Understanding DUI Charges in Chicago

February 1, 2024 admin 0 Comments

Comprehending Drunk Driving Charges in Chicago

Before we explore the process of locating the best DUI lawyers,let’s initial comprehend the nature of Chicago criminal defense lawyers. Driving Under the Influence (DUI) takes place when an private runs a automobile while impaired by alcohol,drugs,or a combination of both. In Chicago,the lawful blood alcohol concentration (BAC) limit is 0.08% for individuals over the age of 21 and 0.00% for underage vehicle drivers.

A DUI fee can lead to both criminal and administrative effects. On the criminal front,you may deal with penalties,probation,mandatory alcohol education and learning programs,social work,and even imprisonment. On the management side,your vehicle driver’s license might be suspended or revoked,making it testing to commute to work or meet your day-to-day commitments.

The Importance of Hiring DUI Attorneys

When dealing with a DUI charge,hiring skilled DUI attorneys is essential to safeguard your civil liberties,build a solid protection,and browse the legal intricacies of the Chicago court system. Here are some key reasons why you need to think about employing a DUI attorney:

Knowledge in DUI lawyers focus on the complexities of DUI legislations and have considerable understanding of the legal procedures,possible defenses,and settlement tactics. They can leverage their experience to test the prosecution’s evidence and develop a robust defense method on your behalf.

Security of Rights: DUI lawyers comprehend your humans rights and ensure they are secured throughout the legal process. They will very carefully assess the circumstances of your apprehension,including the validity of the web traffic quit,the accuracy of the breath analyzer test or blood examination results,and any prospective offenses of your civil liberties.

Reduced Penalties: With their understanding of the legal system and arrangement abilities,DUI lawyers can make every effort to reduce the potential fines you may deal with. They may discuss appeal offers,alternative sentencing alternatives,or test the evidence versus you to achieve the most effective feasible result.

Court room Representation: If your situation goes to test,having a skilled DUI attorney on your side is vital. They will certainly offer your defense method,cross-examine witnesses,and challenge the prosecution’s evidence in court. Their courtroom experience and influential abilities can make a significant distinction in the result of your case. More information about DUI Attorneys here.

How to Find the very best DUI Attorneys in Chicago

Now that you understand the value of working with a DUI lawyer,let’s discover some effective approaches for finding the most effective lawful depiction in Chicago:

1. Seek Recommendations and Referrals

Begin your search by looking for suggestions and referrals from relied on sources,such as close friends,family,or coworkers who may have had prior experience with DUI lawyers. Their firsthand insights can supply valuable info regarding the lawyer’s professionalism and reliability,communication design,and success rate.

2. Research study Online

Use on-line resources to research DUI attorneys in Chicago. See their sites,read client testimonies,and assess their track record of success. Take note of lawyers that concentrate on DUI defense and have extensive experience managing instances similar to yours.

3. Examine Online Legal Directories

Online legal directories,such as Avvo or Martindale-Hubbell,can offer a detailed checklist of DUI lawyers in Chicago. These directories commonly include detailed accounts,customer reviews,and peer scores,enabling you to assess an lawyer’s credibility and credentials.

4. Schedule Initial Consultations

Once you have determined a few potential DUI lawyers,routine first assessments to review your situation. This is an opportunity to examine their interaction style,professionalism and trust,and total compatibility. Throughout the consultation,ask about their experience,success rate,and their technique for your details instance.

5. Assess Their Experience and Track Record

When examining prospective DUI attorneys,consider their experience and performance history in dealing with DUI instances. Look for attorneys that have efficiently defended customers versus DUI fees and have a deep understanding of the regional court system,including the judges,district attorneys,and lawful precedents.

First Date Expectations and Manners

December 7, 2023 admin 0 Comments

A first date is an opportunity to make a lasting impression. In London,casual and low-key activities are frequently chosen. Coffee or beverages at a local café or bar are classic choices for a first meet-up. It is popular to divide the costs,so be prepared to pay for your part according to escorts in Croydon.

To make sure punctuality,plan your route in advance,as London’s transportation system might not be readily available 24 hours. Being late can be viewed as disrespectful and careless,so aim to arrive on time or perhaps a couple of minutes early.

While communication is very important in any dating scenario,British individuals may not constantly master this location. Nevertheless,it’s crucial to reveal active listening and engagement during discussions. Ask thoughtful concerns and reveal genuine interest in your date’s actions at according to outcall escorts in Croydon.

For example,if your date mentions their passion for art,you could ask them about their favourite artists or art exhibitions they’ve just recently checked out. This not just demonstrates your attentiveness however also provides an opportunity for meaningful discussion and connexion.

Another key element of first date manners is to prioritise regard and authorization. While physical contact might vary from person to person,it’s essential to establish boundaries and look for verbal or non-verbal hints before initiating any form of touch.

Some may argue that spontaneity adds enjoyment to a first date,while others prefer adhering to pre-determined strategies. It eventually depends on individual preference and the vibrant in between you and your date. Nevertheless,having a basic concept of the venue or activity in advance allows for smoother logistics and assists develop a more comfortable environment.

Comprehending British Dating Culture

Before starting your dating journey in London,it’s important to understand the subtleties of British dating culture. While there is no one-size-fits-all method,being aware of specific propensities and expectations can assist you navigate the dating scene more effectively.

The British communication style often involves subtlety and understatement. Brits tend to be indirect with their words and might use humour or sarcasm to communicate their ideas. This can often cause misconceptions or misconceptions,so it’s crucial to focus on spoken and non-verbal hints.

In addition,Brits value their individual area and personal privacy. While physical screens of love are not uncommon,it’s usually best to determine the convenience level of your date before initiating any intimate gestures. Respect for personal boundaries is key.

In London particularly,dating tends to be more simple and less formal than in other cities. Standard techniques of dating,like conference in bars or on television,are less common. Online dating platforms and pre-arranged meetups are prevalent,enabling individuals to connect before committing to an in person encounter.

Image this scenario: You strike up a conversation with somebody on a dating app and set up to fulfill at a fashionable coffeehouse in Shoreditch. Anticipate very little pre-date discussion and a straightforward attitude towards dating. Londoners are usually bumbling and awkward or excessive arrogant – finding the ideal balance is essential!

Londoners likewise have varied backgrounds due to the multicultural nature of the city. Embrace this diversity by being open-minded and respectful of different cultural norms and traditions when engaging with possible partners.

Now that we have gained some insight into British dating culture,let’s explore the essential dos and do n’ts while dating in London.

Healthy and Happy Relationship Tips: Love and Communication Guidance for Couples

November 15, 2023 admin 0 Comments

Navigating the ocean of love and dedication can typically appear a challenging task according to cheap escorts in Croydon. Yet,it is the strength of communication that captains our ship with troubled waters,securing us strongly in the harbour of happiness. Guide away from those treacherous undercurrents and misdirected winds with our newest blog post! Study a bonanza of guidance covering every little thing about growing a healthy and balanced,happy relationship– buoyed by regular positive communication. So,whether you’re embarking on a brand-new enchanting voyage or wanting to stable an existing course,read on for some vital tips and tricks that will certainly keep your relationship cruising efficiently towards sunset.

Building and keeping a healthy and happy relationship needs reliable communication,establishing borders,and reviewing emotions. It is important to develop clear boundaries,communicate honestly and honestly,and pick up from your experiences to nurture strong partnerships. Bear in mind,regulating your very own actions and responses while concentrating on comprehending your partner’s emotions can considerably contribute to the joy and longevity of your relationship. For more comprehensive pointers,see our internet site where we provide skilled recommendations from the Mental Health Foundation.
Growing Joy in Your Relationship

In any romantic relationship,it’s important to grow a feeling of joy that boosts both partners and contributes to the total happiness of the partnership. Cultivating joy entails producing an environment where both partners feel liked,sustained,and valued. One means to do this is by celebrating each other’s successes,no matter exactly how big or tiny. When your companion attains something considerable,whether it’s a promo at the office or completing an individual objective,take the time to acknowledge their accomplishment and reveal genuine joy for them according to Croydon escorts.

An additional means to cultivate pleasure in your relationship is by participating in tasks that bring you both happiness and giggling. This could be as easy as watching an amusing movie with each other,choosing a walk in nature,or trying out a brand-new hobby or activity as a couple. The trick is to produce moments of common joy and develop memories with each other.

Additionally,expressing gratitude towards your companion consistently can assist grow delight in your relationship. Make the effort to value the little points they do for you and share your thankfulness for their presence in your life. It could be as simple as thanking them for making you a mug of coffee in the early morning or recognizing an act of compassion they showed you.

Communication plays a vital role in cultivating pleasure within a relationship. See to it to connect freely and truthfully regarding your needs and wishes,while additionally actively paying attention to your partner’s desires and needs. By recognizing each other’s point of views and working together to discover mutually satisfying options,you can promote depend on and harmony.

Keep in mind that growing joy is a continuous process that calls for initiative from both partners. It’s essential not to take each other for provided and continually discover methods to inject positivity into your relationship. By prioritizing delight and happiness,you can strengthen the bond in between you and create a flourishing partnership.

Since we’ve checked out cultivating joy in a relationship,let’s turn our interest to cultivating shared objectives and aspirations.

The Impact of Rising Construction Loan Interest Rates on New Homeowners

November 6, 2023 admin 0 Comments

For many, the dream of owning a home is a lifelong aspiration. Building a custom home, tailored to one’s exact preferences, is an even greater dream. However, as construction loan interest rates rise, many prospective homeowners are finding this dream increasingly difficult to achieve. In this article, we will explore the consequences of rising construction loan interest rates on new homeowners and the home building industry.

Understanding Construction Loans Here: construction to perm loan

Before we delve into the impact of rising interest rates, it’s essential to understand construction loans. A construction loan is a short-term loan that provides the funds necessary to build a new home. Unlike traditional mortgages, construction loans have variable interest rates, and they are usually interest-only during the construction phase. Once the home is completed, the borrower must secure a permanent mortgage to pay off the construction loan.

The Impact of Rising Interest Rates

1. **Higher Costs:** One of the most immediate and noticeable consequences of rising construction loan interest rates is increased costs. New homeowners are borrowing money at higher rates, leading to larger interest payments over the life of the loan. This makes building a home more expensive, and for some, it could price them out of the market.

2. **Reduced Affordability:** Higher interest rates can affect the affordability of a new home. Even a small increase in interest rates can result in significantly higher monthly payments, potentially making it unaffordable for many families to build their dream home.

3. **Slower Construction:** As interest rates rise, many homeowners might reconsider their plans to build a new home. This hesitancy can slow down construction activity and have a ripple effect on the construction industry as a whole, leading to job losses and reduced economic activity.

4. **Tighter Lending Standards:** To mitigate risk, lenders may tighten their lending standards in a rising interest rate environment. This means that aspiring homeowners may face more stringent criteria for obtaining construction loans, making it more challenging for them to finance their projects.

5. **Uncertainty:** Fluctuating interest rates create uncertainty for prospective homeowners and builders. This uncertainty can lead to delays in construction projects as individuals and companies wait for more favorable lending conditions, further impacting the housing market.

The Implications for New Homeowners

For new homeowners looking to build their dream homes, the implications of rising construction loan interest rates are significant:

1. **Budgetary Constraints:** Higher interest rates can force homeowners to downsize their projects or make compromises on the quality of materials and finishes.

2. **Longer Payback Periods:** With increased interest costs, the time it takes to pay off the construction loan may be extended, leading to financial stress for homeowners.

3. **Risk of Abandonment:** In extreme cases, some homeowners may be forced to abandon their construction projects altogether, particularly if they can no longer afford the rising costs associated with their loans.

4. **Impact on Savings:** For those using personal savings to finance construction, rising interest rates can eat into their funds, leaving them with fewer financial resources for other life goals or emergencies.

Solutions and Strategies

Despite the challenges posed by rising construction loan interest rates, there are strategies new homeowners can employ:

1. **Lock in Rates:** If possible, lock in an interest rate before starting the construction project to ensure that you are not subject to rising rates during the construction phase.

2. **Budget Prudently:** Work closely with a financial advisor to establish a realistic budget that accounts for potential interest rate fluctuations.

3. **Consider Alternative Financing:** Explore alternative financing options, such as home equity loans or lines of credit, to reduce your reliance on construction loans.

4. **Seek Professional Guidance:** Engage with a financial advisor or a mortgage specialist who can help you navigate the complexities of construction loans in a changing interest rate environment.

Conclusion

The dream of building a custom home is one that many aspire to, but as construction loan interest rates rise, this dream becomes increasingly challenging to attain. The impact of higher rates is felt through increased costs, reduced affordability, and the potential for slowed construction activity. However, by understanding the implications and employing prudent financial strategies, new homeowners can still work toward realizing their dream of building a custom home, even in a rising interest rate environment.

Navigating Intellectual Property Litigation: The Strategic Advantage of Experienced Counsel

October 13, 2023 admin 0 Comments

For small and medium businesses,intellectual property such as patents,trademarks,and trade secrets are invaluable assets. However,disputes over unauthorized use and infringement of IP rights are common. When negotiating,litigation may become the only recourse to protect your interests. Although going to court should be a last resort,having experienced litigation counsel can provide startups and SMEs a critical strategic advantage.

Patent litigation in particular requires specialized expertise to handle unique procedures like Markman hearings,where key patent terms are interpreted. Seasoned what do commercial litigators do well-versed in claim construction theories can make winning arguments to judges. In trademark cases,understanding complexities like incontestable marks and assessing overlap in goods,services and geographies takes proficiency. Strong counsel adeptly handles copyright litigation intricacies too,like registration formalities,tests for copying,and complex damages.

In trade secret theft cases,time is of the essence. Experts can rapidly evaluate claims,get emergency restraining orders to prevent further disclosure,and formulate strategies for victory. Over 80% of stolen secrets involve employees or partners,underscoring the need for rapid response.

Beyond particular IP knowledge,choosing counsel with court experience across varied disputes is wise. Negotiation abilities,critical thinking,efficiency,and sound judgement enable preparation of airtight offense or defense strategies. Integrating alternative dispute resolution (ADR) techniques like negotiation,mediation or arbitration early on can potentially save costs and preserve business relationships. Lloyd & Mousilli employs whatever strategy is necessary to fight for the client’s best interest.

For small companies,litigation costs can strain limited resources. However,with novel innovations or unique branding,robust intellectual property protection is a must. Working with specialized counsel levels the playing field against infringers and sends a strong signal about enforcing your rights. Choose law firms with pragmatic approach,focusing on your business interests and desired outcomes.

Though going to trial is sometimes inevitable,prudent counseling and representation gives small firms an upper hand from the start. If you haven’t been sued or need to sue,a free consultation with a Houston commercial litigator will demonstrate this,as they also have specialty in setting you up for success.

Whether protecting innovations from copying or defending against wrongful allegations,intellectual property litigation is a domain requiring specialized legal acumen. Investing in experienced IP counsel provides startups and SMEs the power to vigorously defend their interests.

Find Competitive Mortgage Rates In Florida

October 11, 2023 admin 0 Comments

Navigating the Impact of Rising Interest Rates on Mortgage Loans in Florida

Florida has long been a sought-after destination for homeowners and real estate investors alike. Its stunning beaches,vibrant cities,and pleasant climate make it an attractive place to settle down. However,the real estate landscape in Florida,like the rest of the United States,is not immune to the economic forces that influence mortgage interest rates. This article delves into the implications of rising interest rates for mortgage loans in the Sunshine State and provides guidance for prospective homebuyers and current homeowners. Find out more: USDA Loans Orlando

The Impact of Rising Interest Rates

Mortgage interest rates have a significant influence on the affordability and dynamics of the real estate market in Florida. When interest rates rise,it affects the cost of borrowing,monthly mortgage payments,and overall affordability. Here are some key considerations:

Higher Monthly Payments: As interest rates increase,the monthly mortgage payments on new loans also go up. Homebuyers looking to secure a mortgage in a rising rate environment may find that they can afford a smaller loan amount than they initially anticipated.

Reduced Buying Power: Rising interest rates can diminish the buying power of potential homebuyers. As rates climb,they may find it more challenging to qualify for a mortgage or purchase a home within their desired price range.

Refinancing Implications: For existing homeowners with adjustable-rate mortgages or who are considering refinancing,rising interest rates can lead to higher refinancing costs. This may deter some homeowners from taking advantage of lower interest rates to reduce their monthly payments.

Impact on Home Prices: Rising interest rates can potentially slow down the rate at which home prices appreciate. Buyers who once entered the market with lower rates may be more conservative in their offers,impacting overall market dynamics.

Economic Implications: Rising interest rates can also impact the broader economy,influencing consumer spending,construction activity,and overall housing market health.

Navigating Rising Interest Rates in Florida

Locking in Rates: Prospective homebuyers in Florida should consider locking in their mortgage rates if they find a rate that fits their budget and financial goals. Locking in a rate ensures that it won’t change for a specified period,protecting buyers from subsequent increases.

Budgeting Wisely: In a rising rate environment,it’s essential for buyers to budget wisely. Consider how higher rates will impact monthly payments and make sure they align with your financial situation. Factor in potential increases when determining your budget for a new home.

Exploring Loan Options: It’s a good idea to explore various loan options. Fixed-rate mortgages,which offer a stable interest rate over the life of the loan,can provide peace of mind in a rising rate environment. However,adjustable-rate mortgages may have lower initial rates,which could be beneficial for certain buyers.

Consulting with Mortgage Experts: Seek advice from mortgage professionals who are knowledgeable about the Florida real estate market. They can provide insights into how rising rates may affect your specific situation and help you make informed decisions.

Considering Refinancing: For current homeowners,it’s worth exploring refinancing options before rates climb significantly higher. Refinancing can help lower monthly payments,even if interest rates have increased,as long as rates are lower than the original mortgage rate.

Conclusion

The rise of interest rates is a natural occurrence in the economic cycle,and it has implications for the Florida real estate market,just as it does for the rest of the United States. As interest rates increase,the cost of borrowing rises,and this has far-reaching effects on homebuyers,homeowners,and the overall real estate landscape. Learn more: Florida USDA Loans

For those considering buying a home in Florida,the key is to stay informed and plan strategically. Locking in favorable rates,budgeting wisely,exploring loan options,and consulting with experts are all part of a prudent approach. Additionally,current homeowners should keep an eye on refinancing opportunities that can help mitigate the impact of rising rates on their monthly payments.

While rising interest rates can present challenges,they are not insurmountable. With careful planning and consideration,Florida residents can continue to enjoy the benefits of homeownership and investment in this beautiful and dynamic state. Visit: Condotel Financing

Building a New Home in California: A Guide to Your Dream Home

August 7, 2023 admin 0 Comments

California,the Golden State,boasts breathtaking landscapes,a diverse culture,and a booming economy. If you’ve ever dreamed of building your own home in this sunny paradise,you’re not alone. Constructing a new home in California is an exciting journey filled with unique opportunities and challenges. In this guide,we’ll walk you through the essential steps and considerations to help you turn your dream home into a reality.

1. Define Your Vision

The first step in building a new home is to envision what you want. Consider the style,size,layout,and features you desire. Browse architectural magazines,online platforms,and attend open houses for inspiration. Create a vision board or scrapbook to organize your ideas,making it easier to convey your preferences to architects and builders.

2. Choose the Right Location

California offers a wide range of landscapes and climates,from coastal cities to mountainous regions and serene countryside. Selecting the right location is crucial,as it will influence factors like weather,scenery,and lifestyle. Research different regions to find the perfect match for your needs and preferences.

3. Budget Wisely

Building a new home is a significant financial commitment,so setting a realistic budget is essential. Take into account not only the construction costs but also permits,fees,landscaping,and furnishings. Keep in mind that costs can vary significantly based on location and property size.

4. Hire Professionals

Unless you have extensive experience in construction and architecture,hiring a team of professionals is a must. Seek reputable architects,contractors,and interior designers with a track record of successful projects in California. Building a strong team will streamline the process and ensure that your home is built to meet local building codes and regulation5. Obtain Necessary Permit.

5. Building Permits.

In California,building permits are required for most construction projects. The permitting process can be time-consuming,so it’s vital to start early and work closely with your architect and contractors to ensure all necessary paperwork is submitted correctly.

6. Embrace Sustainable Design

California has a strong focus on sustainability and environmental consciousness. Incorporating eco-friendly features in your home design not only helps protect the environment but also offers long-term cost savings through energy efficiency. Solar panels,energy-efficient windows,and water-saving fixtures are just a few examples of sustainable elements to consider.

7. Account for Seismic Safety

Being located on the Pacific Ring of Fire,California is prone to earthquakes. To ensure your new home is resilient to seismic activity,work with your architect and contractor to implement appropriate safety measures. Reinforced foundations,seismic retrofitting,and proper building materials are essential in earthquake-prone areas.

8. Adhere to Building Codes

California has strict building codes designed to ensure safety and minimize environmental impact. Familiarize yourself with local building regulations and work with your team to meet all requirements. Failure to comply with codes can lead to costly delays and modifications.

9. Optimize Indoor-Outdoor Living

With its temperate climate and stunning landscapes,California encourages indoor-outdoor living. Maximize your enjoyment of the surroundings by incorporating features like large windows,sliding doors,and outdoor living spaces into your design.

10. Focus on Fire Safety

Wildfires are a significant concern in many parts of California. When building your home,choose fire-resistant building materials and landscaping strategies that can help protect your property from wildfire risk.

11. Monitor the Construction Process

Throughout the construction process,stay involved and communicate regularly with your team. Regular site visits will help you track progress,address any concerns,and make real-time decisions as needed.

12. Plan the Finishing Touches

As the construction nears completion,start planning the finishing touches. Work with your interior designer to select paint colors,flooring,fixtures,and furniture that complement your vision for the home.

13. Final Inspections

Once the construction is complete,there will be final inspections to ensure that everything meets the required standards. Be prepared for these inspections,and address any issues that arise promptly.

In conclusion,building a new home in California is a rewarding and fulfilling process that requires careful planning,collaboration with professionals,adherence to regulations,and a clear vision. By following these steps and embracing the unique charm of the Golden State,you can create the home of your dreams and enjoy the Californian lifestyle to the fullest. You can find more information regarding construction loan financing at California Construction Loans or Nationwide Construction Loans.

Variables to Consider When Selecting a Roofer in St. Louis

July 29, 2023 admin 0 Comments

<p>
<h1> Intro to Roof Services</h1>
<br>
<br>
Roof is an crucial element of any kind of building,be it household or business. A well-kept roof not just safeguards the structure from external components but likewise improves the general appearance. When it involves roof covering solutions in St. Louis,it is critical to select the most effective roofing professional that can guarantee top quality craftsmanship as well as outstanding customer care. This article explores the relevance of choosing the appropriate roofing professional and also highlights the expertise of Andres Roofing Company.
</p>
<p>
<br>
<br>
<h2> Significance of Choosing the Right Roofer</h2>
<br>
<br>
Choosing the appropriate Roofers is of vital significance as it straight influences the toughness and also durability of your roof covering. A subpar roofing job can lead to leaks,structural damage,and also pricey fixings down the line. Consequently,it is crucial to think about a number of aspects before delegating your roofing task to a particular business. These variables consist of the roofer’s experience,credibility,licensing,insurance policy,as well as customer testimonials. By investing time and effort into finding the most effective contractor,you can ensure a convenient and acceptable roofing experience.
<br>
<be>
<h2> Elements to Consider When Selecting a Roofer in St. Louis</h2>
<br>
When searching for a contractor in St. Louis,there are specific factors that you need to keep in mind to make an informed decision. Firstly,take into consideration the roofing contractor’s experience in the industry. A roofing professional with extensive experience is most likely to have actually developed their skills as well as knowledge,making certain a work well done. Secondly,check the Andres Roofing’s credibility by checking out on the internet reviews and endorsements from previous consumers. Positive reviews are a testament to the roofing contractor’s competence as well as expertise.
<br>
<be>
<h2> Testimonials from Satisfied Customers</h2>
<br>
<br>
Among the very best means to determine the credibility and dependability of a contractor is through testimonials from pleased clients. Andres Roofing takes satisfaction in their lengthy list of pleased customers that have actually experienced their exceptional solutions. John Smith,a homeowner in St. Louis,commends the professionalism as well as performance of the Andres Roofing group. He states,”Andres Roofing surpassed my assumptions with their attention to information and prompt completion of the project. I very recommend their services to anybody looking for a dependable roofer.”
<br>
<be>
<h3> Final Thought and Final Thoughts</h3>
<br>
In conclusion,picking the most effective contractor in St. Louis is crucial for the long-lasting durability and also top quality of your roof. By thinking about variables such as experience,online reputation,licensing,as well as insurance policy,you can make an informed choice. Andres Roofing becomes a top selection,with their considerable know-how,thorough solutions,and endorsements from completely satisfied customers. When it pertains to roof solutions in St. Louis,look no further than Andres Roofing. Get in touch with them today at 314-267-7923 to review your roofing needs and also experience their know-how firsthand.
<br>

</p>