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DELAURO ON $4,523,659 IN HOUSING ASSISTANCE GRANT RENEWALS
New Haven, CT - December 22, 2011 - (RealEstateRama) -- Congresswoman Rosa L. DeLauro (CT-3) applauded the renewal of $4,523,659 in funding for 23 Continuum of Care Homeless Assistance programs in Connecticut’s 3rd District today. The Continuum of Ca...
California Housing Production Continues Rise in November, CBIA Announces
SACRAMENTO, CA - December 22, 2011 - (RealEstateRama) -- California housing production increased for a fourth consecutive month in November but the state is still on track to end the year with the third-lowest housing starts tally on record, the Califo...
Statement from NAHB Chairman Bob Nielsen on Debate to Extend and Pay for Payroll...
WASHINGTON, D.C. - December 22, 2011 - (RealEstateRama) -- Bob Nielsen, chairman of the National Association of Home Builders (NAHB) and a home builder from Reno, Nev., today issued the following statement on a congressional plan to pay for extending an expiring payroll tax cut by raising fees charged by Fannie Mae and Freddie Mac:
Colliers International Sells a Portfolio of Five CVS Assets in Ohio and Pennsylvania
WASHINGTON, D.C. - December 22, 2011 - (RealEstateRama) -- Colliers International, the third largest global real estate services organization, has completed a portfolio of five CVS assets totaling 52,416 square feet and $11 million in transaction values.
VOIT REAL ESTATE SERVICES’ PHOENIX OFFICE EXPANDS ITS BROKERAGE TEAM WITH THE ADDITION OF...
Phoenix, AZ - December 22, 2011 - (RealEstateRama) -- Voit Real Estate Services’ Phoenix office has announced the addition of Tom Richards to its brokerage team, according to Todd Brown, Managing Director of Voit’s Phoenix office. As an investment...
FHFA House Price Index Falls 0.2 Percent in October
Washington, DC - December 22, 2011 - (RealEstateRama) -- U.S. house prices fell 0.2 percent on a seasonally adjusted basis from September to October, according to the Federal Housing Finance Agency’s monthly House Price Index. The previously reported 0.9 percent increase in September was revised downward to reflect a 0.4 percent increase. For the 12 months ending in October, U.S. prices fell 2.8 percent. The U.S. index is 19.2 percent below its April 2007 peak and roughly the same as the February 2004 index level.
Federal Housing Finance Agency Reports Mortgage Interest Rates
Washington, DC - December 22, 2011 - (RealEstateRama) -- The Federal Housing Finance Agency (FHFA) today reported that the National Average Contract Mortgage Rate...
CUSHMAN & WAKEFIELD ARRANGES 68,000-SQUARE-FOOT LEASE EXPANSION IN METRO BALTIMORE
HANOVER, MD - December 22, 2011 - (RealEstateRama) -- Oceaneering International, Inc. has signed a 68,000-square-foot industrial lease expansion at 6090 Dorsey Road, bringing the company's presence in Hanover to 260,000 square feet. Owner Prudential Real Estate Investors was represented by Michael Elardo and Brian Kruger of the Baltimore office of Cushman & Wakefield. Oceaneering was represented in both expansions by Paul Schweitzer of Studley's Suburban Washington office.
Entire Market Benefits from DOJ Settlement with Countrywide
WASHINGTON, D.C. - December 22, 2011 - (RealEstateRama) -- Today’s Department of Justice fair lending settlement with Countrywide Financial is welcome news in a housing market still reeling from the costs of rampant predatory lending. Countrywide was the largest of the rogue mortgage lenders that caused the current crisis. Regulators’ lax lending rules and loose oversight allowed these bad practices to flourish.
For Rent Media Solutions Announces Social Media Offering Unlike Any Other in Industry
NORFOLK, VA - December 22, 2011 - (RealEstateRama) -- For Rent Media Solutions™ (FRMS), a leading resource for apartment searches nationwide and a division of Dominion Enterprises, today announced the upgrade of its Marketplace Expert social media offering to Marketplace Network 2.0, a move which reaffirms the company’s commitment to community development, building relationships and fostering resident retention.
Philadelphia Housing Authority Continues to Hire Essential Staff
Philadelphia, PA - December 21, 2011 - (RealEstateRama) -- The Philadelphia Housing Authority has filled two key positions to complete the restaffing of its Office of General Counsel with the hiring of Laurence Redican and Joffie Pittman.
Justice Department Reaches $335 Million Settlement to Resolve Allegations of Lending Discrimination by Countrywide...
WASHINGTON, D.C. - December 21, 2011 - (RealEstateRama) -- The Department of Justice today filed its largest residential fair lending settlement in history to resolve allegations that Countrywide Financial Corporation and its subsidiaries engaged in a widespread pattern or practice of discrimination against qualified African-American and Hispanic borrowers in their mortgage lending from 2004 through 2008.<
Homeowners should beware of mortgage modification scams, warns CALIFORNIA ASSOCIATION OF REALTORS®
LOS ANGELES, CA - December 21, 2011 - (RealEstateRama) -- The CALIFORNIA ASSOCIATION OF REALTORS® (C.A.R.) is distributing a public service announcement (PSA) to television and radio stations across California to warn consumers that they are at risk f...
Property Developer Charged with Exposing Employees to Asbestos During Removal Operations
ROCHESTER, NY - December 21, 2011 - (RealEstateRama) -- U.S. Attorney Anastasios “Taso” Kolokouris, 28, of Avon, N.Y., has been arrested and charged by Criminal Complaint with violating the Clean Air Act asbestos work practice standards involving a...
Mayor Lee Announces $18.9 Million in U.S. Housing and Urban Development (HUD) Grants to...
San Francisco, CA - December 21, 2011 - (RealEstateRama) --Mayor Edwin M. Lee today announced that the U.S. Housing and Urban Development (HUD) has awarded San Francisco $18.9 million in HUD’s Continuum of Care grants to fund a wide variety of progra...
CONGRESSMAN THOMPSON ANNOUNCES HUD GRANTS TO THE MISSISSIPPI SECOND CONGRESSIONAL DISTRICT
BOLTON, MS - December 21, 2011 - (RealEstateRama) -- Today, United States Representative Bennie G. Thompson (D-MS) announced The United States Department of Housing and Urban Development has awarded FY 2011 Continuum of Care Homeless Assistance awards ...
HUD AWARDS $1.5 BILLION TO MORE THAN 7,100 LOCAL HOMELESS PROGRAMS
WASHINGTON, DC - December 21, 2011 - (RealEstateRama) -- U.S. Housing and Urban Development (HUD) Secretary Shaun Donovan today awarded $1.47 billion to renew funding to more than 7,100 local homeless programs operating across the country. The funding announced today will ensure these housing and service programs remain operating in 2012 and are a critical part of the Obama Administration’s strategic plan to prevent and end homelessness.
Iowa Finance Authority awards $50,000 State Housing Trust Fund grant to assist with new...
Des Moines, IA - December 21, 2011 - (RealEstateRama) -- The Iowa Finance Authority Board of Directors recently approved a $50,000 grant to Habitat for Humanity of Marion County, Inc. to assist in the construction of an affordable home for a family in ...
The FASB Announces Public Roundtable Meeting to Solicit Input on Proposal to Improve Accounting...
Norwalk, CT - December 21, 2011 - (RealEstateRama) -- The Financial Accounting Standards Board (FASB) and the International Accounting Standards Board (IASB) have announced they will host a series of public roundtable meetings—including one in the United States—to discuss their proposals to improve and converge financial reporting by setting forth consistent criteria for determining whether an entity is an investment company. The U.S. roundtable will also include a discussion about the FASB’s proposed Accounting Standards Update, Real Estate—Investment Property Entities (Topic 973), which develops accounting guidance for entities focused on investing in real estate properties. The roundtables are designed to provide interested stakeholders the opportunity to engage in dialogue with FASB and IASB members and staff about the proposals.
Mortgage Rates Drop to Another 2011 Low in Latest MBA Weekly Survey
WASHINGTON, D.C. - December 21, 2011 - (RealEstateRama) -- Mortgage applications decreased 2.6 percent from one week earlier, according to data from the Mortgage Bankers Association’s (MBA) Weekly Mortgage Applications Survey for the week ending December 16, 2011.
U.S. National
Senate passes Sen. Carney bill to clarify protections against foreclosure
The Maine Senate voted unanimously to pass a bill from Sen. Anne Carney, D-Cape Elizabeth, to clarify protections against foreclosure in light of a decision by the Maine Supreme Judicial Court (SJC) in 2024. LD 1444, “An Act to Clarify the Application of Finch v. U.S. Bank, N.A.,” would prohibit a lender that lost a foreclosure case before 2024 due to their failure to comply with notice requirements from bringing a new foreclosure claim against the same homeowner.
The Trump Administration’s FY27 Budget Places Fair and Affordable Housing Out of Reach for...
The Trump Administration released its FY27 budget proposal. Despite the nation’s escalating fair and affordable housing crisis the Trump Administration’s FY27 budget continues to propose drastic cuts, including eliminating critical HUD programs. The release of the President’s budget proposal comes as the nation commemorates the passage of the landmark Fair Housing Act of 1968, which passed seven days after Dr. Martin Luther King, Jr.’s horrific assassination.
Kiggans Advocates for Coastal Resilience and Eastern Shore Infrastructure in Appropriations Hearing at Energy...
Rep. Jen Kiggans (VA-02) spoke before the House Appropriations Subcommittee on Energy and Water during Member Day, highlighting two important issues directly impacting Virginia’s Second District: advancing the Chincoteague Inlet feasibility study to address erosion challenges on Virginia’s Eastern Shore
MBA RIHA Report: Stabilizing Vulnerable Homeowners in a Time of Crisis: Insights from the...
Following rising unemployment rates at the onset of the COVID-19 pandemic in 2020, many homeowners avoided foreclosure,
HISTORIC HOUSING LEGISLATION MAKES PROGRESS, BUT NAREB WARNS THAT IT FAILS TO ADDRESS CORE...
While provisions in the 21st Century ROAD to Housing Act seek to improve federal housing programs, increase the supply of affordable housing, and limit private equity purchases of single-family homes, the National Association of Real Estate Brokers (NAREB) warns that the first bipartisan housing legislation in decades fundamentally fails to address the core issues critical to increasing Black homeownership.
Rep. Aguilar Delivers $1 Million for Omnitrans Zero-Emission Electric Buses and Infrastructure to Improve...
Rep. Pete Aguilar (CA-33) announced that he secured $1,000,000 in community project funding for Omnitrans’ Battery Electric Buses and Installation of Charging Infrastructure project. This funding will create jobs, make commutes smoother for residents and improve air quality in the Inland Empire
2025 HMDA Data on Mortgage Lending Now Available
The Home Mortgage Disclosure Act (HMDA) Modified Loan Application Register (LAR) data for 2025 are now available on the Federal Financial Institutions Examination Council’s (FFIEC) HMDA Platform for approximately 4,768 HMDA filers. The published data contain loan-level information filed by financial institutions and modified to protect consumer privacy.
Why AI Search Visibility Matters for Real Estate in 2026 and How Agents Can...
The way homebuyers find properties is changing faster than most agents realize. AI-powered search tools like ChatGPT, Google AI Mode, and Perplexity are now answering complex real estate questions directly, pulling information from listing platforms and presenting recommendations without the buyer ever clicking through to a website
Securing Alaska Native Rights and Supporting Water Resources
The Subcommittee on Water, Wildlife and Fisheries held a legislative hearing on bills that will ensure Alaska Natives have the right to sell ivory artwork and articles of handicraft, maintain
Housing and Insurance Subcommittee Reviews Mitigation Tactics to Reduce the Risk of Flooding
The House Financial Services Subcommittee on Housing and Insurance, led by Chairman Mike Flood (NE-01), examined how targeted mitigation investments can reduce flood damage, strengthen community preparedness, and lower long-term costs for taxpayers.
Trump Administration Keeps Colorado Coal Plant Open to Ensure Affordable, Reliable and Secure Power...
U.S. Secretary of Energy Chris Wright today issued an emergency order to keep a Colorado coal plant operational to ensure
Pressley, DeLauro, Gomez Unveil Bill to Support Families Facing Eviction
to kick off National Fair Housing Month, Congresswoman Ayanna Pressley (MA-07), along with Congresswoman Rosa DeLauro (CT-03) and Congressman Jimmy Gomez (CA-34), Founder and Co-Chair of the Congressional Renters Caucus, introduced the Housing Emergencies Lifeline Program (HELP) Act, much needed legislation to provide support to those facing eviction
National Fair Housing Alliance Convenes Elected Officials, Civil Rights Leaders, and Technologists for 3rd...
As artificial intelligence increasingly shapes access to housing, credit, insurance, employment, and economic opportunity, the National Fair Housing Alliance® (NFHA™) will convene leaders from government, civil rights, technology, financial services, and academia for its Third Annual Responsible AI Symposium
Luján, Murkowski, Schatz Reintroduce Bipartisan Legislation to Expand and Modernize Native Housing Programs
U.S. Senator Ben Ray Luján (D-N.M.), a member of the Senate Committee on Indian Affairs, U.S. Senator Lisa Murkowski (R-Alaska), Chairman of the Senate Committee on Indian Affairs, and U.S. Senator Brian Schatz (D-Hawai?i), Vice Chairman of the Senate Committee on Indian
FEMA Announces Additional $103 Million for North Carolina
Under the leadership of President Donald J. Trump and Secretary of Homeland Security Markwayne Mullin, FEMA announced more than $103 million for North Carolina recovery efforts. The additional federal funding is for over 50 Public Assistance projects
Micro Markets Lone Bright Spot for Single-Family Home Building in Fourth Quarter
In a sign of ongoing affordability challenges and a tepid housing market, single-family construction fell across all geographic regions in the second half of 2025, with the exception of low-
Ways and Means Committee Advances Larson-backed Bill to Expand Tax Relief for Early Childhood...
Rep. John B. Larson (CT-01) and every member of the House Ways and Means Committee voted to approve the SEED Act,
Habitat for Humanity launches Let’s Open the Door campaign to drive awareness of global...
A home is the foundation on which we build our lives. It leads to better health, education and well-being, more economic growth and less poverty. Yet every day, 1 in 3 people around the world
National Association of REALTORS® Announces First Phase of Governance Updates to Streamline Committees and...
The National Association of REALTORS® (NAR) today announced a set of initial governance changes designed to enhance the
MHP Receives $1M in Congressionally Directed Spending Funds for Amherst Affordable Housing Redevelopment
Nonprofit developer Montgomery Housing Partnership (MHP) announced today it was selected to receive $1 million for Amherst Affordable Housing Redevelopment through Fiscal Year 2026 Congressionally Directed Spending (CDS). The funding, secured by U.S. Senators Chris Van Hollen and Angela Alsobrooks
U.S. States
President Donald J. Trump Approves Emergency Disaster Declaration for Texas
FEMA announced federal disaster assistance has been made available to the state of Texas to supplement state and local recovery efforts in the areas affected by Hurricane Hanna from July 25, 2020, and continuing
FEMA Fire Management Assistance Granted for the Numbers Fire
The Federal Emergency Management Agency (FEMA) has authorized the use of federal funds to assist the State of Nevada in combating the Numbers Fire burning in Douglas County.
How Much Does It Cost To Start An LLC In Texas?
In the process of setting up your Texas LLC, you'll be faced with quite a few expenses. Some of these are required by legislation, and others are just recommended. We'll cover the costs of setting up an LLC in Texas and also provide you with the informatio
5 Benefits Of Using A Registered Agent In Texas
The services of a registration agent began as part of due process in the US Constitution. A lawsuit includes the legal right to be notified of claims or other legal matters. Here are some brief things that will help explain what a Registered Agent Service In Texas
Avoid TV Tip-Over Incidents During Super Bowl LIV with Safety Tips
The New York State Division of Consumer Protection (DCP) is alerting consumers about the dangers of television (TV) tip-over hazards. Millions of New Yorkers will watch the Super Bowl this Sunday either on TVs at home or at parties with friends. DCP is taking this TV-focused occasion to remind consumers of critical TV safety tips.
Brand-New Single-Tenant Starbucks Drive-Thru Trades in Fresno, Calif. for $1,345 PSF
Hanley Investment Group Real Estate Advisors, a nationally recognized real estate brokerage and advisory firm specializing in retail property sales, announced today that the firm has completed the sale of a brand-new, single-tenant Starbucks
Rosenberg family home for the holidays – and prepared for future hurricanes
A Houston-area mom is sharing her Hurricane Harvey recovery story this holiday season, along with the importance of always being prepared for flood events.
5 Cities in Florida: Which One Makes for the Best Real Estate Investment Opportunity...
Fast-growing Florida has been a favorite of real estate investors for many years. With so much interest having been focused on the state, though, investors need to take care to seek the best available opportunities.
WALTER J. MAHONEY STATE OFFICE BUILDING TO BE SOLD
Office of General Services Commissioner RoAnn Destito today announced that the Senator Walter J. Mahoney State Office Building located at 65 Court Street in Buffalo will be sold at auction in 2020. A work group formed earlier this year made up of City, County, and State officials working with professional real estate consultants CBRE, determined that in the current competitive and robust Buffalo real estate market
Charleston South Carolina expected to outpace national real estate market averages through 2025
The National Association of Realtors® (NAR) recently identified 10 markets expected to outperform over the next three to five years. In alphabetical order, the markets are
WHAT IS THE EVICTION PROCESS IN CALIFORNIA?
Eviction is a dirty word for both tenants and the landlords that believe the time has come to remove one or more parties from an apartment. The process anywhere can lead to a strained relationship at best and a bitter acrimonious fight that ends up in the judicial system.
FEMA Offers Free Rebuilding Tips at Local Home Improvement Stores
Disaster survivors affected by the severe storms and floods from Tropical Storm Imelda, can visit local home improvement stores in Katy, Houston and Spring from Monday, Dec. 9, to Saturday
Florida Tops ABC’s Annual Merit Shop Scorecard State Ranking for Second Year in a...
Associated Builders and Contractors released its 2019 Merit Shop Scorecard today, an annual ranking based on state policies and programs that encourage workforce development, career and technical education
Top 4 Places to Buy a Second Home in the US
There are about 7.4 million homes owned as a second home in the United States. For many people, their second home is a vacation home. This gives them a chance to get away and break routine while also having all of the comforts of being in their own home.
Ribbon Cutting Celebrating New Affordable Apartments in the Bronx for Low-Income Families and Domestic...
New Destiny was joined by supporters and colleagues to celebrate the opening of its newly constructed service-enriched affordable housing project - The Jennings - located in the Crotona Park East
HUD AWARDS $1.5 MILLION TO PUBLIC HOUSING AUTHORITIES TO ASSIST YOUNG PEOPLE AGING OUT...
U.S. Housing and Urban Development (HUD) Secretary Ben Carson today awarded $1.5 million to nearly a dozen housing authorities to assist young people aging out
BLM NAMES VETERAN LAND MANAGER TO LEAD CALIFORNIA STATE OFFICE
The Bureau of Land Management today announced that Karen Mouritsen has been named the new California State Director—a key leadership position based in Sacramento. As State Director, Mouritsen will direct a team that manages lands encompassing 15% of the Golden State’s total land mass
California Real Estate Developer Convicted of Making Conduit Contributions in Two U.S. Congressional Campaigns
Today, a federal jury found an Oakland-area real estate developer guilty for funneling tens of thousands of dollars through straw donors into two consecutive congressional campaigns
NYS OASAS ANNOUNCES OPENING OF NEW RECOVERY CENTER IN NEW YORK CITY
The New York State Office of Alcoholism and Substance Abuse Services (OASAS) today announced the opening of the new JLC Recovery and Wellness Center in New York City. JLC is operated by Exponents Inc. and provides free help and support services for people affected by addiction and for their families.
Robust U.S economy not a boost for black homeownership
In spite of a robust U.S. economy, a strong employment rate, and steadily increasing 401(k) plan earnings, Black homeownership rates continue to drop. Drawing from the 2019 release of the National Association of Real Estate Brokers
Popular
SIXTY PERCENT OF FIRMS WORKING ON HIGHWAY UPGRADES EXPERIENCED CARS CRASHING INTO THEIR WORK...
Annual Survey by HCSS and Associated General Contractors of America Finds Drivers and Passengers are at Greater Risk of Injury and Death in Work Zone Crashes As Officials Urge Drivers
New Home Sales Decline in May
Sales of newly built, single-family homes fell 7.8 percent to a seasonally adjusted annual rate of 626,000 units in May, according to newly released data by the U.S. Department of Housing and Urban Development and the U.S. Census Bureau.
$17+ Million in Grants Will Help States, Local Communities Keep Waters Clean, Economies Thriving
Water-loving outdoor recreationists and local communities in 27 states will have additional resources to help boaters keep America’s waters clean, thanks to more than $17 million in Clean Vessel Act program grants from the U.S. Fish and Wildlife Service.
Port Aransas ready for return of summer tourism
Texas SandFest drew a record 35,000 people April 26-28, encouraging business owners that Port Aransas is on its way to recovery. With nearly all the city’s retailers and restaurants re-opened, residents are beginning to feel like things are getting back to normal.
OJO Labs: Five Months, Eight Major Awards
OJO Labs, a leading-edge technology company on a mission to empower consumer decision-making through its conversational AI assistant, OJO, won the highly coveted 2019 A-List Award among mid-sized companies from the Austin Chamber of Commerce in partnership with SXSW
Should I Rent Out my Property on Airbnb?
Listing property on Airbnb has become a popular way to make extra money, meet new people, and provide some freedom, but there are a few key things to think about when you are considering listing your property. It is key to know what you’re getting yourself into.
The Rockefeller Foundation Launches $5.5 Million Opportunity Zone Community Capacity Building Initiative for Select...
The Rockefeller Foundation today announced an initiative to help U.S. cities attract responsible private investment in economically-distressed communities through Opportunity Zones created in the 2017 Tax Cuts and Jobs Act. This effort will help ensure new investment delivers sustainable benefits for more than 30 million low-income Americans living in Opportunity Zones
Eden Housing and City of Fremont Celebrate Grand Opening of KTGY-Designed Affordable Senior Housing...
Pauline Weaver Senior Apartments is located in the Warms Springs area of Alameda County and features 90 apartment homes for very low and extremely low-income seniors, near I-880 freeway, BART, shopping, services and other amenities.
VA’s Home Loan Guaranty program notifies Veterans of potential loan fee waivers
The U.S. Department of Veterans Affairs (VA) announced May 13 that Veterans who qualify for a VA Home Loan funding fee waiver are now being notified in their home loan eligibility certificate and disability compensation award letter.
A Stellar Idea: My Florida Regional MLS Reimagines the Multiple Listing Service
The nation's third-largest Multiple Listing Service, My Florida Regional MLS, will become Stellar MLS on June 4, 2019, in a move that totally reimagines the MLS. Currently serving 58,000 customers
NATIONAL ASSOCIATION OF HOME BUILDERS TO CO-HOST HUD INNOVATIVE HOUSING SHOWCASE
U.S. Department of Housing and Urban Development (HUD) Secretary Ben Carson today announced the National Association of Home Builders (NAHB) will co-host the Department's inaugural "Innovative Housing Showcase." The Innovative Housing Showcase will be held on the National Mall June 1-5, 2019
Department of the Interior: Yakima Water Plan Is a “Model” and “Holistic”
Yesterday, U.S. Senator Maria Cantwell (D-Wash.), ranking member of the Senate Energy and Natural Resources Committee, asked the Department of the Interior about its commitment to the Yakima River Basin during a hearing on the president’s FY 2017 budget request. Deputy Secretary of the Interior Michael Connor agreed with Sen. Cantwell that the Yakima River Basin plan “is a model for the rest of the nation in water management.”
Energy Costs to Cook Thanksgiving Meal Up to 25% Lower in 2015
“Consumers Energy is thankful to be a part of holiday celebrations across the state as warm Thanksgiving memories are being made, and we are committed to providing many more generations of Michigan families with reliable, affordable energy in all seasons,” said Garrick Rochow, Consumers Energy’s vice president and chief customer officer
Agencies Issue Final Rule to Exempt Subset of Higher-Priced Mortgage Loans from Appraisal Requirements
WASHINGTON, D.C. - December 13, 2013 - (RealEstateRama) -- Six federal financial regulatory agencies today issued a final rule that creates exemptions from certain appraisal requirements for a subset of higher-priced mortgage loans. The exemptions are intended to save borrowers time and money while still ensuring that the loans are financially sound
Department Enters into Consent Order with Equity Loans, LLC and its owners Eduardo Gutierrez...
Atlanta, Georgia - November 13, 2013 - (RealEstateRama) -- the Georgia Department of Banking and Finance (“Department”) entered into a Consent Order with Equity Loans, LLC, License Number 23300, located at 1150 Hammond Dr., Building E, Suite 650, Atlanta, Georgia 30328, to resolve allegations pertaining to violations of the Georgia Residential Mortgage Act



































