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Low Rates Good Credit - Home Refinancing For Low Income Families


The reality is that a large percentage of homes purchased in the last three years are actually being LEASED with an option on potential profits. Note to self - enrol on typing course, or stop thinking about the posts so much. Purpose of Home Loan - select - Purchase a home Refinance my home Use my home equity QUICK LINKS Select a link Mortgage calculators Customer testimonials Your credit report Rate Watch Credit Card offer Refinance New Customers Current Customers Call Now 1-800-556-9568 Purchase Home Buying Made Simple Call Now 1-866-670-5274 Home Equity New Customers Current Customers Call Now 1-800-556-9568 Less Than Perfect Credit Need cash?

This was a woman and her family that were renting a home fore 4 years and paying $2800. Preferred dividends 2,000 2,000 FFO available to common shareholders $15,457 $13,885 Weighted Average Shares Outstanding. Lauderdale based, twenty-something year old professional.

He remains more consistent and devoted to the sport than I, but I have had to reluctantly admit that the physical and mental benefits are many. Welcome to Prime Lend America's free on-line Mortgage Seminar Here you can access our vast library of useful tips and hints that will guide you through your home purchase or refinance transaction. Denver, if that narrows down the year for anyone. Both the government and private charities treat these people as a separate lower class, not worthy of $2000 cash grants, nor a nice trailer nor a home in rural areas.

Download Table GEOGRAPHIC DISTRIBUTION- OF THE MORTGAGE PROPERTIES IN GROUP 6 AGGREGATE SCHEDULED NUMBER OF PRINCIPAL BALANCE % OF MORTGAGE OUTSTANDING AS OF MORTGAGE GEOGRAPHIC DISTRIBUTION LOANS CUT-OFF DATE LOANS California 312 $ 148,551,853 54. Accountemps is an Equal Opportunity Employer Apply for this job now or contact our branch office for additional information. Remaining Members" shall have the meaning ascribed to it in Section 9. DonAsk a question RESOURCES Get our free CD and Investing newsletter Roth IRA rules Is a Roth IRA the right account for you? Service network buys into reward scheme10.

Despite experimentation, loan production hasn't really changed in 25 years. For example, if a landlord refused to rent to you because you are female, an immigrant, Jewish, gay, African- American, a bartender, only 22 years old, divorced, have children, etc. Hillary were to be nominated, then Pataki would get to pick her successor which I would think would be another point in her favor. What credit cards can i receive after bankruptcy. Benefits The benefit of this loan is the lower rate for the first 7 years, coupled with the 30 year amortization, which keeps the payment low for seven years.

This enables our expert advisers to find the most appropriate option while helping you avoid the potential pitfalls of a complex personal finance transaction. But the word hasn't got through to all loan officers and brokers, many of whom have been in the business for just five or six years - and during most of that time, piggybacks clearly were the better option. Weeks Ago \nReport spam\nReport as unavailable\n\n- Equipment Leasing - We Love Start-ups Category. Low Rates Good Credit :: home refinancing for low income families

It has to be said, there are various issues to remember whilst thinking about florida vacant lot refinance. But the chances for reaching such an agreement go down the longer a homeowner delays responding to delinquency notices, he said. About $20K in high interest rate loan minimum payments, another $20K or so in falling property values.

For example, debt to federally-owned Power Marketing Administrations in the US extended 50 years or more. JOHN KERRY FOR PRESIDENT INC on 03/31/04 Anders, Joan Not employed/retired, Zip code. For information on energy assistance or weatherization tips, families can visit the Keep Warm Illinois website at www. Another reader commenting on the Position Report raves, "This is great.

Link to original article Check the credit card fine print The next time you get a credit card offer from a bank, you must go through the fine print minutely before signing up. What does the commuter bus cost. Speech TopicsGood speach topics for public speaking. The overall success rate for this core region was 94 percent. Word of the founder To Ethiopian People, Ethiopian Government and any humanitarian, charitable, individuals and organizations after GodAllah you are the only one where we can ask for help please understand the problem I face and help me let my brain and heart rest in the rest of my life. You loan providers are strongly encouraged to consider the guidance as a minimum standard or benchmark for compliance with Washington's prohibited practices sections when soliciting, originating or making nontraditional mortgage products.

The last couple of days since getting back from holidays have been great. If you're a seasoned home- buying expert, and just want to choose the right mortgage for you, then you can. Kevin Hawkinson was nominated and selected as the new double handed fleet captain. In addition, mistakes are very costly and customer relationships risk a negative impact if the program is not managed successfully.

Microsurf - up-to-the-minute mortgage rates from hundreds of lenders in all 50 states. Popular Types of Mortgages Fixed Rates A conventional fixed-rate mortgage offers you a set rate and payments that do not change throughout the life or term, of the loan. Top PBGC Penalty Waivers How to start the process for requesting a penalty waiver. Note that EAD at 272% also is high, some 2 SDs above peer, but this is not unusual for a consumer lender.

In November, 1999, the Company issued a note for a total of $18,300 for a vehicle purchase, due from December 1999 through November 2003. It is anticipated that GMAC-CM which is the Master Servicer or an entity related thereto will acquire certain Subordinate Certificates. First World War broke out in a general climate of prosperity and not of crisis, i. Try a Second Mortgage "Fix and Flip" Refinancing Tips to Reduce Monthly Mortgage Payment Say Goodbye to Credit Cards with Debt Consolidation Understanding Your Credit Report Good Timing.

Prepayment Penalty A charge imposed by a mortgage lender on a borrower who wants to pay off part or all of a mortgage loan in advance of schedule. House prices went down, I moved, I lost money. LIBOR PRIME RATE MTA CMT T-BILL CODI COFI COSI CD What is a Margin? Certain persons maintain that making morgage online remittances twice a month can assist in paying off the advance faster.

Calculated daily and credited monthly Flexible Offsetccount $0+ Nil N/A Absolute Package Equityline $0 - $9,999. After the loan has been approved the lender would transfer the money into your account on the next day. If you concerned about the possibility of recessionary times and falling market values, the annuity trust has greater appeal. Often expressed as a percentage of the loan. PO Box 2440, Matthews NC 28106 Voice.

Go read this, courtesy of a tip from LC Gearhard. My bird pooped on the only pair of clean jeans that I had. They only say, "I'm so sorry, I can't help you. Lenders shall execute Form HUD 92300 Mortgagee Assurance of Completion to indicate that the escrow for the energy efficient improvements has been established. Provides information on Mortgage Refinance related articles state wise like Arizona, Oregon and others. Shoppers scooped up 12,000 BTU air conditioners and top-of-the-line wrought-iron patio furniture.

Once your application has been received you will be notified instantly. You can submit an application, or speak with us now. To the first question, understand that within a portfolio context, that the role of gold is to act as a hedge. That same member received a guaranteed payment of $80,000. Related Content Financing Your Automobile How Do I Find the Best Car Loan.

For those of us with yeast, the carbs and sugar only make things worse. National online leasing source for dealers with prime and near prime customers. Missy henry041696-ga rated this answer. Should one or more of these risks or uncertainties materialize, or should underlying assumptions prove incorrect, actual results may vary materially from those expected. Fuel cards for bad credit consumers. How Much Credit Card Debt Can You Afford?

That way you wont attract too much attention to yourself. FAQs for additional browser information. Tuesday it extended its acquisition offer for San Diego's Biosite Inc.

Borrowed money must eventually be repaid, whether you repay it over the life of the mortgage, home refinancing for low income families such as 20 or 30 years, or when you sell the condo and payoff mortgage balance in full. Business rates Company liquidation data painted a buoyant picture of business health. An Informational Guide for Employers Updated May 2002 MS Word 97 - 87K or PDF - 192K If you have questions about the parking cash-out law, please contact Jeff Weir at 916 445-0098 or by email at jweir@arb. Balance Transfers, n/a-Not Applicable Every day we update the latest information on Chase credit card deals and provide credit card applications for getting a bank credit from Chase online. GoldenGem Goldengem is a general purpose Neural Network.

We actually learn individual bits of information and then apply them in novel, flexible ways. They continued to bill me for the balance and six months later they finally "forgave my debt", notified IRS of this "forgiveness of debt" and also put it on my credit report. So instead of 200 a month, it is 175ish and I just put that amount on the card.

No one but you can decide whether to lock in a rate on your loan. You decide you'd rather invest it in a mutual fund at XYZ Mutual Fund Co. If Golden State wins, we'll all have to wait until Wednesday to sort everything out. As for Ford's commitment that current Visteon workers will remain Ford workers for life, the meaning of that is far from clear. Compare Quotes from Multiple Lenders No Cost - No Hassle - No Obligation How an 80 20 mortgage loan works. In addition, the price the homebuyer pays for points may also be tax-deductible, but this must be verified by a tax advisor.

This year, SBC companies hope to prune that number by encouraging both small-business with 35 or fewer lines and residential customers to stop their paper bill by registering for a MySBC eBill account. All I can think of is that someone is going to have to help me learn to chang ethe unusual bulbs in the lighting. Enhanced Refer A Friend ProgramOur enhanced referral program pays you $20 for every new customer who successfully applies for and takes out a loan at CashNetUSA - Click here to learn more. We found a realtor and got pre-approved while my husband was out interviewing for jobs, but I was curious if we could still move forward with offers on a house while waiting to hear back from jobs.

Be sure to analyze and remember those great sources related to new jersey mortgage calculators. The first 45 days of that period is called the Identification Period. What should you look for when choosing a credit card. Bad Credit Personal Loans Benefits View. Effective May 19, 2007 FannieMae is updating DO/DU to allow for unlimited collections to remain open vs.

Just as I don't think Mexicans would be all that happy if Gringos came en masse and lived in Mexico without, in many cases, even trying to assimilate, you can hardly expect Americans to be happy when the situation is reversed. Such reports shall be in form and substance sufficient to meet the reporting requirements imposed by Sections 6050H, 6050J and 6050P of the Code. Couple things you could do is redesign home refinancing for low income families established companies. Interest and other income primarily represent interest income from funds available for investment.

There are no setup fees, and no annual contracts. Home buyers can for more than change jobs because. Through the first half of the year, the share of interest-only mortgages as a percentage of all mortgage originations rose to 23% from 17% in the last six months of 2004, the vast majority of it in adjustable rate paper, according to the Mortgage Bankers Association. Registry Clean Seems to have fixed my speed problem. Sales Tax Asset Receivable Corp. Current Demand Loan Receivable 1.

Like I said, the bleeding is not heavy but it is there. Lot Loans, Land Loans Your Source for Lot Loans and Land Loans Interest-only option available Financing up to 90% LTV loan rates. We also guide you to loan providers who want your business and will to satisfy you to your needs, not their own.

By submitting your request you agree to be contacted in accordance with CGS Infotech Privacy Policy. Then I would worry that the afternoon with Alice Cooper woould be a farce and the part in the Corbin's movie would be cut and FORGET about the house trade - I would have to worry what was wrong with that house. Select Property Refinance Construction Other Purchase price. You can always pursue market share by pulling one of two levers.

CTRL-D Netscape or CTRL-T Opera to bookmark" Products Free Stuff Site Map Home mortgage basics Home Mortgage Home Equity Loans Mortgage Approval Mortgage Banks Line Of Credit Debt Consolidation Loans Mortgage Broker Mortgage Types Mortgage Loan Types Home Mortgage Interest FHA Loans Home Improvement Loans No Doc Home Loans No Down Payment Loans Jumbo Mortgage Reverse Home Mortgage Balloon Mortgage Variable Home Mortgage Second Mortgage Home mortgage info Home Mortgage Calculator Bad Credit Mortgage Online Mortgage Best Home Loans Refinance Home Mortgage Home Mortgage Lenders Online VA Home Loan Conforming Mortgage Loans Interest Only Home Mortgage Mobile Home Mortgage Mortgage Fraud Free Newsletter Stay updated, sign up for our free newsletter to receive useful tips Full Name Email Id Expert Guide for Choosing the Best Home Mortgage LenderChoosing from the many direct home mortgage lenders out there today can be a challenging, frustrating endeavor. REMIC Pool that represents a recovery of the REMIC Pool's basis in its assets. Division of Securities regulates offerings of securities including mutual funds franchise offerings broker-dealers and securities agents investment advisers and investment adviser representatives. At the time you are taking out a mortgage there are several factors to take into account in order to make certain that you obtain the best offer aligned to meet your unique needs and also for your circumstances. Are you stuck in a piggyback mortgage or other type of creative home financing that you want, or need, to refinance. We are responding to the second issue by allowing visitors to recommend a realtor and give them up to a five star rating and leaving comments and these recommendation are visible to the visitor.

Many max out their credit cards beyond what they can afford to pay back within the month, and so they develop an outstanding balance on their bill. Marker # 244RWF Lewandosky, Adele 60 Snipsic Lake Rd Ellington, CT 06029 2003-03-71808 7. Then stroll down the block for desert or coffee.

It also made me think of rental income and equity in a different light. Assuming the student is not earning, he can add his personal allowance of $5,035 to the rent allowance to make a total of $9,285 in rent before paying tax. Maureau Road Lease - Arden Realty LP and Digital Insight Corp.

Get the latest Home Equity Rates - GA Local Tips From The Underwriting Mortgage Pros. Provides information and resources for all types of elective surgery loans, cosmetic, plastic surgeries laon, health procedures fiancing, personal lloans onilne, home equity, debt consolidation, unsecured, bad credit, more. If Lender requests an assignment, Borrower shall, promptly and without further consideration, assign to Pledgeholder the portion of the Right specified in the Rights Exercise Notice.

Frank ChiouRequested RNC $100 30100 Ahern AveUnion City, CA 945871. To qualify, borrowers can earn up to their area's median income or if they earn more than the area median income can buy or refinance a home in an underserved market area. The central bank`s primary technique of retaining inflation in control is by hiking its standard lending rate. It provides access to Agents when the owner is away, thus assuring full exposure to prospective buyers. Our advice, except in extreme cases, would be to discuss the individual details with an independent broker with a view to establishing whether or not a deal can be struck at normal rates.

Parents who don't have satisfactory credit should home refinancing for low income families apply with a creditworthy co-borrower. Geek dinner with Joyent May 16, 2007. The chain also has an advantage on the supply-side. Credit cards for start up business. Second mortgage California companies, mortgage brokers, and lenders. JSoft Consulting Based on the award-winning design of Calendar+, Calendar+ 2000 adds the contact management features of 1st Contact and includes a daily, weekly and monthly view calendar.

Borrowers must have sufficient funds to make a downpayment of at least three percent of the purchase price. HOW BEN FRANKLIN WON THE AMERICAN REVOLUTION WHILE ENJOYING LIFE IN PARIS Allen Jamieson Ben Franklin spent the entire Revolution period in Paris, pleading, wheeling, and cajoling - mostly wheeling. If several payday loans have caused a negative balance in your checking account can this be included on a chapter seven. The 3 big underwriting mistakes that cause unnecessary loan delays 3.

How about the idea that teachers all get the same "credit" for their years of experience - none. Some Common Schemes Simple Embezzlement In the simplest situation, cash is received and the employee merely pockets it without making a record of the transaction. Back to topCan I borrow more later. Payments and additions to the reserve or fund are made in a systematic and consistent manner. Thanks to the reserve ratio banks can create the money needed for a loan out of nowhere most of the time, however deposits must always be paid back on demand.

While sub prime and high risk lenders give attention to bad credit applicants, they do not charge extreme fees or crazy interest rates. Many of the fees disclosed may overlap or be the same fees, such as an appraisal fee, origination fee, escrow fee or title insurance fees. If this situation applies, you are advised to contact the Inland Revenue Stamp Office for further guidance.

Also visiting boat yards to view boats on the hard I saw the blister damage of cored boats with blisters and water damage and I would estimate they are still being paid for and need extensive repairs. Hive can put me on the right path to creativity. Knoxville, Tennessee 1,375 posts, read 339,569 times Reputation. Surprise Gardener Takeover My Makeover That's Clever! Yes No Cash Allocated to Points Cash Allocated to Other Fees Cash Allocated to Down Payment All Other Closing Costs e.

This result has 0 votes Vote for this result Vote against this result Aspen Resort on Pelican Lake in Orr, Minnesota Vacations Aspen Resort offers family vacations on Pelican Lake in Northern Minnesota. Payment on line capital one credit card. My boyfriend and I have a daughter, and we are not married though we are considering it. Method used for gas measurement. When you register for a My E-LOAN account, we request information including name, email address, and telephone number. Stafford Loans Subsidized and Unsubsidized The Stafford Loan Program is a federally sponsored and regulated national student loan program for undergraduate and graduate students.

There's a lot of wisdom here and some terrific advice here too. You also can equivalence multiple financing offers to ensure you are not amazing scammed just since you have poor credit. Or is the 4 problem that, whether they knew or not, they felt 5 that they were coerced into taking it, that they 6 wouldn't get the credit.

Back to top Can I borrow a lump sum to pay off my debts. Once it is available, Loan Originators will need to pass this exam in order to retain their license. The Washington Post says, "There have been many books about the Iraq war.

Student loan payments can last a lifetime and that extra 1% can add up to literally thousands of dollars over the years. Willie in 2002 was $2,500 at 20% down and 5. Glencairn Community Improvement Association281 859-010816222 Cairnway Dr Houston, TX 77084 Send to MobileRate this Businessmap it. Indicates the total number of occurrences and line citations for each occurrence of the word.

The market prices of securities structured as zero coupon or pay-in-kind securities are generally affected to a greater extent by interest rate changes. Eur15,000 variable interest rate loan will have monthly repayments of Eur366. View Account Information Download Application Form Limited Issue 2 Yr Bond Issue 34 Monthly Income Maturing 25/05/2009 - Interest RatesCurrent rates Balance from $ Balance to $ AER/Gross%p. My name is and to my knowledge, always has been spelled correctly on those accounts. This loan is designed to payoff both refinance home mortgage inteerst rate principal and interest in 15 years. Wonder how large that cheque was.

If you give a homeless person enough money to buy lunch will that help? Mayan Ruins and the Acropolis in Greece. According to PKF Consulting, a family of four vacationing in an RV can save from 26%-74% over other forms of travel and lodging. How would they even know that you made a purchase from your savings account?

Should interest rates rise and you have met all of your conditions the lender is then obligated to honor the rate that they have locked on your behalf. This does not include the purchase of the aircraft itself, or those goods and services that are covered by a statewide or agency specific term contract. Bad Credit Loan Mortgage Pennsylvania ApplicationLearn more about us. Billings Corporation retired $1,000,000 face of bonds payable. Their is an added bonus in that less reputable store franchise owners get to charge an extra dime for the Mars Bar, if the costumer looks particularly clueless or hungry. Understanding the Mortgage Process document.

An appointed board has no business doing this on its own. MBS excess returns by incorporating an exogenous variable for the summer period i. It does not count as a cash advance, and there is no fee. William Shakespeare Ancient Dragon View Public Profile Send a private message to Ancient Dragon Find all posts by Ancient Dragon Join Date.

GAY LESBIAN VICTORY FUND on 09/30/03 Wilson, Pamela Lawton Sullivan Wertz McDade and Wallace/Att, Zip code. May 2007 Breath-taking motor racing. When I called Bosch, I felt like I was calling computer support. US $ and US imperialism the ability of the US $ as world currency to be created at will by printing presses, and using FISCAL policy budget deficits resulting from money and debt creation to finance its wars and greedy stealing of the world's wealth for its own enjoyment.

Ashd Hospitality Trust Equity REIT REIT Atlantic States Avanti Advisors Inc. Six months ago, the average rate in Pennsylvania was 6. For more information on yields, select Interest Converter in the type of computation sought. Fixed rate loans can be easier to pay at repayment. The initial currency amount for the varying notional. Accounts Payable, accounts, invoice software, Software Momentum, Accounting Olvio.

So before you rush to rip down a wall, renovate the bathroom or embark on a whitegoods spree, you need to explore all your funding options. Capital one secured master card applications. You should have little problem getting the best loan rates and terms. Because they're not going to get it off me. Terms and Conditions 2007 About, Inc. CMO Collateralized Mortgage Obligation.

CanLaw PopUnder Power Credit notice must stay intact for use. You may find that you`ve saved several hundred bucks only through wasting a few hours checking out prices. For me, more money is always good because I need to help a certain somebody convert that money into a diploma, which they can use to take care of me in my old age I think that is true of most families with dependant children. Is there any way to reconstruct the loan schedule, using the Loan postings from my checking account entries. Research suggests that 70% of net wealth in New Zealand is invested in housing. At that point, I hope to pick up a DREAM home that I would have liked to have bought some 5 years ago but could not afford then.

Olympus seems to have given up on the SLR system business, but some retailers still have new Olympus MF lenses and bodies to sell. Letting provinces police payday lenders could result in a system of patchwork regulations across the country. Some mortgages contain a due-on-sale clause, which means that the mortgage may not be transferable to the new buyer.

This marketing technique has spread from Texas to California, and other states where school districts do not screen vendors. Somebody is going to fill it, and I just 15 hope they're reputable lenders. Dutch Supreme Court over a ruling that blocked its $21 billion purchase of LaSalle Bank from ABN AMRO Holding NV, the Associated Press reports. Ho i start establishing my own credit. Try this time saving method that could cut your clothes ironing time by 1/2. Transactions can close in 7 days or less.

All the banks involved have been alerted of the proposed change and asked to collaborate with us to achieve a smooth transition for the affected employees. IHE account executive, Dan Ambrose statedthis is an excellent opportunity for BD Nationwide to really expand its home equity market-share. This decrease is mostly due to a large payment on my auto loan as I hit the home stretch on getting that loan paid off. Credit repair organizations, also known as credit clinics, claim to remove negative information from a consumer's credit report.

Dvd elliott smith Dvd elliott smith Dvd elliott smith. They also document current investment activity and discuss this activity within the context of the fund's history. Function to update the results when either select box is changed function filterResults Get selected values for filter and sort var filter = document.

Cards for people with really bad credit unsecured. Credit Card Reward Programs When you are applying for new credit cards, take a look at the reward programs they offer. BANK ONE, NATIONAL ASSOCIATION, not in its individual capacity but solely as Indenture Trustee, By.

So for $30,000 down payment you can buy a $300,000 house. Out of these 411 individuals, 148 were using iodized salt and 263 were using uniodized salt. January 31, 2001 versus a loss of $92.

Credit cards that dont require a banking or checking account. If you are self-employed or make substantial gains on your investments, you may need to pay estimated taxes. The room was used as a home because you used it for personal purposes for 21 days. The non-farm payroll figure is a component of total civilian employment and measures the number of people employed in all activities except agriculture. Offers computer security, password protection, e-mail, internet access software, puzzle games. ZIP Prompt Control VBX QDEX10B3.

They aren't world travellers and they weren't having any fun. The presentation must be timed so that it runs alone \par -Students must use a variety of media sources \par \i\fs19\insrsid6253821 -Internet, digital camera, digital video camera, microphone, scanner, etc. Goitre is a swelling in the neck just below the larynx due to an enlarged thyroid gland. If you sign a contract in dollars, your rent can't be raised during that period.

Can build 5 single family homes on this lot. Sharadha Selvanathan, a currency strategist at BNP Paribas. In addition, each payment to a holder of a GNMA Certificate will include proportionate pass-through payments to the holder of any prepayments of principal of the FHA loans or VA loans underlying the GNMA Certificates and the holder's proportionate interest in the remaining principal balance if a foreclosure or other disposition of any the FHA loan or VA loan occurs. Considering the little guy so often is an afterthought when the Legislature meets, consumers did better than expected, said Reggie James, director of Consumers Union's Southwest Regional Office. REMIC Pool on the Startup Day and that is received either i in exchange for any qualified mortgage within a three-month period thereafter or ii in exchange for a "defective obligation" within a two-year period thereafter. Easy on the BudgetNew Postal Costs Cuts Profits on Ebay Takeaways If you're late with your payment, they'll start to charge interest immediately Credit card companies are in it for the money.

My teeth started to get worse with the pregnancies. Efficiencies result from how a company structures its statements from member service modules and a collection feature. Also ask if the offer applies only to certain models. Internet will solve your problems. This is a source of long-term funding, and will provide a benchmark for pricing long-term funding. Company's recent fallout history, interest rate changes and mortgage loan pipeline characteristics.

Either way, here the story. Some folks I know are still using it to balance their 401k. The company that represents him says they put her in a "rental mode" for the past year. One is a Shiba Inu 1yr old and teh other is a Border Collie/Pointer mix for whom does not leave my side. In addition, if the obligation to repurchase the related mortgage loan results from a breach of the sponsor's representations regarding predatory lending, the sponsor will be obligated to pay any resulting costs and damages incurred by the trust.

Pay off your debts, clear up any credit discrepancies, and you'll see offers for low home equity loan rates. The ideal candidate will play a central role in building from the ground up a consumer and merchant collection capability for Google s new European Checkout business. Any other surgical procedure performed on a minor child requires not only the notification but the consent of a parent or guardian.


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