Key housing finance solution - KEY Housing Finance Solution · December 10, 2023 at 5:54 PM · KEY Housing Finance Solution. Housing Assistance Service. WhatsApp. All reactions: 2K. 35 comments. 3 shares. Like. Comment ...

 
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KEY Housing Finance Solution . 28,625 likes · 1,491 talking about this. Housing Assistance Service 23 236 subscribers. Key Housing Finance Solution is a company that develops the CHF Model, facilitating homeownership for 100,000 individuals within a 10-project timeframe in Addis Ababa and other major cities. View in Telegram. Preview channel. Find step-by-step solutions and answers to Corporate Finance - 9780077861759, as well as thousands of textbooks so you can move forward with confidence. Scheduled maintenance: March 23, 2024 from 11:00 PM to 12:00 AM2018. In 2018 ‘Key Retirement’ rebranded to ‘Key’ and marked the occasion with nationwide advertising campaigns, while more2life broke through the £2 billion worth of loans under management mark – doubling its total loan size in a year. 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Achieve comprehensive finance management across expenses, requisitions, payment processing, PO approvals, self-service expenses and reporting. Coupled with MRI’s unrivalled support, and highly experienced consultants and project managers that can ...በቅርቡ… . #Key_CHF #Finance_Solution #KeyThe need to improve the $5.2 trillion global trade finance ecosystem—which facilitates the movement of goods and services around the world—has been evident for some time. A recent Asian Development Bank study estimated that the gap in trade finance availability reached $1.7 trillion in 2020, representing 10 percent of global trade. 1 Kijin …Key benefits of our finance solution for housing associations. ... It’s the key feature which ensures that organisations are future-proof, as adding new entities is a quick and easy process, without the time and cost of additional implementation. 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This study adopted a qualitative and quantitative research approach to investigate the barriers of housing finance. To undertake and increase the relevance of this study, primary and secondary, qualitative and quantitative data were used. Primary data were collected from respondents; focal person’s and key …KEY Housing Finance Solution · December 10, 2023 at 5:54 PM · KEY Housing Finance Solution. Housing Assistance Service. WhatsApp. All reactions: 2K. 35 comments. 3 shares. Like. Comment ...A home is a dream to hold on to for each of us and a dream that each of us deserves to live, breathe, and enjoy. Home finance becomes that significant step in the journey of creating that dream home. Take that step with Aditya Birla Home Finance Limited (ABHFL). Our team works with you to customize a solution that fits all your housing needs.Key housing finance solution, Addis Ababa, Ethiopia. 52 likes · 1 talking about this. 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Designing and modifying different clothes and jewellery'sThe rents that low- and moderate-income households can afford to pay are often too low to cover the full costs of owning and managing a rental property. This gap between the funding needed to develop and operate a property and the revenue available is called the affordable housing funding gap. To fill the gap, developers usually need help in ...KEY Housing Finance Solution . 28,543 likes · 3,304 talking about this. Housing Assistance ServiceKEY Housing Finance Solution. 0:00. ሰላም Yidresu, ስለ Key-CHF Model ጥልቅ ማብራሪያ ለማግኘትና. እንዴት በአነስተኛ ቅድመ ክፍያ እና ዝቅተኛ ወርሀዊ ቁጠባ የባለ አንድ፣ሁለት …Key Housing Solutions, based in Ft. Myers, FL, was started with the intention of providing a competitive alternative to existing sources for corporate and vacation housing in the Southwest Florida market. We at Key Housing Solutions, LLC are dedicated to this industry, and we are committed to providing quality luxurious short term housing at ...The demand for affordable housing has surged amid high unemployment, a weak economy, and a rising cost of living, prompting increased reliance on the private sector to address the shortfall in affordable housing. South Africa’s urbanisation rate is expected to rise to 71% by 2030, with over two-thirds of the population already residing in ...The financing package that KeyBank constructed includes a $3.69 million equity bridge loan and $6.3 million in LIHTC equity investment. KeyBank also arranged $10.4 million in permanent financing through Freddie Mac. “Our integrated platform enables us to provide our clients with financing solutions that are complementary to each other …Jan 6, 2024 · Over 18,000 people have registered for this housing scheme, and the business has held its first lottery since it launched in August of last year. Six months from now, a second round draw is scheduled, according to Key Housing Finance Solution. The lotto was open to those who signed up by the end of December of the year prior and took part. KEY Housing Finance Solution ... በጣም ጥሩ Yidresu , ስለ Key-CHF Model ጥልቅ ማብራሪያ ለማግኘትና ...Sep 2, 2023 · Key Housing Finance Solution ማን ነው ? ጤና ይስጥልን. ስለ Key-CHF Model ጥልቅ ማብራሪያ ለማግኘትና. እንዴት በአነስተኛ ቅድመ ክፍያ እና ዝቅተኛ ወርሀዊ ቁጠባ የባለ አንድ፣ሁለት እና ባለ ሶስት መኝታ ቤት ባለቤት እንደሚሆኑ ... MYSHON is a Specialist Intensive Housing Management and Advisory company delivering key housing management and services into over 11,000 homes across the UK. MYSHON was formed to create a sustainable operating platform to facilitate growth and lasting partnerships with Registered Providers, Care Providers and Charities within the …Contribute to msarbak/CS50X-2022-Pset9-Finance-Solution development by creating an account on GitHub. Contribute to msarbak/CS50X-2022-Pset9-Finance-Solution development by creating an account on GitHub. Skip to content. Toggle navigation. Sign in ... A table can have only primary key (column), and multiple unique keys (columns). # C … Email or phone: Password: Forgot account? Sign Up Key housing Finance solution, housingOct 28, 2023 · KEY Housing Finance Solution ሰላም Alemneh , ስለ Key-CHF Model ጥልቅ ማብራሪያ ለማግኘትና እንዴት በአነስተኛ ቅድመ ክፍያ እና ዝቅተኛ ወርሀዊ ቁጠባ የባለ አንድ፣ሁለት እና ባለ ሶስት መኝታ ቤት ባለቤት እንደሚሆኑ ለመረዳት በ … KEY Housing Finance Solution . 29,031 likes · 963 talking about this. Housing Assistance ServiceKEY Housing Finance Solution, Addis Ababa, Ethiopia. 73 likes · 5 talking about this. Real Estate.Jun 30, 2009 | M. Ayenew, R. Martin | FinMark Trust. This report provides an overview of Ethiopia’s housing macro-economy as it relates to housing finance, the legal and policy framework for housing finance, the housing supply and demand factors at play, and how housing finance fits into this space. Theme: Housing Finance, Long-Term Finance ...See the original post on the Developing Smart Cities website. In my 13+ years at the Overseas Private Investment Corporation (OPIC), I have vetted hundreds of housing construction projects for possible debt financing. They cover the full range of housing sector specialities, including land development, construction (single family and high rise), …KEY Housing Finance Solution . ስለ ኪ ሲ ኤች ኤፍ ሞዴል እና ስለ KAP ማብራርያ ሚሰጥበት ፐሮግራም ...Nov 6, 2023 · Key Housing Finance Solution ! ለተጨማሪ ማብራሪያ በስራ ሰዓት ይደውሉ ። 0927 533 333 0927 222 266 0927 555 522 0927 555 544 0927 444 411 ... Key Financial Solutions, Inc, Southfield, Michigan. 731 likes · 176 were here. Over 30 years of tax resolution and tax preparation experience, our diverse staff includes former IRS certified tax...KEY Housing Finance Solution, Addis Ababa, Ethiopia. 73 likes · 5 talking about this. Real Estate. ኪ ሃውሲንግ ከቢዝነስ ባሻገር ነው! . . #Key_CHF #Finance_Solution #Key Finance Linked Individual Subsidy Program (FLISP) is specifically intended for the market segment whose income is inadequate to qualify for a home loan, but exceeds the maximum limit applicable to access Government’s ‘free basic house’ subsidy scheme. This market segment, generally known as the ‘affordable/gap’ market, earns between R3 501 and …An extensive feature and functionality-rich finance solution, widely recognised in the sector. Achieve comprehensive finance management across expenses, requisitions, payment processing, PO approvals, self-service expenses and reporting. Coupled with MRI’s unrivalled support, and highly experienced consultants and project managers that can ...Healthcare Overview. A leader in healthcare. banking. Nearly 10,000 healthcare clients across the U.S., from hospitals and physician practices to seniors housing and care facilities, rely on our Key Healthcare ® team of dedicated bankers for customizable investment banking, real estate, treasury management, and financing solutions.Key housing finance solution, Addis Ababa, Ethiopia. 52 likes · 1 talking about this. Designing and modifying different clothes and jewellery's KEY Housing Finance Solution . 21,622 likes · 4,097 talking about this. Housing Assistance Service Healthcare Overview. A leader in healthcare. banking. Nearly 10,000 healthcare clients across the U.S., from hospitals and physician practices to seniors housing and care facilities, rely on our Key Healthcare ® team of dedicated bankers for customizable investment banking, real estate, treasury management, and financing solutions. ለራስዎ ይወቁበት! . . #Key_CHF #Finance_Solution #Key. The way you handle things are smart. But please be aware of your procurement procedure/s! Sep 5, 2023 · KEY Housing Finance Solution ሰላም Admasu, ስለ Key-CHF Model ጥልቅ ማብራሪያ ለማግኘትና እንዴት በአነስተኛ ቅድመ ክፍያ እና ዝቅተኛ ወርሀዊ ቁጠባ የባለ አንድ፣ሁለት እና ባለ ሶስት መኝታ ቤት ባለቤት እንደሚሆኑ ለመረዳት በ … Social Housing projects are aimed at providing subsidised rental housing to accommodate the low-to-middle income rental market sector. The borrowing entity must be a registered legal entity or a Non-Profit Company (NPC) and accredited SHI or ODA. The SHI or ODA must be allocated a CCG. The project feasability must be financially viable per NHFC ...Model #2: Fully digital retail banks. Another emerging housing finance model takes the traditional banking business model and improves it with the latest digital technologies to offer a better banking experience for lower cost. For example, digibank is a completely digital bank launched by the DBS group which offers full suite banking …Key Housing Finance Solution Event. Housing Finance Solution. Ale Solutions Temp Housing. Housing Crisis Florida. Affordable Housing Crisis. Student Housing. Housing Disrepair. 698.5K. Likes. 7543. Comments. 1796. Shares. financiallyfitaaron. Between high interest rates and low inventory, the market is just as scary as ever. But homeownership ...Contribute to msarbak/CS50X-2022-Pset9-Finance-Solution development by creating an account on GitHub. Contribute to msarbak/CS50X-2022-Pset9-Finance-Solution development by creating an account on GitHub. Skip to content. Toggle navigation. Sign in ... A table can have only primary key (column), and multiple unique keys (columns). # C … Share your videos with friends, family, and the world KEY Housing Finance Solution . 28,543 likes · 3,304 talking about this. Housing Assistance Service Patrick has been involved with key worker housing for 5+ years, including planning, construction and property finance. He has brokered commercial capital for impact investors and consulted alongside McKinsey and Company. ... Anchor Computer Systems Ltd provide software solutions for the UK finance industry. Established in 1981 they serve over ... KEY Housing Finance Solution . 21,622 likes · 4,097 talking about this. Housing Assistance Service 23 236 subscribers. Key Housing Finance Solution is a company that develops the CHF Model, facilitating homeownership for 100,000 individuals within a 10-project timeframe in Addis Ababa and other major cities. View in Telegram. Preview channel. Abstract and Figures. A Housing Finance Strategy is a plan for deploying the resources available (and if needed increasing them) to finance the demand for housing by different segments of society ...The landlord of approximately 220,000 socially rented apartments, it is the largest home-owning city in Europe (in London, which has more than 800,000 socially rented apartments, they are owned by ...Housing Finance companies (HFCs) catering to the affordable housing segment can potentially earn spread of around 5%+ (cost of borrowing for the HFC ~7-8% versus lending rate to end customer of 12-13%) and keep growing their loan book by reinvesting the profits from such lending. That being said, the future profitability of any …Solutions That Create a Positive Future. Key Investment Services ® professionals work alongside our clients and members of Key Private Client to understand goals and create tailored plans, including: Wealth management. Retirement planning. Maximizing retirement income distributions. 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ለራስዎ ይወቁበት! . . #Key_CHF #Finance_Solution #Key. The way you handle things are smart. But please be aware of your procurement procedure/s! Key Housing Finance Solution is a company that develops the CHF Model, facilitating homeownership for 100,000 individuals within a 10-project timeframe in Addis Ababa and other major cities. Download Telegram About Press Copyright Contact us Creators Advertise Developers Terms Privacy Policy & Safety How YouTube works Test new features NFL Sunday Ticket Press …樂 እንዴት ቀላል ሆነ? . . #Key_CHF #Finance_Solution #Key KEY Housing Finance Solution · 4d ... KEY Housing Finance SolutionThe global housing finance market size was valued at $4,520.67 billion in 2021, and is projected to reach $33,298.79 billion by 2031, growing at a CAGR of 22.3% from 2022 to 2031. Housing finance is a type of lending service that offers money to purchase new properties such as land or home to end user. It helps individuals and businesses to ...ISBN-13: 9780134997551 ISBN: 0134997551 Authors: Jonathan B. Berk, Peter M. DeMarzo Rent | Buy. This is an alternate ISBN. View the primary ISBN for: Corporate Finance: The Core [RENTAL EDITION] 5th Edition Textbook Solutions. KEY Housing Finance Solution . 28,424 likes · 9,892 talking about this. Housing Assistance Service Even before the COVID-19 pandemic, millions of Americans lacked stable, affordable housing. Now, the crisis has highlighted the social and economic costs of this crucial gap in the safety net.Welcome to Gebeya media! Gebeya Media is an internet media company, provides you with various business ideas, job options and market research, as well as va...The rents that low- and moderate-income households can afford to pay are often too low to cover the full costs of owning and managing a rental property. This gap between the funding needed to develop and operate a property and the revenue available is called the affordable housing funding gap. To fill the gap, developers usually need help in ... Email or phone: Password: Forgot account? Sign Up The Housing Finance Company is an additional form of Non-Banking Financial Company ( NBFC) which is involved in the principal business of financing of …Nov 19, 2023 · KEY Housing Finance Solution was live. Nov 22, 2023 · According to 2015 estimates, Ethiopia will have approximately 4 million new urban households by 2027 and 9.7 million by 2037. There will be a demand for 471 000 urban houses per year from 2015 to 2025 and for 486 000 houses per year from 2025 to 2035. However, the housing finance system in Ethiopia is underdeveloped. Key Housing Finance Solution, Akaki Beseka, Addis Ababa. 579 likes · 5 talking about this. we understand, use and market the most valuable products starting from basic needs! 0947830373﫶 Key Housing Finance Solution is a company that develops the CHF Model, facilitating homeownership for 100,000 individuals within a 10-project timeframe in Addis Ababa and other major cities. If u want buy a house contact usKey Housing Finance Solution is a company that develops the CHF Model, facilitating homeownership for 100,000 individuals wit... KEY Housing Finance Solution . ስለ ኪ ሲ ኤች ኤፍ ሞዴል እና ስለ KAP ማብራርያ ሚሰጥበት ፐሮግራም ...KEY Housing Finance Solution . 28,543 likes · 3,304 talking about this. Housing Assistance ServiceKEY Housing Finance Solution . 29,086 likes · 1,054 talking about this. Housing Assistance ServiceKey Housing Finance Solution. @KeyHousingFinanceSolutio-mc3un ‧ 4.84K subscribers ‧ 7 videos. More about this channel. Subscribe. Home. Videos. Live. Uploads. Play all. Key …KEY Housing Finance Solution . 28,571 likes · 3,284 talking about this. Housing Assistance ServiceKEY Housing Finance Solution ጤና ይስጥልን Kassa Koges , ስለ Key-CHF Model ጥልቅ ማብራሪያ ለማግኘትና እንዴት በአነስተኛ ቅድመ ክፍያ እና ዝቅተኛ ወርሀዊ ቁጠባ የባለ አንድ፣ሁለት እና ባለ ሶስት መኝታ ቤት ባለቤት እንደሚሆኑ ለመረዳት በ …An extensive feature and functionality-rich finance solution, widely recognised in the sector. Achieve comprehensive finance management across expenses, requisitions, payment processing, PO approvals, self-service expenses and reporting. Coupled with MRI’s unrivalled support, and highly experienced consultants and project managers that can ...Key Housing Finance Solution (@keychf) on TikTok | 569 Likes. 384 Followers. KCHF, በ 77,280 ብር ቅድመ-ክፍያ ተመዝግበው በወር ከ 2,000 ብር ጀምሮ በመቆጠብ ብቻ የተዘጋጀ ቤት ባለቤት ይሆናሉ፡.Watch the latest video from Key Housing Finance Solution (@keychf).Development and Construction (MUDC) Ethiopia and the Ministry of Finance and Economic Cooperation. The findings and recommendations put forth in this report originated from a consultative process involving a wide arrange of key stakeholders. The process has been facilitated by the Ministry of UrbanFind step-by-step solutions and answers to Corporate Finance - 9780077861759, as well as thousands of textbooks so you can move forward with confidence. Scheduled maintenance: March 23, 2024 from 11:00 PM to 12:00 AMPrivate rental is a project/development finance programme which enables properties owned by landlords to be developed or refurbished for purposes of leasing to tenants. The NHFC provides medium to long term debt funding to such property practitioners (Developers or Landlords) to refurbish existing buildings or for greenfield housing developments.Model #2: Fully digital retail banks. Another emerging housing finance model takes the traditional banking business model and improves it with the latest digital technologies to offer a better banking experience for lower cost. For example, digibank is a completely digital bank launched by the DBS group which offers full suite banking …Even before the COVID-19 pandemic, millions of Americans lacked stable, affordable housing. Now, the crisis has highlighted the social and economic costs of this crucial gap in the safety net.Key Things to Consider. Implementing a financial management system (FMS) for your housing association is a vital step towards digital transformation. Along with improving your day-to-day operations and enhancing relationships with your tenants, digital transformation is key in achieving cost efficiencies. In fact, according to a recent report ...Human Settlements. The Department of Human Settlements (DHS) is mandated, in terms of Section 26 of the Constitution of the Republic of South Africa of 1996 and Section 3 of the Housing Act of 1997, to establish and facilitate a sustainable national housing development process in collaboration with provinces and municipalities.. In fulfilling its mandate, the … ዝግጁ? Key_CHF #Finance_Solution #Key. Most relevant is selected, so some comments may have been filtered out. Over 18,000 people have registered for this housing scheme, and the business has held its first lottery since it launched in August of last year. Six months from now, a second round draw is scheduled, according to Key Housing Finance Solution. The lotto was open to those who signed up by the end of December of the year prior and took …KEY Housing Finance Solution ሰላም Alemneh , ስለ Key-CHF Model ጥልቅ ማብራሪያ ለማግኘትና እንዴት በአነስተኛ ቅድመ ክፍያ እና ዝቅተኛ ወርሀዊ ቁጠባ የባለ አንድ፣ሁለት እና ባለ ሶስት መኝታ ቤት ባለቤት እንደሚሆኑ ለመረዳት በ …Five primary trends will drive the affordable housing finance landscape over the next 5 to 10 years, Francis predicted. The LIHTC program continues as a key source of funding, according to Capital ...KEY Housing Finance Solution . 19,990 likes · 5,733 talking about this. Housing Assistance ServiceNHFIC modelling in the State of the Nation’s Housing 2022-23 suggests: More than 1.8 million new households are expected to form across Australia from 2023 to 2033, taking total households to 12.6 million (up from 10.7 million in 2022). These households are expected to comprise around 1.7 million new occupied households and …About Press Copyright Contact us Creators Advertise Developers Terms Privacy Policy & Safety How YouTube works Test new features NFL Sunday Ticket Press Copyright ...At Key Housing, we are committed to: Providing good quality housing. Delivering a high standard of housing service. Engaging with our tenants on all aspects of their housing service. Offering a range of personalised housing solutions. Offering expertise in adapting your home to suit your needs. Working closely with organisations which support ...Nov 3, 2023 · Key housing finance solution, Addis Ababa, Ethiopia. 52 likes · 1 talking about this. Designing and modifying different clothes and jewellery's የኪ.ሲ.ኤች.ኤፍ (Key-CHF) አባል በመሆን የቤት መግዣ የፋይናንስ ችግርዎን በማቅለል በቅድሚያ ክፍያ 82,245 ብር እና በወርሃዊ ቁጠባ ከብር 2,345 ጀምሮ ለረጅም ጊዜ (እስከ 30 ዓመት) በመቆጠብ ለመኖርያ ዝግጁ የሆኑ ቤቶች ... Nov 8, 2023 · KEY Housing Finance Solution ጤና ይስጥልን Kassa Koges , ስለ Key-CHF Model ጥልቅ ማብራሪያ ለማግኘትና እንዴት በአነስተኛ ቅድመ ክፍያ እና ዝቅተኛ ወርሀዊ ቁጠባ የባለ አንድ፣ሁለት እና ባለ ሶስት መኝታ ቤት ባለቤት እንደሚሆኑ ... The Housing Finance Company is an additional form of Non-Banking Financial Company ( NBFC) which is involved in the principal business of financing of …Jan 6, 2024 · Key Housing Finance Solutions has conducted a lottery for 60 completed apartment projects – EthioExplorer.com. January 6, 2024. 0 Comments. ethioexploreradmin. A lot of individuals who had gathered at Hotel Delipol to be entered in Key Housing Finance Solutions’ lottery to win apartments fell silent at around five in the morning. The landlord of approximately 220,000 socially rented apartments, it is the largest home-owning city in Europe (in London, which has more than 800,000 socially rented apartments, they are owned by ...Five primary trends will drive the affordable housing finance landscape over the next 5 to 10 years, Francis predicted. The LIHTC program continues as a key source of funding, according to Capital ...With only a few taps, get all your financial needs fulfilled through the HFB mobile app. It brings you convenient, fast, and secure banking on the go. Housing Finance Bank Uganda is a full service retail bank that is primarily involved in mortgages. Also offering personal and business bank accounts, loans, treasury, diaspora, MasterCard, mobile ...Abstract and Figures. A Housing Finance Strategy is a plan for deploying the resources available (and if needed increasing them) to finance the demand for housing by different segments of society ...KEY Housing Finance Solution ... በጣም ጥሩ Yidresu , ስለ Key-CHF Model ጥልቅ ማብራሪያ ለማግኘትና ...Key Housing Finance Solution is a company that develops the CHF Model, facilitating homeownership for 100,000 individuals within a 10-project timeframe in Addis Ababa and other major cities.Key Solutions is a trading name of Key Solutions Mortgages Ltd, which is authorised and regulated by the Financial Conduct Authority. The Financial Services Register number is 311236. Registered in England and Wales number 3022389. Registered Office address Westwick House, Summer Lane, West Wick Somerset BS24 7TE.KEY Housing Finance Solution. 0:00. ሰላም Yidresu, ስለ Key-CHF Model ጥልቅ ማብራሪያ ለማግኘትና. እንዴት በአነስተኛ ቅድመ ክፍያ እና ዝቅተኛ ወርሀዊ ቁጠባ የባለ አንድ፣ሁለት …Helping homeowners unlock a better retirement. At Key Group, we are here to help people finance a better retirement. We are the later life lending experts, with a market leading specialism in equity release. We offer financial advice and solutions to help homeowners across the UK unlock a better retirement by accessing the wealth tied up in ...KEY Housing Finance Solution . 28,424 likes · 9,946 talking about this. Housing Assistance ServiceNov 2, 2023 · KEY Housing Finance Solution . 28,880 likes · 879 talking about this. Housing Assistance Service Share your videos with friends, family, and the world 23 236 subscribers. Key Housing Finance Solution is a company that develops the CHF Model, facilitating homeownership for 100,000 individuals within a 10-project timeframe in Addis Ababa and other major cities. View in Telegram. Preview channel. Even before the COVID-19 pandemic, millions of Americans lacked stable, affordable housing. Now, the crisis has highlighted the social and economic costs of this crucial gap in the safety net.Health and well-being start with having a safe and affordable home in a stable and opportunity-rich community. We promote these conditions by developing housing, and by providing housing resources and education in collaboration with our partners in the public and private sectors.KEY Housing Finance Solution . 29,092 likes · 939 talking about this. Housing Assistance ServiceKEY Housing Finance Solution . 29,086 likes · 1,054 talking about this. Housing Assistance ServiceKey Housing Finance Solution has conducted a lottery for 60 completed apartment projects. A lot of individuals who had gathered at Hotel Delipol to be entered in …樂 እንዴት ቀላል ሆነ? . . #Key_CHF #Finance_Solution #Key KEY Housing Finance Solution · 4d ... KEY Housing Finance SolutionNov 6, 2023 · Key Housing Finance Solution ! ለተጨማሪ ማብራሪያ በስራ ሰዓት ይደውሉ ። 0927 533 333 0927 222 266 0927 555 522 0927 555 544 0927 444 411 ... . 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