A top Venezuelan air force officer broke with embattled President Nicolas Maduro and called on the military to back U.S.-supported opposition leader
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Dermot O'Leary is returning as a regular feature of our Saturday nights on brand new game show Small Fortune, on ITV. But when is it on and how
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Legal & General Group Plc increased its position in shares of International Game Technology PLC (NYSE:IGT) by 4.7% in the third quarter, according
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The SBA works to with lenders to process and guarantee funding for small … owners who want access to capital may turn to non-bank lending.
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A five-bedroom, nine-bathroom shingle-style house at 146 Brenton Rd., Newport, recently sold for $7.3 million, according to Gustave White Sotheby's
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“Fraudsters use personal data from data breaches to impersonate banks with the sole purpose of tricking customers into granting them access to their
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Yoshua Bengio, a Canadian computer scientist who helped pioneer the techniques underpinning much of the current excitement around artificial
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On Thursday, Leavell sat down with Bloomberg to discuss his storied … Bloomberg News: You met with U.S. Secretary of Agriculture Sonny Perdue in
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Seacoast Banking Co. of Florida (NASDAQ:SBCF) was downgraded by equities researchers at BidaskClub from a “hold” rating to a “sell” rating in a
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David Chene, founder, co-portfolio manager, and head of trading and sourcing at Kennedy Lewis Investment Management, and Bloomberg's Sridhar
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NEW DELHI Sitting on 6-7 lakh of unsold units due to poor demand, cash-starved real estate developers heaved a sigh of relief after the government
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Johannesburg – Lending a helping hand in the community of Langrug in the Western Cape, TV personality Maps Maponyane joined luggage brand
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When the real estate market is slow, the number of working agents dwindles to the point that most of the people who are able to make a living at it are
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Martijn Hohmann, CEO and co-founder, Five Degrees. A challenging disruptive landscape. The landscape which traditional banks and financial
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4.8% of MainSource Financial Group shares are owned by company … agribusiness and real estate mortgage loans; renting safe deposit facilities;
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1 investors sold all, 1 reduced holdings as Freddie Mac ratio fall. 0 rose positions while 3 funds bought positions. Funds hold 112,183 shares thus
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Sentiment around the US housing market has gradually improved as mortgage rates remain near ten-month lows. REIT and Homebuilder earnings
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Ben Carson on Housing Reform and Fannie, Freddie Conservatorship … Of Fannie Mae And Freddie Mac – Seeking Alpha” on November 16, 2016.
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Little wonder, then, that Neal Peden and his management team are hoping for a change in fortune when Meath form the opposition at Navan tomorrow
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Some Chinese developers have struggled amid a slowing housing market in Hong Kong and in mainland China. In one case, Zhejiang-based
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D.C. Housing Market Keeps Rising: The D.C. housing market has not slowed down. An average one-bedroom rental is roughly $1,800/month. A recent
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Mambu has signed a deal to implement its Software-as-a-Service (SaaS)-based core banking system at Orange Bank's new location in Spain, reports
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Fortune Brands Home & Security Inc (NYSE:FBHS) – Equities researchers at SunTrust Banks dropped their Q2 2019 earnings per share estimates for
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Other large investors have also recently modified their holdings of the company. CWM LLC grew its holdings in Mettler-Toledo International by 108.9%
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Barrington Research set a $86.00 price objective on shares of ICF International and gave the stock a “buy” rating in a report on Friday, November 9th.
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The Water Filter Housing Market revenue was xx.xx Million USD in 2013, grew to xx.xx Million USD in 2017, and will reach xx.xx Million USD in 2024,
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… globally, raising $2.7 billion, according to data compiled by Bloomberg. … the prospect of a shutdown Part II continues to loom over U.S. markets.
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Bridge Creek Capital Management LLC's holdings in International Paper were … A number of other institutional investors and hedge funds have also
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Granite Point Mortgage Trust Inc (NYSE:GPMT) COO Steven Plust sold 4,523 shares of the firm's stock in a transaction dated Wednesday, January
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The board analyzes trends and makes key policy decisions affecting the real estate industry in Miami-Dade, Broward, Palm Beach and Martin counties
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Fiduciary Trust Co.'s holdings in Mondelez International were worth $1,914,000 as of its most recent SEC filing. Other institutional investors have also
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Ellington Residential Mortgage REIT (NYSE:EARN) and SOTHERLY HOTELS/SH SH (NASDAQ:SOHO) are both small-cap finance companies, but
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Banking and the digital realm have combined to pave the way for a cashless society. However, Pakistan is among the very few countries that have one
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Item 1 – Condensed Consolidated Financial Statements ….. As additional security for the mortgage loan, there is a limited guaranty executed by
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CBRE represented the seller, an affiliate of real estate development and design company Nostalgia Shoppe. The buyer, Flamingo Holdings LLC, paid
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JP Morgan's Sally Auld said changes to housing, share dividend imputation and industrial relations policies under a Labor government could cause
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The Real Estate Portfolio Management Software report offers a comprehensive evaluation of the market. It does so via in-depth insights,
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SOL Capital Management CO reduced its stake in Blackstone Mortgage Trust Inc (NYSE:BXMT) by 5.3% in the 4th quarter, according to the company
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The end is finally in sight for Google's ill-fated social media venture Google+. The company announced this week that Google+ will officially shut down
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Degen says the company is filling a huge need after payday lenders left the state, following Initiated Measure 21. Voters approved the measure, which
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In his Annual State of the Residential Mortgage Market in Canada report, Will Dunning, chief economist for Mortgage Professionals Canada (MPC),
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Fortune Brands Home & Security Inc (NYSE:FBHS) – Jefferies Financial Group cut their FY2018 earnings per share estimates for shares of Fortune
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Fisher Asset Management LLC raised its holdings in Vanguard Mortgage-Backed Securities ETF (NASDAQ:VMBS) by 11.0% in the fourth quarter,
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Bank of New York Mellon Corp raised its holdings in Investors Title by 4.5% in the second quarter. Bank of New York Mellon Corp now owns 7,734
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With less than two weeks until spring training, major league baseball's two marquee free agents — Bryce Harper and Manny Machado — remain
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Two days after Italy's slide into a recession was confirmed, banking executives meeting in Rome called on the government to speed up investment in
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A number of other hedge funds and other institutional investors have also bought and sold shares of HRL. Capital International Investors increased its
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Zacks Investment Research downgraded Sapiens International from a “buy” rating to a “hold” rating in a report on Wednesday, October 10th. Barclays
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The company provides financing solutions, such as technology and … debit cards; and loans comprising home mortgage loans, construction loans,
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Home prices and rents in California have long exceeded those in most other states as demand from its booming population has vastly outstripped
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Fortune Sound Club, a Chinatown staple, will be hosting 'Fortune Food Fair' on February 10 from 11 am to 4 pm, the Chinese New Year Parade will
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Also, this week The New York Times mentioned Blokable in a story “Can Technology Help Fix the Housing Market?” Blokable is one of several
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Music streaming service Spotify is reportedly in talks to buy Gimlet Media, a popular podcast company for $200 million. Gimlet, a Brooklyn-based
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The bank is growing on both sides of the balance sheet, with lending up eight per cent to £5.38 billion and deposits up seven per cent at £7.11 billion.
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Prominent Democrats from across the U.S., including three presidential candidates, called on Virginia Governor Ralph Northam to resign after what he
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Investors are awaiting whether retired High Court judge Kenneth Hayne will recommend criminal or civil charges; call for lenders to be broken up to
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Brookfield Property Partners is one of the world's largest property owners … Brookfield Property invests alongside institutional investors in the private
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In this video, senior business journalist Sucheta Dalal talks about a spate of corporate scandals which made the Indian markets fragile under PM
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Senior officials at the bank, including its future chief executive, believed that Mr. Trump's divisive candidacy made such a loan too risky, the people
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Ally Financial has a consensus price target of $32.08, suggesting a … The Mortgage Finance Operations segment manages held-for-investment
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WILMINGTON, Del., Feb. 01, 2019 (GLOBE NEWSWIRE) — Today, WSFS Bank formally donated its former Wyoming banking office to the people and
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Investors are about to find out whether the sharemarket has accurately gauged the impact of the financial services royal commission. ASX200 financial
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Nobility Homes (OTCMKTS:NOBH) and Legacy Housing (NASDAQ:LEGH) are … Legacy Housing has a consensus price target of $17.00, suggesting a … of manufactured homes, as well as operates as a licensed mortgage loan
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Cramer's lightning round: Bank of America's stock is a screaming buy. 7 Hours … to callers' stock questions, including one of the top names in banking.
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Several other institutional investors and hedge funds have also recently … Lourd Capital LLC grew its position in shares of Philip Morris International
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The U.S. Supreme Court on Jan. 22 lifted a pair of national injunctions that had prevented President Donald Trump's ban on transgender military
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A number of large investors have recently modified their holdings of FTSI. Vanguard Group Inc. boosted its stake in FTS International by 17.5% in the
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The core-banking vendor won the investment and ringing endorsements from the trade group and several banks because its open system and cloud
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Real Estate Transactions: Feb. …. 230 El Camino Real – $665,000, 12-27-18 [4 Bdrms – 2310 SqFt – 1937 YrBlt], Previous Sale: 03-19-12, $369,000
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The weekend is here! Pour yourself a mug of coffee, grab a seat by the fire and get ready for our longer form weekend Ground Hog Day reads:.
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Private equity major Blackstone has agreed to buy nearly 80 percent of affordable homes-focused Aadhar Housing Finance from the financially
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Fosun International Ltd grew its stake in shares of MacroGenics Inc … company's stock after buying an additional 22,000 shares during the period.
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During the week I share the latest marketplace lending and fintech news on Twitter as it happens. Then every Saturday I take the most interesting
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This week I received an omen of great fortune. One of those happy events which makes you realise the fates are casting warm rays of benevolence
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When Jim Berger arrived in Colorado Springs in 1958 to start a career in real estate, he had $400 to his name and knew nothing about real estate.
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The firm, which tracks residential market trends, said annual sales of … The health and direction of the Manhattan real estate market is always a hot
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Mary and I just turned 60 at Christmas and we celebrated our 40th anniversary Jan. 27. We now have four kids and six grandkids. The two – and
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… by Iran's Revolutionary Guards shows the apparent test-firing of the nation's latest long-range cruise missile, the semi-official Tasnim news reported,
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Ford sells “a lot of vehicles, most with EcoBoost,” said Kevin Tynan, senior automotive analyst for Bloomberg Intelligence in Princeton, New Jersey,
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A teenager became an overnight millionaire, after his bank made a massive error. The 18-year-old was stunned when he discovered Nationwide had
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What's the difference between a Singapore Interbank Offered Rate (SIBOR) loan and a Fixed Home Rate (FHR) loan? Here's the breakdown.
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Apple Inc. temporarily pulled important app-development tools from Google after the iPhone maker decided the internet giant broke its rules. Common
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… to carry labeling reading, “WARNING: Drinking beverages with added sugar(s) contributes to obesity, diabetes, and tooth decay.” (Fortune)
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Baker First Commercial Real Estate Services reports these real estate transactions: • Brad McMillin Inc., doing business as Beltone Hearing Aid
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Talbot Sutter was raised around South Florida real estate. … Forecasting the market trends ahead, he said he isn't worried about another housing
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WASHINGTON – U.S. long-term mortgage rates edged up after declining in recent weeks. Mortgage buyer Freddie Mac said Thursday that the
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MANILA – More bank accounts were opened in the country in 2017, the Bangko Sentral ng Pilipinas (BSP) said Saturday, noting that “significant
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Only in very rare cases we get to see portfolios which are overweight in, say, real estate or even other sub-asset classes. While the portfolio remains
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BidaskClub lowered Expeditors International of Washington from a “buy” rating to a “hold” rating in a research report on Saturday, January 5th. Finally
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First Manhattan Co. grew its position in GrafTech International Ltd … Zacks Investment Research cut GrafTech International from a “buy” rating to a
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Friday's bout of up-and-down trading came a day after the market closed out … The housing market is slumping as mortgage rates steadily increase.
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U.S. tariffs on Chinese goods have upended financial markets, shaken the world economy, and caused businesses to reconsider their supply chains.
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The past year brought some good news for Federal Housing Administration mortgagees, as top Department of Housing and Urban Development
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Barry said the December slump in sales in Marin was “fairly typical for a holiday month in Marin real estate” due to several trends. “Fewer buyers are
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The cumulative value of mortgage financing provided by banks in the kingdom almost doubled year-on-year in the third quarter of 2018 to 144bn riyals
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The latest data breach reported last week, which you may not have heard about, involved the leaking of over 24 million mortgage documents. The data
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Mortgage servicers have had it fairly smooth the past couple of years – but that could all change as the end of LIBOR quickly approaches. To view the
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Competing trends heavily influenced the housing market in 2018. We witnessed a surge in Millennial demand against the backdrop of a strong labor
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The rise of regulatory technology to help banks comply with the rules seems inevitable: it's beyond human capacity to keep abreast of every global
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Zillow's estimate of a home's value, called the Zestimate, can be powerful: Some homeowners track them like a stock, and when it gets to a certain
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The Finance Minister has also reiterated the government's commitment to consider a revision on GST implications on the real estate sector by
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Discovering these celebrated red and white wines didn't happen anywhere near this beautiful region of rolling hills in central-eastern France.
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Though many focus on their frustration with the Bay Area's traffic congestion and tight housing market, Dr. Micah Weinberg, president of the Bay Area
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First American Title Company is joining several businesses around town that will be selling the special chocolate bars starting on Monday. Marcia
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You'll be directly working with the team supporting Corporate Real Estate and partnering with them to ensure proper accounting of lease holdings
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The former yogi and fortune-teller Nanda Marlar, 44, appeared in Yangon's Mingaladon Township Court on January 24 under her lay name, Daw Saw
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Community Development Banking. Working to improve communities and enrich the lives of those who live in them across the US. Solutions
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Cboe Global Markets Inc., which owns the VIX, fined high-frequency trading firm Akuna … Read a Bloomberg Businessweek profile of John Griffin.
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Cathay has opted instead for Airbus's twin-engine A350, and Hogg called the Boeing 777 a “wonderful workhorse.” It's a view shared by many airline
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You can afford a 30-year fixed-rate mortgage…and all the other things … DiBugnara also mentioned a few mortgage products worth pursuing on a
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Apple Inc. pulled important app-development tools from Google after the iPhone maker decided the internet giant broke its rules, according to people
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2019 is going to be a pivotal year for mortgage companies. Those who want to stay competitive in a low-volume environment need tech solutions that
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It is hoped that the bill will help bring about a more systematic real estate industry with professional bodies and licences built around it, which will
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Automated Clearing House (ACH) payments allow you to receive debit payments directly from a customer's bank account instead of using credit or
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Adjustable rate mortgages (ARMs) have made up a reduced share of the home loan market ever since. Andrea Riquier, writing for MarketWatch, says
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China, the world's largest buyer of soybeans, is purchasing U.S. supplies now as a “fantastic sign of faith,” President Donald Trump said from the Oval
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Australia's weakening housing market continues to be led by its two largest cities Sydney and Melbourne, where values have fallen by at least 1 per
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U.S. officials told Bloomberg News that they were planning to hold the summit in Vietnam. The summit would probably take place in the capital Hanoi,
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PEABODY — A Lynn man was arrested Wednesday night after police say he destroyed a sign on Sutton Street and smashed windows at two Main
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Joseph Otting, the acting director of the Federal Housing Finance Agency, the regulator and conservator of Fannie Mae and Freddie Mac, has put the
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Want to sell real estate? Youngstown State University's Williamson College of Business Administration is starting a new set of coursework to get
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The acquisition of GVA merges both commercial real estate companies under the single unified brand of Avison Young, which is now the only privately
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8 investors sold all, 39 reduced holdings as Encore Wire Corporation ratio is … Northern Trust Corp has invested 0.01% in Encore Wire Corporation … and manufactured housing; UF-B cable, an underground feeder cable for conduct
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Invesco Mortgage Capital (NYSE:IVR) and Wheeler Real Estate Investment Trust (NASDAQ:WHLR) are both small-cap finance companies, but which
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IFP Advisors Inc grew its stake in TPG Specialty Lending Inc (NYSE:TSLX) by 34,611.6% during the 4th quarter, according to its most recent 13F filing
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The government in this case will be banking on keeping the deep-pocketed real estate industry in good cheer with a positive downstream impact on
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Dynamic Technology Lab Private Ltd acquired a new stake in First … The Title Insurance and Services segment issues title insurance policies on
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With the real estate market cooling noticeably, is now the time to go bargain hunting for real estate stocks? Certainly, if you're thinking about Redfin
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China said it's opposed to the U.S. decision to withdraw from the Intermediate-Range Nuclear Forces Treaty with Russia and urged the two countries
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The firm owned 102,018 shares of the company's stock after purchasing an additional 4,334 shares during the quarter. Schwab International
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In Data Sheet last month, I predicted Donald Trump and Xi Jinping would agree on a trade deal this year—and that it would do little to ease long-term
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According to the city, having alternatives, or options for various prices in the housing market, “Is always a positive for our community,” finished Riley.
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Ward 5 Councillor George Chahal wants the city to weigh in on the debate over the so-called mortgage stress test. The new rules introduced by the
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People's Bank of China's Party Chief Guo Shuqing said the country's interbank market should strengthen self-discipline and better balance risk control
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The US housing market has been taking a beating. Home sales have been declining amid soaring home prices and rising mortgage rates, and
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Sound Income Strategies LLC lifted its position in TPG Specialty Lending Inc (NYSE:TSLX) by 3.9% during the 4th quarter, according to its most recent
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The yearbook images were first published Friday by the conservative news outlet Big League Politics. The Virginian-Pilot later obtained a copy from
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A fourth tanker booked by Chevron may be rerouted without getting the oil it came for, according to tanker tracking data compiled by Bloomberg.
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The US housing market has been battered amid soaring home costs – here are the most affordable cities for millennials to buy a home right now.
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Investors have placed growing bets of falling bank share prices, as markets fret that the big four's $30 billion in annual profits will take a hit from any
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Global Real Estate Software Market delivers detailed analysis of market growth, trends, and shares. The report analyses this market size, recent
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However, the market prospects for cannabis (including hemp) are …. As such, cannabis businesses cannot use real estate in Alabama for the
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With the family? Or by keeping me company on today's Liverpool LIVE blog? It's got to be option three, right? Anyway, the beat goes on and there's still
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BAR HARBOR — For the first time since its founding in 1902, Bar Harbor Savings & Loan has begun selling some mortgage loans to another
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The trade fight has dragged on China's stock and property markets, and … Officer Bernard Arnault said in an interview with Bloomberg Television.
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What does it do? VPC Specialty Lending lends money, and makes money from the interest charged on these loans. It aims to grow its investors' cash
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They issued a “buy” rating and a $58.00 target price for the company. … The Title Insurance and Services segment issues title insurance policies on
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Niche loan products and services are the key to any successful marketing campaign. They enable commercial mortgage brokers to establish new
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Catch-up with the latest technology news from around the world with host Emily Chang from Bloomberg's San Francisco studio. (Source: Bloomberg)
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VPC Specialty Lending Investments PLC (LON:VSL) insider Richard Levy bought 70,028 shares of VPC Specialty Lending Investments stock in a
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Finance Minister Piyush Goyal's Budget 2019 announcements on Friday were mostly focused on small scale farmers, lower middle class, salaried
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… in the April-July period and loaded at ports both in the U.S. Gulf and the Pacific Northwest, people familiar with the matter told Bloomberg earlier.
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Legendary Athlete and Entrepreneur will Keynote the Real Estate … first international Summit, having entered into the Canadian market in 2018.
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“To maintain our longstanding reputation as an advocate within the housing industry, a variety of tools have been created to protect and partner with
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Wells Fargo & Co reiterated a “buy” rating on shares of Mondelez International in a research report on Monday. Zacks Investment Research lowered
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Government shutdowns are increasing – happened three times in 2018. But HELOCs are down. After soaring to a near 10-year high, HELOC
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Reporting by Bloomberg News over the past three years has examined a variety of pricing practices at PBMs that have been criticized by politicians
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… servicing software with Mortgage Servicer and Commercial Servicer, for lenders, banks, credit unions, housing agencies and niche lenders.
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Restoring public trust in scandal-ridden financial institutions and restoring the free flow of credit will headline the Federal Government's response to
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Bank-stock investors don't seem to like the prospect of a more accommodative monetary-policy stance from the Federal Reserve. For one analyst, that
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Exxon Mobil Corp. and Chevron Corp. reported fourth-quarter profits that topped analysts' expectations on soaring production of Permian Basin crude.
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ALBANY — Gov. Andrew Cuomo announced on Jan. 29 that he is nominating Maria Vullo as a member of the State of New York Mortgage Agency
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If yes, The Tribune Real Estate Expo-2019 is the place to be. … Royale Estate Group, PCL Gateway, Omega City, Hatil Furniture, Trends Furniture,
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Zacks Investment Research cut shares of Old Republic International from a “buy” rating to a “hold” rating in a research note on Wednesday, December
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Truxton Trust posted a fourth-quarter profit of $2.1 million, an increase of 45 percent from the same period of 2017, as the lender and private wealth
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Starting tonight, Small Fortune claims to be the “world's smallest gameshow” as contestants navigate a miniature world to win a big prize.
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Actor Luke Wilson talks about his Super Bowl commercial for Colgate. Steve Matthews, Bloomberg News Economics Reporter, discusses U.S. hiring in
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Nintendo is developing the title alongside LINE Corporation and NHN Entertainment. The game will be free to download with optional in-app
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VPC Specialty Lending Investments PLC (LON:VSL) insider Richard Levy bought 70,028 shares of the company's stock in a transaction that occurred
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During this year's state legislative session, NYCUA plans to advocate for legislation dealing with data security, mortgage-foreclosure reform, state and
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The People's Bank of China has set up a department to oversee and eliminate financial risks, as part of its restructuring of departments and personnel.
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Gordon Haskett initiated coverage on Honeywell International in a report on Friday, October 12th. They set a “buy” rating for the company. Citigroup
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As a new Congress is seated and Democrats take control of the House of Representatives, one of the favorite new parlor games for mortgage market
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Equities research analysts expect Franks International NV (NYSE:FI) to … assigned a hold rating and two have given a buy rating to the company.
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Liberty Capital Management Inc.'s holdings in Baxter International were worth $2,394,000 at the end of the most recent quarter. Other large investors
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Mortgage lender Better Mortgage recently expanded its services into Alaska, Kentucky, Oklahoma, and West Virginia. The company said that the
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Leavell Investment Management Inc. increased its position in Vanguard Total International Stock ETF (NASDAQ:VXUS) by 21.8% during the fourth
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Velocity Mortgage Capital has teamed up with HGTV's Nicole Curtis to launch WIRE, an initiative to encourage more women to participate in real
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Connecticut-based mortgage lender Total Mortgage Services has expanded its New England footprint with the opening of three new branches in
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The international private banking unit Rossell now leads holds strategic importance for Santander, which over 2018 boosted its team by hiring 30
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The new location will assist high-net worth individuals, families and businesses with their banking and lending needs, focusing on commercial and
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They issued a “buy” rating and a $58.00 target price for the company. … It operates through Title Insurance and Services, and Specialty Insurance
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The second thing was that my bank – a legacy financial institution I have been with for the last 25 years – sent me text messages, notifying me of a new
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If investors abhor uncertainty, then real estate developers in Chicago have reason to be anxious right now. A pro-development mayor will leave office
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Local real estate laws ensure that tenants have rights—and they're quite favorable. Tenants have the right to exclusive possession and quiet
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BLOOMBERG MARKETS: When people look at your CV, one of the things that pops out is that you have four degrees—in politics, economics, law, and
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“We can agree a one-year pay deal,” the IAG SA-owned airline said in a letter to unions obtained by Bloomberg News. “This gives certainty over pay
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… international security forum in Israel on Tuesday when the moderator cut him off to cue up a breaking news bulletin on the giant monitor overhead.
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There's no denying that real estate touches us all, but sometimes the Venn diagram of housing is surprising. Example: this week's episode of “House
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The name Gupta has become synonymous with state corruption in South Africa, as the family allegedly used its friendship with Jacob Zuma when he
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In October, the Spanish banking giant BBVA, which has a sizable footprint on this side of the Atlantic, announced with some fanfare the launch of what
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Bananas in Australia put up a gallant fight against the fearsome freckle — and won! Banana Freckle disease was found six years ago in the Northern
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Instead of becoming complacent after winning the Eighth Army title (Phase I), Echo Company continued to improve on their shortcomings through
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Super Bowl LIII might take place on a Sunday, but the big game between the New England Patriots and Los Angeles Rams is still going to be a big
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Thanks to advances in artificial intelligence, misinformation and social-media hoaxes are about to get a lot weirder. For the past couple of years,
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Donald Trump's three eldest children were deeply involved in their father's alleged scheme to rip off tens of thousands of Americans with bogus
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As the size and composition of distressed portfolios change, maintaining compliant processes and systems, as well as a trained staff of experts,
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LINE is the Japanese subsidiary of Korean company NHN Entertainment, which will also play a part in operating the newly announced Dr. Mario
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DAGUPAN CITY —— A manager of a lending firm was killed on Thursday night after his motorcycle rear-ended a parked cargo truck in San Jacinto
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Default servicers are faced with the challenge of maintaining a national network of attorneys that will meet compliance standards and provide quality
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