A message from Paul Campos
Thursday, July 21, 2011 -
Article by:
Paul Campos - Instant Capital -
A Message From Paul Campos<meta http-equiv="Content-Language" content="en-us"><meta http-equiv="Content-Type" content="text/html; charset=windows-1252"><body style="margin-left: 40"><div align="left"><div align="left"><p align="left"><table cellpadding="0" cellspacing="0" style="width: 634px; height: 50px"><td style="height: 25px; font-family: Verdana; font-size: 14pt"> </td><td style="text-align: center"><p style="margin-top: 0; margin-bottom: 0; font-family: Verdana; font-size: 8pt;"><span style="font-family: Verdana"><font size="1">To ensure you receive this newsletter each month,</font></span>
<p style="margin-top: 0; margin-bottom: 0; font-family: Verdana; font-size: 8pt;"><span style="font-family: Verdana"><font size="1">please add </font><font size="1">[email protected]</font><font size="1"> to your address book. </font></span></p></td></table><table cellpadding="0" cellspacing="0" style="width: 634px; height: 25px"><td style="height: 25px; font-family: Verdana; font-size: 14pt"> </td></table><table cellpadding="0" cellspacing="0" style="width: 634px; height: 110px; border-collapse: collapse;"><td style="width: 29; height: 10; background-color: #000000"> </td><td style="width: 29; height: 10; background-color: #000000"> </td><td style="width: 29; height: 10; background-color: #000000"> </td><td style="width: 29; height: 10; background-color: #000000"> </td><td rowspan="2" style="width: 370; height: 100; background-color: #A51F26;text-align : center; font-family: Verdana; font-size: 14pt; color: #FFF0E5; border: 1px solid #000000; "><p style="margin-top: 0px; margin-bottom: 0px; font-size: 14pt; color: #FFFFFF;"><span style="font-family: 'Tahoma'">Home Loans, Made Easy</span></p><p style="font-size: 4pt; margin-top: 0px; margin-bottom: 0px"> </p><p style="margin-top: 0px; margin-bottom: 0px; color: #FFFFFF;"><span style="font-size: 36pt; font-family: 'New Century Schoolbook'">Paul Campos</span></p></td><td style="width: 29; height: 10; background-color: #000000"> </td><td style="width: 29px; height: 90px; font-family: Verdana; font-size: 12pt; text-align: left;"></td><td style="width: 232px; height: 90px; text-align: center"><p style="margin-top: 0; margin-bottom: 0; font-family: 'Tahoma'; font-size: 18pt;">JULY</p><p style="margin-top: 0; margin-bottom: 0; font-family: 'Tahoma'; font-size: 18pt;">2011</p></td></table><table cellpadding="0" cellspacing="0" style="width: 634px; height: 15px"> </table><table cellpadding="0" cellspacing="0" style="width: 634px; border-collapse: collapse;"><td style="width: 29px"> </td><td style="border: 2px solid #000000; width: 158px; text-align: center; font-family: Verdana;"><img alt="x" height="201" src="http://www.leftfieldmedia.net/Paul-Campos/0%20Graphics/Head%20Shot.jpg" style="border-width: 0px" width="158"></td><td style="text-align: center"><p style="margin-top: 0px; margin-bottom: 0px"><img alt="X" height="66" src="http://www.leftfieldmedia.net/Paul-Campos/0%20Graphics/new_icf_logo.jpg" style="border-width: 0px" width="190"> </p><p style="margin-top: 0px; margin-bottom: 0px; font-family: Verdana; font-size: 6pt;"> </p><p style="margin-top: 0px; margin-bottom: 0px"><span style="font-family: Verdana; font-size: 14pt; ">888-643-0064</span></p><p style="margin-top: 0px; margin-bottom: 0px"><span style="font-family: Verdana; font-size: 14pt; ">ext. 2221</span></p><p style="font-family: Verdana; font-size: 5pt; margin-top: 0px; margin-bottom: 0px"> </p><p style="margin-top: 0px; margin-bottom: 0px"><font style="font-family: Verdana"><span style="font-weight: bold; font-size: 9pt">[email protected]</span></font></p><p style="margin-top: 0px; margin-bottom: 0px"><font style="font-family: Verdana"><span style="font-weight: bold; font-size: 9pt">www.MyInstantCapital.com</span></font></p></td><td style="border: 2px solid #000000; text-align: center; padding-left: 4px; padding-right: 4px; width: 168px;"><p style="margin-top: 0px; margin-bottom: 0px; font-family: Verdana; font-size: 12pt;">Inside This Issue:</p><p style="margin-top: 0px; margin-bottom: 0px; font-family: Verdana; font-size: 8.5pt;"> </p><p style="margin-top: 0px; margin-bottom: 0px; font-family: Verdana; font-size: 9.5pt;">* The persisting "bad market" myth.</p><p style="margin-top: 0px; margin-bottom: 0px; font-family: Verdana; font-size: 7.5pt;"> </p><p style="margin-top: 0px; margin-bottom: 0px; font-family: Verdana; font-size: 9.5pt;">* Don't close your unused credit cards.</p><p style="margin-top: 0px; margin-bottom: 0px; font-family: Verdana; font-size: 7.5pt;"> </p><p style="margin-top: 0px; margin-bottom: 0px; font-family: Verdana; font-size: 9.5pt;">* Question of the Month: Getting a loan if you're self-employed.</p></td><td style="width: 29px"> </td></table><table cellpadding="0" cellspacing="0" style="width: 634px; height: 25px"><td style="height: 25px; font-family: Verdana; font-size: 14pt"> </td></table><table cellpadding="0" style="width: 634px; border-collapse: collapse;"><td style="width: 242px; background-color: #000000; text-align: center;" colspan="3"> </td><td style="width: 361px; background-color: #000000; text-align: center;" colspan="2"> </td><td style="width: 29px; background-color: #000000;"> </td><td style="width: 242px; background-color: #000000; text-align: center;" colspan="3"> </td><td rowspan="2" style="border: 1px solid #000000; width: 361; background-color: #A51F26; text-align: center; font-family: Verdana; font-size: 14pt; color: #FFF0E5; " colspan="2"><p style="margin-top: 0px; margin-bottom: 0px; font-size: 23pt; font-weight: 700; font-family: Tahoma; color: #FFFFFF;">The Myth of the Bad Real Estate Market</p></td><td style="width: 29px; background-color: #000000; "> </td><td style="width: 242px; font-family: Verdana; font-size: 48pt;" colspan="3"> </td><td style="width: 29px; text-align: center"> </td><td style="width: 634px; height: 3px; font-family: Verdana; font-size: 3pt;" colspan="6"> </td><td style="width: 29px; height: 558px; font-family: Verdana; font-size: medium;" rowspan="3"> </td><td style="border: 2px solid #000000; width: 196px; height: 285px; font-family: Verdana; font-size: medium; text-align: center; padding-left: 4px; padding-right: 4px;"><p style="font-family: Verdana; font-size: 12pt; margin-top: 0px; margin-bottom: 0px;">* We Offer Free</p><p style="font-family: Verdana; font-size: 12pt; margin-top: 0px; margin-bottom: 0px;">Pre-Approvals</p><p style="font-family: Verdana; font-size: 12pt; margin-top: 0px; margin-bottom: 0px; padding-left: 4px; padding-right: 4px;"> </p><p style="font-family: Verdana; font-size: 12pt; margin-top: 0px; margin-bottom: 0px;">* We Guarantee to Beat Any Competitor's Offer</p><p style="font-family: Verdana; font-size: 12pt; margin-top: 0px; margin-bottom: 0px; padding-left: 4px; padding-right: 4px;"> </p><p style="font-family: Verdana; font-size: 12pt; margin-top: 0px; margin-bottom: 0px;">* Purchase, Refinance and ReverseMortgage Lending</p><p style="font-family: Verdana; font-size: 12pt; margin-top: 0px; margin-bottom: 0px; padding-left: 4px; padding-right: 4px;"> </p><p style="font-family: Verdana; font-size: 12pt; margin-top: 0px; margin-bottom: 0px;">* Ask About Down Payment Assistance Programs</p></td><td style="width: 13px; height: 558px; font-family: Verdana; font-size: medium;" rowspan="3"> </td><td style="width: 361px; height: 558px; font-family: Verdana; font-size: medium; text-align: justify;" rowspan="3"><p style="text-align: justify; text-indent: 20px; margin-top: 0px; margin-bottom: 0px; font-family: Verdana; font-size: 9.5pt;">Where are all of the buyers?</p><p style="text-align: justify; text-indent: 20px; margin-top: 0px; margin-bottom: 0px; font-family: Verdana; font-size: 9.5pt;">In many regional markets--even in markets that haven't seen prices depreciate or foreclosures increase in the past couple of years--potential buyers have been hesitant to jump into the market and seem to be playing the waiting game. Although economic conditions have contributed to the lack of buyers, that's only a small part of it.</p><p style="text-align: justify; text-indent: 20px; margin-top: 0px; margin-bottom: 0px; font-family: Verdana; font-size: 9.5pt;">One clue to where all of the buyers are has to do with the perception that the entire housing market is in the tank. In truth, it's not. Market conditions favor buyers right now and homeownership is certainly within reach for many people who want it. In other words, it's a buyer's market, not a bad market.</p><p style="text-align: justify; text-indent: 20px; margin-top: 0px; margin-bottom: 0px; font-family: Verdana; font-size: 9.5pt;">Where did this "bad market" myth come from? Much of it comes from the media, which has been focusing on the negative aspects of real estate: falling prices, a slowdown in building and the rise in foreclosures. But how much have we heard about regional markets that continue to be stable? Or homes that continue to increase in value in many areas? Or how average mortgage costs are actually below rental prices in some areas?</p><p style="text-align: justify; text-indent: 20px; margin-top: 0px; margin-bottom: 0px; font-family: Verdana; font-size: 9.5pt;">Of course, all real estate is local and market conditions vary. However, one aspect of the current market that favors buyers across all markets is the near-record interest rates. This is a major reason why it's a buyer's market. Although interest rates are slightly different in different areas of the country--and, obviously, are different from lender to lender--a buyer with good credit can definitely secure a mortgage with a much lower rate than we've seen in recent years.</p><p style="text-align: justify; text-indent: 20px; margin-top: 0px; margin-bottom: 0px; font-family: Verdana; font-size: 9.5pt;">If you want the best information on market conditions, talk to your real estate agent. Their knowledge of current conditions and their ability to gauge future trends can help dispel any myths.</p></td><td style="width: 29px; height: 558px; font-family: Verdana; font-size: 3pt;" colspan="2" rowspan="3"> </td><td style="width: 196px; height: 20px; font-family: Verdana; font-size: medium; text-align: center; padding-left: 4px; padding-right: 4px;"> </td><td style="border: 2px solid #000000; width: 196px; height: 245px; font-family: Verdana; font-size: medium; text-align: center; padding-left: 4px; padding-right: 4px;"><p style="font-family: Verdana; font-size: 14pt; font-weight: 700; text-align: center; margin-top: 0px; margin-bottom: 0px">A Message</p><p style="font-family: Verdana; font-size: 14pt; font-weight: 700; text-align: center; margin-top: 0px; margin-bottom: 0px">From Paul</p><p style="font-family: Verdana; font-size: 9pt; font-weight: 700; text-align: center; margin-top: 0px; margin-bottom: 0px"> </p><p style="font-family: Verdana; font-size: 10.5pt; text-align: justify; margin-top: 0px; margin-bottom: 0px">I hope that you find this newsletter helpful and informative. Feel free to call me anytime with any questions you may have. I look forward to helping you with all of your mortgage needs!</p><p style="font-family: Verdana; font-size: 9pt; text-align: center; margin-top: 0px; margin-bottom: 0px"> </p><p style="font-family: Verdana; font-size: 14pt; text-align: center; margin-top: 0px; margin-bottom: 0px; font-weight: 700;"> -- Paul</p></td></table><table cellpadding="0" cellspacing="0" style="width: 634px; height: 25px"><td style="height: 25px; font-family: Verdana; font-size: 14pt"> </td></table><table cellpadding="0" cellspacing="0" style="width: 634px; height: 100px; border-collapse: collapse;"><td style="width: 29px; background-color: #000000; height: 10; "> </td><td style="width: 578px; background-color: #000000; height: 10; "> </td><td style="width: 29px; background-color: #000000; height: 10; "> </td><td style="width: 29px;background-color: #000000; height: 10; "> </td><td rowspan="2" style="width: 580; background-color: #A51F26; height: 90; text-align: center; font-family: Verdana; font-size: 14pt; color: #FFF0E5; border: 1px solid #000000; padding: 1px 4px; "><p style="margin-top: 0px; margin-bottom: 0px; font-size: 23pt; font-weight: 700; font-family: Tahoma; color: #FFFFFF;">Why You Should Never Close</p><p style="margin-top: 0px; margin-bottom: 0px; font-size: 23pt; font-weight: 700; font-family: Tahoma; color: #FFFFFF;">Your Unused Credit Card Accounts</p></td><td style="width: 29px;background-color: #000000; height: 10; "> </td><td style="width: 29px; height: 80px; font-family: Verdana; font-size: 48pt"> </td><td style="width: 29px; height: 80px; text-align: center"> </td></table><table cellpadding="0" cellspacing="0" style="width: 634px; height: 3px"><td style="font-family: Verdana; font-size: 3pt"> </td></table><table cellpadding="0" cellspacing="0" style="width: 634px"><td style="width: 29px"> </td><p style="text-align: justify; text-indent: 20px; margin-top: 0px; margin-bottom: 0px; font-family: Verdana; font-size: 9.5pt;">If you're like many debt-conscious Americans, keeping a close eye on your outstanding credit card balances and trying to pay off all of that debt is a never-ending battle. However, you shouldn't take it to the extreme by closing your unused credit cards because closing zero-balance credit card accounts can be detrimental to your credit score.</p><p style="text-align: justify; text-indent: 20px; margin-top: 0px; margin-bottom: 0px; font-family: Verdana; font-size: 9.5pt;">Closing credit card accounts--whether they're bank-issued, department store or oil company cards--can hurt your credit score in a couple of different ways. More than likely, the biggest hit will be to your ratio of credit used to credit available (often referred to on your credit report as "amounts owed"). Since this ratio is 30 percent of your total score, you'll want to keep your credit used/credit available ratio as low as possible.</p><p style="text-align: justify; text-indent: 20px; margin-top: 0px; margin-bottom: 0px; font-family: Verdana; font-size: 9.5pt;">For example, if you have four credit cards with a total combined limit of $8,000 and your total combined balance between those four cards is $2,800, your balance/limit ratio is 35 percent. If you decide to close one of those credit card accounts--let's say one that has a $1,500 credit limit--your ratio will jump to a less-appealing 43 percent.</p><p style="text-align: justify; text-indent: 20px; margin-top: 0px; margin-bottom: 0px; font-family: Verdana; font-size: 9.5pt;">The "age" of your credit is also important in determining credit scores and closing a long-standing account could lower your score. Generally, older credit is better than newer credit as older credit is a better indicator of how a borrower is able to handle credit going forward.</p><p style="text-align: justify; text-indent: 20px; margin-top: 0px; margin-bottom: 0px; font-family: Verdana; font-size: 9.5pt;">Also, if you have a credit card that you've had for a long time and you have a good credit history with that card, you'll want to keep that card active--even if it has a zero balance. As long as it's an open account, your good credit history with that card will continue to show up on your credit report. If you close that account, it won't disappear right away, but it will fall off your report in 10 years.</p><p style="text-align: justify; text-indent: 20px; margin-top: 0px; margin-bottom: 0px; font-family: Verdana; font-size: 9.5pt;">So is there ever a good reason to close a zero-balance credit card? Of course there is. If you're the victim of identity theft, closing an account is obviously a no-brainer. Or, if you have great credit already and your credit score is in the upper echelon of credit scores, closing a credit card may not have much of an effect on your score.</p><p style="text-align: justify; text-indent: 20px; margin-top: 0px; margin-bottom: 0px; font-family: Verdana; font-size: 9.5pt;">However, those are rare instances and many other reasons aren't quite as valid. Did the interest rate go up? It shouldn't matter if you're not using that credit card. Are you sick of paying an annual fee? Call your credit card company and see if they will reduce or eliminate that fee. Are you trying to simplify your life? That may be a good reason, but it could complicate your life later on when you simply have to have a good credit score.</p><td style="width: 29px"> </td></table><table cellpadding="0" cellspacing="0" style="width: 634px; height: 25px"><td style="height: 25px; font-family: Verdana; font-size: 14pt"> </td></table><table cellpadding="0" cellspacing="0" style="width: 634px; height: 65px; border-collapse: collapse;"><td style="width: 29px; background-color: #000000; height: 10; "> </td><td style="width: 578px; background-color: #000000; height: 10; "> </td><td style="width: 29px; background-color: #000000; height: 10; "> </td><td style="width: 29px; background-color: #000000; height: 10; "> </td><td rowspan="2" style="width: 580; background-color: #A51F26; height: 55; text-align: center; font-family: Verdana; font-size: 14pt; color: #FFF0E5; border: 1px solid #000000; padding: 1px 4px; "><p style="margin-top: 0px; margin-bottom: 0px; font-size: 23pt; font-weight: 700; font-family: Tahoma; color: #FFFFFF;">July's Question of the Month</p></td><td style="width: 29px; background-color: #000000; height: 10; "> </td><td style="width: 29px; height: 45px; font-family: Verdana; font-size: 26pt"> </td><td style="width: 29px; height: 45px; text-align: center"> </td></table><table cellpadding="0" cellspacing="0" style="width: 634px; height: 3px"><td style="font-family: Verdana; font-size: 3pt"> </td></table><table cellpadding="0" cellspacing="0" style="width: 634px"><td style="width: 29px"> </td><p style="text-align: justify; margin-top: 0px; margin-bottom: 0px; font-family: Verdana; font-size: 10.5pt; font-weight: 700;">"I'M SELF-EMPLOYED AND I WANT TO BUY A HOME. WHAT ARE MY OPTIONS IN TERMS OF GETTING A MORTGAGE? IS IT MORE DIFFICULT THAN IF I WAS EMPLOYED THROUGH A COMPANY?"</p><p style="text-align: justify; margin-top: 0px; margin-bottom: 0px; font-family: Verdana; font-size: 3pt; font-weight: 700;"> </p><p style="text-align: justify; margin-top: 0px; margin-bottom: 0px; font-family: Verdana; font-size: 9.5pt; text-indent: 20px;"><font face="Verdana" style="font-size: 9.5pt">Just like someone who is employed by a company, you will need to show proof of steady income from your self-employment. As a rule,most lenders want to see two or three years' worth of tax returns from a self-employed applicant. Also, most lenders will require other paperwork, such as profit and loss statements, expense reports, business account statements, etc. that have been completed by a certified public accountant. Although mortgages for self-employed individuals are certainly available, it may be difficult to secure such a mortgage if your business hasn't been successful for an extended period of time (for at least two to three years). Since lenders are looking for steady income and a positive future earnings potential, a fledgling small business or home business may not be enough for you to qualify for a mortgage. Even if you do qualify, however, be forewarned that your interest rate is likely to be somewhat higher than a conventional loan and you may need a larger down payment. As with any loan, the key to getting a fair deal on a self-employment loan is to pay down your debt, build up cash reserves and have good credit.</font></p><td style="width: 29px"> </td></table><table cellpadding="0" cellspacing="0" style="width: 634px; height: 25px"><td style="height: 25px; font-family: Verdana; font-size: 14pt"> </td></table><table cellpadding="0" cellspacing="0" style="width: 634px; height: 160px;"><td style="width: 29px; height: 101px; font-family: Verdana; font-size: 61pt"> </td><td style="border-left: 2px solid #000000; border-right: 2px solid #000000; border-top: 2px solid #000000; text-align: center; font-family: Verdana; font-size: 20pt; height: 101px;" colspan="2" valign="bottom"><p style="margin-top: 0px; margin-bottom: 0px">Paul Campos</p><p style="font-size: 11pt; font-weight: 700; margin-top: 0px; margin-bottom: 0px">Mortgage Loan Officer, Instant Capital</p><p style="font-size: 10pt; font-weight: 700; margin-top: 0px; margin-bottom: 0px"> </p><p style="font-size: 8pt; font-weight: 700; margin-top: 0px; margin-bottom: 0px"><span style="font-family: Verdana; font-size: 15pt; font-weight: bold">888-643-0064 ext. 2221</span><span style="font-size: 16pt"></span> </p></td><td style="width: 30px; height: 101px;"> </td><td style="width: 29px; height: 67; font-family: Verdana; font-size: 40pt"> </td><td style="border-left: 2px solid #000000; border-bottom: 2px solid #000000; text-align: center; font-family: Verdana; font-size: 18pt; height: 67; width: 271px;"><p style="font-size: 12pt; font-weight: 700; margin-top: 0px; margin-bottom: 0px">Cell: 714-926-2504</p><p style="font-size: 12pt; font-weight: 700; margin-top: 0px; margin-bottom: 0px">www.MyInstantCapital.com</p></td><td style="border-right: 2px solid #000000; border-bottom: 2px solid #000000; text-align: center; font-family: Verdana; font-size: 18pt; height: 67; width: 288px;"><p style="font-size: 12pt; font-weight: 700; margin-top: 0px; margin-bottom: 0px">Fax: 714-917-2352</p><p style="font-size: 12pt; font-weight: 700; margin-top: 0px; margin-bottom: 0px">[email protected]</p></td><td style="width: 30px; height: 67;"> </td></table><table cellpadding="0" cellspacing="0" style="width: 634px; height: 25px"><td style="height: 25px; font-family: Verdana; font-size: 14pt"> </td></table><table cellpadding="0" cellspacing="0" style="width: 634px; height: 105px; border-collapse: collapse;"><td style="width: 89px; background-color: #000000; height: 10; "> </td><td style="width: 458px; background-color: #000000; height: 10; "> </td><td style="width: 89px; background-color: #000000; height: 10; "> </td><td style="width: 89px; background-color: #000000; height: 10; "> </td><td rowspan="2" style="width: 460; background-color: #A51F26; height: 115; text-align: center; font-family: Verdana; font-size: 14pt; color: #FFFFFF; border: 1px solid #000000; padding: 1px 4px; " valign="center"><p style="margin-top: 0px; margin-bottom: 0px; font-size: 16pt; color: #FFFFFF;"><span style="font-family: 'Tahoma'">Home Loans, Made Easy</span></p><p style="margin-top: 0px; margin-bottom: 0px; color: #FFFFFF;"><span style="font-size: 41pt; font-family: 'New Century Schoolbook'">Paul Campos</span></p><td style="width: 89px; background-color: #000000; height: 10; "> </td><tr><td style="width: 89px; height: 85px; font-family: Verdana; font-size: 52pt"> </td><td style="width: 89px; height: 85px; text-align: center"> </td><table cellpadding="0" cellspacing="0" style="width: 634px; height: 25px"><td style="text-align: center; font-family: Verdana; font-size: 8pt; height: 25px;">Instant Capital 2326 N Batavia St. Suite 111, Orange, CA 92865</td><td style="text-align: center; font-family: Verdana; font-size: 8pt; height: 25px;">CA. DRE License # 01249088 / NMLS ID # 254305</td></table><table cellpadding="0" cellspacing="0" style="width: 634px; height: 25px"><td style="height: 25px; font-family: Verdana; font-size: 14pt"> </td></table><table cellpadding="0" cellspacing="0" style="width: 634px; height: 50px"><td style="text-align: center"><img alt="x" height="44" src="http://www.leftfieldmedia.net/Paul-Campos/0%20Graphics/eho.gif" width="43"> <img alt="x" height="44" src="http://www.leftfieldmedia.net/Paul-Campos/0%20Graphics/bbb.jpg" width="107"> <img alt="x" height="44" src="http://www.leftfieldmedia.net/Paul-Campos/0%20Graphics/FHA-your-door-to-home-ownership.jpg" width="61"></td></table><table cellpadding="0" cellspacing="0" style="width: 634px; height: 25px"><td style="height: 25px; font-family: Verdana; font-size: 14pt"> </td></table><table cellpadding="0" cellspacing="0" style="width: 634px; height: 100px;"><td style="height: 75px; " valign="top"><p style="text-align: justify; font-family: Verdana; font-size: 7.5pt">Under no circumstances will Paul Campos or Instant Capital sell, rent, share, distribute or make available any of your information or your company's information to other companies, organizations, associations or individuals. If your home is currently listed for sale, please do not consider this as a solicitation for your business. Instant Home Loans, Inc. d.b.a. Instant Capital, 2326 N Batavia St Unit 111, Orange, CA 92865. Instant Home Loans, Inc. is licensed by the CA Department of Real Estate License # 01836490, NMLS ID # 254887.</p></td><td style="text-align: center; height: 25px;" valign="bottom"><p style="margin-top: 0; margin-bottom: 0; text-align: right; font-family: Arial; font-size: 6pt;">(C) 2011 Left Field Media</td></table></p></div> </div> </body></p>
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