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SFWoman, I flew from Taiwan to Hong Kong last year. They managed to squeeze a full lunch on a 90-minute flight. I was NOT flying business or first.
I think only some airlines are bad.
Not for long they won't be. There's a whole bunch of discount asian airlines that are now finally really getting into the full swing of things.
They're at where RyanAir was many years ago. When they reach the RyanAir stage - watch out!
It's only a matter or time.
eburbed,
I flew British Midlands from London to Edinburgh once. They served lunch. It was simple, a sandwich, crisps and a beverage. The stewardess handed my husband the lunch box and he asked "What type of sandwich is it?' and she replied, 'Oh, it's cold lamb liver.' My husband said, 'Oh, I'm a vegetarian, do you have anything else?' (He's not, but that was an acceptable lie, IMHO). She gave him the cheese and Bransten pickle sandwich.
Who on earth thought, 'Hmmm, let's go with a sandwich everyone is sure to love. I know, cold slices of lamb's liver.'?
George Bush is a Stalinist...
How do you like being in the same camp then?
What can be expected of them other than promoting sales?
Not much --they are all salesmen. But when the guy from Morgan Stanley gets 10-20 for backdating a few stock options, while my local Realtwhore can go on stating "it never goes down" or "20% a year is in the bag" as FACT with NO repercussions, something is seriously F&#%ed up.
Fraudulent behavior is another issue and should be punished, but fraud is not what causes mass hysteria during market bubbles.
Partially disagree on this point. AG's 1%, risk-offloading via Fannie/Freddie and other government subsidies are what really got the ball rolling here --that much I agree with. But MASSIVE FRAUD and reckless speculation at all levels of the money chain at the very least hugely contributed to the enormous size and longevity of this bubble. And of course, let's not forget the look-the-other way, nod-nod/wink-wink complicity at all levels of government by our beloved "regulators".
There’s no saving someone from self destructive behavior.
True, but at least force the *idiot* or the *idiot's lender* to foot the bill for their stupidity --not me.
Who on earth thought, ‘Hmmm, let’s go with a sandwich everyone is sure to love. I know, cold slices of lamb’s liver.’?
I remember in grade school I always wondered why the British were out at sea looking for tea and spices.
And then I visited England and had a meat pie.
DS,
W isn't a Stalinist. I agree that he represses dissent and opposing viewpoints and tends toward dictatorship, but Stalin was just mad about communism, and I don't see W putting forward any ideas on doing much to spread the wealth to the common man.
Who is the guy with the orange Man Tan in the top left photo on this thread?
eburbed,
I have had good meat pies. I have also had bad meat pies. I like good cornish pasties.
England had great Indian food. I went to a couple of fantastic places in the East End. I actually ate well when I lived there.
@SFWoman,
Hover your mouse over the photo and the identifying caption will show.
Not much –they are all salesmen. But when the guy from Morgan Stanley gets 10-20 for backdating a few stock options, while my local Realtwhore can go on stating “it never goes down†or “20% a year is in the bag†as FACT with NO repercussions, something is seriously F&#%ed up.
Backdating options is dramatically worse than just lying about stats. The victim, shareholders, aren't even there to defend themselves. That's outright theft.
Lying Realtors on the other hand at least have to have the chutzpah to tell you that "it always goes up".
I'm going to have to take the side of the drug dealers on this one: The Sheeple are to blame. They didn't have to buy the product.
Speaking of sheeple:
http://news.yahoo.com/s/nm/20070125/hl_nm/rampant_consumerism_dc
From that piece:
James freely admits that interviewing the affluent in Sydney was a depressing job, calling it "the Dolly Parton of cities in Australia, the most vacuous."
I know next to nothing about Sydney - what's going on there??
@cruzpo & eburbed,
Perhaps that was a poor choice for direct comparison. How about hawking your own real estate to buyers w/out disclosing that the "seller" also happens to be a good "friend" who also happens to be a flip partner. Or presenting shill bids as real ones? Or running a scam where you use the identity of a homeless guy to buy multiple properties with big cash-backs, then split town?
Stockbrokers are also not allowed to provide rosy "guarantees" of stock appreciation, are they? When I see "Past performance is no guarantee of future results" across EVERY piece of Realtor propaganda, that's the day I'll change my mind.
Borat is actually more Turkish/near Eastern in character, it's a bit of a copy of this man, who should be demanding co-royalties... kazakhstanis are more asiatic in constitution, principally due to genghis khan...
cruzpo Says:
Greed, Keeping up with The Jones’s and ignorance have driven this real estate market on the buyers side. What can be expected of them other than promoting sales? Fraudulent behavior is another issue and should be punished, but fraud is not what causes mass hysteria during market bubbles.
Absolutely right. You can't attribute the housing boom we've seen in many countries to fraudulent or illegal activity -- that would mean that every inflationary transaction was somehow fraudulent. There have certainly been instances of fraud, and cashing in, and misrepresentation, but the boom has been driven by greed, fear, easy credit, and so on... a case where the 'invisible hand of the market' has certainly not operated in a constructive or healthy way...
eburbed Says:
I know next to nothing about Sydney - what’s going on there??
Next to nothing...
(that was the short answer ;) the long answer would be longer...)
HARM, do the 'cia1is' posts go to the moderation queue, or to the bit bucket? Don't want to retype :(
Eliza Says:
> Big “L†Libertarianism always strikes me as a bit
> solipsistic. How did so many people get that way?
Most Libertarians are self reliant, but they are not solipsists…
The world would be a much better place if we had more Libertarians (who take care of themselves and never blame anything on anyone else). As a kid I often blamed others for my problems. I think it was around the year that I struggled through Atlas Shrugged for the first time that I stopped blaming others and took full responsibility for everything that happens in my life…
P.S. Since Libertarians generally all have the “teach a man to fish†outlook on life they tend to be not only generous with their time and money but will actually “solve†problems…
Different Sean Says:
> George Bush is a Stalinist…
I’m betting that he would not agree with you (at least in a televised interview)…
Then SFWoman Says:
> DS, W isn’t a Stalinist. I agree that he represses
> dissent and opposing viewpoints and tends toward
> dictatorship
I’m no GW fan, but come on what does he do to actually “repress†opposing viewpoints. I just typed Bush and Idiot in to Google and got 1.8mm hits…
how many 'self-reliant' Libertarians rely on income from investment properties or jobs, paid by others? so-called big L Libertarians as put forward overlook the network of interdependencies that props them up...
e.g.
"Dr. Anna Yeatman rejects the traditional liberal theory, stemming from John Locke and Jean-Jacques Rousseau, that individuals exist naturally and that the goal of the state must be to enable individuals to express their own nature.
"The individual isn't just already 'there'. A self-determining individual is a complex achievement on the part of government, society, and the individual. In this sense, the individual has to be made. There has to be an entire infrastructure of support that prompts, prods, and facilitates you to become a self-determining individual," Yeatman said."
SFWoman Says:
> Who is the guy with the orange Man Tan
> in the top left photo on this thread?
He is Angelo R Mozilo the CEO of Countrywide.
He is smiling since he will soon make more than $100mm over a 5 year period (most of us would have a big smile if we made half that much)..
http://www.forbes.com/static/pvp2005/LIR7G33.html
P.S. What is the difference between an “Orange Man Tan†and the “Orange Glow†that “tanorexic†women have?
Alright, George W is a failed imperialist then... and a laissez-faireist...
I'm just playing here -- I wrote a reply to put this stalinist nonsense to bed, but it got sucked up into the moderation queue, so I'll take a moment to rewrite it if necessary. I know full well what Bush is, don't worry...
I’m no GW fan, but come on what does he do to actually “repress†opposing viewpoints.
One university where GWB was going to speak told their students that if anyone protested or did anything to upset the prez while he was there, they would be de-enrolled.
There is so much stage-management going on in politics it's not funny, overtly and covertly. There are assumptions and understandings and alliances and old boy networks that are played on, not to mention outright threats. Look how 'press conferences' are managed, or how journalists are 'embedded'. The so-called 'liberal media' is owned and managed by crony Republican interests more often than not. What about Ronald Reagan running press conferences at 200 yards remove? How does Bill O'Reilly handle opposing viewpoints?
Then there's Repub rottweilers like Coulter who was actually PAID to speak at the 'University' [sic] of Texas, and any protestors were arrested and charged for the slightest thing...
Punchbowl,
It's a gray area depending on your specific licensing but recent changes in securities law during Harvey Pitt's tenure have firmed fiduciary responsibility considerably. If you're a 7 AND 65 whichever has the higher fiduciary burden is the one that applies.
The CFP (TM) (CERTIFIED Financial Planner) community raised an unholy stink b/c a lot of 7's were putting "Financial Planner" or "Financial Consultant" on their business cards. They sued to get them off. Only the mighty wirehouses (Merrill, SSB) were able to keep them tied up in court while they MANDATED everyone have their 65 or CFP (TM) designation within ___ months/years of hire. This internally driven additional fiduciary burden was designed to render the CFP (TM) legal case obsolete!
For even MORE boring details see the broker forms at www.rrmag.com. Bill Singer is the recognized authority in registered representative/broker dealer law. The big difference between the NASD and NAR is that where the NASD is concerned you are presumed GUILTY until proven innocent. Securities litigation is enormously expensive so it's just too easy for the firm to CTC (cut the check) to the client and let the stockbroker go. Once your U-4 is in any way tainted you are considered "radioactive". No employer will even go near you.
HARM,
Excellent thread btw.
When we look at the actions yesterday coming from BofA and CitiGroup offering to re-fi over extended "loanowners" into fixed rate mortgages it really sends mixed signals.
Again it isn't my intent to lean to heavily on securities analogies but one of the cornerstones of securities law is that "I" (as a stockbroker) can *not* participate in your profit NOR cushion your loss! It's always been that way. Isn't BofA's actions kind of like saying "Oh, you're going to continue to incur margin calls with the stocks we sold you so why don't we "exchange" them for less volatile stocks, at no charge of course!"
WTF?
When you sign a margin account agreement you are certifying that you are able to COVER those calls. If you can't even cover ONE it's pretty obvious that you, your broker (or both) are fibbing.
To me (and I could be dead wrong here) this is being done by the banksters to forestall intensified scrutiny they saw us go through! I don't know if you guys are aware of this but stockbrokers went went from being the top of the financial services food chain to the absolute bottom. Too much easy money to be made elsewhere w/ 1/10th the hassle! You have no idea how many guys I know that have left the sec. business over the last 5 years specifically b/c of the scrutiny. Not that they had anything to hide, they just couldn't deal w/the whole "presumed guilty" attitude. You have to be able to justify virtually every decision you make THAT DAY! They can hold up your commissions for the SLIGHTEST paperwork infraction.
Unfortunately I think most people still have this "wild west" impression of the industry b/c they rented "Wall Street" w/Charlie Sheen (the 80's) or "Boiler Room" (the 90's) w/Vin Diesel.
Go to the NASD web-site and check out "Monthly Enforcement Actions". It's so bad (and so obvious) that a lot of these guys are more the victims of office politics than taking a client's money! It's such a witch hunt that dropping a dime on somebody to get "their book of clients" has never been easier!
DinOR,
In the old days, a form ADV and $100 was enough to register as an investment adviser. Now they make you pass a 65 exam. In any case, you're a fiduciary.
Except in unusual fact situations, a 7 registrant has no fiduciary duty. A 7 is a salesman. HARM's complaints about realtors getting a free pass by comparison are, I think, a little naive. I believe there are 7s all over the country who routinely tell customers that XYZ is a sure thing. They're not stupid enough to put it in writing but not all that many realtors put their assurances of sure things in writing either.
I admit that there are laws that forbid front running a customer. I suppose HARM could want similar restrictions on realtors front running their customers but that's much harder to enforce. Besides, I'm going to take much guilty pleasure in coming years as realtors end up holding the bag on property that they "cleverly" picked up before any member of the public was given a shot.
HARM, aren't there already laws about fraud and lying and breach of contract and whatnot? What more do you need?
If the existing common sense laws are applied, that alone would take care of the crooks involved.
The rest is caveat emptor. As tempting as it might be, the government is not the solution. In fact, it is the problem.
Redeveloping govt land ... Putting on price covenants ... Using low or not for profit developers ...
At which stage are you planning to liquidate the kulaks?
I Said:
> I’m no GW fan, but come on what does he do
> to actually “repress†opposing viewpoints.
Then Different Sean Says:
> One university where GWB was going to speak
> told their students that if anyone protested or did
> anything to upset the prez while he was there,
> they would be de-enrolled.
Wow, One (1) University threatens to kick out kids that protest Bush (for the hour or so that he was actually on campus). Almost every University in the US has left leaning speech codes that will kick out kid for saying things that are not PC to the left.
> There is so much stage-management going on
> in politics it’s not funny, overtly and covertly.
True, but “Stage-Management†is done on both sides of the aisle.
> The so-called ‘liberal media’ is owned and managed
> by crony Republican interests more often than not.
There are Republicans with ownership and management jobs in the mainstream media, but most (way over 50%) of the people that own and run the mainstream media (even if you include Fox the only major network that leans to the right) are registered Democrats.
Since the students could have held a “Bush is Evil†rally every day after he left the campus, started their own Bush is Evil BLOGs, and rented billboard space that said “we have an opposing viewpoint to the President†I don’t see how the school (or GW) actually “repressed†any opposing viewpoints…
I’m no GW fan, but come on what does he do to actually “repress†opposing viewpoints.
That was poor phrasing. I'd say that W's administration has encouraged a culture of Freedom of Speech suppression.
Using the Secret Service to screen out people people with opposing views is one example.
But here's an example that's near and dear to my heart - because I've been tempted to do this as well:
http://www.flyertalk.com/showthread.php?p=6440005
Yesterday, while discussing the new rules a fellow Flyertalker suggested we write "Kip Hawley is an Idiot" on the outside of our clear plastic quart bags. So I did just that.
At the MKE "E" checkpoint I placed my laptop in one bin, and my shoes, cell phone and quart bag in a second bin. The TSA guy who was pushing bags and bins into the X-ray machine took a good hard look, and then as the bag when though the X-ray I think he told the X-ray operator to call for a bag check/explosive swab on my roller bag to slow me down. He went strait to the TSA Supervisor on duty and boy did he come marching over to the checkpoint with fire in his eyes!
He grabbed the baggie as it came out of the X-ray and asked if it was mine. After responding yes, he pointed at my comment and demanded to know "What is this supposed to mean?" "It could me a lot of things, it happens to be an opinion on mine." "You can't write things like this" he said, "You mean my First Amendment right to freedom of speech doesn't apply here?" "Out there (pointing pass the id checkers) not while in here (pointing down) was his response."
At this point I chuckled, just looking at him wondering if he just realized how foolish that comment was, but I think my laugh pushed him over the edge as he got really angry at this point. A Milwaukee County Sheriffs deputy was summoned - I would have left at this point, but he had my quart bag with my toothpaste and hair gel.
When the deputy got over the TSA supervisor showed him the bag and told him what had happened to that point. After he had finished I started to remind him he had left out his statement that my First Amendment rights didn't apply "here" but was cut off by the deputy who demanding my ID. I asked if I was under arrest, and his response was "Right now you are not under arrest, you are being detained." I produced my passport and he walked off with it and called in my name to see if I had any outstanding warrants, etc. The TSA supervisor picked up the phone about 20 feet away and called someone? At this point two more officers were near by and I struck up a conversation with the female officer who was making sure I kept put. I explained to her who Kip Hawley was, why I though he was an idiot, and my surprise that the TSA Supervisor felt my First Amendment rights didn't' apply at the TSA checkpoint. She didn't say much.
After he was assured I didn't have any warrants out the first office came back and I had my first chance to really speak, I explained that I was just expressing my opinion and my writing should be protected my by First Amendment rights. When he didn't respond, I then repeated that the TSA Supervisor stated my First Amendment rights didn't apply at the TSA check point and I asked if he (the deputy) agreed that was the case. He responded by saying "You can't yell fire in a crowed theater, there are limits to your rights.
At this point I chucked again
I asked how this was even remotely like shouting "Fire" in a crowd, and his answer was "Perhaps your comments made them feel threatened."
At about this point the TSA Supervisor finished up his phone call, and summoned the officer back over. They talked for about 2 minutes, and then both came back over. The officer pulled out his pad and asked for my address and I asked why he needed it. "For the report I have to file since I was summoned here" I started to give it, when I noticed the TSA Supervisor was writing it down as well, so I stopped and asked why he needed it. He said he needed to file an incident report too, and I took the opportunity to ask what the resolution of the incident was, did I do anything wrong? Are you going to ask the officer to arrest me? He said no, I was free to go, but he was going to confiscate my bag. I asked "If I did nothing wrong, why would you take my bag" He pointed to a posted sign that said something about reusing plastic bags (the MKE TSA was providing quart sized zipper bags to pax today) I let him know that I had brought my bag from home and would not be letting him take it. He then asked for permission of photograph it, which I agreed too.
While he walked away to get the camera I finished giving my address to the deputy, and he told my "You're free to go" Total time, about 25 minutes
After the TSA Supervisor took the photo I followed him back to his desk - he had a pretty shocked look on his face when he turned around and saw me there, and we talked for about 5 minutes, but when he rolled his eyes at me I quickly realized that he wasn't going to listen to anything I said.
I am libertarian but also a cynic. Give ill-prepared people enough freedom, and the rest of us wind up paying for their mistakes. We'd all be better off if every high school included as part of its curriculum mandatory classes on personal finance and other practical life skills. Sure such classes would not prevent all the financial stupidity that occurs around us, but it is a shame that folks are sent into the adult world without much preparation to make adult decisions.
B.A.C.A.H.
2007 Jan 25, 2:51pm
I don't know what they mean when they say FB, but I can tell in the context that it is sarcastic.
Well I suppose that the ultimate buyer is the person who buys the income stream when he sells the money that's borrowed for the house. He is the buyer who oughta beware. If those mortgages are insured then maybe its not even the lender who's on the hook. Maybe it's the taxpayers. And in that case if there's too many broken FB's (whatever FB means) then it'll be the non-FB's who will wind up paying the extra taxes. So we oughta buyerbeware when we vote.
HARM :
Excellent rant. Very difficult questions to tackle.
I would first break the responsibility into 2 groups legal and ethical. even as per current laws, legal responsibilities were broken and various frauds have happened. How many would be prosecuted, and how many will be made to pay, is still unclear.
As far as ethical responsibilities, hardly anyone behaves as if there is any. Lenders, appraisers, brokers, realtors don't have any notion of ethics and many buyers/sellers were willing participants. This is where we can say that current laws are inadequate. They definitely need to be changed as it affects life of innocent bystanders like us.
Question is what can we do about making a change ? We are in complete minority.
Dear Sweet Amerika Hating HARM,
What about all that new cock length equity I've heard about?
No matter who *should* have done what, the buyers MUST be blamed. I really have no sympathy for stupid people - especially when their actions have negatively affected my life.
Remember the story posted a couple of threads back ? The couple which had a house, multiple vacation time-share properties, 100K income and still facing bankruptcy ? After being offered a plan to get out of debt, +ve net worth and a plan to start saving decent money - the wife "was not as enthused" ! She said "We won't have the house and only 3K" !! That summed up the cause of the bubble for me. I don't think I have come across any story more disgusting than this.
To some extent this bubble was necessary to separate the fool (like this horrible woman) from the money. I know a lot of well-intentioned people will also be in financial trouble. But some like those in the story very much deserve what they are getting.
OK. One part is assigning the blame. Other part is how this mess will be cleared ? Will we finally let the free market take care of this on its own at its own pace in its own way ?
Sometimes I wonder if the "bailout" bloggers keep mentioning is not just a doom and gloom conspiracy theory.
http://biz.yahoo.com/ap/070125/congress_credit_cards.html?.v=1
Democratic lawmakers challenged credit card executives Thursday over rising late fees and other penalties and marketing practices they portrayed as predatory.
...
This is about credit card debt. I think most people would dismiss this by blaming the people who abuse their credit cards. But the story is alarming. It won't be that difficult to stroke a sympathy wave for "honest hard-working American people, who just want to realize their American dream". Especially, if they are in majority.
What kind of bail-outs might be proposed and what can we do to defeat it ?
Punchbowl Says:
Redeveloping govt land … Putting on price covenants … Using low or not for profit developers …
At which stage are you planning to liquidate the kulaks?
What's wrong with that? Those things are already being done, including in SF I might add -- see how the Fisherman's Wharf project was implemented -- and similar things in Oz and UK. The govt at the very least can do what it wants with its own property, thanks very much... The greatest tragedy is when govt sells off its land holdings to developers at the height of the boom to cash in...
Those approaches produce affordable housing for people who need it. It's better than just sitting back and watching and waiting to see what's going to happen next...
Punchbowl is increasingly looking like some sort of RE specuvestor troll in it for the money...
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Quite a lot of debate among us Amerika-and-success-hating Patrick.netters has focused on where to lay the responsibility for the current housing bubble crash (which doesn't exist, btw). For most of us, it's not a strictly either/or binary choice between sellers or buyers, or lenders vs. regulators. There is plenty of blame to go around, and sometimes it seems very hard to sort out exactly who was responsible for what part of this slow-motion train wreck we've been spectators to.
However, I've noticed a recurring theme among some of the big-"L" Libertarians* here and elsewhere: the belief that most (if not all) of the blame and responsibility deserves to be lain at the feet of f@cked borrowers. (*disclaimer: I consider myself a small-"l" libertarian who thinks some regulation of the right kind is not only desirable, but necessary for "free markets" to function in a way that benefits everyone --not just banksters and crooks).
Now, I'm as pro-caveat emptor as the next guy, and I sure as hell do not have much sympathy for lazy, greedy clowns like Casey Serin or Howmuchamonth retards who "can't" even try to understand the terms of a mortgage before signing their names. But somehow, the idea that the banksters, bubble-blowing Federal Reserve, fly-by-night mortgage brokers, hit-the-number appraisers, "it only goes up" Realtwhores, and assorted other professional crooks and lying scumbags have NO responsibility whatsoever beggars belief.
No one put a gun to anyone's head --this is true. But it's also true that no one asked ME whether or not it was *good idea* to start handing out unsecured $million-dollar neg-am loans to unemployed 24-year-old con artists. It's also true that if I choose to buy in the current market, I have *no choice* but to compete against unemployed 24-year-old con artists with unsecured $million-dollar neg-am loans. And guess who's more likely to win that bidding war? Anyone...?
Oh, and thank God for renting. Without it, my only other "free will choice" for shelter would be pitching a tent in the local park or living out of my car.
I completely agree that I, as a prospective buyer, have a certain responsibility to educate myself about any deal --and the risks-- before entering into it. And I agree that there is no risk-free transaction. However, I --like most people-- am not a professional real estate expert nor a financial wizard. Don't I have *some right* to expect that the people who are legally employed as market "professionals" behave in a marginally professional and lawful way (i.e, not trying to anally rape me at every opportunity)? Don't I, as a citizen, have *some right* to expect that the people who I've voted into office and whose salaries I'm paying (Congress, President, state legislators, etc.) will "regulate" on my behalf occasionally ? At the very least, shouldn't I be able to expect them NOT to rig the system to reward my being ass-raped and then hand a jar of Vaseline to my attacker? Am I being ridiculously naive here?
In any voluntary transaction, there are always at least two parties involved --a buyer and seller-- whose actions (ethical or otherwise) will affect the outcome. And when it comes to most mortgage transactions, there often is as many as 5 directly interested parties:
(1) MBS-NAAVLP retail broker/lender (sub-contractor),
(2) realtwhore (acting as seller's agent),
(3) hit-the-number appraiser,
(4) seller,
and lastly, (5) the buyer.
Add to that 3 additional parties that --while not directly involved in any particular RE transaction-- largely determine how the macro-liquidity game is rigged, and in whose favor:
(1) rate-manipulating, bubble-blowing Fed,
(2) MBS investors and foreign central banksters (who front NAAVLP money to retail lenders),
(3) complicit and/or asleep-at-the-wheel Congress & state government.
Consider your average American. Consider your own brother or sister. Do you think think bro/sis really has the financial prowess and intellect to single-handedly defeat a game systematically rigged over decades to favor all the other parties against them? When all the "experts" are using huge marketing budgets, FUD, blatantly manipulated data and government backing that "proves" what a sweet deal the American Dreamâ„¢ is vs. "being priced out forever", what chance does s/he stand on her own? I mean, you're the only one saying otherwise, and your opinions don't count because you're a lowly JBR, right?
Let's be realistic. I'm always rooting for David, but when he's facing 7 Goliaths and God's taking a siesta, his odds don't look so good.
Come to think of it, should I be responsible for policing my own neighborhood, too? Or running my own court system and jails? Have we grown so jaded about being being raped by the very pols and "regulators" (supposedly elected to serve our interests and uphold the law) that we've forgotten WHY they're supposed to be there in the first place?
I forget --aside from lining their own pockets, what exactly is the purpose of government again?
Just wondering aloud...
HARM
#housing