Web Scraper Software is used to collect structured web data in an … End User (Retail & E-Commerce, Advertising & Media, Real Estate, Finance,
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The Lenders Mortgage Insurance study also includes an industry overview of emerging innovations focused on creative business models, growth
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His comments come after the MoS revealed Provident Financial, another lender to borrowers with patchy credit histories, is closing its doorstep lending
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As per the study, the global Chatbot Builders market was valued at USDXX million and is projected to surpass USDXX million … Real Estate Industry
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Home prices rising. The median price for a single-family home has jumped considerably. Around this time last year in Montgomery County, the median
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Craig Gernett allegedly robbed multiple banks in Washington Heights, Midtown, Harlem and Queens. Craig Gernett allegedly robbed multiple banks in
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“We will instead foster a dynamic, prosperous, and outward-looking economy,” using “free markets powered by the entrepreneurial zeal of businesses.
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MarketStudyReport.com presents latest report on global Real Estate Accounting Software Market, which evaluates the growth trends of the industry
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A year after buying Orvis, Leigh H. Perkins launched what is believed to be the nation's first fly-fishing school in Manchester. Tom Rosenbauer, the Fly
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A local couple closed their consignment shop and quit their other jobs to bank on beans and to make some bucks. FOX8's Michelle Wolf introduces us
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A plan to reunify the central banks in civil war-torn Libya is facing difficulties, with one faction calling for the replacement of the Tripoli-based governor.
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A fintech / proptech hybrid, CrowdProperty matches investors — wholesale investors, SMSFs, institutional lending groups — with developers of high
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… for allegedly violating New York statutes that require mortgage lenders to record a borrower's repayment within 30 days, the appeals court ruled.
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Real estate investment in China for 2020 increased at a robust rate of 7% from a year earlier. Chinese folk singer Chen Peng performs for Marketplace
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Jazeera and Air Arabia experience contrasting first-quarter fortunes … Kuwaiti budget carrier Jazeera Airways has turned in a first-quarter loss while
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The banking sector has seen a strong start to 2021. In fact, the S&P Banks Select Industry Index is up 31.4% so far in the year in comparison to the
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UWM told HousingWire in late April that approximately 600 of the 3,000 brokers didn't sign the addendum. The earnings statement doesn't speak to
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First Quarter 2021 Financial Highlights … “Closed loan volume” is the aggregate principal of the residential mortgage loans originated by UWMC
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The American Bankers Association (ABA) has welcomed plans to kickstart the economic recovery in underserved areas by easing regulations that
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Bank of Colorado was approved this month by the Colorado Banking Division Board for a new branch at the Mesa Mall in Grand Junction at 2452
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Visit J-Wire's main page for all the latest breaking news, gossip and what's on in your community. Speak Your Mind. Comments received without a full
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The last one is reality in the Hardin County Market, now in the second quarter of 2021. We currently have a housing shortage, and when a property
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Freddie Mac Rates. The weekly average rates for new mortgages as of 13th May were quoted by Freddie Mac to be: 30-year fixed rates fell by 2 basis
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Wichita, Kan. (KSNW) – When you're a freshman in high school all the rage may be video games or sports. South High freshman Javion Napier has a
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The Roanoke Times lists real estate transfers from the Roanoke Valley … Behrens, Nancy G. to Property Partners Roanoke LLC, 1111 First St. S.W.
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Hamptons' data shows that under the mortgage-guarantee scheme with a 4.09 per cent interest rate (offered by NatWest), the monthly repayment
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The property was purchased six years ago by Daly City real estate agent Trent Zhu, KGO reported. The 1.1-acre lot is located three city blocks east of
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The Deseret News took a deep dive into Utah's raging hot real estate market and how it fits in to what's happening in other Western states. With high
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Solid-State Detectors Market research is an intelligence report with … real estate, logistics, F & B, media, etc. but also your company data, country
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The company's stock had a trading volume of 1,059,213 shares, compared to its average volume of 1,964,745. The business's 50 day moving average is
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PETALING JAYA: The adoption of environmental, social and governance (ESG) principles in the banking sector is gaining momentum but its success
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During Pride Night at the Cavs home court Rocket Mortgage Fieldhouse, a video that showcased important figures in the Northeast Ohio LGBTQ
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The data which has been looked upon is done considering both, the … real estate, logistics, F & B, media, etc. but also your company data, country
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The outperformance was driven by a boom in mortgage lending. Lloyds lent net £6bn against homes in the quarter, including £4bn handed to first time
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The Pandemic merely accelerated the trends. But many less expensive inland counties gained population. Folks in government are now praying that this
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Doug Jones – President & Chief Mortgage Banking Officer. Dan Perotti – Senior Managing Director & Chief Financial Officer. Conference Call
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TELUS International (Cda) Inc. (NYSE:TIXT) Q1 2021 Earnings Conference … and also available on our website at telusinternational.com/investors.
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One such scam relied on a fake news article which fabricated Branson quotes extolling the benefits of an alleged crypto-currency platform, while
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Foreign sales should rebound as the pandemic ends. Miller's stock has an inconsistent correlation with the ISM manufacturing PMI. I wouldn't sell it
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With the introduction of a state guarantee, it is now easy to apply for a mortgage for people under the age of 35. Mutual. In recent days, the prime
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Kenosha Based Clothing Company Named as the Title Sponsor for NASCAR Race at Road America. May 15, 2021 | 5:00 PM. Local News, Ryan Brahm.
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Why isn't the U.S. sharing its extra vaccine doses with the rest of the world? America led the world in buying up the messenger RNA vaccines that
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But one major UK bank has escaped scrutiny for its poor coal policies: Standard Chartered. Best known for sponsoring Liverpool FC, Standard
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While Westerners would normally just pocket the card, there you study it so you absorb all the details, especially name, title, company.” One response
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PITTSFIELD — Rebecca Sorrentino has been promoted to vice president/relationship manager-My Banker for Berkshire County by Berkshire Bank.
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Milicic: Derbyshire impacting Bulls' fortunes with more than goals alone. Matthew Comito Updated: +. Macarthur FC head coach Ante Milicic says
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(The Center Square) – Legislation authored by Rep. Sheryl Delozier, R-Cumberland, to strengthen the independence of Pennsylvania's banking fund
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The up-to-date research study published by Global Marketers, entitled “Global Online Lending Market“, focuses on industry growth, market scope,
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This article by Simply Wall St is general in nature. It does not constitute a recommendation to buy or sell any stock, and does not take account of your
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The first impact in the lending ecosystem due to lockdown is always on the recovery cycle. With over $2.4 Bn invested in Indian lending tech startups
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Sign up here for our daily coronavirus newsletter on what you need to know, and subscribe to our Covid-19 podcast for the latest news and analysis. For
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Plus, he picked the worst time to get into banking — right in the middle of the savings and loan crisis in 1989. “Clearly, I'm not very bright,” said the
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Transitions Business and Real Estate Lending specializes in finding … The CEO, Janna Valencia, holds a mortgage loan originators license and is an
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The Virginia Bankers Association Education Foundation announced that Carter Watts is the statewide scholarship winner of the VBA Bank Day
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His in-depth knowledge of real estate and his open personality makes him one of the best real estate trainers. Justin Colby Background. Justin
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In his role, Jonathan is responsible for the Q2 Banking-as-a-Service and Q2 Innovation Studio organizations, giving him deep insight into the dynamics
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Never miss a Moment … Fortune favors the bold. … The media could not be played.
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March saw the biggest monthly jump in house prices for 32 years; Tom Piotrowski assesses the market.
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English former professional football player David Seaman initially started his career by starting playing for Leeds United. Seaman began to gain
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The South Asian economy's move to scout for newer markets stems from the need to diversify its trade basket that's heavily reliant on the U.S., EU and
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The collection kit arrived and it's definitely making me so excited for the arrival of our baby boy. “Is cord blood banking something you have ever looked
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The property's listing agent declined to speak to NOW. Toronto real estate pulled back for the first time in a year. According to the Toronto Regional Real
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Customers called it a “nightmare”, with people unable to pay for petrol to get to work and payments being rejected. The bank apologised and promised “
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Fintech lenders have more work to do here to educate Congress on this issue. Mortgage Lender Better to Go Public in SPAC Deal from The Wall Street
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New owners, Jeff and Olivia Hornig have over 40 years of combined real estate and financial management experience and have been owners within the
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Richard Sciaudone joined St. Mary's Bank as a residential leading sales manager. Sciaudone brings 26 years of mortgage lending sales and leadership
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The technological trends that will impact the FinTech sector are innovative and … With the current ongoing scenario, there is an uptake of interest in … is slowly increasing the investment of younger generation in real estate to add to
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The signals from bonds have broad implications across markets. Stocks slumped by the most since February after the inflation data as traders pulled
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Medicinally, it is a known laxative with blood-clotting properties and not one to experiment with. In our lawn, while green and thick in spring, it dies out
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Dee previously served as the bank's executive vice president/customer transformation director. In her new role, Dee will be managing a retail
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A technical issue is affecting its online banking and the firm is working to resolve the matter. In a statement, Santander said: “We're aware of a technical
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A global leader in lighting products and solutions, Acuity Brands, currently found in the discount bin, provides investors a steady stock that can offset
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Want to save money on a home? Consider building one yourself. Here's how one blogger did it. Many people dream of being free of their mortgages
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Although I have not been able to find an actual copy of the St. Landry Real Estate Journal, I was able to find some of its articles that were reprinted in
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In November, Marqeta was considering seeking a valuation of about $10 billion in an IPO, Bloomberg News reported. For More: Goldman Sachs
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“Driver shortages are definitely impacting all gig companies right now,” said Bloomberg Intelligence analyst Mandeep Singh. “There's a multitude of
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Sign up for our Middle East newsletter and follow us @middleeast for news on the region. Gaza City, Gaza Strip (AP) — An Israeli airstrike targeted and
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Why the lender matters. Advertisement. The cheapest mortgages are offered by non-banks or are loans that are not “white-labelled
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Chapter 3, to display the Technical Data and Manufacturing Plants Analysis of Hotel Logistics, Capacity and Commercial Production Date,
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The Darwendale platinum mine project, near Harare, Zimbabwe in 2020. Photographer: Godfrey Marawanyika/Bloomberg. In December, Zimbabwe
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… people's patios or yard areas,” said Lisa A. Smith, a real estate lawyer and a partner in the New York office of the law firm Smith, Gambrell & Russell.
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In Singapore — the best place to be in the coronavirus era by Bloomberg's Covid Resilience Ranking — people have attended concerts and gone on
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“The real estate sector was first hit by air pollution in 2019. After gaining momentum the sector was hit by lockdown and migration of labours in 2020. But
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Troopers were called to the Wells Fargo Bank at 950 Pottsville Park Plaza in Norwegian Township about 11:10 a.m. Friday. – Advertisement -. Bank
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Lepire, who is the Branch Manager of Berkshire Hathaway Drysdale Properties here in Carson City, has been a real estate agent for more than 20 years.
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Bloomberg News reported Saturday that the “stockpile” of shots in the US is … Publix Super Markets Inc., one of the nation's largest regional grocery
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This analysis consists of key development trends, industry trend analysis (industry trends under COVID-19), future opportunities in the market, product
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It has been a year like no other since the property market reopened on May 13, 2020. Against a backdrop of a global pandemic and looming recession
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While inflation concerns rattled equity markets this week, a pick up in … of outflows since February 2020, according to data compiled by Bloomberg.
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Since state and local income taxes and property taxes above $10,000 are not deductible, most people take a standard deduction. Mortgage deductions
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In the SHOWTIME CHAMPIONSHIP BOXING co-feature, former unified super bantamweight world champion Danny Román faces Ricardo Espinoza
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25 for the U.S. pop star's second chart entry for 2021, following “Cover Me In Sunshine” (No. 6 in March). “All I Know So Far” is the title track from her
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China to Keep Up Momentum With Broadening Recovery: Eco Week. Bloomberg News. May 15, 2021, 1:00 PM PDT. Fed minutes
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After a successful UFC debut in January, Michael Chandler immediately got the call from the company brass with a title shot offer. Four months later
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… securities violations and breach of fiduciary duty claims against Detroit-based real estate mortgage company Rocket Companies, Inc. (NYSE:RKT).
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“Watch House Market is growing at a High CAGR during the forecast period 2021-2027. The increasing interest of the individuals in this industry is that
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When looking for home loans, be firm about your budget or how much you can borrow so that you can comfortably carry the loan through its tenure. To
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Those looking to take their first step on the property ladder received a further boost last month when the Government's mortgage guarantee scheme
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Hogan said mortgage relief money would allow people to keep their homes, … Currently, only federally-backed mortgages could qualify for up to 18
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A person familiar with the fund's trading said the company didn't hold the shares prior to Archegos's implosion. Wealth for You. Enjoying Bloomberg
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Last week, reporter Ryan O'Rourke, 27, wrote that many of his generation will seemingly never be able to buy their own homes, as international funds
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Latest report by InForGrowth with COVID19 Impact on Reverse Mortgage Providers Market offers detailed coverage of the industry and main market
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It can also help you avoid the extra expense of private mortgage insurance (PMI). Be sure to calculate other costs of home buying, like: • Closing costs
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Help to Buy is a scheme which allows those eligible to buy a new-build property up to the value of £250,000 with help from the Welsh government by
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(WXYX) — Choosing to refinance your mortgage can be a tough call. Financial expert Michael Foguth, Founder of Foguth Financial Group, explains
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The hottest Twin Cities housing market in decades is sparking bidding wars with offers well above asking price, prompting bewildered questions from
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Dogecoin Millionaire: Goldman Sachs Exec Quits After Making a Fortune From DOGE. Francisco Memoria. 15 May 2021; /; In #Altcoins
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The study examined factors such as mortgage delinquencies, foreclosures, and homeowner and rental vacancy rates. All 40 are among the 200 largest
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Real Estate Forum and GlobeSt.com together is putting a spotlight on the achievements of women in commercial real estate. This year, we collected
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… Vermont Community Foundation to purchase two lending chrome books, … of a donation from Harbor Freight Tools to start a Tool Lending Library.
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A detailed presentation of forecast, trends, and dollar values of global Real Estate Marketing Software Market is offered. In accordance with the report,
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Like the stock market, house prices have refused to succumb to the carnage wreaked on the UK economy by coronavirus and lockdown; Not only have
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This research study explores the Global Market in detail such as industry chain structures, raw material suppliers, with manufacturing The Lending
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Rising home values can quickly transition a reasonable housing market into the type of real estate monster that has consumed places like the San
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When applying these percentages to Census data on new-home prices, the data show an estimate that regulatory costs in an average home built for
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A blond-haired bandit struck the TD Bank in Washington Heights, but he may not get too far, authorities said. The robber entered the branch at 158th
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INROADS is a non-profit that's been helping underserved students get paid internships and jobs in fortune 500 companies since 1970. Over the last
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LED Makeup Mirror Market Report Focusing on Current Trends and Leading Fortune Companies size 2028 News. 6 min read. 6 hours ago james.
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Follow us on Facebook, Twitter, YouTube & Instagram to never miss an update from Fortune India. To buy a copy, visit Amazon. Healthcare & Hospitals
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Global Core Banking Software Market Report 2020 by Key Players, Types, Applications, Countries, Market Size, Forecast to 2026 (Based on 2020
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All three banks are affiliates of N.H. Mutual Bancorp, a mutual holding company that offers operational support to its subsidiaries. SBW's Customer
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Volunteer bakers lend support to local food banks through Community Loaves program. By Steve Bloom. May 15, 2021, 1:50 PM. Working at her
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… people took to the streets to protest what they saw as a backdoor way of selling off Kazakhstan's land to international buyers, wrote Bartlett.
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Mountain House, when it comes to the price of tract resale homes, is the … the Manteca-Lathrop-Ripon housing market continues to see rising prices
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NH Homeowners Eligible For $3,252 In Mortgage Relief. Grant Funding USA. A New Mortgage Stimulus Relief Program is Giving $3,252/yr Back to
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Canadians should look forward to the global economy reopening. Economists estimate a 5.2% international economic growth. Also, after the 5.5%
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The latest Consumer Lending market report lends a competitive head start to businesses by offering accurate predictions for this vertical at both
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Many first-time applicants are in the dark about what the banks, which approve home loans, are looking for. The process is relatively straightforward,
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MarketQuest.biz has come with the title Global Corporate Wellness Programs Market 2021 by Company, Regions, Type and Application, Forecast to
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Intel,Qualcomm,Texas Instruments,International Business Machines (Ibm),Stmicroelectronics,General Electric (Ge),Hewlett Packard Enterprise (Hpe)
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… either the Federal National Mortgage Association (Fannie Mae) or the Federal Home Loan Mortgage Corporation (Freddie Mac)—that is, the GSEs.
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It was hard to notice, but while markets were lurching, stock strategists at … a pace of upgrading that was the second fastest since Bloomberg began
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The bank teller told Bowen about a rise in fraud-related cases involving … It turns out the crossover between old-school banking and mobile tech is
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The country moved faster than other emerging markets to put its finances in order, and Latin America overall has seen poverty deepen during the
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The only public bank in the U.S. is the Bank of North Dakota, headquartered in Bismarck. That may soon change as growing momentum around public
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If you don't have an emergency fund, you should not be investing your … Mortgages, for example, have low interest rates, so there's nothing wrong
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As the calendar flips to June — peak season for apartment moves across the country — rental rates across the U.S. are starting to rise, as states
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5 on The Wall Street Journal/Realtor.com Emerging Housing Market Index. … The custom-built home features wood floors and an open floorplan.
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Blind bidding process leading to 'distrust' in the real estate industry, broker says. Jessica Cheung · CBC News · Posted: May 15, 2021 4:00 AM ET | Last
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One of the ways retirees achieve this financial goal is to sell their existing home to access built-up equity and then downsize into a home that will not
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A transwoman lending helping hand. Veena, a transsexual woman is a familiar face in Okalipuram area in Bengaluru. At a time when the pandemic is
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Tomb Raider 2 will be produced by Graham King via his GK Films banner, along with Elizabeth Cantillon via The Cantillon Company. Production was set
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A FAMILY BUSINESS FOCUSED TO BE A CHANGEMAKER FOR GREATER GOOD. By Fortune India Exchange, May 15, 2021. A FAMILY
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Today, if we buy title insurance on a property, a title company does research to determine the rightful owner of that property. In the future, blockchain
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Sam Khater, the Vice President, Chief Economist of and head of Freddie Mac's Economic and Housing Research division says “the main driver of the
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MCAN Mortgage's Dividend Is Well Covered By Earnings. We like to see robust dividend yields, but that doesn't matter if the payment isn't sustainable.
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San Jose Mayor Sam Liccardo introduced a new small loan program this week to help homeowners afford the cost of building a new backyard home, or
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Editor's Note: As more people are working from home, Bloomberg Pursuits is … when fresh mushrooms abound in farmers markets after any rainy day.
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Buying a property can seem like a daunting prospect and for many people it is … POPULAR ARTICLES ON: Real Estate and Construction from UK.
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Colin Foard, who studies this issue for the Pew Charitable Trust, has a similar view. He says cities and states desperately need the money from the
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The Northwest Michigan Division of Real Estate One closed a … study of the housing market across the 10-county region the two organizations serve.
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How to save money on summer expenses | Personal Finance. Mary Fox Luquette. MBA, CLU, ChFC. Now that summer is almost upon us, we are
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Melbourne and Victoria's most tightly held house and unit markets — where owners can cash in big time — have been revealed. SEE THE LIST.
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Wendy Shoemaker of Intermountain Commercial Real Estate and Laurie Reynoldson of TOK Commercial facilitated the transaction. Name Brand
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By Friday night, Venmo accounts tied to the president and first lady Jill Biden were no longer online, Buzzfeed said. BuzzFeed News found President Joe
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Real Estate Asset Management Software report studies the present state of the market to analyze the future opportunities and risks. Get FREE Sample
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Reuters NerdWallet provides financial guidance to users on credit cards, loans, mortgages and other financial products. Bengaluru | New York:
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Global Luxury Real Estate Market Size and Global Trends (2016-2026) provides a comprehensive analysis of the latest market dynamics, such as
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Taxpayers can check their TDS online by using the net banking portal. However, in order to do so, you need to link your PAN with the net banking
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Infinity Business Insights has segmented the global Clinical Nutrition Market report for the purposes of this study based on product, use, end-use, type,
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Latest research study from JCMR with title Global Taxi Booking Software … Chapter 10, Regional Marketing Type Analysis, International Trade Type
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TORONTO, May 14, 2021 /CNW/ – NorthWest Healthcare Properties Real Estate Investment Trust (TSX: NWH.UN) (the “REIT”) announced today that
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Automotive Lamp Housing Market with COVID-19 Impact by Component, Application, Services, and Region- Forecast to 2027. The Global Automotive
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Does Automotive Properties Real Estate Investment Trust Have A Good ROE? By comparing a company's ROE with its industry average, we can get a
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Khan Market is among the most expensive retail locations in the world, and Navneet Kalra owns several properties here. (Image: News18). New Delhi:
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Gates built one of the great fortunes in human history when he founded Microsoft in 1975 with Paul Allen. The Gateses' net worth is estimated to be more
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Putting in a rental suite in your basement as a mortgage helper; Turning your backyard into the oasis you have dreamed about. I've assisted several
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Freddie Mac recently released the results of its Primary Mortgage Market Survey (PMMS), showing that the 30-year fixed-rate mortgage (FRM)
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Real Estate and Construction. Travel and Hospitality. Media and Entertainment. Others (Transportation and Logistics, Automotive, and Energy and.
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WBK covered Fannie Mae's and Freddie Mac's guidance on the changes to loan eligibility due to the Revised General QM Rule and the Amended
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Radio Real Estate May 15th, 2021. By rfarmer May 15, 2021 11:44 am. KGMI.
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The Real Estate Portfolio Management Software Solution industrys theme, which appears at market intervals, provides an absolute description of
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Now, they can't buy new cars. If you've been following along, you know Ford started shutting the doors on its factories back
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Asia's largest bank has moved to offer its wealthiest clients direct access to cryptocurrencies. What Happened: Singapore-based DBS Group Holdings
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Prices go up when fewer houses are available, of course, just like any other item. “There is a housing shortage,” Cheryl Henning, president of the Elko
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Okwiri's title bout will be the main event in a boxing promotion organised by international betting company 22Bet. Former world boxing heavyweight
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(Bloomberg) — The chief executive officer of a $1.7 billion Canadian private lender closed his personal bank account just days after he was questioned
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The Real Estate Transaction Management Software market industry provides market research data status categorizes the Real Estate Transaction
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… the Housing Pact (Pacte Logement) defines a long-term lease (bail emphytéotique) as “a real property right consisting of having the full enjoyment of
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Brian Stoffel: Brian, there is no industry that will put me to sleep faster than banking. [laughs] But I spent some time earlier this week on Motley Fool Live
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Only about $1 million, or 2.9%, has gone to renters in financial hardship. “It's very cumbersome. It's almost as bad as completing a mortgage application.”
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Copper mining made Bisbee a boomtown before Arizona was even a state. Now its history is its fortune — the heart of its appeal as an interesting place
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The latest SaaS Mortgage Software market report lends a competitive head start to businesses by offering accurate predictions for this vertical at both
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The good news is that Covid-19 cases are falling in just about every state, … in the mountainous West, according to the Bloomberg Vaccine Tracker.
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“The recent report Global Digital Lending Platform industry provides an in-depth analysis of market share forecasts for the forecast era. This research
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Santander customers have reported being shut out of their bank accounts when trying to access online banking services on Saturday. The bank, which
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Global Online Loans Market Report 2020: Upstart, Funding Circle, Prosper, CircleBack Lending, Peerform, Lending Club, Zopa, Daric, Pave, Mintos, etc.
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… mortgage buyer Freddie Mac. Low rates and millennials coming of age are expected to keep the pressure on the supply/demand dilemma leading to
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… Office), Real Estate Solution (Smart Buildings), Others). Integrated Facility Management (IFM) the manufacturing cost structure analysis of the market
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Senior VP of Community Development Banking for PNC Bank, Tony Smith joins Dane Neal “On The Road” to share the mobile branch banking and
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Industrial Chain, Sourcing Strategy and Downstream Buyers: Denture Disinfectants Industrial Chain Analysis, Upstream Raw Materials Sourcing, Raw
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A New York family's investment of about $8,000 in Shiba Inu coin, a dogecoin spin-off, netted them a $9 million fortune in the space of a few months,
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Similarly, the Real Estate Investment Solution market study includes a variety of user-friendly presentations and diagrams, such as maps, pie charts, and
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Through the summit, participants may share ideas, exchange best practices, learn about global real estate trends, connect with industry leaders and
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If you woke up this morning noticing that Zillow dropped the value of your home by $90,000 since yesterday, you may not be the only one. But hang
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“The rent at my two-bedroom apartment,” Crockett-Ntonga continued, “was $1,500 plus utilities at the time of my eviction. I'd paid rent and utilities on time
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Officials at Air India were not immediately available for comment to Bloomberg. Local news wire PTI reported, citing unidentified sources, that the
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The latest report of the Mortgage and Loans Software market elaborates on factors driving and hindering growth of the industry. Moreover, the report
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Credit scores play a big role in determining whether or not you qualify for a mortgage. But what exactly constitutes a 'good' credit score for a mortgage
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MORTGAGES are often the pathway which enable people to get onto the property ladder, however getting a mortgage on the first attempt has proven
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