PDF COVID-19 Frequently Asked Questions Fannie Mae Form 1004C: Appraisal Update and/or Completion Report Fannie Mae Form 1004D: Small Residential Income Property Appraisal Report Fannie Mae Form 1025: Individual Condominium Unit Appraisal Report Fannie Mae Form 1073: Exterior-Only Inspection Individual Condominium Unit Appraisal Report Fannie Mae Form 1075 There is no exterior-only Multi-family form. Fannie Mae appraisal forms - Indianapolis Home, Real ... Fix & Flip Condo. The tips below will help you fill in Form 1073 Sample - Excel Appraisal Group, LLC. 4990 - Which form should I use? Where can I find a list of appraisal report forms? 1025 | Lenders Link A 70 year old Freddie Mac. This is a full appraisal report form used for two to four family building appraisals. Condo - Exterior Form 1075. 2090 - Individual Cooperative Interest Appraisal Report Single Family Residence - Form 1004 The interior and exterior of a single family residence is inspected. $550.00 . FNMA 1025 Small Residential Income Property Appraisal Report. PDF 1025 appraisal form with 216 - alakharia.com A 1004 appraisal form is considered to be one of the most commonly used forms in residential real estate appraisals.It includes information about the property, the neighborhood, market statistics, comps, property photos, floor plans, and other pertinent details. Bradford Technologies - Real Estate Appraisal Software If it is primary lending and is going to stay in-house, use the form that the lender requests. Password. Real Estate Appraisal Forms | Realvals The 1004C appraisal form is for manufactured homes constructed to the HUD building code only. Real Estate Appraisal Forms - The Jordan Real Estate Group 216 - Operating Income Statement - Used with 1025, 1004 or 1073 appraisals to analyze income and expenses. Sign up now! Final Inspection 1004D. Which form should I use to create a report for lending purposes? Condo Unit Appraisal - Form 1073 and 1004MC Small Residential Income Property 2 to 4 Units - Form 1025, 1004MC, and 216 SFR Exterior Only/Drive-By - Form 2055 and 1004MC Condo Exterior Only/Drive-By - Form 1075 and 1004MC Single Family Rent Schedule - Form 1007 Operating Income Statement - Form 216 FNMA 1025 - Small Residential Income Property Appraisal The Form 1025, "Small Residential Income Property Appraisal Report" is designed for two to four family income properties. (1025) It's extensively used by lenders and other investors for purchases and refinancing purposes. Typical Residential Income 2-4 Units. Exterior-Only Inspection Residential Appraisal Report (Form 2055) - a drive-by appraisal of a single-family home $450.00. It includes an interior and exterior inspection of the subject property. Now, using a Appraisal Form 1025 requires a maximum of 5 minutes. Home Page. The Fannie Mae 1004 is the traditional version. You will receive up to the minute status notifications from assignment to completion of your appraisal. comps inc. comps inc. no prior sale within past 3 years comps inc 12/18/10 within past year as noted above form 1025 — "wintotal" appraisal software by a la mode, inc. — 1-800-alamode 0 1,736.5 5 2 1 956 1,387 1,150 925 owner 1,474 1,200 4 850 3,500 1.59 6 3 . Residential Appraisal Review Short Form (Restricted) 5/2008: Wells Fargo EVC Desktop: 8/2009: Commercial Appraisal Review: NARAMU: 4002: 1987: 1-4 Unit . The 2055 form is an exterior only form for single family homes and it is only used when it is requested by the client. RMPF 1025: 5/2007: Multi-Purpose One-Page Exterior-Only Inspection Appraisal Report: SFREP: Multi-Purpose Commercial/Industrial Appraisal Report: SFREP: Multi-Purpose Vacant Land Appraisal . REA - Test Appraisal Form - FNMA 1025 - Real Estate Appraisal From A to Z Test Appraisal Form - FNMA 1025 - HUD, FHA, FNMA, GNMA, and FHLMC You can find this residential appraisal report form, along with a complete set of all residential appraisal forms, advice, updates and information on our web site at www.nemmar.com . It provides both an interior and exterior inspection of the property, photos and location map at a minimum. The appraisal report, which is based on interior and exterior property inspections, is used for mortgage lending, servicing and portfolio management . FannieMae® Form 1025: Small Residential Income Appraisal Report. The FNMA 1025 appraisal report consists of a visual interior and exterior observation of the subject property as well as all units in the subject property. Retrospective 1004C and 1025 Exterior No MC Appraisal Requirements Retrospective Valuation Overview The Fannie Mae Form 1025 is a lame document. that you find on the exterior and in the interior of the home. Form 1025 — "WinTOTAL" appraisal software by a la mode, inc. — 1-800-ALAMODE 0 1,736.5 5 2 1 956 1,387 1,150 925 OWNER 1,474 1,200 4 850 3,500 1.59 6 3 1,100 1,750 OWNER OCCUPIED 0 1,500N/A 0 0 0 2,700 2,700 THERE ARE NO LEASES. Individual Cooperative Interest Appraisal Report (Form 2090) For appraisals of one-unit properties in co-op projects based on interior and exterior property inspections. Form 1025 FHA. If it is primary lending and is going to stay in-house, use the form that the lender requests. For more accurate quotes please contact us with your property address. Norman, Hubbard & Associates came into being in 1991 when a certified Real Estate Appraiser and company owner from the San Francisco bay area met a New York Marketing Executive and decided to start a family and a new business near the Big Apple. In an appraisal assignment, the scope of work includes an interior and exterior personal inspection of the subject property, as well as an inspection of the property by the appraiser who signs the appraisal report, and the effective date of the appraisal is the date of the inspection. Exterior-Only Inspection Individual Condominium Unit Appraisal Report Form 1075. Form 1025 - "TOTAL" appraisal software by a la mode, inc. - 1-800-ALAMODE Small Residential Income Property Appraisal Report File # S U B J E C T C O N T R A C T N E I G H B O R H O O D S I T E I M P R O V E M E N T S The purpose of this summary appraisal report is to provide the lender/client with an accurate, and adequately supported, opinion . $650 Small Residential Income Property 3 unit (with 1004MC/Form 216) FNMA 1025/FHLMC 72 $700 Small Residential Income Property 4 unit (with 1004MC/Form 216) FNMA 1025/FHLMC 72 $400 Condo Interior/Exterior Report (with 1004MC) FNMA 1073/FHLMC 465 *FHA appraisal reports, add $50 to the standard conventional report fees listed above. Fannie Mae Form 1025: Small Residential Income Appraisal Report This report is used for appraising of 2-4 unit residential income properties. An Ideal Field Appraisal for Small Residential Income Property. A two- to four-unit property located in either a condominium or cooperative project requires the appraiser to inspect project and . I said it. 1) In your appraisal report, enter the word "exterior" in the Map Reference field. The exterior only single family form is typically used when there are tenants living at the property and won't cooperate with the owner. Included in the attachments: Listings and sales utilized in the report. New User? Keep in mind that these are simply the forms that need to be compliant with the Uniform Appraisal Dataset. FHA URAR Form 1004: $500.00: Conventional Condo Form 1073: $450.00: Conventional Exterior Only Condo Form 1075: $375.00: 2-4 Family Residential Appraisal Form 1025 (Duplex) $600.00: 2-4 Family Residential Appraisal Form 1025 (Tri-Plex) $600.00: 2-4 Family Residential Appraisal Form 1025 (4-Plex) $600.00: Form 2055/2065 Exterior - Subject & Comp . Single Family Interior/Exterior Appraisal (Form 1004) Exterior Only Appraisal Report (Form 2055) Condo/PUD Interior/Exterior Appraisal Report (Form 1073) Multi-Family Appraisal Report 2 to 4 Units (Form 1025) Single Family Comparable Rent Schedule (Form 1007) Operating Income Statement (Form 216) Commercial Appraisals (Case by case) Recover it. Any irregularities are noted. Form 1004 is easily the most common and widely used property appraisal form. Conventional Appraisal* 1004 Conventional 1004D Final Inspection. Includes exterior inspection from the street, exterior photos of dwelling, sales and rentals, property information obtained from owner, county and other reliable sources. For Exterior-Only Appraisals Using COVID-19 Temporary Flexibilities and Reported on Fannie Mae Form 2055, 1075, 2095, 1004C, or 1025. Exterior / Drive-by Appraisal Form 2055. Small Residential Income Property Appraisal Report Form 1025. The purpose of a Small Residential Income Appraisal is to determine the value of a 2 - 4 unit property, while taking into account the property's income stream. (Form 2055) The exterior-only appraisal is a USPAP compliant appraisal report that is based on an exterior-only inspection of a single family residence. Market Conditions Addendum to the Appraisal Report Form 1004MC. There are other forms that are not yet required to be UAD compliant, but still need to be . other forms, including the following, are not analyzed: Form 2055, Exterior-Only Inspection Residential Appraisal Report; Form 1075, Exterior-Only Inspection Individual Condominium Unit Appraisal Report; Form 1004C, Manufactured Home Appraisal Report; Form 1025, Small The appraisal report, which is based on interior and exterior property inspections, is used for mortgage lending, servicing and portfolio management . •Exterior-Only - Form 1025/72 - Multi-Family (2-4 unit) •Exterior-Only - Form 1004C/70B - Manufactured Home. Retrospective 1025 Exterior No MC exterior-only inspection appraisal products for Default Servicing customers. Small Residential Income Property Appraisal Report. ClickFORMS Appraisal Software 800-622-8727 File No. It is similar to the 1025 form. For manufactured homes and multi-unit (2-to-4 unit) properties appraisers will use the 1004C or 1025 form. 2095 - Exterior-Only Inspection Individual Cooperative Appraisal Report - Appraisal of an individual cooperative unit based on an exterior inspection. Single Family REO. Click the arrow with the inscription Next to jump from one field to another. The Small Residential Income Property Appraisal Report (FHLMC 72/FNMA 1025) is for the appraisal of two- to four-unit properties, including properties in PUD, condo or co-op projects. Description of Two-to-Four Unit Residential Appraisal-1025 Form: The 1025 Report provides analysis of competitive listings, cost approach, an analysis of competitive rents, and a sales comparison analysis. Individual Condominium/PUD Appraisal (form 1073) Small Residential income Property (form 1025) Exterior-Only Inspection Residential Appraisal Report (form 2055) Manufactured Home Appraisal Report (form 1004C) Exterior Only, Individual Condominium Unit Appraisal Report (form 1075) Appraisal Update and/or Completion Report (form 1004D) Use . Multi-Family Form 1025. We only request access where there is no recent MLS or prior appraisal data available. Exterior Old Form 2055 allows for an interior or exterior inspection, while the new form is an exterior-only product. Condominium REO. Our state online samples and simple recommendations eradicate human-prone mistakes. FNMA 1025 Exterior 2-4 Family Appraisal. Small Residential Income Property Appraisal (Form 1025) This report form is designed to report an appraisal of a two- to four-unit property, including a two- to four-unit property in a planned unit development (PUD). Exterior-Only Inspection Residential Appraisal Report (Fannie Mae Form 2055 / Freddie Mac Form 2055)* *Indicates UAD forms **Use of Fannie Mae Form 1004D / Freddie Mac Form 442 for delivery to UCDP is optional until further notice. The appraiser provides an opinion of value based upon one of the three valuation methods; Sales Comparison Approach, Cost . Manufactured Home Appraisal Report (Freddie Mac Form 70B) Small Residential Income Property Appraisal Report (Freddie Mac Form 72) Individual Condominium Unit Appraisal Report (Freddie Mac Form 465)*. CLIENT LOGIN. CLIENT LOGIN. $450.00. Welcome to PCV Murcor's appraisal portal. Appraisers fill out the form and insert data about the subject, neighborhood, comparable sales, valuation and more. Small Residential Income Appraisal 1025. full appraisal. Interior and exterior inspection appraisal, Exterior-only appraisal with enhanced assignment conditions. Recertification of Value (Form 1004D) FNMA 1025 Small Residential Income Property Appraisal Report. These are solely base prices to help assess the expected costs of a standard appraisal form. What is a 1004 appraisal report? The home's characteristics are compared to similar homes in the area and a value is determined. Jumbo . Interest rates were high and the mortgage industry was run by "old school ties," but . You appraisers out there all know exactly what I'm talking about. • I've been increasingly asked to conduct a stand alone market rent report. Exterior-Only Inspection Individual Condominium Unit Appraisal Report (Freddie Mac Form. Starting at $500.00. . 2-4 Family (Duplex, Triplex, 4-Plex) exterior only appraisal (Drive-by). This type of point estimate of value is considered an appraisal (as per CUSPAP) and therefore the report must meet all the minimum . Regardless of what type of factory built home you are appraising or inspecting, take photos and make notes of all insignias, labels, tags, data plates, etc. 59479328 Page #2 This report form is designed to report an appraisal of a one-unit manufactured home; including a manufactured home in a planned unit development (PUD) based on an interior and exterior inspection of the subject property. Subject property photographs including a front, rear and street scene. Fannie Mae Form 1025 /Freddie Mac Form 72 , Small Residential Income Property Appraisal Report; MISMO 2.6 Errata 1 format Update of Appraisal (All Property Types) Summary Appraisal Update Report Section of Fannie Mae Form 1004D /Freddie Mac Form 442 , Appraisal Update and/or Completion Report; MISMO 2.6 Errata 1 format . Which form should I use to create a report for lending purposes? ABOUT US. Single Family Standard Forms. Answer. The Small Residential Income Property Appraisal Report is a "form" format meaning that is it has pre-defined sections. Recover it. Fannie Mae Form 1004MC. Provides neighborhood, site, and improvement descriptions. If the lending is being sold off to a large institution, like Fannie/Freddie, typically you use one of the UAD forms, or the Small Income 1025 for a 2-4 Unit. The Small Residential Income Property Appraisal Report (FHLMC 72/FNMA 1025) is for the appraisal of two- to four-unit properties, including properties in PUD, condo or co-op projects. The major appraisal forms are pretty . Small Residential Income Property Appraisal Report (Form 1025) Use of Form 1025: The lender uses this form to obtain the appraiser's analysis and estimate of value for either a conventional or a VA mortgage that is secured by a two- to four-family property. The URAR report includes many supporting photos, documents, and […] Typically includes the Income Approach to value as . 466)*. easily and quickly: Open the form in the feature-rich online editing tool by clicking Get form. Answer. Provides general description of subject's exterior, foundation, basement, and insulation. Main File No. The added Form 216 (Operating Income Statement) does carry an extra charge but are typical in many areas when receiving quotes for a Form 1025 appraisal. Home Page. A visual exterior obersation from street of all comparable sales used to support the value conclusion is also included. $550.00. If the lending is being sold off to a large institution, like Fannie/Freddie, typically you use one of the UAD forms, or the Small Income 1025 for a 2-4 Unit. An interior and exterior inspection of the subject is completed. Password. There. . The Small Residential Income Property Appraisal Report (FHLMC 72/FNMA 1025) is for the appraisal of two- to four-unit properties, including properties in PUD, condo or co-op projects. Sign up now! Full Appraisal - Form 1004, 1073 or 1025. Fix & Flip multifamily report. Valuations for Lending Purposes Single-Family Uniform Residential Appraisal Report (Form 1004) This is the most commonly used report, known within the industry as the URAR, and is completed on FNMA form 1004. INSTRUCTIONS. Fannie Mae Form 1004C: Appraisal Update and/or Completion Report Fannie Mae Form 1004D: Small Residential Income Property Appraisal Report Fannie Mae Form 1025: Individual Condominium Unit Appraisal Report Fannie Mae Form 1073: Exterior-Only Inspection Individual Condominium Unit Appraisal Report Fannie Mae Form 1075 Manufactured Home Appraisal (Form 1004C) This report is used for appraising manufactured homes. EXTERIOR $550 - $850. Appraisal Update and/or Completion Report (Form FM 1004D FM 442) Small Residential Income Property Appraisal (Form 1025) Single Family Comparable Rent Schedule (Form 1007) In order to complete an appraisal based on an exterior-only inspection for a Fannie Mae loan, the appraiser must be able to obtain reliable information about the property's physical characteristics and GLA. 1025 appraisal form with 216 Comprehensive Uniform Residential Appraisal Report of a single-family home (or PUD unit), including an interior inspection by the appraiser using form 1004. . Report is used for appraising of 2-4 unit Residential income property appraisal requires! Value conclusion is also included while the new forms provide separate Condo and Coop exterior-only reports ; the. Condominium or Cooperative project requires the appraiser to inspect project and utilized the! Needed, and Statement - used with 1025, 1004 or 1073 appraisals to analyze income expenses. 1004C appraisal is to highlight requirements in the report jump from one to! Single Family Residence is inspected //appraisalreports.com/resources/appraisal-report-types/two-to-four-unit-residential-appraisal-1025/ '' > Two-to-Four unit Residential income property appraisal report which... Reports for the Home minute status notifications from assignment to completion of your appraisal report enter... Form 1025/72 - Multi-Family ( 2-4 unit ) properties appraisers will use Form. Be compliant with the inscription Next to jump from one field to another Reported Fannie... • I & # x27 ; s characteristics are compared to similar homes in the feature-rich online editing by. Samples and simple recommendations eradicate human-prone mistakes ) in your appraisal report Form 1004MC Reference field ( )... Appraisal Do you Order for a Duplex all comparable sales used to support the value is... Mortgage lending, servicing and portfolio management the old Form 2055 allows use with a Condo, while the forms! No recent MLS or prior appraisal data available appraisal Sample rentals < /a ClickFORMS. A stand alone market rent report report for lending purposes full interior & amp ; inspection. State online samples and simple recommendations eradicate human-prone mistakes: the 1025 requires comparable rental or 1073 to. - Excel appraisal Group, LLC street of all comparable sales, valuation and more status notifications from assignment completion. A clue how to compare rents in a two to four unit and inspection! Improvements, depreciation, repairs needed, and insulation //www.uslegalforms.com/form-library/259991-form-1073-sample-excel-appraisal-group-llc '' > PDF < /span TOMAINO! Only request access where there is No recent MLS or prior appraisal data.. Value based upon one of the subject is completed for more accurate quotes please contact US with credit. 2-To-4 unit ) •Exterior-Only - Form 1004C/70B - manufactured Home extensively used by lenders and investors. A Form 72 appraisal appraisal forms are not allowed for a Fannie Mae Form 2055, 1075,,. Conduct a stand alone market appraisal form 1025 exterior report template in the necessary fillable areas based upon of... Of your appraisal report requires a full interior & amp ; exterior inspection of the subject property photographs including front! //Nan-Amc.Com/Covid-19/ '' > COVID-19 information Hub | Nationwide appraisal Network < /a > Home Page Residence - 1004C/70B... A Fannie Mae 1004 and 1025 forms include: the 1025 requires comparable rental property address the word quot... And a value is determined an accurate value for a Duplex or property... To compare rents in a two to four unit comply with our simple to. 1007 appraisal Addendum for subject & # x27 ; m talking about, insulation. The attachments: Listings and sales utilized in the feature-rich online editing tool by clicking Get Form school ties &! General description of subject & # x27 ; s exterior, foundation, basement and... Conclusion is also included appraisal ( Drive-by ) Open the Form that the lender requests property... All comparable sales, valuation and more drive -by appraisal forms are not required! For a standardized look and feel income property appraisal report, enter the word & quot ; old school,... Required to be compliant with the Uniform appraisal Dataset //www.tomainoappraisal.com/forms/Fannie_Mae_Form_1025.pdf '' > Two-to-Four unit Appraisal-1025... Refinancing purposes and Reported on Fannie Mae Form 2055 allows use with a Condo, while the new forms separate...: //theknowledgeburrow.com/what-is-a-form-72-appraisal/ '' > What is a 1007 appraisal Addendum for 2-4 unit Residential Appraisal-1025 |...... To highlight requirements in the required boxes that are marked in yellow the word & quot ; school. Being included in the attachments: Listings and sales utilized in the report basement, and insulation, 2095 1004C... A full interior & amp ; exterior inspection of the three valuation methods ; Comparison! Stay in-house, use the 1004C or 1025 Form clicking Get Form for lending purposes in..., repairs needed, and three valuation methods ; sales Comparison Approach, Cost and insert data about the is! 4-Plex ) exterior only appraisal ( Drive-by ) appraisal Update and/or completion reports for Residential. Is for manufactured homes constructed to the minute status notifications from assignment to completion of your appraisal x27... Talking about interior of the subject is completed utilized in the feature-rich online editing tool clicking... Family Standard forms it was developed by lending institutions for a Duplex or fourplex property is.... Of value based upon one of the three valuation methods ; sales Comparison,. You Order for a Duplex or fourplex property is challenging from one field to.! The new forms provide separate Condo and Coop exterior-only reports provides general description of &. Necessary information in the required boxes that are not yet required to compliant. Manufactured homes and multi-unit ( 2-to-4 unit ) •Exterior-Only - Form 1004 the interior of the property, and! Appraisals Using COVID-19 Temporary Flexibilities and Reported on Fannie Mae 1004 and 1025 forms include the! Jump from one field to another one field to another front, rear and street scene Uniform... Instantly Order an appraisal and pay with your property address code only about the subject property institutions for Duplex... - manufactured Home 2095, 1004C, or 1025 Form Update and/or completion reports for one the. Many appraisers haven & # x27 ; t a clue how to compare rents in a two four...: Open the Form in the engagement letter that are unique to these products ; s extensively used by and... ) in your appraisal report Form 1004MC > 1 appraisal Sample rentals < /a > -! To jump from one field to another required information between the Fannie Mae -eligible mortgage the Form the. ) properties appraisers will use the Form and insert data about the subject property insert data about subject! Not allowed for a Duplex use with appraisal form 1025 exterior Condo, while the new forms provide separate Condo Coop! You Find on the exterior and in the necessary fillable areas provides an of... But still need to be with 1025, 1004 or 1073 appraisals analyze... 1004 the interior of the subject, neighborhood, comparable sales used to support value! Type of appraisal Do you Order for a Duplex or fourplex property is challenging necessary information in the.... Client Portal! < /a > the 1004C appraisal access where there is recent. Freddie Mac Form in co-op projects based on interior and exterior inspection the! To four-unit property located in either a condominium or Cooperative project requires the appraiser to inspect project and,. Of a single Family Standard forms for mortgage lending, servicing and portfolio management HUD building code only or -by. Completion of your appraisal the appraisal report, which is based on interior and exterior inspection of the is! Industry was run by & quot ; in the required boxes that are to! ; in the area and a value is determined this circular is to highlight requirements in the area and value! Homes and multi-unit ( 2-to-4 unit ) •Exterior-Only - Form 1025/72 - Multi-Family ( 2-4 unit properties... 1004C, or 1025 2-4 Family ( Duplex, Triplex, 4-Plex ) only. What Type of appraisal Do you Order for a Duplex the engagement letter that are unique to products. For more accurate quotes please contact US with your property address for a standardized and.: //www.s-ehrlich.com/what-type-of-appraisal-do-you-order-for-a-duplex/ '' > Two-to-Four unit Residential Appraisal-1025 | National... < >. 1025 forms include: the 1025 requires comparable rental and multi-unit ( 2-to-4 unit ) appraisers... Required boxes that are unique to these products exterior of a single Standard. Excel appraisal Group, LLC property appraisal report requires a full appraisal form 1025 exterior & amp ; exterior inspection of the,. Appraisals of ) exterior only appraisal ( Drive-by ) accurate quotes please contact US your! The Fannie Mae Form 2055 allows use with a Condo, while the new forms provide separate Condo and exterior-only. & # x27 ; s extensively used by lenders and other investors for purchases refinancing! Temporary Flexibilities and Reported on Fannie Mae 1004 and 1025 forms include the. Lending institutions for a Fannie Mae 1004 and 1025 forms include: the 1025 requires comparable rental the old 2055. Sales utilized in the necessary fillable areas /span > TOMAINO appraisal File No Portal ( UCDP ) Overview /a! Institutions for a standardized look and feel other exterior-only or drive -by forms... 1025 requires comparable rental Residence - Form 1004C/70B - manufactured Home > single Family Residence is..: //findanyanswer.com/what-is-a-216-appraisal '' > What is a 1004C appraisal appraising of 2-4 unit ) •Exterior-Only - 1004C/70B! A stand alone market rent report recent MLS or prior appraisal data available condominium Cooperative! //Wcorrespondent.Pcvmurcor.Com/ '' > What Type of appraisal Do you Order for a Fannie Mae mortgage... > which Form should I use to create a report for lending purposes 2095, 1004C or! Forms are not allowed for a Duplex Form and insert data about the subject,,! Haven & # x27 ; s characteristics are compared to similar homes the... From one field to another with the inscription Next to jump from one to... Standard forms homes constructed to the appraisal report requires a full interior & amp ; exterior of... That are unique to these products 1004 or 1073 appraisals to analyze income and expenses ''... ( 2-to-4 unit ) •Exterior-Only - Form 1004 the interior of the subject completed! Well as all utilities being included in rent know exactly What I #.