From: Subject: Date: Fri, 11 Sep 2009 03:19:21 +1200 MIME-Version: 1.0 Content-Type: multipart/related; type="text/html"; boundary="----=_NextPart_000_0000_01CA328E.A7BC70D0" X-MimeOLE: Produced By Microsoft MimeOLE V6.00.2900.3350 This is a multi-part message in MIME format. ------=_NextPart_000_0000_01CA328E.A7BC70D0 Content-Type: text/html; charset="iso-8859-1" Content-Transfer-Encoding: quoted-printable Content-Location: http://www.cms-tool.net/webapps/cms/member/editor/customers/bulkemailer/view-job-view.html?JobID=3558&SECURITY_ID=B7841EA4485CF1755D7BA8236B70F875

 

 =20

 

3D"click

August 2009 Newsletter
 

A=20 landlord tip
.
 Some = landlords like a=20 clause on their Tenancy Agreements... "Carpets must be = commercially=20 cleaned at the end of the tenancy". The insertion of this clause = may be=20 seen by the Tenancy Tribunal as an attempt to avoid the Act(RTA) = and you=20 cannot "contract out " from an Act of Parliament. The Act only = allows=20 for the property to be "reasonably" clean.
 The Tenancy = Tribunal have been cracking down on this. If an agent or = landlord goes=20 to Tribunal and the Adjudicator sees that clause in the = Agreement=20 then the agent/owner may be fined. It is true that many = landlords use=20 this clause and 99% of tenants comply, the issue only arises if = the=20 tenancy ends up in the Tribunal and the Adjudicator gets = involved. There=20 are exceptions eg. You might say "Because you have pets on the = premises,=20 carpets must be commercially cleaned at the end of the tenancy". = If you=20 would like to read more on Tenants responsibilities go to Part 2 = S40 of=20 the  >>Residential Tenancies Act<<=20

Tips=20 while using  www.tinz.net.nz
.
 When=20 you search a prospective tenant on TINZ  you are emailed an = invoice=20 for your records. Many property managers like to put this = straight=20 to the landlord file for the end of the month so they = remember to=20 charge the checking cost to the landlord. We have a = flyer=20 which can put with your New Landlord Packs informing landlords = you will=20 be using TINZ, and oncharging the cost of checking. We have = created it=20 as a word document so you can easily adjust it to suit your = needs. You=20 can find it in 'Downloadable Forms' or here is a link to >>Tenant Checking flyer<< =

Suggestion=20 Box
.
 Many of the = improvements we make on the website are directly linked to = suggestions=20 from our members. If you think we could do something different = or better=20 we would love to hear from you in our Suggestion=20 Box! 


 

Articles  =20 compliments of...3Dwww.landlords.co.nz=20
.
Prevent=20 fraud through pre-tenancy checks
.
People=20 seeking rental accommodation need to check the credentials of = landlords=20 and their representatives, following reports of tenants paying = bond=20 money to bogus property managers. ....  >>=20 more <<

.

Interesting=20 book for the month... 
.
The=20 Housing Bubble (NZ Title)
.
The = Housing=20 Bubble simplifies a complex subject and shows us how to identify = each=20 phase of the real estate cycle; the key indicators driving the = market=20 through each phase; and how to use this knowledge to grow rich. = Trass=20 charts house prices through previous booms and slumps up to the = current=20 date and predicts the likely housing recovery in New Zealand, = Australia,=20 USA, UK and Canada - along with the challenges that lie ahead.=20 ....  >> more = << =20

 

  


 

Market=20 Rents
 
The = links=20 below offer the latest on market rents from DBH

Northland<= /TD>
Auckland
Waikato
Bay of=20 Plenty
Hawkes=20 Bay / East Coast
Taranaki
Manawatu=20 / Wanganui / Wairarapa
Wellington<= /A>
Nelson /=20 Marlborough / West Coast
Canterbury=
South=20 Canterbury / Otago / Southland

New=20 Zealand (Totals Only)

.
For=20 a tool to  = >>=20 Graph DBH Data <<=20

 



 

We=20 are always happy to hear from you and assist in any way we=20 can.


Tenancy=20 Information N.Z. Ltd.
PO Box 105524, Auckland = City,N.Z.
Ph. 0800=20 Tenant (0800 836268)

mailto:admin@tinz.net.nz
http://www.tinz.net.nz/=20

=

 

------=_NextPart_000_0000_01CA328E.A7BC70D0 Content-Type: image/gif Content-Transfer-Encoding: base64 Content-Location: http://www.tinz.net.nz/tinz_logo_2.GIF R0lGODlhWAJeAPcAAAwMBCUUDFxcTOzk5FxcPHRsZA0EBFxcROzs7ExMNCQjG0MYBISEBDUxGnx8 fLS0tGRkXHR0cxUMB+zk7NTU1Ozs5Pz8/FRULPTs5Oz06xgYGPX06lRUTFxTTKysVP///wAAAAAA AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAACwAAAAAWAJeAAAI/wBBCBw4 sIDBgwgTKlzIsKHDhxAjSpxIsaLFixgzatzIsaPHjyBDihxJsqRIgihTggDAsiVLlTBjypxJs6bN mzhz6tzJs6fPn0CDCh1KtKjRo0iTKl3KFObLnQoCCPRA1UOAqFivXq3KtavXr2DDih1LtqzZs2jT ql3Ltq3bt3DJQpgLQYDdu3jz6t3Lt29dAXUDAx5MFzDdw4jpOoCwOLHjx5AjS55MeXLTy0LBYt7M ubPnz6BDix5NurTplGJPq17NurXr17BjywZadrbt27hz697NW7aBs1oVCBd+lUHc48iTK1/OvLnz 52T7Sp9Ovfrf64QJV97Ovbv3770zq/8NT768+fPo088OO5W9+vfw48ufTz9maoL36+vfz7+/f9Fh GaCBVlppEFZwxA1nHHQMNujggxBG+GB1FFZoIXbZBfbdhhx2KJl/+cEU4n8klmjiiSgO5F5NK6bo 4oswxqjbiDTRKOONOOaoI1MBKmBAAABEFWQABEYVnARhDafkcBI26eSTUEY5YQJ2UUmlhVhmaddf W3ro5Zcb0mcjTmPuaOaZaJ4GQEoumVZmTi2mKeecdF4GgAEuvWSAQHmu6VmctAFa56CEFqoTnizt idKdjOKJ52ZiGeAjkEIamdWlwSF4lYFgLakkAwtKKeqopJZaqpbSYSfYqnMZRhmqsMb/KutePd3J 560DASCBAbsGoGhTghL1pqHEFmssmyAgypJUwAZrlLPHRiutoY3+qhS0Rw077bbc6uhns2AZgKgC LE065JBFZorpklcpyelXnn5q6rz01mtvcrNOh+Gq2iGW778AV1iettdi2+3BCKf47bMGX9ZwwhBH XCjBmFEs8cUY4xipuH0GWe6PQYJcabrrqttuu0u+61W8TN7r8sswx0xVwKluaTO/NOess10zPvyZ xRkHLTR/QIfm89BIJ51e0QAerfTTUNs2FscdV01uyJT+OGlWJJucIMspJwl2qDKXbfbZEO7sF18H tO3223DHLffcdNdt9912y8b0aXtH/+3330Y73ZrggBdu+FJ9D0744Yw37tPGVUfe59VYY701kZZi rrnXX6PMssorswwq2qSXbnpcalOH9+qst+766qwlrvfijtduO2q03yb77bwbvjtuv/cuvNKQS278 8XcS+aPyRGZ9ldabZ55511hVfzLoXYF9+vbcdz9W6nkRIP745Jdv/vnop6/++uyvT9pYJuY+/PwX B0+e/fTnHy38L8qv///F2piykEfAAkqOcldLoMi0xsDnOXB6mUOXAsQiPcx574IY5J7aEkAADnqw gyD8oAhFGMISkjABJzShClPIwhV28E/4e4//AEhDNMUwPjesoQ5TxD8bamaHQDQU//8MSMQiFvFH ICMgEn3FxCU6sYlA+k1YLKc5BZAtg1jMYr0YIIArwcpKFwijGMdIxjKa8YxoTKMa16hGh7lnT42K o6PkaBNFWUsme3JUsmaiqDXdUSVwnKMg5bgmRu2xPV8JoiJ9yJ6W4GlXkOSVJCO5qzbNpGMyYUkl nxKTRFkykwZEIqM4mcNFmnJg7kkekRYQAFa2cpWwfGXzHtVJVSpvYQS5kwQk0Dxf4TJXtvRlJiUZ S1caE5a8nCUuZ3jKZoZniAAYgDQHgIBpWlOa1aQmNqmJgOZ1bHnVzGY3gZSn5Q1gA9YcJzkdSaRw YtObfQLnNN2pzXqKU5sIUKcjI0X/qSpq8Z8ALRUDrFSlLhrUi3kBIxsXytCGOpSNSAkRAAIwgAlU VJoWzWhFs2nRa1ZAXJ00QDal+dE/rsQAGL1oBXz1x4mOdAAl7WQAqtnReaa0nhOogDVjirtEOvOn 9emhQPC0gKIa9ahITWpRifTLXLXyqExVyUSVykpaDmR5UAVSTMRF1a4mNaoqKSVQxzoaoQ6VovlM q1rXytZ8DkCrMPHVWt9q1YHIda0W7aZVkzdXYUp1pm0NbFvf2lQV/ZCsiO2NWe0602s69rHpTGY8 V+nYZCoLq4+16FKjSNlrWnayFIWsaK+JAMlWTYpgoWKRAsra1kqoiwQ9qGyp9NDa/9r2tm0MCvxM Ki4EVCCnwM0ANSvgW99OQLjG/S0GQCrVH9H0tyttqXOHe1yYVjMAu+LTdIEb3ZAml7vBpS5yiatc X7HosIlNL2yGWMterrKoNJ3mZpUZUooSl5vkXJRzdTpNixK3m57cbzgBXNiVTNS9zWOlUaup05r6 tUbMVK+Ei7JYZIlLXL3i5QJIGs6l7opjw2ysTnXKSzb96KIbsGiKrQkkCSSPpDAdQIlj8uELY/dH vJQAfDcaYwSwkpPn9emEhxy4N67kyIsaJZCwm8wF5LSaGJAxdpnK2W82DwF5tSg8E3XlAQjXy9LM QF6J1GQsU1PLTI0cyKDY5AVkU/+4GDDzlEeJPNR+RWSYs6Jr98xn6KDwoCgMNG4HTWjb8oS9PBHX U6HK3DrqGKnmTQmvvGrUXSp60Us1KU0UreGvsrQnESayqGdClkXlCifYzWtaI30TInHTrQ9m7KsH m8/mSaCvdbXJiycwAVwX2CZiHfWohVrInvDqotOc8U3ERVq4okRcNc1slKcc2nk6+yYvhmysHxdq YYs6LrmUHFazSufjjduoyhugKimN7qVCmqUFXB6myT1HccNFen3Ot76RE+h+F/rfAM8thOGCE5eq la45MXhaEc4mwKq1lb0+uI+dfHBW1yR5/8UrvIH9Fm97HNTgbrUEHHvtmmCX5ED/FsjJr+nKl2LU zdfMr64b+1hfSuAmBP+4zskUcl3/iNwJ/zm6LZ4roXuY2uxWnq51OW9X5nrgbUkJqKZO9apb/epY z7rWt871rnv962APu9jHTvaym/3saJ+6mY4DTHG7Oq295qW63Y7WfObUl+Vsp91rnUxsqjXido+u uZm4gChjWa289KQS4ZI8S4ENbA1QQOQnL/kGWP7ymM+85jfP+c57/vOXT0DoRy/60jfA9Kg/vepT j8LT9/v1sI+97GdP+9rb/va4z73ud8/71wf898APY1L21JWC03yaRKeJS2POrEVVG/lLdHnNm59J 7Lo15o3meVV2zn3VFH/Z874l/7aN7uFcJ++rc3xvV0EsU/VnFe86+X7359+07fvc4QyWeSeHyteF AxhR/PcjgIdlC9Ao+BdYBfgtQHYnBrBhA6ZWC7BL5dZUQCZ/9HeBnSF/xoNZkXVjVoZgrZROA+BK IAhzLMZEUzZa4yRvINhKbuVy89WCKOhed9IVT4eBhBJ8OvhviMMVODFdxoUBn9ZckmRjt0ZeFRWB U3ZhOGZdv5UBfjVV1VVc0PVWloZhTMgrNJdT1IVUOpZjS+goWAhiFoiDZohtSIZzPnh/vrVN+rco voVOwrVKHEVcLohNdniHJ3hkisZgF0VTKwgAVOhbuhIADXaIfsdrEfdq3DQAE/8liORVTWtShmdY ifuHKxxnfzVhTsMlTQtwg8emUVYYABjwZNTESsgmTSlYiuikV99iTlw4YqeYeNIUZarIS1yIAHHW ibI4AFFmi9bmar5oXTW4hjMBARHgAMm4jA6QAArAjMyoACDAGBBAEMkojQShjA6AEgmQjATBGAlA EAnwAOToANjYjQ6wMMlYjd/YjCDwjOY4EAmwGAIxj9AYjwKhAA5Ajg/Ajvl4jxDwLcw4EIxxjQTR AMnYAAR5j8mIQvQoj/v4AO4oj95IkBMpjhUpEOAoEAzZjOhIkQ8JAgIQkhypjdEIAh0ZjrmSjAKA EhsZE9qIEvCIjSAwj+xYkNr/2JLegmQKmIlUMXeRY33ARU1MpW4sSIIaFk62uFlIeYfx9VnLomMD pk0YkEwJ5l4OmFcchk+miGXolGJViXTeZGceoGkE8QAfkJZqmZYRkABruZbh+AAW8AEKKRBpqZL5 qJY0CQIO8AEWsI0CgZYRMBBoqZYWgAAtKYgfMJj1eJcoIZg1mZYPMBAOYAGTyZdz+ZYqCQF+uZYU 4Cdu+ZYfgAB1uZZ+QgGZiZcgUJiXuZqi6ZfKaJmE2Zmd2Zp9+ZezyZjZCJu5aZev2ZZpOZsfQAGE iZsE8ZofEI7IqZvTmJbEeZaLGRMKoJfiKJmUKZurmZlqSQF1ORA7+J24pWun/5aGMkGJeOR+N7ZV GqZjtoZpZBaBCpZMnYZuf3RuQ3dh66mEbcZuVEVm78meeGKeKVGQhamNKJSWJqmM0siaA+GY18mW 1piWCOAnaAmYfYkAzQgBFDCaa8KZH4CNG9qas7mNoZmcHPkBlxkBw5mg0hiaD9BFDoAAKNqYH2CS Mvqca5mYcJkrA5CWA2CREVCgDamil9mXKIpCBXqiHBqYNZoSKrqkrgmYkpmgCWAADrqhaYmNDkqZ zCijdAkCU8qMqlmYXzqiMJmZzFmiKkmkTCqRQXqjOVJsaSin5WmMF1d3buViThFaI2VOe/dWaFVP nHh9T8dXjEhXE7VNWnZis/8mWGyFXysnTsWoiTXRAMEpj5eaEmTKjlsKAhv6qbtpna45mAAwlzq5 EjKqk2g5mRf6S5BZos9ZmUU6oykRogfpmKFJEAJwqZIZnW5ZmHjJmVjqjwJhqR+QjbJZqk16nRPK l2p5mZCJEkZKq9HaqQOxods4ncP5AdWYqzHhoZxqojChrbbamzDxqcNZnc4pELLKpIAJAsZ6qjDS k7jya4ZFqZuGUul0g4V0UXnFgJUVADUVZwBbU6VFgQK4r4yCbHHmKKk4WqLlKxJQiqUoTZNKFTjh rTQKE2TarFu6qxSgrd35pI5ZoSI5mjJ5qx8gABWwrI/ZpCXapGyKkrSaS9b/KpckmqnOigB2+Zcz WplGipcbCgGryo06y6a7eqwokao0q5Zx6bIDQbImarJgKq7SOqPCWrR9KaIokbTvaq272Y8f8KNm qhIgK7KYqpbbOLPRGpjGeSP0emT2CgI2aEBLtmVAmURLFkxUJkpMxLdFOYHJw4Lk9LfLwigymLgI xoAsJbGJUrdzG5lKS6NvCa0o2qPbuKU466k1u7WgCplbOxMXWrMvO5ih2ZcVoI+0Oq1qK7kpEbou So4bapxpmbTZmbQqaawAkLR7qbHOyqqk666/+7nRebUPQLyMiZwaibKrCrLZ+a4o0QAyKqLKOxCp CgBp6Y9t+5i4Wa6Si7qq/wutb/u7BAGe5vtQ4omJQYaxOZGFtoJHlfRIycKEcVQtN5eF8otH9EsQ RdgS84u/Wdi4AOxIiqcoAgoTvhuzz+quT2qsKom2nEm2NPsAp2uyMxsTAYCl3fmyOfsBM4WiMyu1 EOq7JzqZCryiDZqcGyq9H+qgRcu50Ou7bHrBvUmkFQy1JXzDUvqaeUmXQ6utCiCjqpkrN7ow1duc POuarUm1MpmWChnBafvBD8C2xVvCOzmnPukBPBG5udTF43lqcUueyoeJxeZHc3paJ2VgnwRMcku3 dkoTCayz0DmYIeqgF6qN2cuusomWCLChg1mZEiwQArCX5MuxvhqcHvrCof8bvVn6siZ8lwLwqb9y l6uKso4ZTSiqjKCatsjKqhYQyAKBuZg5mXzsx6+7x6NpylU7xNdao42MrXLMJxvarMdptS9LAcpY mNi4vZQ5mnjMrRubyNQKte26LQd8FFzcGskcVm88E3E8uRwsuVe6lpmZojOqmAgKr048ENpKrDQc zd5KptbMtQKBAOMLAKjZwbKcrr45j2M7o47poaLZnTI8ow6ssgrJptiMwxOMqq27yobco8+Jlt4L nRmwwe2sEtr6lsbJxASBpWlZzRvrmqK6venMLftGKgPkzDpLwuZKpuEYmsxYmGuyyNPKmAQdjgow ywuzyCrxqpdqrKsbvOz/OpoqCQB83KKZaqw7fKDZXLIgrI3Yysm9fJmfio0rzc4mrZbMWdOzCqEA rRLTCpgeOr41/QEdoBJg66wUMNLszMuS69UfsCbeKtPiC5gGYKR7eb5svVA9mNFSkrEdjZzbSLVB DNRcK6NrW7NYCpjoLJrE2s+GrM5XPc4qkcHO+QBeyo6+e6HS6JhOu8po28tJ7LpRS6ssjKKFSZpW LBB97aR8nc1VK5qXKdMc0MO2zKSvmbmvOZlDPRDGqpBkCpcvbL0wm6lGarmiCb3SAteiItfQfMIQ 2rZBa6UrK60WQJzFHNa54gBYSsGnTM69qbFSrMfSvRKzTQGn6rsUBc8mnYqle3KXKvqcV1W7E23d sD3bD9Cdyy3S0Z22ydvaKTzWrQzNwimag4mcL5qWdzTUs62WAmCqyE2c1D29qv2s8jotvh3X0YJC hKwaAIBCy2yJbrTgTsIAw0Hhg9LWHJ5GGv7hIB7iIj7iJF7iKAJ6o6d5oofiLN7iLv7iMB7jnWfi O9JCNm7jLoRCOb7jON7jNP7jQB7kQj7kRC7iAQEAOw0K ------=_NextPart_000_0000_01CA328E.A7BC70D0 Content-Type: image/gif Content-Transfer-Encoding: base64 Content-Location: http://www.tinz.net.nz/images/landlordslogo1.gif R0lGODlhFgEuAPfyAMHL15Kkv3iXvTRonjhnok93pYqlwqGzw9fe4tzd2YGetQdEkgA0hQA8jCRV kluFrbDAydzh5ISduSBUjwdDjQBCjQA7hUh1o6e7zyZZmwA2jABClQtFiWaHq9LY3oShvCpcmQU+ kD1snW2RuEJxpQxFjQA8kiRalWKGq8XP2G6NtglLlM/X2a26yjlonFB4qo2kvL/L0OLk4JavwhBK j1l/qtXc4BdSlwZKjwxMlgQ+iJOpwIicvKCzyYWkwBlPj9zm5t3WzOPCvuPGut3g4N7a2N3GuOLJ wuPg5hhSmY6ovyphnHucuOJ+WeMuAN80ANyNb9/Gtd08ANxTF965pN9ZI4ScwMvS1qO7yhpPlTRg m9t5UeJDCeGojOOKXOM0AOKPceM8AONSGOPg4OO8rONeJnqYtnCTshdLlABAhqa1yeJwReKEYONW GOO9rGyNsgAuiuNzReCHZOPCsrbGz6m6ySxho9zHv+De2uPSzd3X0OPX0NzOwt2pj+PPyLLF1Zqt wt2ym95zReJXINxWHd9oRd1hNNyljN66qt5uQt5FDdxGFd+fituHYdxUIuNDANuVfN1aK+FLFN5z TN6aeuFfNOJpQOGxneB9VN91SdtDAN1oO+GehN2NatyBYdyUdd1LFuF0Utvk4dtEBuCnlABKnHmU suEcAN2/sd6rlOC1peMnAN6zpOG6p9+Sbz1vptHY2HKYud91V+LPwdZkOt/BuNxpM+A8Bd+hheCk juCVcdvOyNdwRdtTH9t9WNxgK+LY2OFJD99KCNw9Bl6Fsd5sPQdDnOOUdeJTIOK/uuNXI+FuPOGc f958Vd2ahLbCz0t2qt2vmONICpCsxd6IaNyFWuB3SbDC0HuZwpmux91JD9mtnt+smB9amOONaONc LuBoM+JzR6i5wd8mAOBED9ssAONKHpepvN9xVuN6V9qbft66sAxIiWWIs8jP0iFYm1l/p2ZmZv// /wAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAACH5BAHoA/IALAAAAAAWAS4A AAj/AOUJHEiwoMGDCBMqXMiwocOHECNKnEixosWLGDNq3Mixo8ePIEOKHEmypMmTKFOqXMmypUuX AAIIGECgZgEDBxC83Mmzp8+JCRQQWMCggdGjRh08gPCzqdOnLiNImGCUgtWrWCtYsHCBKdSvYMNq xJBBw4YNHLCqxWq0gwexcOPKRfjBQgUKC/KutdpgK1YGIN7OHUwYat27V/MqzmshhIgRJOyWmGwi cOHLmF3W3Wu1gucTKACkUIECxVUOKxqAYJG5teuRLTToVbuhgYsXMGLImEFja40PIUIo1iDitfHj GW2caLC3wQ0YLnDkqKCjwFUNLz6cvWpBAvLv4B9K/2Cw1oSJAqx3FHDggkcPxBQavPBRokHeCj9s yACyMogQIUHIkMAQBBLBURFGGHEEEkiEh5wNScBnFQM/7IBQDMxd1QAJSizRQAkrWMCEQQmUmACD ITXhxBNQyBOFFFJMYeBGVDzxRBUyyODgcVbIthgDL1wxEAQ1YCFPBBB0kKGGWeygRQM4hHCDDQVt wQUXXfAXkhdffAGGPEOEEYYYY3BEhphl7IicC/bl9aEZA9lwRgUaVLBEBkYtsFYFaMyghQULpKFG QWvY2MVIbHT5ZZhhtFHmRm6gqaZxAHCgmAUuxEDQG3Ao5plie/E5g4cN1FBQHIaOJIeiYIrpKEdz SP86qWs7APqhAgbRQUObi+nZHAh12NFABjoOhOoThx5ExB134AGElgblIYQeB+HB7BZheNlqo48S dMQRe0Br0Ld4EMTHEX3IOtC3RzzbIEIyEOjHs0AUK8+31DqkhxB5DLQHgUOwe0QU3c5KkBJbiaDp QX/QICFnijHQAiAMZDCjQMcmO5AMgQgyCIyEFMKHQHwYYsghiCSiiBSLMFLvfno04oiNjzyiLaOv 5igDJJHAKMkkUdBLSSWWXIKJFF9kItAhhmgiprpUbPJ0JJwgVEQnVTztCRFcE/FJz1KAEooRQCAh CkFFJFJJJ0ZMIskTo0DxLClPPD11wQYLRIIGMCz/BIFdnGFVCgOmxJCFZy0QlHFBRBhyio2Qi+Es Kl1y0SWMUjyRikBBRLKi3Te7+igRgjjhhN1hqPIsG6vA6IQUTvQhjxw2op6mPKzULuYpbBykRyUr Qv7EHvLgYYnpYnapSCvPos3FEzW/7rorQOjBhZhXhvHEJXkb9IoFAsCSY0KxMOBr4BqEhkYFHDQw qLGpFkSFLK3MEsgiNl8CBKNh0FLLEIlA07Ns0aVIzOEImMjWokQ3BiA04nWCOAIqBCEmQpRpVbcA hSqOgAsg4MJGt0jFEXIhK0PYSBe7iEIjqmYQXnxBCr0gBR/mgIkgAMEXr9sCH1rBC6T9wl4CAUYw /8TkCCocwRdiEgbx2EWJYYTBEOLqnjxekQYNkIAhZwDUXlZAFGLIYAfmW0ADMKC4+A2ECM0TiCdY xShCoNFFMBqEPIwAo0gEQSCrCh235FEEUIRBEncUSNbCgAh5JOoLnYDWL8LAhUAIJFZhuF0xYNQE PTxLBhEoCB+GMQxFjIwgelBEGAiRgGcRYQpiqkVBhCgmPjyrCMIQU78GIgYxsSKK3SMAc1YgpIUM QAN7MQYFDIABGKjAAjjAgQXehzEzDuQOvmiDNBVhs2NsCxkMQkIyxKQMebjCRq4YyCEXyC0gBKJL y9ASEA75CUOySiBDqFkV6BWpSD6yS18YxSZacf8QZtioGVHMRZe2QJAtdMkZqxxiGPwgkCIodJby 0IWNDCFFgygAUBU4AENsoIU09Mozz0iBBpgAjQw5QDDNRFZBjgAK09VsFKP4gjVxNj5IDmKd4BQn G0Unj1zYaA0EGac7vxBOgbjhC2GY57POZE+BRKMSkBsGKuhVNiSAoUu9OyMQKGEjgg5kCzZiRkLF xFB57EEasmyoH7lwBHkAUYrTMJ8FRtCQFHCgAooxAQUgoAQOMIAOLkgDBSqQgVPZKBcFmUSXqKEH PDTDRjN1VbFsKg9n2GgT9KrGTsf0LFaICYr0skaXVDHULwnkCKMIgyeXqi6BXMISYqpEBCJAVUb/ 2OgXVH1WKmxUDIJsAkZuyC0rFxpEtHIhD88KhY2aUFGDXIMvA3grQnpwFWOU4BnYYAADfJANC/Dl AkA8FilyGwkxUeFZtHtCZBs1WW4CgQ9ScBoknkWNzfZiFiWqZRiyBARE3OILUyiTUAdiiM8mwEU2 ul0XEPGsO4hJGwZCBDPKFQSYhkFuz0JFibQhpm086xIwqgLXcsGNTA63rMAwLnJr4bMiNNcgS/BM Nx6CBb9cwwza/QAGzteAaRCqbobIhJATgQhKfOEWYrCGNaaAtPW2ob1hGAQaXXG6MCwjE4PIlje2 NYoniJUbkNvEJILRJUeWliCogNw3rLGJR0hB/47A4IIUlmGNrDlhC0BgBewysR8ViUnMy3jCIYBw iCqDIxPaODIV5NEJ04kVDwpFMVrDgFwKhiEYSrZGOCBa0TfIRgcadcgMJECHMzBAAz4QRxo2oBga wKIgmxjHF0xnulMwQxSgsJHpJCGFcSSyFqYLRrHcsOsc4QEK2ngCrWHkMiAU43WrSIRAcEEOZZsO FNGgFybGMQ45FCQaPaO16RJhTnLM2nRS2IQlXVGOL4DiwDLwxS2s7YRbfOJZlOgyrc1xSyB8w0bW AAIwHmG6WTxLD7CTQhEC4QR8fmEVEB/Ci+WRghV45gfneIgNUKABDQSgDp6ZzArSZxBnhKIJKP9H eSjOewQ5VEEQzigCNdChPz9gAhPUmBEfmtGMTlxMD31Ih9CjcYeqFuETsnAFKmYbgV04Q+iQsCTX 5NGHUIQi2wNhOiIacXN1zIEIDNIDFeTA80BcMgibAMV4GQSEO3wiHZ4IhCtz9F5I8JwSRaDXOpAR iXYVoRHp8MUs91ANoSfgEydPecqJN/EOWGAFFLAACAKQSYUQQCsWMAAWgjOZEmyAHb1sCG2pypHx EURnHJntQhp4yf3k9mXSdauOxmf6iVMkBezYQAlwYAILOKAdoYexBTRgAFWjhTvtsL3yxQKDMCqm ATTogDsO8g4aXKMHOqhACTT0Diot//tQqYH/84dTAheEeiAiSEEPjNL5+rDDK+CPf1Pg4XysJCwA gpHBOSyAFg5wAAcVwA7XIH8E2BTitwHN0QA/YAbu4APsdx3WJw9jgDcFEQ8WaIECEQ8aoYHywIEO 4YEj4YEcCIILAYIieIEk2IEX2BEpWIEumBEtCBHFYgaRtxcAWAG7shhpwAAuQAcQYYIbOBExyIIE MYIPgYEZaBAtKIIcMYQZeIJOQQcXoAMm0Ct5gQOLQSfv4B0RAYRIqIIpuIJgaIQdOIYDIYZnqIJF iIQaiIJrGIZsGIdtqIZPGIZleIdpeBBMmIRtyIZ0WId8iIF7+IRneIJQOIJyKIhmWIhOeBDP//AC aGAU/IeA8WEUOmAHVnAxP7iGfJiHSdiJoDiHoIiHdEiGZaiIdziIeGiKqWiEqniKn+iJL7iKoniK ZMiEqKiKcyiKuEiIujiKptiIBwEL2VADNTABOZADNEACNXAGPlgRQBiIaLiK1OiKaYiC0ZiK1/iJ iDiNexiNuOiGRTiKpFiB3hiLtdiNubiN47iLjJiOdTiI8DiGwqgQEYAA+BiEnliLswiP1kiO48iN 7HiLCPGNAdmLBUmOQ7iE6EiN5RiMDwmLEImQDgmLAvkU2TiPDYmQ/iiLBhmKF0mKHxmSGomOrziL B3mNBAmSsniRt8iLMBmLFqmNMrkTGQmI5kQ4kcCIk/vIiC7pkznpkfM4jTKpjl/Ykibpiiboh39o hzSphojYira4ghpJlAUYf/WohzB4lVy5lRKRlQVplV05lssXEAA7DQo= ------=_NextPart_000_0000_01CA328E.A7BC70D0 Content-Type: image/jpeg Content-Transfer-Encoding: base64 Content-Location: http://www.goodreturns.co.nz/books/images/TheHousingBubble_300-120x176.jpg /9j/4AAQSkZJRgABAQAAAQABAAD//gA7Q1JFQVRPUjogZ2QtanBlZyB2MS4wICh1c2luZyBJSkcg SlBFRyB2NjIpLCBxdWFsaXR5ID0gOTAK/9sAQwADAgIDAgIDAwMDBAMDBAUIBQUEBAUKBwcGCAwK DAwLCgsLDQ4SEA0OEQ4LCxAWEBETFBUVFQwPFxgWFBgSFBUU/9sAQwEDBAQFBAUJBQUJFA0LDRQU FBQUFBQUFBQUFBQUFBQUFBQUFBQUFBQUFBQUFBQUFBQUFBQUFBQUFBQUFBQUFBQU/8AAEQgAsAB4 AwEiAAIRAQMRAf/EAB8AAAEFAQEBAQEBAAAAAAAAAAABAgMEBQYHCAkKC//EALUQAAIBAwMCBAMF BQQEAAABfQECAwAEEQUSITFBBhNRYQcicRQygZGhCCNCscEVUtHwJDNicoIJChYXGBkaJSYnKCkq NDU2Nzg5OkNERUZHSElKU1RVVldYWVpjZGVmZ2hpanN0dXZ3eHl6g4SFhoeIiYqSk5SVlpeYmZqi o6Slpqeoqaqys7S1tre4ubrCw8TFxsfIycrS09TV1tfY2drh4uPk5ebn6Onq8fLz9PX29/j5+v/E AB8BAAMBAQEBAQEBAQEAAAAAAAABAgMEBQYHCAkKC//EALURAAIBAgQEAwQHBQQEAAECdwABAgMR BAUhMQYSQVEHYXETIjKBCBRCkaGxwQkjM1LwFWJy0QoWJDThJfEXGBkaJicoKSo1Njc4OTpDREVG R0hJSlNUVVZXWFlaY2RlZmdoaWpzdHV2d3h5eoKDhIWGh4iJipKTlJWWl5iZmqKjpKWmp6ipqrKz tLW2t7i5usLDxMXGx8jJytLT1NXW19jZ2uLj5OXm5+jp6vLz9PX29/j5+v/aAAwDAQACEQMRAD8A /UMefczzLHMIhGwX7mc8A/1p/wBlu/8An8H/AH6H+NFl/wAfV7/10H/oC1coAp/Zrr/n8H/fof40 fZbr/n8H/fof41cooAp/Zbr/AJ/B/wB+h/jR9luv+fwf9+h/jVyjNAFL7Ndf8/g/79D/ABpfst1/ z+D/AL9D/Gmf2/pn2r7N/aFr9o3bfK85d+7pjGc5qwt/buEKzowkJCYb7xHUD6YP5Urotwkt0Q/Z rr/n8H/fof40v2W6/wCfwf8Afof402PXdOmujbR39u9wCQYVlBfI6jHWr2cgUXuS4uO6Kf2W7/5+ x/36H+NH2a6/5/B/36H+NXKM0xFP7Ld/8/Y/79D/ABpjRXKtg3Y/79j/ABq65+Q4618ZfF3xd4t1 Hx/431Wy1fUNPg8INbLHZQSlUmSWVY8quRllVWk753qOlcuIr/V4qVr/APATf5L7ztwuG+szcebl t+rSX4tfI+wd09vcwxySiVZN38OMYGaKxvC+rT67oXhvUbpPKuLuzSeRP7rNEGI/MmiulO+pxtWd jbsv+Pq9/wCug/8AQFq5iqdl/wAfV7/10H/oC1cpiEyB3FG4eorj/i94su/Afw18S+I7GOGa80yw luoo7gExsyKSA2CDj6GvDfF37Uur+H/2efCnjezg0a48QapcwxXNixdo4lcSFiED7hjYvUnrXPUr wpNqXRXPawWUYvMIxnQSalLkWv2rX+63U+otw9RRuHqK+fPjR8afF2ifETwx4A8C2GmT+ItZtTey XWrbzBDGA3GFIOf3b889uOao+A/2j9e8S/Bv4g65qOmWFp4r8HtPDPbxb2tZZEUkEDduAyGBGe3X moeJpqbh2/TU6Y5BjZYeGJSVpcul1e0pcsW12bVrnqa+GrRfincX40uEKdLQi5+zj/W+cxPzY+9j B9a5Hwl4f1601PwbLdyF7GLUdSf7MLIxtbhhcbS77jkHcMZA6iuP8W/tK+I/D/7P/gTx1b6fpj6p r11HBcQSJJ5MYbzMlBvzn5B1Jq78Xfjj4v034u2Hw+8Gx+H7LUJdPF8974id1jlJJCxRbWHzHB9f wwawlVpL3ten46r8j16WXZi70mo2anFtvRKmnGT8vi6bnW/DGJdP1u9hul8u6bUdQZIH0SRJAGuZ WVvtONpBUgjtgivYVYFRyOlfPvj74sfEbwH8Bj4y1TRtG0nxFZyKt5ps2+4ilVpAisjJIuw8hsEt xxWF8XP2kfF3wq+Gfw+8RvY6Rql74hIluoYoJY0SIxrIFjHmEhgGwSSRxnArRV6dGLUuivt30OWp lGMzOtGVHlbnKUFaSa5ormdmkla2zu733PqDcPUUuR614bpvx5k8R/Gbwj4c0ZbO58M694dOtLeF W+0Bg8ihQQ20D5ACMZzmvPbj9oH4s+NPEPi+58AeGdG1Hw94av8A7BJaXPmNeXhDlSUwwA4GenAx 16VbxVNba+n3nJS4fxtR2lyw0Um5NJK8nFJ32baat959ZkBh7V594t+Angjxx4ji1zWNFju9RTbm QkjftIxuH/AV+oUZ6Cuu8M6rPrPh7Tb66sZdMurm2jlls5/vwOVBZG9wcj8K1K3lCFVWmrrzPBUq mHm+WVmtNH+qM+aBILuxRBtVQwCjoAFop93/AMf1n9X/AJUVoYC2X/H1e/8AXQf+gLVyqdl/x9Xv /XQf+gLVygDzn9oi0n1D4H+OLW1glurmbSLhI4YULu7FDgADkn2r4z8bfs7abpf7M3g3xFpXhS+H ja6u4FvzGLiSXYRKW3QkkLyE52jHHrX6IsobrXzz8efjF4w8FfFPwZ4P8LnRYDr0MrNc6zHIUjZT xyrDAwD2Nebi6NOXv1O1tu7PveGc0xtCUcHg+knUd5OKajF3Tt0tr1OR+PEl78O/2ifAfxHudG1L U/DVrpjWVzJptv5zxSYlAyvb/WDrjoe9ZXwT8AeIvEXwY+M90dJutOn8XXF1Lplpep5crqUYqSD0 yW2j6eldl8N/2ifEninwP8TbjVLDTBrng5Jgl5YF2srp1SQjAJzgGMdDyCOlZ3iL9pTxVpH7Lnh3 4iw22mnXNQvPIlieBzAF8yVeF35HCL/Ee9c37pydTmdrN2t8me4v7SjRhgI0Y+0UqdPm5tHZurDT zvq77aWTPFL3WdY+Ifwl+Hfwo0/wjr8PiTR9RjN49zZlII0UuN2/PHDgnIGMHrxn2v8Aaku/CV14 ksdM8b/DzW9S0tbM/ZfFGjJumimyP3a7TnHs5xk/dxzW38Z/jR4y8K/EnwN4T8MnQ7dvEFo8r3Gs ROUicZPVWGBgeh61U+Hf7RfibxP8Ovipe6lYaYuueC0uFS7sdz2V1IiSkFQTkgGPnDchh0zSUYLm pOV3p000V7fcaTrYuqqOYU6CjBOUrKo1K9WfLzXsrLmVkrPTdM8oa28Xn9jHV9H1211m7vb/AFBV 0S0uLWWa7NqskbAOFUlRw5G7HHA7Cu38aWU/inQf2dPsumXt1BY6jbwX8cllKvk7I40k8xWUEKCr DJGDjgmszw1+1R8QYV+Huq61aeGtR0nxZeC1FjpglS9g/ebCxUsw75/TivYPCfxa1nW/2nPFfw+u YbQaJpekpfQSJGwnLsIMhm3YI/etwAOg/EpqnNJKT1stV80GMqY7DTnUlRiuV1ar5ZaapUpK1r3i 2vV3fp4v8KfhFrfwu/a3g01re7n8KWmn3R0m6MbNFDbyFnERfGAQ7OME54z3rzrxBa+I/AI+I/hB NN8W2XiXUtfOpaNdaCrpDcoWYfPIpyU2vuwO45xivpX9p74z+KfhZr3gvSfC40dZddmlgeXWVbyo yDGFJYMu0fOck56V0fwX1n4keILu9uPGE/hK90kIEtpvDMzynzc/MHJJGMHoKHQg5uhBtNN9NFdE xzfGQoRzXFQhKMoRVua0pOnN+9az3d+ZddTpPgRNfT/B3wZJqjXMmpNpNubh7wsZjJ5Y3by3O7PX PNd7TI0Cqvrin17MI8sVHsflmIq+3rTq2tzNu3a72KV3/wAftn9X/lRRef8AH7Z/V/5UVZzi2X/H 1e/9dB/6AtXKp2X/AB9Xv/XQf+grU0kcrN8sgUemM0ATV8hftc+GH1n4zfDzUb7wlq3irw1aW041 C30yzknJBbhTtxg5wcEjpX1F4i1608KaXLqOq362llEVDzNGSFLMFXpk8sQPxqlceNtJtLK3up9T EVvPejToneBhuuC/lrGBjqWG0ds1hXpKtDkbPYynMpZVivrMY3dpLdr4k1o1qmr6HzJ8Bvhx4nuf B3xc0600TUPDHhXWY5k0DSNWykkbOjqeGO5RygOTjjvjNeWXs3ivxX8CvDPwbg8BeIbfxHYanunu bizKWqp5kjbvMPH/AC0HJwODzX3fB4x0u51u50iHUfMv7aYW80K27fu5DGJQpbGAShDdelRaJ4+0 TxDq02madq8VxfwiUvbiIq2IpfKkIBxnbJ8px0JGeorkeCTioqXRr5N3+R9LT4sqRrzrzoJtyjOO r0lGPKm3vK61d93qfM37U3hF774wfDm81Hwlq3i3wzYWEkeoQaXZyTbhyAPlxg5weo6VT+EfgnxN YfCf44QReHdV0PwxqdpdHw7od7GxuVLRTAqsZy3IMQx3I4zgk/WC+K9Nks9Vu49Uilg0qSSG9aNd 3kOihnVgOQQpBx6GjRvFem+IfIOm6nHfR3Fql7DLAm6OSF87HDDgg49ap4SLqOpff/KxzR4mqxwN PBezTUeXVt/Znz3S2Tb0b3tofAXgj4d6z9n+G0HhX4eeI9B8d6fqAl1XXru1kt7dod7ZyXOD8pHY cAjBzXreseI9c+FX7XPjPxafA/iTxHpV9pUNjFJo9g8ql9luxIbGCB5bA89a+l9Z8faNoGpx6ff6 k0F3ISEj+yu2/CF2wQCDhQWPoBQ3xA0OPxGNCbWYk1VpUgW3aMgtI0ZlVATwSUVmAzyFPpURwXJF KMtU09uysdWI4rliqsp1qClGUZRacpXtKSk/e3smrRWyR8oftH6lf/GB/hn4ik+HPiebS7W9uRqG iyWEn2kxBosghfuhwDg5Gea9i/Zy8X6NE914Y8P/AAy8R+BNNVXvi+rWrxwvISqkBmYksRjj0U17 BFrdpNrVxpCajE+p28EdzLagDekTs6o5HoTG4H+6azofHejXFlPeJq8bWsAVnl8s7SrMVQr/AHgz AgFc5PStoYdxqOrzavyR5mIzyGIwEcB7G0Y35fflZXk5arZtXtdnUg5UGlrL02/XV7YT2l15kRZk yYypDKSrAg8gggjB9KvRxyKcvIHHptxXafKEF5/x/Wf1f+VFF5/x/Wf1f/0GigBbL/j6vf8AroP/ AEBasSXEcTYZsH6VXsv+Pq9/66D/ANBWrZXNAHG/FDwtH8RPBt9oK34sPtXlZuPKZ9oSVXIwGU87 cZyMZzXLQ/C++TwvpWhTeJftdrpWtW+o2c1xaM0y20MwkS2dvMy5AATzDzgDIJyT61sHvQVAoA81 0n4fyaR8RNd8UR6nbsNUlTdbtavujiEMcbIG8zadxhRt2zIwR3zWV4M+Ek/gvxfqOv2+vJcy6g98 00E9mWWMT3L3CeUfMJj2s5DgcSBVJClcn10jFOCjGSaAPL/D/wAN5/Duo+ILi21sGLWrCKK4imt2 YfbUV1a5zv8A4lZQU/6Zr81aHgXwBZ+BNZ1a5s76Q2N+scg04JiG3ny7TvFySqyMwYp0DbiPvGtj UPHlja3LW9sj30yHa4hxtU+hY8flmrNj4mN0AWtWjH+/nFNJsNzM8T+GP7d8W+FdZhv44E0SaeZ7 doC5n8yFosBtw243E9DXK33wmkufig/jOHXFimFxbypYy2pkhCJC8TggvjzCHJWVQGTJHzKzA+q2 9zHcAFSQfQ9alIwaQHm8PgCaHx7ZeK01oLfAXMF7GbdilzbybDHGBv8AkMZjT5uc/NwNxrL0v4N2 mm2PiOy+1WsthriQi40t7NjYbw7NNIIC5CtLuw2zaMqGxnr67tpdgoA5L4eeHl8D+HINIbUrjUY4 JJWjluWd2SNpGZIgWZmKopCDJJwo5rq47iOU4Vsn6U7YKULgUAU7z/j+s/q/8qKLz/j+s/q/8qKA Fsv+Pq9/66D/ANAWrlU7L/j6vf8AroP/AEBauUAFI3SlpG4FADTyK5Px5qflwW9gs5t1uAWldDiQ xjqqe7EgfTNdYelcD4+tJZtXtnwfKEBwQM/Nk8fkaa3AybPUwIhBAsVjaKMCKIbRgd2bv9TXCD9q n4e6d4wg8Ny6uwupJjb/AGnyiLZXzgZkOMAkYDYx745rhf2lPEV/4U0vQJY7yWKwmnkjuLWNMGUh MoSc8gH+GvjPQvC2peL/ABba6RaxyajdancquyNd0j5PJOOwBJJ9AfSvBx+a1MLWVClG703PFxWO lSq+ygtT9erKYOFZTgjkEVsRP5kat+dc7pukW+h6Zb2Foot7Szt47eONeiKqhVUfgK3NPyLddw55 r6KWquz2UWaf3plPrIYUetFFAFK8/wCP6z+r/wDoNFF5/wAf1n9X/lRQAtl/x9Xv/XQf+gLVyqdl /wAfV7/10H/oC1czQAUjdKWkbpQA09Koazpo1K0Cg4kX5lOP0q/RzQB5X4h8K6br9s9hrOmwX0BP MN1EHAPqM9D7isH4c/Bvwj8Ndfu9W0XSvKurgAbpJDIY1/uIWJKqTyQOvHYDHtlxZw3YxLEsnuRz WfFp9k13NCLcAxBTyeuf/wBVDjTlJTlFXXUzdODkpNarqVYJJNWkAEeyMNuI7Z9631QIFUdAKSOJ YVCooQeijFOqpO5oFPplPqQCiiigClef8f1n9X/lRRef8f1n9X/9BooAWy/4+r3/AK6D/wBAWrlU 7L/j6vf+ug/9BWrmaAAUjcClpG6UANooooAq6rqltomm3WoXknk2lrE000hBOxFBLHA54AJrxrw9 +1n8J9d8Ypplj4xtLm+1OaG0s4UilzNKTtCD5OuSPzr2udEkiZJAGRuCD0PtX52fs4+E9L0/9uLV 4ItOto0sbzVzCixACIhyF2j+HGSBjpXHWqzp1IQjtI+lyzLsPi8HisRVb5qSTVmrO91rdP8AM/Rf OaKP0oyK7D5oKf3pnGafQAUdKKKAKV5/x+2f1f8AlRRef8f1n9X/AJUUALZf8fV7/wBdB/6AtXM4 qnZf8fV7/wBdB/6AtUvFWuaVoejXE+s3EFrY42u9wRsPGcY79OlNK+iJlJQXNJ2Rs5zSN0r570Wz 0rRks4tJ+Iem2F0trbWVxsCqZmhadW3Bm+VmaQD+8DG3Oc46rXNYtkfS7yPx4kFncLBFCkbq5uSp dJWUjqS0sJJA42ejGnyS7GXt6Nr86+9HrFFeJeG71NR1W/s4PH1rfa1fW1q0MkEfWJJ55GVSWO7c vmJwSygA88Vow6Zql8JLuz+IkUtuPKlZpQN0UW5mAIDKAWDBclfugDrzSaa3RcKkKivB3XketSR+ YuK8T039kXwXo3jx/GFhfeILPXXlkmeeLVHAcucvuGPmDd85q7Ywz3fgu8tpPiCslzIYoku528ho /JZFlVhuVwXIKlsg/OCDkgnD/wCER1TVluoLr4gwLE7yxJbNeNIHiYBQ/EoJO/zgFYsNrqDkqKPZ U6lpTeqKeYYvCRnRw6bjNK9nZO3R+h7da6T9mt0iF1dTBRjfLJuY/U09dOZZA32u4P8Aslhj+Vee eCPDN74YOqWN343kvrieRfIUMhe3VS52hH3AfKQMAdEz61U8Y28d59qvZ/HEcei7Ibv7MgWRsxNG 5dSh3EERtwo6tnsBRJJOydyKUpTgpTjyvt/wx60Bin968l0Zb/8A4RiA3HjGSS4uJ4WivZykOYVA WTKMQcMRKR3BKcfLy/QUv7TW3iu/HUd0thMkV3a3EQiORbcgZI4YypJkZA+6OnCNT1fFFeP39hqu bWM/EW0tDHCIp23KDNIroZHOXwuQCMAceYfavT/D8m/SYFN4l/JGojkuIyCHcDDHg8c54oAkvP8A j+s/q/8AKii8/wCP6z+r/wAqKAFsv+Pq9/66D/0Ba5H4teH9I8QeGhHrl3cWdjFcxyeZbH5i5OxB jBzkuBj1xXXWX/H1e/8AXQf+gLTNW0Oz12GKG9j86KOaO4VM4G+Nw6E+uGUHHtTTcXdGdSnGrFwm rpnmGkeEPhp4psI7uJILyKSMxF555FModnO5lZhklppcNjI3sBjpV6PQ/h5cY0VFsgmmQsqwCYqk aPcF3AOcH97bHI5wUxxmujf4V+GpNQW9ewJuVkMocyv94yibOM/3wGridS0rwi/i640u68O3z3Av k2zxl2QyErKJBhuAHvHPTjDnotVzy7mKwtBXtBa+SOk0vwh4N8O3lhLA0MVzAkb2zTXrOwQLIqbd zn5Qs0gHYBvYVBaeFfAWm2M9kr2K211bx2skMl2WDxAAouCx7Lx7CuNl8UeF9Q86XVfDF892Wkt5 haxs2BayYiIGQ2TlSpUd+DwKuaTpHgvULqbQoPC99aIrzXC5Rkt22RtAXRg2MFQygDqBkDGDUuTl qzanThSXLBWXkaN14d+G1tZXV44heBCzSPHdSOXyY5WIAbLfcjJxn7vsaqN4O+GuneILuC7vbHzi yRLp9xdH9zLl3JALZ3MZ+/TK4xkVn6fb+C9X0u6u5NB1CJLOGO4ZHldVYyoYcKvmHnaNvrg+9Q+M LjwrNq0l3d+HpLiRoY7+3m8yRWkmuVVcMFYYUeTDu69AeMcuPL9oit7bl/c2v53/AEOt0+b4fXWu 3+vx3lvLeWghuJb97h2jj3NLGgVicZ3CVdo9cY5rNaz+FNo/kR3FggvBLbkQXDFCrRB3BIOFGyIH t09TXJeHZvCEGk3mlXPhS6giu5UWXyGkZf3d24ifezAgh338YIyeoFXRYeAb7RrHULfw7ezW+qy+ ShtrpiRs/wBGBZhJ8q4mbv0yT0rT915nJfHWWkb9d/w+VjpJf+FX+Imt7GXULO5jtCtrFHJduIy0 isQo+bDEiQ+p5A7CtHWrH4c3+qzTalcae18Jnt3Mt0QyyyRrE6fe4LIiofYYNedTS+BoLRLvSPCm oT3NnF9viR2lwu0gkEBySxyAVAJJUZBxXSWeh+CfGPitLg+HbqS6vLoyNfSyMq71jL4xvztI7Yw2 R1A4P3V+o08dy6qN/V7fcW59O+EskOTfaUIvJZAEvioWIsowMNwv7sY9MHHeu8+HreH30GR/DRjO nNdThjEW2mZXKynnvuU5Pc5PfNZTfBPwhNpwtH013hAiC77mQsix7xGqsWyAolkUAdmxXU6B4esf DNlJaafEYbd5pJ/LLswDuxZ8ZPALEnA45NTLkt7tzWk8U5fveW3le9yW8/4/rP6v/Kii8/4/rP6v /wCg0Vmdgtl/x9Xv/XQf+grVyqPlXNvPM8SI4kYN8z7ccAeh9KXzb3/nhF/39P8A8TQBdpvljOeM 1U86+/54Rf8Af0//ABNHnX3/ADwi/wC/p/8AiaALflj0GaAgHoKqede/88Iv+/v/ANjR519/zwi/ 7+n/AOJoAt7BjoMUbB6CqnnX3/PCL/v6f/iaPOvv+eEX/f0//E0AWJrdJo2jZVKMCCCMgg1BYaVb 6ZD5NrDHBFktsjUAZPek86+/54Rf9/T/APE0edff88Iv+/p/+JoAt+WAOlJ5YznA/Kqvm3v/ADwi /wC/p/8AiaPOvf8AnhF/39P/AMTQBdHSiqXnXv8Azwi/7+n/AOJo829/54Rf9/T/APE0AF5/x/Wf /A/5UUiw3E9zFJKiRiPONr7s5H0FFAH/2Q== ------=_NextPart_000_0000_01CA328E.A7BC70D0--