{"id":27304,"date":"2019-11-15T10:01:42","date_gmt":"2019-11-15T17:01:42","guid":{"rendered":"https:\/\/www.itmtrading.com\/blog\/?p=27304"},"modified":"2021-01-04T10:40:18","modified_gmt":"2021-01-04T17:40:18","slug":"court-rules-mortgages-to-vanish-this-could-change-everything-in-real-estate","status":"publish","type":"post","link":"https:\/\/www.itmtrading.com\/blog\/court-rules-mortgages-to-vanish-this-could-change-everything-in-real-estate\/","title":{"rendered":"COURT RULES MORTGAGES TO VANISH: This Could Change Everything in Real Estate"},"content":{"rendered":"<p>As things get even harrier with our economy there are some new concerns around Home Mortgages you&#8217;ll be shocked to hear&#8230;which could absolutely change everything Real Estate. I&#8217;ll show you my findings and a lot more as I take you &#8220;Beyond the Headlines&#8221; with today&#8217;s 10-minute Breakdown&#8230;Coming up!<\/p>\n<p><strong>Have more questions that need to get answered? Call: 844-495-6042<\/strong><\/p>\n<p><a href=\"https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide1-3.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-27305 aligncenter\" src=\"https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide1-3.jpg\" alt=\"\" width=\"960\" height=\"720\" srcset=\"https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide1-3.jpg 960w, https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide1-3-300x225.jpg 300w, https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide1-3-768x576.jpg 768w, https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide1-3-720x540.jpg 720w, https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide1-3-500x375.jpg 500w, https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide1-3-75x56.jpg 75w\" sizes=\"auto, (max-width: 960px) 100vw, 960px\" \/><\/a><\/p>\n<p style=\"text-align: center;\"><a href=\"https:\/\/www.bloomberg.com\/news\/articles\/2019-11-06\/america-s-housing-crunch-is-so-bad-it-may-hurt-city-bond-ratings?srnd=fixed-income\" target=\"_blank\" rel=\"noopener\">https:\/\/www.bloomberg.com\/news\/articles\/2019-11-06\/america-s-housing-crunch-is-so-bad-it-may-hurt-city-bond-ratings?srnd=fixed-income<\/a><\/p>\n<p style=\"text-align: center;\"><a href=\"https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide2-3.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-27306\" src=\"https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide2-3.jpg\" alt=\"\" width=\"960\" height=\"720\" srcset=\"https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide2-3.jpg 960w, https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide2-3-300x225.jpg 300w, https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide2-3-768x576.jpg 768w, https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide2-3-720x540.jpg 720w, https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide2-3-500x375.jpg 500w, https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide2-3-75x56.jpg 75w\" sizes=\"auto, (max-width: 960px) 100vw, 960px\" \/><\/a><\/p>\n<p style=\"text-align: center;\"><a href=\"https:\/\/www.bloomberg.com\/news\/articles\/2019-11-12\/washington-d-c-joins-muni-selling-spree-with-record-bond-deal?srnd=premium\" target=\"_blank\" rel=\"noopener\">https:\/\/www.bloomberg.com\/news\/articles\/2019-11-12\/washington-d-c-joins-muni-selling-spree-with-record-bond-deal?srnd=premium<\/a><\/p>\n<p style=\"text-align: center;\"><a href=\"https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide3-3.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-27307\" src=\"https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide3-3.jpg\" alt=\"\" width=\"960\" height=\"720\" srcset=\"https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide3-3.jpg 960w, https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide3-3-300x225.jpg 300w, https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide3-3-768x576.jpg 768w, https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide3-3-720x540.jpg 720w, https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide3-3-500x375.jpg 500w, https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide3-3-75x56.jpg 75w\" sizes=\"auto, (max-width: 960px) 100vw, 960px\" \/><\/a><\/p>\n<p style=\"text-align: center;\"><a href=\"https:\/\/www.bloomberg.com\/opinion\/articles\/2019-11-11\/8th-circuit-ruling-adds-risk-to-secondary-mortgage-loan-market?cmpid=BBD111219_BIZ&amp;utm_medium=email&amp;utm_source=newsletter&amp;utm_term=191112&amp;utm_campaign=bloombergdaily\" target=\"_blank\" rel=\"noopener\">https:\/\/www.bloomberg.com\/opinion\/articles\/2019-11-11\/8th-circuit-ruling-adds-risk-to-secondary-mortgage-loan-market?cmpid=BBD111219_BIZ&amp;utm_medium=email&amp;utm_source=newsletter&amp;utm_term=191112&amp;utm_campaign=bloombergdaily<\/a><\/p>\n<p style=\"text-align: center;\"><a href=\"https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide4-3.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-27308\" src=\"https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide4-3.jpg\" alt=\"\" width=\"960\" height=\"720\" srcset=\"https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide4-3.jpg 960w, https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide4-3-300x225.jpg 300w, https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide4-3-768x576.jpg 768w, https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide4-3-720x540.jpg 720w, https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide4-3-500x375.jpg 500w, https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide4-3-75x56.jpg 75w\" sizes=\"auto, (max-width: 960px) 100vw, 960px\" \/><\/a><\/p>\n<blockquote class=\"wp-embedded-content\" data-secret=\"WFI8oSUtOQ\"><p><a href=\"https:\/\/www.creditsesame.com\/blog\/loans\/guide-recourse-non-recourse-loans\/\" target=\"_blank\" rel=\"noopener\">Everything You Need to Know About Recourse &#038; Non-Recourse Loans<\/a><\/p><\/blockquote>\n<p><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; visibility: hidden;\" title=\"&#8220;Everything You Need to Know About Recourse &#038; Non-Recourse Loans&#8221; &#8212; Credit Sesame\" src=\"https:\/\/www.creditsesame.com\/blog\/loans\/guide-recourse-non-recourse-loans\/embed\/#?secret=DS0NDSwmg9#?secret=WFI8oSUtOQ\" data-secret=\"WFI8oSUtOQ\" width=\"600\" height=\"338\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe><\/p>\n<p style=\"text-align: center;\"><a href=\"https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide5-3.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-27309\" src=\"https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide5-3.jpg\" alt=\"\" width=\"960\" height=\"720\" srcset=\"https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide5-3.jpg 960w, https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide5-3-300x225.jpg 300w, https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide5-3-768x576.jpg 768w, https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide5-3-720x540.jpg 720w, https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide5-3-500x375.jpg 500w, https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide5-3-75x56.jpg 75w\" sizes=\"auto, (max-width: 960px) 100vw, 960px\" \/><\/a><\/p>\n<p style=\"text-align: center;\"><a href=\"https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide6-3.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-27310\" src=\"https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide6-3.jpg\" alt=\"\" width=\"960\" height=\"720\" srcset=\"https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide6-3.jpg 960w, https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide6-3-300x225.jpg 300w, https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide6-3-768x576.jpg 768w, https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide6-3-720x540.jpg 720w, https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide6-3-500x375.jpg 500w, https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide6-3-75x56.jpg 75w\" sizes=\"auto, (max-width: 960px) 100vw, 960px\" \/><\/a><\/p>\n<p style=\"text-align: center;\"><a href=\"https:\/\/fred.stlouisfed.org\/series\/FYFSD\" target=\"_blank\" rel=\"noopener\">https:\/\/fred.stlouisfed.org\/series\/FYFSD<\/a><\/p>\n<p style=\"text-align: center;\"><a href=\"https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide7-1.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-27311\" src=\"https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide7-1.jpg\" alt=\"\" width=\"960\" height=\"720\" srcset=\"https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide7-1.jpg 960w, https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide7-1-300x225.jpg 300w, https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide7-1-768x576.jpg 768w, https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide7-1-720x540.jpg 720w, https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide7-1-500x375.jpg 500w, https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide7-1-75x56.jpg 75w\" sizes=\"auto, (max-width: 960px) 100vw, 960px\" \/><\/a><\/p>\n<p style=\"text-align: center;\"><a href=\"https:\/\/www.cnbc.com\/2019\/11\/11\/moodys-bleak-outlook-for-government-debt-amid-political-instability.html\" target=\"_blank\" rel=\"noopener\">https:\/\/www.cnbc.com\/2019\/11\/11\/moodys-bleak-outlook-for-government-debt-amid-political-instability.html<\/a><\/p>\n<p style=\"text-align: center;\"><a href=\"https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide8-1.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-27312\" src=\"https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide8-1.jpg\" alt=\"\" width=\"960\" height=\"720\" srcset=\"https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide8-1.jpg 960w, https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide8-1-300x225.jpg 300w, https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide8-1-768x576.jpg 768w, https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide8-1-720x540.jpg 720w, https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide8-1-500x375.jpg 500w, https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide8-1-75x56.jpg 75w\" sizes=\"auto, (max-width: 960px) 100vw, 960px\" \/><\/a><\/p>\n<p style=\"text-align: center;\"><a href=\"https:\/\/www.bloomberg.com\/news\/articles\/2019-11-14\/severe-15-8-trillion-pension-crisis-looms-worldwide-g-30-says\" target=\"_blank\" rel=\"noopener\">https:\/\/www.bloomberg.com\/news\/articles\/2019-11-14\/severe-15-8-trillion-pension-crisis-looms-worldwide-g-30-says<\/a><\/p>\n<p style=\"text-align: center;\"><a href=\"https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide9-1.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-27313\" src=\"https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide9-1.jpg\" alt=\"\" width=\"960\" height=\"720\" srcset=\"https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide9-1.jpg 960w, https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide9-1-300x225.jpg 300w, https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide9-1-768x576.jpg 768w, https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide9-1-720x540.jpg 720w, https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide9-1-500x375.jpg 500w, https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide9-1-75x56.jpg 75w\" sizes=\"auto, (max-width: 960px) 100vw, 960px\" \/><\/a><\/p>\n<p style=\"text-align: center;\"><a href=\"https:\/\/www.cnbc.com\/2019\/11\/11\/moodys-bleak-outlook-for-government-debt-amid-political-instability.html\" target=\"_blank\" rel=\"noopener\">https:\/\/www.cnbc.com\/2019\/11\/11\/moodys-bleak-outlook-for-government-debt-amid-political-instability.html<\/a><\/p>\n<p style=\"text-align: center;\"><a href=\"https:\/\/www.wsj.com\/articles\/why-the-fed-is-losing-potency-11572276821?mod=article_inline\" target=\"_blank\" rel=\"noopener\">https:\/\/www.wsj.com\/articles\/why-the-fed-is-losing-potency-11572276821?mod=article_inline<\/a><\/p>\n<p style=\"text-align: center;\"><a href=\"https:\/\/fred.stlouisfed.org\/series\/M2V\" target=\"_blank\" rel=\"noopener\">https:\/\/fred.stlouisfed.org\/series\/M2V<\/a><\/p>\n<p style=\"text-align: center;\"><a href=\"https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide10-1.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-27314\" src=\"https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide10-1.jpg\" alt=\"\" width=\"960\" height=\"720\" srcset=\"https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide10-1.jpg 960w, https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide10-1-300x225.jpg 300w, https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide10-1-768x576.jpg 768w, https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide10-1-720x540.jpg 720w, https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide10-1-500x375.jpg 500w, https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide10-1-75x56.jpg 75w\" sizes=\"auto, (max-width: 960px) 100vw, 960px\" \/><\/a><\/p>\n<p style=\"text-align: center;\"><a href=\"https:\/\/fred.stlouisfed.org\/series\/PSAVERT\" target=\"_blank\" rel=\"noopener\">https:\/\/fred.stlouisfed.org\/series\/PSAVERT<\/a><\/p>\n<p style=\"text-align: center;\"><a href=\"https:\/\/www.cnbc.com\/2019\/11\/11\/many-americans-are-fighting-the-fed-good-for-them.html?__twitter_impression=true&amp;recirc=taboolainternal\" target=\"_blank\" rel=\"noopener\">https:\/\/www.cnbc.com\/2019\/11\/11\/many-americans-are-fighting-the-fed-good-for-them.html?__twitter_impression=true&amp;recirc=taboolainternal<\/a><\/p>\n<p style=\"text-align: center;\"><a href=\"https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide11-1.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-27315\" src=\"https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide11-1.jpg\" alt=\"\" width=\"960\" height=\"720\" srcset=\"https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide11-1.jpg 960w, https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide11-1-300x225.jpg 300w, https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide11-1-768x576.jpg 768w, https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide11-1-720x540.jpg 720w, https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide11-1-500x375.jpg 500w, https:\/\/www.itmtrading.com\/blog\/wp-content\/uploads\/2019\/11\/Slide11-1-75x56.jpg 75w\" sizes=\"auto, (max-width: 960px) 100vw, 960px\" \/><\/a><\/p>\n<p style=\"text-align: center;\"><a href=\"https:\/\/www.bloomberg.com\/news\/articles\/2019-11-14\/u-s-jobless-claims-rose-last-week-to-highest-level-since-june\" target=\"_blank\" rel=\"noopener\">https:\/\/www.bloomberg.com\/news\/articles\/2019-11-14\/u-s-jobless-claims-rose-last-week-to-highest-level-since-june<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>As things get even harrier with our economy there are some new concerns around Home Mortgages you&#8217;ll be shocked to hear&#8230;which [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":27330,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1710],"tags":[],"class_list":["post-27304","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-breaking-news"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.itmtrading.com\/blog\/wp-json\/wp\/v2\/posts\/27304","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.itmtrading.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.itmtrading.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.itmtrading.com\/blog\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/www.itmtrading.com\/blog\/wp-json\/wp\/v2\/comments?post=27304"}],"version-history":[{"count":6,"href":"https:\/\/www.itmtrading.com\/blog\/wp-json\/wp\/v2\/posts\/27304\/revisions"}],"predecessor-version":[{"id":29509,"href":"https:\/\/www.itmtrading.com\/blog\/wp-json\/wp\/v2\/posts\/27304\/revisions\/29509"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.itmtrading.com\/blog\/wp-json\/wp\/v2\/media\/27330"}],"wp:attachment":[{"href":"https:\/\/www.itmtrading.com\/blog\/wp-json\/wp\/v2\/media?parent=27304"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.itmtrading.com\/blog\/wp-json\/wp\/v2\/categories?post=27304"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.itmtrading.com\/blog\/wp-json\/wp\/v2\/tags?post=27304"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}