alea-institute/kl3m-data-sample-004-shuffled huggingface dataset:
瞭解抵押貸款文件

完成購買房屋所需要的抵押貸款文件

來自:
瞭解抵押貸款文件

買房過程中需要完成很多文件,許多家庭對此感到不知所措。不過,住房

顧問、房地產代理人或貸款機構等住房專業人員可以提供合適的資訊和支

持,幫助您做好更週全的準備,讓你能夠看懂您正在簽署的文件。

抵押貸款文件

如果瞭解抵押貸款辦理程序中使用的主要文件的目的

與功能,您在辦理從貸款申請到過戶的每一步手續時

會更有自信。

統一住宅貸款申請

買房過程中涉及到很多重要的步驟,其中最重要的一

個步驟是完成抵押貸款申請。申請表上有幾個重要的

部分,用來收集與您本人、您的財務狀況有關的資

訊,以及與潛在抵押貸款有關的詳細資訊。

在提供與您本人及任何共同貸款人有關的資訊時,請

準備提供您的社會安全號碼、出生日期、婚姻狀況和

聯絡資訊。您還要準備提供與您的收入、支出、資產

(您擁有的財產)及負債(您所欠的債務)有關的文

件。如果存在影響您財務狀況的待定法律問題或因

素,您需要提供此類資訊。這些資訊加上您的信用報

告,可以幫助貸款機構評估您償還抵押貸款的能力。

您還需要向貸款機構提供與您想購買的房屋有關的資

訊(例如地址、建造年份等)。貸款機構將提供貸款

交易的詳細資訊,包括貸款數額、房屋的買價以及貸

款總成本。

預先核准通知

在您和任何共同貸款人填寫並簽署申請表後,信貸員

將向您發出一份預先核准通知,說明貸款的可能數

額。該通知是貸款機構作出的有條件承諾,表示他們

同意借給您特定數額的資金用來購買房屋。雖然這些

資訊很有幫助,但您需要自己決定您是否能夠承擔所

建議的抵押貸款每月付款額。

真誠費用估算

當您填完貸款申請後,貸款機構將提供真誠費用估算

(英文簡稱為GFE),概述與貸款有關的費用。例如,

您需要支付信用報告費,即調取您信用報告的費用。

您還需要支付房屋價值評估費,以便您瞭解自己的房

屋在購買時值多少錢。您還有責任支付產權調查費,

以便產權擔保公司調查物業的以往產權記錄,確保物

業沒有記錄在冊的未清償留置權或債務,另外您還要

支付記錄費,以便將物業登記在您名下。最後,真誠

費用估算將概要列出您在過戶時需要有多少儲備金,

包括首付款和過戶費。

誠信借貸披露聲明

誠信借貸聲明表將解釋您抵押貸款的總成本。法律要

求披露此類資訊,以提供與融資數額、融資費用、付

款日程表及您的年百分率(英文簡稱為APR)有關的

資訊。APR包括利率、點數、經紀人費用,以及您需

要支付的任何其他費用。

住宅與城市發展部第1號過戶明細表

貸款機構還將為您提供住宅與城市發展部第1號過戶明

細表(英文簡稱為HUD-1)。此表格將披露與完成貸

款有關的費用與服務。過戶費的範圍通常是貸款額的

3%至7%。在確定過戶日期的時候,請向您的貸款機

構索取一份HUD-1過戶明細表。該表格將列出過戶的

時間與日期,以及抵押貸款交易的最終成本。
抵押票據

買房手續的最後一步是過戶,有時也稱為結算。在這

次會面的時候,您將簽署相關文件,以便將房屋合法

地過戶給您。您需要簽署抵押票據。在這份文件中,

您承諾您將依照您同意的條款償還貸款。該文件還解

釋您未按時付款可能造成什麼後果。

抵押合約或信託契據

抵押合約或信託契據是一份法律文件,貸款人在該文

件中將產權轉讓給第三方(受託人)持有,作為對貸

款機構的擔保。當貸款全額付清時,受託人再將產權

轉讓給貸款人。由於貸款機構借錢給您購買房屋,他

們將以房屋作為擔保,確保您償還貸款。簽署這份文

件表示您授權貸款機構在您未按約定償還貸款時收回

物業。如果貸款人拖欠貸款,物業可能被出售,以清

償抵押貸款債務。該文件還聲明您必須使房屋保持良

好的維修狀態,並為物業購買保險。

產權過戶契據

賣方將簽署產權過戶契據,將物業的產權轉讓給您,

所有買方的姓名都將列入該契據。您的產權將由第三

方受託人持有,直到您全額償還房屋貸款為止。不

過,您在過戶時將收到產權過戶契據的副本。

宣誓書和聲明書

此類文件聲明您提供的所有資訊屬實,包括您將以物

業作為主要居所,以及在過戶之前已對物業進行所有

必要的維修。

簽署文件之前獲得幫助

從您決定買房的一刻,到您拿到新房的鑰匙,您在此

期間將參加一系列會議,並需要簽署許多文件。 

這個過程或許令人緊張,但切記要與住房專業人員密

切合作,確保您在簽字之前瞭解文件的內容。

如需更多資訊

 聯絡聲譽良好的貸款機構或其他住房專業人員,幫 

助您詳細瞭解買房流程。

 房地美CreditSmart®課程為消費者提供指南,幫助他

們建立更好的信用、合理地管理資金,以及成為負

責任的房主。瀏覽 FreddieMac.com/creditsmart

下載消費者課程資源,有五種語言可供選擇。

 「買房需要知道的事情」(About Homeownership)

是房地美的一項線上指南,介紹買房流程以及如何

成功地擁有住房。瀏覽 FreddieMac.com/homeownership。

 謹防騙子!瞭解您所在地區的常見騙局,並在訂立

下一份貸款協議之前獲得建議。詳細瞭解常見的騙

局:FreddieMac.com/ avoidfraud。

 如果想查找您附近的HUD認定的住房諮詢機構,請

瀏覽 www.hud.gov 或致電800-569-4287。

 與信貸員討論,詳細瞭解每份貸款文件及其中的條

款。

來源

內容根據房地美「抵押貸款辦理程序指南」(Your Step-by-Step Mortgage Guide)改編,該文件是一份雙語指南,幫助貸款人瞭解抵押

貸款辦理程序,包括從貸款申請到過戶的每個步驟。
 

來自: 

出版編號825 n © 房地美版權所有,2011年12月
# C_2017095EN.01000301.xml

| 27.3.2017 | EN | Official Journal of the European Union | C 95/3 |
| --- | --- | --- | --- |

27.3.2017

EN

Official Journal of the European Union

C 95/3

---

Appeal brought on 15 July 2016 by Market Watch Franchise & Consulting Inc. against the judgment of the General Court (Fourth Chamber) delivered on 13 May 2016 in Case T-312/15: Market Watch v EUIPO — GLAXO GROUP (MITOCHRON)

(Case C-402/16 P)

(2017/C 095/05)

Language of the case: English

Parties

Parties

Appellant: Market Watch Franchise & Consulting Inc. (represented by: J. Korab, Rechtsanwalt)

Appellant:

Other party to the proceedings: European Union Intellectual Property Office (EUIPO)

Other party to the proceedings:

By order of 1 December 2016 the Court of Justice (Tenth Chamber) held that the appeal was inadmissible.

---
##### 



Exhibit 32.1 CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350,
AS ADOPTED PURSUANT TO
SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 In connection with the EnergySouth, Inc. (the Company) Quarterly Report
on Form 10-Q for the period ending June 30, 2004 as filed with the Securities
and Exchange Commission on the date hereof (the Report), I, John S. Davis,
Chief Executive Officer of the Company, certify pursuant to 18 U.S.C. Section
1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002,
that, to the best of my knowledge:  1.
    
    The Report fully complies with the requirements of Section
13(a) or 15(d) of the Securities Exchange Act of 1934, as amended;
and2.
    
    The information contained in the Report fairly presents, in all
material respects, the financial condition and results of operations
of the Company. Date: August 3, 2004
    
    By:

    /s/ John S. DavisJohn S. DavisPresident andChief Executive Officer
# C_2019305EN.01003901.xml

| 9.9.2019 | EN | Official Journal of the European Union | C 305/39 |
| --- | --- | --- | --- |

9.9.2019

EN

Official Journal of the European Union

C 305/39

---

Judgment of the General Court of 19 June 2019 — L’Oréal v EUIPO — Guinot (MASTER DUO)

(Case T-182/16 RENV) (1)

(EU trade mark - Opposition proceedings - Application for EU word mark MASTER DUO - Earlier national figurative mark MASTERS COLORS PARIS - Relative ground for refusal - Likelihood of confusion - Article 8(1)(b) of Regulation (EC) No 207/2009 (now Article 8(1)(b) of Regulation (EU) 2017/1001)

(2019/C 305/46)

Language of the case: French

Parties

Applicant: L’Oréal (Paris, France) (represented by: T. de Haan and P. Péters, lawyers)

Defendant: European Union Intellectual Property Office (represented by: D. Hanf, acting as Agent)

Other party to the proceedings before the Board of Appeal of EUIPO, intervener before the General Court: Guinot (Paris, France) (represented by: A. Sion, lawyer)

Re:

Action brought against the decision of the Fifth Board of Appeal of EUIPO of 23 February 2016 (Case R 2916/2014-5) relating to opposition proceedings between Guinot and L’Oréal.

Operative part of the judgment

The Court:

| 1. | Dismisses the action; |
| --- | --- |

1.

Dismisses the action;

| 2. | Orders L’Oréal to pay the costs. |
| --- | --- |

2.

Orders L’Oréal to pay the costs.

---

(1)  OJ C 222, 20.6.2016.

---
*Pursuant to 5TH CIR. R. 47.5, the Court has determined that this

opinion should not be published and is not precedent except under

the limited circumstances set forth in 5TH CIR. R. 47.5.4.

UNITED STATES COURT OF APPEALS

For the Fifth Circuit

No. 02-30141

Summary Calendar

MICHAEL W. PALMER,

Plaintiff-Appellant,

VERSUS

RICHARD DANZIG, Secretary of the Navy,

Appeal from the United States District Court

For the Eastern District of Louisiana

CV 99-2675-J

 

August 16, 2002

Before DAVIS, WIENER and EMILIO M. GARZA, Circuit Judges.

PER CURIAM:*

After a careful review of the record and the briefs of the

parties, we are persuaded that the district court correctly granted

summary judgment in favor of the defendant.

The judgment of the district court is therefore affirmed

essentially for the reasons stated in the magistrate judge’s
2

thorough November 27, 2001 Order.

AFFIRMED.
<TABLE> <S> <C>

<PAGE>

<ARTICLE> 5
<MULTIPLIER> 1,000

<S>                             <C>                     <C>
<PERIOD-TYPE>                   6-MOS                   3-MOS
<FISCAL-YEAR-END>                          JAN-29-2000             JAN-29-2000
<PERIOD-START>                             JAN-31-1999             MAY-02-1999
<PERIOD-END>                               JUL-31-1999             JUL-31-1999
<CASH>                                          15,950                       0
<SECURITIES>                                         0                       0
<RECEIVABLES>                                        0                       0
<ALLOWANCES>                                         0                       0
<INVENTORY>                                    161,416                       0
<CURRENT-ASSETS>                               225,169                       0
<PP&E>                                         205,178                       0
<DEPRECIATION>                                (74,816)                       0
<TOTAL-ASSETS>                                 367,878                       0
<CURRENT-LIABILITIES>                          140,565                       0
<BONDS>                                        194,000                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                             0                       0
<OTHER-SE>                                    (15,425)                       0
<TOTAL-LIABILITY-AND-EQUITY>                   367,878                       0
<SALES>                                        290,292                 148,012
<TOTAL-REVENUES>                               291,685                 148,710
<CGS>                                          166,281                  87,363
<TOTAL-COSTS>                                  297,431                 150,480
<OTHER-EXPENSES>                                     0                       0
<LOSS-PROVISION>                                     0                       0
<INTEREST-EXPENSE>                              12,819                   6,473
<INCOME-PRETAX>                               (18,565)                 (8,243)
<INCOME-TAX>                                     7,585                   3,455
<INCOME-CONTINUING>                           (10,980)                 (4,788)
<DISCONTINUED>                                       0                       0
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                  (10,980)                 (4,788)
<EPS-BASIC>                                          0                       0
<EPS-DILUTED>                                        0                       0


</TABLE>
**Exhibit 31.2**

 

**CERTIFICATIONS**

 

In connection with the Quarterly Report of Bear Island Paper Company LLC (the“Company”) on Form 10-Q for the period ended September 30, 2003 as filed with the Securities and Exchange Commission on the date hereof (the “Report”), and pursuant to Section 302 of the Sarbanes-Oxley Act of 2002, I, Edward D.Sherrick, Vice President of Finance (Chief Financial Officer of the Company), certify that: 

 

(1) I have reviewed the Report; 

 

(2) Based on my knowledge, this Report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, notmisleading with respect to the period covered by this Report; 

 

(3) Based on my knowledge, the financial statements and other financial information included in this Report fairly present in all material respects the financial condition, results of operations and cash flows of the Company as of, and for,the periods presented in this Report; 

 

(4) The Company’sother certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-14 and 15d-14) for the Company and we have: 

 

(a) designed such disclosure controls and procedures toensure that material information relating to the Company is made known to us by others within those entities, particularly during the period in which this Report is being prepared; 

 

(b) evaluated the effectiveness of the Company’s disclosure controls and procedures as of a date within90 days prior to the filing date of this Report (the “Evaluation Date”); and 

 

(c) presented in this Report our conclusions about the effectiveness of the disclosure controls and procedures based on our evaluation asof the Evaluation Date; 

 

(5) The Company’s othercertifying officer and I have disclosed, based on our most recent evaluation, to the Company’s auditors and the audit committee of the Company’s Board of Directors (or persons performing the equivalent function): 

 

(a) all significant deficiencies in design or operation ofinternal controls which could adversely affect the Company’s ability to record, process, summarize and report financial data and have identified for the Company’s auditors any material weaknesses in internal controls; and 

 

(b) any fraud, whether or not material, that involvesmanagement or other employees who have a significant role in the Company’s internal controls; and 

 

(6) The Company’s other certifying officer and I have indicated in this Report whether or not there were significant changes in internal controls orin other factors that could significantly affect internal controls subsequent to the date of our most recent evaluation, including any corrective actions with regard to significant deficiencies and material weaknesses.
<PAGE>   1

                                                                      EXHIBIT 11

                      ANNUITY AND LIFE RE (HOLDINGS), LTD.
            STATEMENT OF COMPUTATION OF NET INCOME PER COMMON SHARE
                                   UNAUDITED
         (EXPRESSED IN UNITED STATES DOLLARS EXCEPT FOR SHARE AMOUNTS)

<TABLE>
<CAPTION>
                                                         THREE MONTHS ENDED          SIX MONTHS ENDED
                                                   ------------------------------    ----------------
                                                   JUNE 30, 1999    JUNE 30, 1998      JUNE 30,1999
                                                   -------------    -------------    ----------------
<S>                                                <C>              <C>              <C>
Net Income:......................................   $ 8,746,242      $ 3,575,011       $17,228,523
Net average number of common shareholders
  outstanding....................................    25,499,999       21,016,483        25,499,999
Weighted average number of common shares
  outstanding including shares issuable from
  exercise of options and warrants...............    27,114,771       22,405,132        27,148,654
Earnings per share...............................   $      0.34      $      0.17       $      0.68
Earnings per share assuming dilution.............   $      0.32      $      0.16       $      0.63
</TABLE>

                                       15
#### Billy Dwight CONEY, Plaintiff-Appellant, v. Mr. and Mrs. Ainsworth SMITH, Det. Douglas Mundy, Defendants-Appellees.

No. 83-5407

Non-Argument Calendar.

United States Court of Appeals, Eleventh Circuit.

Aug. 13, 1984.

Billy Dwight Coney, pro se.

Kenneth B. Drucker, Lee A. Kraftchick, Miami, Fla., for Dade Co. and Douglas.

Before HILL and ANDERSON, Circuit Judges, and TUTTLE, Senior Circuit Judge.

PER CURIAM:

This appeal presents two issues that merit the consideration of this Court. In the first, Coney alleges in his § 1983 complaint that, although he pleaded guilty and was convicted on the basis of such plea and did not appeal therefrom, he alleges that his conviction was illegal because it was based on an illegal arrest and illegal search of his car. The trial court determined that the plea of guilty entered by Coney stood as a bar under the doctrine of collateral estoppel to the § 1983 action. It is not quite so simple. In *Haring v. Procise,*462 U.S. 306, 103 S.Ct. 2368, 76 L.Ed.2d 595 (1983), the Supreme Court specifically held that a defendant convicted on a guilty plea in state court is not precluded from seeking recovery of damages under § 1983 for alleged Fourth Amendment violations *that were never considered in state proceedings.*462 U.S. at -, 103 S.Ct. at 2378. (emphasis added). In a case involving very similar issues, *Harvin v. City of Miami,*719 F.2d 405 (11th Cir., 1984), this Court *1200remanded the case in light of *Haring.*However, it appears that Coney litigated the issue of illegality of arrest and search prior to his plea of guilty. Although the state court proceedings on the suppression issue were not made a part of the record before the district court, we may take judicial notice of the same. *Moore v. Estelle,*526 F.2d 690, 694 (5th Cir.1976). *Haring,*therefore, does not apply.

The second issue relates to the claim that Coney’s automobile was seized and held for six months by the defendant, that the car was vandalized by the time it was returned and that his tape player, amplifier, speakers and several pieces of silver jewelry had been stolen. The state answers this contention correctly, we think, under the doctrine of *Parratt v. Taylor,*451 U.S. 527, 101 S.Ct. 1908, 68 L.Ed.2d 420 (1981) and *Palmer v. Hudson,*— U.S. -, 104 S.Ct. 3194, 82 L.Ed.2d 393. Since there are available remedies under the state law for the recovery of damages for property improperly seized, even though intentionally seized by the authorities, Coney may not recover under a § 1983 claim. At -, 104 S.Ct. at 3205.

The judgment is AFFIRMED.
# C_2017374EN.01003302.xml

| 6.11.2017 | EN | Official Journal of the European Union | C 374/33 |
| --- | --- | --- | --- |

6.11.2017

EN

Official Journal of the European Union

C 374/33

---

Judgment of the General Court of 22 September 2017 — D'Agostino v Commission

(Case T-501/16 RENV) (1)

1

((Civil Service - Contractual staff - Article 3a of the CEOS - Contract not renewed - Articles 12a and 24 of the Staff Regulations - Duty of care - Interest of the service))

(2017/C 374/50)

Language of the case: French

Parties

Parties

Applicant: Luigi D'Agostino (Luxembourg, Luxembourg) (represented by: M.-A. Lucas, lawyer)

Applicant:

Defendant: European Commission (represented by: G. Berscheid and G. Gattinara, acting as Agents)

Defendant:

Re:

Re:

Application on the basis of Article 270 TFEU, seeking, firstly, the annulment of the Commission’s decision of 1 December 2011 not to renew the applicant’s contract as a member of the contractual staff and, secondly, compensation for the loss which he allegedly suffered.

Operative part of the judgment

Operative part of the judgment

The Court:

| 1. | Dismisses the action; |
| --- | --- |

1.

Dismisses the action;

| 2. | Orders Mr Luigi D’Agostino to pay the costs of the present proceedings and of Case F-93/12 and to bear his own costs of Case T-670/13 P; |
| --- | --- |

2.

Orders Mr Luigi D’Agostino to pay the costs of the present proceedings and of Case F-93/12 and to bear his own costs of Case T-670/13 P;

| 3. | Orders the European Commission to bear its own costs of Case T-670/13 P. |
| --- | --- |

3.

Orders the European Commission to bear its own costs of Case T-670/13 P.

---

(1)  OJ C 343, 10.11.2012 (Case originally registered before the European Union Civil Service Tribunal under number F-93/12).

1

---
No. 59458.

protest 250733-K (Baltimore).

#### Novelty Veiling Co., Inc. *v.*United States,

Opinion by

Ford, J.

In accordance with stipulation of counsel that the merchandise consists of silk squares or scarves similar in all material respects to those the subject of *United States*v. *The Specialty House, Inc., Bryant & Heffernan, Inc., et al.*(42 C. C. P. A. 136, C. A. D. 585), the claim of the plaintiff was sustained.
IN THE UNITED STATES DISTRICT COURT FOR THE 

EASTERN DISTRICT OF PENNSYLVANIA 

ARMANDO LEYVA,

 Petitioner

v.

ANTONIO WILLIAMS, et al.,

 Respondents

:

:

:

:

:

:

:

CIVIL ACTION

NO. 04-3697

ORDER

AND NOW, this _23rd___ day of November 2009, it is ORDERED that:

1. The petition for Writ of Habeas Corpus is DENIED with prejudice.

2. There is no probable cause to issue a certificate of appealability.

3. The Clerk of the Court shall mark this case closed for statistical purposes.

s/Anita B. Brody

__________________________

ANITA B. BRODY, J.

Copies VIA ECF on _________ to: Copies MAILED on _______ to:
Industry Total On-site

Releases Percent of

TotaL onsite

releases 2122 Metal Mining 1,099,572,826 51.1% 325 Chemicals 220,245,973 10.2% 2211 Electric Utilities 161,053,462 7.5% 331 Primary Metals 156,811,213 7.3% 562 Hazardous Waste/Solvent Recovery 152,396,843 7.1% 311 Food/Beverages/Tobacco 107,405,762 5.0% 324 Petroleum 46,052,034 2.1% 322 Paper 43,491,303 2.0% 326 Plastics and Rubber 32,611,768 1.5% ZZZ No TRI NAICS code 28,578,385 1.3% 336 Transportation Equipment 25,920,855 1.2% 327 Stone/Clay/Glass 17,668,919 0.8% 323 Printing and Publishing 11,798,045 0.5% 332 Fabricated Metals 10,291,567 0.5% 337 Furniture 7,180,256 0.3% 321 Wood Products 6,479,230 0.3% 2121 Coal Mining 5,472,927 0.3% 334 Computers/Electronic Products 4,074,254 0.2% 3273 Cement 3,458,873 0.2% 333 Machinery 2,689,614 0.1% 339 Miscellaneous Manufacturing 2,488,478 0.1% 313 Textiles 1,995,886 0.1% 335 Electrical Equipment 1,766,089 0.1% 4247 Petroleum Bulk Terminals 1,388,315 0.1% 4246 Chemical Wholesalers 662,434 0.0% 316 Leather 162,315 0.0% 315 Apparel 5,794 0.0% 2,151,723,419 100.0%
<TABLE> <S> <C>


<ARTICLE>                     5

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-START>                                 JAN-01-1999
<PERIOD-END>                                   JUN-30-1999
<CASH>                                           2,721,000
<SECURITIES>                                             0
<RECEIVABLES>                                      144,000
<ALLOWANCES>                                       (61,000)
<INVENTORY>                                        806,000
<CURRENT-ASSETS>                                 4,913,000
<PP&E>                                           2,544,000
<DEPRECIATION>                                   (738,000)
<TOTAL-ASSETS>                                  21,310,000
<CURRENT-LIABILITIES>                            5,425,000
<BONDS>                                                  0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                             9,000
<OTHER-SE>                                      15,769,000
<TOTAL-LIABILITY-AND-EQUITY>                    21,310,000
<SALES>                                          3,110,000
<TOTAL-REVENUES>                                 3,142,000
<CGS>                                            2,377,000
<TOTAL-COSTS>                                    2,377,000
<OTHER-EXPENSES>                                 4,935,000
<LOSS-PROVISION>                                         0
<INTEREST-EXPENSE>                                       0
<INCOME-PRETAX>                                 (3,711,000)
<INCOME-TAX>                                             0
<INCOME-CONTINUING>                             (3,711,000)
<DISCONTINUED>                                           0
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                    (1,838,000)
<EPS-BASIC>                                        (0.48)
<EPS-DILUTED>                                        (0.48)



</TABLE>
# Departments

# Independent Agencies