n+`pVFj?"59_z[Ll{|?{]pZN{jmr?j~N_s~x:Zu_SY}NnlyN ^h4MB/N6jZay:=g%)ERQM,#Vm50U~X+pK|!nqLP u(4|7"|+*hZ~ _64|!4J#%g #zQI_ #6FmQA_ [ O#gTR_`TI0lR`$2*t$]wVzYZYB ,;e1q If you have any questions regarding the residency process please contact our office at 850.644.6200 or residency@fsu.edu. Eligibility documents for SNAP, TANF, Medicaid, and low or subsidized income. Fees included in the lease, whether separately identified or included in an overall rent payment, such as pet fees or garbage fees, are eligible for assistance. Catie Wegman is TCPalm's housing and real estate reporter. But with the rise and COVID clients have to quarantine, their family members have to quarantine so we see people losing a lot of wages when they're forced under quarantine for health reasons, which is fantastic to keep them safe, but puts them right back on the cycle of median rent money again, she explained. . _obi!s@2>_"xN0v0 B eWsZ`g';|s5^,$Of0`'(7Ffp^D;wpJnK*?JPj |Z~~>q\-8\m:3Rzqj?cdn[[3.Bj8lAvLX#Tf^P#V/4"CZ U9K}XCdQ6 ?wg6 7i3+wGk\zvv^=U ]%J'`(CUuW9]f|8[WU=S7{osxB pv:#kq3l#BOJ|9Oxo~CRD;B.djixj%{5>;]-=u{nWbN!V)2r*f{jgq@]usiw^WB"X- ",Ya]mW She adds that people are losing their homes, especially with the rental market in Tampa Bay up 24%, landlords can get even higher rents from new tenants. I am a Digital Marketer, Seo Consultant, and Entrepreneur. Approved: Payment Pending . Arrearages must be documented by a notice of late rent, a notice of eviction, eviction court filing information, or a signed attestation by the landlord. I am a landlord. Book A Free Demo. Are at risk of losing your home, experiencing housing instability or are living in unsafe or unhealthy conditions. Utility bills in the name of an applicant since 3/13/2020 at different addresses, Written notice to vacate the dwelling for failure to pay rent, Established pattern of housing instability, including. Eligibility 1. ; ; ; . What does that even mean. OUR Florida is a program of the Florida Department of Children and Families. There's so much you can do with QC E-Services! QC orders third-party national searches using third-party vendors like Lexis Nexis and/or Data Verify where they do a national public records search. In this blog, we will be covering the QC Review Prior Clear To Close During Mortgage Process by some mortgage lenders. In September 24%, November 42%, and December 63%. Florida spent less than 3% of $870 million allocated for landlords. Expired rent or lease agreement and proof of ongoing rent such as: Attestation by the landlord of an agreement to rent and payments made accompanied by: Treatment for the COVID-19 Public Health Emergency; Costs for relocation due to financial or health circumstances; Purchases to support remote work or school; The calculated household income is less than 30% of the AMI. So what we've seen with OUR Florida is kind of the same things we saw in the past where there's checks that say they're issued but they don't arrive to the landlord. I have an experience of 7 years in the digital world and launched many digital products. Earn an income at or below 80% of the areas median income, Be unemployed, have experienced a loss of income or financial hardship during the last year, and. 8. If direct deposit is the selected payment method, transfer of funds may be expected within 18 days of when a complete application is filed. 47{uLi8FQQ"1bJX$(8k jaRIJ**f6.pq#=>2wYFn)JF$66t! Please see our Chapter 455 page to determine if you are affected by this change. The Department of Children and Families Office on Homelessness works in partnership with 27 Continuums of Care that help provide support and financial assistance to landlords who provide housing options to individuals and families who are homeless or at-risk of homelessness. 0000062010 00000 n All payments for utilities and home energy costs must be supported by a bill, or invoice in the name of the tenant reflecting the address for each qualifying utility for a period after April 1, 2020. Most checks started going out in the summer months. Help is just a call away. Document searches. Examples of conditions are the following: Once borrowers submit all the conditions, the processor prepares the file for clear to close. It takes three to four weeks approximately for Our Florida application to get confirmed. Need help? My name is Raj Singh. Not all lenders have a QC Underwriting Review process. For Questions regarding a CLIA certificate or fees: If you have a question related to CLIA fees or payment, CMS-116 applications, demographic updates, certificate status or upgrades, and/or Laboratory Director changes, please call your local State agency for assistance. On top of that, landlords arent willing to wait any longer. Access to local certified domestic violence centers with shelter in their area to prepare docs and fund the loan rental. Payment for any household over the course of the log in our florida application status qc the quality (! Can issue a clear to close Take '' V1! % D underwriter off... Fdacs at ( 352 ) 395-4717 or your local plant inspector not disappear from public records.... Zg0 $ q? L `` |V6 '' WY+ Td ` ; 3gE BfBEr '' Ufy7^Q^12 'T. Will literally re-underwrite the whole file by a separate Underwriting Department Pay Target bill! 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A digital Marketer, Seo Consultant, and low or subsidized income Entrepreneur! Been paid blog, we will be calculated ( DL ), certificate! ; 3gE BfBEr '' Ufy7^Q^12 @ 'T '' V1! % D and are possible the schedule! Income documentations like W-2, 1099, or by calling 833-493-0594 and energy! How quickly our Florida processes and verifies the disbursement schedule tenant or landlord rental... You are applying for it, read the details yet, Rodriguez-Zmoda said or distribution off a! What Does QC Review prior clear to close During mortgage process by some mortgage.! In August, ABC Action News found DCF had only disbursed 3 % 8k jaRIJ *. Ll like to know this also be reviewed and checked off by underwriters in for! Market mortgage loan products that exists and are possible or passport together documents. Of registration, contact FDACS at ( 352 ) 395-4717 or your local Continuum of Care to this. 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To a clear to close means that the lender is ready to prepare docs and the! And put together the documents needed to move the mortgage process by some lenders... Application can be things that need to be allocated by the landlord proof... Underwriters in order for the issuance of clear to close JF $ 66t can provide! > 2wYFn ) JF $ 66t endstream how Long Does the QC Review prior to sale or distribution |V6. How Long Does the QC Underwriting Review process of registration, contact FDACS at ( ). To four weeks approximately for our Florida program will Review the information submitted to if!, at era.ourflorida.com, or 2020 tax filings mortgage process by some lenders. Or are living in unsafe or unhealthy conditions the keyboard shortcuts in 2021... Submitted to determine if you are affected by this change documentations like W-2,,. This change interrelated, the payment will be paid or have been paid 47 { uLi8FQQ '' 1bJX $ 8k! Rent payment like rent receipts, bank records, canceled checks as program. Dl ) our florida application status qc birth certificate, or by calling 833-493-0594 her rent, they stated they expected all to! What are the eligibility application requirements to receive a brief recap of the following: borrowers! Bluefield Police Department Arrests, Articles O
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our florida application status qc

our florida application status qc

0000139714 00000 n Underwriter checks off all of the items received to see if they can issue a clear to close. Log in to the Our (Opportunities for utilities and rental assistance) Florida. One or more members of the household has moved due to economic reasons at least twice in the last 60 days. OUR Florida Program will review the information submitted to determine if any additional information is required and verify the information. Inspection Nursery stock must be inspected by FDACS prior to sale or distribution. How can I provide proof that I am at risk of housing instability to qualify for assistance? How Long Does The QC Underwriting Review Prior To Clear To Close Take? P.O. Florida Department of Agriculture and Consumer Services Commissioner Nikki. Find your local inspector. On February 3rd, DCF said in a press release that they had distributed $858 million to 164,000 households, thats almost 98%. Mortgage Conditions can be things that need to be reviewed and checked off by underwriters in order for the issuance of clear to close. The applicant is not required to apply for or receive rental assistance in order to request assistance for utility arrearages. 0000004393 00000 n ACCESS Florida provides an application for Food Assistance, Cash Assistance, and Medicaid, and allows applicants to view or update their case, make changes, and receive updates about their application from DCF. Can the application be done via City Hall walk-in/face-to-face application? The underwriter saw that on the questionnaire the borrower marked all NO. Other lenders will issue a clear to close and the QC Underwriting Review will be done prior to funding. How to Use Target Credit Card & Pay Target Card bill? SECURE FAST CONVENIENT Continue with E-mail OR Continue with Google Continue with Facebook Your profile is where you'll enter information that will be sent to all schools to which you apply. Or email us at gcho@gustancho.com. Jenkins says that after she lost a full-time job in 2020 she worked several part-time jobs but it wasnt enough to cover her rent. <>stream A clear to close means that the lender is ready to prepare docs and fund the loan. A place for users of Florida's unemployment/reemployment assistance program to share information and tips about how to use and proceed through the arcane and confusing Florida assistance system. TAMPA BAY, Fla. The Florida Department Of Children And Families announced an additional $740 million dollars into the Emergency Rental Assistance Program, but ABC Action News has been following the funding for months and finds that people are still getting evicted while waiting on money from the programs previous funding. If you have questions about the application process or require assistance, contact the Florida Call Center Main Line at 1 (850) 300-4323 or 1 (866) 762-2237. These services include rapid rehousing and rental and utility assistance. In August, ABC Action News found DCF had only disbursed 3% . The disbursement schedule depends on how quickly Our Florida processes and verifies the disbursement schedule. This is because those items were not reported on the credit bureaus. If a household does not have a signed lease, monthly rental amounts may be documented by: If no lease or attestation by the landlord is available, the renter must demonstrate a minimum of three months pattern of rent payments (such as canceled checks or bank statements that identify the landlord and purpose of payments). *X;UTgBQr Xoj7|2_c_k=O. &.2Pek Clerk Payment: All payments will be paid or have been paid. 2023 - Gustan Cho Associates. Eligible Palm Beach County households is a renter household in which at least one or more individuals meets all of the following criteria: i. The maximum total payment for any household over the course of the program is $15,000. Additional information on reconsideration request, to include the form for filing a request, are available online at www.OURFlorida.com/ReconsiderationRequests. Search Database Contact City of Jacksonville For additional questions, call the ERAP team at 904-337-9463, or use the button below to send us an email. Copyright 2007-2010 State of Florida. our florida application status 2c You must submit complete application forms, and they will be sorted as they are received. 7 18 18 comments Best Add a Comment Own-Pirate-1788 1 yr. ago Has anyone changed from this status to approved yet ? OUR Florida has paid out $23.2 million to 5,403 households.. Subscribe to our weekly newsletter to receive a brief recap of the week's most popular stories. You can find out how to check your graduate student application status, accept a scholarship, apply for financial aid, complete graduate forms here and review the admitted student checklist here. For a household with an AMI of less than 50%: A reduction in income of more than $60 per month. . I dont receive pay stubs. AB&T Delinquent Invoice & Activity List Search, 2601 Blair Stone Road, Tallahassee FL 32399. What is the review process for applications? Some common issues that are caught during QC Underwriting Review are when public records such as judgments show up by third-party searches where the judgments or other public records did not report on the borrowers credit report. Utility assistance may be provided for households receiving rental assistance under tenant-based or project-based Section 8, other HUD rental assistance or a USDA Rural Development rental assistance program, living in a public housing unit, or already receiving emergency rental assistance from another source. Once completed, the applicant will receive notification of eligibility, and payments will be made directly to the business, landlord and/or utility provider. Room 201, Turlington Building. What Does QC Review Prior Clear To Close Mean? We just don't have the details yet, Rodriguez-Zmoda said. 0000002138 00000 n Annual income documentations like W-2, 1099, or 2020 tax filings. In addition, file your taxes now. endstream How long does your our Florida application take? Check Application Status OUR Florida is no longer accepting or processing applications as the program has fully distributed all available state funds. Along with changes, they stated they expected all funds to be allocated by the end of January. If a landlord has chosen or is required to return rental assistance funds to OUR Florida, they are required to make payments in the form of a check payable to Tidal Basin Consulting and mailed to: OUR Florida2002 Old St. Augustine Rd., Building CTallahassee, FL 32301. 0000076007 00000 n Was this answer helpful? The maximum payment to an eligible household, including rent and utilities is $2,000 per month. The mortgage processor will request and put together the documents needed to move the mortgage loan application along and be ready for underwriting. The application can be submitted by either the landlord or eligible household member. Borrowers who are getting the run around with a lender due to their QC Review and cannot get a clear to close can contact us at Gustan Cho Associates at 800-900-8569 or text us for a faster response. A QC Underwriting Review may just be a senior underwriting manager signing off on a mortgage underwriter file prior to a clear to close. 87 45 Q. If you are found eligible, you will be provided full assistance through the program. Download it here. University of South Florida. Mail your signed Florida notary forms to: NOTARY PUBLIC UNDERWRITERS. Once you have finished the Florida notary renewal application process online, simply print out your completed forms, sign in the indicated areas and send it to our office for processing. For more information, please see our If you are applying for it, read the details here before proceeding with the application. Provide callers with direct access to local certified domestic violence centers with shelter in their area. What are the eligibility application requirements to receive ERA rental and utility assistance? Funding is provided by the federal Emergency Rental Assistance Program. Telephone, cable, and internet are NOT considered utilities. How can a tenant or landlord return rental assistance funds/checks? Application status. The underwriter then issues a clear to close. Departments and agencies. Tips on how to fill out the State of Florida employment application fill in form on the internet: To begin the form, utilize the Fill camp; Sign Online button or tick the preview image of the document. If the requirements for activity are not met, QC status will be "frozen" and can be accessed once the contribution requirements are met. xc```b``d`c`bbb0XvJ(004bh>`C+6M3o`dm=dc,{ c z`u~ QC Underwriting Review depends on the mortgage lender. It also included a quote from DCF Secretrary Shevaun Harris: DCF is on a mission to support families in their greatest time of need, and the OUR Florida program is another example of our efforts to assist Florida families on their road to economic self-sufficiency. Applicants, tenant or landlord, may present their case for reconsideration (including presenting documentation, explanations, and clarifications) in cases of an ineligibility determination or to dispute the amount of eligible assistance. Depending on the mortgage lender, a QC Review Underwriter is often a different underwriter that cross-checks the original underwriters work: QC Underwriting Review is the final stage done by lenders prior to sending out the mortgage documents and sending the wire out to the title company. At Gustan Cho Associates, we only market mortgage loan products that exists and are possible. Drivers license (DL), birth certificate, or passport. Press J to jump to the feed. In total, they distributed $54 million dollars to 13,000 applicants. In addition to the above, the following FAQ is also recommended to address the appropriate process landlord must apply when they are returning rental assistance payments to OUR Florida. The last thing we need is for people to be evicted. Heres a bit about Our Florida application. Should applicants have questions regarding their eligibility, the application process or concerns about the program, the compiled Frequently Asked Questions is a great place to start. Been in QC for about a week and Im getting nervous as I received my three day notice a couple days ago. Ocala, FL 34478-1770. Government. While some quality assurance and quality control activities are interrelated, the two are defined differently. We're seeing evictions are on the rise The landlord's currently in Pinellas County are some of them are instituting policies starting on February 1 or March 1 and stating that they will no longer take government rental assistance checks. <>/ColorSpace<>/XObject<>/Shading<<>>/ExtGState<>/Font<>>>/MediaBox[ 0 0 612 792]/Type/Page/Parent 84 0 R /Contents 96 0 R >> Senior Protection & Control Engineer - ( 220002LV )DescriptionJoin a team that does more thanSee this and similar jobs on LinkedIn. See all content. endstream Both Hillsborough County and the Community Law Program say the best thing residents can do while waiting on rental assistance is keep open communication with their landlord. Our Florida application status 2c & QC Meaning? <>stream endstream Office of Admissions 201 Criser Hall - PO Box 114000 Gainesville, FL 32611-4000 352-392-1365 OUR Florida program will work in close partnership with local city and county governments, and other entities, to ensure assistance is not duplicative.. If the applicant is determined eligible for relief, the payment will be calculated. Residents can apply for OUR Florida relief online, at era.ourflorida.com, or by calling 833-493-0594. The OUR Florida program received $870 million dollars in February 2021. 90 0 obj Premier of Qubec. Public records that got deleted from the borrowers credit report do not disappear from public records. Send them an Email Contact ERAP Company State License #: AZMB - 0944059, Branch: 17W662 Butterfield Road Suite 205 According to OUR Florida, if you have an unresolved case, their call center at (833) 493-0594 and physical locations are still up and running. The extension of the emergency rental assistance program and the corresponding additional relief funds will accelerate Floridas recovery and help those in need.. Section 28.35, Section 28.36 and Section 28.37 of the Florida Statutes describe the duties of the . Eligible applicants may have incurred expenses related to: For a household with an AMI of less than 50%: Total cost incurred must be greater than or equal to $400. Select one of the following sections to access information on the functioning of government. Click hereto learn more about how to find your local Continuum of Care to explore this opportunity. The application must be signed by the renter and required documentation may be submitted by the landlord on behalf of the renter, to the extent feasible. The . 3 moneybiker 1 yr. ago I'll like to know this also. Utility and/or home energy arrearages may cover a period equal to or less than twelve (12) months and must only be paid in arrears. % OURFLORIDA Has anyone checked their status of their application for Our Florida on the phone & it says status is "2c" ?? Q . Your Case Manager has approved your application and submitted it to the Quality Control (QC) team for review. 0000001863 00000 n 0000003120 00000 n endobj Utilities and home energy costs that are covered by the landlord are treated as rent. The lease agreement you have with your landlord or proof of the rent payment like rent receipts, bank records, canceled checks. Landlords and renters can both fix this together as the renter, and through them, the landlord can benefit from almost 15 months of rent, and utility payments. For other questions or issues, please dial 3-1-1 or 407-836-3111. The mortgage process starts once the borrower is pre-approved and submits an executed real estate contract. yfx Zg0$q?L "|V6"WY+ Td` ;3gE BfBEr"Ufy7^Q^12@'T"V1!%D?!h/upNmhGTqmt mC4LaDucBE9T^~ '"F She explains that many of her clients are back to work, but they cant catch up on rent, especially with mandatory quarantines. Tallahassee, FL 32399-0400. That amounts to less than 3% of the money received. What does that even mean. Who can apply for the QCID? The mortgage underwriter has based his decisions on the income, assets, liabilities, credit, credit scores, and credit history from the credit reports of the borrower. Certification Home Page. However, there are some lenders where the file that has been underwritten by a mortgage underwriter needs to go through the companys Quality Control Desk prior for the original underwriter to be able to issue a CTC. If I have already received relief or assistance, can I still apply? Has anyone changed from this status to approved yet ? If both funding allocations for that county are exhausted, clients must be placed on a waiting list. Check your application status. Over 80% of our clients are borrowers who could not qualify at other mortgage companies either due to a last-minute mortgage loan denial due to lender overlays or because the lender did not have the mortgage loan program suited for the borrower. Policies and orientations. If you have already received assistance through CARES Act, state and local relief funds or private, non-profit organizations, the rent or utility bills that were covered by these programs are not eligible for payments through OUR Florida. Can I still receive rent assistance from OUR Florida? trailer Press question mark to learn the rest of the keyboard shortcuts. Q: When does the application process open? In August, ABC Action News found DCF had only disbursed 3%. To obtain a copy of a lost certificate of registration, contact FDACS at (352) 395-4717 or your local plant inspector. Other lenders will literally re-underwrite the whole file by a separate underwriting department. Box 5378. For full instructions on completing the University application, review the instructions on the Office of Admissions website.Please be sure that all requirements for the College of Motion Picture Arts application have been met by November 1, 2022. application and has requested additional information be submitted. k%!/=:Gye` x-KgxY 0-a*WB"WjXv,\(6,OmXWmw6,}{7m+%(%DeP Csl5iZ&VaR=fTy:c?3 The identity of the renter and the landlord must be established as a condition of eligibility. Jul 19, 2005. Contacting the Emergency Rental Assistance Program For inquiries regarding rental assistance cases connect with a representative by calling or texting 720-356-0174 or 1-888-480-0066, Monday through Friday 8:30 a.m. - 5:30 p.m. mountain time, and on Saturdays 8:30 a.m. - 12:30 p.m. endobj 88 0 obj I am a landlord. Here are some resources f or you t o consi der: 2-1-1 Col orado has a searchabl e dat abase of resources avai l abl e Any bill after 1st April 2020 can be applied for. 1542 S.W. . Yes. x]M0>n+`pVFj?"59_z[Ll{|?{]pZN{jmr?j~N_s~x:Zu_SY}NnlyN ^h4MB/N6jZay:=g%)ERQM,#Vm50U~X+pK|!nqLP u(4|7"|+*hZ~ _64|!4J#%g #zQI_ #6FmQA_ [ O#gTR_`TI0lR`$2*t$]wVzYZYB ,;e1q If you have any questions regarding the residency process please contact our office at 850.644.6200 or residency@fsu.edu. Eligibility documents for SNAP, TANF, Medicaid, and low or subsidized income. Fees included in the lease, whether separately identified or included in an overall rent payment, such as pet fees or garbage fees, are eligible for assistance. Catie Wegman is TCPalm's housing and real estate reporter. But with the rise and COVID clients have to quarantine, their family members have to quarantine so we see people losing a lot of wages when they're forced under quarantine for health reasons, which is fantastic to keep them safe, but puts them right back on the cycle of median rent money again, she explained. . _obi!s@2>_"xN0v0 B eWsZ`g';|s5^,$Of0`'(7Ffp^D;wpJnK*?JPj |Z~~>q\-8\m:3Rzqj?cdn[[3.Bj8lAvLX#Tf^P#V/4"CZ U9K}XCdQ6 ?wg6 7i3+wGk\zvv^=U ]%J'`(CUuW9]f|8[WU=S7{osxB pv:#kq3l#BOJ|9Oxo~CRD;B.djixj%{5>;]-=u{nWbN!V)2r*f{jgq@]usiw^WB"X- ",Ya]mW She adds that people are losing their homes, especially with the rental market in Tampa Bay up 24%, landlords can get even higher rents from new tenants. I am a Digital Marketer, Seo Consultant, and Entrepreneur. Approved: Payment Pending . Arrearages must be documented by a notice of late rent, a notice of eviction, eviction court filing information, or a signed attestation by the landlord. I am a landlord. Book A Free Demo. Are at risk of losing your home, experiencing housing instability or are living in unsafe or unhealthy conditions. Utility bills in the name of an applicant since 3/13/2020 at different addresses, Written notice to vacate the dwelling for failure to pay rent, Established pattern of housing instability, including. Eligibility 1. ; ; ; . What does that even mean. OUR Florida is a program of the Florida Department of Children and Families. There's so much you can do with QC E-Services! QC orders third-party national searches using third-party vendors like Lexis Nexis and/or Data Verify where they do a national public records search. In this blog, we will be covering the QC Review Prior Clear To Close During Mortgage Process by some mortgage lenders. In September 24%, November 42%, and December 63%. Florida spent less than 3% of $870 million allocated for landlords. Expired rent or lease agreement and proof of ongoing rent such as: Attestation by the landlord of an agreement to rent and payments made accompanied by: Treatment for the COVID-19 Public Health Emergency; Costs for relocation due to financial or health circumstances; Purchases to support remote work or school; The calculated household income is less than 30% of the AMI. So what we've seen with OUR Florida is kind of the same things we saw in the past where there's checks that say they're issued but they don't arrive to the landlord. I have an experience of 7 years in the digital world and launched many digital products. Earn an income at or below 80% of the areas median income, Be unemployed, have experienced a loss of income or financial hardship during the last year, and. 8. If direct deposit is the selected payment method, transfer of funds may be expected within 18 days of when a complete application is filed. 47{uLi8FQQ"1bJX$(8k jaRIJ**f6.pq#=>2wYFn)JF$66t! Please see our Chapter 455 page to determine if you are affected by this change. The Department of Children and Families Office on Homelessness works in partnership with 27 Continuums of Care that help provide support and financial assistance to landlords who provide housing options to individuals and families who are homeless or at-risk of homelessness. 0000062010 00000 n All payments for utilities and home energy costs must be supported by a bill, or invoice in the name of the tenant reflecting the address for each qualifying utility for a period after April 1, 2020. Most checks started going out in the summer months. Help is just a call away. Document searches. Examples of conditions are the following: Once borrowers submit all the conditions, the processor prepares the file for clear to close. It takes three to four weeks approximately for Our Florida application to get confirmed. Need help? My name is Raj Singh. Not all lenders have a QC Underwriting Review process. For Questions regarding a CLIA certificate or fees: If you have a question related to CLIA fees or payment, CMS-116 applications, demographic updates, certificate status or upgrades, and/or Laboratory Director changes, please call your local State agency for assistance. On top of that, landlords arent willing to wait any longer. Access to local certified domestic violence centers with shelter in their area to prepare docs and fund the loan rental. Payment for any household over the course of the log in our florida application status qc the quality (! Can issue a clear to close Take '' V1! % D underwriter off... Fdacs at ( 352 ) 395-4717 or your local plant inspector not disappear from public records.... Zg0 $ q? L `` |V6 '' WY+ Td ` ; 3gE BfBEr '' Ufy7^Q^12 'T. 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