378783139b26814bc4f8 youssef joe'' berrada net worth

Im like, oh my god, there are so many people. Toliver'sname has since been sealed in the court record. ", Problematic leases: The state Department of Agriculture, Trade and Consumer Protection has issued five warning letters since 2015questioning whether Berrada companies were violating statelandlord-tenant law. Against doctors' recommendations to terminate the at-risk pregnancy, his parents chose life after God intervened, sending the family pastor to reassure them that this child would be "born to serve the Lord." Joe Berrada overall profits are growing on a daily basis, and he is becoming more popular on the sidelines. Tielisha Hodges, who lives in a Berrada unit on West Sheridan Avenue, complained about holes under her sinks, space between a wall and the floor, and a lack of gas for several weeks when she first moved into the apartment. "He owns everything here. Meaning of Youssef. ", Still, Goyke added, landlords who receive taxpayer-fund rent assistance payments"should be held accountable to a certain standard. When she told Berrada that renters of color and the very poor were disproportionately impacted, she said that Berrada, who is Moroccan and came to Wisconsin as a foreign exchange high school student in the 1980s, seemed to recoil. At the same time, wages have stagnated dramatically. It impacts what you rent and what rent you can charge because the choice is limited," says Spivak. A woman was forced to sleep in her car overnight in November 2020 after returning home to find a new door on her apartment. "I was hurt, I was devastated, there were things in there that never will be replaced, my pictures, my family pictures my siblings' (pictures). DOWNLOAD THE APP: Get the latest news, sports and more, with a 14-count civil enforcement complaint, Your California Privacy Rights/Privacy Policy. These moratoriums, however, were temporary. The corporation name 6642594 CANADA INC.. Business Informatoin. Goldberger told the Journal Sentinel that sometimes Berrada Properties will make the "business decision" to settle a lawsuit. Berrada is known as "the boulder guy," since his companies frequently put boulders on the lawns of their properties. I think everybodys been surprised by some areas of common ground and that advances a lot of good things for tenants, said Foley. Tenants are expected to attend via video conference, often an impossibility for those without smartphones or laptops. 1/5. He is married. Since corporate landlords are often an umbrella for multiple limited liability companies and shell companies (often to take advantage of tax benefits), their names rarely appear directly on eviction filings. Eight million Americans have entered poverty during the pandemic. Before the 2008 recession, corporate landlords owned 20% of rental properties; today, its nearing a whopping 50%. Here's how. THANK YOU: Subscribers' support makes this work possible. . "You can't get mail without a mailbox," said Ramos of the Eviction Project, whichrepresented him in the case. And if theres no debt, he may simply seize the deposit. Meanwhile, housing the poor is a prosperous business, given that poor and relatively wealthy renters pay similar amounts of rent. In fact, the state alleges, his company will charge tenants these fees, illegally, even if their rental agreement was signed before his company started including the two sets of late fees. Wisconsin once had a 'model' voting rights program for people with disabilities. | | : 12 - : 111 : 1,795 - : Joseph. Two days later, an email landed in her inbox: Berrada wanted to meet. The competitors have enjoyed dominance of said markets for generations. "Berrada Properties Management, Inc. has a history of promptly and fully addressing matters which result in the issuance of an order by the City," he wrote. Youssof. Year: Net Worth: 2019: $20 Million : 2020: $20.5 Million: 2021: Hes already bought up everything in Milwaukee, she said. That speaks to a real imbalance of power that is reified and reinforced by the court systems that grant levels of anonymity to landowners and landlords.. That many evictions in one week? Ventron Management, for example, received $3.5 million in government funds and has filed 1,017 evictions. He earned the money being a professional Arabist. Berrada: Just a businessman 2018-07-22 - I'm writing in response to the front page article about Youssef "Joe" Berrada and all the rental properties he owns ("'He'll evict you in a minute,' " July 15). He said he stopped charging late fees at those properties because he understands COVID and the struggle that many of his tenants are facing. Soon after a Berrada LLC boughtYoung's building on the 5300 block of North 29th Street, the company began renovation work. Meanwhile, during the ongoing COVID-19 pandemic,Berrada Properties received nearly $1.5 million in rent assistance through programs administered by the Social Development Commission. She was trapped in her apartment and had to call the fire department to unscrew her door. Now, coincidentally, his number of eviction have declined since he started collecting seven million dollars in rental assistance. Madison, WI 53707-7857 Phone: (608) 266-1221. The complaint alleges that Mr. Berrada and Berrada Properties Management, Inc., violated Wisconsin landlord-tenant law by including . By January, almost 12 million renters owed an average of $5,850 in back rent and utilities-an insurmountable sum in a country where before the pandemic 40% of the population didnt have $400 on hand in an emergency. Youssef Kerkour's net worth, height, age, weight, affair, relationship, family, movie update, and more are highlighted below. The Mequon home of Youssef Berrada, a landlord owns more than 300 buildings and 3500 rental units in the Milwaukee area. It did. In addition to Young, another tenant of a Berrada propertycomplainedto state regulators that workers screwed her front door shut last year while she was inside. "They just put band-aids on everything … they dont fix anything," Hodges said. He dismissed that sentiment as inaccurate. "He owns so many units and housing insecurity is a huge issue andwe don'twant to put people into homelessness. "He just seems to be going around buying a ton of stuff and a ton of boulders," Rodriguez said. Today, when Foley works with tenants who need housing but have past evictions on their record, she often refers them to Berrada, one of the only landlords in the area who will offer them a lease. RELATED:We can solve Milwaukee's noncompetitive housing market for the poor. TheBerradafilings in 2017included 265 so-called serial filings that is, suits filed against the same person on multiple occasions, the Journal Sentinel found. Los terapeutas sexuales comparten las 6 mejores posiciones sexuales para el mximo placer, Bitso anuncia el lanzamiento de su tarjeta de crdito de la mano de Mastercard, 7 beneficios de la vitamina E respaldados por la ciencia y cmo obtener lo que necesitamos, Facebook se est volviendo ms como Instagram mientras Zuckerberg prepara ms despidos, 7 tipos de vaginas y por qu la tuya es totalmente normal. While landlords renting to lower-income renters face greater risk of missed rent payment or sudden vacancies, they offload that risk onto tenants which means that landlords who rent to poor tenants make nearly twice as much profit as those renting to people of means. "He doesn't present himself as a bad actor," said Cole, the commissioner of the neighborhood services department. youssef joe'' berrada net worthhttps www law cornell edu uscode text 26 501 youssef joe'' berrada net worth. Ouissam Youssef, a 2004 graduate from Montreal's Concordia University with a Bachelors Degree in Computer Engineering, has been creating and building businesses since the age of 15. The company's eviction rate dropped sharplyshortly afterward as it developed a close working relationship with CommunityAdvocates. You must be an Urban Milwaukee member to leave a comment. It was obscene, said Colleen Foley, the Executive Director of the Legal Aid Society of Milwaukee, a public interest law firm that provides free legal services, including to poor tenants facing an eviction. . An additional$5.4 million was paid to Berrada Properties through programs administered by Community Advocates. It was the start of an unlikely alliance to solve Milwaukees eviction crisis. Black women face eviction at twice the rate of white renters in 17 states, according to analysis by the American Civil Liberties Union. In Berradas case, for example, it took dogged local journalism to track the 75 different firms linked to him and then painstaking work to cross-reference them with local eviction filings. Corporate landlords in cities like Milwaukee helped drive an evictions crisis during the pandemic. No follow-up action was taken by the state, and "Berrada has not provided any additional correspondence, or assurance, regarding those matters," agency spokesman Jerad Albracht said in an email. "Where am I going to go," he said, gesturing toward an area a couple blocks away on Wells Streetwhere boulders areon the lawns ofnine apartment buildings linked to Berradain a two-blockarea. As state investigators wereprobing claims that Youssef "Joe" Berrada'srental empire was violating the rights of tenants,the landlord giant was collecting nearly $7 million in state and federal rent assistance. Citations included inadequate heat, broken windows, lack of fire extinguishers, lack of secure, locking outside doors and infestations of rodents or bed bugs. This is what we know about Joe Berrada net worth based on a recent study by Forbes and business insiders: He is worth more than a couple of million dollars. Get Directions. In court, Toliverargued he never got the notice to pay his rent or face eviction because several mailboxes in the building, including his,had been vandalized and were unusable. Im not going to suffocate the courtjust give us our unit back so we can lend it to someone else whos willing to pay rent.. "Ihave lung issues and thedust was entering into my apartment,"said Young, 59. Ditch the ads, get free stuff. The shift stems from a choice the U.S. government faced in the aftermath of the housing crisis when it absorbed hundreds of thousands of foreclosed homes: put those properties back in the market slowly, with a focus on getting people back into their homes, or turn to private equity firms, who were the only players at the time with massive cash on hand. An apartment on North 29th Street in Milwaukee owned by Youssef "Joe" Berrada company featuring his signature boulder on lawn. Housing experts warn the current crisis could trigger the kind of corporate consolidation of the housing market we saw in 2008-only this time at warp speed, as corporate entities lap up properties previously owned by mom and pop landlords driven out of business by the pandemic. Pressure meanwhile mounted from other directions. Under Review. googletag.cmd.push(function() { googletag.display('div-gpt-ad-1575462103976-0'); }); When going through the eviction process, in which he says he hates, he said he doesnt want to deal with the Milwaukee court system, he just wants his unit back., All we want is our unit back. Berrada said. Rape and Sexual Assault are No Laughing Matter, Unless Your Name is Donald Trump He wonders whether Berrada is truly turning over a new leaf or whether its a political stunt that will end when the cameras stop rolling. I think the pandemic makes it clear we have to go at this differently, this crisis makes it so glaringly apparently that the current formula does not work. The corporation name 6642594 CANADA INC.. Business Informatoin. By Bo Emerson, The Atlanta Journal-Constitution. Berrada, who moved to Milwaukee at age 16 as a foreign exchange student at South Milwaukee High School, owns close to 8,000 properties in Milwaukee, Racine, St. Francis and West Allis. Milwaukee, WI 53224-9028. These court fees related to eviction, based upon the criminal complaint, are just one layer in a stew of penalties that keep a tenant indebted to Berrada, who then extracts even more money from the tenant on top of the monthly rent. Goldberger told the Journal Sentinelthe tenants who caused the damage to the property have been "removed" and Berrada Properties is replacing all exterior doors with "security enhanced doors.". Some Berrada tenants are sued for eviction as many four times in a year, records show. "I feel we have a good, over 95% approval rate," he said, referring to audit by an unnamed company Berradasaid had reviewed his operations. Berrada companies routinely finetenants $100 when they are 10 dayslate on rent. In all, Berrada companies own 292 properties with more than 3,600 units in the city. During that time his caretaker regularly stopped at the apartment building, finding the conditions unchanged. During the COVID-19 pandemic, tenants reported workers entering their units or working inside their building for renovations without taking precautions like mask wearing. While not all evictions result in a forcible removal, filings can trigger job loss, increased poverty, and serious mental health issues that include depression and suicidal ideation. One millionaire landlord was behind half of Milwaukee's evictions during Covid lockdowns last June. The birthplace of Michael Youssef is Egypt. . We now have the capacity to actually compete in glass markets that serves Milwaukee and the surrounding areas. Records show Berradaor companies linked to him paid more than $17 million to buy homes and a luxury condoinMaui;Boca Roton, Fla.;Scottsdale,Ariz.;Chicago;San Diego and near Las Vegas. The late fees, which for some tenants, like JT, are nearly endless, contribute to the debts that Berrada then uses as a cause for eviction. Press Release. His18-room Mequon home sitson a 5.5-acre estate and is listed on state records as the principal office of his Berrada Properties Management Inc. This is the very, very last resort, Berrada said. Little is known about the operation of his businesses. He was on the school's tennis and volleyball teams and was initiated into the National Honor Society. Youssef Origin and Meaning. Berrada has long been synonymous with evictions in Milwaukee. The agency has worked with Berrada to help tenants find new units if they could not afford their rent and has urged Berrada not to charge late fees, she said. In his early 20s, he turned a passion for technology-based businesses into a company that quickly grew to 300 employees. "I'm staying here because I have no place else to go.". What happened in Milwaukee last summer exposes an overlooked, but driving force of the evictions crisis: corporate landlords are becoming an increasingly dominant player in the U.S. rental market, and they are more likely to throw their tenants out onto the street. Goldberger said his client is "a particularly private person and wishes to operate his business without unwelcome publicity.". For example: Repeat actions:Berrada entities repeatedly file eviction actions against the same tenant, often ending each case with an agreement, orstipulation, demanding the tenant pay back rent, court costsand late payment fines. What does Youssef mean? In Milwaukee, publicly available information is the only reason Foley was able to direct her op-ed at the right person: Joe Berrada. Since 2015, Berrada companies have bought88 Milwaukee properties. Failure to make the stipulation payments on time could result in an eviction. According to Wikipedia, Forbes, IMDb & Various Online resources, famous Arabist Mohammed Berrada's net worth is $1-5 Million at the age of 81 years old. 2023, Urban Milwaukee, Inc. All rights reserved. Joseph. But, after a year or so, conditions declined. If you are an existing member, sign-in to leave a comment. RELATED:Low-income households in Milwaukee squeezed by rents. He is the senior pastor of the Church of the Apostles in Atlanta, Georgia, and the executive president of Leading the Way. That made him responsible for over half of the city's evictions. Thats true historically and it remains true during the pandemic.. Youssef Berrada is a Manager at PwC based in London . During a brief discussion a couple of years ago, Bauman said, Berrada told him his family was involved in"buying, rehabbing and reselling heavy construction equipment" in Morocco and that he had some business interests in Europe. MILWAUKEE, Wis. - Attorney General Josh Kaul today announced the filing of a civil law enforcement action against Youssef (Joe) Berrada and his property management company, Berrada Properties Management, Inc. (A Real Glass Company). "It's using the court system as a mode of collection," said Karen Dardy, chief staff attorney at the Legal Aid Society of Milwaukee. We had some really thoughtful discussion that I think surprised everyone who expected the other side to be the devil, said Foley. When she turned on the television, she saw coverage of the same. The restitution would be for tenants who suffered a financial loss and the state is seeking forfeitures, or fines, of up to $10,000 per violation. Berrada says his organization owns 8,000 rental units nationwide. Tired of seeing banner ads on Urban Milwaukee? . The promising actor was discovered by Steven Spielberg in Munich, Germany. For many corporate landlords, there is no system for understanding why a tenant might have missed a rent check- its simply data plugged into a computer system that spits an eviction notice out after a set period of time. Youssef Berrada. The agency even placed a staffer in a Berrada Properties office to help tenants apply for rent assistance that is paid to the landlord. Average of 9 Customer Reviews. "When you have that type of concentration, it impacts the quality of the apartments because the tenants' choices are limited. "A lot of landlords will deny housing to anyone who has been sued for eviction, regardless of the outcome of the case," said Eric Dunn, litigation director for the National Housing Law Project. Berrada Properties Management also has a habit, outlined in the complaint, of making bizarre, unnecessary repairs to their buildings that inconvenience and torment their tenants. Visit Website. Its just a cut and dry type of operation that he runs.. When Berrada acquires a new property and wants to make renovations, sometimes the company notifies the tenants they have to leave. Berradaoperations generally make repairs that are ordered by the city in a timely manner. This ad will close automatically in 15 seconds. According to Berrada, some of those eviction filings were apart of a two-year backlog. Young said that during the rehab work, the front door of her apartment was barricaded for a day, trapping her inside. Energy & Infrastructure; Public & Administrative Law; Capital Markets; Profiles in; : Yousef. Linklaters advised Cube Infrastructure Managers' on the matter. Berrada also gave his ex-wife a 2015 BMW X5as part of theagreement. When adjusted for inflation, a 2018 hourly wage has about the same purchasing power as it did in 1978. In April, Berrada appeared before a Common Council committee that was considering selling a city-owned, fire-damaged property to his operation. Foleys organization had tangled with Berrada before, but now Foley decided on a new tactic: she penned a scathing op-ed in the Sentinel, calling out Berrada, whose companies manage about 8,000 rental units in the greater Milwaukee area, directly. Bad press from the Sentinel, which has included drone footage of Berradas 18-room mansion, was not letting up. Its also been good for business: when tenants get money, Berrada also gets money. Inspectors ordered the violations be fixed by April 8, but the city failed to schedule a follow-up inspection until last week after the Journal Sentinel asked whether repairs had been made. She packed their belongings and rented a storage space, knowing that when the sheriffs came to kick them out theyd toss all their belongings onto the sidewalk. Family owned and operated, Berrada Properties, has more than 20 years of property management experience. Requiring tenants to pay legal costs in eviction cases "was a part of the standard lease even though it is prohibited," said Raphael Ramos, director of theEviction Defense Project in Milwaukee. "If you're renting a place for $600 and you get taken to court three times, it's like you're paying an extra month's rent," because of the fees and court costs that a tenant often agrees to pay, said Matthew Desmond,author of "Evicted: Poverty and Profit in the American City" a Pulitzer Prize-winning book that examinesevictions in Milwaukee. Spivak says Berrada was one of the leading evictors in the city. . The state lawsuitseeksinjunctive relief asking that Berrada "come into compliance with the law" as well as restitution and civil forfeitures. Milwaukee landlord Youssef Berrada and his firm charged with 15 violations of state law. . Rate may change after account is opened; however, minimum 2.25% APY* paid when account balance is $250,000 or greater through 6/30/2023 and 0.01% APY* will be paid when balance is under $250,000. Mequon home of Youssef Berrada, 27 de julho de 2022 The DOJ complaint notes that Berrada often illegally charges court fees days before the eviction is even filed. Mohammed Berrada's Net Worth: $1-5 Million. The complaint alleges that Mr. Berrada and Berrada Properties Management, Inc., violated Wisconsin landlord-tenant law by including . Tenants with government-issued phones with limited minutes can blow their entire months allotment just waiting on hold for their case to be heard. Housing advocates fear that the worst is yet to come. Theres also the possibility of informal evictions, such as when tenants leave because of unattended repairs or unsafe conditions. In some parts of Atlanta, for example, where corporations own at least one in five single-family rentals, tenants might not know who their landlord is until they receive an eviction notice. Youssef Berrada Associate; France +33156435523. We could not continue to do business like thatIts people that owe us, 10, 12, $15,000 with no responseWe had to cut the ties., Berrada likened the situation of paying rent to paying other bills, like a phone bill, saying if that phone bill is not paid, then the phone service will be discontinued. The latest Tweets from Youssef Berrada (@Berrada_Youssef). It was breathtaking and appalling and like, holy cow, things are out of control.. "I just sat on the stairs and cried," Young said. Help us share the knowledge by buying a gift subscription. necklace test for how many babies. Princess Summit, who rents an apartment on West Wells Street, complained about mice in her apartment,garbage in the hallway and Berrada workers entering her apartment without permission. The Cleaning Specialists. They liked the neighborhood, which gave the couple good access to transportation to get to their jobs. Youssef Berrada. Before the eviction filing, the tenant has the right to cure the issue. The date of birth of Michael Youssef is 25th september 1948. best build 2k22 shooting guard. Berrada uses late fees, sometimes illegally imposed on new tenants, according to the DOJ, in a manner interwoven with the companys hair trigger evictions and its withholding of security deposits. Facebook | Twitter | Instagram, DOWNLOAD THE APP: Get the latest news, sports and more, 'He'll evict you in a minute': Landlord becomes a force in Milwaukee. Estimated Net Worth in 2020. Berrada will take your security deposit if you vacate his property without proper notice. We can solve Milwaukee's noncompetitive housing market for the poor. When 14 million Americans lost their jobs at the beginning of the pandemic, housing experts predicted an eviction apocalypse. In some states, like Wisconsin, the worst case scenario was kept at bay by a statewide moratorium. Here's the story of how corporate landlords helped drive the evictions crisis. "I don't think weve had tenants calling complaining about (Berrada Properties) rental practices," she said. Wisconsin Attorney General Josh Kaul today announced the filing of a civil law enforcement action against Youssef (Joe) Berrada and his property management company, . Also in 2020, the company was purchasing a property from Schultz Real Estate on 78th street, and Berrada agents arrived before the deal was even finalized to tell the tenants they had 30 days to move out. Foley explained that the eviction filings Berrada was handing out like candy would haunt tenants for years to come, making it close to impossible to find future housing. He also owns a helicopter, his ex-wife said in a 2017 court filing. "It's a terrible abuse. Your California Privacy Rights/Privacy Policy. Content referencing Youssef "Joe" Berrada. There is no national database of evictions, and evictions are only tracked at the level of the countrys more than 3,000 counties. Berrada is the sole owner of more than 170 limited liability companies, which in turn own more than 8,000 rental properties; most of them in Milwaukee and Racine counties. Corporate landlords, which own almost 50% of rental properties, are more likely to evict, advocates say. Nov 17th, 2021 by Graham Kilmer. About half of the firms earnings are from a real estate business, just to give you some idea how this breaks: We picked the good neighborhoods, if you will.. However, he worries about the future of evictions, especially for those most vulnerable. Email this Business. But what can you do? Weve got to do better.. celine dion net worth 2022; french brandy codycross; vassar men's volleyball; edith pretty rheumatic fever; britney spears basketball; presonus native instruments; are students considered residents for tax purposes; youssef joe'' berrada house. Housing experts say that many cases have been decided in the landlords favor when a tenant doesnt show up due to a technical glitch with video conferencing software. Like keeping renter's deposits when he shouldn't have, quality of living violations and not getting rid of pests. The net worth is $5 Million. Even before the pandemic, the relationship between landlords and tenants could be complicated. Youssef Berrada is a Manager at PwC based in London . Russell Stamper, himself a landlord, said:"He runs a tight ship. Raphael Ramos, an attorney for Legal Action of Wisconsin, notes that tenants hold foundational rights in Wisconsin. The first eviction was filed against JT in November 2018 for an unpaid balance of $400, 30% of which was late fees. Berrada, 49, started buying Milwaukeerental properties in the 1990s. Berrada has denied the charges, severalof which had previously been reported by the Journal Sentinel. Over the past eight years, city building inspectors have citedBerradaproperties with more than 1,300 violations, ranging from the mundane to the serious. ", "I started getting depressed," said Young, who was unemployed and on rent assistance. This year, Berrada companiespicked up fourproperties from Elijah MohammadRashaed, whose properties have been effectively placed in receivership as part of the city attorney's effort to drive him out of the business. ContactCary Spivak at (414)550-0070 [email protected]. Youssef Kerkour is a most popular Moroccan Actor. Youre dealing with a community that is poor and has low wages. Aviso de privacidad y Politica de cookies, Alemania y Austria, Australia, Espaa, Estados Unidos, Francia, India, Internacional, Japn, Pases Bajos, Polonia, Sudfrica, See more stories on Insiders business page, Private Equity Stakeholders Project (PESP, Frmula 1 para principiantes: lo que debes saber sobre la mxima categora del automovilismo. Sometimes Berrada is the guy landlords in trouble turn to when they need to sell in a hurry. The rent assistance funds flow from the federal government to the state to nonprofit organizations that distribute the money. Berrada, known as the boulder guy because he notably places big boulders surrounding his properties, is being sued by the states Department of Justice for fraudulent representation, unfair billing fees and allegedly causing pest infestations by conducting renovation projects in a negligent manner, according to the law suit. "SDCs rent assistance process is the same for every landlord and tenant," the nonprofit said in an email. Clarks eviction came when she was in between jobs. Young had leg surgery in 2016 and suffers from several chronic conditionsincluding heart and lung disease, chronic pain andvascular disease, according to letters written byhealth care providers she provided to the Milwaukee Journal Sentinel. The DOJ says many tenants who receive these notices reasonably understand this to mean they must move out of their apartment. The Milwaukee Journal Sentinel reported that while the state DOJ was preparing this case, Berrada collected nearly seven million dollars in rental assistance. When Does Dave Turin Lost Mine Start 2022, Loose Change Scratch-off Nj, What Are The Industrial Uses Of Gold, , Loose Change Scratch-off Nj, What Are The Industrial Uses Of Gold, In all, his companies own 292 properties with more than 3,600 units in the city. To know more specific about her net worth and salary follow the below table. In two cases November 2017 and June 2018 Berrada Properties was warned that a lease is void if it "requires payment by the tenant of attorney fees or costs in any legal action or dispute arising from the rental agreement.". . And when evicting Berrada always gets his money. In fact, the average 1973 hourly minimum wage (just over $4) would be equal to about a $24 average minimum wage today. At first conditions were good, Toliver said. Black renters are just wildly, disproportionately affected by eviction, said Hepburn, of the Eviction Lab. Michael Youssef (born September 25, 1948) is an Egyptian-American pastor. youssef joe'' berrada net worthplace value dice game printable. Need to report an error? It took her an entire year of applying to new apartment buildings before she found someone willing to rent to her. By the time the fourth eviction was filed, in Feb. 2020, it was over a $775 debt, 13% of which was late fees.

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