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HomeMy WebLinkAbout07-5020IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK Plaintiff No: ~7-JrOo~D Civi I IefM vs. MAY MANN COMPLAINT IN CIVIL ACTION Defendant FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: James C. Warmbrodt,42524 WELTMAN, WEINBERG & REIS CO., L.P.A. 436 Seventh Avenue, Suite 2718 Pittsburgh, PA 15219 (412) 434-7955 FAX: 412-338-7130 06010948 C N Pit SJS IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK Plaintiff vs. Civil Action No MAY MANH Defendant COMPLAINT AND NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 COMPLAINT 1. Plaintiff, CAPITAL ONE BANK is a corporation with offices at 140 EAST SHORE DR GLEN ALLEN VA 23059 . 2. Defendant is adult individual(s) residing at the address listed below: MAY MANH 700 NAILOR DR APT 203 CAMP HILL, PA 17011 3. Defendant applied for and received a credit card bearing the account number 5178052470688702 . 4. Defendant made use of said credit card and has a current balance due of $2135.12 as of July 10, 2007 . 5. Defendant is in default by failing to make monthly payments when due. As such, the entire balance is immediately due and payable to Plaintiff . 6. Plaintiff is entitled to the addition of interest at the rate of 28.240$ per annum on the unpaid balance from July 10, 2007 A copy of Plaintiff's STATEMENT is attached hereto, marked as Exhibit "1" and made a part hereof. 7. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or refused to pay the balance due to Plaintiff. Wherefore, the Plaintiff prays for judgment in its favor and against Defendant MAY MANH INDIVIDUALLY in the amount of $2135.12 with continuing interest thereon at the rate of 28.240 per annum from July 10, 2007 plus costs. James WELTM 436 S Pitt (412 FAX 060 0 This law firm is a debt collector att our client and any information obtain Warmbrodt,42524 WEINBERG & REIS CO., L.P.A. h Avenue, Suite 2718 h, PA 15219 -7955 -338-7130 C N Pit SJS zCng to collect this debt for ill be used for that purpose. • Noi~ with ' ~ ~ FREE Accelerator ' . ~ . ter the Brst 12 ,~w.tli:r-. ~6o vam® ~~ 9? ~~ a - a morah for flrst 3 months: E9.95hno. thereafter SIGN UP TODAY! ' 1-888-587-9669 Mention Offer Code: EMERALD Or vlslt www.peoplepc.coMgo/emerald Account S Previous Balance 51,488.49 Payments, Credits and Adjustments E.00 Transactions E35.00 Finance Charges 132.59 New Balance E1,556.08 Minimum Amount Due E1,556.08 Payment Due Date April 15, 2006 Total Credit Line E1,000 Total Available Credit E.00 Credit Line for Cash E1,000 Available Credit for Cash 5.00 At your service To nll Customer Relations or to report a lort or stolen enrd: 1-800-903-3637 Send payments to: Send ingwries to: Atm: Remittance Processing Capini One Bank C:pital One P.O. Box 790116 P.O. Bos 30285 St Louis, MO 63179-0216 SLC, UT 84130-0285 Imoorrant Account lnfornlation Please review the endosed privacy information and retain it with your account records. Also visit www.capiralone.com/creditratds and click on the Visit the Guide to Benefits link to leazn about your latest Y~sa. or MasterCard. account benefits. The descriptions in this online guide replaze any information you received in the past. For a printed copy of the Guide to Benefits, call the Customer Relations number on the back of your card. EXHIBIT Finance Charges Plrare ree reruriesidejor impmrant information «r~e Pew Corresponding ~~~ m gplird to ratr APP ~, PURCHASES 11,504.14 .07737%P 28.24% S32S9 ~ CASH 1.00 .07737%P 28.24% f.00 ANNUAL PERCENTAGE RATE applied this period 28.2496 • PLEASE RETURN PORTION BELOW WITH PAYMENT ~~`~' 0000000 0 5178052470688702 15 1556080350001556082 Pleauprint mailing ad~ev and r-maarhmgn brr Wring b~ ar Mark ink New Balance E1,556.08 Minimmn Amount Due E1,556.08 sveet hpr,t Payment Due Date April 15, 2006 Ciry Srate ZIP Total enclosed E Home PMne Itl[ttnrte Phonr Accout Number. 5178-0524-7068-5702 Emulada~m #9007534995326560# MAIL ID NUMBER ~ Capital One Bank _ m MAY MANN 203 00 r P.O. BOx 790216 IIIuIuIIIIInuIIIII NAILOR DR APT ~ ~ 7 St. Louis, MO 63179-0216 N ~ CAMP HILL PA 17011-7429 r IIIIIIII III IIIIIIIIIIII IIIII111II VIIIIIIIIII IIIIIIIIIIII VIII ~ Pkme tsniteyrorn accent nambn on yow check os monry order made payable to Capita! One Bank and mail in the enclosed envelope. 003 peoplepc~ online ~ Abetter way to Internet. PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers at half price for the first 3 months! ® Yrus Protection powered by symantecT'" Q Pop-Up BlockerT"' Spam Controls ® ' Smarter Smart Dialer Technology ®~ Mon: Email Addresses ®~ Internet Call Waiting PLATINUM MASTERCARD ACCOUNT 5178-0524-7066-8702 FEB 16 -MAR 15, 2006 Page 1 of 1 Payments, Credits and Adjustments Transactions 1 15 MAR PAST DUE FEE E35.00 You were assessed a past due fee of E35.00 on 03/15/2006 because your minimum payment was not received by the due daze of 03/15/2006. To avid this fee in the future, we recommend that you allow at least 7 business days for }roar payment to reach Capital One. peoplepcry online ~ Abetter way to Internet. UNILIMITED INTERNET ACCESS SIGN UP TODAYi 1-888-587-9669 Mention Offer Code: EMERALD Or visR www.peoplepc.com/golemerald PtaplePC is sdey responsible for this offv,and a rqt affiliated with Caphal One. CaPpd t>ne does nil provide, endorse a guarantee, and a not affipttfed with, any product a service shown here. Any trademarks mentioned barer are soYdy owned by the respective eMiry. AN rights reserved. By responding to this offer, you may be corraraakcalRtg information melt yourseg ro the company that provides this product -tor example that you are a Capital One cusYanar. 'PeoplePC Odirre: Fast 3 months are billed at 54.97 per momh; 59.95 per momh therealte. Offer evapable to derv 6aFUp subscdhers al IP,ast 16 years M age and may not be rrtdetarletl with any other otFLV. ORa subject ro change d arty time. Phone technical support available for 57.95 per minute. }Arxdtsdors Rea for 12 months. Oger good for united time. ARer the first 12 morrths, the Accelerated service wig autanaticaly revert ro the standard PaoplePC Orahle smite. Ofier aubiect to dtNlge d arrytima WM PeoplePC Online Accelereted, certan Web page text and praphks will load taster whm compNad to slNdartl did-uD Imerrra< service. Actiml results may Vary PLgplePC OnNne Accelareteds arty compatible wigr PeoplePC ONkte klterret SaYice end spedfred Wkrdows® browsers. Pril7plePC Online Acceiercted is not arrlpatibk with Wndoas& 95 wgh IE 5.5 SP2. Service not available in ap areas. Access teas, taxes, and other ftIPS and reddctivls rtrey aPPN- Tekplane tog dtargBs may apply, even dung tdal periods. You are raspomibk fa tielermkring wfrether a cap to vie of our access numbers wpl rtrsup in telephone till chaga,. Access may be larrited, ttapecidy during limes d peak usage. Dial-up nlanbers maybe chertged td PeoptePC's decrefion. Condnuous use subject m timeout procedues. All use is subject to PeoplePC Onlne§ SrKVices Agreement and AcrreptaMe Usa Pofiry. S6K is the maxkralm speed of servce; actilat speed may vary. ® 2006 PeoplePC Inc. All Rights Reserved. PrapIt7PC Or~Gne and hs logos are tradenlaks d PeoplePC m the US. and othv colagries. ® 2006 Captal One Services, Ina. Capital One a a fedeally registered service mark AI fights eseved. s, ~_ S ~_ tt~ gggg~ 8 o , N N l ¢~~ b Nom, t` N pedoac rate. To obtain the average dilly balance tar the bNling period covered by life netemem, we take the begiming balarae of wh aegmras each day, add any new trensaetiana to each xpnrrm, and wzbtrect any peymema or cretgta. (lf the node N appears m the from of Mia atatemrmt next to 'Balance Rete Applied To,' tine also subtract any urpnid finance t3xrge indrded in the beknce of wilt segment.) This gives us the tleily balance of each xpnvn. Then, wr; add ly all the dailyy balances for each xgmar for the bilNrg padod and avide by the lord number of days M tfre billing pedotl. TNS gives us the average dally belerru ai each xpnwt. 3. AraarN Parwrraga Rases IAPr11. e. The term 'Annual Percamege Rafe' may appear as 'APR' on the irrxd of tNa ddemeM. b. If tla code P IPdmeh L 13-mo. LIBORI, C IWrtificate of Depostl, a S IBmkram Pdmel appears on tM hart of this ata[8rrrent text to tla pedoac retelsl, the pedoac rates and mrteapanang ANMIAL PERCINfAGE RATES may very quanedy and may incroaae or tlecreex baxd tix rated frame, ea (Draw in The w a shear rorams/ pea tla margin preworatly aado.aa m you. Thex changes wnl De effective an the first day of your allirrg pedotl covered by your pedodc natemrm atdrrg the mamfu January, April, JrrIV and October. c. If tfa code D IPdme), F 11-mo. LIBOR) or G 13irlo. IBOR Repriced MontNy) appears on the titan of your sretemrm nee to the pedafic ratels), the pedaac rates antl mrteapondirg ANNUAL PERCENTAGE RATES may vary maway antl may Irrcrux or decreax bextl m the stated irtacea, as kxnd in The Waa Sheet Joana/, plus ~he margin prcvfousy aadosad fa yw. These durgea II be effective on tfre fiat day of your hilNrq period cant mash. 4. Aswsonarrl of Leta, Overirdt ant Rekmed Payment Fwa. Your atxemt wlN be asxsaed ro more then two of tfre ixs listed hero that axon during any bigirrg period. Under the terms of your cenaner agreement, we rexrve the dgrn to waive or rat to sexes any tees wither prior notification to you vathrxd waiving our dgM to sexes the xme or smiler fees n a later time. 5.tBerzsvhrp Yw ArtmuR. If a membendiP tee appears on the Fran o1 tNS rnatemem, you Ireve 30 days fran the date this emtemern wee mailed to yw to avdd paying the fee or to have xrJt fx created to yen 11 you urinal yen BrYdxft. wdrq INS period, yeti may (:OntlrnC [O Ube yOUr BnCalrlt Wllrrer freNrg [O pay fire member p fee. To tined your scratm, yet must notify by calling our Cwtomer Rdadoru Departmam eM pay your 'New Balance' in till lexduang the beMip feel Prior to the end of tfa ihlny-day Padod. 8. N Vou Cbw You Aeaeus. You can request to ilex your aerator by tilling our Customer Rdatiora Depanmem. Vou must destroy your crest urdls) end arxtxrrt access clacks, tined all preaurhodzad billing, and ceax usirre your accaan. If yom do rat caned preeuthodzed baling arrarrperrrents, we will corrsder wept a a Uurge your auModzaticn m reopen your acctxm. Adatlanelly, your accaan niN rat be doxd until you pay all amounts You owe ua irduang: any ttaMacdoM you fa`e au[hodxed, liners! charttes, past due fxs, ovedimit tees, remmed payment tees, cash advance fees ant any oMer fees asaeeaed to your accent. Yw are resporrdae for these amarns whether tfrey appur m your accent at tfa tlme yeti request to dose the acmrnt or they are krwned etOsegtara to your request to Box tfa acmrm. TNs may resat in dargea appeadrg on your atxram aher you have ywr acctaxn if it has sltutly bean rJtered. For example, if you audadzetl a purdux from a merdum ant we remive the transsctian from the merdum aher your ,ttorot has been dmea, your aeerxm win m renperied, lire amen[ of tfre durge will be added m your atxrxar, ant you will he reapmsde mr paymem. If there is a memberahiP fee for yeti acmun, the fee will tarnkxfe to be cfrerged, to the extern permihed by law, rxntl the aceoum balance free been paid in full as defined above. 7. Uafng Yav AeoasR.Vwr urd or account umot be used in canrwtiar vMh any knemet gamdirg trerwmwrm. 8. Noliw Abas ENatraso Chaok Carvr<tdorr. When yeti provide a drwk as peymrmt, you auhodxe ua tither to infomnion ham your check to make sore-tlme drxtraric fiord trensfer ham you hank arrnas or to procep the payment ss a check tramamion. Wlren we use inmmatlon from your drwk to make an rrkctroric fund trarnter, funds may be withdrawn from ywr bank ecceurt as soon as the xme day we recdve your paymrart, ant yvw will rat recdve your check beck iron your Rnaraial irutituian. BILLING RIGHTS SUMMARY Iln Cox Of Errors Or Questiarn About your Bi10 U you think your bNl b wrarg, ar if you need more iMorme[icn m a transsdian or bNl, wine to us on a separate sheet as soon as poaiae et the address for ingtshes drowrtt m the from of this nnement. Wa must hear trap you ra lerer than 80 days aher we xrrt you tfre first bill on which the error or prohlom appeared. You can cell our Qmtaxr Rdedau number, bu ddng x wig not rtrrbmutian~~. r dgma. In your lever, give ua tla fdlowirp your name and steam number, tfre ddlar rxra of the atnpectatl error, a dexdption of the anon and an explsnauon, It pmsve, of why you believe there Is an error; or if you need more information, a deacdpdm of the hem you arc urwre abrtut. You do not have to pay any amem in queatfon wfile we arc invaetigating it, but you are atlll abligaled [0 pay the parts of your bill that are na kt question. While vve invrxtigate your quesuan, we umot repon you as degrrgrrent or take any sedan m cdlect the amtgxrt you gmsdan. I,t Spedel Rde For Crest Cartl Purchases If you have a problem wiM the quality of propatty or services that you puchased wiM a treat urd and you Nve tiled in good fafM to mrrrxt the probem with the merchant, you may have the dyn trot to pay the remaining srnorrn due m the prtpertY or xrvices. Vw have Chia prmealan ardy vNan the purdax price was more then 350.(10 end tfa purchax was made in your fame state or wittin 100 miles of your mailing addrex. (II we own or operne the mar hem, or if we malletl you tla advertixment fa the Property or xrvitree, dl purchases arc revered ralNardex of emtxm or location of pun hex.) Pleax renamber to sgn all mrreaporwerae. 1' Goes rot apply m consumer ran-credd card ecrxxnts f Goes not appy m business ran-czedfz urd accouas Capital One supports inormation privacy praecrion: ax our we6ate at www.w elone.can. Capful One is a /e ally regioered xrvice mark of Caphal Om Francial Corporation. All d~tts resrrved. 0 2003 Capital Ore 01 LGLBAK t e. Draw Period. You will Mve a mMmun gram perod of 25 days wkfvxtt finance dterge on new purdmaea, new belanm vanefere, new special purchases and rrow odrer durges if you PaY Ywr tool 'New Bderxx', in acmmerae with the hnportant Notlce mr paymers below, and in time for h to be credited by your next statement cloekg date. There is ra proce period on uah atlvaraes eM apedal tremtere. In atldldm, there is rq grace pedal on any trarrumian if you do rat pay the total 'fbw balance.' b. Aaariq Fkr>twe Clurya. Trenxalons wNh am rat subject to a grace pedgd are aseeeaed finarae Burge 7 ) iron the date of the tranaaraian or 21 from the date the tramamion is promaxd to your Accanl or 31 fiom the firer ulentlar day of the wrrart billing pedad. Additionally, if you ad rat Day the 'New Balance' from tfre prevfaue Nllirg period o till, flrerrce charges cerrnrnre to accrue to your repaid balance mail the rrgeid balance is paid in fief. This memo that you may still owe firorrm charges, even if you pay the entire New Balarae kracned on the iron of your natemem by ifre rrexi anemem daring eta, IxN ad rat do so for the prrwiow momh. Unpaid fiwrae charges are added to the applluMe xgnrran of yes Atxaunt. tc. klr rkreea Frr~rw /7tvp. For eedr bphrrp period Mat your arxtam is a6ied to a finance charge, a mirimum teal FINANCE CHARGE of 30.50 nil be impoxd. If the teal fiurtce durga reNting fran the epplimtion of your penodc stele) is leq Men x0.50, we will aDtratx Mat amount from the 50.50 mintmun and tfre afference will be deed to tfre purr3rex aepnent of your xcatrr[. t d. Terryaary BeAzelen kn i'erree Oharga. We rexrve the do to rat acseas any or all finanm durgea for any given li k,g Period. 1. Avrtsga Ddy Bdaaa IkakrSSrg New lkrdrsesl. a. Fhmrrne charge Ia calvdatetl by mddplwrg tfre daily balarrm of each segment of your accarn le.q., cesh dvarae, purchex, apedel trsnater, and apedal purdax) by the mrreepoMng daily pedoac ramie) that has bear previoudy resdoxd to you. At the entl of eah day during the bilNrrg pedad, we apply Me tlaNy penoac rete mr each aegmem of your accounn m the daily balance of each segment. Then at the erw of the billing period, we add up the needle of tlrex dsNy celcdationa to endue st your pedoac finarrm charge mr xh segment. We add tq the resrats from each x ant to endue at the tm I fi rxx charge mr ywr araant. To get the daNyebalawe to each xpnern of your account, we take fire baginrang belanm mr wh xpnem and add any new traroecdara and erry padoac finerrm Barge calculated on Me previous aaya balarae mr flat aegmem. we then atbtrect any paymems or credits pored as of tMt day thn are allocated to that segmrmt. TMs gives rn the separate dally balance to each seanem of your accent. However, If you paid the New Belerrce shown an your previous netenrerrt in fief for if your mw belarce was zero or a treat amrxml, mw trenamiare which post to your purdax or spetdN purchase aegmrms are rat added to tla daily Dalancea. We ulalne Me average dally bslanm by along all the dally balances trgather and avidirrp the sun by the number of the days in tfa mrrorn MINnp cyde. To ulcdete your toml finance charge, multiplyy your average daily bdertce by [he daily pedtrac rate and by the comber of days in the bilking penotl. Due to ranarg on a tlaNy bads, there maybe a dips vedence between Mfs ralcdatim and the amrxm of finance charge aaudly asaeased. h. If the code 2 or N appears on the bran of Mia oatemem rexi ro 'Balatae Rate Appied To,' vue mdtidv the Important Notion. Paymeraa you maN to w will be created to your accorar as of the Ousrasa day we receive h, provided It) yeti sea tM bonom portion of Ilia oatemrnt arw your check in tta enclosed reminarae envelope ant (2) your paymem is recdvetl in rwr pnocessng center by 3 p.m. ET 112 noon PT). Plxx allow et lean flue f51 OrtsNresa days for pond Odivery. Payments remived by ua n any other Iwation or in any aher tom may rat be created ae of the day we rwdve tlam. Wr daanex days arc Monday Mrargh Saturday, exdrrarq Ixaideys. Pleax do not ux oapl paper dips, etc. wtren prepedng your peymem. When yam send us a drwkla), you euMOdze ms to make a as-time dectrodc tremmr aedt from your bank cmux for the amorm of the deck. TNa authodzadon applies to all drwlw receved during the bigirg cycle even if earn by xmeone fix. if we cannot procex the treaa/er, you eudadze us tc make a Barge against your bank accotm usrg the drwk, a paper drag or otMr item. VERIFICATION CAPITAL ONE BANK vs MANN, MAY The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities, that he/she is, MAISHA DAVIS, Authorized Agent, of CAPITAL ONE BANK, Plaintiff Herein, that he/she is duly authorized to make this Declaration, and that the facts set forth in the foregoing Complaint in Civil Action aze true and correct to the best of his/her knowledge, information and belief. ( // MAISHA DAVIS G Notary Pu lic 11 ~ p ~R11 Z A L. R O BE [B,5 VOTARYPUBLI I4NEXPIRES ~1~ MYCOMMISS 5178052470688702 A049 WELTMAN, WEINBERG & REIS CO., L.P.A. Law Offices of Weltman, Weinberg & Reis Co., L.P.A. 436 Seventh Avenue, Suite 2718 Pittsburgh, PA 15219 (412) 434-7955 July 10, 2007 RE: CAPITAL ONE BANK vs. MAY MANH COURT #: TO THE SHERIFF OF CUMBERLAND COUNTY: PLEASE SERVE THE DEFENDANT(S) AT THE FOLLOWING ADDRESS(ES): MAY MANH 700 NAILOR DR APT 203 CAMP HILL, PA 17011 Please confirm service by sending notice to: WELTMAN, WEINBERG & REIS CO., L.P.A. 436 Seventh Avenue, Suite 2718 Pittsburgh, PA 15219 (412) 434-7955 FAX: 412-338-7130 06010948 C N Pit SJS ~ , 17 _ ~ rn~:; i T R~ ~ C7 N ~ + t -~ -~ '?~ _ ..~ ~ r :~" '=s "` ~. -K j SHERIFF'S RETURN - NOT FOUND CASE NO: 2007-05020 P COMMONTWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND CAPITAL ONE BANK vs MANH MAY R. Thomas Kline ,Sheriff or Deputy Sheriff, who being duly sworn according to law, says, that he made a diligent search and inquiry for the within named DEFENDANT MANH MAY but was unable to locate Her in his bailiwick. He therefore returns the COMPLAINT & NOTICE the within named DEFENDANT MANH MAY NOT FOUND as to 700 NAILOR DRIVE APT 203 CAMP HILL, PA 17011 NOT KNOWN AT ADDRESS GIVEN Sheriff ' s Costs : So answers ^, ,_.-- Docket ing 18.0 0-!~''~~ Service 14.40 Not Found 5.00 R. Thomas Kline Surcharge 10.00 Sheriff of Cumberland County .00 47 .40 / ~.., 9~b~f67 00/00/0000 Sworn and Subscribed to before me this day of , A.D. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK Plaintiff vs. MAY MAN H Defendant No. 07-5020 CIVIL TERM PRAECIPE TO SETTLE, DISCONTINUE AND END WITHOUT PREJUDICE TO REFILE FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: JAMES C. WARMBRODT PA I . D #42524 WELTMAN, WEINBERG 8~ REIS CO., L.P.A. 2718 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#06010948 7 ' ~ ~ ~~ :' f, . C"~7 1' tai ~~ 7 ?~ t~'1-; t ^~ r?7 CT1 '~ ~ i ~ ~' ~ ri C7't .~.