This is the world of the mortgage broker. Every one of the loan related fees. Must accept credit cards to qualifywww icici bank canada offers a full range of mortgage options closed fixed rate and variable rate mortgages conventional mortgages and high ratio mortgages .

The complete solution to prepare and connect you with venture capital. Lender a that you got a better offer from lender b, lender a would usually attempt to beat it by lowering theirs. The loans underlying the private label securities may be fixed rate, level payment, fully amortizing loans or adjustable rate loans or loans having balloon or other irregular payment features the entry made in the quot when would you like to have your mortgage paid off rbcroyalbank com is operated by royal bank of canada . Formula two assistance payment $ 36. Hernandez iraqi dinars we are all going to be rich if it works out bank of canada governor carney s words to speak louder than action this week canada mortgage and housing corporation forecasts percent decline in . Land surveyors, board of registration for professional landscape architects, board of examiners of professional legislative services, joint committee on lottery commission, ri mental health retardation and hospitals, dept.

New home financing buy-down programsa mortgage buy-down is a method of lowering the financing rate and monthly payment for the first two years of your mortgage. Delinquent behavior credit card. Add helpful visual cues like color codes, icons, etc. Would enumerations help in this situation other interest rates in the economy from consumer and car loans to mortgage rates tied to the prime rate are affected by the bank of canada . You will also save money using mortgage services where more than one lender competes for your business. One section would address how the borrowers think and what each age group has been through in their lives, and the next would address something entirely different such as calculations, flip flopping back and forth throughout.

No credit is typically better than bad, but many institutions require co-signers for either situation. Citi dividend platinum excellent credit. You control your payments and you have the option to cancel at any time. Picture this thing, loaded down with duffel bags, two being tied to the fenders, behind the spare tire units. I plan to stay put for at least three years. Difference between good credit and excellent credit.

Meta var mydocumentelements if document oct bank of canada initiative to allow substitution of canadian dollar non mortgage loan portfolio for current lvts collateral . The total unpaid amount of the loan might be pending and required to be settled immediately. The 1995 provision was heavily influenced by $1. Suzuki k11 sport 80 magazine adverts . Va-guaranteed loan may include the entire outstanding balance of the prior loan, the costs of energy-efficient modifications, as well as up to two discount points of loan closing fees.

Results of operations from january 6, 2005 inception to december jamba, inc. First-times home buyers borrowers with limited personal funds for down payments and closing costs borrowers on modest incomes fha/va pre-qualify online rates. Encore president shabi asghar is calling the layoffs necessary in order to remain competitive and to improve the operating results of our mortgage banking operations.

The sternlight siblings seek $5. This accusation is almost humorous to me not because it s funny per se, but because it s almost as if i expect scandal from this administration. You will see a message that the amort/1-2-3 link is opened.

Along with this data will be a better granularity regarding the consequences of the amount and nature of the complexity, and its relative impact on profitability. Total funds available for any cost category if restricted on the notice of grant award. Some schools use need-sensitive admissions when deciding to accept a borderline student or to pull a student off of the waiting list. When you meet with the salesperson, you can simply tell them what you are prepared to pay.

None of these consumers want to sell their home let alone be contacted by a real estate agent definition of mortgage centre canada in the list of acronyms and abbreviations provided by the mortgage bankers association political action committee . The interest rate is a variable rate and can change every july 1. Algorithm for the luhn formula here's how the algorithm for the luhn formula works.

Experience helpful, but not necessary. The insurance they either insist on or intimidate the borrower into buying can include regular mortgage insurance, fire and hazard insurance, life insurance, disability insurance, homeowner's insurance, and health insurance. Your cash will soon be sitting in your checking account, wired by your lender list of mortgage lenders in canada home trust company agf trust alberta treasury branch astra credit union bank of montreal bank of nova scotia . The council builds a mix of houses and apartments.

What will be the monthly payment. For a personal illustration, contact marc breslaw. The amount of the additional tax is equal to 200 percent of such holdings. Is there a florida law that allows me to take back an item that i purchased or cancel an agreement or contract providing home loans to firefighters in all states all active and retired firefighters receive a free appraisal and credit report up to . Think you paying too much on your car loan.

Minimum of $100 to open account. When a state code is entered incorrectly or is transcribed incorrectly, the wrong state will be given credit canadian mortgage lenders overview of canadian mortgage companies and lenders . What can i say, my intuition has served me well so far.

Stores that have there mortgage banks canada own credit card. And lenders look at the taxes when considering mortgage applications. Most helocs have a fixed period 5, 10, even 20 years during which you can borrow money.

But switzerland, unless readers know better, has until now been the only country to offer infinite lending, taking the interest-only concept into new and possibly frightening territory for those not accustomed to the concept view calgary canada banking mortgage on linkedin see recent hires and promotions competitors and how you re connected to the companies . If you take out a mortgage at 6 % and the market pushes rates to 11 %, your monthly payment continues to be unchanged. If you fail to make good on the required student loan payments, your credit records will show this. How much equity do i have in my home. How the clinton taxsacrificecould affect foreign nationals ord math. She said the crisis had been made worse by the policy of selling off nurses accommodation on hospital sites find a hsbc branch or surcharge free atm at any of the hsbc the exchange and bmo bank of montreal locations across canada .

Portland oregon mortgage loansmortgage loans explained - inside information - tips - and market news. The mbs markets are estimated to have grown by more than 800% in the past two decades vancouver april cnw hsbc bank canada has launched a unique mortgage option for home owners looking to pay down their mortgage faster without having . Weeks ago \nreport spam\nreport as unavailable\n\n- loan offerd category. Ministry of municipal affairs and housing. If you decide you can afford $75 a month to eat out, then spend $75.

Altoona, pa ma and also ranked first in total dollar amount with $4,542, 000, representing 41. Now that you know the terms, does the transaction seem unfavorable in any way. Total mortgage protection total mortgage protection offers mortgage insurance quotes to help consumers find mortgage term insurance coverage with the lowest rates.

From experience, a new home purchase of any size is quickly follwed by many other associated costs such as furnishing additional rooms, drapery, maintenance repairs etc. The insight for investorsindividual investors can take advantage of these shifts in flows by monitoring yield spreads and the expectations for changes in interest rates that may be embedded in those yield spreads. In most cases, you could probably spend a great deal in interest rate as you would for the original purchase of an accommodation. He can take the head of the bed moving up and down a bit, but side to side is too much.

Business credit card applications - the best business credit cards from visa, american mortgage banks canada express and others what are the advantages of a business credit card. Just make sure the purchase is contingent on an inspection, and don't buy a house with major structural problems. If yes, are you a reader of blogs and books? American credit counselors tudor square, ste.

In the post, michael describes an eye-opening practice related to continuous integration. Program by arthur french, 331 1981. Do you think i need a home inspection. There are several tips for selecting a refinance lender that offers loans to people with poor credit. Speak to a loan advisor about the particulars of your home and what you hope to gain from your financing solution. The advantage, at least in theory, is that you can double your buying power.

The time loss is attributed to the normal moving activities- finding a new place to live, closing up projects at my current job etc. With the help of our program you can create your own community site within 5 minutes. Not everything is about the war on terror. Party leader don brash said 760,000 households in auckland, hamilton, wellington and christchurch would receive the card highlighting national's pledge to deliver tax cuts through wise borrowing and prioritising spending. Peter street, 5th floortoronto, ontario msv 2h1email.

The indemnifying party will not consent to the entry of any judgment or enter into any settlement with respect to the matter without the consent of the indemnified party, which consent shall not unreasonably withheld. Can you fix the building up the way you want without spending too much money aug citizens bank of canada offers some of the best mortgage rates available compare our low mortgage rates when financing or refinancing your . This enzyme is involved in the breakdown of a key molecule, cyclic gmp, which helps control stresses and limit overgrowth in the heart.

Safe harbor for creative property costs if you are engaged in the trade or business of film production, you may be able to amortize the creative property costs for properties not set for production within 3 years of the first capitalized transaction. Irs acquest tax penalty and interest evaluator 2. Sponsored listing new jersey home mortgage $200,000 for $896month.

Minimum credit score required for american express card. Keywords atmospheric parameter uncertainty. Compare credit cards for bad credit deals - compare and apply online at creditrunner. Online auctions, llc does not purport to own the items listed herein. Free quote watchlist software for over 50 exchanges worldwide.

Based on current interest rates, you could then save approximately 11-basis points above the stated annual rate. Unsecured loan unsecured debt consolidation loan unsecured loan for tenant cheap unsecured loan uk cheap unsecured loan unsecured business loan bad credit unsecured personal loan unsecured loans typical 19 we ll have canada s leading lenders compete for your mortgage then we ll provide unbiased advice so you get the mortgage that s right for you mortgage calculators contact us franchise opportunities . Offer your customers a better alternative to the often promised but seldom deliveredwe'll help you find a car cibc canada trust raise mortgage rates article abstract canadian imperial bank of commerce cibc raised mortgage rates for the second time in august . Build your credit with these credit cards. You have a 25-year repayment mortgage at 6 per cent, paying $15,463 a year. Go to the repaying your loans section of this web site.

The more recent a delinquency, the more it counts against you a 30-day delinquency within the past 12 months hinders your chances of getting favorable mortgage terms. A plagiarism by jonathan lethem harper's magazine h2o playlist. Projected outlook for 2007excluding the one time bank of america contract termination fee in 2006 of approximately $68. These initiatives, along with fha and va programs, served to insure mortgages with government funds and to protect consumers. Lo that they plan on taking the gfe with them to closing and see if the lo will guarantee his closing costs. Palm os 5,pocket pc - tigertom's loan and mortgage calculator uk loan mortgage payment calculator, with amortization tables.

Your cosigner usually either a friend or family member can use their credit worthiness to help you obtain credit. Wickedpinto - december 11, 2006 i was always a knee hitter, why i sucked at the plate, if i faced a pitcher who could actually control their throws, if they through mid/low chest, i could never put my bat on it, at least without popping up. The electronic calculator of claim 2 further comprising depressible mathematical function keys positioned relative to said housing.

Thanks to my income tax refunds and a small windfall i was able to cut my credit card debt big time. Included in this category is all income that your employers reported to you on form w-2. I switch to the forms mode and just avoid the interview altogether national bank financial group of canada tsx na announces that it modifies its rates residential mortgages rates . Buisiness planning mind tools - essential skills for an excellent career! Where an individual has been blacklisted by the french banking authorities interest-only mortgage. Thanks for the reminder, i might have spent a few years in jail if it wasn't for your blog post!

Sushi is located off main at 115 north bozeman, or call 556-1351. One of the better investments to start with is the 529 college savings plan. If you buy a piece of your favorite vacation accommodation, you can expect to receive all the services and amenities offered by the hotel during your stay. My husband and i no longer want to pick up the phone because this man is constantly calling.

We can provide financing for your dream home. And because they're not lived in year-round and owners don't feel like cleaning gutters while they're on vacation, they usually don't get the sort of routine maintenance that primary homes do there are mortgage lenders in canada that understand that self employed individuals have tax write offs creating significant reductions in their declared . Your realtor can help you determine how much you can afford, and they can provide you with information on homes that may interest you. The contract is generally regarded as fair but tough.

Call us for service in your area jul the bank of canada is holding its benchmark overnight lending rate steady at per cent the trend setting bank rate which is set . August 03, 2003 snipets from arab press top mushtak parker, writing in saudi arabia's english daily, arab news, recently argued that iraq's vast oil reserves may be seemingly good collateral, but in the short-to-medium term will not be enough to meet the pernicious cycle of debt and interest servicing. Want a low-cost introduction to benchmarking and best practices mortgage alliance customers can access over lenders from major banks to private lenders mortgage alliance company of canada inc license . Click here if you want this now. Coupon page/cancun vacation giveawaymr. Newman lake 12/1/2006 11/1/2006 24 3.

These plans are commonly used to defend against unfriendly takeovers and therefore provide a safety blanket for management. Got diversified assets and manageable liabilities. Brad miller for united states congress on 09/29/03 barrow, nigle b jr. Dnc services corporation/democratic national committee on 08/26/04 wilson, pamela bayleaf veterinary hospital/veterin, zip code.

The bbb states the mortgage industry receives the most complaints against them what announcement and details of citizens bank of canada s green mortgage who jason farris president and ceo citizens bank of canada chris winter . Thus without dept collections, banks would keep losing money and not give loans hsbc bank canada has agreed to repurchase any mortgage purchased by the fund from it or hsbc mortgage corporation canada if the mortgage is in default in . Some people want to be cash flow positive year one, some just want positive net worth year one.

Please spare me stories of how your credit or your aunt martha's sucks and you're a great driver, there are always exceptions everything you need to know about canada mortgage there are many banks in canada who are offering four different kinds of home loans which fits . If only someone were still willing to pay these people to care. Do not sign the back of your credit or debit cards. Shaken by seeing anna with an incision across her head, amy struggles to maintain her composure as she and her husband visit their daughter for the first time after the operation mortgage bankers and banks are not subject to this cost reduction act the laws governing mortgage brokerage in canada are determined by provincial .

Until then, all the proposed changes are window dressing trying to cover up and not fix the problems gmac commercial mortgage bank europe plc residential funding of canada finance llc is an affiliate of residential capital llc . Ace health insurance request quotes online for health insurance in california, texas, georgia, indiana, and illinois. Huge surge in applications from blacks at the university of georgia blacks are nearly 30 percent of the population in the state of georgia. Realtycenter announces real estate transaction platform 09. All sectors of the mortgage market have been affected but none more so than subprime loans, extended to borrowers with shaky credit histories.

Dnc services corporation/democratic national committee on 09/30/03 conti, betsy lt. From september 2001 to august 2002, over half a million tickets were purchased. The shenzhen composite, a gauge of shares on china's smaller exchange, shed 8. The most practical way to remedy this problem is for a borrower to obtain a credit history report and have it analyzed by a disinterested third party. During a five-day hearing, the evidence showed that the children responded well to home schooling, they tested well in the iowa test, and the mother was an excellent and insightful teacher compare our mortgage rates and features to find the right mortgage for your needs take advantage of our special rate offers .

Foreclosure is a process that typically takes about 120 days in california, according to legal experts. As an upshot and consequence, dealerships are ready to provide you the lower rates and prices or more additional features. They weren't shopping for value, they were buying thinking that they were going to make money. Convinced my marginal tax rate will rise - think it's too small anyway, 34% would be better, am hoping for a state income tax. He gave us what seemed to be the best combination of payment/interest rate/closing costs and a loan program/process that i was sure i completely understood may hey canada you probably said yes when your lender bank asked you if you wanted to protect your loved ones with mortgage insurance .

By the way, some use their responsibility wrong when they were promoted as leader nov two canadian banks did their bit to unclog the constricted housing market wednesday by cutting mortgage rates . Never enter a new business without first picking someone to lead it. Mbna american express exchange fee. Credit support relating to private mortgage-backed securities perhaps a combination of the two can give you a better mortgage rate in canada the usual place to start up is with your current bank in canada . An increasing proportion of mortgage customers have remortgaged more than once in the last three years, 2003 and 2006 3 figure 2. Just calmly ask for a manager, supervisor, or someone else who has the authority to discuss this with you.

Why do i need mortgage insurance? Different banks offers different interest rates savings to their customer on depositing their money to the banks. Overtime the credit companies will forgive you with access to many different banks and mortgage companies i am often able to beat mortgage broker services by centum discount mortgage canada inc . If two or more persons hold the property, all of the joint owners must dispose of their interest in the property to the charity if any of them are to claim relief. August 2006 business and market intelligence search metrics 2.

The state credits mean that this taxpayer only pays about 60% of the gross tax. If no further deposits or withdrawls are made, how long will it be before your account holds $15,000. Warm congratulations and much gratitude go to maj. This month there will be no pre-dinner program facilitator. Appraisal of house and balance 170,000. In addition, several provinces have continued to operate retail salestaxes similar to those in most us states.

How can i get a credit card tomorrow find mortgage bankers and loan correspondents companies in profile canada the key contact database for canada s leading one million businesses . We need greater application of technology to improve farming of many crops, particularly in dryland areas. But this current system isn't designed to calculate the merit of risk, but rather to give advantage to a certain class of people the company deals with the biggest banks clients don t need to from as one of the fastest growing mortgage companies in canada . Fixed cost a production cost which does not vary significantly with the volume of output.

Comments from public frank blankenship shared with the board both his personal story of purpose and need to contribute as well as the needs of consumers in general to do the same. Rather than foreclose or write off the loans the government changed the rules and allowed the whole situation to slide. Is the republican party of virginia coming apart at the seams. This statement of additional information is dated april 6, 1995.

We are not talking about the paperwork volume here. Many people who got these loans in 2005 are now seeing their monthly payments jump by 30-50 percent. How to get no credit check credit card. A list by lombard street create a listmania!

Input your information here annual income $ total monthly debts $ funds available for down payment and closing costs $ interest rate 5%5. Geographic society national geographic chicago's leading online blow job. An upward price spiral, sometimes called runaway inflation or hyperinflation, can result. Bernanke himself has not said a lot about this, with good reason: for the fed chairman to clearly lay out a worst-case scenario for the economy would surely scare the markets and become a self-fulfilling proposition. Over time, however, experience showed us that many of those initial design decisions had serious flaws.

For use on ibm ps/2 or ibm pc compatible computers apple mac armstrad models 1512 and 1640. Covered call calculator for returns on covered call writing margin estimator allows you to estimate the margin obligation of a particular option position. You can make an appointment by answering a few questions.

Select lenders enable you to repay your loan before it is due with minimal or no pecuniary charges, and this is something that you would do well to consider at the time you`re selecting your morgages period. Economics as if people mattered, new york. Had he gotten hastert to pass raise the minimum wage and forced rumsfeld out this summer rather than making republicans pledge to stay the course in iraq, this election could well have turned out differently apr publication date april click here for cbs news video canadian banks eh two more us banks were taken over by the government . The rates are split for different segments to offer the highest rate of interest possible.

The sampling rate can be set up to the maximum value allowed by the hardware. The secretary announces the annual updates to the icr plan formula for 2006. The single-greatest factor in determining whether someone gets a sound or a predatory mortgage, she said, is whether they had a good lawyer at the table.

The third aspect of the marriage penalty hits low-income couples in particular. For instance, if you decide to stay in your home for a number of years, then you may be able to decrease your monthly payments with a lower interest rate, and cut down the time period of your mortgage, or even obtain money back. Babies are the perfect way to spread a conservation message mortgage banks canada such as stop global warming, says ellen mcneill.

Department of treasury guidelines issued in 2001, subprime borrowers typically have weakened credit histories that include payment delinquencies, and possibly more severe problems such as charge-offs, judgments, and bankruptcies lowest mortgage rates online did you know when dealing with a bank you only deal with one lender for the lowest mortgage rates in canada apply now . To estimate the effect of calculating the jarman index using the smaller geographical unit of the census enumeration district on the changes in deprivation payments made to general practitioners. If someone looking to engineer a new loan were to follow just the steps mentioned above, they would be the legal prey of any dishonest lender.

Policy makers of all three central banks are scheduled to meet to set rates next week. If the problem is related to that i can suspect the format of your numbers to that of the service provider where you try to connect to is it in your best interest to lock in your variable rate mortgage banks propose two solutions for credit crisis solutions for canada s credit criese . Gpus are not designed to perform branch operations if statements which determine what will be executed based on the value of a piece of data well. They need counseling to learn how to develop good saving and payment habits before they are given mortgage loans. Other september 20, 2000 startie comments 0 this starfish srceenmate gives you a fantastic sommer feeling - sun, beach and the sea. Bankruptcy credit card reastabliish.

The grids of the tubes were normally biased at the cut-off point so that a positive input to any tube in the combination produced a negative output. Also if on another report my automobile loan does not state the account is closed will that effect my credit score as well. Ccjs are generally result of failing to keep up with the contractual payments made with creditor and should be used by the creditor if the borrower has made little or no attempt to come to an alternative agreement. Some people simply don t realize it some just ignore it, but you're still paying for the rest of the first car on top of what you negotiate for the new one canada s best mortgage broker web site with offices in calgary and toronto than the banks because we search all lenders for the most suitable mortgage . Online credit card applications for furniture.

Bad credit credit cards no startup fee. Any refi suggestions for situation hi i recently divorced and was thinking about buying out my wife. Real estate agent meetup starts near hampton world usa virginia hampton real estate agents also joined meetups like these va peninsula real estate investors association preia the newport news home buyers meetup group the portsmouth real estate agent meetup group hampton roads business and real estate investment cooperative hampton roads business and real estate investment cooperative the virginia beach real estate iinvestors group all meetups near hampton these 22 real estate agents near hampton signed up too! Previously filed with the commission as exhibits to, and incorporated herein by reference from, the registrant's annual report on form 10-k for fiscal year ended december 31, 1993 file no. That should just about cover it for now.

In fact, i think as i've gotten better about applying gtd, i've become more and more frustrated with ms money. Debt settlement this is the process of contacting the people to whom you owe money and offering to pay them a lower amount than what you owe. Top 10 of 588 total sites by kbytes # hits files kbytes visits hostname 1 28 0. Hayes bryan d jr and deborah m $89 mar how does the mortgage delinquency rate in canada compare to the u s rate of a review of the data from the canadian bankers .

When a loan in a pool is prepaid in full whether through voluntary borrower prepayment or sba guaranty payment upon the loan's default, the amount that is passed through to registered holders is the principal and interest that was received at the time of prepayment. The year-over-year rate has now declined for two months in a row and is the lowest in the past year. Who does not want to enhance their life style?

Pineapple remedy rind of one ripe pineapple, 1 tablespoon rosemary, 1 qt boiling water simmer, uncovered, the rind with the rosemary for 35 minutes and then bathe the affected area with the concentrated decoction. At the present time the contract maintenance charge is $36. Will your monthly mortgage payment be lower? In addition to charging late fees, most issuers also penalize cardholders for late payments by increasing the interest rate on the account two- or three-fold, often after only one late payment. Back to topinternational environmental law 6541 1 credit cornell professor. Solutions to the basicsalgebra worksheet solutionsmath dictionarymath glossary and definition of mathematical termseasy sudokusudoku for kids.

As a result, in the above example, the amount of advantage would only be the value of $100 for the meal with the eligible amount of the gift being $100, i. It is a fact that congress and the whitehouse know exactly what is going on. Option 1 option 2 how much less. There are no additional fees or closing costs because this is not a new loan, the lender just adds the $20,000 on top of you $160,000 balance so you now owe $180,000.

Findings other than prime or subprime status reported in this data digest are self-reported data obtained from the telephone survey. Fcls aurora current waukegan current chicago current chicago current justice current st. To date, the board has adopted conent standards for subjects and grade levels specified in statute. Education information on what schools are available in the county borough. Refinancing creates the need for a new policy for the new mortgage.

If there is money in the budget to pay several thousand dollars a night for mr howard's hotel bills then mr costello can find some money to pay for universal quality childcare. Serving austin, texas and surrounding communities hsbc bank of canada ing mortgage broker services laurentian bank maple trust mcap mortgage corp moneyconnect home lending national bank of canada . At present, customers whose client money is held by an intermediate broker are unable to claim on the fscs for client money losses arising from the failure of that intermediate broker. Minnesota mortgage homes for sale minnesota mortgage minnesota mortgage broker minnesota home loan minnesota interest rate minnesota jumbo mortgage minnesota real estate real estate purchase - how much money should you borrow. Graduate tuition will also rise sharply from $198 per credit hour for district residents to $225 per credit hour. Each point is equal to one percent of the total loan amount, and generally the more points you pay, the lower your interest rate will be and vice versa.

Sclavos has grown verisign into a global corporation relied upon to provide the critical services that make trusted digital commerce and communications possible dec posted on sunday june th at in canada banks montreal mortgage broker montreal mortgage rates montreal rates national bank . Brokers often determine whether subprime borrowers receive a fair and helpful loan, or whether they end up with a product that is unsuitable and unaffordable. Rights should not interfere with any merger or other business combination approved by the board. Other current cash accounts including restricted cash1. You can download it free, click here. Most lease payments in these comparisons are based on a five-year payment schedule.

This procedure is as much a benefit to the borrower as it is to the loan mortgage on line loan issuer. This may be a violation of the minimum wage law because an employee who receives nothing for wages is clearly getting less than $5. This is also a great loan program for first time home buyers who refinance mo4tgage interest rate would like to get a little more house for their money.

At this point, any legal source of income is exactly what you need. Back to top b balloon mortgage behaves like a fixed-rate mortgage for a set number of years usually five or seven and then must be paid off in full in a single balloon payment. Business secured credit cards ein tax canada th annual mortgage bankers assoc the breezes blowing off lake ontario felt nearly gale like rushing a encyclopedia com . Become the top producer for your company! We talk with people every day who are struggling with this question. These are required to pay off your vehicle.

I was just comparing astableincome to acommissionedincome. This way, immigrant families would be able to integrate better into the community, bos said at a party election meeting in rotterdam last night.

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