content-type: multipart/related; boundary="----=_NextPart_01C660B7.879CF510" mime-version: 1.0 This document is a Web archive file. If you are seeing this message, this means your browser or editor doesn't support Web archive files. For more information on the Web archive format, go to http://officeupdate.microsoft.com/office/webarchive.htm ------=_NextPart_01C660B7.879CF510 content-location: file:///C:/90F7A2B3/Sellers.htm content-transfer-encoding: quoted-printable content-type: text/html; charset="us-ascii" Market Outlook ------=_NextPart_01C660B7.879CF510 content-location: file:///C:/90F7A2B3/Sellers_files/v3_document.htm content-transfer-encoding: quoted-printable content-type: text/html; charset="windows-1252" Market Outlook <body> <p>This page uses frames, but your browser doesn't support them.</p> </body> ------=_NextPart_01C660B7.879CF510 content-location: file:///C:/90F7A2B3/Sellers_files/preview.wmf content-transfer-encoding: base64 content-type: image/x-wmf AQAJAAADzCkAAAEAoScAAAAABAAAAAMBCAAFAAAACwIAAAAABQAAAAwC0QLBAwkCAAD3AAADAgEA AAAAgAAAAACAAACAgAAAAACAAIAAgAAAgIAAwMDAAMDcwACmyvAABAQEAAgICAAMDAwAERERABYW FgAcHBwAIiIiACkpKQBVVVUATU1NAEJCQgA5OTkA/3yAAP9QUADWAJMAzOz/AO/WxgDn59YAramQ ADMAAABmAAAAmQAAAMwAAAAAMwAAMzMAAGYzAACZMwAAzDMAAP8zAAAAZgAAM2YAAGZmAACZZgAA zGYAAP9mAAAAmQAAM5kAAGaZAACZmQAAzJkAAP+ZAAAAzAAAM8wAAGbMAACZzAAAzMwAAP/MAABm /wAAmf8AAMz/AAAAADMAMwAzAGYAMwCZADMAzAAzAP8AMwAAMzMAMzMzAGYzMwCZMzMAzDMzAP8z MwAAZjMAM2YzAGZmMwCZZjMAzGYzAP9mMwAAmTMAM5kzAGaZMwCZmTMAzJkzAP+ZMwAAzDMAM8wz AGbMMwCZzDMAzMwzAP/MMwAz/zMAZv8zAJn/MwDM/zMA//8zAAAAZgAzAGYAZgBmAJkAZgDMAGYA /wBmAAAzZgAzM2YAZjNmAJkzZgDMM2YA/zNmAABmZgAzZmYAZmZmAJlmZgDMZmYAAJlmADOZZgBm mWYAmZlmAMyZZgD/mWYAAMxmADPMZgCZzGYAzMxmAP/MZgAA/2YAM/9mAJn/ZgDM/2YA/wDMAMwA /wAAmZkAmTOZAJkAmQDMAJkAAACZADMzmQBmAJkAzDOZAP8AmQAAZpkAM2aZAGYzmQCZZpkAzGaZ AP8zmQAzmZkAZpmZAJmZmQDMmZkA/5mZAADMmQAzzJkAZsxmAJnMmQDMzJkA/8yZAAD/mQAz/5kA ZsyZAJn/mQDM/5kA//+ZAAAAzAAzAJkAZgDMAJkAzADMAMwAADOZADMzzABmM8wAmTPMAMwzzAD/ M8wAAGbMADNmzABmZpkAmWbMAMxmzAD/ZpkAAJnMADOZzABmmcwAmZnMAMyZzAD/mcwAAMzMADPM zABmzMwAmczMAMzMzAD/zMwAAP/MADP/zABm/5kAmf/MAMz/zAD//8wAMwDMAGYA/wCZAP8AADPM ADMz/wBmM/8AmTP/AMwz/wD/M/8AAGb/ADNm/wBmZswAmWb/AMxm/wD/ZswAAJn/ADOZ/wBmmf8A mZn/AMyZ/wD/mf8AAMz/ADPM/wBmzP8Amcz/AMzM/wD/zP8AM///AGb/zACZ//8AzP//AP9mZgBm /2YA//9mAGZm/wD/Zv8AZv//AKUAIQBfX18Ad3d3AIaGhgCWlpYAy8vLALKysgDX19cA3d3dAOPj 4wDq6uoA8fHxAPj4+AD/+/AAoKCkAICAgAD/AAAAAP8AAP//AAAAAP8A/wD/AP///wAAAAAAoAIA ABsAggAEAAAANAIAAAQAAAAHAQMAoScAAEELIADMAHgAoAAAAAAA0ALAAwAAAAAoAAAAoAAAAHgA AAABAAgAAAAAAABLAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAgAAAgAAAAICAAIAAAACAAIAAgIAA AMDAwADA3MAA8MqmAAQEBAAICAgADAwMABEREQAWFhYAHBwcACIiIgApKSkAVVVVAE1NTQBCQkIA OTk5AIB8/wBQUP8AkwDWAP/szADG1u8A1ufnAJCprQAAADMAAABmAAAAmQAAAMwAADMAAAAzMwAA M2YAADOZAAAzzAAAM/8AAGYAAABmMwAAZmYAAGaZAABmzAAAZv8AAJkAAACZMwAAmWYAAJmZAACZ zAAAmf8AAMwAAADMMwAAzGYAAMyZAADMzAAAzP8AAP9mAAD/mQAA/8wAMwAAADMAMwAzAGYAMwCZ ADMAzAAzAP8AMzMAADMzMwAzM2YAMzOZADMzzAAzM/8AM2YAADNmMwAzZmYAM2aZADNmzAAzZv8A M5kAADOZMwAzmWYAM5mZADOZzAAzmf8AM8wAADPMMwAzzGYAM8yZADPMzAAzzP8AM/8zADP/ZgAz /5kAM//MADP//wBmAAAAZgAzAGYAZgBmAJkAZgDMAGYA/wBmMwAAZjMzAGYzZgBmM5kAZjPMAGYz /wBmZgAAZmYzAGZmZgBmZpkAZmbMAGaZAABmmTMAZplmAGaZmQBmmcwAZpn/AGbMAABmzDMAZsyZ AGbMzABmzP8AZv8AAGb/MwBm/5kAZv/MAMwA/wD/AMwAmZkAAJkzmQCZAJkAmQDMAJkAAACZMzMA mQBmAJkzzACZAP8AmWYAAJlmMwCZM2YAmWaZAJlmzACZM/8AmZkzAJmZZgCZmZkAmZnMAJmZ/wCZ zAAAmcwzAGbMZgCZzJkAmczMAJnM/wCZ/wAAmf8zAJnMZgCZ/5kAmf/MAJn//wDMAAAAmQAzAMwA ZgDMAJkAzADMAJkzAADMMzMAzDNmAMwzmQDMM8wAzDP/AMxmAADMZjMAmWZmAMxmmQDMZswAmWb/ AMyZAADMmTMAzJlmAMyZmQDMmcwAzJn/AMzMAADMzDMAzMxmAMzMmQDMzMwAzMz/AMz/AADM/zMA mf9mAMz/mQDM/8wAzP//AMwAMwD/AGYA/wCZAMwzAAD/MzMA/zNmAP8zmQD/M8wA/zP/AP9mAAD/ ZjMAzGZmAP9mmQD/ZswAzGb/AP+ZAAD/mTMA/5lmAP+ZmQD/mcwA/5n/AP/MAAD/zDMA/8xmAP/M mQD/zMwA/8z/AP//MwDM/2YA//+ZAP//zABmZv8AZv9mAGb//wD/ZmYA/2b/AP//ZgAhAKUAX19f AHd3dwCGhoYAlpaWAMvLywCysrIA19fXAN3d3QDj4+MA6urqAPHx8QD4+PgA8Pv/AKSgoACAgIAA AAD/AAD/AAAA//8A/wAAAP8A/wD//wAA////AKyyrNOs06zTrLKs06zTrNOssqzTrNOs06yyrNOs 06zTrLKs06zTrNOssqzTrNOs06yyrNOs06zTrLKs06zTrLKssqzTrNOs06yyrNOs06zTirKs06zT rNOsrKzTitOs06yyrNOs06zTrLKs06zTrNOssqzTrNOs06yyrNOs06zTrLKs06zTrNOssqzTrNOs 06yyrNOs06zTrLKs06zTrNPTrNOy06zTstOs07LTrNOy06zTstOs07LTrNOy06zTstOs07LTrNOy 06zTstOs07LTrNOy06zTstOs07LTrNOy06zTrLKs07LTrNOs06zTstOssrLTrNOy06yystOs07LT rNOy06zTstOs07LTrNOy06zTstOs07LTrNOy06zTstOs07LTrNOy06zTstOs07LTrNOy06zTstOs 07LTrNOyrNOs06zTrNOs06zTrNOs06zTrNOs06zTrNOs06zTrNOs06zTrNOs06zTrNOs06zTrNOs 06zTrNOs06zTrNOs06yyrLKs06zTrNOs06yyrNOs06zTrNOs06zTrNOssqzTrNOs06zTrNOs06zT rLKsrKzTrNOs06zTrNOs06zTrNOs06zTrNOs06zTrNOs06zTrNOs06zTrNOs06zTrNOs09Oy06zT stOy07LTrNOy07LTstOs07LTstOy06zTstOy07LTrNOy07LTstOs07LTstOy06zTstOy07LTrNOy 07LTstOs07LTrNOy06zTsrKs07LTrNOs07LTstOs07LTstOy06zTstOs07KyrNOssqzTstOs07LT stOy06zTstOy07LTrNOy07LTstOs07LTstOy06zTstOy07LTrNOy07KssqzTrLKs06yyrNOssqzT rLKs06yyrNOssqzTrLKs06yyrNOssqzTrLKs06yyrNOs06zTrLKs06yyrNOssqyyrLKs06yyrLKs sqzTrLKs06yyrKysrKzTrLKssqyyrNOssqzTrLKssqyyrNOssqzTrLKssqyyrNOssqzTrLKs06yy rNOssqzTrLKssqyyrNOssqzTrLKs06yyrNOssqzT06zTstOs07LTrNOy06zTstOs07LTrNOy06zT stOs07LTrNOy06zTstOs07LTrNOy06zTstOs07LTrNOy06zTrNOs07KyrNOssqzTrNOs06zTrNOy 06zTstOs06zTrNOy06zTstOs07LTrNOssqzTrLKs07LTrNOy06zTstOs07LTrNOy06zTstOs07LT rNOy06zTstOs07LTrNOy06zTsqzTrNOs06yyrNOs06zTrLKs06zTrNOssqzTrNOs06yyrNOs06zT rLKs06zTrNOssqzTrNOs06yyrNOs06zTrKyssqyyrNOssqzTrLKssqyyrNOs06zTrLKs06yyrNOs sqzTrKys06yyrLKs06zTrNOs06zTrNOssqzTrNOs06yyrNOs06zTrLKs06zTrNOssqzTrNOs06yy rNOs06zTrLLTstOs07LTrNOy06zTstOs07LTrNOy06zTstOs07LTrNOy06zTstOs07LTrNOy06zT stOs07LTrNOy06zTstOssrKyrNOssqyyrLKssrLTrNOy06zTstOs07LTrNOy06zTsrKs07LTrNOy 06zTstOs07LTrNOy06zTstOy07LTrNOy06zTstOs07LTrNOy06zTstOs07LTrNOy06zTstOsrLKs 06yyrNOssqzTrLKs06yyrNOssqzTrLKs06yyrNOssqzTrLKs06yyrNOssqzTrLKs06yyrNOssqzT rLKs06ysrNOsrKyyrLKssqyyrNOssqzTrLKs06yyrNOsrKzTrLKssqyyrNOssqzTrLKssqyyrLKs sqzTrLKs06yyrNOssqzTrLKs06yyrNOssqzTrLKs06yyrNOssqzTrLKs09Os06zTrNOy06zTrNOs 07LTrNOs06zTstOs06zTrNOy06zTrNOs07LTrNOs06zTstOs06zTrNOy06zTrNOs07LTrLKssqzT stOs06yyrNOy06zTrNOs07LTrNOs06zTstOs06zTrNOy06zTrNOs06zTrNOssqzTstOs06zTstOy 06zTstOs07LTrNOs06zTstOs06zTrNOy06zTrNOs07Ks06yyrNOssqzTrLKs06yyrNOssqzTrLKs 06yyrNOssqzTrLKs06yyrNOssqzTrLKs06yyrNOssqzTrLKs06zTrNOssqzTrKys06yyrNOssqzT rLKs06yyrNOssqzTrLKs06ysrNOssqzTrLKs06zTrNOssqzTrNOs06yyrNOssqzTrLKs06yyrNOs sqzTrLKs06zTrNOssqzTrLKs06yy07LTrNOy06zTstOs07LTrNOy06zTstOs07LTrNOy06zTstOs 07LTrNOy06zTstOs07LTrNOy07LTstOs07LTrNOy06zTstOs07LTrNOy06zTrNOs07LTrNOy06zT stOs07LTrNOy06zTrNOs07LTrNOssqzTstOs07LTstOy06zTstOs07LTrNOy06zTstOy07LTrNOy 06zTstOs07LTrKyyrLKssqyyrLKssqyyrLKssqyyrLKssqyyrLKssqyyrLKssqyyrLKssqyyrLKs sqyyrLKssqyyrLKssqyyrLKssqyyrLKs06yyrLKssqyyrLKssqyyrNOssqyyrLKssqyyrNOssqyy rLKssqysrLKsrKzTrLKssqyyrLKssqyyrLKssqyyrLKssqyyrLKssqyyrLKssqyyrLKssqyyrLLT rNOs06zTrNOs06zTrNOs06zTrNOs06zTrNOs06zTrNOs06zTrNOs06zTrNOs06zTrNOs06zTrNOs 06zTrNOs06zTrLKs06zTrNOs06zTrNOs06zTrNOs06zTrNOs06zTrNOs06zTrNOs06zTrNOs06zT stOs06zTstOs06zTrNOs07LTrNOy06zTstOs06zTrNOs06zTrNOs06zTrNOsrLKssqyyrLKssqyy rLKssqyyrLKssqyyrLKssqyyrLKssqyyrLKssqyyrLKssqyyrLKssqyyrNOssqzTrLKssqyyrLKs sqyyrLKssqyyrLKssqyyrLKssqyyrLKssqyyrLKssqzTrLKssqyyrLKssqyyrLKs06yyrNOssqyy rNOs06yyrNOssqzTrNOssqyyrNOssqzTrLKssqyyrLKsstOy06zTrNOs07LTrNOs06zTstOs06zT rNOy06zTrNOs07LTrNOs06zTstOs06zTrNOy06zTrNOs07LTrNOy06zTstOs06zTrNOy06zTrNOs 07LTrNOs06zTstOs06zTrNOy06zTrNOs07KyrNOs06zTstOs07LTrNOy06zTrNOy07LTrNOy06zT stOy06zTrNOy06zTstOs07LTrNOs06yssqyyrLKssqyyrLKssqyyrLKssqyyrLKssqyyrLKssqyy rLKssqyyrLKssqyyrLKssqyyrLKssqyyrNOssqyyrLKssqyyrLKssqyyrLKs06yyrLKssqyyrLKs sqyyrLKssqyyrLKssqyyrLKssqyyrLKs06zTrLKssqyyrLKssqyyrNOssqzTrLKs06yyrLKssqyy rNOs06yyrLKssqyysqzTrLKs06yyrNOssqzTrLKs06yyrNOssqzTrLKs06yyrNOssqzTrLKs06yy rNOssqzTrLKs06yyrNOssqzTrLKs06yyrNOy06zTrLKs06yyrNOssqzTrLKs06yyrNOssqzTrLKs 06yyrNOssqzTrLKs07KystOssqzTrNOs06zTrNOysqzTstOs07KyrNOssqzTrLKy07KyrNOssqzT rKyyrLKssqyyrLKssqyyrLKssqyyrLKssqyyrLKssqyyrLKssqyyrLKssqyyrLKssqyyrLKssqyy rLKssqyyrLKs06yyrLKssqyyrLKs06yyrLKssqyyrLKssqyyrLKssqyyrLKssqyyrLKssqyyrLKs sqyyrLKssqyyrLKs06yyrLKs06zTrNOs06yyrNOssqyyrLKssqzTrLKssqyyrLLTrLKs06yyrNOs sqzTrLKs06yyrNOssqzTrLKs06yyrNOssqzTrLKs06yyrNOssqzTrLKs06yyrNOssqzTrLKs06yy rNOssqzTrLKs06yyrNOssqzTrLKs06yyrNOssqzTrLKs06yyrNOssqzTrLKs06yyrNOs06zTrLKs 06zTrNOssqzTstOs06yyrNOssrLTrLKy06yyrNOssqzTrLKsrKyssqysrLKsrKyyrKyssqysrLKs rKyyrKyssqysrLKsrKyyrKyssqysrLKsrKyyrKyssqysrLKsrKyyrKyssqysrLKsrKyyrKyssqys rLKsrKyyrKyssqysrLKsrKyyrKyssqysrLKsrKyyrKyssqysrLKsrKzTrKyssqyyrLKs06yyrKys sqzTrLKssqyyrKys06yyrLKsrKyyrKyssrKssqyyrLKssqyyrLKssqyyrLKssqyyrLKssqyyrLKs sqyyrLKssqyyrLKssqyyrLKssqyyrLKssqyyrLKssqyyrLKssqyyrLKssqyyrLKssqyyrLL/sqyy rLKssqyyrLKssqyyrLKssqyyrLKssqyyrLKssqz/rNOysqyyrLKy/6yyrLKssqyyrLKy06yyrLKy 06zTrLKssqyyrLKssqyssqysrLKsrKyyrKyssqysrLKsrP+yrP//////////rP//////////rLKs ////rP//sqz//7L/rP///////6ys//////////////+srP///6z/rP////////+s/6z///+s//+s //+s/6z//6yssv///7Ks//+y//////+srLL//6yyrP+s////////rKyyrKyssqzTrLKsrKyyrKys sqyssqyyrLKssqyyrLKssqyyrLKssqz//7L/////rP////////////////+ssv///7L///+y//+s /6z///+s//+yrP+ssv///7L//////7L/sqyy////////////sv+y////sv//rP//sv//rP//sqz/ ////sv//rP//////sv+ysv+yrLKs/////////6yystOssqyyrLKssqyyrLKssqyyrIqsrKyKrKys iqysrIqsrKyKrKys//+srIqsrKyKrKys/6ys//+srKyKrKz/iqys//+srKyKrP+siqz/rIqsrKz/ //+siqys/4qsrKyK//+siv+srIqsrP+KrKysiqys/4qs/6yK/6z//6z//4qsrKyKrKys/6ysrIr/ /6yKrP//rLKs///////////TiqysrIqsrKyKrKysiqysrIqsrKyyrLKssqyyrLKssqyyrLKssqyy rLKssqyyrLKssqyyrLKssqyyrLKssqyyrLKssqyyrLKssqyyrLKssqyyrLKssqyyrLKssqyyrLKs sqyyrLKssqyyrLKssqyyrLKssqyyrLKssqyyrLKssqyyrLKssqyyrLKssqyyrLKssrKyrLKssqyy rLKssqyyrNSssqyyrLKssqyyrLKssqyyrLKsrKyKrKyyiqysrIqsrLKKrKysiqyssoqsrKyKrKyy iqysrIqsrLKKrKysiqyssoqsrKyKrKyyiqysrIqsrLKKrKysiqyssoqsrKyKrKyyiqysrIqsrLKK rKysiqyssoqsrKyKrKyyiqysrIqsrLKKrKysiqyssoqsrKyKrKyyiqysrIqsrNSs06ysiqyssoqs rKyKrKyyiqysrIqsrLKKrLKssqyyrLKssqyyrLKssqyyrLKssqyyrLKssqyyrLKssqyyrLKssqyy rLKssqyyrLKssqyyrLKssqyyrLKssqyyrLKssqyyrLKssqyyrLKssqyyrLKssqyyrLKssqyyrLKs sqyyrLKssqyyrLKssqyyrLKssqyyrLKssqyyrLKssqyyrLKssqyyrLKssqyyrLKssqyyrLKssqyy rLKssqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqs iqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyK rIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqssqyyrLKK sqyyrLKssoqyrLKssqyyirKssqyyrLKKsqyyrLKssoqyrLKssqyyirKssqyyrLKKsqyyrLKssoqy rLKssqyyirKssqyyrLKKsqyyrLKssoqyrLKssqyyirKssqyyrLKKsqyyrLKssoqyrLKssqyyirKs sqyyrLKKsqyyrLKssoqyrLKssqyyirKssqyyrLKKsoqsirKssoqyrIqsiqyKrIqsiqyKrIqsiqyK rIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqs iqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyK rIqsiqyKrIqsiqyKrIqsirKsrIqsiqyKrKysiqyyrLKssqyyirKssqyyrLKKsqyyrLKssoqyrLKs sqyyirKssqyyrLKKsqyyrLKssoqyrLKssqyyirKssqyyrLKKsqyyrLKssoqyrLKssqyyirKssqyy rLKKsqyyrLKssoqyrLKssqyyirKssqyyrLKKsqyyrLKssoqyrLKssqyyirKssqyyrLKKsqyyrLKs soqyrLKssqzTitOK06yyrLKKiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyK rIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqs iqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKsqysrLKK rKysiqyKrKyKsoqsirKsrIqyiqyKsqysirKKrIqyrKyKsoqsirKsrIqyiqyKsqysirKKrIqyrKyK soqsirKsrIqyiqyKsqysirKKrIqyrKyKsoqsirKsrIqyiqyKsqysirKKrIqyrKyKsoqsirKsrIqy iqyKsqysirKKrIqyrKyKsoqsirKsrIqyiqyKsqysirKKrIqyrKyKsoqsirKyrKysiqyKsqyKrIqs iqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyK rIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqs iqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqysrIqsiqyKrIqssoqsirKsrIqyiqyKsqys irKKrIqyrKyKsoqsirKsrIqyiqyKsqysirKKrIqyrKyKsoqsirKsrIqyiqyKsqysirKKrIqyrKyK soqsirKsrIqyiqyKsqysirKKrIqyrKyKsoqsirKsrIqyiqyKsqysirKKrIqyrKyKsoqsirKsrIqy iqyKsqysirKKrIqyrKyKsoqsirKsrIqyiqyKsqysioqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqs iqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyK rIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqs iqyKrIqsiqyKrIqsiqyKrIqsiqysirKKrIqsiqyKsoqsiqyKrIqyiqyKrIqsirKKrIqsiqyKsoqs iqyKrIqyigAAAACsAAAArIoAAAAAAAAAiqyKAAAAAAAAAAAAAAAAAAAAAAAAAAAAAACKAACyigAA AAAAigAAAAAAAAAAsgAAAAAAAAAAAAAAAAAAigAArIoAAKyKsoqsiqyKrIqyiqyKrIqsirKKrIqs iqyKsoqsiqyKiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiv////8A ////AAD/////////AACK//////////////////////////////8A//8Aiv//////AP////////// AP//////////////////AP//AIr//wCKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrLKK rIqyiqyKsoqsirKKrIqyiqyKsoqsirKKrIqyiqyKsoqsirKKAAAAAKz/////ALKK//8Aiv////// //8ArP//AAD/////AP//AAD//////wAA////////AKz/////////////AAAA//////////////8A AP///////wCy//8AsoqsirKKrIqyiqyKsoqsirKKrIqyiqyKsoqsirKKrIqKioqsioqKrIqKiqyK ioqsioqKrIqKiqyKioqsioqKrIqKiqyK/////4qK/////wCK////ior///+K////ioqs//////// /////////////////////////wCK//8A//////////////////8A//////////////////8Aiv// AACKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyK rIqsiqyKrIqsiqyKrIqsiqyKrIr///+K//8AiqyKrIqsiqyKrIqsiv///wAAiqyKrIqsiv////8A AKyKrIqs//+KrIr//6yKrIqsiqyKrIqsiv//rIqsiqyKrIqsiqyKrP//iqyK//+siqyKrIqsiqyK rIqsiqyKrIqsiqyKrIqsiqyKrIqsioqsioqKrIqsiqyKioqsiqyKrIqKiqyKrIqsioqKrIqsiqyK ioqsiqyKrIqKiqyKrP//ioqKrIqsiqyKioqsiqyKrP//iqyKrIqsioqK/////6yKioqsiqyKrIqK iqyKrIqsioqKrIqsiqyKioqsiqyKrIqKiqyKrIqsioqKrIqsiqyKioqsiqyKrIqKiqyKrIqsioqK rIqsiqyKioqsiqysiqyKsoqsiqyKrIqyiqyKrIqsirKKrIqsiqyKsoqsiqyKrIqyiqyKrIqsirKK rIqsiqyKsoqsiqyKrIqyiqyKrIqsirKKrIqsiqyKsoqsiqyKrIqyiqyKrIqsirKKrIqsiqyKsoqs iqyKrIqyiqyKrIqsirKKrIqsiqyKsoqsiqyKrIqyiqyKrIqsirKKrIqsiqyKsoqsiqyKrIqyiqyK ioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyK ioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqK iqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrKyKrIqsiqyKrIqs iqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyK rIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqs iqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqKrIqsiqyKioqsiqyKrIqKiqyKrIqs ioqKrIqsiqyKioqsiqyKrIqKiqyKrIqsioqKrIqsiqyKioqsiqyKrIqKiqyKrIqsioqKrIqsiqyK ioqsiqyKrIqKiqyKrIqsioqKrIqsAACKioqsiqyKrIqKiqyKrIqsioqKrIqsiqyKioqsiqyKrIqK iqyKrIqsioqKrIqsiqyKioqsiqyKrIqKsoqsiqyKrIqyiqyKrIqsirKKrIqsiqyKsoqsiqyKrIqy iqyKrIqsirKKrIqsiqwAAIqsigAAAAAAAACKAAAAALKKAAAAAAAAAAAAAAAArIoAAAAArIoAAAAA AAAAAAAAAACs//8AAAAAAAAAAIqsAAAAAIqsiqyKsoqsiqyKrIqyiqyKrIqsirKKrIqsiqyKsoqs iqyKrIqyiqyKrIqsioqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqs ior//wAAAP////////8A/////6yK////////////////AAD/////AIr///////////////8A//// /////////4qK/////4qsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqK iqysiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrP////////// AP//////AAAAAP////////////////8Aiv///wCs//8A//////8AAAD/////////////AAAAAKyK rIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKiqyKioqsiqyK rIqKiqyKrIqsioqKrIqsiqyKioqsiqyKrIqKiqyKrIqsioqKrIr///////8A/////////////4r/ /wD///////+K////iqz///+Kiv//AP///////////////////////////6yKrIqsioqKrIqsiqyK ioqsiqyKrIqKiqyKrIqsioqKrIqsiqyKioqsiqyKrIqKiqyKrKyKrIqyiqyKrIqsirKKrIqsiqyK soqsiqyKrIqyiqyKrIqsirKKrIqsiqyKsoqs////rP//iqyKrIqsirKKrIqs/////wAAiqyKrIqy iqyKrIqsirKK//+siv///wAAiqyK//+yiqz//wAAirKKrIqsiqyKsoqsiqyKrIqyiqyKrIqsirKK rIqsiqyKsoqsiqyKrIqyiqyKrIqsirKKrIqKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqK rIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrP//iqyKioqsioqKrIqKiqyKioqs iv//rP//iqyKioqsioqKrP//iqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyK ioqsioqKrIqKiqyKioqsrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyK rIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqs iqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyK rIqsioqsiqyKrIqKiqyKrIqsioqKrIqsiqyKioqsiqyKrIqKiqyKrIqsioqKrIqsiqyKioqsiqyK rIqKiqyKrIqsioqKrIqsiqyKioqsiqyKrIqKiqyKrIqsioqKrIqsiqyKioqsiqyKrIqKiqyKrIqs ioqKrIqsiqyKioqsiqyKrIqKiqyKrIqsioqKrIqsiqyKioqsiqyKrIqKiqyKrIqsioqyiqyKrIqs irKKrIqsiqyKsoqsiqyKrIqyiqyKrIqsirKKrIqsiqyKsoqsiqyKrIqyiqyKrIqsirKKrIqsiqyK soqsiqyKrIqyiqyKrIqsirKKrIqsiqyKsoqsiqyKrIqyiqyKrIqsirKKrIqsiqyKsoqsiqyKrIqy iqyKrIqsirKKrIqsiqyKsoqsiqyKrIqyiqyKrIqsirKKrIqsiqyKioqKrIqKiqyKioqsioqKrIqK iqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqK rIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKAACsioqKrIqKiqyKioqsioqKrIqKiqyKioqs ioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrKyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqs iqyKrIqsiqyKrIqsiqyKrIqsiqwAAIqsigAAAAAAAACKAAAAAKyKAAAAAAAAAAAAAAAArIoAAAAA rIoAAAAAAAAAAAAArAAAAAAA//8AAKwAAAAAiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqs iqyKrIqsiqyKrIqsiqyKrIqKrIqKiqyKrIqsioqKrIqsiqyKioqsiqyKrIqKiqyKrIqsioqKrIqs iqyKioqsiqz//wAAAP////////8A/////6yK////////////////AAD/////AIr///////////// AP//////AAD//wD/////iqyKioqsiqyKrIqKiqyKrIqsioqKrIqsiqyKioqsiqyKrIqKiqyKrIqs ioqKrIqsrIqsirKKrIqsiqyKsoqsiqyKrIqyiqyKrIqsirKKrIqsiqyKsoqsiqyKrIqyiqyKrP// ////////AP//////AAAAAP////////////////8Aiv///wCs//8A/////wD//wD///////8A//// AACsiqyKrIqyiqyKrIqsirKKrIqsiqyKsoqsiqyKrIqyiqyKrIqsirKKrIqsiqyKsoqsioqKiqyK ioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIr///////8A//////// /////4r//wD///////+K////ior///+Kiv//AP///////////////4r///////+KiqyKioqsioqK rIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqysiqyKrIqsiqyKrIqsiqyK rIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqs////rP//iqyKrIqsiqyKrIqs/////wAA iqyKrIqsiqyKrIqsiqyK//+siqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyK rIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKiqyKrIqsioqKrIqsiqyKioqsiqyKrIqKiqyK rIqsioqKrIqsiqyKioqsiqyKrIqKiqyKrIqsioqKrIqsiqyKioqsiqyKrP//iqyKrIqsioqKrIqs iqyKioqsiqyKrIqKiqyKrIqsioqKrIqsiqyKioqsiqyKrIqKiqyKrIqsioqKrIqsiqyKioqsiqyK rIqKiqyKrIqsioqKrIqsiqyKirKKrIqsiqyKsoqsiqyKrIqyiqyKrIqsirKKrIqsiqyKsoqsiqyK rIqyiqyKrIqsirKKrIqsiqyKsoqsiqyKrIqyiqyKrIqsirKKrIqsiqyKsoqsiqyKrIqyiqyKrIqs irKKrIqsiqyKsoqsiqyKrIqyiqyKrIqsirKKrIqsiqyKsoqsiqyKrIqyiqyKrIqsirKKrIqsiqyK soqsiqyKrIqKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyK ioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqK iqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsrIqs iqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyK rIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqs iqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsioqsioqKrIqsiqyKioqs iqyKrIqKiqyKrIqsioqKrIqsiqyKioqsiqyKrIqKiqyKrIqsioqKrIqsiqyKioqsiqyKrIqKiqyK rIqsioqKrIqsiqyKioqsiqyKrIqKiqyKrIqsioqKrIqsiqyKioqsiqyKrIqKiqyKrIqsioqKrIqs iqyKioqsiqyKrIqKiqyKrIqsioqKrIqsiqyKioqsiqysiqyKsoqsiqyKrIqyiqyKrIqsirKKrIqs iqyKsoqsiqyKrIqyiqyKrIqsirKKrIqsiqyKsoqsiqyKrIqyiqyKrIqsirKKrIqsiqyKsoqsiqyK rIqyiqyKrIqsirKKrIqsiqyKsoqsiqyKrIqyiqyKrIqsirKKrIqsiqyKsoqsiqyKrIqyiqyKrIqs irKKrIqsiqyKsoqsiqyKrIqyiqyKioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqs ioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyK ioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqK iqyKioqsioqKrKyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqs iqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyK rIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqK rIqsiqyKioqsiqyKrIqKiqyKrIqsioqKrIqsiqyKioqsiqyKrIqKiqyKrIqsioqKrIqsiqyKioqs iqyKrIqKiqyKrIqsioqKrIqsiqyKioqsiqyKrIqKiqyKrIqsioqKrIqsiqyKioqsiqyKrIqKiqyK rIqsioqKrIqsiqyKioqsiqyKrIqKiqyKrIqsioqKrIqsiqyKioqsiqyKrIqKsoqsiqyKrIqyiqyK rIqsirKKrIqsiqyKsoqsiqyKrIqyiqyKrIqsirKKrIqsiqyKsoqsiqyKrIqyiqyKrIqsirKKrIqs iqyKsoqsiqyKrIqyiqyKrIqsirKKrIqsiqyKsoqsiqyKrIqyiqyKrIqsirKKrIqsiqyKsoqsiqyK rIqyiqyKrIqsirKKrIqsiqyKsoqsiqyKrIqyiqyKrIqsioqKiqyKioqsioqKrIqKiqyKioqsioqK rIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqs ioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyK ioqsioqKrIqKiqyKioqsioqKrIqKiqysiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyK rIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqs iqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyK rIqsiqyKrIqsiqyKiqyKioqsiqyKrIqKiqyKrIqsioqKrIqsiqyKioqsiqyKrIqKiqyKrIqsioqK rIqsiqyKioqsiqyKrIqKiqyKrIqsioqKrIqsiqyKioqsiqyKrIqKiqyKrIqsioqKrIqsiqyKioqs iqyKrIqKiqyKrIqsioqKrIqsiqyKioqsiqyKrIqKiqyKrIqsioqKrIqsiqyKioqsiqyKrIqKiqyK rKyKrIqyiqyKrIqsirKKrIqsiqyKsoqsiqyKrIqyiqyKrIqsirKKrIqsiqyKsoqsiqyKrIqyiqyK rIqsirKKrIqsiqyKsoqsiqyKrIqyiqyKrIqsirKKrIqsiqyKsoqsiqyKrIqyiqyKrIqsirKKrIqs iqyKsoqsiqyKrIqyiqyKrIqsirKKrIqsiqyKsoqsiqyKrIqyiqyKrIqsirKKrIqKioqsioqKrIqK iqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqK rIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqs ioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsrIqsiqyKrIqsiqyKrIqsiqyKrIqs iqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyK rIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqs iqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsioqsiqyKrIqKiqyKrIqsioqKrIqsiqyKioqsiqyKrIqK iqyKrIqsioqKrIqsiqyKioqsiqyKrIqKiqyKrIqsioqKrIqsiqyKioqsiqyKrIqKiqyKrIqsioqK rIqsiqyKioqsiqyKrIqKiqyKrIqsioqKrIqsiqyKioqsiqyKrIqKiqyKrIqsioqKrIqsiqyKioqs iqyKrIqKiqyKrIqsioqyiqyKrIqsirKKrIqsiqyKsoqsiqyKrIqyiqyKrIqsirKKrIqsiqyKsoqs iqyKrIqyiqyKrIqsirKKrIqsiqyKsoqsiqyKrIqyiqyKrIqsirKKrIqsiqyKsoqsiqyKrIqyiqyK rIqsirKKrIqsiqyKsoqsiqyKrIqyiqyKrIqsirKKrIqsiqyKsoqsiqyKrIqyiqyKrIqsirKKrIqs iqyKioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqK iqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqK rIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrKyKrIqsiqyK rIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrAAAAAAAAIoAAAAArAAA AKwAAIoAAACKrIqsiqyKAAAAAKyKAAAAAKwAAIqsiqwArIoAAACKrAAAAKwAAIoAiqyKrIqsiqyK rIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqKrIqKiqyKrIqsioqKrIqsiqyK ioqsiqyKrIqKiqyKrIqsioqKrIqsiqyKioqsiqyKrBkZGRkZGQAZGRkZrBkZGawZGYoZGRmKrIqK iqyKGRkZGQCKGRkZGawZGYoAiqwZrIoZGRmKABkZGYoZGYoZiqyKioqsiqyKrIqKiqyKrIqsioqK rIqsiqyKioqsiqyKrIqKiqyKrIqsioqKrIqsrIqsirKKrIqsiqyKsoqsiqyKrIqyiqyKrIqsirKK rIqsiqyKsoqsiqyKrIqyiqyKrIqsGQCKrBkZigAZAIqsGQAZrIoZAAAAAIqsirKKGYqsihkAGYoA GQCKrIoZiqwZAIoZALKKGQCsGQCKGQCsiqyKrIqyiqyKrIqsirKKrIqsiqyKsoqsiqyKrIqyiqyK rIqsirKKrIqsiqyKsoqsioqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyK ioqsioqKrIqKihkAioqsihkZGQCKihkZigCsGRkZGQCKiqyKGQCsihkZGYoZGRkAiooZioqKGQCK GQCKihkAihkAABkAiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqK rIqKiqysiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqwZ AIqsiqyKABmsiqwZABkAABmKABmsiqyKrBkAiqyKrIqsigAZrIoZigAArBkAABmKAAAZiqwZGYoZ AKyKAIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKiqyKrIqs ioqKrIqsiqyKioqsiqyKrIqKiqyKrIqsioqKrIqsiqyKioqsiqyKrIqKiqyKGQCsioqKGRmsiqyK GQAZGRmKGRmKiqyKrIoZAIqKrIqsihkZioqsihkZrBkZGayKGRkZiooZGYoZGayKGYqsiqyKrIqK iqyKrIqsioqKrIqsiqyKioqsiqyKrIqKiqyKrIqsioqKrIqsiqyKirKKrIqsiqyKsoqsiqyKrIqy iqyKrIqsirKKrIqsiqyKsoqsiqyKrIqyiqyKrIqsirKKrBkAiqyKsoqsiqyKrBkAiqyKrIqsirKK rIqsGawAsoqsAKyKrIqyiqyKrIqsGQCKrIqsiqyKsoqsiqyKrIqyiqyKrIqsirKKrIqsiqyKsoqs iqyKrIqyiqyKrIqsirKKrIqsiqyKsoqsiqyKrIqKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqs ioqKrIqKiqyKioqsioqKrIqKiqyKiooZAACKrIqKiqyKihkZAIqKrIqKiqyKioqsiooZrAAAGQCK ioqsioqKrIqKihmKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqK iqyKioqsioqKrIqKiqyKioqsrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqs iqyKrIqsiqyKrIoZGRmKrIqsiqyKrIqsGayKrIqsiqyKrIqsiqyKrBkZGRmKrIqsiqyKrIqsiqyK rIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqs iqyKrIqsioqsioqKrIqsiqyKioqsiqyKrIqKiqyKrIqsioqKrIqsiqyKioqsiqyKrIqKiqyKrIqs ioqKrIqsiqyKioqsiqyKrIqKiqyKrIqsioqKrIqsiqyKioqsiqyKrIqKiqyKrIqsioqKrIqsiqyK ioqsiqyKrIqKiqyKrIqsioqKrIqsiqyKioqsiqyKrIqKiqyKrIqsioqKrIqsiqyKioqsiqysiqyK soqsiqyKrIqyiqyKrIqsirKKrIqsiqyKsoqsiqyKrIqyiqyKrIqsirKKrIqsiqyKsoqsiqyKrIqy iqyKrIqsirKKrIqsiqyKsoqsiqyKrIqyiqyKrIqsirKKrIqsiqyKsoqsiqyKrIqyiqyKrIqsirKK rIqsiqyKsoqsiqyKrIqyiqyKrIqsirKKrIqsiqyKsoqsiqyKrIqyiqyKioqKrIqKiqyKioqsioqK rIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqs ioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyK ioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrKyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyK rIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqs iqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyK rIqsiqyKrIqsiqyKrIqsiqyKrIqKrIqsiqyKioqsiqyKrIqKiqyKrIqsioqKrIqsiqyKioqsiqyK rIqKiqyKrIqsioqKrIqsiqyKioqsiqyKrIqKiqyKrIqsioqKrIqsiqyKioqsiqyKrIqKiqyKrIqs ioqKrIqsiqyKioqsiqyKrIqKiqyKrIqsioqKrIqsiqyKioqsiqyKrIqKiqyKrIqsioqKrIqsiqyK ioqsiqyKrIqKsoqsiqyKrIqyiqyKrIqsirKKrIqsiqyKsoqsiqyKrIqyiqyKrIqsirKKrIqsiqyK soqsiqyKrIqyiqyKrIqsirKKrIqsiqyKsoqsiqyKrIqyiqyKrIqsirKKrIqsiqyKsoqsiqyKrIqy iqyKrIqsirKKrIqsiqyKsoqsiqyKrIqyiqyKrIqsirKKrIqsiqyKsoqsiqyKrIqyiqyKrIqsioqK iqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqK rIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqs ioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqysiqyKrIqsiqyKrIqs iqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyK rIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqs iqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKiqyKioqsiqyKrIqKiqyKrIqsioqKrIqs iqyKioqsiqyKrIqKiqyKrIqsioqKrIqsiqyKioqsiqyKrIqKiqyKrIqsioqKrIqsiqyKioqsiqyK rIqKiqyKrIqsioqKrIqsiqyKioqsiqyKrIqKiqyKrIqsioqKrIqsiqyKioqsiqyKrIqKiqyKrIqs ioqKrIqsiqyKioqsiqyKrIqKiqyKrKyKrIqyiqyKrIqsirKKrIqsiqyKsoqsiqyKrIqyiqyKrIqs irKKrIqsiqyKsoqsiqyKrIqyiqyKrIqsirKKrIqsiqyKsoqsiqyKrIqyiqyKrIqsirKKrIqsiqyK soqsiqyKrIqyiqyKrIqsirKKrIqsiqyKsoqsiqyKrIqyiqyKrIqsirKKrIqsiqyKsoqsiqyKrIqy iqyKrIqsirKKrIqKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqK iqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqK rIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqs rIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqs iqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyK rIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsioqsiqyKrIqKiqyK rIqsioqKrIqsiqyKioqsiqyKrIqKiqyKrIqsioqKrIqsiqyKioqsiqyKrIqKiqyKrIqsioqKrIqs iqyKioqsiqyKrIqKiqyKrIqsioqKrIqsiqyKioqsiqyKrIqKiqyKrIqsioqKrIqsiqyKioqsiqyK rIqKiqyKrIqsioqKrIqsiqyKioqsiqyKrIqKiqyKrIqsioqyiqyKrIqsirKKrIqsiqyKsoqsiqyK rIqyiqyKrIqsirKKrIqsiqyKsoqsiqyKrIqyiqyKrIqsirKKrIqsiqyKsoqsiqyKrIqyiqyKrIqs irKKrIqsiqyKsoqsiqyKrIqyiqyKrIqsirKKrIqsiqyKsoqsiqyKrIqyiqyKrIqsirKKrIqsiqyK soqsiqyKrIqyiqyKrIqsirKKrIqsiqyKioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyK ioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqK iqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqK rIqKiqyKioqsioqKrKyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyK rIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqs iqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyK rIqKrIqKiqyKrIqsioqKrIqsiqyKioqsiqyKrIqKiqyKrIqsioqKrIqsiqyKioqsiqyKrIqKiqyK rIqsioqKrIqsiqyKioqsiqyKrIqKiqyKrIqsioqKrIqsiqyKioqsiqyKrIqKiqyKrIqsioqKrIqs iqyKioqsiqyKrIqKiqyKrIqsioqKrIqsiqyKioqsiqyKrIqKiqyKrIqsioqKrIqsrIqsirKKrIqs iqyKsoqsiqyKrIqyiqyKrIqsirKKrIqsiqyKsoqsiqyKrIqyiqyKrIqsirKKrIqsiqyKsoqsiqyK rIqyiqyKrIqsirKKrIqsiqyKsoqsiqyKrIqyiqyKrIqsirKKrIqsiqyKsoqsiqyKrIqyiqyKrIqs irKKrIqsiqyKsoqsiqyKrIqyiqyKrIqsirKKrIqsiqyKsoqsioqKiqyKioqsioqKrIqKiqyKioqs ioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyK ioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqK iqyKioqsioqKrIqKiqyKioqsioqKrIqKiqysiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqs iqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyK rIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqs iqyKrIqsiqyKrIqsiqyKiqyKrIqsioqKrIqsiqyKioqsiqyKrIqKiqyKrIqsioqKrIqsiqyKioqs iqyKrIqKiqyKrIqsioqKrIqsiqyKioqsiqyKrIqKiqyKrIqsioqKrIqsiqyKioqsiqyKrIqKiqyK rIqsioqKrIqsiqyKioqsiqyKrIqKiqyKrIqsioqKrIqsiqyKioqsiqyKrIqKiqyKrIqsioqKrIqs iqyKirKKrIqsiqyKsoqsiqyKrIqyiqyKrIqsirKKrIqsiqyKsoqsiqyKrIqyiqyKrIqsirKKrIqs iqyKsoqsiqyKrIqyiqyKrIqsirKKrIqsiqyKsoqsiqyKrIqyiqyKrIqsirKKrIqsiqyKsoqsiqyK rIqyiqyKrIqsirKKrIqsiqyKsoqsiqyKrIqyiqyKrIqsirKKrIqsiqyKsoqsiqyKrIqKioqsioqK rIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqs ioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyK ioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsrIqsiqyKrIqsiqyKrIqsiqyK rIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqs iqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyK rIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsioqsioqKrIqsiqyKioqsiqyKrIqKiqyKrIqsioqK rIqsiqyKioqsiqyKrIqKiqyKrIqsioqKrIqsiqyKioqsiqyKrIqKiqyKrIqsioqKrIqsiqyKioqs iqyKrIqKiqyKrIqsioqKrIqsiqyKioqsiqyKrIqKiqyKrIqsioqKrIqsiqyKioqsiqyKrIqKiqyK rIqsioqKrIqsiqyKioqsiqysiqyKsoqsiqyKrIqyiqyKrIqsirKKrIqsiqyKsoqsiqyKrIqyiqyK rIqsirKKrIqsiqyKsoqsiqyKrIqyiqyKrIqsirKKrIqsiqyKsoqsiqyKrIqyiqyKrIqsirKKrIqs iqyKsoqsiqyKrIqyiqyKrIqsirKKrIqsiqyKsoqsiqyKrIqyiqyKrIqsirKKrIqsiqyKsoqsiqyK rIqyiqyKioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqK rIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqs ioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrIqKiqyKioqsioqKrKyKrIqs iqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyK rIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqs iqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqsiqyKrIqKrIqsiqyKioqsiqyKrIqK iqyKrIqsioqKrIqsiqyKioqsiqyKrIqKiqyKrIqsioqKrIqsiqyKioqsiqyKrIqKiqyKrIqsioqK rIqsiqyKioqsiqyKrIqKiqyKrIqsioqKrIqsiqyKioqsiqyKrIqKiqyKrIqsioqKrIqsiqyKioqs iqyKrIqKiqyKrIqsioqKrIqsiqyKioqsiqyKrIqKsoqsiqyKrIqyiqyKrIqsirKKrIqsiqyKsoqs iqyKrIqyiqyKrIqsirKKrIqsiqyKsoqsiqyKrIqyiqyKrIqsirKKrIqsiqyKsoqsiqyKrIqyiqyK rIqsirKKrIqsiqyKsoqsiqyKrIqyiqyKrIqsirKKrIqsiqyKsoqsiqyKrIqyiqyKrIqsirKKrIqs iqyKsoqsiqyKrIqyiqyKrIqsigMAAAAAAA== ------=_NextPart_01C660B7.879CF510 content-location: file:///C:/90F7A2B3/Sellers_files/v3_next_active.gif content-transfer-encoding: base64 content-type: image/gif R0lGODlhHgASAKIAAP///8DAwJT//4SEhCnO/ylj/wAAAAAAACH5BAEAAAEALAAAAAAeABIAQAMy GLrc/hAaQYuJOGtYut+ZIY5gaYZASlynUxCw1c50bW8Ttd5LLuy3V4xF83SIvKQymQAAOw== ------=_NextPart_01C660B7.879CF510 content-location: file:///C:/90F7A2B3/Sellers_files/v3_next_disabled.gif content-transfer-encoding: base64 content-type: image/gif R0lGODlhHgASAJEAAP///8DAwISEhAAAACH5BAEAAAEALAAAAAAeABIAQAIpjI+pyywPm5yUjYvr hBHoDzbcEy6jEHjlyraudL5H/MZqabvAzsu+XAAAOw== ------=_NextPart_01C660B7.879CF510 content-location: file:///C:/90F7A2B3/Sellers_files/v3_prev_active.gif content-transfer-encoding: base64 content-type: image/gif R0lGODlhHgASAKIAAP///8DAwJT//4SEhCnO/ylj/wAAAAAAACH5BAEAAAEALAAAAAAeABIAQAM0 GLrc/pAVIqqJOOu9iv8cZoxkaJ4SAawX2hgTQbRubd84NFUC7e6WHEw2yylgH59xyXQlAAA7 ------=_NextPart_01C660B7.879CF510 content-location: file:///C:/90F7A2B3/Sellers_files/v3_prev_disabled.gif content-transfer-encoding: base64 content-type: image/gif R0lGODlhHgASAJEAAP///8DAwISEhAAAACH5BAEAAAEALAAAAAAeABIAQAItjI+pyzgCYQCt2ovD 2DzXGHni6IDCRCLmmbbuCzcPiKZzSLlrbOw8AAzyhqQCADs= ------=_NextPart_01C660B7.879CF510 content-location: file:///C:/90F7A2B3/Sellers_files/v3_outline_collapse.gif content-transfer-encoding: base64 content-type: image/gif R0lGODlhFwASAKIAAP///8DAwISEhDFj/wAAnAAAAAAAAAAAACH5BAEAAAEALAAAAAAXABIAQANG GLrczgTISeWIkrzNVywFAFak5pHkNZkK4b5wDENiOKIrjQND30esAGZX6hgdQyIlmFRmdM7ciejD MJ2q55Q6ZMq+saM4AQA7 ------=_NextPart_01C660B7.879CF510 content-location: file:///C:/90F7A2B3/Sellers_files/v3_outline_expand.gif content-transfer-encoding: base64 content-type: image/gif R0lGODlhFwASAKIAAP///8DAwISEhDFj/wAAnAAAAAAAAAAAACH5BAEAAAEALAAAAAAXABIAQANK GLrczgSUIim4d8RLnv9LNFVYWXahqQ7shipELM/0DGHUNKrAG2ySyg6gwfiAPJ4PxIQln8dnMipV UaVFzu3J6kauXOCxRqY1zwkAOw== ------=_NextPart_01C660B7.879CF510 content-location: file:///C:/90F7A2B3/Sellers_files/v3_space.gif content-transfer-encoding: base64 content-type: image/gif R0lGODlhAQABAPcAAAAAAIAAAACAAICAAAAAgIAAgACAgICAgAQEBAAAAAAAAAAAAAAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAMDAwP8AAAD/AP//AAAA//8A/wD//////yH5BAEAAPcALAAAAAABAAEA AAgEAO8FBAA7 ------=_NextPart_01C660B7.879CF510 content-location: file:///C:/90F7A2B3/Sellers_files/v3_endshow.htm content-transfer-encoding: quoted-printable content-type: text/html; charset="windows-1252"


End of slide show, click to exit.

------=_NextPart_01C660B7.879CF510 content-location: file:///C:/90F7A2B3/Sellers_files/v3_navigation_bar.htm content-transfer-encoding: quoted-printable content-type: text/html; charset="windows-1252"
------=_NextPart_01C660B7.879CF510 content-location: file:///C:/90F7A2B3/Sellers_files/v3_outline_navigation_bar.htm content-transfer-encoding: quoted-printable content-type: text/html; charset="windows-1252"
3D"Collapse3D"Expand
------=_NextPart_01C660B7.879CF510 content-location: file:///C:/90F7A2B3/Sellers_files/v3_outline_collapsed.htm content-transfer-encoding: quoted-printable content-type: text/html; charset="windows-1252"

Lake Gaston:

Christine Thompson=

The Agenda
(Presentation to Lake Gaston AARP Chapter April 13, 2006)

National Real Esta= te Performance

Lake Gaston Proper= ty Values:
Statistical Notes

Lake Gaston Proper= ty Values
5-Year Difference:

Lake Gaston 2004-5 Comparison

Waterfront Houses<= /a>

Waterfront Lots

Off Water Houses

Off Water Lots=

Property Values:=A0
Where are they going?

Housing Market to = Stay on High Plateau
(National Association of Realtors)

2005 NAR Profile o= f U.S. Real Estate Markets
December 2005, National Association of Realtors=A0 (segments omitted)

National Outlook

Second homes 40% of market
By Noelle Knox, USA TODAY (excerpt)

2nd Home Market

2nd Home Market (con=92t)

Vacation Home Buye= r

Why Lake Gaston ?<= /a>

Lake Gaston
Buyer Demographics:

Seller Demographic= s:

Selling?=A0 Plan Ahead!

Before You Sell

About the Appraisa= l

=A0Quick Improvements:

Pre-Sale Tips:=

Tips for the Kitch= en:

Tips for the Bathr= oom:

Tips for Outside:<= /a>

Tips on Renovation= s:

------=_NextPart_01C660B7.879CF510 content-location: file:///C:/90F7A2B3/Sellers_files/v3_outline_expanded.htm content-transfer-encoding: quoted-printable content-type: text/html; charset="windows-1252"

Lake Gaston:
More than a Luxury=85=
More than a Lifestyle =85
=96 It=92s an Excellent Inve= stment !

Christine Thompson=

The Agenda
(Presentation to Lake Gaston AARP Chapter April 13, 2006)
Property Values:
What is happening to lake pr= operty values?
A Look Into the Future
What is the outlook over the= next 3-5 yrs?
What to do now to plan for t= he future
What needs to be done to exi= sting property to help maintain its value?
No Cost / Low Cost
Renovations
Remodeling
Updating, etc.

National Real Esta= te Performance
"Real estate, over the = past five years, has outperformed virtually every other investment vehicle," = said Ron Peltier, president and chief executive of Home Services of America
The trend really started aft= er 1997, when Congress changed the tax code, allowing most homeowners to duck cap= ital gains taxes when they sold their homes.

Lake Gaston Proper= ty Values:
Statistical Notes
Statistics: historical sales= figures been obtained from the Roanoke Valley Lake Gaston Board of Realtors Mult= iple Listing Service (Years used 2004 & 2005)
=93Waterfront=94 means any p= roperty that shares a boundary line with Dominion Power (Lake)
Location:=A0 sales figures were taken only from= listings in the four quadrants of Lake Gaston (not surrounding county properties.= )

Lake Gaston Proper= ty Values
5-Year Difference:

Lake Gaston 2004-5 Comparison

Waterfront Houses<= /a>

Waterfront Lots

Off Water Houses

Off Water Lots=

Property Values:=A0
Where are they going?
A look into the future
Commentary from a study by t= he National Association of Realtors (NAR)
USA Today article

Housing Market to = Stay on High Plateau
(National Association of Realtors)
WASHINGTON (April 11, 2006) = =96 Home sales should generally level-out and remain at historically high levels, according to the National Association of Realtors=AE.
David Lereah, NAR=92s chief = economist, said mortgage interest rates are trending up but will remain favorable. =93Economic growth and job creation are providing a favorable backdrop f= or the housing market, but rising interest rates have an offsetting effect,=94 = Lereah said. =93Home sales will move up and down somewhat over the remainder of= the year but stay at a high plateau, meaning this will be the third strongest year on record.=94 He expects the 30-year fixed-rate mortgage to rise to= 6.9 percent by the end of the year.
.

2005 NAR Profile o= f U.S. Real Estate Markets
December 2005, National Association of Realtors=A0 (segments omitted)
Following are the major find= ings:
The U.S. economy continued t= o show remarkable resilience in 2005.
Residential real estate once= again was the backbone of the U.S. economy.
Job creation and healthy hom= e price appreciation is continuing to fuel consumer spending.
After several years of lackl= uster performance, the stock market has recovered nicely
Interest rates remained at 4= 5-year lows in 2005.
Commercial real estate market performance is improving
As mortgage interest rates t= ick up, housing affordability is likely to decrease

National Outlook
The national median existing= -home price for all housing types is likely to increase 6.4 percent this year [2006]= to $221,700, while the median new-home price is expected to rise 2.3 percen= t to $242,700.=A0 (David Lereah, Chief Economist, NAR)
Sales of vacation homes are = expected to stay strong for years, because the youngest baby boomers are only 42 this year [2006].=A0 The typical vaca= tion home buyer last year was 52 years old, earning $82,800 a year, and purchased a property that was about 200 miles from the primary residence. The median price was $204,100, up 7.4%.

Second homes 40% of market
By Noelle Knox, USA TODAY (excerpt)
Americans snapping up second= homes =97 as investments or vacation properties =97 accounted for four out of every 1= 0 sales of existing homes last year, a record that helped drive the real estate market to new highs, according to a report by the National Association of Realtors.
Nearly 28% of homes bought l= ast year were for investment purposes, and an additional 12% were vacation homes,= the figures show. Most of the buyers were baby boomers in their top earning years, looking toward retirement and hoping to build wealth or find a mo= re desirable place to live.
"Baby boomers are such = a powerful economic force," said Dave Jenks, co-author of The Millionaire Real Estate Investor. "They're using their wealth to go buy second homes= .

2nd Home Market
Wealthy baby boomers, favora= ble tax law changes, rapid home price appreciation, the influx of stock market refug= ees looking for safe investment havens, and more domestic travel due to post= -911 security concerns have all been a boon to the second home industry -- especially the investment segment.
NAR found that one out of fi= ve second homes will become primary residences after retirement -- 27 percent of vacation homes and 14 percent of investment property
Walt Molony, NAR spokesman

2nd Home Market (con=92t)
"Because the typical se= cond-home buyer is a baby boomer, it's likely over the next decade that second-home sales will remain historically high," Lereah said (NAR). "The boomers are still in their peak earning years and have both the wherewit= hal, and the desire to purchase vacation homes and investment properties.&quo= t;
Overall, 30 percent of buyer= s purchased a second home to diversify investments, 28 percent sought rental income,= 14 percent wanted a personal or family retreat, 6 percent planned to use the home for vacations, and 5 percent simply had extra money to spend.

Vacation Home Buye= r
Purchasers of second homes [= nationally] valued their proximity to:
An ocean, river or lake, 40%=
Family members, 34%
Preferred recreational activ= ities, 27%
Their primary residence, 27%=
Mountains, 26%
A preferred vacation area, 2= 4%
A job or school, 17%<= /td>

Why Lake Gaston ?<= /a>

Lake Gaston
Buyer Demographics:
Reasons for purchasing
Primary /Retiree residence
2nd / Vacation Home
Speculative Investment
Developer / Builder
Age of those purchasing
Retiring Next Few Years (Bab= y Boomer Retirees)
Young-Middle Age
Developer/Builder
Retiring Now
Multiple family purchases
Increasing

Seller Demographic= s:
Why are people selling their= property?
Relocating to warmer climate= s or other =93Destinations=94
Aging Factor:
Moving closer to medical fac= ilities
Moving closer to family / gr= andchildren
Property too expensive to ke= ep or maintain
Vacation Homeowners =96 relo= cating to different area
Investment owner =96 specula= tive sale
Cashing Out & Realize Ga= ins
Upsizing on Lake
Downsizing on Lake
Relocating on Lake
Lack of Recreational Activit= ies at Lake Gaston
Kids have grown up

Selling?=A0 Plan Ahead!
You only have 1 chance to ma= ke a great 1st impression=85
So Plan Ahead to be ready fo= r =93Show Time=94
Remember=85 it takes $ to ma= ke $ on your sale

Before You Sell
What you can do now to maint= ain or improve property value:
Plan Ahead
Quick Improvements
Pre-Sale Tips
Kitchen
Bathroom

About the Appraisa= l
Appraisers are the mortgage = lender's eyes and ears to verify the property's condition and market value.=A0 A "bad=92 appraisal can kill = a home sale or mortgage refinance.
GET THE PROPERTY IN TOP COND= ITION. If you need a top-dollar offer and the buyer=92s appraisal that supports it= , the first step is to prepare=A0 your= house so it shows like a "model home" and not =93your=94 home.

=A0Quick Improvements:
The Welcome
Power Wash: Have the whole e= xterior cleaned using a power washer
The lawn: Neat & Tidy!=A0 If bare, replace it with new turf<= /font>
Front door: A new door is im= pressive, or new doormat.. Knocker
Landscaping:=A0 plant flowers around the entrance = and the walkways
The House
CLEAN, CLEAN, CLEAN!<= /td>
Walls:=A0=A0=A0=A0=A0=A0=A0=A0=A0=A0=A0 Fres= h Paint will make a world of difference (neutral colors)
Floors:=A0=A0=A0=A0=A0=A0=A0=A0=A0 If worn th= en replace carpet; Refinish/polish hardwood floors
Basements:=A0 If damp, fix the problem.=A0 Add plenty of additional light
Bathrooms:=A0 Replace tired old fixtures with ne= w ones.
Appliances:=A0 Replace old, dated appliances.
Lighting:=A0=A0=A0=A0=A0=A0 Brighter rooms are = far more appealing
Plumbing:=A0=A0=A0 Dripping faucets and taps in= dicate a lack of repair
The Finishing Touches & = =93Little Things=94
The =93feel good=94 factor = =96 nice fragrances, house plants, lawn decor
Replace cover plates on ligh= t switches and outlets with brass or wood.

Pre-Sale Tips:=
Remove clutter
if possible put in storage, = not in the basement, garage or attic
Move excess furniture to sto= rage
gives a greater feel of spac= e
Remove personal items=
such as family photos, relig= ious icons, etc.
Professionally clean house
Just prior to placing on the= market
Including windows, blinds, a= nd flooring

Tips for the Kitch= en:
Replace worn-out cupboards (= updated style), new doors, door pulls
Upgrade counter tops to Gran= ite or Corian
Replace tired, leaky taps wi= th a sparkling new faucet
Replace old stainless sink w= ith a gleaming new ceramic design
Replace worn flooring with n= ew floor tiles
select a lighter color to br= ighten the room and add a sense of spaciousness.

Tips for the Bathr= oom:
Clean!=A0 Clean!=A0 Make it Gleamin= g Clean!
Repair an old stained bath/s= hower stall
Replace / upgrade to a whirl= pool tub
Replace worn out toilet seat= s, and bowl if discolored and/or cracked
If replacing tub & toile= t, replace the sink as well
Purchase a new shower curtai= n or glass door for a touch of class.
Clean the grout around tilin= g
Upgrade lighting to make the= bathroom bright

Tips for Outside:<= /a>
Powerwash everything that ne= eds it
Repaint old and worn out tri= m, front door
Replace bad, loose decking b= oards
Replace warped, missing roof= shingles
Remove miscellaneous/junk it= ems from yard
Cut back shrubs and trees
Clean gutters
Add more gravel & remove= weeds from driveway
Keep grass neatly trimmed

Tips on Renovation= s:
=93Shop=94 for your contract= or
Allow adequate time for comp= letion
Consider those renovations t= hat provide a return on your investment
Stay neutral with choices on= color & materials
Remember the =93wow=94 facto= r in marketability
Consider the quality of mate= rials to use relative to the value of house

------=_NextPart_01C660B7.879CF510 content-location: file:///C:/90F7A2B3/Sellers_files/v3_blank_notes.htm content-transfer-encoding: quoted-printable content-type: text/html; charset="windows-1252" ------=_NextPart_01C660B7.879CF510 content-location: file:///C:/90F7A2B3/Sellers_files/master08.htm content-transfer-encoding: quoted-printable content-type: text/html; charset="us-ascii"
Click to edit Master title style
Click to edit Master text styles
Second level
Third level
Fourth level
Fifth level
‹date/time›
‹foot= er›
‹#= 250;
------=_NextPart_01C660B7.879CF510 content-location: file:///C:/90F7A2B3/Sellers_files/master08.xml content-transfer-encoding: quoted-printable content-type: text/xml; charset="utf-8" ------=_NextPart_01C660B7.879CF510 content-location: file:///C:/90F7A2B3/Sellers_files/master09.htm content-transfer-encoding: quoted-printable content-type: text/html; charset="us-ascii"
Click to edit Master title style=
Click to edit Master subtitle st= yle
‹date/time›
‹foot= er›
‹#= 250;
------=_NextPart_01C660B7.879CF510 content-location: file:///C:/90F7A2B3/Sellers_files/master09.xml content-transfer-encoding: quoted-printable content-type: text/xml; charset="utf-8"