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One of the most important people you will meet in the purchase of a home is your home inspector. While most people have their homes inspected, many don't really think about the person inspecting the home.We've heard horror stories of inspectors who miss major defects, skip over major problems or find problems that they can fix for a small fee.But these aren't reasons not to have your home inspected. They are reasons to look more closely at your home inspector choices.It is important to make sure that your home inspector is well trained and insured, especially since he or she will help you decide whether or not this investment is a good one for you. Look for the following things in a home inspector...

There is a huge difference between legal immigrants and illegal immigrants. LEGAL immigrants pay taxes, learn our language, and contribute to the United States as a whole.I support legal immigration, and this article is not intended to speak against legal immigrants or legal immigration.When Jesus was handed a coin with Ceasar's head on it, he said to "Render unto Ceasar what is Ceasar's, and render unto God what is God's."Jesus was telling us that we had to respect the authority of government officials, as well as render unto the government what belongs to the government.We are to pay our taxes and respect the laws of this country.This is at the core of the debate over whether or not to allow...

Settlement (also referred to as closing) is a critical part of the home buying process.During settlement, ownership of the home gets transferred from the seller to the buyer. This involves a lot of paperwork, a lot of signatures, and usually a lot of questions.As a home buyer, you can prepare for settlement by understanding what you need to do before the actual day of settlement. This will make the entire home buying process smoother and less stressful.Some of the items on this list may seem obvious, but I've included them anyway to make the list as complete as possible. Keep in mind that settlement laws and requirements may vary from state to state.Pre-Settlement Checklist: Loan Approval - This is...

Howard Gardner's theory of multiple intelligences is based on the premise that each individual's intelligence is composed of multiple "intelligences," each of which has its own independent operating system within the brain. These intelligences include: verbal-linguistic, logical-mathematical, spatial, bodily-kinesthetic, musical, interpersonal, intrapersonal, and naturalist.The verbal-linguistic intelligence is the use of both written and spoken language for the purpose of communication. Those possessing the verbal-linguistic intelligence are sensitive to the meanings, sounds, and rhythms of words. They love reading, poetry, tongue twisters, puns, humor, puzzles, and riddles.The logical-mathematical...

A public auto auction. Is basically a group of vehicles being sold to the highest bidder. Some common reasons vehicle auctions are held. Are that a governing body or tow company. Will be using the auction to pay off unclaimed vehicle fees. Such as the amounted impound and towing cost.Depending on the auction site. There could be various reasons the vehicles are there. The most common reason are abandonment, accident wrecked, illegally parked, theft recovered, donated, police requested impounds, repossessed, ex-gov or state service vehicles, etc. Some auction sites specify in certain type of vehicles, and other will generally have a mix of all.The major pros of a public auto auctions are. If you are...

There are some important considerations when treating kitchen and bathroom windows. With the unique conditions that exist in these rooms it is important to choose blinds that suit. This article looks at some of the things to ponder when choosing bathroom and kitchen blinds. When decorating a bathroom or kitchen, most people make the error of regarding this private sanctuary like any other room in the residence. The reality is that the bathroom has different requirements than any other room in the house. With showers running and baths being drawn, bathrooms are necessarily humid spaces. The damp climate requires consideration when decorating plans are being crafted and...

1. What's the difference between analog and digital phones?Analog phones operate on an older and less effective technology. This technology doesn't scale well and is more costly. Analog service is not compatible with numerous new features. Digital phones are lighter and more compact and have a longer battery life. When you are inside of a calling area the quality is better than analog. Digital phones support new features like caller ID, text messaging or wireless internet services.2. What is a Dual Band Phone?A Dual band phone is a phone that can operate on an analog and digital service.3. What type of battery has the longest life?Lithium-Ion or Li-Ion batteries have the longest life. They also...

For people considering market research, a point that often trips them up is the difference between qualitative and quantitative market research. Unfortunately, there are such important distinctions between those two types of research methodologies that it's difficult to consider the pros and cons of conducting market research until those differences are made clear. That's the goal of this article.I know that it's stating the obvious, but the terms really are made much easier by remembering their root words - quantitative market research measures the quantity of respondents who feel or act in a certain way. While qualitative market research is helpful in understanding the quality of a...

Many parts of the country are going through a real estate boom. In recent reports real estate is showing double digit growth in many parts of the country. In still many other real estate growth is outpacing inflation.1 - Real Estate Agent Real Estate agents are responsible for the vast majority of Real Estate Sales, Matching qualified buyers with eager sellers.2 - Mortgage Broker A good mortgage broker will represent 10 or more lenders. Each lender may have dozens of loan programs. The job of the Mortgage broker is to find the best loan for each client.3 - Loan Originator A loan originator or loan officer will work for the mortgage broker and help the client choose the best loan for their...

Selling a house is a very complex procedure that takes lots of preparation, research, patience in order to do it the right way. The first thing every home owner who wants to sell a house is to see it no longer as a home but as a product which needs to be marketed in order to get a fair price from property buyers which are on the look for a good house if possible at the lowest price available. The next thing to do is consider having a professional whole sale inspection so that all major flaws will be uncovered before they can cause troubles to potential clients. Also, by doing this it will prove that you are a responsible seller which will greatly improve the overall perspective of the house. After...

When it comes to online fraud, I take it personal because I was almost a victim. Looking back, I was very susceptible because I did not have the knowledge that I do now. It is not necessarily "knowledge", but more along the lines of "cautionary measures"; however, if I never took these, I would have been scammed again. It is not that I fall for anything, it is that scams are getting better and much harder to identify. This article is intended to prevent you from becoming scammed.The story is very similar to many others who have gotten scammed. I had a car to sell, so posted on many classified ad sites (mostly all free) and put the asking price, with some room to negotiate. Within the next two days...

In this article we're going to review the different types of computer memory as they do not all function the same way.The most common and most often used computer memory is your RAM which stands for Random Access Memory. Random Access Memory is considered random access because you can access any cell of the memory at any time for any piece of information either for retrieval or storage if you know the row and column that intersect at that cell. For example: let's say we are working within an Excel spreadsheet and we want to change the value in cell A1 from 100 to 90. In order to do this the computer has to know where on the RAM chip that cell's contents are located. Fortunately for the user, it...

TREC or Texas Real Estate Commission is a government body that was created in 1949 to administer four specific laws such as real estate license act, real estate inspector act, residential service company act and Texas timeshare act.TREC regulates activities of real estate brokers, salespeople, inspectors, residential service companies, timeshare developers and education providers for real estate and inspection courses. Main purpose of TREC is to protect legal rights of citizens of Texas and provide them with honest, trustworthy and competent real estate service. The commission reviews programs dealing with education providers for real estate and inspection courses. It tries to identify and regulate...

Although architectural details, wall and floor coverings, modern conveniences and many other factors are important in the buying decision, the focus of this inspection is on the structural/mechanical/electrical condition of the property.The inspection is designed to give the real estate agent or prospective purchaser a system to detect some of the readily accessible major flaws or deficiencies in the significant components and systems of a home. It is not designed to, nor does it profess to facilitate detection of all flaws, problems or occurrences that might exist in any given home.To maximize time efficiency and to ensure all of the major sections of the home are take into consideration, we have...

International real estate investors in search of the next big thing need to look towards Nicaragua. But how good a place is it to buy property what are the facts for the forign buyer. I explore this regions benefits as a place to buy overseas property. International real estate investors in search of the next big thing need to look towards Nicaragua. Its western coast is on the edge of a property boom and the region dubbed as the safest place in South America is ripe for investors. A little known fact is that Nicaragua has one of the strongest economies in Central America and has made significant progress away from the turbulent 1980s. There are virtually no barriers to foreign ownership of property...

CCTV drains surveys involve inserting a small-scale CCTV camera into your drains system to discover any problems that are obscured from sight above ground. These days small, good quality CCTV cameras are inexpensive and have allowed the price of a CCTV survey to be within the reach of most homeowners. These surveys can be used as part of a preventative maintenance programme or to discover existing issues without requiring a hole to be dug. CCTV surveys of drains, pipes, and sewers can also provide an accurate, visual and cost effective means to spot any drains issues, observe the source of the problem and help to establish the most economic repair options. Drains degrade over time Whilst drainage...

Looking for the right house can be a tedious job. Sometimes we may like a place so much in the beginning but when we actually get to live there we find many faults. We often tend to ignore many things when we go house hunting, small things like leakage, ceiling defects, electrical faults and so on and these things haunt us later when we go to live there. This is where having a home inspector helps. A home inspector can do the entire inspection job for you.What does a home inspector do?A home inspector will thoroughly and systematically evaluate the condition of the whole house. He will visualize the entire physical structure and system of the house from the roof to the floor. The home inspector will...

Demographic trends influence almost every aspect of life, from business planning to provision of healthcare, from education to style. Age, income, ethnicity, gender, mobility, employment and other demographic factors determine the shape of our society. Real estate is no less affected by the ebbs and flows of demographic trends, particularly income, aging, family situations and employment. For commercial real estate investors, the stakes are particularly high. Investing in commercial real estate, for example requires the ability to forecast where there will be a growing population, and/or where the population's average income will be increasing. In fact, commercial property investment...

Before I go into helping you to find your dream Dublin California real estate house, there's some common home buyers mistakes I want to address. Don't always think that if you are buying a house you can be protected by just using a "Buyer's Agent", or a mortgage broker who will "find them the best mortgage". It's totally wrong. Both the seller's and buyer's agents will benefit from more commissions off a higher selling price of the house either way. Another common mistake home buyers make is thinking the price in writing is set in stone, especially if you are going to be excited about getting your dream Dublin California real estate house in the very next moment. Don't give the seller that advantage...

What is the meaning of life - and could you sum it up in 25 words? What if someone offered you $10,000 for your best description?The website is running such a contest, and while it may be a marketing ploy, it's an astute one. Who isn't intrigued by this question? Who hasn't struggled to figure out his or her true purpose?Like Arthur Dent in A Hitchhiker's Guide to the Galaxy, we wish the meaning of life could be reduced to one simple solution: in his case, "42."What if there are no meanings to life, except those we choose? As new-age gurus assert, "It's all made up, anyway!" Or, as religious doctrines proclaim, "Follow God's will for you. This is the true meaning of life."Between "any which way you...

1. Be reader-centered, not writer-centered.Many brochures, websites, and direct mail I see from nonprofits is focused on how great their services, products and organizations are. Hello? Audience, anyone? Consider your reader thinking, "What's in it for me?" If you can, talk with some of your current donors, volunteers, members and clients and ask them 1) why they chose you, and 2) what they get out of your product, service or giving.HINT: To instantly make your copy more reader-focused, insert the word "you" often.2. Focus on the benefits - not just the features.The fact that your program, service or giving and volunteer opportunities offer a lot of neat features is great, but describing these...

It's one of our biggest investments and some of us are doing it more than once during our life. Like many things in our life that have changed dramatically, so did our habitation practices. Most of us don't stay in one house for the full duration of our lives as it used to be for many people in previous generations. Our modern dynamic life style and economy, calls for flexibility, mobility and frequent changes, People are following their jobs and careers even if it means moving from one side of the nation to the other. This tendency is in line with our culture of consuming society. We replace everything faster, we treat cloths, cars (some just lease), refrigerators and our dwellings like fashion...

Perhaps you have heard the word arpeggio being tossed around by other musicians, but have absolutely no clue what they were talking about. Simply defined, an arpeggio refers to playing the notes within a chord in rapid succession. On the guitar, this can be done by either using a pick or your fingers.Incorporating arpeggios into your guitar playing can be a very simple matter, or a very complicated one, depending on your approach to the subject. Because I am a guitar teacher, I generally try to find ways to introduce my students to new techniques that are easy to understand and relatively easy to do. So let's see if I can help you learn how to play an arpeggio today.If you want to use a...

Home Inspection is one of those businesses where the majority of the people who look to get involved will work for themselves.Career and businessTraining for on-the-job work is a major part of beginning a successful Home Inspection Career, but understanding how a business works can be just as important. Be sure to develop a business plan, have adequate capital, and use a good accountant! As with any self owned business, you will want to develop referrals, have relationships with real estate attorneys, brokers and banks. I know when I bought my home, one of the things I asked our real estate attorney was "Do you know a good home inspector?". An established home inspector does not rely on advertising...

Congratulations! You've decided to purchase a home. We all know that when purchasing a home, every detail is an important one. And choosing a home inspector is no exception. It's critical to choose an inspector the same way you've chosen a real estate professional - very carefully! You'll get a great educational experience when you hire a professional with the right credentials.Working with a home inspector isn't complicated; however, unless armed with the right questions to ask, you may get stuck with a less than capable individual. Here are my top 8 questions to ask your next home inspector:Does the inspector come from a construction background?It's great that your inspector is a nice person...

Everyone has a hard time justifying astrology as a science due to the wide variations that exist within the world of humans. The definition of astrology is an ancient system of divination using the positions of the planets, moon, and stars. According to astrology the celestial bodies exert specific energies that influence people and events. These influences may be determined by mapping positions in the sky at various times, but is still regarded today as a huge speculative issue due to the deep complexities and misunderstanding associating the field. What if the powers of Astrology had a deeper meaning, which stretched into the spiritual world and the ethereal planes of existence, including the very...

Properties can be sold by the house owners individually. Selling the properties individually is not a difficult task. It depends upon the seller's interest, attitude and approach regarding the house sale. When a seller decided to sell the house, he should consider all the task and requirement for the home sales. Home sales could be made effective by displaying in more outsource like television, newspaper and website. Presentation is the main target for the home sale. Everybody should display the house with proper exposure, advertisement and with reasonable price. This will make your individual home sale more interesting and more competitive. When you are selling the house, display the house with...

INTRODUCTION Objective: - To help enable process improvement for better performance-do it better, cheaper, faster. Would you like a simple, effective approach to process improvement? This is a generic method for almost any type of process and is intended as a guide of things to do, rather than an in-depth tutorial. Because it's generic, it doesn't contain discipline-specific technical advice. While it outlines a methodical approach, we also encourage creativity in concert with it, because the biggest breakthroughs happen when method and creativity find a way to co-exist. This article first defines key terms, then discusses how to improve inputs to the process, the process itself...

You won't find "talkability" in any dictionary. But it has everything to do with your personal marketing program. This article explains what it is and how it can help you grow your business.Let's start with a definition:Talkability (noun) - 1. The ease with which a product or service can be talked about. 2. The likelihood that a product or service will be talked about.Ever experience a product or service so incredible, so above and beyond the norm, that you couldn't wait to tell someone about it? That's talkability. Talkability is more powerful than "noteworthy" and more interesting than "interesting." It lives in the "remarkable" neighborhood.So what does it have to do with real estate? Well, if...

Oh my, what if they find something wrong?!* Over the years, professional home inspectors have identified a list of problems that typically appear on purchasers' home inspection reports. Early correction of these problems can increase a home's appeal, and it's selling price. Correction also sets the stage for a favourable home inspection report should the purchaser request one, and thereby helps to streamline your sale. The following checklist can help you achieve your marketing goals.* Using the checklist as a guide to examine your house will enable you to see your house the way a prospective purchaser or a professional home inspector might.o Is your home physically fit? To...

The availability of a growing number of free mortgage software that a number of leading technological giants provide has come as a great boon to prospective home buyers. Generally, such software provides invaluable support in doling out a varied range of information on mortgages and also encompasses details on critical areas such as the agent - buyer relationship.Apart from this, it also deals with important topics such as loan qualification and the all-important yardstick of approval. It also enlightens prospective buyers of homes about settlement costs along with dealing with crucial areas of mortgages like insurance and inspection.The software has been developed keeping in mind the immense...

According to Lawrence Yun, senior economist for the National Association of Realtors (NAR), the 2007 market puts buyers of homes at an "overwhelming advantage". However, the NAR is also predicting that 2008 sales will increase due to a slow down in new home construction that is helping to balance out the market place. For those who are considering buying in this current real estate climate, the decision of whether to invest in newly built homes, or existing ones, can be pretty confusing. With fewer brand new homes available on the market, maybe you'll get a better deal on a slightly older house. But how can you make an informed decision? The basic factors you want to keep in mind for the homes you...

Prior construction experience is a great asset - either in renovation, construction, or trade-related experience such as electrician, plumber etc. - or as a quantity surveyor, construction estimator, trades coordinator, or as a professional architect or engineer.An architect or an engineer is not automatically a good home inspector. These are disciplines that deal with very specialized and specific areas of buildings, whereas professional home inspectors are generalists, observing and understanding all the components in a building - and the relationships between different components and component systems.The general categories are:* electrical* plumbing* foundations, basements and structures...

It's a proven fact simple and user friendly websites generate more sales. To improve your sales, look for ways to simplify and make it easier for your visitors. Test your ordering process. Remove the clutter, broken links and anything that distracts or confuses. Here's a quick checklist to help your site pass inspection with your visitors and convert more of them to customers:1. Sizzle Your Headlines.Headlines are the most important marketing element of your website and your web marketing in general. Think about it a minute. What makes someone click your email out of the scores of emails in their ebox? Why do people choose your article out of a list of 20 or so on the page. They click...

Selling a house is a very complex procedure that takes lots of preparation, research, patience in order to do it the right way. The first thing every home owner who wants to sell a house is to see it no longer as a home but as a product which needs to be marketed in order to get a fair price from property buyers which are on the look for a good house if possible at the lowest price available. The next thing to do is consider having a professional whole sale inspection so that all major flaws will be uncovered before they can cause troubles to potential clients. Also, by doing this it will prove that you are a responsible seller which will greatly improve the overall perspective of the house. After...

Don't get confusedIf you have made your mind up to start using a digital camera, or perhaps upgrading from an existing one, then you can be forgiven for being confused. There are thousands of digital cameras available and they all display a confusing array of specifications. And digital photography was supposed to make photography easy, wasn't it?Luckily, many of the functions that digital cameras have are common to all so it is often down to personal choice as to which one is for you. How do you plan to use your camera? When? How much can you afford to spend?Don't worry about terminologyThe easiest mistake to make is to go for the greatest megapixels when choosing a camera. But this won't get you...

Just my thoughts...Rula Lenska This was all so, so unfair for poor Rula. Many will now probably remember her career for two things; Rock Follies and this TV Folly. Rock Follies was arguably the start of her career in the public eye and this TV Folly looks like being the end of it. Pray for a cat-food commercial, Rula! In fairness, though what a nightmare she must have found herself in - a 57-year-old, clearly past her physical best, finding herself in the company of a Mata Hari (Faria), a Daisy Duke (Chantelle), Britain's Primo Slapper (Jodie) and, to cap it all, Baywatch Babe Traci! Most woman well past a certain age would bridle at the thought of competing with any of them, poor Rula had to take...

A vehicle inspection should be done at least once a year and even if you're a person who hates do it yourself auto repair, it is easy to go through this procedure and find out if some parts of your vehicle needs fixing. If necessary you can then decide whether you want to go to an auto repair shop or do the car repair yourself.You should check your vehicles fuel system to find out if it functions properly. This inspection also includes the built in computer controls. You also have to check the general engine performance, ignition system - computer controls included, as well as all the instruments and gauges.Then do a check of your vehicles lights the car horn and mirrors. Your seat belts also...

Tip #14 in our series of 70 ways to save money when buying a house is use a weasel clause to protect yourself. Even if your lender does not require a pest (termite) inspection and the seller says he has never had a problem with insects you should get one done for yourself anyway. If the house has a pest problem, and you do not discover it, it could cost you thousands in repairs and months of agony. Spend a little money now to avoid spending a lot later. A pest inspection is easy to do and relatively cheap. Just make sure you add a contingency in your offer that the offer is only good if you approve of the findings of the pest inspection. Notice the wording of the previous paragraph. It says that you...

Laying out the site and building the foundationInstall temporary power and have electricity hooked up. Lay out site, install batter boards, dig foundation trenches and install the foundation forms. Pour footings, build foundation walls and piers, and install mud sills. Have the foundation inspected.Setting House UnitsWork crews lift components by crane onto the foundation.RoofingInstall knee boards, collar ties and rafter supports. Install gable end walls, structure wood and supports. Install roof vents. Install roof underlayment and shingles on hinge rows. Install ridge cap shingles.DormersIf applicable, cut out roof, install dormer walls, trusses, roof decking, roof edge, tar paper, roll roofing...

Grandpa Jerry Williams was a great admirer of Saint Paul and would not have invoked the name of the revered apostle deliberately to frighten the wits out of a St. Louis drummer. Besides, Grandpa had to replace the church-yard gate and repair the steeple.In those days of southeast Missouri, folks took their religion more seriously than some of us today. Grandpa Jerry, for instance, always felt he remained a poor carpenter-farmer because he had not heeded a "call" by the Lord to be a preacher.Grandpa was a pious man, nevertheless, and tried to understand and obey the Lord in all other respects. Thus, he was a pillar of the Methodist Episcopal church -- passing the collection plate on Sundays and...

Selling a house has always been a process that requires a considerable amount of energy, time and patience on the part of the seller. It is important to maintain a clean environment and ensure that the electrical and plumbing are working. A house that needs to be sold as is should be valuated as it allows you favorable opportunity to strike a good deal. A to- do list would enable you to keep track of different factors and avoid delays and other difficulties. Following are some of the important factors that should be followed in order to sell the house:a) Be informed: Every seller needs to be informed about the latest market price, trend, selling scope as well as limitations. You should be realistic...

Before a buyer considers your home seriously, it must meet his needs in a variety of ways. It must be a suitable commuting distance, neighborhood, design style, floorplan, size, number of bedrooms, etc. If all or most of these needs are met, the buyer will begin to move in the direction of making a purchase decision. The purchase decision is a both an emotional and intellectual response, founded on a level of trust in your home. So, it is logical that in marketing your home your goal should be to enable the buyer to build trust in your home as quickly as possible. One way to do this is to address both surface and hidden repair issues before putting your home on the market. A few small clues, such as...

The Pursuit of TruthFrom the earliest times in humanities existence there are those who continue to search for ultimate truth. Why are we here? Who are we? What is the meaning of life? Such are the questions asked by these spiritual explorers the mystics.Now in this present time the need to answer these questions looms ever larger as our world explodes with supercilious information and dubious dialogue. Everyone has an opinion but no one has an answer.We live in a time of unrest and conviction. Unrest in our pursuit of personal fulfillment and conviction in the traditional belief systems handed down from those who came before us.Which Reality?On the one hand you have those who claim that knowledge...

What kind of difference can the use biodiesel make when it comes to changing the world for the better? Perhaps the biggest impact of the use of biodiesel fuel instead of just plain diesel is on the human health and the environment.One of the biggest differences that biodiesel make is with regards to smog. Using biodiesel actually reduces smog. Both unburned hydrocarbons and nitrogen oxides in diesel fuel account for most of the particulates in air pollution. When you use biodiesel product or homemade biodiesel there is a substantial reduction of unburned hydrocarbons and if you are using a blend that is right for your machine. Tests that have been conducted according to EPA...

You just made an offer on your potential dream home and the seller has accepted it. Congratulations! Now it is time to get down to business with the tasks you need to accomplish to make sure you are able to successfully close on your new home. One of these tasks is to get an inspection done on the home to make sure there are no hidden defects that the seller is not aware of and cannot be readily seen by you, the seller or your real estate agent. The home inspection is one of the most important steps to home ownership. Make sure you have included your right to have an inspection done prior to closing in your initial offer on the home. Usually the inspection will be done within the first 2 weeks of...

It is believed that the greatest boom in the Atlanta real estate is yet to happen. An increased growth in population and rate of employment in Atlanta has caused the value of the real estate market to escalate continuously. The real estate prices are comparatively reasonable in Atlanta as compared to other large metropolitan areas. For example, a two-bedroom condominium in New York will cost you more than one million dollars, while Atlanta offers the same type of property for $250k to $300k.The rapid pace of development of Atlanta has made it a center of many industries. This has led to an oversupply of commercial buildings, thereby decreasing the value of commercial properties. Assessment based on...

Since the Holiday season is a very special period of the year a party at this time is always more than welcome. The Christmas decorations which are still up save extra work and give the desired festive air.When entertainment and games have been carefully planned ahead of time the party goes off smoothly without long lapses of nothing to do. The following games have been tried out many times and are most entertaining.A good way to start off is to hand each guest a pencil and four cards; one card with a band of brown across the top, another blue, another gray, and one of green. Each youngster is asked to list the names of the guests according to the color of their eyes.For instance if Johnny has brown...

Maybe I'm slow, or maybe our elected representatives are completely out of touch with the majority of Americans. If you're sitting there, like me, scratching your head and boiling mad about the immigration and illegal alien issues, and wondering how anyone can vote for a guest worker program or against closing the borders or against deportation, then it's not the lawmakers we should be mad at. It's the American public. Have you emailed, called, faxed, visited, or otherwise let your Senators, Representatives, President Bush, and our Vice-President how you feel on the issue? Have you told everyone you can to do the same? I guarantee you that if everyone that voted for an American Idol contestant...