Investors sentiment increased to 1.11 in 2017 Q2. Its up 0.16, from 0.95 in 2017Q1. It increased, as 34 investors sold Fortune Brands Home & Security
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ICICI Bank Ltd, the country's biggest lender, reported a 34 per cent decline in profit during the July-September quarter as income fell and a higher
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PROVIDENCE, RI – Citizens Bank announced today that Citizens Commercial Banking has provided a new $60 million credit facility to Manhattan
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Asked whether Labor would move any motions on a banking royal commission, she replied: “We will consider this option … There is no secret that we
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Housing prices have indeed skyrocketed, median rents are higher in California than other states, and many Californians spend too much of their family
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Zacks Investment Research downgraded Triton International Limited from a “strong-buy” rating to a “hold” rating in a report on Wednesday, October
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STRBSKE PLESO, Slovakia — Slovak Finance Minister Peter Kazimir said on Saturday the euro zone should speed up completion of a banking union
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Bill Gates famously said in a 1994 speech at a Bank Administration Institute conference that “Banks are dinosaurs, they can be bypassed.” Not exactly
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Instinet lowered shares of Tarena International from a “buy” rating to a “neutral” rating and lowered their target price for the stock from $22.50 to $19.50
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Revolut is just one of three “open banking” services due to launch here in the next few months. They will lead New Zealand into something of a
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British airline easyJet has expanded its operations in Germany with the purchase of a part of Air Berlin's operations at Berlin Tegel airport, providing a
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Stifel Nicolaus reiterated a “buy” rating and issued a $55.00 price target on shares of Flow International Corp in a report on Tuesday, October 17th.
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Libor was once the benchmark interest rate that made financial markets go round. But with interbank lending dwindling, it is set to be phased out in
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Sean O'Reilly (Philip Morris International): Hedge Funds control trillions of dollars in assets, and some of the smartest investors in the world manage
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A real estate agent who helped Paul Manafort purchase his Virginia condo two years ago testified in front of the grand jury as part of the Department of
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While still quite new in Pakistan, Islamic banking is moving ahead in all … Islamic banks have beaten conventional banks by mobilising deposits at a
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A senior commercial property researcher is picking the looming housing slowdown to be a soft landing rather than a harsh slashing of prices, at least
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“Our research indicates a strong appetite among this community for an alternative to the main-street banks, for a member-owned financial services
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Shares of Fortune Brands Home & Security, Inc. (NYSE:FBHS) have earned a … Citigroup Inc. increased their price target on Fortune Brands Home
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From street corners to theaters, arenas, print, television, film, or even the White House, if it's funny, or should be, we're talking about it. We also
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Indian economy is on the threshold of expanding at least 8% per annum for many years as it enters the promising phase of recovering from the
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Instead of earning interest, your savings will instead reduce the amount of interest you pay on your mortgage. Both accounts have to be from the same
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The president of the regional assembly of Corsica, a region of France, hailed the “birth of the Catalonia Republic” in a statement published on his
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Following the Great Recession, private equity started moving into the housing market, buying tens of thousands of homes and turning them into rental
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A week ago, General Electric Co.'s new boss lamented the company's “completely unacceptable” performance. Shareholders must be feeling the
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Before the New Zealand series, in 14 ODIs, Shikhar Dhawan had scored 689 runs at average 53. Again, compared to his career average (44.32), this
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Catalan separatists seeking allies in the European Union may have to look further than the Flemish speaking enclave in Belgium, where nationalists
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The Lions Rugby Company is proud of their juniors' success and wishes them all the best. Wandisile Simelane who hails from the South will start at
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To overcome the challenges of long paper trails and rejected applications in traditional brick mortar system, the new-age lending platforms are coming
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Every two years, the brewers at Samuel Adams like to create an event—and there's no easier way to stir the passions of beer lovers than the release of
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Standex International Corporation logo Standex International Corporation (NYSE:SXI) has received an average broker rating score of 2.00 (Buy) from
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U.K. Environment Secretary Michael Gove apologized “unreservedly” on Twitter Saturday after joking on a broadcast earlier in the day about
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TPG Specialty Lending (NYSE: TSLX) and FS Investment Corporation (NYSE:FSIC) are both finance companies, but which is the better investment?
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Residents of the Kinmen islands, which house Taiwan's closest military base to China, voted against having casinos in a referendum that echoes the
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When Toys “R” Us Inc. filed for bankruptcy last month, it vowed to keep operating stores, boosting investor optimism that the impact on the biggest
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After raising 25 million Euros during one of the biggest pre-ICO sales to date, Bankera, a blockchain based banking service, has announced it is going
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Even as public sector banks welcomed the government's Rs 2.11 lakh crore recapitalisation plan this week, private sector banks faced the heat of
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It's not always easy to qualify for a mortgage. As a borrower, you have to meet a lender's credit standards. They can often be strict. But these rules are
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Let's just focus on the risks of securities lending. As far back as April 20, 2015, FINRA was warning investors as to the risks in an Alert Investor article.
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Marin's median price for all homes and condos sold in September was $1 million, a 19.6 percent rise over the September 2016 median price of
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You can use our mortgage calculator to find out how much your monthly mortgage repayments are likely to be. Simply enter the relevant details into
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Straining, somewhat unsuccessfully, for attention in the post-election hubbub was the Bank of Japan's latest financial system report — a sober,
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Winnipeg's Royal Albert Arms, a heritage property located one block from Portage and Main, is up for a mortgage auction next month in what
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'No Difficulty' If Web Shops Only Banking Option … difficulty” with web shops providing financial services if commercial bank pull-outs meant they were
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As Amazon and other e-commerce players strive to get merchandise to customers faster and more efficiently, the real estate infrastructure to facilitate
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Arlington Asset Investment Corp logo Arlington Asset Investment Corp (NYSE:AI)'s stock had its “hold” rating reissued by FBR & Co in a report
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Piper Jaffray Companies raised IBERIABANK Corporation from a neutral rating … The company's quarterly revenue was up 21.0% compared to the same … title insurance and closing services agency (Lenders Title); IBERIA Capital
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Fortunato Nicotra, executive chef at New York's Felidia, came by “great truffles” at around $1,300 a pound in 2016, he told Bloomberg. This year, he is
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Carlyle Group LP will hand its incoming co-chief executive officers bonuses and stock that will add several million dollars to their annual base salary of
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DBRS Limited (DBRS) confirmed the ratings on the following classes of ReadyCap Commercial Mortgage Trust 2014-1 Commercial Mortgage
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As houses in Middle Georgia were listed for sale this year, some sellers got multiple offers, sold their homes in a few weeks and in some cases sold
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Though the government's radical measure of demonetisation has disrupted the economy and has hit the real estate sector — already reeling under
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But the whole fuck up actually started in September when her bank sent her a letter telling her they had set up a direct debit to collect mortgage
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Location, location, location? It ain't over until the check clears? Be patient? Our panel of real estate experts talk about the best piece of real estate
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Sergio Ermotti, the CEO of Swiss banking giant UBS, told CNBC that he believes Blockchain technology will “likely reshape” the way that banks do
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Cecil Bancorp said Friday it had raised $30.2 million from investors to recapitalize the cash-starved bank holding company. The Elkton-based parent
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Currently, 820,000 households, or 1 in 4, are in mortgage stress. The banks have increased rates on interest-only loans, arguing that this will help
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My fellow travellers came to mind this week when I read the latest updates on the battle for another wealthy man's fortune, that of Australian-born king
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Jane and Geoff Conner ripped out brick fireplaces and extended the dull and dowdy house to create a modern, contemporary home with underfloor
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Shares of Capstead Mortgage Corporation (CMO) sank into a new 52-week low yesterday, and could be a company to watch at the open.
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Saudi Crown Prince Mohammed bin Salman said in an interview with Bloomberg that “of course” he wanted to prolong the Organization of Petroleum
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The company has a consensus rating of “Buy” and a consensus price target of $87.92. … The company had a trading volume of 227,021 shares. … Lenders Title Company, an Arkansas-chartered title insurance and closing services
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The “Emerging Trends in Real Estate 2018” report from PricewaterhouseCoopers and the Urban Land Institute states Nashville gets the high-marks for
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Sophia, an intelligent humanoid robot, has been granted citizenship in Saudi Arabia. It's the first country in the world to give a bot the same status
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New mortgage lending rules for lenders are meant to protect landlords, but they could make it harder for some to get a buy-to-let mortgage.
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COLORADO SPRINGS, Colo. — A fundraising event happening in Colorado Springs this weekend is hoping to get more people on the bone marrow
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Dai-Ichi Kangyo Credit Cooperative, which made the loan, is finding a niche by lending to small businesses struggling to obtain credit in Japan even
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Job Description:This role will team with our Financial Advisors in our Wealth Management business, bringing our solutions and services to life for our
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… team placed a seven-year, fixed-rate loan with four years of interest only at 75 percent loan to value through Freddie Mac's CME Program.
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Innovation, growth and continuous learning keep real estate professionals ahead in one of the most profitable industries in the world. As 2018 rolls in
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LONDON (Reuters) – Public confidence in the outlook for British house prices has dropped to its lowest in nearly five years, weighed by pessimism
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FHLBank Indianapolis derives its net income primarily through interest income earned on advances to and mortgage loans purchased from its
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The Mortgage Bankers Association (MBA) is forecasting a 2017 increase in commercial and multifamily mortgage originations that will reach $515
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FRANKFURT — Deutsche Bank, which is struggling to keep pace with Wall Street firms, will pay higher bonuses in 2017 after a sharp cut last year,
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Needham & Company raised its price target on Lending Tree (NASDAQ: TREE) to $300.00 (from $250.00) while maintaining a Buy rating, following
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For any participant in the U.S. real estate market, failing to understand and interact with capital from the Asia Pacific region is not a viable strategy,
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Kim Liautaud's primary charge from her bosses at BMO Harris Bank is a tough one: Find a way to boost commercial lending at a time when property
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The company, which operates the massive Caremark pharmacy benefits manager as well as the CVS drugstore chain, has offered more than $200 a
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CMHC also reported Thursday that Canada's housing market “continues to indicate a high degree of overall vulnerability at the national level” due to
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BRASILIA (Reuters) РIta̼ Unibanco Holding SA (ITUB4.SA) said on Thursday it has received final central bank approval to buy Citigroup's retail
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Canadian Foreign Minister Chrystia Freeland criticized a one-sided strategy in Nafta negotiations after U.S. Commerce Secretary Wilbur Ross said he
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Residential real estate for sale & lease by Inspired Real Estate – BERRY. Also view Sold listings, agents, contact details and the office location of
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Having noted the recent emergence of online lending platforms, the Monetary Authority of Macao (the “Authority”) hereby clarifies as follows: Pursuant
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Merchants Bancorp, an Indiana bank focused on FHA loans and warehouse mortgage financing, raised $100 million by offering 6.3 million shares at
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A gauge of contract signings to purchase previously owned homes was unchanged in September at the lowest level since the start of 2016 as
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Accelerating Chinese inflation will derail a global rally in commodities and deepen a rout in the nation's bonds, according to a top-performing macro
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Senators may have to change their Thanksgiving plans — they may wind up staying in Washington at least part of the week to pass a tax-cut bill,
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The federal agency paying for a controversial no-bid, $300 million contract to rebuild Puerto Rico's power grid has for years received scathing reports
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An insight into the diplomatic chaos that followed Donald Trump's January travel ban has been given by emails from the time released by the British
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Australian Prime Minister Malcolm Turnbull will learn on Friday whether his deputy Barnaby Joyce will be removed from parliament after a
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The prospect of the giant Internet retailer entering the business is beginning to cause far-reaching reverberations for a range of companies, roiling the
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A real estate agent walked into a home at 442 Demming Road on Oct. 12 and discovered two bodies on the floor of a master bathroom inside the
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The U.S. Securities and Exchange Commission settled with Zenefits and its former chief executive officer over charges the company misled investors
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The fortune of Amazon.com Inc. founder Jeff Bezos surged by as much as $6.6 billion in extended trading Thursday after the retailer reported
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Gates has also made it somewhat easier for Bezos to take the title this year: he donated 5% of his fortune, or about $4.6 billion to charity in August.
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Cleveland is closed-lipped on details of its bid to land Amazon's second headquarters, but a few details are emerging. Then, a real-estate reality check
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If a teacher ever told you off for daydreaming, then today you can feel soundly justified. Scientists at the Georgia Institute of Technology recently
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Real estate daily market update: October 26, 2017 …. region's homes are worth as much as when values peaked at the top of the last real estate cycle.
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Eric Schneiderman announced that the state would open a civil rights investigation into the Weinstein Company. Fortune reached out to the Weinstein
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Hudson's Bay Company, succumbing to pressure unload its real estate assets, is selling Lord & Taylor's flagship, a landmark 1914 building,
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Paul Hubert, who worked at A&W Towing, then took the title to make a copy of it. Heath was on the phone with his father at the time, and his father told
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The first half of the festival's lineup also includes Geographer, Parquet Courts, and Jay Som. Tickets go on sale Friday, Oct. 27 at 10 a.m..
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The $850 million deal is a potent symbol of changing real estate fortunes. Despite occupying a prime location at the corner of Fifth Avenue and 39th
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Xceligent CEO Doug Curry has been fired from the commercial real estate data company he founded in 1999, multiple sources tell Bisnow.
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The city's backlog of unsold new suburban homes is down from last winter and the market could start to tighten in 2018, figures from a real estate
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Tim Hudak, chief executive officer of the Ontario Real Estate Association, at the annal general meeting of the Realtors Association of Grey Bruce Owen
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Earlier this year, Sonos founder John McFarland stepped down from his role as CEO after 14 years on the job, admitting he had allowed his company
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While the future OFW bank is in the top half of the ranking of the country's 57 thrift banks, with P9.3 billion in assets, its lending practices leave a lot to
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“NBSZ has not changed its status from a non-profit-making company to a … the Registrar of Companies in April 2013 carried the private limited title.
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Washington (AP) — A protester who got within a few yards of President Donald Trump in the Capitol and shouted “Trump is treason” was arrested and
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Mortgage Debt, Consumption, and Illiquid Housing Markets in the Great Recession. Working Paper 2017-030A by Carlos Garriga and Aaron Hedlund.
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Canada's government is projecting smaller deficits than it did in March, as stronger-than-expected growth gives Prime Minister Justin Trudeau more
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Our vendors have bought and this must sell! Your family will love this generously sized home in a quiet cul-de-sac with multiple living areas that offer
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The online retail giant debuted Business Prime Shipping service on Tuesday for companies that want to get free two-day shipping of certain items.
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Owen Jones of the Guardian thinks German public sector banks are wondrous things, at least by comparison with the U.K.'s private sector banks.
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FORT SMITH, Ark.–(BUSINESS WIRE)–Representatives from First National … Mitch Minnick, executive director of Fort Smith Housing Authority and
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Intrust Bank is pleased to announce an addition to its Butler County commercial lending team. Tony Allison, with 23 years of banking experience in the
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President Donald Trump has ended his ban on admitting refugees to the U.S. but will enact stricter vetting procedures for them, administration officials
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London house prices saw static growth in the three months to September with an increase of 0.5%, the latest Hometrack UK Cities House Price Index
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The “2018 Emerging Trends in Real Estate” survey conducted by Price Waterhouse Coopers shows that Houston fell 20 spots to No. 60 on the list,
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The teal-colored gourds are actually part of a new movement to offer allergy-free treats. By Emily Price. October 24, 2017. When you head out
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#THE commercial banking model needs to be adjusted to suit the needs of the local economy particularly in the out islands, a Chamber of Commerce
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Sweden's housing market has long drawn investor attention as soaring prices have forced borrowers to rely on bigger mortgages. In Stockholm county
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One of our prominent financial services clients in Des Moines is currently seeking motivated Mortgage Lending Support Team Members to join their
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Accordingly the federal agency has proposed regulations that would make it very difficult for both lenders and borrowers to continue to use payday
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JD.com Inc, China's second-biggest internet retailer, is launching a new site on its online platform targeting property buyers in association with leading
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The Mortgage Bankers Association (MBA) has recognized New American … Due to her role as a national housing advocate, earlier this year, CFPB
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LAS VEGAS–(BUSINESS WIRE)–Money 20/20 — kakaobank, Korea's leading internet bank has announced that they will use whiteCryption's
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Ireland's main mortgage lenders will issue detailed statements later today on the steps they will take to address the tracker mortgage scandal.
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CU Direct's Lending 360 Loan Origination Platform Surpasses 100 Credit Union Milestone. Information contained on this page is provided by an
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The story of experimental Alzheimer's treatments has been a grim one in the last several years. High profile drug candidates from Eli Lilly, Merck, and
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Invesco Mortgage Capital Inc (NYSE:IVR) has been given an average rating … mortgage loans, and other real estate-related financing arrangements.
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AT&T became the latest wireless carrier to report on the less-than-enthusiastic reception to the new iPhone 8. The carrier said only 3.9% of its regular
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Ulster Bank and AIB offer fresh apologies on tracker mortgage scandal … the tracker-mortgage scandal by committing to compensate customers.
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Dundee Real Estate (DREUF)'s Williams Percent Range or 14 day Williams %R … Moving averages can help spot trends and price reversals.
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All year, Asia's largest economy has been in a sweet spot. Economic growth has picked up even as policy makers pushed up borrowing costs and
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Fewer than 28 percent of new homes built in Denver sold for under $400,000 this year. But the market saw townhomes claim the highest share of all
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The public sector lenders and infrastructure sector may show a positive movement on Dalal Street on Wednesday, fuelled by the government's
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October 24, 2017 (KHARTOUM) – The Central Bank of Sudan (CBoS) has revoked previous restrictions preventing banks from carrying out clearing
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The Scottish housing market has accelerated, with Edinburgh recording the fastest house price growth of all UK cities while the rest of the market is
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State Bank of India chairman Rajnish Kumar says that the recapitalisation bonds would lead to banks get a bit more daring in taking hair-cuts to
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Zacks Investment Research upgraded shares of Choice Hotels International, Inc. (NYSE:CHH) from a hold rating to a buy rating in a research note
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Syrians bury the bodies of victims of a toxic gas attack in Khan Sheikhun, a nearby rebel-held town in Syrias northwestern Idlib province, on April 5,
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The top Democrats on two House committees are demanding answers from five data analytics companies involved with President Donald Trump's
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On a sandy peninsula in northwest Saudi Arabia, the only interruption to miles of desert was the wreck of a Catalina seaplane, abandoned by its
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After a recent look at shares of Talon Real Estate Holding Corp (TALR), we have seen that the Percentage Price Oscillator Histogram level is under
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Chinese firm buying Aecon was subject to fraud ban by World Bank … Ms. Raitt said she is concerned because CCC International Holding is “clearly
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“As such, this provides yet a further element of certainty that the total financial impact from the tracker-mortgage issue will be manageable, from the
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With support from the Metlife Foundation, Women's World Banking documented four best practices in serving low-income women profitably and
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Analysts Set $48.25 Target Price for Encore Wire Corporation (WIRE) … Shares of Encore Wire Corporation (NASDAQ:WIRE) have been assigned a … use primarily as interior wiring in homes, apartments and manufactured housing,
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Brandon Haefele, CEO of Sacramento-based Catalyst Mortgage and a board member of the California Mortgage Bankers Association, heard of one
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San Francisco is losing its appeal for commercial real estate investors, who are looking to other markets … according to the 2018 Emerging Trends in Real Estate report from Price Waterhouse Coopers and the Urban Land Institute.
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Endurance International Group Holdings, Inc. (NASDAQ:EIGI) gained … EIGI has witnessed its long term and short term MA triggering a buy signal.
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The Real Estate Investment Network's (REIN) latest report placed Fort Saskatchewan in fourth on a top 10 list for markets expected to show positive
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This included sessions specifically related to the future of Fannie Mae and Freddie Mac as well as the overall secondary mortgage market.
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Rocky road: The digital-only BankMobile, founded in 2015, has yet to turn a profit for its community bank parent company, Customers Bancorp in
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barberton: Jeffrey Ramnytz took it personally when a new Barberton resident mentioned that her real estate agent had promoted a neighboring school
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Square 1 Financial, Inc. is a financial services company. … Lenders Title Company, an Arkansas-chartered title insurance and closing services agency
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Central Johnsonville, single level and newly built. This brand new low maintenance home caters to a variety of buyers, a downsizers delight, a families
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Zafin Origin addresses the demand for banks to provide a quick and fully digital onboarding experience. The product is designed to improve client
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Many years ago, First Internet Bank President and CEO David Becker built his first company with a mainframe-based software product that he says
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HONG KONG (Reuters) – Citigroup Inc has appointed veteran Steven Lo as Asia head of its private banking business unit, replacing Bassam Salem
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They've warned of impending nuclear war and charged the U.S. with usurping the UN Security Council in order to persecute their country. But apart
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SINGAPORE — In a further sign of a recovery in the private home market, latest data from the Urban Redevelopment Authority (URA) showed a 0.7
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Applied Business Software (ABS) has announced the upcoming update to The Mortgage Office Loan Origination System (LOS) will be ready for the
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A U.S. congressional committee on Thursday set a Nov. 2 deadline for the Puerto Rico Electric Power Authority (PREPA) to provide information related
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The department has reached out to International Navistar, the manufacturer of the chassis and motor, and they have stated they are unaware of any
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House price declines of up to 20 per cent and an 80 per cent crash in residential sales is the doomsday scenario investment bank Citi says is a real
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Ladies and gentlemen, thank you for standing by. Welcome to Columbia Banking System's Third Quarter 2017 Earnings Conference Call. At this time
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Watching companies jostle over who has the coolest technological bells and whistles at the Tokyo Motor Show reminded me a bit of the dot-com
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The most important date for Apple Inc.'s iPhone X is arguably a week before the flagship smartphone actually reaches stores. That would be Friday,
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Futures on the Nasdaq 100 Stock Index were buoyed by stellar profit at Amazon.com Inc. and Alphabet Inc., and the S&P 500 Index climbed as results
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The planning agency noted, however, that housing construction and mortgage loans from non-traditional lenders in the sector – commercial banks and
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Is it better to be the tortoise or the hare? The Emerging Trends in Real Estate® 2018 report predicts slower but more sustainable growth for the U.S.
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The money raised, as much as $8 billion, would be used for the state's … has worked at Boston's major newspapers covering real estate trends such as the … In Lynn, Thomas covers City Hall and commercial real estate development
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Raymond James Financial, Inc. reiterated a “strong-buy” rating and issued a $55.00 target price on shares of Tempur Sealy International in a report on
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Mortgage buyer Freddie Mac said Thursday that the average rate on 30-year, fixed-rate mortgages rose to 3.94 percent from 3.88 percent last week.
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Confidence in tUK property has slipped to its lowest level in five years, according to data out today, and Londoners have the most miserable outlook
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HomeSmart also ranks in the Entrepreneur Franchise 500, Swanepoel Power 200 and is a top 10 residential real estate company on Real Trends 500.
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It's part of an effort to keep such units from being sold to speculators who take control of properties and jack up rents, upending the real estate market
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“The only people unaffected are people who don't need mortgage financing, because now you have captured the entire market,” said Gregory Klump,
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The Halifax Housing Market Confidence Tracker dropped 14 points from April 2017 to October, matching the biggest fall ever – seen following the EU
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Fresh from his third straight general election victory, Japanese Prime Minister Shinzo Abe must refocus on two overarching challenges: Dealing with
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Singapore works. Or that was the city-state's reputation until one December day six years ago, when a solitary defective fastener brought the subway
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Investment in new housing in the Charlottetown area will remain strong over the next two years, according to the fall forecast from the Canada
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UBS Group AG Chief Executive Officer Sergio Ermotti is rebooting investors' expectations for a share buyback after the bank's capital buffers
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Catalan separatists are making a last-ditch effort to win concessions from Madrid that would help persuade their increasingly agitated supporters to
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The Zacks: Analysts Set $42.00 Target Price for Encore Wire Corp. … Zacks has also given Encore Wire Corp. an industry rank of 232 out of 265 based on the … and industrial buildings, homes, apartments and manufactured housing.
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The government seems to have realised that a simpler, more effective remedy is at hand: recapitalising public sector banks (PSBs) and enhancing the
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She is also attributing the increase in demand and supply to new National Housing Trust policies that offer improved financing options for mortgages.
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The Kushners put down $50 million in cash, and the rest comes from some high-interest loans and a $1.2 billion mortgage. Remember that – a $1.2
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Today, President Trump declared the opioid crisis a public health emergency under federal law, calling the crisis a “national shame and a human
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Gregor has a company in Singapore where individuals can securely store their gold and silver. They just hold your precious metals and validate their
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“We're as good as any other exchange,” Loh Boon Chye said in a Bloomberg Television interview in Riyadh, Saudi Arabia. “We stand as good a
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The National Average Contract Mortgage Rate for the Purchase of Previously Occupied Homes Index closed in late September was 4.00 percent.
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The fortune of Amazon founder Jeff Bezos surged by as much as $6.6bn (£5bn) in extended trading on Thursday after the retailer reported
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The California Air Resources Board plans to break ground Friday on a vehicle emissions test lab that will cost $419 million, with a third of the money
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The European Central Bank announced this month new guidelines for lenders to reduce bad loans, although the plans are meeting with a fierce
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“There's never a bad real estate cycle as long as you have time and no debt,” Falcone joked. The slowdown has sent developers to other foreign
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Hope that people coming to Fortune will one day see the beauty in themselves that we already see. That with understanding, compassion, and
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