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HomeMy WebLinkAbout05-3649 Christopher E. Rice, Esquire MARTSON DEARDORFF WILLIAMS & OTTO Attorney l.D. No. 90916 10 East High Street Carlisle, PA 17013 (717) 243-3341 Attorneys for Plaintiff : IN THE COURT OF COMMON PLEAS OF : CUMBERLAND COUNTY, PENNSYLVANIA MANISH V. MEHTA and MEGHNA M. MEHTA, Plaintiffs v. NO. 05 - 3l,,'17 CIVIL TERM JOHN D. TURNER, SR., Defendant NOTICE 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 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 Plaintiffs. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DONOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMA nON ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OPFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCE FEE OR NO FEE: Cumberland County Bar Association 32 South Bedford Street Carlisle, P A 17013 (717) 249-3166 F \FILES\DA. T AFILE\Genera\\Cllrrellt\ \ 1564, I.com Created 7/\4/054:17PM Revised: 7J!S)05 1l:45AM Christopher E. Rice, Esquire MARTSON DEARDORFF WILLIAMS & OTTO Attorney l.D. No. 90916 10 East High Street Carlisle, P A 17013 (717) 243-3341 Attorneys for Plaintiff : IN THE COURT OF COMMON PLEAS OF : CUMBERLAND COUNTY, PENNSYLVANIA MANISHV. MEHTA and MEGHNA M. MEHTA, Plaintiffs v. NO. 05 - 3(p'1'1 CIVIL TERM JOHN D. TURNER, SR., Defendant COMPLAINT 1. Plaintiffs, Manish V. Mehta and Meghna M. Mehta, are adult individuals residing at 8761 Mountain Valley Road, Fairfax Station, Virginia 22039. 2. Defendant, John D. Turner, Sf., is an adult individual residing at 650 Marpete Drive, Hampstead, Maryland 21074. 3. Defendant was the owner of the property located at 13640 Molly Pitcher Highway, Greencastle, Pennsylvania (the, "Real Property"). 4. On or about March 21,2005, Plaintiffs and Defendant executed an Agreement of Sale for the Real Property. A true and correct copy of the Agreement is attached hereto as Exhibit "A." 5. Under Paragraph 3(G) of the Agreement, Plaintiffs and Defendant agreed that the taxes would be pro rated upon the date of settlement. 6. Under Paragraph l5(A), Defendant agreed to convey the property free and clear of all liens. 7. On or about May 27, 2005, Defendant sold the Real Property to Plaintiffs by executing a Deed in Cumberland County. 8. Simultaneous with the execution of the Deed, Defendant signed a Lawyers Title Insurance Company Affidavit, which is attached hereto as Exhibit "B." 9. The Affidavit was signed by Defendant in Cumberland County, Pennsylvania. 10. By signing the Affidavit, Defendant represented in Paragraph 12 "that all taxes. . . against said premises. . . as of the date of this settlement are fully paid." II. In addition, Defendant had executed a copy of the Settlement Statement which is attached hereto as Exhibit "C". 12. According to the Settlement Statement, Defendant paid the entire 2005 countyltownship tax bill totaling $2,163.07. 13. According to the Settlement Statement, Defendant was to receive $1,291.92 as his proration for paying the 2005 county/township taxes. 14. Defendant signed the Settlement Statement confirming the accuracy ofthe Settlement Statement and of the figures set forth therein. 15. Defendant did not pay his county/township taxes for the 2005 tax year. COUNT I - Fraud 16. Paragraphs 1-15 are incorporated herein by reference. 17. Defendant represented to Plaintiffs that the 2005 countyltownship taxes were paid in full. 18. Defendant did not pay his proration of taxes from January I, 2005, through May 28, 2005. 19. Defendant knew or should have known that he was being reimbursed by the Plaintiffs for taxes that he did not pay. 20. Defendant intentionally executed the Agreement, Affidavit, and Settlement Statement agreeing to the terms therein and confirming the accuracy ofthe documents. 21. Defendant intentionally defrauded Plaintiffs by failing to pay the taxes after stating that he made said payment. 22. Defendant failed to pay his proration of taxes, being $871.15, and knowingly accepted Plaintiffs' payment of$I,291.92 for Plaintiffs' prorated share. 23. Relying on Defendant's representations, Plaintiffs paid to Defendant $1,291.92 as stated on the Settlement Statement. 24. Because of Defendant's fraud, Plaintiffs paid an additional $871.15 to cover the proration not paid for by Defendant during his ownership of the Real Property. 25. Plaintiffs have suffered a loss of$2,163.07 as the result of Defendant's fraudulent acts. 26. Plaintiffs have contacted Defendant regarding repayment of this obligation, but Defendant has failed to reimburse Plaintiffs in the amount owed. 27. As of today's date, Defendant has failed to reimburse Plaintiffs in the amount of $2,163.07. WHEREFORE, Plaintiffs demand judgment against Defendant in the amount of $2,163.07, plus interest, costs, attorney's fees and any other reliefthis Court deems appropriate. COUNT II - Breach of Contract 28. Paragraphs 1-27 are incorporated herein by reference. 29. Defendant entered into the Agreement of Sale with Plaintiffs. 30. Defendant breached the terms of the Agreement of Sale, specifically, but not limited to, Paragraph 3(G). 31. As a result of Defendant's breach, Plaintiffs incurred damages in the amount of $2,163.07. WHEREFORE, Plaintiffs demand judgment against Defendant in the amount of$2, 163.07, plus interest, costs, attorney's fees and any other relief this Court deems appropriate. COUNT III - Quantum Meruit 32. Paragraphs 1-31 are incorporated herein by reference. 33. The Defendant is liable to the Plaintiffs and/or has been unjustly enriched in the amount of$2,163.07. WHEREFORE, Plaintiffs demand judgment against Defendant in the amount of $2, 163. 07, plus interest, costs, attorney's fees and any other reliefthis Court deems appropriate. MARTSON DEARDORFF WILLIAMS & OTTO By: CL/~ ? ~ Christopher E. Rice, Esquire Attorneyl.D. No. 90916 10 East High Street Carlisle, PA 17013 (717) 243-3341 Date: 1~ /$- ~'J R~ DatelTime MAR-24-200S(THU) 14: 14 M:jR-24-2DD5 THU 03: l' ryM ND AUTO INSURANCE ~AR-a4..,lJa5L r. .~~ .\;.<;; ,~ ~. \ /}! lrD t ~/\l;V "'0XEl(~ . 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'" '" MAlllo;- ... m PhClac fa FAX" s.MaiJ. . >PI '" m '" WlTNl!SSlATlUT SILLEIt DATa n, In SEUJiRi$)N.\Mll SSlrU m ... M.jjjq.l\ddrtoo ... Rx DatelT i me MAR-2h?OD5 (THU) 14: 14 . MAR-24-2005 THU 03:'^ PM MD AUTO INSURANCE MHX-CO-CUU'IIHU; 11:3. Ronnie HHtln Realt~ ADDENDUMlENDORSEMENT TO AGREEMENT OF SALE 4102598342 FAY '. 4102688342 (FAX)717 762 3900 P OOi p, 07 P.007l007 ASA-L l'JtoJ'EJtn" . SELLER JJV1'ER l>ATE OF AGREEMENT , . . ,. i , '-1h r S ~ ~V(t.('rIt.~ ~c,,^\d 'oe. CO''\-\hee^~ U~Of\'.- 'lJ "l"'~e. ~(\c\ bfj":),a~ tv-..\)\v"O""trJed 1'S.~~e.;~ clv.v.. t:-o ~ e.GCA'~\.t."'Ce> O~ ~ I:J.S ~\-Cl.'b~r'\ .li '5 W.~ ~ if "( c \.A \'ela..~, Iou.. '0 ~ y-',:> ~ ~ (!.( "'-~ QO\<;:,\ CSi ~t~ .hi~t~('1 of u i~'\.cJ-)~- ~. ~W fA t~ 91c~ek ~ '~~blY\ ~~ OI"\~ '9t.-fcrl'l- rsr 'DcUA"""WcJ'\'~,", ~ ~L{\,red b':J ~~ ~ {y~~ ~~cS. . 'I:p. ~o c::::.~\ \,,\ e r ill tsV~' t,=, "Sf' e e.~ ~ LDCl '" ~ ~ p\ i c..0i ~-". , ] 5UJ.~ b CP'l'OV\'ctL L-O~ \(\(~\- '2.. v..~y:~ o:f '% I.t~i"ess. I!JQ py 'O.~ I-J ~ct.u-( r\ ~ t.. ~ ~l~'n~ ltOl~e ~ . ~. lb~ ~ N tot~ 0. ~tY'fAJ' \ (\"C>t' ec..h 0'"\ Ot Co (\\. -SCAU ~ \ ti~. ~. oJ. ~u.,~~ -( '. ~~,"" 1\..1 t3l~I~\ [x.ptV"~e _ All OIl"", ....1llS ",,4 ""ndi.ion. or lhe AgJWlDCQI of Sale n:main unclll"',god IlIId In Nil 10"'" lllld .{r",,~ WlTNESS BUYER ....)!'I t4-....... t<"~. DA:rJ!: '3 11.., '6 WlTNE8S BUYER~~~ j)A'l'E'O~""2.-\-O~ WlTNE8S BUYER. - . Dh'rS WITNESS SlU.~M.,p:= DA1'e , WlTl'fflSS SEL A ~~:::::: .2., ~ DA.n: 3h f" () <" WITNESS SltLl.JlR _ _ ~ _ _ OATIl: ( . ' cot'V1OlGtIT PlNNsTLVAI'!LUSSOCIATlON OF~_.... .", "" .enllSylvania Auodatlon of I'" "=AITnr;l~ 1 LA WYERS TITLE INSURANCE CORPORATION COMMONWEALTH OF PENNSYLVANIA Re: Case # 11564.1 COUNTY OF CUMBERLAND 13640 Molly Pitcher Highway Greencastle, PAl 7225 ON THE<~) I ~DA Y OF MAY, 2005, before me, the undersigned officer, personally appeared the undersigned, who being duly sworn according to law and intending to be legally bound, depose( s) and say( s): Premises: 1. That the Grantors herein is the owners of premises being insured hereunder and the same person as the grantees in Deed Book 1407,Page 626. 2. That there are no mortgages, encumbrances, easements, bankruptcies, judgments or pending suits adversely affecting the owner and the said premises which are known to the undersigned which are not being properly provided for in this transaction. 3. That there have been no repairs, additions or improvements made, ordered or contracted to be made on or to the premises, nor are there any appliances or fixtures attached to said premises which have not been paid for in full; and that there are no outstanding or disputed claims for any such work or item. 4. That there has been no work done, or notice received that work is to be done, by the Municipality (City, Borough or Township), or at its direction, in connection with the installation of sewer or water or for improvements such as paving or repaving of streets or alleys, or the installation of curbs or sidewalks. 5. That no notice has been served by any governmental authority for the removal or abatement of any nuisance, for the violation of any Zoning Regulation or concerning the condemnation of any portion of said premises. 6. That there has been no violation of any restrictions affecting the premises. 7. That there are no purchase money obligations being created in this transfer. 8. That the Grantors are in actual possession of the entire premises, and that there are no leases or agreements affecting the premises or any part thereof outstanding, other than those that are presently being assigned. 9. That the present transaction is not made for the purpose of hindering, delaying or defrauding any creditors of said owner and does not come within the provisions of the Bankruptcy or Insolvency Acts (or any amendments thereof). 10. That the said Grantors, if husband and wife, have never divorced from each other. I I. That the said Grantors in this transaction are of full legal age and in every respect competent to conveyor encumber the title to the premises in question. 12. That all taxes, sewer and water rents assessed against said premises or indicated by the last official, billed meter reading as of the date of this settlement are fully paid. 13. That the grantor, if conveying without the joinder of his /her spouse: (a) knows of no pending divorce proceeding and (b) is conveying for a full and adequate consideration. 14. That there have been no alterations, modifications or changes in the building or buildings and there is no dispute with adjoining property owners as to the location oflot lines. Individual Seller Affidavi t 15. That the Grantor has not received a notice of a claim of lien from any real estate broker claiming a right to a lien in accordance with Act 34 of 1998. 16. That there are no arrearages of a child support order entered in a Domestic Relations matter pursuant to Act 58 of 1997 or any other state statute in this jurisdiction or any other. ********** This affidavit is made for the purpose of inducing to hold settlement of the above premises, and to issue its title insurance policy, insuring the title thereto and deponent(s) swear(s) and aver(s) the foregoing statements are true and correct to the best of his /her knowledge and belief SWORN TO AND SUBSCRIBED before me this -;/7 'y<- day of " IT! '" >- , 2 iT - 7/' U 0._ (';Cki(L"i (im Notary Public NOT ARIAl sm VICTORIA L OTTO, NOTARY PUBLIC CARLISLE BORO., ClIMBERlAYD COUNTY MY COMMISSION EXPIRES DtC. 2 2006 >Ji. ( My Commission Expires Individual Seller Affidavit -~---------- ..---- ~ j . "::..n...",-v~v... .. , . B. TYPE OF LOAN: A. 1-DFHA 2-DFmHA 3.129CONV. UNINS. 4. OVA 5. oCONV. INS. U.S. DEPARTMENT OF HOUSING & URBAN DEVELOPMENT 6 ~~~~;'V~~~~~ I 7 ~~~1~ ~"~~BER: SETTLEMENT STATEMENT 8. MORTGAGE INS CASE NUMBER: C. NOTE: This fDrm is furnished tD give YDU a statement of actual settlement CDstS. AmDunts paid to and by the settlement agent are shown. Items marked "(POC)" were paid outside the closing; they are shown here forinformationaJ purpDses and are not included in the totals. 1.0 3/98 (11564.1.MEHTAPFDf11564.1.MEHTA/27) D. NAME AND ADDRESS OF BORROWER: E. NAME AND ADDRESS OF SELLER: F. NAME AND ADDRESS OF LENDER: Manish V. Mehta and John D. Turner, Sr. Adams County National Bank Meghna M. Mehta 675 Old Harrisburg Road, PO Box 3129 8761 Mountain Valley Road Gettysburg, PA 17325 Fairfax Station, VA 22039 G. PROPERTY LOCATION: H. SETTLEMENT AGENT: I. SETTLEMENT DATE: 13640 Molly Pitcher Highway Martson Deardorlf Williams & Otto Greencastle, PA 17225 May 27. 2005 Franklin County, Pennsylvania PLACE OF SETTLEMENT 10 East High Street Carlisle. PA 17013 J. SUMMARY OF ORROWER' TRANSACTION K. SUMMARY OF BE LER' TRANSACTION 101. Contract Sales Price 915,000.00 401. Contract Sales Price 915,000.00 102. PersDnal Prooertv 4,964.01 402. Personal Prooertv 4,964.01 ,103. Settlement Charnes to Borrower {Line MODI 17,705.25 403. 104. 404. 105. 405. 106. CountvrTwD. Taxes OS/28/05 to 01/01/06 1,291.92 406. CounhdTlNn. Taxes OS/28/05 to 01/01106 1291.92 107. School Taxes OS/28/05 to 07/01/05 693.48 407. School Taxes OS/28/05 to 07/01/05 693.48 108. Assessments to 406. Assessments to 109. 409. 110. 410. 111. 411. 112. 412. 120. GROSS AMOUNT DUE FROM BORROWER 939,654.66 420. GROSS AMOUNT DUE TO SELLER 921,949.41 !DO. AMOUNTS PAID BY OR IN BEHALF OF BORROWER: 500. REDUCTIONS IN AMOUNT DUE TO SELLER: Wl. Oeoosit or earnest money 5,000.00 501. Excess Denosit (See Instructions) !02. Princioal Amount of New Loan(s\ 732,000.00 502. Settlement Charoes to Seller (Line 1400l 58,088.00 !03. Existing 10an(sHaken subject to 503. Exjstinn loan(s) taken subiect to ~04. Referral Fee 9,150.00 504. Payoff of first MDrtgage to Westminter Union Bank! 260,919.43 '05. 505. Payoff of second Mortaaoe to Westminter Union Bank 80.184.89 06. 506. 07. 507. lDenosit disb. as DrDceeds) 08. 508. 09. 509. Adjustments or I ems n aid eller Ad us ments or Items n ai elier 10. CountvlTwp. Taxes to 510. Cou~rTwn. Taxes to 11. School Taxes to 511. School Taxes to 12. Assessments to 512. Assessments to 13. OS/27/05 to 06/01/05 645.16 513. OS/27/05 to 06/01105 645.16 14. 614. 15. 515. 16. 516. 7. 517. 8. 518. 9. 519. O. TOTAL PAID BY/FOR BORROWER 746.795.16 520. TOTAL REDUCTION AMOUNT DUE SELLER 399.837.48 O. CASH AT SETTLEMENT FROMrrO BORROWER: 600, CASH AT S TTLEMENT TOIFROM SELLER: 1. Gross Amount Due From BDrrower (Line 120 939,654.66 601. Gross Amount Due To Seller (Une 420) 921,949.41 2. Less Amount Paid By/For Borrower (Une 220) ( 746.795.16) 602. Less Reductions Due Seffer (Une 520) ( 399.837.48 3. CASH ( X FROM) ( TO) BORROWER 192,859.50 603. CASH ( X TO) ( FROM) SELLER 522.111.93 he undersigned hereby acknowledge rec~ipt Df a completed copy of pages 1&2 of this statement & a~ attachm~rred tD herein. ~-( Borrower IV1 f /h )0 ,( " \ \., . '\/ .' Seller . ~ :.... tCe '..1..4:.""....-, Manish V. Meh~ .Jt n D. Turner'; Be. ( . OMfjNV t\A... -._.<, Meghna W Mehta ....... '- -.oj J,.<:.:::-- ." HUD-j (3~861 RESPA. HB43052 L SETTLEMENT CHARGES TOO. TOTAL COMMISSION ".sed on Price .- Q1< nnn.nn rm <.nnnn '/_ 4< 7'in.nn PArD FROM PAID FROM Division of Commission/line 7001 as Follows: BORROWER'S SELLER'S 701. $ 22,875.00 to Ronnie Martin Realty FVNOSAT FUNDS AT '702. $ 22.875.00 to REIMAX Realty Agency SETILEMENT SETTLEMENT 703. Commission Paid at Settlement 45,750.00 704. to ono.'T9VIS P-.y-.iiii"-'N ..nN"'ECTlnN WITH LOAN 801. Loan Orinjnation Fee 0.5000 % to AdamsCountV-NationalBank 3,660,00 802. Loan Discount % to 803. Appraisal Fee to Adams County National Bank $2650.00 POC 804. Commitment Fee to Adams County National Bank $350.00 POC a05. Flood Search Fee to Adams County National Bank 15.00 806. Over Nlnhl Fee to Adams County National Bank 12.75 807. Salary to Mflfie Woods 880,00 808. 809. 810. 811. 9<'0~ ~ BY LEJiii'i'i'TO"""'- PAID IN AnVANC" 901, Interest From OS/27/05 to 06/01/05 @ $ /day ( 5 days %) 902. Mortnane Insurance Premium for months to 903. Hazard Insurance Premium for 1.0 "ears to 904. 905. "'000: R VEii ,,"-POSITE" WITH LEND"'" 1001. Hazard Insurance months $ --;:;r month 1002. Mortnane Insurance months $ ner month 1003. Count\ln-wn. Taxes months $ per month 1004. School Taxes months $ ner month 1005. Assessments months @ $ per month 1006. months -"" $ -Der month 1007. months @ $ per month 1008. months "" $ Mer month 1'00. TI~ S 1101. Settlement or Closinn Fee to 1102. Abstract or Title Search to 1103. Title Examination to 1104. Title Insurance Binder to 1105. Document prnration to 1106. No~Fees to 1107. Attorney's Fees to Cumberland Valley Settlement Services 1,700.00 includes abovt;1 item numbers: 1108. Title Insurance to Lawvers Title Insurance Comnanv 4415.00 {includes above item numbers: I 1109. Lender's Coverage $ 732,000.00 1110. Owner's Coverage $ 915,000.00 1111. Endorsements 100/300/700/900 to Lawyers Title Insurance Company 200.00 1112. 1113. 1?no~ "n""flN T Ri'CORnlNG AN"TRANS"~" CHA""ES 1201. Recording Fees: Deed $ 41.50; Mortgage $ 65.50; Releases $ 107.00 1202. Cit.4Counlv Tax/Starn".: Deed 9.150.00' Moriaaa. 9,150.00 1203. State Tax/Stamns; Revenue Stamns 9,150.00; Mortoaae 9,150.00 1204. PA UCC to Franklin Countv Recorder of Deeds 100.00 1205. Assignment of Rents ta Franklin County Recorder of Deeds 30.50 0'00. AOi>'i""NAL TC S :301. Survev- ta 302. Pest Insoection 10 303. Tax Bill Fee to pegnv Dickson 01-0A27-012-000000 2.00 304. Over Nlnht Fee to Martson, Deardorff, Williams & Otto 15.00 6.00 305. Final Water and Sewer to Antrim Township Sewer Bill 1454 & 1589 600.00 400. TOTAL SETTLEMENT CHARGES (Enter on Lines 103, Section J and 502, Section K) 17,705.25 58,088.00 By signing page 1 of thIS statement, the slgnatones acknowledge receIpt of a completed copy of page 2 of thIS two page statement. /;1 .. / ~-fC-/'7'C ? /Z._ Certified to be a true copy. Martson Deardorff Williams & Otto Settlement Agent (11564.1,MEHTAf115B4, I,MEHTA) 27 > VERIFICATION Christopher E. Rice, Esquire, of the firm of MARTSON DEARDORFF WILLIAMS & OTTO, attorneys for Plaintiffs in the within action, certifies that the statements made in the foregoing Company are true and correct to the best of his knowledge, information and belief. He understands that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. (2t~'b ) (L- Christopher E. Rice '~ b c;:- --C. c;;-- -f::. * ~ '-", Y1 :u:: ~ -- '!\ ~ Sl". ~ 'Q ~ e. - " ;:- ~ 8 "'> ,,::":":) ,..;:) (;..,--1 o ,., ---1 :1:-r rl'",J , rt1 (,') '."? "T-\ "lj (jrn ., 'D .-< c_ C~ r-- 0:) --0 ;::- FIFlLES\DAT AFILE\Generat\Current\1 \ 5541pra Created 7114/05417PM Revised 'I1I21059'2DAM Christopher E. Rice, Esquire MARTS ON DEARDORFF WILLIAMS & OTTO Attorney I.D. No. 90916 10 East High Street Carlisle, PA 17013 (717) 243-3341 Attorneys for Plaintiff MANISH V. MEHTA and MEGHNA M. MEHTA, Plaintiffs : IN THE COURT OF COMMON PLEAS OF : CUMBERLAND COUNTY, PENNSYLVANIA v. NO. 05 - 3649 CIVIL TERM JOHN D. TURNER, SR., Defendant PRAECIPE To the Prothonotary: Please mark the above captioned action settled and discontinued without prejudice. MARTS ON DEARDORFF WILLIAMS & OTTO By: CL ~ <> I?--- Christopher E. Rice, Esquire Attorney I.D. No. 90916 10 East High Street Carlisle, PA 17013 (717) 243-3341 Date: September 12, 2005 CERTIFICATE OF SERVICE I, Mary M. Price, an authorized agent of MARTS ON DEARDORFF WILLIAMS & OTTO, hereby certify that a copy of the foregoing Praecipe to settle and discontinue was served this date by depositing same in the Post Office at Carlisle, P A, first class mail, postage prepaid, addressed as follows: John D. Turner, Sr. 650 Marpete Drive Hampstead, MD 21074 MARTS ON DEARDORFF WILLIAMS & OTTO '- ~ By t< CC Mary Price Ten E t High Street Carlisle, P A 17013 (717) 243-3341 Dated: September 12, 2005 (", '" C:::.) C:"::! ~ o ~n .--1 *"':D P'r ('1"; c; (/) r-"1 u r'J co.) ~:-: -;:::-; . :~ (', " _; r~{i ~~~ (':) ~!_:..~~ '-.J :;~