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HomeMy WebLinkAbout03/22/2006HOUSING AUTHORITY MEETING March 22 2006 LOBBY CONFERENCE ROOM 7:00 P.M. A. Call Meeting to Order 1. Introduction of New Member 2. Election of Officers B. Roll Call C. Approval of the Minutes: February S, 2006 D. Officers Reports E. Public Forum F. Un6nished Business G. New Business 1. Presentation & Acceptance of Audit 2. Update on Park Side Project H. Other L Adjournment CITY OF WHEAT ffiDGE HOUSING AUTHORITY Minutes of Special Meeting February 8, 2006 A. CALL MEETING TO ORDER The meeting was called to order at 7:00 p.m. by Chair DiTullio. B. ROLL CALL Authority Members Present: Cheryl Brungazdt Jerry DiTullio Kathy Nuanes Janice Thompson Authority Members Absent: Kent Davis Others Present: Alan White, Community Development Director Larry Nelson, Cornerstone Realty Betty Maybin, Cornerstone Realty Dick Matthews, Accountant C. APPROVAL OF MINUTES It was moved by Kathy Nuanes and seconded by Cheryl Brungardt to approve the minutes of January 3, 2006 with one correction: Karen Berry should be listed under "Others Present" rather than Karen Adams. The motion passed unanimously. D. OFFICERS REPORTS There were no officer reports. E. PUBLIC FORUM There was no one to appear before the Authority. F. UNFINISHED BUSINESS There was no unfinished business. G. NEW BUSINESS • Authorization to Hire Swanhorst & Co. to Perform Audit It was moved by Kathy Nuanes and seconded by Cheryl Brungardt to approve Swanhorst & Company to perform the Housing Authority audit Housing Authority Minutes - 1 - 02-08-06 with the understanding that fees will not exceed $3,500.00. The motion passed unanimously. • Update on Park Side Townhomes Proiect Lany Nelson reported that mazketing would begin in about a week. The Authority decided to conduct an open house for the Park Side project on Mazch 1, 2006 at 3:00 p.m. The remaining unit at Quail Square will also be marketed along with the Park Side units. H. OTHER The Jefferson County Housing Authority project proposed for 32"d and Wadsworth was discussed. Alan White reported that a meeting was held with the neighborhood and Jeffco Mediation. The inain concerns expressed by the neighbors involved traffic issues. The rezoning application for tlus property will come before Council some time in April. • It was decided to cancel the regularly scheduled meeting of February 22aa • There was a request for the city attomey to provide information on the Volunteer Service Act to Authority members. 1. ADJOURNMENT The meeting was adjourned at 8:00 p.m. Jerry DiTullio, Chair Ann Lazzeri, Secretary Housing Authority Minutes 02-OS-06 10 WHEAT RIDGE HOUSING AUTHORITY FINANCIAL STATEMENTS December 31, 2005 ~ lddw% TABLE OF CONTENTS Independent Auditors' Report cial Statements tatement of Net Assets Statement of Revenues, Expenses and Changes in Fund Net Assets Statement of Cash Flows Notes to Financial State ts 4e 4P PAGE 1 2 3 4 S-8 Aeatidge mmissioners Housing g AuthoriTy Wheat Ridge, Colorado INDEPENDENT AUDITORS' REPORT We have audited the accomp g basic financial statements of the Wheat Ridge Housing Authority as of and for the year ended December . These financial statements are the responsibiliTy of the Wheat Ridge Housing Authoxity's managem ponsibiliTy is to express an opinion on these financial statements based on our audit. We conducted our audit m accordance with auditing standards generally accepted in the United States of America. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements aze free of material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements. An audit also includes assessing the accounting principles used and significant estimates made by management, as well as evaluating the overall financial statement presentation. We believe that our audit provides a reasonable basis for our opinion. The Wheat Ridge HousingAuthority hasno managemenYsdiscussionandanalysisthattheGovernmental Accounting Standards Boazd has determi essary to supplement, although not required to be part of, the basic financial statements. In our opinion, the financial statements referred to above present fairly, in al] material respects, the financial position of the Wheat Ridge Housing Authority as of December 31, 2005, and the changes in its Financial position and its cash flows for the year then ended in conformiry with accounting principles generally accepted in the United States of America. February 9, 2006 40 BASIC FINANCIAL STATEMENTS ooe, 1 WHEAT RIDGE HOUSING AUTHORITY STATEMENT OF NET ASSETS December 31, 2005 ASSETS Cash Loan Prope d for Resale TOTAL ASSETS LIABILITIES Accounts Payable Accrued Liabilitiea Retainage Payable TOTAL LIABILITIES NET ASSETS UnresVicted TOTAL LIABILITSES AND NET ASSETS 2005 2004 $ 222,664 $ 356,647 12,443 12,708 1,010,671 770,310 $ 1,245,778 $ 1,139 665 $ 7,105 $ 8,117 - 4,770 35,610 - 42,715 12,887 1,203,063 1,126,778 $ 1,245,778 $ 1,139,665 IS& AMWNs, `k~i` The accompanying notes are an integral part of the financial s[atements. 2 WHEAT RIDGE HOUSING AUTHORITY STATEMFNT OF REVENUES. EXPENSES AND CHANGES IN FUND NET ASSETS Yeaz Ended December 31, 2005 OPERAT UES Sales ont r operty Cost Rental TOTAL OPERATING REVENUES OPERATING EXPENSES Closing Costs General and Administrative Repairs and Maintenance Utilities Adlic" Hameowners Dues City Reimbursement TOTAL OPERATING EXPENSES OPERATING INCOME (LOSS) NONOPERATING REVENUES (EXPENSES) Interest Income Interest Expense TOTAL NONOPERATING REVENUES (EX INCON(E (LOSS) BEFORE CAPITAL CONTRI TIONS CAPITAL CONTRIBUTIONS Grants CHANGE IN NET ASSETS NET ASSETS, Beginning NET ASSETS, Ending 2005 2004 $ 242,000 $ 765,481 (220,783) (739,887) 13,414 13,606 34,631 39,200 18,780 13,123 7,046 8,043 2,041 3,266 2,072 5,726 1,927 1,200 2,432 3,125 34,298 34,483 333 4,717 952 599 - (60) 952 539 1,285 5,256 75,000 76,285 5,256 1,126,778 1,121,522 400, $ 1,203 063 $ 1 126,778 The accompanying notes aze an integral part of the financial statements. 3 WHEAT RIDGE HOUSING AUTHORITY STATEMENT OF CASH FLO W S Increase (Decrease) in Cash Yeaz Ended December 31, 2005 CASHF OPERATINGACTIVITIES Proc Okehab,'I)itiation f Investment Property Purch of Investment Property Cash Received from Tenants Cash Payments m Vendors and Suppliers Net Cash Provided (Used) by Operating Activities CASH FLOWS FROM NONCAPITAL FINANCING ACTIVITIES Loan Repayments from Hmneowners Net Cash Provided by Nonc ' ing Activities CASH FLOWS FROM CAPI ND RELATED FINANCING ACTIVITIES GrantProceeds Loan Principal Payments Loan Interest Payments Net Cash Provided (Used) by Capital and Related Financing Activities CASH FLOWS FROM INVESTING ACTNITIES Interest Income Net Cash Provided by Investing Activities NET INCREASE (DECREASE) IN CASH CASH, Beginning CASH, Ending #00 RECONCILIATION OF OPERATING INCOME (LOSS) TO NET CASH PROVIDED (USED) BY OPERATING ACTNITIES Operating Income (Loss) 't- Adjustments to Reconcile Operating Income (Lose) to Net Cash - Provided (Used) by Operating Activities Changes in Assets and Liabilities Re]ated to Opeiations Property Held for Resale Prepaid Expenses Accounts Payable Acerued Liabilities Retainage Payable Net Cash Provided (Used) by Operating Activities 2005 $ 242,000 (425,534) 13,414 (40,080) 2004 $ 765,481 (763,843) 13,606 (39,879) (210,200) (24,635) 265 255 265 255 75,000 20,000 - (173,298) - (60) 75,000 (153,358) 952 599 952 599 (133,983) (177,139) 356,647 533,786 $ 222,664 $ 356,647 $ 333 $ 4,717 (240,361) 3,355 - 1,996 (1,012) (11,593) (4,770) 4,201 35,610 (27,311) ...210200 $ (24635) The accompanying notes are an integral part of the financial statements. WHEAT RIDGE HOUSING AUTHORITY NOTES TO FINANCIAL STATEMENTS December 31, 2005 NOTE 1: SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES The financial statements of the Wheat Ridge Housing Authority (the "Authority") have been loo prepazed in conformiTy with generally accepted accounting principles (GAAP) as applied to governmental units. The Governmental Accounting Standards Board (GASB) is the accepted standard-setting body for establishing governmental accounting and financial reporting principles. The more significant of the AuthoriTy's accounting policies are described below. Reporting Entity In accordance 'th governmental accounting standazds, the AuthoriTy has considered the possibility of inclusi itional entities in its financial statements. The definition of the reporting entity is ba y on Financial accountability. The Authority is financially accountable for organiz s that make up its legal entiTy. It is also financially accountable for legally separate organizations if Authority officials appoint a voting majority of the organization's governing body and either it is able to impose its will on that organization or there is a potential for benefits to, or to impose specific £nancial burdens on the Authority. The Authority may also be financially accountable for organizations that are fiscally dependent upon it. Based on the application of this criteria, the Authority does not include additional organizations within its reporting entity. Measurement Focus, ccounting, and Financial Statement Presentation The AuthoriTy uses an enterprise fund to account for its operations. Enterprise funds are used to account for operations that are financed and operated in a manner similar to private business enterprises, where the intent of the governing body is that costs of providing goods or services to the general public on a coutinuing basis be financed or recovered primarily through user charges. The financial statements aze reported using the economic resources measurement focus and the accrual basis of accounting. Revenues are recor en earned and expenses are recorded when the liability is incurred, regazdless of the tim' ela ed cash flows. Grants and similar items are recognized as revenue as soon as all eligibih requirements imposed by the provider have been met. Private-sector standards of accounting and financial reporting issued prior to December l, 1989, generally are followed in the financial statements to the extent that those standards do not conflict with or contradict guidance of the Governmental Accounting Standards Board. Govemments also have the option of following subsequent private-sector guidance for their enterprise funds, subject to this same limitation. The Authority has elected not to follow subsequent private-sector guidance. Enterprise funds distinguish operating revenues and expenses fro rating items. Operating revenues and expenses generally result from providing service producing and delivering goods in connection with the Authority's principal ongoing operatioos. Operating expenses include the cost of sales and services, administrative expenses, and depreciation on capital assets. All revenues and expenses not meeting this definition are reported as nonoperating revenues and expenses. When both restricted and unrestricted resources are available for use, it is the Authority's practice to use restricted resources first, then unrestricted resources as they are needed. WHEAT RIDGE HOUSING AUTHORITY NOTES TO FINANCIAL STATEMENTS December 31, 2005 NOTE 1: SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued) Property Held For Resale Property held for resale includes the acquisition and rehabilitation costs of investment property, and is recorded at cost. Risk Management The Authority is exposed to various risks of loss related to torts; theft of, damage to, and destruction of assets; error nd omissions; and natural disasters. The Authority carries commercial insurance forthese ' oss. Comp e Data Comparative data for the prior year has been presented in the accompanying financial statements in order to provide an understanding of changes in the Authority's financial position and operations. Certain prior yeaz amounts have been reclassified to conform to the current year presentation. NOTE 2: Budgets are adopted for the Authority as a management controi aevise, but are not legally required. Therefore, budgetary information is not presented in the financial statements. NOTE 3: DEVELOPMENT PROJECTS I During 2004, the Authority purchased an eight- wnhome complex known as Parkside. The Authority is rehabilitating the units for resal ali ied buyers. During 2003, the Authority puxchased a ten- unit condominium complex known as Carnation Square to provide a homeownership program to low-income residents of the City of Wheat Ridge. The Authority rehabilitated the units for resale to qualified buyers and sold the final two units during 2005. The Authority previously purchased and rehabilitated a condominium complex on Quail Street. During 2005, the AuthoriTy acquired one unit from the complex, whi ,is being held for resale. WHEAT RIDGE HOUSING AUTHORITY NOTES TO FINANCIAL STATEMENTS December 31, 2005 NOTE 4: CASH ~Deposits The Colorado Public Deposit Protection Act (PDPA) requires that all units of local government deposit cash in eligible public depositories. Eligibility is determined by State regulations. At December 31, 2005, the State regulatory commissioners had indicated that all financial institutions holding deposits for the Authority are eligible public depositories. Amounts on deposit in excess of federal insurance levels must be collateralized by eligible collateral as determined by the PDPA. PDPA allows the financial institution to create a single collateral pool for all public funds held. The pool is to be maintained by another institution, or held in trust for all the uninsured public deposits as a grou azket value of the collateral must be at least equal to 102% of the uninsured sam 31, 2005, the AuthoriTy had bank deposits of $122,864 collateralized with depo ' em securit F by the financial institution's agent but not in the Authority's name. Investments The Authority is required to comply with State statutes which specify investment instruments meeting defined rating, maturity, custodial and concentration risk criteria in which local governments may invest, which include: • Obligations of the Unit and certain U.S. Agency securities • Certain internation securities • General obligation an enue bonds ofU.S. local govemment entities • Bankers' acceptances of certain banks • Commercia] paper • Written repurchase agreements collateralized by certain authorized securities • Certain money marketfunds • Guaxanteed investment contracts • Local government investment pools At December 31, 2005, the Authority had n' m nts. NOTE 5: LOANS RECEIVABLE During 2002, the Authority approved loans, totaling $13,210, to assist two homeowners with closing costs related to their condominium purchases. One loan requires monthly payments of $SQ including interest at 3.5% per annum, through September, 2012. The second loan requires one payment of $3,525, including interest at 3.5% per annum, due in Oc er, 2007. These loans are secured by the condominium units. During2005,thehomeowners incipal payments totaling $265, resulting in a balance of $12,443 at December 31, 200 WHEAT RIDGE HOUSING AUTHORITY NOTES TO FINANCIAL STATEMENTS December 31, 2005 NOTE 6: PROPERTY HELD FOR RESALE 10Following is a summary of transactions for the property held for resale for the yeaz ended December 31, 2005. Balance Balance 12/31/04 Additions Deletions 12/31/05 Acquisition and Rehabilitation Costs of Investment Property $ 770.310 $ 461,144 $ 220.'783 $ 1,010,671 NOTE 7: COMM S AND CONTINGENCIES Mana ent Agreement The Authority has a management agreement with the Jefferson County Housing Authority (JCHA) for contracted services. Under the terms of this agreement, the Authority contracts for labor and expertise in housing authority management, operation and administration, etc. The contracted services have been classified as functional expenses in the financial statements for better reporting purposes. Cooperation Agreemen The Authority has entere o an agreement with the City of Wheat Ridge for contracted services. Under the terms of this agreement, the City will provide legal, planning, engineering services, etc., as deemed necessary by the AuthoriTy. Under the terms of this agreement, the City Manager or his designee will act as the Executive Director of the Authority. Claims and Judgements The Authority participates in federal programs t fully or partially funded by grants received from other governmental units. Expenses fi by grants are subject to audit by the appropriate grantor government. If expenses are di owed due to noncompliance with grant program regulations, the Authority may be required to reimburse the grantor government. As of December 31, 2005, significant amounts of grant expenses have not been audited but the Authority believes that subsequent audits will not have a material effect on the overall financial position of the Authority. Tabor Amendment Colorado voters passed an amendment to the State Constihition, Arti X, Section 20, which has several limitations, including revenue raising, spending abilities, r specific requirements of state and ]ocal government. The Amendment is complex ject to judicial interpretation. Management believes the Authority is exempt from the provi ions of the Amendment. Feb 006 Board of Commissioners Wheat Ridge Housing AuthoriTy Wheat Ridge, Colorado We have audited the fi 1 statements of the Wheat Ridge Housing Authority for the year ended December 31, 2005, and have issued our report thereon dated February 9, 2006. Professional stazidards require that we provide you with the following information related to our audit. Our Responsibility under Generally Accepted Auditing Standards As stated in our engagement letter, our responsibility, as described by professional standards, is to plan and perform our audit to obtain reasonable, but not absolute, ass ance about whether the financial statements are free of material misstatement and are presented in accordan enerally accepted accounting principles. Because an audit is designed to provide reasonable, but not ssurance and because we did not perform a detailed examination of all transactions, there is a risk that mater' isstatements or noncompliance may exist and not be detected by us. In addition, an audit is not designed to detect immaterial misstatements or violations of laws or regulations that do not have a direct and material effect on the financial statements. As part of our audit, we considered the internal control of the Authority. Such considerations were solely for the purpose of determining our audit procedures and not to provide any assurance concerning such internal control. SigniTicant Accounting Policies Aamfik IdgwrIT Management has the responsibility for selection and use of opnate accounting policies. In accordance with the terms of our engagement letter, we will advise management about the appropriateness of accounting policies and their application. The significant accounting policies used by Authority are described inNote 1 to the financial statements. We noted no transactions entered into by the Authority during the year that were both significant and unusual, and of which, under professional standards, we are required to inform you, or transactions for which there is a lack of authoritative guidance or consensus. Significant Audit Adjustments For purposes of this letter, professional standards define a signiFicant audit ad~ nt as a proposed correction o£ the financial statements that, in our judgment, may not have been detected exc t through our auditing procedures. We did not propose adjustrnents to the accounting records as a result of our audit work. Disagreements with Management For purposes of this letter, professional standards define a disagreement with management as a matter, whether or not resolved to our satisfaction, conceming a financial accounting, reporting, or auditing matter that could be significant to the financial statements or the auditors' report. We are pleased to report that no such disagreements arose during the course of our audit. Con ith Other Independent Accountants In some cases, management may decide to consult with other accountants about auditing and accounting matters, similar to obtaining a"second opinion" on certain situations. If a consultation involves application of an accounting principle to the Authority's financial statements or a determination of the type of auditors' opinion that may be expressed on those statements, our professional standards require the consulting accountant to check with us to determine that the consultant has all the relevant facts. To our knowledge, there were no such consultations with other accountants. Issues Discussed Prior t ion of Independent Auditors We generally discuss a of matters, including the application of accounting principles and auditing standards, with management each year prior to retention as the Authority's auditors. However, these discussions occurred in the normal course of our professional relationship and our responses were not a condition to our retention. Diftculties Encountered in Performing the Audit We encountered no significant difficulties in performing our audit. Conclusion We would like to thank Alan White and D atthews for their assistance and cooperation during the audit. This report is intended solely for the information and use of the Board of Commissioners and management of the Wheat Ridge Housing AuthoriTy and is not intended to be and should not be used by anyone other thanthese specified parties. Very truly yours, 04401, Swanhorst & Company LLC oanaos Wheat Ridge Housing Authority Balance Sheet As of March 15, 2006 Mar 15,'06 ASSETS CurrenT Assets Checking/Savings 113 • Vectra Operating Account 186,387 Total Checking/Savings 186,387 O[her Current Assets 751• ParkSide ProJectlnventory 901,635 152 • Quail Project Inventory 119,804 Total Other Current Assets 7,021,439 Total Current Assets 1,207,826 Other Assets 271 • Note Recelvable - Abel 3,000 273 • Note Receivable - Baca 9,398 Total Other Assets 12,398 TOTAL ASSETS 1,220,224 LIABILITIES & EDUITY Liabillties Current Liabllitles Accounts Payable 315 - Constructfon Retainage 16,712 Total Accounts Payable 16,712 Total Current Liabtlities 16,712 Total Llabilities 16,712 Equity Net income 449 465. Fund Balance 1,203 064 Total Equity 1,203,513 70TAL LIABILITIES & EOUITY 7,220,225 . Page 1 of 1 03114106 Wheat Ridge Housing Authority Profit and Loss January 1 through March 15, 2006 Jan 1- M ar 15, 'O6 Ordinary IncomdExpense Income 530 • Rent 1,500 535. Interest Incoma 137 Total Income 1,637 Cost of Goods Sold 567 • Construction Period Maintenance 857 580 • Rehabilitation - Various 9,780 Sat • Supplfes/Materlals 131 599 - Ending Cost of UN ts . -70,768 Total COGS 0 Gross Profit 7,637 Expense 700 • Selling Costs 428 762 • Bank Charges 4 775 • Conference & Meeting Expense 72 802, Gardening & Maintenance 229 804. Homeowners Assoclation Dues 310 832. Postage 5 865 • Trash Removal . 45 872 • Utififies 97 Total Expense 1,190 Net Ordinary Income 447 Netlncome 447 Paga 1 oT 1 o3/14106 Wheat Ridge Housing Authority Park Side Project All Transactions Ordinary Income/Expense Income 530. Rent . Totallncome Cost ot Goods Sold 555 • Purchase of Units 560 • Acqulstion Appraisal Fees 562 • Acqulsitions Costs 563. ArChitecture 567 • Construction Perlod Maintenance 570 • Garages 571 • Homeowners Association 573 • Rehabilitation - Appllances 574 • Rehabilitatlon • Cabinets 575. Rehabilltaion - Electrical 576 • Rehabilitatlon - Exterior 577 . Rehabilitation - Floors 578 . Reha6ilitalon - Piumbing 580 • Rehabilitation - Various 587 • Supplles/Materials 599 • Ending Cost of Units Total COGS Gross Profit Expense 700 • Selling Costs 750 • Accounting & Legal 802 • Gardening & Maintenance 825 • Ottice Supplies - 832 • Postage 843 • Repalrs 857 • Taxes - Real Estate 865 • Tfash Removal 972 • Utillties Total Expense Net Ordinary Income Mar1S,'06 %oflncome 9,233 100 % 9,233 700% 545,000 5,903% 1,700 18% 1,939 21 % 600 6 % 3,801 41 % 43,420 470% 1,000 11 % 3,968 43 % 43,121 467 % 15,950 173 % 80,102 868% 29,745 322 % 31,082 337% 99,744 1,080 % 131 1 % -901,302 -9,762% 0% 9,232 100 % 426 5 % 215 2% 4,699 51 % 70 1 % 35 0% 89 7 % 300 3% 626 7 % 1,564 77% 8,026 87% 1,206 13% Page 1 of 2 oanaos Wheat Ridge Housing Authority Park Side Project All Transactions Mar 15,'06 % of Income Other Income/Expense Other Income 564 - CDBG Grant 75,000 812% TotalOtherlncome 75,000 812% Net Other Income 75,000 812% Net Income 76,206 825 % Page 2 ot 2 The Ciry of 7500 WEST 29TH AVENUE WHEATRIDGE,C080030-8001 (303) 234-5900 ~heat City Admin. Fax # 234-5924 Police Dept. Fax # 235-2949 ~idge March 9, 2006 Alan White Wheat Ridge Housing Authority 7500 W. 29`' Ave. Wheat Ridge, CO 80033 Dear Mr. White: The City of Wheat Ridge is insured ttuough the Colorado Intergovernmental Risk Sharing Agency (CIRSA) for its Property and Casualty (PC) insurance coverage. The City has included the Wheat Ridge Housing Authority (WRHA) as an exposure on its 2006 PC insurance renewal application. Those exposures include the following: 1. Five housing units located at 4501 - 4509 Everitt Street valued at $340,625.00 2. Three housing units located at 8805 - 8825 W. 45"' Place valued at 204,375.00 3. Estimated WRHA operating expenses in the amount of $880,334.00 CIRSA estimates that these exposures account for approximately $1,340.00 of the City's total PC premium due. The City has already issued full payment to CIRSA for its 2006 PC insurance coverage. Therefore, the City requests reimbursement from the WRIIA in the amount of $1,340.00 made payable to the City of Wheat Ridge. Sincerely, Patrick Goff Deputy City Manager RECVCLED PAPER O r rv o N N O C N O N V/ Pl U m z° x v u m m ~ xv C I~ N Oi N m a N 2 N "e a N N N W H v O y N N N o N W 2 w m n m ~v w N }1 3 ~ pO N I(1 ~t r ~ O z w o N o v O N " N W 3 .a] ~ O 0 m ~o N O (V m ~n ui a VI ~ N ~ O fl '1 N N N O Ill O 0 OO l0 . O O N u) .1 C ~ O N N N t? N P1 [J Pl U 0 0 N ti N N z° r k v Q v u u m m a a H H m v G C h .N O~ .1 m N m N m a ~ a N V1 VI z° z° ci' X N N N W H ~ M ti v a ro W N O 1 m. m m' ~ m E m F 2 Z " z ti Q N r~ W W'N d N w L ~ L W v~i a o m 2 o ri w Y 2 w O w ~ ~ ry ° o v ~ v z O N W N " N N Z N W ~ a a z a p m ry 0 O N 0 0 I~ m ~ Y T d R N N 'i a r o 1? 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