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	<title>Barack Home Loan Program</title>
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	<link>http://barackloan.com</link>
	<description>Obama Loan Program for Homeowners</description>
	<lastBuildDate>Fri, 18 May 2012 07:26:52 +0000</lastBuildDate>
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		<title>Why carports, awing and shades are important</title>
		<link>http://barackloan.com/why-carports-awing-and-shades-are-important/</link>
		<comments>http://barackloan.com/why-carports-awing-and-shades-are-important/#comments</comments>
		<pubDate>Fri, 18 May 2012 07:26:52 +0000</pubDate>
		<dc:creator>thomas mak</dc:creator>
				<category><![CDATA[General Question]]></category>
		<category><![CDATA[awning]]></category>
		<category><![CDATA[carports]]></category>
		<category><![CDATA[shades]]></category>

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		<description><![CDATA[&#160; &#60;p&#62;These times we take for providing most houses have either a garage area position place position or a &#60;a href=&#8221;http://www.cantaport.com.au/carports&#8221;&#62;carports&#60;/a&#62;; though the car position can be either connected, independently, or one designed using car position places. But the car has only been around for about 125 decades, beginning when Karl Benz complex his first [...]]]></description>
			<content:encoded><![CDATA[<p><p>&nbsp;</p>
<p>&lt;p&gt;These times we take for providing most houses have either a garage area position place position or a &lt;a href=&#8221;http://www.cantaport.com.au/carports&#8221;&gt;carports&lt;/a&gt;; though the car position can be either connected, independently, or one designed using car position places. But the car has only been around for about 125 decades, beginning when Karl Benz complex his first web page in Malaysia for his three going Motor wagen. Starting automobiles were originally began to the elements. Later, though secured, they were not very restricted for water, so some way of defending was necessary to provide your new, modern automobile. I believe at first people just used their barns. After all, hers were still the primary way of transportation, and I believe even after purchasing a car, they still kept many of their horse. After all, what if the automobile was just a going previous fad? I am not sure when they began creating houses with a dedicated garage area position place position, I would think because of 1900&#8242;s. But the first carports were seen as soon as 1909. They were used by Prairie Organization developer Wally Burle Griffin in IL. By 1913 they were used by other Prairie Organization (architectural style used in the late 19th century and beginning Last century, especially in the Area that used options of aspect to aspect kind just like the regional prairie landscape) developers as well.&lt;/p&gt;&lt;p&gt;</p>
<p>&nbsp;</p>
<p>These three all operate as &lt;a href=&#8221;http://www.cantaport.com.au/&#8221;&gt;shades&lt;/a&gt; or protects for outside requirements. They should not be wrong for the other though.Each one is exclusive on its own. Awning are described in past sentences. The canopy are always removable and parts of which needs to be created. Awning however, may or may not removable. Umbrellas are the most convenient due to dimension. There may be extremely bigger umbrellas but in common, these are little.&lt;/p&gt;&lt;p&gt;</p>
<p>&nbsp;</p>
<p>When you want to buy terrace &lt;a href=&#8221;http://www.cantaport.com.au/awnings&#8221;&gt;awning&lt;/a&gt;, consider excellent, funds, and design. How it looks like creates all the change.This guideline is applicable especially when the awnings is designed to be connected where it is most noticeable.Budget and excellent should collaborate closely. Do not negotiate for the most cost-effective right away. Look for products with amazing excellent at reasonable costs.&lt;/p&gt;&lt;p&gt;</p>
<p>&nbsp;</p>
<p>When you strategy to develop one of your own, there are do it yourself or DIY offers you can purchase. Guidelines are&nbsp;</p>
<p>offered for every phase. Developing the area content and appears are first in the record. It is followed by linking the groundwork or top per se. When done, it is that come with the content. To lay down the canvass with the protect comes next. The result is then connected safely to the top.Patio awnings are great color and protect associates for all your do it yourself needs. They are easy to develop, set up, and sustain.&lt;/p&gt;&lt;p&gt;</p></p>
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		<title>Is Online Marketing Necessary For a Website</title>
		<link>http://barackloan.com/is-online-marketing-necessary-for-a-website/</link>
		<comments>http://barackloan.com/is-online-marketing-necessary-for-a-website/#comments</comments>
		<pubDate>Thu, 17 May 2012 16:19:45 +0000</pubDate>
		<dc:creator>adam 786110</dc:creator>
				<category><![CDATA[General Question]]></category>
		<category><![CDATA[affiliate]]></category>
		<category><![CDATA[marketing]]></category>
		<category><![CDATA[Online]]></category>
		<category><![CDATA[programs]]></category>
		<category><![CDATA[seo]]></category>
		<category><![CDATA[Services]]></category>
		<category><![CDATA[uk]]></category>

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		<description><![CDATA[Internet marketing, web marketing or online marketing is the new way to get your business global. No matter how large or small your company is, online marketing can help you travel miles in just clicks. It can help attract customers from around the world and take your brand ocean toocean. You can easily get your [...]]]></description>
			<content:encoded><![CDATA[<p><p style="font-family: Georgia, 'Times New Roman', 'Bitstream Charter', Times, serif;line-height: 19px">Internet marketing, web marketing or online marketing is the new way to get your business global. No matter how large or small your company is, online marketing can help you travel miles in just clicks. It can help attract customers from around the world and take your brand ocean to<br />ocean. You can easily get your goals achieved by&nbsp;<a href="http://www.growdigitalmedia.co.uk/services/marketing">online marketing UK</a>&nbsp;companies that offer&nbsp;<a href="http://www.growdigitalmedia.co.uk/services/seo">SEO Services</a>, email marketing, inbound marketing services, search engine marketing and many other activities.</p>
<p style="font-family: Georgia, 'Times New Roman', 'Bitstream Charter', Times, serif;line-height: 19px">Internet marketing can be expensive if you have just started your business, but when compared<br />to the benefits it can give, the cost that it bears seems nothing. Internet marketing or online<br />marketing is a great way to reach a wide range of audience. Online marketing not only helps in<br />increasing sales, but it also makes you understand your customer and let you socialize with them.<br />You can easily get immediate feedback of your customers through blogs and discussions on the<br />website.</p>
<p style="font-family: Georgia, 'Times New Roman', 'Bitstream Charter', Times, serif;line-height: 19px">To get your business to the right customers it is very important to have a unique website. A<br />web design companycan be helpful in this regard and can understand your requirements very well.<br />A good website should always portray what you are in reality and not be vague.</p>
<p style="font-family: Georgia, 'Times New Roman', 'Bitstream Charter', Times, serif;line-height: 19px">Online marketing is not just confined to selling products and services. Banking and other sectors have widely taken help from internet marketing to facilitate customers in several ways. Online banking is more convenient and faster than usual banking and therefore banks with online services are more valued. The Internet has given millions to internet auctioneers. Unique and old items from around the world are sold on the auction websites. Auction marketing also sells other items that are refurbished for e.g., cars, vehicles and machinery at very affordable rates. Many websites do not allow customers to buy products, but are only a source of advertising. They allow viewers to see their new collection that can be bought from the nearest outlets. To increase advertising and promotion, online marketers take help from affiliate programs. The<br /><a href="http://www.growdigitalmedia.co.uk/services/marketing/affiliates">affiliate programs</a><br />is a marketing program in which a web merchant hires a webmaster to get traffic to his website.<br />Webmaster in return gets a commission for placing the web merchant&rsquo;s advertisement on his<br />website. The commission depends on the number of buyers the webmaster sends. The affiliate will<br />not be paid until the task is performed. Some of the most widely used affiliate programs include<br />pay-per-click, pay-per-scale and pay-per-lead. The affiliate program is a great source of income<br />for web masters and web merchants. Banner advertisements can attract a great number of<br />audiences and are not very expensive. They do not need physical connections or installment and<br />can be seen everywhere through an internet connection. This does not mean that all affiliate<br />programs/sites are authentic it is therefore, suggested that you search on the internet for all the available affiliate programs and watch out for their reviews. In spite of the disadvantages that affiliate programs and internet has, it can get you started easily and get you millions if you are well-informed about the pros and cons.</p></p>
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		</item>
		<item>
		<title>Logo Design Services &#8211; Including Value To Your Business</title>
		<link>http://barackloan.com/logo-design-services-including-value-to-your-business/</link>
		<comments>http://barackloan.com/logo-design-services-including-value-to-your-business/#comments</comments>
		<pubDate>Thu, 17 May 2012 09:41:45 +0000</pubDate>
		<dc:creator>thomas mak</dc:creator>
				<category><![CDATA[General Question]]></category>
		<category><![CDATA[affordable]]></category>
		<category><![CDATA[design]]></category>
		<category><![CDATA[development]]></category>
		<category><![CDATA[html5]]></category>
		<category><![CDATA[logo]]></category>
		<category><![CDATA[Services]]></category>

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		<description><![CDATA[There are individuals that I have come across are attaching their best to funds the operating of their organization as firmly as possible. For those who wish to begin your own organization, it is essential that you consider interesting some emblem solutions to help add value to your new organization. I cannot highlight enough on [...]]]></description>
			<content:encoded><![CDATA[<p><p style="padding-top: 0px;padding-right: 0px;padding-bottom: 10px;padding-left: 0px;font-size: 14px;vertical-align: baseline;background-color: #e8f5fd;line-height: 22px;color: #333333;font-family: Arial, Helvetica;margin: 0px;border: 0px initial initial">There are individuals that I have come across are attaching their best to funds the operating of their organization as firmly as possible. For those who wish to begin your own organization, it is essential that you consider interesting some emblem solutions to help add value to your new organization.</p>
<p style="padding-top: 0px;padding-right: 0px;padding-bottom: 10px;padding-left: 0px;font-size: 14px;vertical-align: baseline;background-color: #e8f5fd;line-height: 22px;color: #333333;font-family: Arial, Helvetica;margin: 0px;border: 0px initial initial">I cannot highlight enough on how essential a organization&nbsp;<a href="http://www.11thagency.com/">logo design services</a>&nbsp;is for a organization. It is not just for the benefit of staying a organization logo all over your workplace invitations. Your business emblem will let individuals know how serious your organization is when it comes to items or<br />solutions shipping. When individuals have a look at your present organization logo, what comes to their mind? Are they satisfied with it or are they confused by what your organization logo is trying to promote? So it is essential that if you are a new company that is just beginning up to get carry of an established emblem organization. It will help for you to connect with the emblem organization on what your organization is doing and what form of goods and solutions that you<br />are promoting. Expert emblem organizations will be able to produce a new organization logo for you within 48 time.Always look for those organizations that are able to provide you a 100% fulfillment assurance so that in the occurrence that you are not satisfied with any of their styles and after several changes, you can still get a money back reimbursement.</p>
<p style="padding-top: 0px;padding-right: 0px;padding-bottom: 10px;padding-left: 0px;font-size: 14px;vertical-align: baseline;background-color: #e8f5fd;line-height: 22px;color: #333333;font-family: Arial, Helvetica;margin: 0px;border: 0px initial initial">HTML5 growth is an continuous attempt of a range of many application designers and other fascinated market categories to upgrade and change Hypertext Markup Terminology (HTML), which is the primary language at the center of the Community Large Web. The Web Hypertext Program Technological innovation Operating Team (WHATWG) began work on HTML5 in 2004 which is being modified by Ian Hickson of The search engines, Inc and Mark Hyatt of The apple company. The HTML5 requirements conventional is in various set up declares at at W3C (World Large Web Consortium) which began dealing with the WHATWG set up of HTML5 in 2007.As with almost any procedure run by a massive panel, or list of committees,&nbsp;<a href="http://www.11thagency.com/">html5 development</a>&nbsp;is operating behind its initially imagined routine for achievement. While some areas of the HTML5 requirements are constant and being applied in new items, the whole HTML5 venture is not predicted to be finish until as overdue as 2022. Having an market conventional approved by all<br />individuals is the objective of this complicated venture.</p>
<p style="padding-top: 0px;padding-right: 0px;padding-bottom: 10px;padding-left: 0px;font-size: 14px;vertical-align: baseline;background-color: #e8f5fd;line-height: 22px;color: #333333;font-family: Arial, Helvetica;float: left;margin: 0px;border: 0px initial initial"><ins><ins></ins></ins></p>
<p style="padding-top: 0px;padding-right: 0px;padding-bottom: 10px;padding-left: 0px;font-size: 14px;vertical-align: baseline;background-color: #e8f5fd;line-height: 22px;color: #333333;font-family: Arial, Helvetica;margin: 0px;border: 0px initial initial">&nbsp;</p>
<p style="padding-top: 0px;padding-right: 0px;padding-bottom: 10px;padding-left: 0px;font-size: 14px;vertical-align: baseline;background-color: #e8f5fd;line-height: 22px;color: #333333;font-family: Arial, Helvetica;margin: 0px;border: 0px initial initial">Cost-effective emblem is basically a trademark or a sign language that communicates with the potential viewers or customers and promotes them to get drawn towards your goods and services that too at low costs. The logo should be your own individual identification. Creation of a top quality and attractive logo always helps a entrepreneur to promote his company.Promoting a company through&nbsp;<a href="http://www.11thagency.com/">affordable logo design</a>&nbsp;can be effectively done with the help of foundation like internet sites, websites, or through magazines. As well, advertising a company off-line, can be done by using the logo by getting it produced on different items such as cups, t-shirts, hats. A entrepreneur can easily increase his reach amongst customers and create awareness about company in market in this way.</p></p>
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		<item>
		<title>Travel _Link</title>
		<link>http://barackloan.com/travel-_link/</link>
		<comments>http://barackloan.com/travel-_link/#comments</comments>
		<pubDate>Wed, 16 May 2012 07:11:11 +0000</pubDate>
		<dc:creator>alvin</dc:creator>
				<category><![CDATA[Questions]]></category>

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		<description><![CDATA[Honda accord parts We ship only the original replacement Honda auto parts and accessories at wholesale prices, which are Honda OEM parts. Taxi calculator melbourne MCC is a well-trusted name in cab services, dedicated to provide with chauffeured transportation service for a wide range of customers. Airport transfer paris Bienvenue sur le site paris green [...]]]></description>
			<content:encoded><![CDATA[</p>
<li><a href="http://www.hondapartswebsite.com/honda-126/accord-2145/"><strong>Honda accord parts</strong></a>
<p> We ship only the original replacement Honda auto parts and  accessories at wholesale prices, which are Honda OEM parts. </li>
</p>
<li><a href="http://www.melbournecitycabs.com.au/trip_calculator.aspx"><strong>Taxi calculator melbourne</strong></a>
<p> MCC is a well-trusted name in cab services, dedicated to  provide with chauffeured transportation service for a wide range of  customers. </li>
</p>
<li><a href="http://www.parisgreencar.com/us/"><strong>Airport transfer paris</strong></a>
<p> Bienvenue sur le site paris green car, 1er service de transport &eacute;cologique vous proposant des berlines hybrides. </li>
</p>
<li><a href="http://www.gjtravel.is/GuesthouseBorgartun"><strong>Guesthouse iceland</strong></a>
<p> Information about Tours and Travel in Iceland, Day Tours and  Excursions from Reykjavik, Accommodation in Iceland, Coach Rental, Tours  and Cruises to Greenland, Weather in Iceland, Cultural Tours, Family  tours Iceland. </li>
</p>
<li><a href="http://www.dodolidays.com/cars-48-123-1"><strong>Rent a car mauritius</strong></a>
<p> We have listed a variety of carefully selected self-catering  or starred hotel options for your accommodations in Mauritius and  Rodrigues islands for short- term and long term letting at fair priced  tariffs. </li>
</p>
<li><a href="http://www.itravellimousines.com.au/"><strong>Limousine service</strong></a>
<p> iTravel Group offers professional chauffeurs to transport you  and your guest in style and comfort. BE MOVED around Sydney, and  beyond, in the most comfortable and luxurious chauffeured vehicules.</li>
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		<title>Education_Business</title>
		<link>http://barackloan.com/education_business/</link>
		<comments>http://barackloan.com/education_business/#comments</comments>
		<pubDate>Wed, 16 May 2012 07:07:27 +0000</pubDate>
		<dc:creator>alvin</dc:creator>
				<category><![CDATA[Questions]]></category>

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		<description><![CDATA[Used textbooks Are you looking for Cheap Textbooks? Just visit CompareTextBooks.net in order to compare textbook prices and find the cheapest college textbooks. Playgroup Brainy Child Montessori &#124; We bring out the genius in your child. Enroll now!]]></description>
			<content:encoded><![CDATA[</p>
<li><a href="http://www.comparetextbooks.net/"><strong>Used textbooks</strong></a>
<p> Are you looking for Cheap Textbooks? Just visit  CompareTextBooks.net in order to compare textbook prices and find the  cheapest college textbooks. </li>
</p>
<li><a href="http://www.brainychildmontessori.sg/index.php/General/enrichment-programmes.html"><strong>Playgroup</strong></a>
<p> Brainy Child Montessori | We bring out the genius in your child. Enroll now!</li>
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		<title>Shopping_directory</title>
		<link>http://barackloan.com/shopping_directory/</link>
		<comments>http://barackloan.com/shopping_directory/#comments</comments>
		<pubDate>Wed, 16 May 2012 07:03:21 +0000</pubDate>
		<dc:creator>alvin</dc:creator>
				<category><![CDATA[Questions]]></category>

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		<description><![CDATA[Dvds to buy ICEM Infonet Pvt. Ltd. is a company incorporated in the year 2000, with the purpose of giving Software &#38; Hardware services to the community. Birthday gift The Blessing Tree is a Tree of Life, a source of all things pure, good and beautiful, where the leaves are its messages, and its fruit [...]]]></description>
			<content:encoded><![CDATA[</p>
<li><a href="http://www.indiancddvdonline.com/"><strong>Dvds to buy</strong></a>
<p> ICEM Infonet Pvt. Ltd. is a company incorporated in the year  2000, with the purpose of giving Software &amp; Hardware services to the  community. </li>
</p>
<li><a href="http://blessingtree.com.au/"><strong>Birthday gift</strong></a>
<p> The Blessing Tree is a Tree of Life, a source of all things  pure, good and beautiful, where the leaves are its messages, and its  fruit the jewellery that bears its messages. </li>
</p>
<li><a href="http://www.shamanelectro.com/"><strong>Psy trance</strong></a>
<p> Shaman Electro Tribal Trance Tattoo Clothing Hoodies Tops Tee Shirts Dresses Pants Accessories. </li>
</p>
<li><a href="http://www.centuryresidency.co.in/"><strong>Hotels near apollo hospital chennai</strong></a>
<p> Hotel Century Residency is a luxury hotel in Chennai. We  provide a comprehensive range of facilities and amenities that will  appeal to discerning business . </li>
</p>
<li><a href="http://www.unihomecleaning.com.sg/"><strong>Domestic cleaning singapore</strong></a>
<p> At UniHome, we understand that the demand in fulfiling a  successful career and a rewarding lifestyle can sometimes result in a  compromise in your home maintenance. </li>
</p>
<li><a href="http://www.flooringfirst.co.uk/"><strong>Wood floor installation</strong></a>
<p> Floor sanding London, wood floor restoration London, parquet  floor fitters London, paquet floor restoration, floor layers, solid wood  installation, hardwood flooring, laminate floor installation, floor  sanding services, floor sanding company, London. </li>
</p>
<li><a href="http://sanstreet.com.sg/"><strong>Fashion in singapore</strong></a>
<p> San Street is a one-stop retailer and wholesaler of unique,  affordable and good quality fashion apparels, shoes and bags.</li>
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		<title>Office Supplies</title>
		<link>http://barackloan.com/office-supplies/</link>
		<comments>http://barackloan.com/office-supplies/#comments</comments>
		<pubDate>Wed, 16 May 2012 06:58:34 +0000</pubDate>
		<dc:creator>alvin</dc:creator>
				<category><![CDATA[Questions]]></category>

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		<description><![CDATA[Hidden leaf Tailedfox is the great source for Naruto and other anime multimedia. You can watch and download Naruto and Naruto Shippuden episodes as well as Naruto Episodes Online, Naruto Shippuden and Watch Naruto Online Free. Invest gold Bullion Club Australia is a club-like bullion distributor that supplies wide range of bullion products at wholesale [...]]]></description>
			<content:encoded><![CDATA[</p>
<li><a href="http://www.tailedfox.com/news-summary-naruto-shippuden-221"><strong>Hidden leaf</strong></a>
<p> Tailedfox is the great source for Naruto and other anime  multimedia. You can watch and download Naruto and Naruto Shippuden  episodes as well as Naruto Episodes Online, Naruto Shippuden and Watch  Naruto Online Free. </li>
</p>
<li><a href="http://www.bullionclub.com.au/"><strong>Invest gold</strong></a>
<p> Bullion Club Australia is a club-like bullion distributor  that supplies wide range of bullion products at wholesale price, even  your order is small. </li>
</p>
<li><a href="http://www.geschenke4u.eu/index.php/cat/c271_Buddhas.html"><strong>Buddha figuren</strong></a>
<p> Geschenke4u.eu &#8211; Millefiori Raumd&uuml;fte und hochwertige  Geschenkartikel sind unser Spezialgebiet. Wir liefern nur von namhaften  Herstellern. </li>
</p>
<li><a href="http://www.hafmineralmakeup.com.au/collections/australia-organic-skin-care-safe-organic-skin-care-free-of-nanoparticles"><strong>Organic cosmetics australia</strong></a>
<p> Haf mineralmakeup australia is a online based store offering  safe pure mineral makeup. haf mineral makeup is FREE of &#8211; chemical ,  fake fillers, nano-particles, preservatives, bismuth, talc, dyes,  parabens, carmine and fragrances. </li>
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<li><a href="http://www.hellokitty4u.com/graduation-plush/hello-kitty-graduation-plush-cap-gown-scroll-33-cm-1113-119-1864.php"><strong>Hello kitty plush</strong></a>
<p> Welcome to Hello Kitty 4U, a paradise filled with the most  adorable, collectable, and kawaii Hello Kitty merchandise!  Visit  HelloKitty4U and your wish list will soon be fulfilled! </li>
</p>
<li><a href="http://www.honeybeegoods.com/"><strong>Modern wall clock</strong></a>
<p> Honeybeegoods design and create our own Australian made fine  stainless steel and silver jewelery, as well as timber plywood wall  clocks.</li>
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		<title>Services</title>
		<link>http://barackloan.com/services/</link>
		<comments>http://barackloan.com/services/#comments</comments>
		<pubDate>Wed, 16 May 2012 06:54:43 +0000</pubDate>
		<dc:creator>alvin</dc:creator>
				<category><![CDATA[Questions]]></category>

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		<description><![CDATA[Small personal loans with bad credit Financing Loan was established to provide access to quick personal loans for our customers to accommodate a variety of reasons. Investing in shares The Gold Investing Guide gives you all the tips, insights and techniques you&#8217;ll need to profit from the yellow metal. Roofers ri A-1 Roofing &#38; Construction [...]]]></description>
			<content:encoded><![CDATA[</p>
<li><a href="http://www.financingloan.com.au/?page_id=76"><strong>Small personal loans with bad credit</strong></a>
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		<title>Business Services</title>
		<link>http://barackloan.com/business-services/</link>
		<comments>http://barackloan.com/business-services/#comments</comments>
		<pubDate>Wed, 16 May 2012 06:49:23 +0000</pubDate>
		<dc:creator>alvin</dc:creator>
				<category><![CDATA[Questions]]></category>

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		<description><![CDATA[Paphos villa rentals Sea Point Cyprus Holiday Villas is a group of Cyprus Villas for rent in Coral Bay area of Paphos Cyprus.Paphos Villas and Coral Bay Villas and Cyprus Villas for rent. Company law advisory in mumbai R. Ganesh &#38; Associates provides professional services for Company Law Audit in India and Company Registration in [...]]]></description>
			<content:encoded><![CDATA[</p>
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		<title>Is this same as HARP</title>
		<link>http://barackloan.com/is-this-same-as-harp/</link>
		<comments>http://barackloan.com/is-this-same-as-harp/#comments</comments>
		<pubDate>Sun, 26 Feb 2012 15:29:04 +0000</pubDate>
		<dc:creator>Allen</dc:creator>
				<category><![CDATA[General Question]]></category>
		<category><![CDATA[first]]></category>
		<category><![CDATA[harp]]></category>
		<category><![CDATA[loan]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[second]]></category>

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		<description><![CDATA[Is this the HARP program that we hear about and if it is can I qualify. Credit is perfect and never missed a home payment while our house is worth $300,000 at most and our mortgage is $388,000 on a first loan and a second line of credit at $68,000. Would we qualify to lower [...]]]></description>
			<content:encoded><![CDATA[<p>Is this the HARP program that we hear about and if it is can I qualify. Credit is perfect and never missed a home payment while our house is worth $300,000 at most and our mortgage is $388,000 on a first loan and a second line of credit at $68,000. Would we qualify to lower our interest rate which is 6.875% on first loan and 7.75% on the 2nd</p>
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