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๐Ÿก ๐—™๐—ผ๐—ฟ ๐˜๐—ต๐—ฒ ๐˜„๐—ฒ๐—ฒ๐—ธ ๐—ผ๐—ณ ๐—๐˜‚๐—ป๐—ฒ ๐Ÿฎ๐Ÿณ, ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿฎ

๐—ฅ๐—ฒ๐—ฐ๐—ฎ๐—ฝ ๐—ผ๐—ณ ๐—น๐—ฎ๐˜€๐˜ ๐˜„๐—ฒ๐—ฒ๐—ธ: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐—ถ๐—บ๐—ฝ๐—ฟ๐—ผ๐˜ƒ๐—ฒ๐—ฑ ๐˜€๐—น๐—ถ๐—ด๐—ต๐˜๐—น๐˜† ๐Ÿ‘
Average mortgage rates improved slightly last week, coming down from the highest levels seen since 2008 but not yet returning to the same range of rates seen a few weeks ago. The improvement in rates was driven by recession fears, as markets are now more afraid of a recession than of inflation. Investors are concerned that aggressive Fed rate hikes anticipated by the end of the year to fight inflation will push the economy into a recession.

๐— ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ฅ๐—ฎ๐˜๐—ฒ ๐—™๐—ผ๐—ฟ๐—ฒ๐—ฐ๐—ฎ๐˜€๐˜: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐—น๐—ถ๐—ธ๐—ฒ๐—น๐˜† ๐—ฟ๐—ฒ๐—บ๐—ฎ๐—ถ๐—ป ๐—ฟ๐—ฒ๐—น๐—ฎ๐˜๐—ถ๐˜ƒ๐—ฒ๐—น๐˜† ๐˜‚๐—ป๐—ฐ๐—ต๐—ฎ๐—ป๐—ด๐—ฒ๐—ฑ ๐Ÿค
Average mortgage rates may worsen a bit to start the week, but will likely improve as the week goes on to basically end the week about the same as we start it. Recently mortgage rates were driven higher by fears of inflation, but now fears of recession are helping them come down again. Markets will close early on Friday for the long Independence Day weekend and will be closed on Monday, as are most mortgage lenders.

๐Ÿ—“๏ธ ๐—ช๐—ต๐—ฎ๐˜'๐˜€ ๐—ฎ๐—ณ๐—ณ๐—ฒ๐—ฐ๐˜๐—ถ๐—ป๐—ด ๐—ฟ๐—ฎ๐˜๐—ฒ๐˜€ ๐˜๐—ต๐—ถ๐˜€ ๐˜„๐—ฒ๐—ฒ๐—ธ:
- Recession fears: Concerns that the aggressive Fed rate hikes to come will cool off the economy have investors looking to the safety of bonds, helping mortgage rates.
- Economic data: A full week of data, but most of it will not have much affect on mortgage rates this week.

#mortgages #mortgagerates #realestate #mortgageinterest #homebuyingtips #realestateadvice #refinance
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๐Ÿก ๐—™๐—ผ๐—ฟ ๐˜๐—ต๐—ฒ ๐˜„๐—ฒ๐—ฒ๐—ธ ๐—ผ๐—ณ ๐—๐˜‚๐—ป๐—ฒ ๐Ÿฎ๐Ÿณ, ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿฎ

๐—ฅ๐—ฒ๐—ฐ๐—ฎ๐—ฝ ๐—ผ๐—ณ ๐—น๐—ฎ๐˜€๐˜ ๐˜„๐—ฒ๐—ฒ๐—ธ: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐—ถ๐—บ๐—ฝ๐—ฟ๐—ผ๐˜ƒ๐—ฒ๐—ฑ ๐˜€๐—น๐—ถ๐—ด๐—ต๐˜๐—น๐˜† ๐Ÿ‘ 
Average mortgage rates improved slightly last week, coming down from the highest levels seen since 2008 but not yet returning to the same range of rates seen a few weeks ago. The improvement in rates was driven by recession fears, as markets are now more afraid of a recession than of inflation. Investors are concerned that aggressive Fed rate hikes anticipated by the end of the year to fight inflation will push the economy into a recession.

๐— ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ฅ๐—ฎ๐˜๐—ฒ ๐—™๐—ผ๐—ฟ๐—ฒ๐—ฐ๐—ฎ๐˜€๐˜: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐—น๐—ถ๐—ธ๐—ฒ๐—น๐˜† ๐—ฟ๐—ฒ๐—บ๐—ฎ๐—ถ๐—ป ๐—ฟ๐—ฒ๐—น๐—ฎ๐˜๐—ถ๐˜ƒ๐—ฒ๐—น๐˜† ๐˜‚๐—ป๐—ฐ๐—ต๐—ฎ๐—ป๐—ด๐—ฒ๐—ฑ ๐Ÿค 
Average mortgage rates may worsen a bit to start the week, but will likely improve as the week goes on to basically end the week about the same as we start it. Recently mortgage rates were driven higher by fears of inflation, but now fears of recession are helping them come down again. Markets will close early on Friday for the long Independence Day weekend and will be closed on Monday, as are most mortgage lenders.

๐Ÿ—“๏ธ ๐—ช๐—ต๐—ฎ๐˜๐˜€ ๐—ฎ๐—ณ๐—ณ๐—ฒ๐—ฐ๐˜๐—ถ๐—ป๐—ด ๐—ฟ๐—ฎ๐˜๐—ฒ๐˜€ ๐˜๐—ต๐—ถ๐˜€ ๐˜„๐—ฒ๐—ฒ๐—ธ:
- Recession fears: Concerns that the aggressive Fed rate hikes to come will cool off the economy have investors looking to the safety of bonds, helping mortgage rates. 
- Economic data: A full week of data, but most of it will not have much affect on mortgage rates this week.

#mortgages #mortgagerates #realestate #mortgageinterest #homebuyingtips #realestateadvice #refinance

Summertime is right around the corner! Before you bust out the sunscreen and head to the outdoors, youโ€™ll want to ensure that your home is also ready for summerโ€™s heat. These home preparation tips will help your home stay cool without skyrocketing your energy bill.

1. Install a Programmable Thermostat

These thermostats allow you to set automatic temperature controls for maximum comfort. They are great energy efficient alternatives to air conditioning during hot summer months. Higher temperatures when you are not home keep costs lower.

2. Replace Your Air Filter

Your HVAC systemโ€™s air filter gets a lot more use during the summer. So, check it every thirty days throughout the summer and replace it when necessary.

3. Practice Smart Landscaping

Strategically planting shrubs and leafy trees near your homeโ€™s windows is an excellent way to prevent those same windows from transferring excess heat into your home.

4. Install Exterior Window Coverings

If you arenโ€™t able to use nature to your advantage, another great way to protect windows is by adding awnings or screen shades to shade their exterior side.

5. Update Your Homeโ€™s Insulation

Pay close attention to your attic and the levels between your homeโ€™s conditioned and unconditioned spaces. Extra insulation can be added on top of existing material, but consider contacting a professional for appropriate installation and removal.

To learn more about preparing your home for the extreme weather of summer, don't hesitate to reach out to Audra Santos via a call or text to 203-526-9345. She can help you along the way and point you in the direction of energy professionals.
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Summertime is right around the corner! Before you bust out the sunscreen and head to the outdoors, youโ€™ll want to ensure that your home is also ready for summerโ€™s heat. These home preparation tips will help your home stay cool without skyrocketing your energy bill.

1. Install a Programmable Thermostat

These thermostats allow you to set automatic temperature controls for maximum comfort. They are great energy efficient alternatives to air conditioning during hot summer months. Higher temperatures when you are not home keep costs lower. 

2. Replace Your Air Filter

Your HVAC systemโ€™s air filter gets a lot more use during the summer. So, check it every thirty days throughout the summer and replace it when necessary.

3. Practice Smart Landscaping

Strategically planting shrubs and leafy trees near your homeโ€™s windows is an excellent way to prevent those same windows from transferring excess heat into your home.

4. Install Exterior Window Coverings

If you arenโ€™t able to use nature to your advantage, another great way to protect windows is by adding awnings or screen shades to shade their exterior side.

5. Update Your Homeโ€™s Insulation

Pay close attention to your attic and the levels between your homeโ€™s conditioned and unconditioned spaces. Extra insulation can be added on top of existing material, but consider contacting a professional for appropriate installation and removal.

To learn more about preparing your home for the extreme weather of summer, dont hesitate to reach out to Audra Santos via a call or text to 203-526-9345.  She can help you along the way and point you in the direction of energy professionals.

๐Ÿก ๐—™๐—ผ๐—ฟ ๐˜๐—ต๐—ฒ ๐˜„๐—ฒ๐—ฒ๐—ธ ๐—ผ๐—ณ ๐—๐˜‚๐—ป๐—ฒ ๐Ÿฎ๐Ÿฌ, ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿฎ

๐—ฅ๐—ฒ๐—ฐ๐—ฎ๐—ฝ ๐—ผ๐—ณ ๐—น๐—ฎ๐˜€๐˜ ๐˜„๐—ฒ๐—ฒ๐—ธ: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐—บ๐—ผ๐˜ƒ๐—ฒ๐—ฑ ๐—ต๐—ถ๐—ด๐—ต๐—ฒ๐—ฟ ๐Ÿ‘Ž
Rates moved higher last week, with the highest rates coming Monday and Tuesday before the Fed meeting on Wednesday as markets reacted to the previous week's inflation data. The Fed raised the fed funds rate by 0.75%, a significant increase meant to fight inflation, which actually helped mortgage rates improve from the highest levels seen since 2008.

๐— ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ฅ๐—ฎ๐˜๐—ฒ ๐—™๐—ผ๐—ฟ๐—ฒ๐—ฐ๐—ฎ๐˜€๐˜: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐—ฐ๐—ผ๐˜‚๐—น๐—ฑ ๐—ฏ๐—ฒ ๐˜ƒ๐—ผ๐—น๐—ฎ๐˜๐—ถ๐—น๐—ฒ โš ๏ธ
Markets will reopen Tuesday after observing Juneteenth and mortgage rates this week could continue to be volatile, moving up and down significantly as markets come to terms with the current economic picture. However, there is a pretty good chance that rates could improve on the week, at least slightly, now that rates have adjusted for the expectations of more aggressive Fed rate hikes to come in July and September. That said, we aren't yet in a position to expect rates to fall too far from here.

๐Ÿ—“๏ธ ๐—ช๐—ต๐—ฎ๐˜'๐˜€ ๐—ฎ๐—ณ๐—ณ๐—ฒ๐—ฐ๐˜๐—ถ๐—ป๐—ด ๐—ฟ๐—ฎ๐˜๐—ฒ๐˜€ ๐˜๐—ต๐—ถ๐˜€ ๐˜„๐—ฒ๐—ฒ๐—ธ:
- Inflation: Ongoing concerns about inflation continue to pressure mortgage rates higher.
- The Fed: Fed Chair Jerome Powell will appear in front of Congress this week in his semi-annual monetary policy report, and his prepared as well as live comments could affect rates this week.

#mortgages #mortgagerates #realestate #mortgageinterest #homebuyingtips #realestateadvice #refinance
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๐Ÿก ๐—™๐—ผ๐—ฟ ๐˜๐—ต๐—ฒ ๐˜„๐—ฒ๐—ฒ๐—ธ ๐—ผ๐—ณ ๐—๐˜‚๐—ป๐—ฒ ๐Ÿฎ๐Ÿฌ, ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿฎ

๐—ฅ๐—ฒ๐—ฐ๐—ฎ๐—ฝ ๐—ผ๐—ณ ๐—น๐—ฎ๐˜€๐˜ ๐˜„๐—ฒ๐—ฒ๐—ธ: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐—บ๐—ผ๐˜ƒ๐—ฒ๐—ฑ ๐—ต๐—ถ๐—ด๐—ต๐—ฒ๐—ฟ ๐Ÿ‘Ž
Rates moved higher last week, with the highest rates coming Monday and Tuesday before the Fed meeting on Wednesday as markets reacted to the previous weeks inflation data. The Fed raised the fed funds rate by 0.75%, a significant increase meant to fight inflation, which actually helped mortgage rates improve from the highest levels seen since 2008.

๐— ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ฅ๐—ฎ๐˜๐—ฒ ๐—™๐—ผ๐—ฟ๐—ฒ๐—ฐ๐—ฎ๐˜€๐˜: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐—ฐ๐—ผ๐˜‚๐—น๐—ฑ ๐—ฏ๐—ฒ ๐˜ƒ๐—ผ๐—น๐—ฎ๐˜๐—ถ๐—น๐—ฒ โš ๏ธ
Markets will reopen Tuesday after observing Juneteenth and mortgage rates this week could continue to be volatile, moving up and down significantly as markets come to terms with the current economic picture. However, there is a pretty good chance that rates could improve on the week, at least slightly, now that rates have adjusted for the expectations of more aggressive Fed rate hikes to come in July and September. That said, we arent yet in a position to expect rates to fall too far from here.

๐Ÿ—“๏ธ ๐—ช๐—ต๐—ฎ๐˜๐˜€ ๐—ฎ๐—ณ๐—ณ๐—ฒ๐—ฐ๐˜๐—ถ๐—ป๐—ด ๐—ฟ๐—ฎ๐˜๐—ฒ๐˜€ ๐˜๐—ต๐—ถ๐˜€ ๐˜„๐—ฒ๐—ฒ๐—ธ:
- Inflation: Ongoing concerns about inflation continue to pressure mortgage rates higher.
- The Fed: Fed Chair Jerome Powell will appear in front of Congress this week in his semi-annual monetary policy report, and his prepared as well as live comments could affect rates this week.

#mortgages #mortgagerates #realestate #mortgageinterest #homebuyingtips #realestateadvice #refinance
I am proud to work for a company that is CHFA approved & able to offer the new program that Governor Lamont just announced. This new program is offering up to $50,000 to help first time homebuyers. Contact me today for details 203-526-9345.
New 5.0-star Review: Audra was great!  Walked us through our options and helped us to get our home!  She kept on schedule and made sure every was smooth and we closed on time. Highly Recommended!!!

๐— ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ฟ๐—ฎ๐˜๐—ฒ๐˜€ ๐—ท๐˜‚๐—บ๐—ฝ๐—ฒ๐—ฑ ๐—” ๐—Ÿ๐—ข๐—ง ๐˜€๐—ถ๐—ป๐—ฐ๐—ฒ ๐—น๐—ฎ๐˜€๐˜ ๐˜„๐—ฒ๐—ฒ๐—ธ... ๐˜„๐—ต๐—ฎ๐˜ ๐—ต๐—ฎ๐—ฝ๐—ฝ๐—ฒ๐—ป๐—ฒ๐—ฑ ๐—ฎ๐—ป๐—ฑ ๐˜„๐—ถ๐—น๐—น ๐—ถ๐˜ ๐˜๐˜‚๐—ฟ๐—ป ๐—ฎ๐—ฟ๐—ผ๐˜‚๐—ป๐—ฑ?

The short answer is that last Friday's inflation data sent markets spiraling, because inflation still shows no signs of slowing down. Inflation is bad for rates, and the reaction by markets pushed mortgage rates shooting higher Friday, only to continue higher on Monday and Tuesday as markets prepared for a larger Fed policy rate hike this week.

The Fed did indeed raise rates more than originally forecast today, by .75%. It is important to realize though that this rate increase was for the Fed's policy rate, the fed funds rate. This was not a direct increase to mortgage rates, which the Fed doesn't control and which had already increased in expectations of this move by the Fed.

The good news is that when the Fed raised rates this week, mortgage rates actually IMPROVED. That is because the markets had already priced the move in, and investors are happy to see the Fed is aggressively acting to bring down inflation. Although we have seen extreme volatility in rates, we could see rates continue to improve as we end the week.

๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐—ฟ๐—ถ๐—ด๐—ต๐˜ ๐—ป๐—ผ๐˜„ ๐—ฎ๐—ฟ๐—ฒ ๐—ฎ ๐—ฟ๐—ผ๐—น๐—น๐—ฒ๐—ฟ ๐—ฐ๐—ผ๐—ฎ๐˜€๐˜๐—ฒ๐—ฟ, ๐—ฎ๐—ป๐—ฑ ๐—ฎ๐—น๐˜๐—ต๐—ผ๐˜‚๐—ด๐—ต ๐—ป๐—ผ ๐—ผ๐—ป๐—ฒ ๐—ต๐—ฎ๐˜€ ๐—ฎ ๐—ฐ๐—ฟ๐˜†๐˜€๐˜๐—ฎ๐—น ๐—ฏ๐—ฎ๐—น๐—น ๐—œ'๐—ฑ ๐—ฏ๐—ฒ ๐—ด๐—น๐—ฎ๐—ฑ ๐˜๐—ผ ๐˜๐—ฎ๐—น๐—ธ ๐˜„๐—ถ๐˜๐—ต ๐˜†๐—ผ๐˜‚ ๐—ฎ๐—ป๐˜†๐˜๐—ถ๐—บ๐—ฒ ๐—ฎ๐—ฏ๐—ผ๐˜‚๐˜ ๐˜„๐—ต๐—ฎ๐˜ ๐—บ๐—ถ๐—ด๐—ต๐˜ ๐—ฏ๐—ฒ ๐˜๐—ต๐—ฒ ๐—ฟ๐—ถ๐—ด๐—ต๐˜ ๐—บ๐—ผ๐˜ƒ๐—ฒ ๐—ณ๐—ผ๐—ฟ ๐˜†๐—ผ๐˜‚ ๐—ถ๐—ณ ๐˜†๐—ผ๐˜‚ ๐—ฎ๐—ฟ๐—ฒ ๐—ฐ๐—ผ๐—ป๐˜€๐—ถ๐—ฑ๐—ฒ๐—ฟ๐—ถ๐—ป๐—ด ๐—ฏ๐˜‚๐˜†๐—ถ๐—ป๐—ด ๐—ฎ ๐—ต๐—ผ๐—บ๐—ฒ ๐—ผ๐—ฟ ๐—ฝ๐—ผ๐˜€๐˜€๐—ถ๐—ฏ๐—น๐˜† ๐—ฟ๐—ฒ๐—ณ๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ถ๐—ป๐—ด. ๐—™๐—ฒ๐—ฒ๐—น ๐—ณ๐—ฟ๐—ฒ๐—ฒ ๐˜๐—ผ ๐—ฟ๐—ฒ๐—ฎ๐—ฐ๐—ต ๐—ผ๐˜‚๐˜ ๐—ฏ๐˜† ๐—ฝ๐—ต๐—ผ๐—ป๐—ฒ, ๐˜๐—ฒ๐˜…๐˜, ๐—ฒ๐—บ๐—ฎ๐—ถ๐—น ๐—ผ๐—ฟ ๐——๐—  ๐—บ๐—ฒ.

#mortgages #mortgagerates #realestate #mortgageinterest #homebuyingtips #realestateadvice #refinance
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๐— ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ฟ๐—ฎ๐˜๐—ฒ๐˜€ ๐—ท๐˜‚๐—บ๐—ฝ๐—ฒ๐—ฑ ๐—” ๐—Ÿ๐—ข๐—ง ๐˜€๐—ถ๐—ป๐—ฐ๐—ฒ ๐—น๐—ฎ๐˜€๐˜ ๐˜„๐—ฒ๐—ฒ๐—ธ... ๐˜„๐—ต๐—ฎ๐˜ ๐—ต๐—ฎ๐—ฝ๐—ฝ๐—ฒ๐—ป๐—ฒ๐—ฑ ๐—ฎ๐—ป๐—ฑ ๐˜„๐—ถ๐—น๐—น ๐—ถ๐˜ ๐˜๐˜‚๐—ฟ๐—ป ๐—ฎ๐—ฟ๐—ผ๐˜‚๐—ป๐—ฑ?

The short answer is that last Fridays inflation data sent markets spiraling, because inflation still shows no signs of slowing down. Inflation is bad for rates, and the reaction by markets pushed mortgage rates shooting higher Friday, only to continue higher on Monday and Tuesday as markets prepared for a larger Fed policy rate hike this week.

The Fed did indeed raise rates more than originally forecast today, by .75%. It is important to realize though that this rate increase was for the Feds policy rate, the fed funds rate. This was not a direct increase to mortgage rates, which the Fed doesnt control and which had already increased in expectations of this move by the Fed.

The good news is that when the Fed raised rates this week, mortgage rates actually IMPROVED. That is because the markets had already priced the move in, and investors are happy to see the Fed is aggressively acting to bring down inflation. Although we have seen extreme volatility in rates, we could see rates continue to improve as we end the week.

๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐—ฟ๐—ถ๐—ด๐—ต๐˜ ๐—ป๐—ผ๐˜„ ๐—ฎ๐—ฟ๐—ฒ ๐—ฎ ๐—ฟ๐—ผ๐—น๐—น๐—ฒ๐—ฟ ๐—ฐ๐—ผ๐—ฎ๐˜€๐˜๐—ฒ๐—ฟ, ๐—ฎ๐—ป๐—ฑ ๐—ฎ๐—น๐˜๐—ต๐—ผ๐˜‚๐—ด๐—ต ๐—ป๐—ผ ๐—ผ๐—ป๐—ฒ ๐—ต๐—ฎ๐˜€ ๐—ฎ ๐—ฐ๐—ฟ๐˜†๐˜€๐˜๐—ฎ๐—น ๐—ฏ๐—ฎ๐—น๐—น ๐—œ๐—ฑ ๐—ฏ๐—ฒ ๐—ด๐—น๐—ฎ๐—ฑ ๐˜๐—ผ ๐˜๐—ฎ๐—น๐—ธ ๐˜„๐—ถ๐˜๐—ต ๐˜†๐—ผ๐˜‚ ๐—ฎ๐—ป๐˜†๐˜๐—ถ๐—บ๐—ฒ ๐—ฎ๐—ฏ๐—ผ๐˜‚๐˜ ๐˜„๐—ต๐—ฎ๐˜ ๐—บ๐—ถ๐—ด๐—ต๐˜ ๐—ฏ๐—ฒ ๐˜๐—ต๐—ฒ ๐—ฟ๐—ถ๐—ด๐—ต๐˜ ๐—บ๐—ผ๐˜ƒ๐—ฒ ๐—ณ๐—ผ๐—ฟ ๐˜†๐—ผ๐˜‚ ๐—ถ๐—ณ ๐˜†๐—ผ๐˜‚ ๐—ฎ๐—ฟ๐—ฒ ๐—ฐ๐—ผ๐—ป๐˜€๐—ถ๐—ฑ๐—ฒ๐—ฟ๐—ถ๐—ป๐—ด ๐—ฏ๐˜‚๐˜†๐—ถ๐—ป๐—ด ๐—ฎ ๐—ต๐—ผ๐—บ๐—ฒ ๐—ผ๐—ฟ ๐—ฝ๐—ผ๐˜€๐˜€๐—ถ๐—ฏ๐—น๐˜† ๐—ฟ๐—ฒ๐—ณ๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ถ๐—ป๐—ด. ๐—™๐—ฒ๐—ฒ๐—น ๐—ณ๐—ฟ๐—ฒ๐—ฒ ๐˜๐—ผ ๐—ฟ๐—ฒ๐—ฎ๐—ฐ๐—ต ๐—ผ๐˜‚๐˜ ๐—ฏ๐˜† ๐—ฝ๐—ต๐—ผ๐—ป๐—ฒ, ๐˜๐—ฒ๐˜…๐˜, ๐—ฒ๐—บ๐—ฎ๐—ถ๐—น ๐—ผ๐—ฟ ๐——๐—  ๐—บ๐—ฒ.

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