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HomeMy WebLinkAbout20172365.tiffCLERK TO THE BOARD PHONE (970) 336-7215, EXT 4226 FAX (970) 352-0242 WEBSITE: www.co.weld.co.us 1150 O STREET P.O. BOX 758 GREELEY CO 80632 August 17, 2017 HPA BORROWER 2016-1 LLC 180 N STETSON AVE CHICAGO, IL 60601-6710 Account No.: R1458386 Dear Petitioner(s): Based upon information furnished to the Weld County Board of Equalization, we understand that you have withdrawn the petition challenging the valuation of the above Account number. Please be informed that a withdrawn petition precludes any further challenge to the valuation of the above Account number for this assessment period. Therefore, the Board of Equalization took no action on your petition and the assessed value remains as set by the Assessor. Very truly yours, BOARD OF EQUALIZATION Esther E. Gesick Clerk to the Board Weld County Board of County Commissioners cc: Christopher Woodruff, Assessor RYAN, LLC 500 E BROWARD BLVD STE 1130 FORT LAUDERDALE, FL 33394-3000 2017-2365 AS0097 From: Debra Jakino To: Chloe Rempel; Esther Gesick Subject: FW: Weld County Assessor"s Office Date: Friday, July 21, 2017 1:14:49 PM Hi Chloe and Esther - Just making sure you received this withdrawal. Thanks Deb Debbie Jakino Weld County Assessor's Office Senior Residential/Agricultural Appraiser 1400 N. 17th Avenue, Greeley, CO 80631 Phone Number :970-400-3674 Cell Number : 970-415-1684 Email: djakino@weldgov.aom Confidentiality Notice: This electronic transmission and any attached documents or other writings are intended only for the person or entity to which it is addressed and may contain information that is privileged, confidential or otherwise protected from disclosure. If you have received this communication in error, please immediately notify sender by return e-mail and destroy the communication. Any disclosure, copying, distribution or the taking of any action concerning the contents of this communication or any attachments by anyone other than the named recipient is strictly prohibited. From: Cilien, Rodney [mailto:Rodney.Cilien@ryan.com] Sent: Friday, July 21, 2017 1:03 PM To: Debra Jakino <djakino@weldgov.com> Cc: Peyton, Bob <Bob.Peyton@ryan.com>; Blandino, Barbra <Barbra.Blandino@ryan.com> Subject: RE: Weld County Assessor's Office Hi Debra, I have contacted the clerk and account R1458386 have been withdrawn, you may forward this email to the clerk. Thank you for your time. Have a great weekend. Rodney Cilien Consultant, Property Tax Commercial Property Tax - Parent Ryan 954.740.6240 Ext. 27-2023 407.486.3809 Mobile From: Debra Jakino [mailto:djakinoCaweldgov.com] Sent: Friday, July 21, 2017 10:28 AM To: Cilien, Rodney Cc: Peyton, Bob Subject: RE: Weld County Assessor's Office Hi Bob and Rodney- I am just double checking with you both on account R1458386. This is the account listed below in the email that I sent the Notice of Determination to you on. I had lowered this account in May to $268,000 and Bob we talked that you would withdraw this account? Is that still what you are thinking to do? I just need to know and have you contact the Clerk to the board, unfortunately now they would like all with drawls in writing. If you respond to my email, I can forward it onto the clerk for you. Please let me know today. Thank you both for working with our office, we really appreciate all your time. Have a great Friday! Debbie Debbie Jakino Weld County Assessor's Office Senior Residential/Agricultural Appraiser 1400 N. 17th Avenue, Greeley, CO 80631 Phone Number :970-400-3674 Cell Number : 970-415-1684 Email: djakino@weldgov,com Confidentiality Notice: This electronic transmission and any attached documents or other writings are intended only for the person or entity to which it is addressed and may contain information that is privileged, confidential or otherwise protected from disclosure. If you have received this communication in error, please immediately notify sender by return e-mail and destroy the communication. Any disclosure, copying, distribution or the taking of any action concerning the contents of this communication or any attachments by anyone other than the named recipient is strictly prohibited. From: Cilien, Rodney [mailto:Rodney.Cilien@ryan.com] Sent: Thursday, July 20, 2017 11:49 AM To: Debra Jakino <djakinoPwe dgov.com> Cc: Blandino, Barbra <Barbra.Blandinoryan.cori>; Napoleon, Jessivah <Jessivah.Napoleon@ryan.com>; Turner, Tierra <Tierra.Turner@ryan.com>; Peyton, Bob <Bob. Peyton @ rya n.com> Subject: RE: Weld County Assessor's Office Hi Debra, Find the signed stipulation attached per your request. Please let me know if you need anything further. Thank you. Rodney Cilien Consultant, Property Tax Commercial Property Tax - Parent Ryan 954.740.6240 Ext. 27-2023 407.486.3809 Mobile From: Peyton, Bob Sent: Wednesday, July 19, 2017 2:07 PM To: djakin&C weldgov.com; Cilien, Rodney Cc: Blandino, Barbra; Napoleon, Jessivah; Turner, Tierra Subject: FW: Weld County Assessor's Office Debra, No problem. It was nice talking to you earlier. I will have my assistant, Rodney, promptly handle these. Thanks for your time and consideration. Rodney, Please promptly accept/process all of reductions (2) and no -changes (4) indicated in forwarded email and attachments. Thanks, Bob Peyton Manager Property Tax Commercial Ryan 500 East Broward Blvd Suite 2300 Ft. Lauderdale, Florida 33394 954.476.4265 Direct Ext. 76-4265 561.901.4609 Mobile ryan.com From: Debra Jakino [mailto:djakino©weldgov.com] Sent: Wednesday, July 19, 2017 1:36 PM To: Peyton, Bob Subject: FW: Weld County Assessor's Office Hi Bob - I am forwarding this email to your email, along with the email sent to us. Thanks Deb Debbie Jakino Weld County Assessor's Office Senior Residential/Agricultural Appraiser 1400 N. 17th Avenue, Greeley, CO 80631 Phone Number :970-400-3674 Cell Number : 970-415-1684 Email: djakino@weldgov.com Confidentiality Notice: This electronic transmission and any attached documents or other writings are intended only for the person or entity to which it is addressed and may contain information that is privileged, confidential or otherwise protected from disclosure. If you have received this communication in error, please immediately notify sender by return e-mail and destroy the communication. Any disclosure, copying, distribution or the taking of any action concerning the contents of this communication or any attachments by anyone other than the named recipient is strictly prohibited. From: Debra Jakino Sent: Wednesday, July 19, 2017 11:34 AM To: 'residentialappeals@ryan.com' <residentialappeals@ryan.com> Subject: Weld County Assessor's Office Hi Bob - Thank you so very much for going over all these accounts with me today. I really appreciate your time. Below are the accounts we talked about and you agreed to with drawl or the couple we agreed to a stipulation. The Clerk to the Board number is 970-356-4000 Ext. 4225 . Parcel numbers you gave me are first, but the Clerk to the Board need our account numbers and they are listed next with an R before them: 1467 -32 -4 -43 -018...R2607203 -stipulation to $277,000 please sign attached stipulation and send back to me. 1467-32-1-40-004... R2964204 --withdraw 1471 -36 -0 -31 -006....R0502101 --withdraw 0807 -17 -3 -20 -004....R7153198 --withdraw 0705-29-0-04-019.... R0737786 --withdraw 0807 -20 -1 -18 -044...81458386 —We agreed to with drawl since I placed this at $268,000 in May. Attached is the Notice of Determination that was sent out. Please send the stipulation back as soon as possible. Thanks again Bob! Debbie Debbie Jakino Weld County Assessor's Office Senior Residential/Agricultural Appraiser 1400 N. 17th Avenue, Greeley, CO 80631 Phone Number :970-400-3674 Cell Number : 970-415-1684 Email: djakino@weldgov.com Confidentiality Notice: This electronic transmission and any attached documents or other writings are intended only for the person or entity to which it is addressed and may contain information that is privileged, confidential or otherwise protected from disclosure. If you have received this communication in error, please immediately notify sender by return e-mail and destroy the communication. Any disclosure, copying, distribution or the taking of any action concerning the contents of this communication or any attachments by anyone other than the named recipient is strictly prohibited. From: To: Subject: Date: Attachments: weld-cboe@weldgov.com C113 -County Board of Equalization Board of Equalization Appeal Submitted Friday, July 14, 2017 12:53:22 PM 1109 Walnut St.pdf 1700 Alpine Dr.pdf 1920 86th Ave.pdf 2115 81st Ave.pdf 2497 Vale Way.pdf 300 Fieldstone Dr.pdf 335 Laurel Ave.pdf 37201 Northwest Dr.pdf 423 S Maple Ave.pdf 838 Willow Dr.pdf Colorado LOAs.pdf Appeal Submitted: 12:52 PM on Friday July 14, 2017 Contact Information Supplied: • Contact Name: Ryan LLC Agent • Contact Email: ResidentialAppealsCryan.com • Contact Phone: (954) 740 - 6240Ext. 272030 • Email Preference: Contact through email Property: R1458386 - 1 109 WALNUT ST , WINDSOR Legal: WIN WW4-55 L55 BLK4 WINDSOR WEST Estimated Value: $258,800 Reason: Based on the property's purchase price and supported by market data, the petitioner does not agree with the property value. R2964204 - 1700 ALPINE DR , ERIE Legal: ERI IHVR L4 BLKI VISTA RIDGE FG#1H 1ST AMD Estimated Value: $469,900 Reason: Based on market data, the petitioner does not agree with the property value. R2607203 - 1920 86TH AVE , GREELEY Legal: GR 1MS LI BLK7 MOUNTAIN SHADOWS 1ST FG Estimated Value: $258,850 Reason: Based on the property's purchase price, the petitioner does not agree with the property value. R3960605 - 2115 81ST AVE , GREELEY Legal: GR ORM L21 BLK 4 OWL RIDGE MINOR Estimated Value: $373,500 Reason: Based on the property's purchase price, the petitioner does not agree with the property value. R32 1 2504 - 2497 VALE WAY , ERIE Legal: ERI 3VR L18 VISTA RIDGE FG #3 Estimated Value: $527,500 Reason: Based on the property's purchase price, the petitioner does not agree with the property value. R7153198 98 - 300 FIELDSTONE DR , WINDSOR Legal: WIN BFS L4 BLK9 BRUNNER FARM SUB Estimated Value: $310,700 Reason: Based on market data, the petitioner does not agree with the property value. R8325200 - 335 LAUREL AVE , EATON Legal: ETN EC L28 BLK6 EATON COMMONS SUB Estimated Value: $231,800 Reason: Based on market data, the petitioner does not agree with the property value. R0737786 - 37201 NORTHWEST DR , WELD Legal: 3NW-6A L6A NORTHWEST ESTATES 3RD FG Estimated Value: $331,300 Reason: Based on market data, the petitioner does not agree with the property value. R0880401 - 423 S MAPLE AVE , EATON Legal: ETN MWE L14 BLK6 MAPLEWOOD ESTATES Estimated Value: $277,900 Reason: Based on market data, the petitioner does not agree with the property value. R0502101 -838 WILLOW DR, LOCHBUIE Legal: LOC 3HP L6 BLK29 HIGHPLAINS FG #3 Estimated Value: $233,900 Reason: Based on market data, the petitioner does not agree with the property value. Documents 1.) 1 109 Walnut St.pdf 2.) 1700 Alpine Dr.pdf 3.) 1920 86th Ave.pdf 4.) 2115 81st Ave.pdf 5.) 2497 Vale Way.pdf 6.) 300 Fieldstone Dr.pdf 7.) 335 Laurel Ave.pdf 8.) 37201 Northwest Dr.pdf 9.) 423 S Maple Ave.pdf 10.) 838 Willow Dr.pdf You have selected the following Date Preferences: Agent letter: Colorado LOAs.pdf i Weld County Assessor Hearing Information Submission For HPA Borrower 2016-1 LLC 1109 Walnut St Parcel No. 080720118044 Current Market Value $271,025 Taxpayer's Value $ 258,800 Date Submitted 5/30/2017 By Robert Peyton Phone: 954.476.4265 ResidentialAppealsgRyan.com 500 E. Broward Blvd, Suite 1130 Ft. Lauderdale, FL 33394 RYcln0 Ryan►). Weld County Assessor Tuesday, May 30, 2017 STATE: PARCEL NO: VALUE ADJUSTMENT BOARD - SUMMARY OF EVIDENCE CO CITY: Windsor OWNER'S 080720118044 NAME: HPA Borrower 2016-1 LLC Accompanying this letter are the copies of the comparable sales analysis and/or purchase documentation which are submitted in support of the petition for adjustment of the current property tax assessment, as referenced above. Acquired Date:09/29/2015 Acquired Price: $258,800 We would appreciate copies of all documents which the Property Appraiser intends to submit at the hearing in support of the current property tax assessment for this property. Please contact our office to discuss any issues, recommendations or negotiations regarding this petition. Contacts: Robert Peyton: valuation related issues and/or negotiations: email address or phone number indicated below Barbra Blandino: all administrative issues: 954-740-6240 ext. 27-2030 or email address indicated below Sincerely, Robert Peyton Manager 500 E Broward Blvd, Ste 1130 Fort Lauderdale, FL 33394 Direct Line: (954) 476-4265 Email: ResidentialAppeals@ryan.com LETTER OF AUTHORIZATION FOR PROPERTY TAX REPRESENTATION Home Partners GA 2015 LLC; HP Colorado 1 LLC; HPA Borrower 2016 ML LLC; HPA Borrower 2016-1 LLC; Property Owner See Attached Property List Subject Property Colorado Jurisdiction and State 2017 Year This letter authorizes Ryan, LLC and its affiliate, Ryan Tax Compliance Services, LLC to represent the above -named property as its property tax agent in the jurisdiction and state named above. This authorization includes, but is not limited to: filing property renditions or returns; signing and filing appeals; examining property tax records; and, appearances before the assessor, boards of equalization or review, or other governmental agencies responsible for the assessment of property. If there are any questions concerning this authorization please contact the following: Bob Peyton, (954) 476-4265, Bob.Peyton@ryan.com A copy of any application or appeal attached to this authorization has been provided to the undersigned property owner. A facsimile or scanned image of a signature below shall constitute an original signing of this authorization and the document containing the original signature will be submitted upon request. This authorization shall remain effective as long as permitted by law or until revoked in writing by the owner. The person signing below certifies that they are a duly appointed officer, representative or agent of the owner and that they have the legal capacity to execute this authorization. Property Owner: Signature SU� ‘iv." -%-1 4-ci\i\FP Punted Name KIRA /0 Date Title Sworn and subscribed before me this Z � day of "OFFICIAL SEAL" PEDRO HERNANDEZ Notary Public, State of Illinois My Commission Expires 4/19/2020 Client: Home Partners of America Site: See Attached Parcel List rt , 201 No blic Li � M" commission expires. / Iq ^ ZU 2' U Weld County PROPERTY PORTAL Property Information (970) 400-3650 Technical Support (970) 400-4357 Account: R1458386 July 14, 2017 Account Owner Name Address R1458386 HPA BORROWER 2016-1 LLC 180 N STETSON AVE CHICAGO. IL 606016710 Reception Rec Date Type Grantor Grantee Doc Fee Sale Date Sale Price 01932598 07-06-1983 WDN 0.00 01-01-2000 0 1628902 SUB SUBDIVISION WINDSOR WEST 0.00 0 4111811 06-01-2015 AFFD REDENIUS ROBERT M REDENIUS KATHLEEN K 0.00 02-04-2014 0 4111812 06-01-2015 DTHC REDENIUS ROBERT M ' REDENIUS KATHLEEN K 0.00 01-28-2014 0 4113698 06-05-2015 PRD REDENIUS KATHLEEN K R&D HOMES LLC. JARED BOLES 19.00 06-05-2015 190 000 ' 4146074 09-29-2015 WD R&D HOMES BOLES JARED LLC; HP COLORADO I LLC 25.88 09-29-2015 - 258,800 4179507 02-09-2016 SWDN HP COLORADO LLC I HPA BORROWER 2016-1 LLC 0.00 01-28-2016 0 X0003415 07-06-1983 WD REDENIUS ROBERT M REDENIUS ROBERT & KATHLEEN K M 4.75 07-06-1983 47.500 Copyright © 2017 Weld County, Colorado. All rights reserved. Subject Comparable #1 (Subject) Comparable #2 Comparable #3 Address 1109 WALNUT ST 1109 WALNUT ST 520 PINE DR 5 ASPEN LN APN R1458386 R1458386 R1461686 R1462686 Proximity to Subject (Miles) 0.00 0.08 0.11 Land Use SFR SFR SFR SFR Zoning Deed Type WARRANTY DEED WARRANTY DEED WARRANTY DEED WARRANTY DEED Sale Price $258,800 $258,800 $238,000 $224,532 Sale $/SF GLA $158.77 $158.77 $130.05 $143.75 DESCRIPTION DESCRIPTION Adjustment DESCRIPTION Adjustment DESCRIPTION Adjustment Sale Date (0.667'1/0/Month) 9/29/2015 9/29/2015 (9 Months) $15,500 2/29/2016 (4 Months) $6.300 9/4/2015 (9 Months) $13.500 Location WINDSOR WEST WINDSOR WEST $0 WINDSOR WEST SUB 2ND FG $0 WINDSOR WEST 3RD FG $0 Lot (SF/Acres) ($70K/Acre) 7.307 / 0.17 7.307 / 0.17 $0 10,028 / 0.23 -$4.200 13,936 / 0.32 -$10,500 View Residential Comparable $0 Comparable $0 Comparable $0 Stories 1 1 $0 1 $0 2 $0 Construction Quality FAIR FAIR $0 FAIR $0 FAIR $0 AYB/EYB ($2,000/EYB) 1976/1996 1976/1996 $0 1975/1995 $0 1976/1996 $0 Condition AVERAGE AVERAGE AVERAGE AVERAGE GLA (SF) ($30/SF) 1630 1630 (+0%) $0 1830 (+12.3%) -$6.000 1562 (-4.2%) $0 Beds ($4,000/Bed) 3 3 $0 4 -$4.000 4 -$4,000 Baths ($4,000/Bath) 2.0 2.0 $0 2.0 $0 2.0 $0 Fin Bsmnt (SF) ($15.00/SF) 500 500 $0 816 -$4.700 768 -$4,000 Parking (Type/Cars) ATTACHED GARAGE/2 $0 $4,000 ATTACHED GARAGE/1 $4.000 ATTACHED GARAGE/2 ATTACHED GARAGE/1 Pool No No $0 No $0 No $0 Gross Adjustments 5.99% $15,500 12.27% $29.200 16.03% $36.000 Net Adjustments 5.99% $15,500 -3.61% -$8.600 -0.45% -$1,000 Adjusted Sale $ $274,300 $229.400 $223,532 Adjusted Sale $/SF (Subject) $168.28 _ _ $140.74 _ $137.14 Minimum Maximum Average Median Sale $ $224,532 $258.800 $240,444 $238,000 Sale $/SF $130.05 $158.77 $144.19 $143.75 Adjusted Sale $ $223,532 $274,300 $242,411 $229,400 Adjusted Sale $/SF (Subject) $137.14 $168.28 $148.72 $140.74 Value Estimate as of 6/30/2016: $242,400 Subject Comparable #4 Comparable #5 Comparable #6 Address 1109 WALNUT ST APN R1458386 Proximity to Subject (Miles) Land Use SFR Zoning Deed Type WARRANTY DEED Sale Price $258,800 Sale $/SF GLA $158.77 DESCRIPTION DESCRIPTION Adjustment DESCRIPTION Adjustment DESCRIPTION Adjustment Sale Date (0.667%/Month) 9/29/2015 Location WINDSOR WEST Lot (SF/Acres) ($70K/Acre) 7,307 / 0.17 View Residential Stories 1 Quality of Construction FAIR fr AYB/EYB ($2,000/EYB) 1976/1996 Condition AVERAGE GLA (SF) ($30/SF) 1630 Beds ($4,000/Bed) 3 Baths ($4,000/Bath) 2.0 Fin Bsmnt (SF) ($15.00/SF) 500 ' Parking (Type/Cars) ATTACHED GARAGE/2 Pool No Gross Adjustments Net Adjustments Adjusted Sale $ Adjusted Sale $/SF (Subject) I_ 5/18/2017 Real Ques t. com ® - Report I• Street Map Plus Report For Property Located At atCoreLogic RealQuest Professional 1109 WALNUT ST, WINDSOR, CO 80550-4811 Sale Price Year Built Bed Bath(F/H) Last Recording Living Area Distance # Address Subject Property 1109 WALNUT ST Corn parables 1 1109 WALNUT ST 2 520 PINE DR 3 5 ASPEN LN $258.800 1976 3 2 / 09/29/2015 1.630 0.0 $258.800 1976 3 2 / 09/29/2015 1.630 0.0 $238.000 1975 4 2 / 03/01/2016 1 .830 0.08 $224.532 1976 4 2 / 09/04/2015 1.562 0.11 http.//pr ocl as si c. real quest. com /j s p/report.] s p?&client= &acti on= confirm &type= getreport&recordno= 0&reportopti ons= 8e6e5d49- 0895-4fb9- 9bbb-4ae07abb9ec9&f... 1/1 LETTER OF AUTHORIZATION FOR PROPERTY TAX REPRESENTATION Home Partners GA 2015 LLC; HP Colorado 1 LLC; HPA Borrower 2016 ML LLC; HPA Borrower 2016-1 LLC; Property Owner See Attached Property List Subject Property Colorado Jurisdiction and State 2017 Year This letter authorizes Ryan, LLC and its affiliate, Ryan Tax Compliance Services, LLC to represent the above -named property as its property tax agent in the jurisdiction and state named above. This authorization includes, but is not limited to: filing property renditions or returns; signing and filing appeals; examining property tax records; and, appearances before the assessor, boards of equalization or review, or other governmental agencies responsible for the assessment of property. If there are any questions concerning this authorization please contact the following: Bob Peyton, (954) 476.4265, Bob.Peyton@ryan.com A copy of any application or appeal attached to this authorization has been provided to the undersigned property owner. A facsimile or scanned image of a signature below shall constitute an original signing of this authorization and the document containing the original signature will be submitted upon request. This authorization shall remain effective as long as permitted by law or until revoked in writing by the owner. The person signing below certifies that they are a duly appointed officer, representative or agent of the owner and that they have the legal capacity to execute this authorization. Property Owner: Signature Sv � a -it; avv,41 14c1Ne PWName K- nted Date Cf“/ Title Sworn and subscribed before me this Z 6 day of t't 1 "OFFICIAL SEAL" PEDRO HERNANDEZ Notary Public, State of Illinois My Commission Ex • ires 4/19/2020 Client: Home Partners of America Site: See Attached Parcel List No blic M commission expires: 201 9 -- 1 1 10 ° LETTER OF AUTHORIZATION FOR PROPERTY TAX REPRESENTATION CSH 2016-1 Borrower LLC CAH 2014-1 Borrower LLC; CAH 2014-2 Borrower LLC; CAH 2015-1 Borrower LLC; CSH 2016-2 Borrower LLC ColFin Al -CO 1 LLC; CAN 2016-1 Borrower LLC; CAN 2016-2 Borrower LLC; CHS Property One, LLC SWAY -Beauty LLC; SWAY -I nverclyde LLC; SWAY-SRP Sub LLC; SWAY -SWAY 2014-1 Borrower LLC Property Owner See Attached Property List Subject Property Colorado Jurisdiction and State 2017 Year This letter authorizes Ryan, LLC and its affiliate, Ryan Tax Compliance Services, LLC to represent the above -named property as its property tax agent in the jurisdiction and state named above. This authorization includes, but is not limited to: filing property renditions or returns; signing and filing appeals; examining property tax records; and, appearances before the assessor, boards of equalization or review, or other governmental agencies responsible for the assessment of property. If there are any questions concerning this authorization please contact the following: Bob Peyton, (954) 476-4265, BobaPeyton@ryan.com A copy of any application or appeal attached to this authorization has been provided to the undersigned property owner. A facsimile or scanned image of a signature below shall constitute an original signing of this authorization and the document containing the original signature will be submitted upon request. This authorization shall remain effective as long as permitted by law or until revoked in writing by the owner. The person signing below certifies that they are a duly appointed officer, representative or agent of the owner and that they have the legal capacity to execute this authorization. Property Owner Signature \Ar)( icc.ii) r cA-. Prot TaX C‘: 1/1 °Lc I 7 Printed Name Date (",?(A4)‘O(\- ted ci; Title Sworn and subscribed before me this aC\‘rm day of VA Client: Colony Starwood Homes Site: See Attached Parcel List 7 201,78110 C4-5:3\ Cr. No Y/ c ry Public commission expires: S -020 ..S1/21. Ilk �y 'izm �♦ JESSIVAN NAPOLEON Notary Public - State of Florida Commission 0 FF 911364 My. Comm. Expires May 2, 2020 Hello