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Why I Invest in Section 8 Apartments

  Рет қаралды 131,695

Commercial Property Advisors

Commercial Property Advisors

Күн бұрын

Пікірлер: 221
@CommercialPropertyAdvisors
@CommercialPropertyAdvisors Жыл бұрын
Buy your own Section 8 apartment with my help by applying to our Protege Program: www.commercialpropertyadvisors.com/protege-program
@lucysmithers357
@lucysmithers357 3 жыл бұрын
I am almost 70 and I'm on Section 8 in senior housing..I love my place.. we have inspections every 3 months. Fail 3 and you are terminated..I have a lifelong friend who was on Section 8 when she was a single mom.. She now owns her own home .. without this program I would be homeless..
@graysonfernando8272
@graysonfernando8272 3 жыл бұрын
Sorry to be off topic but does any of you know of a trick to get back into an Instagram account..? I was dumb forgot my login password. I appreciate any tricks you can give me!
@MissEricaBarnes
@MissEricaBarnes 5 жыл бұрын
I can't believe this video doesn't have more views! It's absolutely amazing! Very clear, easy to understand, and you hit all the major area's of concern when investing in Section 8. SN: great penmanship greatly helps as well. All around very good video. Thank you so much for sharing this wealth of information.
@Mcdowells
@Mcdowells 5 жыл бұрын
GOLD...the most comprehensive video I've seen on this.
@ITILII
@ITILII 7 жыл бұрын
One of the best videos I've seen on any subject. Thia man has experience, knows what he's talking about, and explains things very clearly. It would be a pleasure to do business with a man like this !
@sarahcastelli6161
@sarahcastelli6161 3 жыл бұрын
we are good to go for next weekend
@SunnyGirlFlorida
@SunnyGirlFlorida 7 жыл бұрын
"Train the tenant. You're the parent!". Love that!
@subburban2618
@subburban2618 6 жыл бұрын
This man has a plethora of information I hope I get chosen for his protégée program
@Nahoyet
@Nahoyet 6 жыл бұрын
You can take a Section 8 tenant to court and get a judgment for damages, just like any other tenant. Thant judgment will also revoke their voucher and most apartments will not rent to someone who owes rent to a previous landlord. You need to screen Section 8 tenants just like you would anyone else.
@annebradley6086
@annebradley6086 5 жыл бұрын
Apparently Section 8 Tenants were not required to have renters' insurance. I personally have it for decades because of dishonest landlords.
@teedee3154
@teedee3154 4 жыл бұрын
Exactly!!!!
@CommodityTrader999
@CommodityTrader999 4 жыл бұрын
This is very insightful. I worked as an Eviction Prevention case manager for 5 years and understand how these subsidies and incentives work (Section 8 does not offer as much incentives at the NYC based subsidies). It's great to hear from an investor's point if view. I would have thought it was a bad idea but the point system that's in place will better to vet qualified from unqualified tenants seems to be very useful. Thank you!
@sarahcastelli6161
@sarahcastelli6161 3 жыл бұрын
we are good to go for next week
@omarkhalid4900
@omarkhalid4900 5 жыл бұрын
I'm very new to real estate, I'm currently In Iraq serving our nation (USA) I have been looking for investing in real estate and I dont know most of the stuff you said I will never learn it in real life. I have been watching all your videos. Man I really appreciated the time you spent to educat us for free. I hope to I can contact you for more advices . God bless you Sir.
@wmjessemiller
@wmjessemiller 5 жыл бұрын
Bro.. just use the va loan. You can get up to a four unit property with it. That’s what I’m doing. Cool thing is you don’t need to put any money down. Don’t spend your deployment money on a fancy car or what ever bullshit we usually spend it on. Use that capital for real estate
@candicetenga1437
@candicetenga1437 4 жыл бұрын
@@wmjessemiller Great advice!!!!
@brianrichards7006
@brianrichards7006 6 жыл бұрын
Normally, I would run a background check also. Prior felonies of a violent nature would automatically disqualify a prospective tenant, in my opinion.
@shelleygreyrealtor
@shelleygreyrealtor 2 жыл бұрын
In my area, people that have felonies cannot get on the program.
@marcuslane3
@marcuslane3 5 жыл бұрын
Section 8 can be a great guarantee on your INVESTMENT...if you cant take a risk...you shouldnt invest...its not for everybody...but it works!!
@luckylady8891
@luckylady8891 5 жыл бұрын
I am Sec-8 tenant I need to move to a building that except Sec-8 I LIVE in a house in NY🇱🇷 everything getting so high IT just not worth it paying all this rent and we low-income. I always been a good Sec-8 NEVER had evictions. NEVER damage apartment because it's just me and I LIVE clean that's how I always been all my life. If yu looking fo a goodr sec-8 tenant yu see my face on. The billboard💯
@TRuffin
@TRuffin 5 жыл бұрын
Lucky Lady call me 404-330-9277
@thomaswhite1289
@thomaswhite1289 6 жыл бұрын
This guys like the Ben Carson of real estate
@annebradley6086
@annebradley6086 5 жыл бұрын
Yes, and it's a shame Trump suppresses Secretary Carson with the appointed Deputy Secretary shill who's obvious least concern ((like crooked Rosenstein, son of Heinrich Himler (look in images, compare)) did to Hon. Jeff Sessions, and more.
@shelleygreyrealtor
@shelleygreyrealtor 4 жыл бұрын
I love his info, but can't say he reminds me of Carson.
@DailyAIguy
@DailyAIguy 3 жыл бұрын
Loved this amazing content. Straight to the point. Hard facts. Even gave websites and the point system is absolute gold when it comes to picking out tenants. You expedited my learning. Thank you sir
@lanaignatov6004
@lanaignatov6004 5 жыл бұрын
Thanks for the great info! Best video I’ve seen on this topic thus far! -Lana
@gastonalvarez876
@gastonalvarez876 Жыл бұрын
Best section 8 Video I've ever seen. Thanks a lot!
@stefbowie
@stefbowie 4 жыл бұрын
SUPER INFO! Great jo! Really appreciate you taking the time to share 🤗
7 жыл бұрын
Good video. I've always stayed away from section 8, but now have a property where it might make sense. This video was very informative! Thanks.
@skeletordevops
@skeletordevops 5 жыл бұрын
Love your content. Watching now!
@derrickpatrick1206
@derrickpatrick1206 3 жыл бұрын
Thanks for the clear and concise process with screening any and all tenants. The point system really removes the emotions often times wedged in during the approval process while reviewing potential tenants; whether general public or HCV candidates.
@richardjudedaratony
@richardjudedaratony 7 жыл бұрын
I build these, but I never thought about keeping them. I'm about to do 100 doors in the northwest.
@matthewramirez1589
@matthewramirez1589 4 жыл бұрын
This is great information. People would pay $1000s for this information!
@Stephen_M_Lambert
@Stephen_M_Lambert 6 жыл бұрын
Great content! I'm going to use all of this info for the property I just purchased.
@jaarviscarter1781
@jaarviscarter1781 5 жыл бұрын
Hello Lambert,,, Just curious to know how your investment is working out. Thinking about investing soon and would take any advice..... Thanks
@albxdotcom
@albxdotcom 7 жыл бұрын
This guy is the great ... he knows his stuff.
@haleyamber4976
@haleyamber4976 6 жыл бұрын
This man is golden.
@pchab1966
@pchab1966 3 жыл бұрын
Peter, I am so grateful for your existence. Awesome teacher. I hope to learn everything to this industry.
7 жыл бұрын
genius. this is exactly what we needed. thank u!
@ParisDavisDean
@ParisDavisDean 5 жыл бұрын
You are on point. Exactly what I needed; you did a wonderful job explaining. I will make sure I have all your information at my fingertips. Thank you very much. Subbing.
@axiomaddict
@axiomaddict 4 жыл бұрын
Succinct and clear. Perfectly presented. Thank you!
@briansalerno2155
@briansalerno2155 6 жыл бұрын
I am a landlord in MA and your video is very informative, and right to the point! Thank you
@wealthandwellnesswithGrace
@wealthandwellnesswithGrace 5 жыл бұрын
Thanks for this great content! I'm about to start renting my house to section 8 and definately needed to learn this point system to screen tenants.
@Lisa76015
@Lisa76015 7 жыл бұрын
I read your bio and it's very impressive. I am going to review more of your videos. Thank you for sharing.
@DJLalr
@DJLalr 3 жыл бұрын
Great video...relevant to US properties....we are based in UK...our govt has just changed the rules so the max deposit is 5 weeks rent....so your point system for 2 to 2.25 for Double Deposit will not work here....not sure if you guys will be facing the same problems with govt changing rules on rental properties soon. We also have problems where if you own rental properties as an individual - you cant take off the mortgage interest payments off as a cost - only 20% of the cost of finance interest/mortgage is allowed - maybe property investors in the US need to take note - this shit might be coming over to you guys soon - who knows ?
@JRhinoful
@JRhinoful 2 жыл бұрын
Same rules in NYC area in theUS
@aneicefair-robinson7535
@aneicefair-robinson7535 7 жыл бұрын
This is a very informative and positive video, the delivery of the message was good.
@reynaldoacosta5732
@reynaldoacosta5732 6 жыл бұрын
Number 5 on the disadvantages list probably would be worse in the case of private tenants than on Section 8 tenants.
@angrycannibal6625
@angrycannibal6625 2 жыл бұрын
Thank you so much! There was so much useful info in the video.
@LaddDentalGroup
@LaddDentalGroup 2 жыл бұрын
Outstanding content!! Thanks so much for the video!
@bbqworld2103
@bbqworld2103 Жыл бұрын
Good info, thank you
@jamesxuyan
@jamesxuyan 7 жыл бұрын
Hi Peter, Thanks for your video. We have many single houses in Orlando, Kissimmee and Davenport. I am just thinking to start do investment on commercial real estate. Your videos help me a lot.
@CommercialPropertyAdvisors
@CommercialPropertyAdvisors 7 жыл бұрын
Watch this video too: kzfaq.info/get/bejne/isefpsmo2czGnYE.html
@nattyp7801
@nattyp7801 4 жыл бұрын
This explanation is so good....very understanding ,I was thinkable about a 6 unit apt building ??
@jskillzgil6081
@jskillzgil6081 3 жыл бұрын
I agree with me being a commercial owner in massachusetts you are on point
@alvaroperez9995
@alvaroperez9995 4 жыл бұрын
Excellent video, very instructive. In my experience, in regards to Sec 8 tenants, advantages outweigh disadvantages
@MsRESPECT90
@MsRESPECT90 6 жыл бұрын
This video is invaluable. Thank you so much!!!!
@jeffg6924
@jeffg6924 4 жыл бұрын
Peter I am considering purchasing a Section 42. Do you have any information on these and how to set up the new LLC to be qualified to handle low income tenants after the building has been purchased?
@benjamingabin1427
@benjamingabin1427 6 жыл бұрын
Thanks Peter. I misunderstood what you said in the video. I thought you were saying that you would have evicted her because of her negligence with her daughter, not because of her negligence with paying rent.
@googleuser4428
@googleuser4428 3 жыл бұрын
Thanks so much. Great video!
@mgtaxman404
@mgtaxman404 4 жыл бұрын
Regarding your section 8 point system...on your 2.0 - 2.5 rating you ask for double deposit... Is that based on your total rent (let's say $1000) or is it based on their rent portion (in your example $200). So they would have to come up with a $400 deposit?
@karenharlow5907
@karenharlow5907 4 жыл бұрын
If the Head of Household does not abide in the contracted unit then she is at risk of losing her voucher. This must be reported and is not okay. It is in violation of the HAP contract. Landlords need to report these issues.
@4Borings
@4Borings 6 жыл бұрын
Very informative and helpful to me! I appreciate your video and you did an excellent job! Thank you!
@violetraton8731
@violetraton8731 5 жыл бұрын
Very informative it helps me a lot as i am planning to invest commercial properties
@robertlewandowski430
@robertlewandowski430 4 жыл бұрын
So helpful, thank you
@sherrilaird6535
@sherrilaird6535 3 жыл бұрын
Great information, Thank you.
@ashsa928
@ashsa928 7 жыл бұрын
All of your videos are awesome... A little baby can understand them! I really enjoy them. I need you as an advisor & mentor. Can that happen? Thanks, Ash
@CommercialPropertyAdvisors
@CommercialPropertyAdvisors 7 жыл бұрын
Apply to my Protege Program here: www.commercialpropertyadvisors.com/protege-program
@zachmontandon4050
@zachmontandon4050 Жыл бұрын
I am wanting to but a 6-plex that has section 8 tenants. The landlord has been offering all bills paid. Is there a way that Section 8 tenants can also get help with paying utilities and not just rent? Thank for you the great content videos !
@timmy101able
@timmy101able 5 жыл бұрын
Can it be difficult to evict a section 8 tenant.. is the process the same as any other eviction or is it a different process
@Thegoatt84
@Thegoatt84 3 жыл бұрын
You don't have a lot of ground to stand on because the government pays you 70-80% of your asking price. Hence why it's a headache for investors to go through with the evictions.
@jasonl1916
@jasonl1916 Жыл бұрын
Great video!
@savelikeaprowithleah5157
@savelikeaprowithleah5157 3 жыл бұрын
Absolutely agree with you 100 %. I rent to only Section 8 Tenants !
@vernl641
@vernl641 7 жыл бұрын
I am really enjoying you content thus far. In one of your videos you mentioned it's not necessary to have a license for C.R.E. how do you do deals without it? Dose this vary by state? I am in New Jersey.
@CommercialPropertyAdvisors
@CommercialPropertyAdvisors 7 жыл бұрын
Ask yourself this question...how do thousands of commercial real estate investors invest in commercial real estate without a license?
@ryanmccready875
@ryanmccready875 5 жыл бұрын
I have a quick question for my first purchase would you recommend a two unit property with a owner occ loan and later do section 8. Or go the 203k fha a few times and gain some capital then do section 8 properties?
@billtorrence8102
@billtorrence8102 4 жыл бұрын
Does the landlord always pay the section 8 tenants utilities?
@sisterelizee2722
@sisterelizee2722 4 жыл бұрын
It depends on which state your property is in. But usually, not all utilities are the responsibility of the landlord.
@mostmost1
@mostmost1 3 жыл бұрын
Not yet n Chicago
@TeeTee-dt2di
@TeeTee-dt2di 6 жыл бұрын
I like your video but they are still human's too, it's just they are hopeless and broke. Not everyone on section 8 is like that🤔stop judging! GIVE people hope by helping 😇
@kimberlymarne3935
@kimberlymarne3935 6 жыл бұрын
My black brother u brought joy to my heart..... quality black man right here so few in this world...... just so proud of u... speaking as a Realestate investor with a large portfolio....ur quiet knowledgable greatly admired my bro very very proud of u
@solino93
@solino93 6 жыл бұрын
So few quality black brothers! How do you know that? That' s not even a compliment?
@acev3268
@acev3268 5 жыл бұрын
Shut up bitch quit bringing race into everything. Hes just another successful man . "My black sista" 🤨 n yes I'm black aswell..
@withfootnotes
@withfootnotes 5 жыл бұрын
coca-cola bling 69 Thank you for that!
@acev3268
@acev3268 5 жыл бұрын
@@withfootnotes my pleasure 👍
@tusharprasad2734
@tusharprasad2734 3 жыл бұрын
Starts at 9:00
@andy3045
@andy3045 3 жыл бұрын
Outstanding presentation
@tomohawk52
@tomohawk52 2 жыл бұрын
25:00 so if anyone gets a -3 on either rental history or credit/debt, they are ineligible.
@joewelnack3283
@joewelnack3283 3 жыл бұрын
Wonder if HUD finances these buildings; I already deal with enough bums in my current business. Not my cup of tea. This guy is brilliant.
@denisec3153
@denisec3153 6 жыл бұрын
according to your point system everyone who either has an eviction or problems with former LL, can NEVER get into an apartment, is this accurate? no need to calculate if they have either problems, just automatic no.
@PaulasAwesomeWorld
@PaulasAwesomeWorld 6 жыл бұрын
Usually if you have a history of not paying your rent you will not even get approved for section 8.
@TH-nk9yo
@TH-nk9yo 6 жыл бұрын
great video! thanks
@danceballetacro
@danceballetacro 4 жыл бұрын
excellent video!
@goldboyjr
@goldboyjr 3 жыл бұрын
Thank you, Peta
@reynaldoacosta5732
@reynaldoacosta5732 6 жыл бұрын
SC Laws prohibit double deposits. Deposits must be =< 1 month rent
@shelleygreyrealtor
@shelleygreyrealtor 4 жыл бұрын
In Los Angeles county they have a HIP program where the government will give double security deposit and other financial bonuses.
@controlispower5127
@controlispower5127 7 жыл бұрын
The way you have the point system set up they would not be eligible if evicted or had previous LL trouble. It's mathematically impossible to recover. Is this for a reason? Is this to automatically disqualify them? and say its based on points? to protect us for encountering the same thing? if so, that is a good tool.
@CommercialPropertyAdvisors
@CommercialPropertyAdvisors 7 жыл бұрын
The point system works very well. We haven't had an eviction in 5 years on a building I own.
@stevenroshni1228
@stevenroshni1228 4 жыл бұрын
Curious as to why DTI is weighted this heavy?
@FabianBaez
@FabianBaez 4 жыл бұрын
Awesome content thx Peter
@SimplyAdiva
@SimplyAdiva 6 жыл бұрын
This is great advice, I'm a Real Estate Broker and I started my own credit repair company & still doing property management. I used to go to former landlord's house and speak to neighbors. My clients pay for extra and we get consent from the prospective tenant. Now that my business has grown I had to stop. I have switched to High end because it was too much business to scale in NYC. There are really great Section 8 tenants and cash paying tenants. Make sure you have vetted each individual person carefully. I've had good and bad with both. Do you offer mentorships? I'm looking to make large purchases in NYC and PA. I will be buying your book ASAP.
@CommercialPropertyAdvisors
@CommercialPropertyAdvisors 6 жыл бұрын
Learn more here: www.commercialpropertyadvisors.com/protege-program
@Jay-po9tu
@Jay-po9tu 6 жыл бұрын
This was a great video
@sidmar23323
@sidmar23323 3 жыл бұрын
The amount HUD lists as fair market rent isn't what section 8 will pay. I'm dealing with that now.
@roberthughey4188
@roberthughey4188 Жыл бұрын
This is what I want. Can you help me to get this, I'm working with very little money?
@MadameInsightTrades
@MadameInsightTrades 4 жыл бұрын
Peter, What is the average down payment for section 8? Is it double the full rent or double the tenant portion of the rent?
@DrCarr-nb1tf
@DrCarr-nb1tf 6 жыл бұрын
The man is the best
@22castillo22
@22castillo22 6 жыл бұрын
Great video
@mamba00
@mamba00 6 жыл бұрын
Would luv to speak to you, invest and learn more! Please respond Peter
@pvilbon1
@pvilbon1 7 жыл бұрын
Peter doesn't this go against your guiding principles for investment...such invest in more desirable areas as you can't manage your way out of a bad neighborhood?
@CommercialPropertyAdvisors
@CommercialPropertyAdvisors 7 жыл бұрын
There is a big difference between owning Section 8 Apartments in a fair part of town versus one in a very dangerous, very very depressed part of town. There is still plenty of Section 8 in the peninsula of San Francisco, for example.
@RedScareClair
@RedScareClair 6 жыл бұрын
Patrick Vilbon I just did a quick search and was surprised to find a couple of low income housing buildings in a rather desirable part of town. He never said buy a dump in a slum.
@autrychambliss7988
@autrychambliss7988 6 жыл бұрын
very good info..
@deborahanndocimo6890
@deborahanndocimo6890 7 жыл бұрын
Thank you so very much, Peter! You are the most wonderful mentor! I have gained so much knowledge from your teaching! I hope that our government will remain strong!
@jg2729
@jg2729 7 жыл бұрын
Great Video
@1234celestec
@1234celestec 6 жыл бұрын
can u help mentor me, I really want to get into real estate wholesale, rent and investing.
@CommercialPropertyAdvisors
@CommercialPropertyAdvisors 6 жыл бұрын
Apply to my Protege Program here: www.commercialpropertyadvisors.com/protege-program
@netjomo
@netjomo 7 жыл бұрын
Thanks!
@patrickvalencia1033
@patrickvalencia1033 Жыл бұрын
in NY you can't use a tenant's housing court history to determine their fitness
@CommercialPropertyAdvisors
@CommercialPropertyAdvisors Жыл бұрын
OUCH!
@michaelroot1313
@michaelroot1313 5 жыл бұрын
great video
@erikhopkins9488
@erikhopkins9488 3 жыл бұрын
Can't do security deposits anymore in my city.
@coraleeculbreath1246
@coraleeculbreath1246 7 жыл бұрын
You are so awesome i learn so much from you. I do..
@kr1sant
@kr1sant 6 жыл бұрын
Ok I have 220k in cash, a 760 plus credit score and only have a mortgage payment. That is the only debt that I have. I am interested in acquiring properties to rent them out. What would be your first suggestion for me? I applied for a investment loan which I was approved for 340k. At this point should I just research the area and buy the properties and place them on gosection8.co?
@CommercialPropertyAdvisors
@CommercialPropertyAdvisors 6 жыл бұрын
You can easily get a commercial loan with your $220,000 down payment that would be a total purchase price of $730,000
@kr1sant
@kr1sant 6 жыл бұрын
Commercial Property Advisors thanks for you reply. I live in a dallas and it’s impossible to find anything here. Should I look at a different market and research a property management company to carry out the day to day operations
@CommercialPropertyAdvisors
@CommercialPropertyAdvisors 6 жыл бұрын
Impossible? While the grass may be greener elsewhere, there are diamonds in your own backyard too.
@kr1sant
@kr1sant 6 жыл бұрын
Commercial Property Advisors yes I know. I’m trying. I’m reading what I can, doing my own research and everything. I’m on my way to see some multi units right now. I want to have 30 units within the next few years. An apartment would be ideal but it’s been challenging. If I can build up my equity with multi units I’m hoping to secure a bigger loan.
@kr1sant
@kr1sant 6 жыл бұрын
Commercial Property Advisors I wouldn’t say impossible but challenging. But I won’t give up. I’ll find a way
@ALoFoQuE
@ALoFoQuE 6 жыл бұрын
This was great information, however I did not hear about what is the shortest lease agreement a tenant with section 8 is required?
@CommercialPropertyAdvisors
@CommercialPropertyAdvisors 6 жыл бұрын
That may not be the best question to be asking. It would be better to screen wisely so you get good tenants and you would prefer to lock them in for the long haul rather than a month to month.
@shelleygreyrealtor
@shelleygreyrealtor 4 жыл бұрын
From what I've seen the landlord maintains control and you setup what you feel comfortable with. But I completely agree, you want to keep turnover low. You will want someone that will be a good tenant and stay a long time.
@BB-rm9fl
@BB-rm9fl 5 жыл бұрын
Bro Ive sleep when it comes together property.
@IWBVS
@IWBVS 6 жыл бұрын
One of the inspectors called out distressed wood as "termite infested". #fail #embarassing. Another one failed because of a ketchup stain on the counter
@paratroopergirl4064
@paratroopergirl4064 Жыл бұрын
I have my eye on a 4 suite apartment building. Do I have to have a RE agent? I'd rather not if possible.
@CommercialPropertyAdvisors
@CommercialPropertyAdvisors Жыл бұрын
It is MUCH better to buy an off-market property directly from a seller than having any agents in the middle
@paratroopergirl4064
@paratroopergirl4064 Жыл бұрын
@@CommercialPropertyAdvisors --- However, I reviewed another one of your videos stating that it is better to buy 5 or more commercial properties. Is this correct?
@CommercialPropertyAdvisors
@CommercialPropertyAdvisors Жыл бұрын
@@paratroopergirl4064 There are advantages to 4 units too; they are residential so there is 30 year fixed loan programs more easily available. But you can't force appreciation the way you can with a 5 unit.
@paratroopergirl4064
@paratroopergirl4064 Жыл бұрын
I wanted to pay cash. Advantages/disadvantages of cash? Is there a video? Does Peter instruct the protege training?
@CommercialPropertyAdvisors
@CommercialPropertyAdvisors Жыл бұрын
@@paratroopergirl4064 Leverage is far more effective in building wealth. See this video: kzfaq.info/get/bejne/ebiUqbqGvK3FoZs.html And yes, I instruct my Proteges.
@bobisthebuilder3982
@bobisthebuilder3982 6 жыл бұрын
Do you get a security deposit
@_CashFlowTy
@_CashFlowTy 5 жыл бұрын
Great video I’ve learned a lot #DebtFreeTy
@elmagnificodep
@elmagnificodep 5 жыл бұрын
Nothin’ from nothin’ leaves nothin’. You gotta have somethin’ if you want to rent from me.
@mondaeanderson8955
@mondaeanderson8955 3 жыл бұрын
best deal ever a win win lil do ppl know...
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