R
Q
GR
VHRQO
X
O
D
Q
R
3HUV
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
O
WD
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
WDO
H
SURGXF
H
U
W
R
Q
GR
HRQO
V
X
O
D
Q
3HUVR
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
WDO
H
SURGXF
H
U
W
R
Q
GR
HRQO
V
X
O
D
Q
3HUVR
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
O
WD
H
SURGXF
H
U
W
R
Q
GR
VHRQO
X
O
D
Q
R
3HUV
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
O
WD
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
WDO
H
SURGXF
H
U
W
R
Q
GR
HRQO
V
X
O
D
Q
3HUVR
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
WDO
H
SURGXF
H
U
W
R
Q
GR
HRQO
V
X
O
D
Q
3HUVR
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
O
WD
H
SURGXF
H
U
W
R
Q
GR
VHRQO
X
O
D
Q
R
3HUV
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
O
WD
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
WDO
H
SURGXF
H
U
W
R
Q
GR
HRQO
V
X
O
D
Q
3HUVR
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
WDO
H
SURGXF
H
U
W
R
Q
GR
HRQO
V
X
O
D
Q
3HUVR
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
O
WD
H
SURGXF
H
U
W
R
Q
GR
VHRQO
X
O
D
Q
R
3HUV
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
O
WD
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
WDO
H
SURGXF
H
U
W
R
Q
GR
HRQO
V
X
O
D
Q
3HUVR
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
WDO
H
SURGXF
H
U
W
R
Q
GR
HRQO
V
X
O
D
Q
3HUVR
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
O
WD
H
SURGXF
H
U
W
R
Q
GR
VHRQO
X
O
D
Q
R
3HUV
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
O
WD
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
WDO
H
SURGXF
H
U
W
R
Q
GR
HRQO
V
X
O
D
Q
3HUVR
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
WDO
H
SURGXF
H
U
W
R
Q
GR
HRQO
V
X
O
D
Q
3HUVR
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
O
WD
H
SURGXF
H
U
W
R
Q
GR
VHRQO
X
O
D
Q
R
3HUV
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
O
WD
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
WDO
H
SURGXF
H
U
W
R
Q
GR
HRQO
V
X
O
D
Q
3HUVR
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
WDO
H
SURGXF
H
U
W
R
Q
GR
HRQO
V
X
O
D
Q
3HUVR
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
O
WD
H
SURGXF
H
U
W
R
Q
GR
VHRQO
X
O
D
Q
R
3HUV
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
O
WD
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
WDO
H
SURGXF
H
U
W
R
Q
GR
HRQO
V
X
O
D
Q
3HUVR
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
WDO
H
SURGXF
H
U
W
R
Q
GR
HRQO
V
X
O
D
Q
3HUVR
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
O
WD
H
SURGXF
H
U
W
R
Q
GR
VHRQO
X
O
D
Q
R
3HUV
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
O
WD
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
WDO
H
SURGXF
H
U
W
R
Q
GR
HRQO
V
X
O
D
Q
3HUVR
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
WDO
H
SURGXF
H
U
W
R
Q
GR
HRQO
V
X
O
D
Q
3HUVR
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
O
WD
H
SURGXF
H
U
W
R
Q
GR
VHRQO
X
O
D
Q
R
3HUV
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
O
WD
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
WDO
H
SURGXF
H
U
W
R
Q
GR
HRQO
V
X
O
D
Q
3HUVR
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
WDO
H
SURGXF
H
U
W
R
Q
GR
HRQO
V
X
O
D
Q
3HUVR
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
O
WD
H
SURGXF
H
U
W
R
Q
GR
VHRQO
X
O
D
Q
R
3HUV
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
O
WD
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
WDO
H
SURGXF
H
U
W
R
Q
GR
HRQO
V
X
O
D
Q
3HUVR
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
WDO
H
SURGXF
H
U
W
R
Q
GR
HRQO
V
X
O
D
Q
3HUVR
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
O
WD
H
SURGXF
H
U
W
R
Q
GR
VHRQO
X
O
D
Q
R
3HUV
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
O
WD
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
WDO
H
SURGXF
H
U
W
R
Q
GR
HRQO
V
X
O
D
Q
3HUVR
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
WDO
H
SURGXF
H
U
W
R
Q
GR
HRQO
V
X
O
D
Q
3HUVR
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
O
WD
H
SURGXF
H
U
W
R
Q
GR
VHRQO
X
O
D
Q
R
3HUV
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
O
WD
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
WDO
H
SURGXF
H
U
W
R
Q
GR
HRQO
V
X
O
D
Q
3HUVR
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
WDO
H
SURGXF
H
U
W
R
Q
GR
HRQO
V
X
O
D
Q
3HUVR
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
O
WD
H
SURGXF
H
U
W
R
Q
GR
VHRQO
X
O
D
Q
R
3HUV
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
O
WD
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
WDO
H
SURGXF
H
U
W
R
Q
GR
HRQO
V
X
O
D
Q
3HUVR
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
WDO
H
SURGXF
H
U
W
R
Q
GR
HRQO
V
X
O
D
Q
3HUVR
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
O
WD
H
SURGXF
H
U
W
R
Q
GR
VHRQO
X
O
D
Q
R
3HUV
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
O
WD
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
WDO
H
SURGXF
H
U
W
R
Q
GR
HRQO
V
X
O
D
Q
3HUVR
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
WDO
H
SURGXF
H
U
W
R
Q
GR
HRQO
V
X
O
D
Q
3HUVR
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
O
WD
H
SURGXF
H
U
W
R
Q
GR
VHRQO
X
O
D
Q
R
3HUV
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
O
WD
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
WDO
H
SURGXF
H
U
W
R
Q
GR
HRQO
V
X
O
D
Q
3HUVR
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
WDO
H
SURGXF
H
U
W
R
Q
GR
HRQO
V
X
O
D
Q
3HUVR
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
O
WD
H
SURGXF
H
U
W
R
Q
GR
VHRQO
X
O
D
Q
R
3HUV
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
O
WD
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
WDO
H
SURGXF
H
U
W
R
Q
GR
HRQO
V
X
O
D
Q
3HUVR
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
WDO
H
SURGXF
H
U
W
R
Q
GR
HRQO
V
X
O
D
Q
3HUVR
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
O
WD
H
SURGXF
H
U
W
R
Q
GR
VHRQO
X
O
D
Q
R
3HUV
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
O
WD
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
WDO
H
SURGXF
H
U
W
R
Q
GR
HRQO
V
X
O
D
Q
3HUVR
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
WDO
H
SURGXF
H
U
W
R
Q
GR
HRQO
V
X
O
D
Q
3HUVR
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
O
WD
H
SURGXF
H
U
W
R
Q
GR
VHRQO
X
O
D
Q
R
3HUV
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
O
WD
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
WDO
H
SURGXF
H
U
W
R
Q
GR
HRQO
V
X
O
D
Q
3HUVR
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
WDO
H
SURGXF
H
U
W
R
Q
GR
HRQO
V
X
O
D
Q
3HUVR
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
O
WD
H
SURGXF
H
U
W
R
Q
GR
VHRQO
X
O
D
Q
R
3HUV
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
O
WD
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
WDO
H
SURGXF
H
U
W
R
Q
GR
HRQO
V
X
O
D
Q
3HUVR
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
WDO
H
SURGXF
H
U
W
R
Q
GR
HRQO
V
X
O
D
Q
3HUVR
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
O
WD
H
SURGXF
H
U
W
R
Q
GR
VHRQO
X
O
D
Q
R
3HUV
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
O
WD
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
WDO
H
SURGXF
H
U
W
R
Q
GR
HRQO
V
X
O
D
Q
3HUVR
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
WDO
H
SURGXF
H
U
W
R
Q
GR
HRQO
V
X
O
D
Q
3HUVR
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
O
WD
H
SURGXF
H
U
W
R
Q
GR
VHRQO
X
O
D
Q
R
3HUV
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
O
WD
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
WDO
H
SURGXF
H
U
W
R
Q
GR
HRQO
V
X
O
D
Q
3HUVR
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
WDO
H
SURGXF
H
U
W
R
Q
GR
HRQO
V
X
O
D
Q
3HUVR
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
O
WD
H
SURGXF
H
U
W
R
Q
GR
VHRQO
X
O
D
Q
R
3HUV
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
O
WD
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
WDO
H
SURGXF
H
U
W
R
Q
GR
HRQO
V
X
O
D
Q
3HUVR
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
WDO
H
SURGXF
H
U
W
R
Q
GR
HRQO
V
X
O
D
Q
3HUVR
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
O
WD
H
SURGXF
H
U
W
R
Q
GR
VHRQO
X
O
D
Q
R
3HUV
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
O
WD
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
WDO
H
SURGXF
H
U
W
R
Q
GR
HRQO
V
X
O
D
Q
3HUVR
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
WDO
H
SURGXF
H
U
W
R
Q
GR
HRQO
V
X
O
D
Q
3HUVR
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
O
WD
H
SURGXF
H
U
W
R
Q
GR
VHRQO
X
O
D
Q
R
3HUV
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
O
WD
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
WDO
H
SURGXF
H
U
W
R
Q
GR
HRQO
V
X
O
D
Q
3HUVR
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
WDO
H
SURGXF
H
U
W
R
Q
GR
HRQO
V
X
O
D
Q
3HUVR
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
O
WD
H
SURGXF
H
U
W
R
Q
GR
VHRQO
X
O
D
Q
R
3HUV
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
O
WD
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
WDO
H
SURGXF
H
U
W
R
Q
GR
HRQO
V
X
O
D
Q
3HUVR
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
WDO
H
SURGXF
H
U
W
R
Q
GR
HRQO
V
X
O
D
Q
3HUVR
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
O
WD
H
SURGXF
H
U
W
R
Q
GR
VHRQO
X
O
D
Q
R
3HUV
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
O
WD
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
WDO
H
SURGXF
H
U
W
R
Q
GR
HRQO
V
X
O
D
Q
3HUVR
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
WDO
H
SURGXF
H
U
W
R
Q
GR
HRQO
V
X
O
D
Q
3HUVR
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
O
WD
H
SURGXF
H
U
W
R
Q
GR
VHRQO
X
O
D
Q
R
3HUV
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
O
WD
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
WDO
H
SURGXF
H
U
W
R
Q
GR
HRQO
V
X
O
D
Q
3HUVR
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
WDO
H
SURGXF
H
U
W
R
Q
GR
HRQO
V
X
O
D
Q
3HUVR
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
O
WD
H
SURGXF
H
U
W
R
Q
GR
VHRQO
X
O
D
Q
R
3HUV
KRRFRP
D
PLO#
WDOLDBH
URGXFH
S
H
U
W
R
RQ
RQOG
H
V
X
O
D
3HUVRQ
KRRFRP
LO#D
P
H
B
D
L
O
WD
Purchase answer to see full
attachment
