davidaulloa/AmericanStories huggingface dataset:
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1920-08-22
First Loan ON
Queens Realty
By Pn'anelenntial
Insurance Company Shows
Faith in Home Building
at Jackson Heights by
Advancing $4,000

The Prudential Insurance Company
of America yesterday made the first
loan ever made in its history on real
estate located in Queens, when ii &C
cepted the application Of the Queens
boro Corporation for a loan of $4,000
on block of the new garden apart
ment houses at Jackson Heights, ad ia
cent to the Twenty Street station
of the Greensboro subway, north.
east and west of which point the
Greensboro Corporation owns approx
mately 100 city blocks, a number of
which have been improved with Colonial
and garden type apartment houses,
with the assistance, in the past, of
large loans made by the Metropolitan
Life Insurance Company and the Titl9
Guarantee and Trust Company.
Archibald NJ, Woodruff. assistant sec
rotary of tas Prudentia! Insurance
Company, in discussing the loan yes
terday said:
This is our first loan in the Bor-
ough of Queens. We accepted it be-
cause of the growing Importance of
mat borough as center OF population
"Au iiuuSNIy ana because we believed
our interests, as mortgagec, are fully
protected by reason of excellence OF
construction, architectural features
that display unusual nicely of plan
hing, close attention to details. light
and air and outlook; the control Of a
large amount of neighborhood property
by the mortgages; the high characte,
OF the tenants and tenant owners; the
manner III which it is apparent the
greensboro Corporation has made anc
IS making every effort to safeguard the
interests OF the community, and the
close proximity of the locality to the
business center of New York because
of excellent transit facilities over q
dual system.
The housing situation in New York
IL distressing, and if our loan to the
greensboro Corporation helps a little
to relieve the pressure we then viii
have helped our near neighbors. in
addition to having obtained safe and
satisfactory mortgage"
The property covered by the new
mortgage, according to Edward A. Nc
Dougall, president OF the Greensboro
Corporation, consists of the ten gar
den" type apartments erected recently
in Twenty seventh and Twenty eighth
streets, between Polk and Roosevelt
avenues, and comprising 144 suites, of
which number rs have been sold I'M
der the Jackson Heights plan of ten
ant ownership of apartments. The
apartments range in size from four to
eix rooms, exclusive of bathrooms.
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1920-08-22
Two Apartments Finished
On Upper West Side
Pressure Will Be Relieved ;
Little in New Buildings
of Palermo Brothers

The last part of the summer vaca-
ton is going to be most enjoyable for
good many families who suddenly
have discovered that, while there
seemed to be no apartments availablc
for them this fall, some builders have
been working steadily, despite labor and
material conditions, to get ready new
houses for October occupancy. 1t has
been hard fight for builders. who have
succeeded here and there throughout
the city in overcoming big obstacles to
provide a few more homes.
The firm of Palermo Brothers, Joseph
Patcrno, president, reports two opera
tons successfully completed. They are
the two houses at the north corners of
Riverside Drive and 146th and 147th
streets. In these buildings the Paternos
have provided good many three and
four room suites. OF course, only a
small part of the demand on the upper
west Side can be supplied by these
houses
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1920-08-22
Buyer of Big Newark Plot
To Erect Business Building

Feist e. Fest sold the property. at tne
northeast corner of Passaic Avenue
and Blanchard Street, Newark, n. o.
for the Riley estate TO John Eoe r.
berger. The site has a frontage OF 4S 40
feet on the avenue with a depth. OF iov
feet, and will be improved by the new
owner with a one-story building 10.
his own business. The same brokers
sold dwelling 40 Walnut Street, New.
ark, 35xl00, for the Cordella NJ. Cran'
estate 10 Anna Hayes. 90
Louis Schlesinger Inc sold IS and !. -
Hawthorne Avenue. Newark, 5oxlgo'
for DR.. William Z. Ward. medical a.
rector of the Mutual Benefit Llfe ~
surance Company. TO Paul d. Mcvuhe,
and the two-famly house. l5+ ElToou
Avenue, 27x10O, for Charles NJ. lie ga
man TO Mrs. Anna c. Hedges; IN.
same broker sold the dwelling u Eppe,,'
Street, 35xl25, for Mrs. Caroline hSi'
sey Comrie to Casper J. Maier.
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1920-08-22
cooperative Ownership
Favored by Legislature
Passed Laws in 1913 for Protection of Group In
vestments; Strict in Their Demands, Making
Conditions That Secure Rights of Stockholders

an the present housing crisis atten-
ton of many houscholders and owners
of property is farming to cooperative
ownership as a means of getting bet
ter and cheaper housing accommodate
TONS said Louis B. Blachly, organizer,
Bureau Of Cooperative Associations,
Department Of Farms and Markets of
the State of New York
MANY large real estate operators are
organizing former renters into collec-
tive owners of their own apartments.
In view Of the possibilities which lie
open in this direction" continued Mr.
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1920-08-22
Large Chicago Concern
To Locate i'm Newark

A lease negotiated through Louis
Schlesinger Inc. will bring to Newark.
y; j., 81 large Chicago concern. The S.
obermayer Company leased series of
buildings at Blanchard and Ferry
Streets owned by the Tominson-
Miesse Corporation, recently purchased
through the same broker.
The American Express Company
leased TOR ten years at an aggregate
rental OF over 100000 two stores at
ga and 876 Broad Street, Newark,
through Mr.. Schesinger, who has also
rented to Moskin Brothers, mems,
women's and children's wearing ap-
parel, three floors at 2O3 and eos
Market Street, Newark.
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1920-08-22
Odd Parcels in
Lower City Have
Unusual Buildings:
Sheet Iron Walls
Give the Maximum
Room Inside; Stair.
ways on Outside
Aid Space Problem

business, two big eyes in rno4,,
frame, is all that mas ever been knowt
to he in that window. The three-s.o,r
shop and home of the veteran optic;a,
Is valued at $500, and the land on vh;cb
1T stands at 81 200. The rickety han.
lister up the outside stairway and ,tba
general appearance of the bu;ldjno
give 1t an air Of antiquity.
Diagonally across the junction formed
by the crossing of New Chambers. Roso
Pearl and Madison streets is annther
corner, the southeast corner Of Pnss
and New Chambers streets littls
fruit stand and shelter cover the nsr
eel, which is only about three fee-
long on its longest side. The stand
keeper or owner who happens to have
good covering of flesh on his bod
finds it difficult to do moro than turn
around in the little house. Severas
years ago the. space was covered hv
the show window of the adjoining bar
Der shop.
Many years ago tree stood on tina.
corner. AT the other end Of the bloc;
was Cunningham's mansion. as the
Colonials used to cali the old Dutcb
sugar house, which the provost mar
shall of the British army had turned
into the most dreaded OF all deten.
ton places at the time. Prisoners
being brought to Cunningham's house
got their first sight of the dreaded
prison when they reached this corner.
Many attempts were made at tina.
corner to liberate prisoners.
At the corner of Chestnut and New
Chambers streets is a corner which is
covered by an advertising frame. The
rental from the advertisements returns
very good income on the estimated
value of the property.
Left Over From New Streets
These spearlike properties are the
result of the extension of Chambers
Street from Park Row in a northeast
e1ly direction across the city TO the
James Street Ferry, and now known
as New Chambers Street. The stree.
was made as the result Of considerable
agitation that the city's street system
was too winding and the highways too
narrow fo- the rapidly expanding bust
ness needs. This fight for better
streets and more direct communication
with the ferry landing at James Street,
which was one OF the most important
around the city, was won about dozen
years before the start Of the Civil War
New Chambers Street was carried
diagonally across a half dozen blocks,
crossing New Bowery. which had been
opened the previous year, in the blocks
between Pearl, Madison. Roosevelt and
Oak streets. Chestnut Street. mar
row street extending from Madison to
Oak Street, had been on the maps OF
the city for many years. 1t is sup
posed to have been lane on the farm
Of the Roosevelt family. which ownet
most of that section of the city. and
was named Chestnut Street because
of a chestnut tree that stood on the
Madison Street corner When the New
Bowery and New Chambers Street
we're driven through the block the two
rectangular blocks were broken VI into
six triangular parcels OF various sizes.
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1920-08-22

Blachly, cit is desirable that a knowl-
edge concerning the state laws govern
ing cooperative associations be widely
known.
"Cooperative enterprises conducted
purely for the benefit of the individ
uals of group and not for private
profit have, after years of experiment
tation, developed certain we'll defined
principles. These principles are now
clearly defined in the cooperative laws
of the State of New York. These laws
are designed to protect carefully the CO.
operative investor as we'll as guarantee
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1920-08-22

featured in the buildings in a year
Thousands and thousands Of operatives
Will be employed in the making of this
womcns tinery. They will enter the
buildings from the side streets. Ramps
VIII take them to the first floor, where
they will board elevators to the work
shops throughout the building. These
Will be above the fifth floor, for the plan
is to rent the first five floors to CON
Germs not in the cooperative plan for
use as display rooms and offices. The
first floor will be showrooms and the
next four floors will be Offices. The
income from this space is expected to
reduce the cost of operating and carry
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1920-08-22
Pier for Fish Distributors

G. P. Butterfly leased the pier on the
East River, formerly occupied by the
Old Dominion Steamship Company,
cot of Hamilton Avenue, Brooklyn. for
Julian P. Fairchild, George G. butcher
and John l.. Sherwood, as receivers of
the Atlantic Dock Company, to the
,Newly- formed Atlantic Fisheries Com
spany, Inc, Edward w. Nichols, presi-
nent. The leases will use the pier for
distributing their cargoes Of Ash.
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1920-08-22

Co., Mack Hammer & Milius. Nathan
Schuss & Co., Otto B. Shulof e. Co.,
Regina Kobler, Jesse Shuman G. Co..
Mensch Reich & Co., Henry Newman,
Carl Bonwit, Rappaport & Gottlieb,
Henry II. Finder, j. S. Becker g. Co.,
[. Bodensten, Inc; K S. Litwin, G.. NJ.
Piermont g. Co.. Rubin Bros, Wilkin
& Adler, j. NJ. Siverman, II. P. Bel
singer & Co., NJ. r. Silverman, L. LUIS
tig, Samuel Post, NJ & H. Rentner,
Zelenko & Moskowitz, II. W. Gins
burg, Morris Strassman, E. j. Vile e.
Co, Jacob Rapport & Co., George G.
Wood e. Co., A. Schwartz & Co. and
G.. ID. G. Manufacturing Company.
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1920-08-22
Lou Rents IL, Portland

Rents are lower in Portland, Ore,
than in any other city in the coun-
try, according to an article in the Of
hclal organ of the Building Man
ayers and Owners Association Of
Portland. The article says:
"The average rate in Portland is
Slo month unfinished. and $40 to
$50 month furnished, while for the
same accommodations in Eastern
cities from S45 to 500 is charged.
Seattle and San Francisco average
$50 to $50 unfur:ished and $50 to
$40 furnished. Los Angeles and Van
couver, b. c., rates are higher"
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1920-08-22

When the new street was finally cut
through all that was left of the full
size lot at the southeast corner Of
Madison and Roosevelt streets wasTthc
little apex, which Immediately became
the smallest corner in the city. 1t was
many years later that the Tax Depart
ment discovered the stray little parcel
1t was placed on the tax books and
taxes paid on it. This year the levy
against the corner was $1.24.
There are several 500 parcels in that
same section. One Of them is on New
Chambers Street and another is on New
Bowery. Walking along New Chambers
Street, cast from the Municipal Build
House on the south side of the way
and the fruit stand. there will be
noticed an opening in the buildings.
That opening is three feet wide and
exactly one foot deep on its deepest
side. 1t contains two square feet and
is worth 500, according to the Tax
Department list. 1t is owned by Thomas
Lewis, who also holds the adjoining
property. There is little hope of
speculator getting the parcel. The New
Bowery 500 parcel is at the northwest
corner of James Street. 1t is right at
the doorstep to the three story build
ing at that point and measures a few
feet on each side. The Tax Depart
ment discovered this parcel about five
years ago aud since then it has been
treated as a separate property. Only
recent tax maps show it.
Didn't Own School Entrance
Several years ago it was discovered
that the property directly in front
of the entrance to the hall Of st. James
School at the southeast corner of New
Bowery and James. Street was not the
property of the school. 1t is a triangle
of not more than three or four square
feet in area. Father Curry, who was
rector of the church, became alarmed
at the discovery and set out to buy the
entrance to his school hall. After many
months Of tracing he succeeded in
locating the owners in a far-of corner
of Ireland, and he purchased the prop
erty through \. +. Walsh, a real estate
man of City Hall Place.
These little parcels, remnants of
large properties. had been lost in the
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1920-08-22

ing the buildings sufficiently to give
the cooperative tenants their space at
90 cents a square foot.
The cooperative tenant must sell his
stock, which represents the size Of his
plant, should he decide to leave the
building. The stock must be sold to
the concern which is to take the va
Gated premises.
The following concerns are coopera-
tive owners of the garment center
buildings: Blauncr Bros. e. Co., Max
Eubel q Co. Max Cohen, Inc; Morris
Bandler, Ben Gcrshcl & Co., Amster-
dam Sachs, Singer Bros. Day Co.,
Philip Mangonc g. Co., Jesse Woolf e.
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1920-08-22

Realty Buying at Malverne

Eugene Nesbit sold his home on
Canes Avenue, Malverne, l.. l., through
the Amsterdam Development and Sales
Company to c. A. Werner. The same
company sold plots to Clyde l.. Hib-
bite. of Louisville, KY, and Eddie
Male. of Philadelphia; also to Miss
Bertha A. Lusk. Mrs. Jennie Wilton
and Miss Geneva V. Wolcott, of this
city.
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1920-08-22
SH6DED TP/AWGLE S -SHOW LOCH7zOWS
and RELATIVE SIZE of NEW Works
MOST INTERESTING CORNERS

high, which the city says is worth no
more than 500. A lubricating oil
dealer occupies it. About three barrels
OF lubrlcaton is about all he can crowd
into the little structure 1t covers a
site whose extreme measurements are
10 feet inches on New Bowery, ex-
actly y feet on New Chambers Street
ard IS feet inches straight across
tie rCar line
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1920-08-22

If Mr.. Dclehantys estimate Of its
value is accepted it should bring $1,000.
1t is not likely, however. that it can be
purchased without taking the adjoining
property, as both are owned by George
r. Pond who holds the odd looking
ironclad triangular structure and the
octagonal- shaped structure next to it.
AT the northwest corner Of New
BCwery and Pearl Street, which is on
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1920-08-22

cutting through of New Bowcry and
were discovered by chance in search
ing the titles of the adjoining prop
critics.
This section is one of diminutive
corners and odd shaped properties At
the south end Of the block in which is
the $50 corner is another corner of
moro than passing interest. 1t holds
a corrugated iron building, two stories
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1920-08-22
Big New Haven Plant Sold

The Safety Car Heating & Lighting
Company purchased through Louis
Schlesinger, Inc, the large plant of
the Marlin Rockwell Corporation at
Hamden, on the outskirts of New
Haven, Conn. The transaction involves
about 100000. The new plant will be
used by the Safety Company in the
manufacturing Of railway car heating
and lighting appliances.
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1920-08-22

the block to the south, is $500 worth
OF a corner 0 feet on Pearl Street, 8
feet II inches on New Bowery and 10
feet in the rear. Some years ago it
carried building of several stories
which the Tax Department did not con-
slider worth anything. The corner is
now partly covered by small frame
building, the headquarters of the bust
ness OF J. Cosgrove. truckman. The
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1920-08-22
Judge Frederick De Witt Wells
Sells Large Greenwich Estate

Judge Frederick Dc Witt Wells has
sold his farm on Round Hill Road in
Greenwich, Conn, through Raymond p.
thompson. The estate comprises
cightytive acres, for which the owner
has been asking 100000.
The evening herald. [volume] (Albuquerque, New Mexico) 1914-1922, 1920-02-28
MG1rtNeVy

NEW YORK. Feb aS.-The week.
end session Of tho stock market was
~iiFfiese aud uncertain and rails tur-
nieline aimoot tho cniv element 81
ACTIVITY and strength. Even in that
quarter hesitation was akHwu py IN
veEtment shares. Low prlcnd issurs
OF The western and southwestern dt-.
visions. alro couiers end cotton car
riefs, mounted 20 new hiqh prices FOR
tho current movement. bat cqfty
Fiftne Of ! TO 2 points were reduced
later. oils and motors novel within
narrow bounds bat atocis aud equip
menta Inclined moderately downward.
The closing was Irregular. Sales up
proximnied iOo.0oc shares. Liberty
bonds and victory nofcs reflected iur-
The evening herald. [volume] (Albuquerque, New Mexico) 1914-1922, 1920-02-28

gfeers. ss.50mtLOe; rows and hettorH
k7.bOm 300: stockcrs and ieed"fs
$500 1000. calves $500" l'po
Hoo -uecetuts. 200. market
steady. Top. Sl4es; bulk, Sia.25H
1873.
Sherp-Hersipta. 1000; market
steady Lambs. $500 uts.75; ewes.
&lI.UO fr12.-5.
The evening herald. [volume] (Albuquerque, New Mexico) 1914-1922, 1920-02-28

NEW YORK. Feb - Mercantile
paper G'l 06A per cont. sterling go
duy hills $3.50 pc, cent. commercial
go day bills ON banks aa5h per cent.
cnmmrrrialbO dHN bills, 3S5a pri
$40 per cent
The evening herald. [volume] (Albuquerque, New Mexico) 1914-1922, 1920-02-28

Corner Arno ST and Tijeras Avel
l.. L. Gaines. pastor Residence,
seq L. 2. Arno 3.
sunday school. 1880 a.. m.
Preaching. 1900 a M and 1870 -.
M.
Prayer mseiine, wednesday $3.50 p
m.
sunday morning subject. The Cos
pet on santiflcation' Evening SUBJ
lcrt. "The Woe OF sod
A welcome 90 am.
The evening herald. [volume] (Albuquerque, New Mexico) 1914-1922, 1920-02-28

(Coruer Broadway and Lead aNc.l
Thomas r. Harvey, pastor. rest
dence 1890 East Gold avenue; phone,
fs1sM.
Bible school $3.50 a. IN. Orchestra
win play for opening.
Junior and senior Unions, f;a
p. m
worship at n a. ~. and 5sso p, m;
Norninr theme; "Haptiats and ctVil
and Religious Liberty kNenlns
hemc. 'Thc Tragedy Of i~nfluence'
Special music az both services un-
der thc direction Of Mrs Blanche Tn
derwood. Mra o. W. Horton viii sing
fho oncrtory solos,
There will be q meeting pf the hap-
1st pastors Of a. state for confer
enre eshi.h viii BE- held with the Al
Hunueruuc church on ncxt Tuesday
evening. Tho public ~ invited
strangers and visitors especially
welcomed al an Our services
The evening herald. [volume] (Albuquerque, New Mexico) 1914-1922, 1920-02-28

fCarncr Gold and Arno)
Carl SchmId, pastor: residence, 200
South Arno, phone. 2aieJ.
sunday school es45 a. NJ,
MornlnE services. IL o'clock, sub
ircl. Growing IN HAncttncauon'
Evenang services. 1880 Subject
Peter.
Thufadar afternoon the Ladies AID
meets nj the home Of Mrs J. See-
bohm. 1893 Forester avenue.
The evening herald. [volume] (Albuquerque, New Mexico) 1914-1922, 1920-02-28

NEW YORK. Feb IS COTTON o.
lures closed s,endy. March. s7sE.
May 3t.'1. July. 32g5. OrloHer
20 Na. bpCDmber. .g.sV.
The evening herald. [volume] (Albuquerque, New Mexico) 1914-1922, 1920-02-28

fCor. Silver Ave. q sixth A.
Arthur ~. Knudscn. pastor.
stf5 a. m sunday Hrnooi, wits
Supi.
1900 a. m. Morning worship The
pastor will speak on Shrinking from
the Cross Anthem BY the choir,
As The Hart panteth, lAdamI),
The evening herald. [volume] (Albuquerque, New Mexico) 1914-1922, 1920-02-28
livestock

CHICAGO. Feb. 2s.-HoeS-Rc-
celpts. 1000. market strong 10 10
~ higher. Bulk, &if2bMlb2 20;
ton. Sib.15: heavy. SAl0mlAesi
medium. stt 20 ef1b.25; light. $3.50
mis.3s: light light Siison 1910;
heavy packing sowA. smooth, Sl255m
I3.60; packing sowH. rough, Sl2fOm
t2.75i pigs. sia 2bM l4.7b.
Cattle-Reccipts. 1890; compared
with a week ~iEo: beef steers and
butchers. she-stock. 25 10 80 cents
lower: so cents lower; bulls
about steady: calves. SO to 70 nj
lover. sthckcrs and feeders steady to
strong.
shoep-Rcccipts. 5000: market
steady: compared with a week aEoi
lambs and handy y~cariinss, rs cents
TO Si.25 lower; maturcd sheep NM
KANSAS CITY. Mo. Fch. 2s-
Hogs Receipts. 1000; market steady
Buik. sia,1bn ifAO; hcavies. Al3.6Om
1900. mediums. &i3.Sb Mi4bbi pack
ing s0ws. si2.25 Wi3.00; pigs $1,000
.IA2b
Cnuie- Receipts. 500: market FOR
week steers steady TO 60 cents lower'
cows. ISn 20 cents lower; hciters
strong 90 % cents higher; Cunncrs
and calves mostly 90 cents lower.
feeders. 90 to so cents lower.
shecp-Receipts, 1900; market for
week: mt lambs, 20 To 90 cents low
er: Shocr 20 mt higher. feeding
lambs. 90 TO 20 cents lower.
pFNVER. Colo. Feb. 2S-Cattlc- -
Receipts. none market none; beef
The evening herald. [volume] (Albuquerque, New Mexico) 1914-1922, 1920-02-28


ga North Fifth street
The church with The welcome sign
wlthuut n the welcome spirit with
in. Every service worthwhile.
s.ts "a M. Bible school q place
for every age. Music led b. orchestra.
1890 a.. M. Morning worship and
communion service. This l. "Llfe En-
listmcnt Day" with he Protestant
churcbes Of America. Fathers.
mothers. Young people attend this ser
vice. Special sermon The Steward
ship of Life"
5.sO ,. M. Twilight social by the
young people for young people.
e.3o p. m. Christian Endeavor ser
vice.
7:so p. m. Personal workers train
7:S0 9. m. Bvangeiistic service.
Music by orchestra. violin solo, choir.
Sermon "Sln, sinners and Their Fate.
CduIurai Avenue Methodist.
A. J. bowman. pHstor J n. Major.
.Supt Sunday school
g-fs a. IA. SUNDAY scapnl. a class
for every one
1880 a. IA. Morning worship. The
pastor viii occupy the pulpit
500 y. m. intermediate and senior
leagues
$3.50 .. "a Evening worship. An
rxanrellstic service.
Special music for the day as follows
Prelude. soaring tSchumannl.
Anthem. cone Sweetlv Solemn
Thought (Howsisl.
Anthem Tor evening. God II NY
Strong Foundation" t.frmanl.
9gertofy. "EusiFnunio" tNeviul.
solo. Selected. Mrs. = a. Miller.
Tuesday evening "a Sunday school
institute will be held. a team Of eN-
pert workers from Nashville Tenn.
vii be- with us. Those of the town
Interested in better sunday schools
are Invited 10 meet with us.
The every member canvas Is meet
Ing with the hearty response. Let
each n get one.
our goal. to double the "mcmbershiI
his year,