We are looking for a Real Estate Assistant/Manager to assist the Vice-President of the Company with growth and career potential. Duties include
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This column does not necessarily reflect the opinion of the editorial board or Bloomberg LP and its owners. To contact the author of this story: Eli Lake
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Mortgage Loan Processor II. Plymouth, MN. Schedule: Full-Time. Reports To: Mortgage Loan Processing Manager. Do you want a promising and
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Premier Kathleen Wynne's plan to slow down Toronto's red-hot housing market is a classic example of unintended consequences. While long-term
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Apple Inc. has appointed one of its top wireless software engineers the new head of its Chinese operations, as it tries to reverse a persistent sales
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Research by the Voice has revealed that a new healthcare finance company, Vi Healthcare Finance, Inc, was registered at the home address of Dr.
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Experienced Mortgage Loan Officer with Net Branch Opportunities Description: You are an experienced Loan Officer. You've been providing services
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A few years ago, it was popular for startups to follow the path forged by Uber and AirBnb, ignoring regulations and laws to build a business first and
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Valeant Pharmaceuticals International, Inc. logo Jefferies Group LLC reiterated their buy rating on shares of Valeant Pharmaceuticals International,
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Borg Real Estate has been a family business as Jason's wife, sister and father work to sell properties from Walkerston all the way up the Pioneer
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Washington (AP) — A representative of the Russian developer who partnered with President Donald Trump to bring the Miss Universe pageant to
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In 2014, Facebook acquired Oculus— virtual reality pioneer at the time—for $2 billion. Since then, Facebook has been pushing to bring virtual reality
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“Now all that's changed—there's been a major disruption,” says Mike Heller, founder and CEO of Talent Resources, in an interview with Fortune senior
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Kansas-based Sunflower Financial and Texas-based Strategic Growth Bancorp officially completed their merger, which was originally announced in
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Healthcare is an investment, a down payment on human infrastructure. The idea is straightforward enough: The medical R&D and other expenditures
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The federal government has proposed giving the prudential regulator the power to fire banking executives without going through the Federal Court as
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SoftBank Group's $3.3 billion acquisition of Fortress Investment Group is one step closer to being finalized after Fortress' shareholders approved the
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How bank regulation evolves and how banks respond to regulatory changes are top issues for global banking investors and market participants based
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The Northumberland National Bank would like to express a hearty THANK YOU to all our employees, customers and supporters who helped raise
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Presale housing projects totaled NT$351.53 billion (US$11.57 billion) in northern Taiwan in the first half of the year, a decrease of 19 percent from the
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Barclays has appointed Aaron Hawley as a business banking relationship manager and promoted James Clegg to captive insurance relationship
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Home buyers are in a tight bind. And Seattle's market isn't making it any easier. The median home price in Washington is rising and rising, and
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The Company is a significant supplier of both residential wire for interior electrical wiring in homes, apartments and manufactured housing, as well as
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Real estate agents have become so accustomed to seeing millennial first time house buyers at inspections once and then never again, that they don't
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Separately, ValuEngine cut shares of Concordia International Corp. from a “buy” rating to a “hold” rating in a report on Friday, June 2nd.
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TD Bank, which provided a $69 million loan to the previous owner, Westbrook Partners, assigned a $64 million mortgage to Aareal. The financing
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TOWSON, Md. (July 11, 2017)—Hamilton Bank is pleased to announce the addition of two key new employees: Retail Banking Manager, Michelle A.
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(Reuters) – U.S. telecommunications tower operator Crown Castle International Corp (CCI.N) said it would buy Lightower Fiber Networks for about
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Hulu CEO Mike Hopkins, one of the people responsible for answering those questions, joined Fortune senior writer Michal Lev-Ram onstage Tuesday
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Giving the committee the opportunity to pay off the chapel mortgage is a blessing,” said Mary Harris, Wilson County Black History Committee president.
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A Mississauga woman says she fell victim to a mortgage fraud and is stuck … The loan financing was provided by Manulife Bank, which was the first
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“A lot of people call them Generation Glass,” Georgiadis said on stage at Fortune's Brainstorm Tech conference in Aspen, Colo. “This is definitely a
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KAM Financial & Realty, Inc. Is a licensed A MORTGAGE BANKER, MORTGAGE BROKER AND A REALTOR IN CA LOAN OFFICER
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Isaac “Ike” Perlmutter has a new title at Marvel Entertainment, LLC. Formerly the company's Chief Executive Officer, he's now the Chairman of the Walt
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Principal Fin Grp Inc Inc reported 0% in New York Mortgage Trust Inc (NASDAQ:NYMT). First Financial Corp In holds 6,500 shares or 0.03% of its
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Mercedes-Benz has finally debuted the pickup truck it plans to bring to market, a workhorse-meets-luxury vehicle meant to appeal to a diverse group of
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… Nordic Cinema Group Holding AB and U.S. chain Carmike Cinemas Inc., were found to violate Chinese rules, Bloomberg reported this week. China
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7 will give officials some time to monitor economic developments and develop their views on the best path for QE. Economists surveyed by Bloomberg
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President Donald Trump nominated former Utah governor and onetime Republican presidential candidate Jon Huntsman Jr. as his envoy to Moscow,
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600 dollar loan the with and vision of We and those Review service a twin people with Review March there. from centers who improving we taken
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More than $100 million in one-time settlements and benefits that helped boost results may also be raising questions, says Bloomberg Intelligence's
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Low housing inventory and ever-increasing demand continue proving problematic for the Atlanta real estate scene. HYOSUB SHIN / AJC FILE PHOTO.
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Moody's said in a peer comparison report released yesterday that although the banks face a number of challenges, they have the capacity to weather
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On the campaign trail, Robinson said imposing a speculation tax to slow runaway home prices in Metro Vancouver and Victoria, and building 114,000
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The big four banks and Macquarie have rallied on Wednesday following the release of the banking regulator's new capital requirements and its
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Invesco Mortgage Capital Inc (NYSE:IVR) Shifting Institutional Investors … mortgage loans, and other real estate-related financing arrangements.
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Be the center of attention in this bold floral print dress. This style is ultra flattering and will complement all skin tones. O'Neill Women's woven tank
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A dispute over an alleged real estate flip has landed a B.C. family in court. … to participate in a “flip” regarding a waterfront property in Maple Ridge.
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CANANDAIGUA — Nothnagle Realtors and RealtyUSA are well-known real estate companies throughout the Finger Lakes region. Not as well known
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In the city of Boston, Boston Private Bank & Trust Company offers a First Time Homebuyer program, and “soft second” mortgage financing. Under its
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Bloomberg Businessweek Editor Megan Murphy examines the failure of the GOP's Better Care Act on “Bloomberg Markets.” (Source: Bloomberg).
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Bloomberg the Company & Its ProductsBloomberg Anywhere Remote …. Okay, @Delta, just sweetness & light from me. pic.twitter.com/sckEI6ddf0.
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Barry Diller, IAC and Expedia Inc. chairman, discusses the current political environment with Bloomberg's Erik Schatzker at the GBTA Convention in
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Wall Street has rewarded lax lending standards that let people get loans without verifying incomes or job histories. For instance, Santander recently
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Homebuyers could get bigger mortgages if the energy efficiency of properties were part of the lending criteria of banks and building societies.
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Mercedes-Benz, reeling from a massive recall over concerns about diesel emissions, is stretching its refined image with its first ever pickup truck,
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A ranking created by Fortune has named four local companies among the “Best Places to Work” in New York. Once again, Wegmans made the list.
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An Equal Housing Lender and member of the FDIC, U.S. Bank provides a comprehensive line of banking, brokerage, insurance, investment, mortgage
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It provides financial services including commercial and retail banking, financial management, insurance and mortgage services. It also provides life
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Donald Trump and Vladimir Putin had a second encounter while at the G-20 summit in Germany earlier this month that wasn't disclosed at the time,
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Speaking Tuesday at Fortune's Brainstorm Tech conference in Aspen, Colo., WWE chief brand officer Stephanie McMahon discussed how pushback
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Swissquote, a leading European banking group, has partnered with cryptocurrency exchange Bitstamp to add bitcoin pairs to its online trading
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Apply for loan with bad credit intensive, beginning leadership that The government country works work team of to and employees federal centers that
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Something changed in 2007, says Director of the Office of Management and Budget Mick Mulvaney in his introduction to “MAGAnomics,” a play on
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Gorman is working with multiple lenders and capital sources to secure financing. Those include mortgage loans, state and federal historic tax credits,
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Pugsley, a recent grad of the interior design program at KPU's Wilson School of Design, aims to design the future of real estate marketing by offering
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The government's bid to consolidate public sector banks (PSBs) through mergers to create big banks is fraught with risks as many big private banks
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The Business's primary business consists of acquiring, financing and … in loans receivable (consisting of four mortgage loans, one construction loan,
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… in attendance at the afternoon roundtable called Global Health: Better, Faster, Stronger at Fortune's Brainstorm Tech, underway now in Aspen, Colo.
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RALEIGH, N.C. (WNCN) – Raleigh police were on the scene of a reported robbery Tuesday afternoon on Hillsborough Street near Park Avenue.
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… in the second half of 2018 even as mortgage loans applications and approvals could be bottoming out, according to a Maybank Research report.
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Raymond James Financial, Inc. reissued a strong-buy rating and issued a $55.00 target price on shares of Tempur Sealy International in a research
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Both the new standardised approach to mortgage credit risk and the internal ratings-based approach recognise the LTV of mortgage lending (and,
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This position will be responsible for acting as lead for team that handles new mortgage loans and processing applications for purchase or refinance of
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“They just go in days,” says RE/MAX real estate agent Pat Wattam. … Petersen, who studied the market for the annual TRENDS in Real Estate seminar
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New rules governing the amount of money banks will need to keep in reserve should not significantly impact interest rates, Treasurer Scott Morrison
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July 18 (Reuters) – Tower operator Crown Castle International Corp said it would buy privately held Lightower Fiber Networks for about $7.1 billion in
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RCMP Const. Tracy Dunmore said officers have been sent to help communities under the threat of wildfires, including Ashcroft, Cache Creek, Williams
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Most recently, Megan was a top-producing originator with an independent mortgage company, while Brandon has been with New American Funding
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Invesco Mortgage Capital Inc Stock in Q4 2016 Driven by Institutional … mortgage loans, and other real estate-related financing arrangements.
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House Republicans are throwing up new roadblocks to a Russia and Iran sanctions bill over concerns from the energy industry that a provision could
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The governor of the Central Bank of the Philippines (BSP) believes his nation's banking system is “very robust”, with further improvements yet to come.
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The piece of non banking financial companies (NBFCs) space which is getting quite active is small finance. Watch accompanying video of
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The Federal Reserve bought $5.656 billion of agency mortgage-backed securities in the week from Jul. 6 to Jul. 12, compared with $3.683 billion
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I'm in abroad now.I forgot my username for logging in online banking.How can I solve the problem? – Let TD Helps show you how you can reach your
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A new online grocery store is selling food and other supplies all for the price of $3. The store, called Brandless, launched on Tuesday with generic
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(IP) shares were up 1.82% to $58.25 in morning trading Thursday after analysts at Goldman Sachs upgraded the company's stock to “buy” from
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We do not share audio recordings with developers,” the spokesman said. Fortune contacted Amazon for comment and will update this story as needed
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No Game of Thrones, no problem, for HBO following the 2017 Emmy nominations announcement on Thursday. Time Warner's premium cable network
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The Mortgage Bankers Association reported a 7.4 percent tanking (decrease) in loan application volume from the previous week. Bottom line:
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Median house prices across Otago continue to show annual gains, but cracks are appearing in the previously buoyant Queenstown Lakes district
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At Blend, we're passionate about removing barriers to create a frictionless lending environment that empowers consumers. We've seen that mobile
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“We believe that most investors remain skeptical that this growth is sustainable, creating a buying opportunity,” writes the analyst team. The firm lifts its
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It has, however, kept many of them from buying homes, according to a study by the Federal Reserve Bank of New York released on Thursday, July 13.
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Akbar Al Baker, the chief executive of Qatar Airlines, has apologized for calling U.S. flight attendants “grandmothers.” While giving a speech in Ireland
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Snap Inc., creator of the popular Snapchat social-media network, is partnering with billionaire John Malone's Formula One to let auto-racing fans use
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It didn't take long for Pritam Singh to learn a key lesson about working for Lyft. People are disgusting. They have a nasty habit of throwing up in moving
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A Royal LePage survey of housing prices for the second quarter of 2017 shows the cost of an average home in Edmonton went up slightly — 3.8 per
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/wp-content/uploads/2016/09/united-fidelity-bank-logo.jpg 0 0 United … Fidelity Bank2017-05-23 15:05:412017-07-13 15:01:57Fort Branch Careers
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For years, Wells Fargo (wfc, +0.85%) opened millions of sham customer accounts. Some customers were charged fees for accounts they never wanted
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Mortgage rates today opened lower than yesterday's, but the break may be short-lived. While Janet Yellen sparked demand for Treasuries after
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Anyone who's been on Nextdoor, the neighborhood social network, is probably used to seeing the occasional real estate listing pop up in their feed
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ETFs are in higher demand than conventional equities which has enabled some investors to earn income above and beyond the cost of investing
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**Price may not reflect real-time ticket price, prices are changed as ….. into real estate trends, market predictions and how Chicago's biggest sports
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Local banks managed to rank first among Europe's most profitable lenders, with a return-on-equity (ROE) of 15.6% at the end of the first quarter this
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The deal with the Federal Housing Finance Agency – the conservator of Fannie Mae and Freddie Mac – resolves claims regarding the issuance and
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It accused them of misleading Fannie Mae and Freddie Mac into buying risky mortgage-backed securities in the run-up to the 2008 financial crisis.
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DALLAS, Texas, July 13, 2017 (SEND2PRESS NEWSWIRE) — Supreme Lending, a nationwide mortgage lender, has announced that it is partnering
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As a car-buying concierge, Weintraub identifies cars for clients and negotiates the deals. Getting the sales contract — and all the financing terms
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In a copycat move that will come as a blow to Orange, rival Altice plans to launch its own online bank by early 2019 in the countries in its network
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FRANKFURT (Reuters) – European banks expect new accounting rules due to kick in next year to eat into their capital and push up the amount of
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… to Puerto Rico like those made to the Tennessee Valley Authority, New York City in the 1970s, Fannie Mae, Freddie Mac and Detroit recently.
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On the heels of the Bank of Canada rate bump, the real estate industry is calling for a delay to proposed new mortgage rules. Phil Soper, president
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Fiat Chrysler is closing its Detroit Viper factory after it decided to end production on Dodge Vipers after its 2017 model line. The factory, known as the
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President Donald Trump's proposed budget wouldn't balance within 10 years, contrary to the White House's claim, the nonpartisan Congressional
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Yes Bank gets another $150 miillion from OPIC to fund SME lending … “OPIC's facility will help Yes Bank expand its SME lending capacity, specifically
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President Donald Trump said his son Donald Trump Jr.'s meeting last year with a Russian lawyer was uneventful and that “most people in politics”
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Donald Trump's presidential campaign and Republican political strategist Roger Stone were accused in a lawsuit of conspiring with Russian
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Chaos. Infighting. Backstabbing. A new leader taking control as controversy swirls and new threats emerge to menace the nation's safety. Come to
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OTTAWA, July 13 (Reuters) – New housing prices in Canada climbed more than expected in May as prices continued to rise in the hot markets of
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… Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac), $5.5 billion (£4.2 billion),
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China imported about 445 million metric tons of iron ore in the first five months of 2017, according to Bloomberg Intelligence, of which just 1.1 million
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Liu Xiaobo, the Chinese Nobel Peace Prize-winner jailed for advocating an end to one-party rule, died from complications related to cancer after an
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NerdWallet has picked some of the best USDA mortgage lenders in a variety of categories to help you decide which is the right lender for you.
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SFSI is an independently-owned bank holding company with banking locations in Minnesota, Arizona, Florida. See our current job openings and
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Lower Monthly Housing Costs: By downsizing from a larger house with higher costs into a Parkbridge home, retirees can do away with existing high
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… stabilize insurance exchanges over a decade compared with an earlier version, according to a summary of the plan obtained by Bloomberg News.
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WESTFIELD — Westfield Bank announced that Richard Hanchett has been promoted to senior vice president/Commercial Loan officer. Meanwhile
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The public cloud arms race continued Thursday with news that Google has opened its latest cloud data facilities in London, a month after opening
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Over the past 15 years, the original EUROCATALYST event and today's AMERICATALYST and RENTING, THE FUTURE events have become an icon
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The European Union said Ukraine isn't tackling corruption quickly enough as delayed reforms hold up the flow of financial aid to the former Soviet
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According to the Mortgage Bankers Association's (MBA) Weekly Mortgage Applications Survey for the week ending July 7th, 2017, mortgage
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Less than 30 minutes before President Donald Trump rolled up at the Invalides complex in central Paris, Emmanuel Macron and Angela Merkel used
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Take a recent scoring of the chances we'll see house price declines. Orange County is the fourth-riskiest housing market among the nation's 50 largest
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J.C. Penney (jcp) CEO Marvin Ellison was not kidding when he said he wanted to make the department store retailer less reliant on apparel.
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The U.K. said it could be on the hook for payments to the European Union's atomic regulator. Ownership of cameras, seals and other detection
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This house in Cupertino listed for $1,300,000 and sold for $1,515,000 — $215,000 above the asking price. A new Redfin report says the Bay Area is
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Home sales in the D.C. metro area rose 6.3 percent to 27,802 during the first half of the year, according to figures reported July 11 by RealEstate
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Apple's next big handset release might be delayed due to some problems in the supply chain, analysts predict. Bank of America Merrill Lynch analysts
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Watson Realty Corp. agents and sales teams have reason to celebrate after many were named to the REAL Trends list of America's Best Real Estate
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After six seasons of warring families, countless deaths and mounting menace, winter has finally come to Westeros in HBO's hit fantasy series Game of
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Federal Reserve Chair Janet Yellen appeared before the Senate Banking, Housing and Urban Affairs Committee Thursday for her second day of
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VANCOUVER — The British Columbia Real Estate Association says June home sales fell short of record levels set last year but demand remains well
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'The enormity of the directive hasn't been lost on them but it seems many banks are struggling to grasp this. When it comes down to it, it's actually very
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WASHINGTON (Reuters) – More Americans were keeping up with their mortgages at the beginning of 2017 but the number of foreclosures is also on
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Education Secretary Leonor M. Briones on Wednesday stressed the need for public-school teachers to have financial literacy, as she lamented the fact
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Nifty ends at record high as banking, FMCG stocks gain … points to close at life-time high of 9,891.70 as banking, oil and FMCG stocks advanced.
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The French government said on Thursday it would appeal against a court ruling in Google's favor with regard to 1.1 billion euros ($1.25 billion) in
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Shmerling: What led you to choose a career in real estate? Steinbeck: … Shmerling: What are some current trends in real estate? Steinbeck: One trend
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PROCESS: To verify, we reached out to Senior Loan Officer, Daniel McCoy, at MVB Mortgage, as well as several other loan officers from different
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There has been some buying insider activity on Tempur Sealy International, Inc (NYSE:TPX) recently. Director Usman Nabi bought 100,000 shares at
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There's a fortune to be made crunching stats in a post-Moneyball world, and the potential for profit extends far beyond baseball, into everything from
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PARIS (Reuters) – French billionaire Patrick Drahi plans to launch an online bank by early 2019 in the European countries where his telecoms and
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Investors continue hearing about the growth of fixed income exchange-traded funds (ETFs). Year to date, bond ETFs have set a record with $84 billion
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A mortgage preapproval is a conditional commitment from a lender that says you can get financing for a specific mortgage amount, as long as the
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Two Harbors Investment Corp. is a mortgage REIT focused on investing in, financing, and managing residential mortgage-backed securities, or RMBS,
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Jan-Hein Pullens and his team produce AR content for clients in the home furnishing and real estate industries – and demand for their work may
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In a statement to Fortune, an Amazon spokesperson said that the company has “nothing to share on other products.” The spokesperson added
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Oil traded above $45 a barrel as investors assessed a report from the International Energy Agency, signaling it was less confident that global markets
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Poland's ruling party is accelerating a judicial overhaul that gives politicians more sway in court matters, defying criticism by its European Union
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Chief executive officer, as a formal title, didn't appear among large US companies until the 1950s, when it was adopted by the Container Corporation
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TPG Real Estate Finance Trust, a TPG-managed mortgage REIT focused on commercial real estate debt, announced terms for its IPO this week.
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Avison Young is the world's fastest-growing commercial real estate services firm. Headquartered in Toronto, Canada, Avison Young is a collaborative,
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KCP&L responded that Wood failed to meet deadlines to make multi-million dollar deposits with a title company to close on the purchase.
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The housing market in Northern Ireland is currently the strongest in the UK, according to new research. Surveyors and estate agents have reported a
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Tech-savvy mortgage broker Sindeo is back in business, following an acquisition by Renren, a Chinese social media company and investor in a
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Foreclosure activity deviated from its recent trend, posting the first quarterly increase in two years, according to the Office of the Comptroller of the
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The Dodd-Frank Wall Street Reform and Consumer Protection Act and the third Basel accords' restrictions on lending have made it more appealing
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… real estate transactions, today published the findings from a new study exploring the future of homeownership demand in the U.S., titled “Six Trends
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BEIJING, July 13 (Xinhua) — The organizers officially announced on Thursday that Bank of China becomes the official banking partner of the Beijing
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Investors Title Company is an insurance holding company. The company has market cap of $350.32 million. The Company, through its subsidiaries,
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Private sector Yes Bank has received another round of USD 150 million funding from US government and Wells Fargo to fund SME lending. This is the
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A bag containing dust and rocks from the lunar surface is expected to fetch some astronomical bids when it goes up for auction on July 20. Sotheby's
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IN 2008 Ethiopia's conservative central bank experimented: it authorised interest-free banking. Interest is prohibited under sharia law, so the move
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The company predicts that Chinese investors will pour some $1 trillion (C$1.27 trillion) into real estate around the world over the next decade, of which
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Perry Ellis International logo Perry Ellis International Inc. (NASDAQ:PERY) has earned an average rating of “Buy” from the eight analysts that are
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Bulb Nanny is one of more than 20,000 small businesses that have borrowed from Amazon. The company is lending more than ever recently — with
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CHICAGO — MB Financial Bank was named by mortgage originators resource Scotsman Guide as one of the nation's top mortgage lenders in 2016.
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“The first call shouldn't be to a realtor,” says Jim Sahnger, a mortgage loan originator with Schaffer Mortgage Corp. in Palm Beach Gardens, Florida.
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Default rates “increased significantly” between April and June, and lenders expect rates to increase further on credit card lending in the third quarter,
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WASHINGTON–(BUSINESS WIRE)–The Federal Home Loan Bank of … is a founding member of the Texas Affiliation of Affordable Housing Providers,
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Amazon, the eCommerce giant, is gearing up to add the option to hire real estate agents via its professional services marketplace. According to a
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Insider Trading is buying and selling of a security by a person who has access to material information related to a security that is not available to
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Shares of Ranger Direct Lending Zdp Plc (RDLZ.L) is moving on volatility today 0.00% or $0.00 rom the open. The LSE listed company saw a recent
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The Durst Organization secured a $1 billion financing package from a group … The package includes $600 million in mortgage debt on five Manhattan
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UIDAI asks banks to open Aadhaar enrolment centres on premises … Moreover, locating Aadhaar centres within bank premises will ensure that the
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Raymond James Financial Services Advisors Inc. boosted its stake in New York Mortgage Trust by 1.3% in the first quarter. Raymond James Financial
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“Our mortgage clients are reaching out daily for strong talent to join their teams! This is a real indication that mortgage job openings remain hot and a
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In the technological age of today, you never reach the point where you can stop adapting. Franklin American Mortgage Co. has made its latest
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Business & Real Estate: Buying beats renting every time … You have to create a checklist and on the left side place “Buying Benefits” and to the right, … as a Graduate Realtor Institute and Certified International Property Specialist.
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Commercial and Industrial lending is down within the past nine months, according to a recent article in American Banker*. The impact on the bank
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Cosmo DiNardo, 20, is described as an heir to vast real estate holdings of his family. But according to the Philadelphia Inquirer, Russell sold guns and
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This is expected to affect only borrowers with loan to value (LTV) ratios of more than 75%, and in particular those with a LTV ratio of more than 90%.
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When the words on the page get a little fuzzy, picking up a cheap pair of reading glasses is easy enough. But if you're missing parts of conversations,
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Federal Reserve Board Chair Janet Yellen is pushing back on Republican efforts to ease certain post-recession regulations on banks intended to
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SAN FRANCISCO, July 13, 2017 (GLOBE NEWSWIRE) — Zephyr Real Estate has consistently provided its agents with the latest in marketing
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The Ryan Smith Home Selling Team of Keller Williams Advantage was named one of America's top real estate teams by REAL Trends, as advertised
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Homebuyers in the UK spent a cumulative 100,000 years waiting for mortgage applications to be processed in 2015, according to research by Dwell.
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Law360, New York (July 13, 2017, 12:05 PM EDT) — Several significant developments have transpired in the world of unclaimed property law that
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After years of being resented for taking too big a cut of sales, Visa is now falling over itself to be nice to small businesses. The company that processes
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