Jan

21

 (ARA) - When people think of winterizing their homes, most often their heating bills spring to mind - along with insulation and weather stripping. The winter months bring not only high energy bills, but also an increased chance of certain kinds of damage to your home and its contents.A few precautions can help protect you from serious losses and disruptions this season.

Indoor floods
While home fires make headlines, water damage is more common and often just as severe. The most frequent cause is faulty or broken pipes. In fact, Fireman’s Fund Personal Risk Consultants see a surge in water damage during the first three months of the year, when pipes are most likely to freeze and burst. Be sure to insulate exposed pipes.

If you leave your home to spend time in warmer climates or even just a weekend on the ski slopes, always leave the heat on in your home and set it to at least 55 degrees. Don’t let high fuel prices tempt you into going lower. The pipes that come in through your foundation or run through external walls can reach temperatures much lower than the setting on your thermostat. Have someone check on your home while you are away.

A foolproof way to protect your home from broken or leaking pipes at any time of year is to install an automatic water shutoff system. Attached to your home’s main incoming water line, the device senses increased water flow caused by a burst pipe and automatically shuts the system off. Fireman’s Fund Insurance Company recommends the Leak Defense System from Sentinel Hydrosolutions. A 5 percent premium discount is available to policyholders who use this system, so let your insurance agent know if you install one.

Chimney and furnace fires
While fire presents a year-round risk, certain causes of fire occur more frequently during the winter. Chimneys, boilers and furnaces are particular risks. Approximately 25,000 residential fires begin in a fireplace or chimney every year, according to the Consumer Product Safety Commission.

Why so many? Over time, a layer of unburned carbon-based residues (sometimes referred to as fireplace creosote) builds up along the inside walls of your chimney and can eventually catch fire. The solution is to have a trusted, professional chimneysweep clean and inspect your chimney annually.

An annual inspection is just as important for those with furnaces and boilers. And, remember, your furnace room should never be used for general storage. Wood scraps, old books, paint, solvents and other flammable liquids are significant fire hazards and should be removed and stored elsewhere.

Ice dams and old trees
Snow and ice storms can create a number of potential threats to your home. One of these is ice damming, which occurs in the days after a snowstorm.

Icicles hanging from your eaves, while they may be beautiful, usually indicate that a dangerous ice dam has formed. An ice dam is a build-up of ice that can form at the edge of your roof when snow melts but is blocked from draining. When more snow melts and is trapped behind this ice, the resulting water backup can soak through your roof and cause damage to ceilings, walls and more. The most common causes of ice dams are clogged gutters and insufficient insulation, both of which are easy to remedy.

Mature trees on your property represent another potential hazard during storms. Strong winds or frozen water that covers old branches with a heavy coat of ice can lead to failure and collapse, a clear threat to your home or other nearby structures. Have a trusted horticultural expert take a look at your property’s mature trees and prune or cut down unstable specimens.

For more advice on how to protect your home from winter’s severe weather, visit www.firemansfund.com.

Courtesy of ARAcontent

Winterization checklist * Consider installing an automatic water shutoff device.
* Prevent frozen pipe bursts by insulating exposed pipes.
* Have your furnaces and chimneys cleaned and inspected.
* Inventory your personal contents.
* Remove stored items and clutter from your furnace room.
* Set your thermostat to no lower than 55 degrees when you leave your house.
* Have your roof gutters cleaned and inspected.
* Replace insulation if necessary.
* Consult with an art professional to be sure your collection is protected. (For example, a professional may advise that you move art and collectibles a safe distance from heat sources.)
* Have mature trees inspected and maintained.
* Have salt/sand on hand for icy sidewalks and driveways.

Jan

21

(ARA) - Real estate pros often coach their clients on the value of making “curb appeal” improvements to help sell their homes. Outside painting and minor repairs signal that the house has been well cared for.That’s a great marketing tactic, but an even better advantage is offering multiple bathrooms. So if you’re planning to put your house on the market and want to make it stand out, consider going a step further and adding a new bathroom.

A spare bath is a great investment. Second only to kitchen remodels for recouping resale value, bathroom additions boast a 63.5 percent rate of return, according to Remodeling Magazine’s 2008-2009 “Cost vs. Value” report. And when an up-flushing, macerating toilet - or “up toilet” - is used for the project, its comparatively low installed-cost makes a bathroom addition very affordable.

An up toilet can be installed virtually anywhere in the home. That’s because this type of plumbing system operates above the floor, using small-diameter piping to pump waste and water up, not down, and into sewer or septic lines. As a consequence, there is no need for the mess and heavy expense of digging through flooring, especially the concrete variety in the basement.

“An up toilet is a super alternative, and it can go where traditional plumbing cannot,” says Mike Coletto, an independent plumbing, heating, cooling and electrical contractor in Illinois with extensive experience installing and servicing up toilets manufactured by SFA Saniflo.

Macerating technology is ideal for adding a bath in tight spots, Coletto notes, such as under a stairway or inside a closet. The simple installation process drives the cost savings. “With no digging,” says Coletto, “I can install a Saniflo system in about half a day.”

Best of all, this type of home renovation reaps instant rewards, improving the quality of life now and paying dividends later.

So, if you are thinking of selling your home, now is the time to plan your new bath installation. Last year’s federal, first-time homebuyer tax credit fueled an impressive increase in the home-resale market. The incentive helped drive year-over-year gains for nine straight months in 2009, according to the National Association of Realtors (NAR). Thanks to an extension and expansion of the program for those signing before April 30, many expect a similar increase in existing home sales during early 2010.

In addition to readying your home with a bathroom addition, here is a checklist of other ways you can easily increase the curb appeal of your home:

* Remove broken toys and tools that may have collected in the yard.
* Pick up debris and store trash cans out of view.
* Install new bulbs in porch and security lighting.
* Check bricks and pavers for cracks: Replace them and reset any that are loose.
* Patch worn or cracked asphalt or cement in the driveway.
* Edge grass and remove weeds that may have grown over walkways.
* Repaint the front door and freshen up chipped and peeling paint trim.
* Clean and polish the brass on doorknobs and lock housings, or replace them if severely tarnished.
* Replace any broken glass panes.
* Clean out gutters and downspouts.
* If you have a post mailbox, make sure it is upright and sturdy.

Learn more about low-cost above-floor bathroom systems by visiting www.saniflo.com or calling toll-free at (800) 571-8191.

Courtesy of ARAcontent

Jul

8

Home Inspection Helps Ensure Dream Deals Don’t Turn into Nightmares

(ARA) - You found your dream deal on a foreclosed home, but will that great price tag come with a different kind of higher cost? Buying a repossessed property, short sale or a home offered at a bargain price — because of its condition — can mean you’re assuming much higher risks.Repossessed and short sale homes are often abandoned and neglected, leaving them with much more potential for unforeseen structural defects, plumbing, electrical, heating systems, environmental issues and many other problems. Fixing these woes can cost far more than the financial savings from a distressed property purchase. There also may be unknown defects, such as mold or radon, that could affect your family’s health and safety.

Still, it is possible to get a dream deal on a distressed home. Before you sign on the dotted line, be sure to have the house thoroughly inspected by a professional, so you can reduce these potential risks as well as financial costs. A home inspector can help you identify potential problems in the home you’re considering buying, so you know in advance what you’re getting into — and what you should walk away from.

There are many ways to find a home inspector, including consulting family, friends, your attorney, real estate professional or mortgage professional.

Homebuyers aren’t the only ones who can benefit from a home inspection. If you’re selling your home, having it inspected before you list it may help sell your home in less time and for more money. Moreover, homeowners can benefit from maintenance inspections, such as an energy inspection, which can help reduce monthly energy costs, and a home safety inspection that can help seniors stay in their homes longer.

If you’re thinking of hiring a home inspector, we offer a few tips on how to evaluate candidates:

* Ask the inspector how he operates. What format will the report be in? Ask for sample reports.

* Talk with each candidate to see who is the best fit for your needs and comfort, as well as for the property being inspected.

* Check all references. Don’t automatically go with the lowest price. Remember, the old adage is often true — you get what you pay for.

* Attend the inspection to ensure you get the best value — and most information — for your investment.

A home inspector can be your best ally in ensuring your dream deal doesn’t turn into a nightmare.

Courtesy of ARAcontent

Jul

7

Solutions to help homeowners outsmart Mother Nature

(ARA) – Protecting your home means you’re pitted in a constant struggle against the forces of nature. Products and improvements that help you beat the weather are a smart investment.Look for “weather beater” products that are low maintenance or that provide solutions to harsh climates and moisture. Remember, weather damage can occur in any season, whether it’s from hot or freezing temperatures, driving rains or rising flood waters.First line of defense

Water damage can happen to any home in an instant, ruining valuable electronics or priceless family heirlooms. Even if you’re not in a flood zone, it is wise to invest in a main sump and battery backup pump.

“When storms hit or snow melts off, the ground gets over saturated and the water can enter your home,” says Tony Ferrante, vice president sales and marketing, Wayne Water Systems. “Sump pump systems are easy to install and provide years of worry-free service.” And, he advises, if you’re in a water-prone area, the sump pump should have a reliable battery backup pump, since power tends to go out during storms. For removing standing water in an emergency, such as pipes bursting or a sink or washing machine overflowing, utility pumps also come in handy. Many are portable and submersible.

A complete basement protection system is a minor investment compared to the extensive damage water can do to property and sentimental items that can’t be replaced. It is your first line of defense to protect your biggest investment: your home. Visit www.waynepumps.com for more information or go to amazon.com and key in Wayne Pumps.

Decks that endure

Moisture can be your deck’s worst enemy if it’s made of wood or has wood content. Decking and porch materials are available that have the rich looks of wood, but are resistant to moisture, insects and freeze/thaw conditions. The home exterior experts at AZEK Building Products say the latest innovations are cellular PVC deck boards and porch planks that stand up to weather with a durable, natural looking surface.

“It resists any type of food stains you can dish out, including red wine and barbecue sauce,” says Brian Kincaid of AZEK Building Products. He cautions to always ask for a code report for any decking product, since many building permits require this.

An outdoor haven with classic looks

Rain or hot sun does not have to limit your outdoor enjoyment. Enhance your entryway or backyard with a beautifully crafted pergola featuring rain-resistant or waterproof canopies in a range of colors and designs to add comfort and protection from weather.

For example, Walpole Woodworkers features pergolas in natural wood or low-maintenance cellular PVC to withstand the elements. With the added option of a manual or motor-driven retractable canopy, homeowners can enjoy shelter from rain, UV-rays and even add privacy with retractable side panels. The company offers free pergola or canopy design consultations at (800) 343-6948 or www.walpolewoodworkers.com.

Caulk goes above and beyond

Water damage and energy leaks can threaten your home and drain your wallet. Caulk delivers more bang for the buck than expensive technologies like solar, according to a March 6, 2009 Wall Street Journal article. A third of the energy loss in homes could be stopped by simple caulking and insulating, the article says.

One way to head off moisture or beat extreme temperatures is to buy the best caulk you can find. One example is LIFETIME Caulk from Red Devil, recognized for its durable “lifetime” seal with a warranty against weather damage for the life of the home. “Caulk is easy to apply and can result in up to 20 percent savings on utility bills,” says Jason Ringling of Red Devil.

Homeowners who want to protect their homes, increase resale value or enjoy low-maintenance exteriors can make sound product choices now, rather than pay big bucks to repair problems later. It is possible to stay one step ahead of Mother Nature.

Courtesy of ARAcontent

Feb

16

(NAPSI)-For people ready to make the commitment and buy a home, the timing couldn’t be better. Buying conditions are more avorable than they’ve been in years: Home choices are abundant, affordability has improved, mortgages are available and interest rates are historically low. Even better, a temporary $7,500 tax credit is also available for first-time homebuyers. The bad news is that these incentives won’t last forever.

“Homeownership is an investment in your future. For people in a good position to purchase a home, buying now is a smart move,” says Lawrence Yun, chief economist for the National Association of Realtors®. “Current market conditions are ideal, creating a window of opportunity for buyers who want to become homeowners.”

Homeownership isn’t just financially rewarding-it also creates stability and provides many social benefits. Purchasing a home means investing in the community. People have a greater stake in what happens in their local area when they own rather than rent. Families and neighborhoods build lifelong bonds that create strong foundations for future generations.

“Studies have shown children of homeowners are stronger academically,” adds Yun. “There’s a certain comfort and security children feel knowing they have a stable place to call home.”

Homeownership also contributes to safer communities because owners have a lot more to lose financially than those who rent. Homeowners are much more likely to participate in local crime prevention programs and be involved in local civic affairs.

A recent study found that eight out of 10 economists agree that home prices will rise again in the next five years. Waiting too long could cost you the home of your dreams and you could find yourself looking back with regret, wondering why you didn’t buy when you had the chance.

A Realtor® can explain market conditions and help you take advantage of real estate opportunities. For more information, to search home listings or find a Realtor® in your area, visit www.realtor.com.

With low interest rates and an abundance of available homes, it can be a great time to turn those dreams of homeownership into a reality

Jan

8

Dec

14

If you haven’t built a new home or taken on a major bathroom or kitchen remodeling project in recent years, you might not be aware that today’s plumbing options are very different than they once were.

Although traditional copper piping still exists, skyrocketing prices, combined with increased concerns of corrosion, pitting and scaling - all of which can significantly shorten the life of the system and cause significant property damage - have created greater demand for newer technologies.

According to an annual survey conducted by the National Association of Home Builders (NAHB) in 2007, high-performance plastic piping, in both the form of chlorinated polyvinyl chloride (CPVC) and cross-linked polyethylene (PEX), now dominates the residential new construction market, and for good reason.

* Reliability. Unlike copper, neither CPVC nor PEX will pit or corrode, regardless of the pH level of the water.

* Long-term performance. Also unlike copper, neither CPVC nor PEX are subject to scale buildup, which means water flow remains consistent throughout the life of the system.

* Cost. Plastic is not nearly as susceptible to the pricing fluctuations caused by the world supply and demand for metals such as copper.

* Ease of installation. CPVC piping, like that found in a FlowGuard Gold plumbing system, is installed quickly and easily with a reliable, one-step solvent cement joining system. In fact, a solvent cement joint is actually stronger than the pipe or fitting alone. A PEX system, by comparison, utilizes a crimped joint which, even though it’s somewhat more challenging than solvent cement, is still less cumbersome than the soldered joint of a copper system.

* Quiet operation. Both water flow noise and water hammer are magnified in metallic systems. Third-party testing has proven that a FlowGuard Gold CPVC plumbing system is actually four times quieter than copper.

* Energy efficiency. The natural thermal properties of plastic help maintain water temperature within the pipe, keeping hot water hotter and cold water colder than copper. This not only makes the systems more energy efficient, but also reduces condensation.

* Track record. This is a critical area in which CPVC and PEX differ. The first CPVC plumbing application was commercialized in 1959 by BFGoodrich (now Lubrizol Advanced Materials, Inc., maker of FlowGuard Gold CPVC). Since then, CPVC piping has been successfully used in water distribution, fire sprinkler and industrial applications. PEX is a relative newcomer to the North American plumbing market, despite the fact that it has been used successfully in Europe for decades. What makes the domestic experience for CPVC more meaningful is the fact that the U.S. uses a higher concentration of chlorine and other disinfectants than any other country. These same disinfectants have been shown to potentially cause stress cracking in some PEX samples.

* Environmental attributes. With more homebuyers and homebuilders focused on the environment, it’s important to note that CPVC and PEX both offer a number of environmental advantages over traditional copper piping. Because it is lighter in weight, plastic piping requires less energy to transport to the job site. With no corrosion or scale build-up, the interior surface of plastic pipe remains smooth to offer superior hydraulics and require less energy to effectively convey water. In addition, CPVC requires far less process energy to melt and shape during the manufacturing process than other piping materials.

* Taste and smell of water. Advocates of plastic plumbing pipe have long hailed the product’s ability to maintain water quality. That is to say that neither CPVC nor PEX will leach potentially harmful copper into the water supply. However, a recent sensory impact study conducted by The Civil and Environmental Engineering Department of Virginia Tech further documented the superiority of CPVC, in particular, as it related to water taste and smell. A trained panel using Flavor Profile Analysis to assess odors and tastes of water in contact with various piping materials, found CPVC clearly outperformed the other materials in the test.

* Easy transition. If you are remodeling or adding a bathroom or laundry room and your current copper piping is still intact, the good news is that transition fittings are available to allow fast, inexpensive transitions from existing copper pipe to CPVC or PEX.

For more information on the latest plumbing technologies, visit www.flowguardgold.com.

Courtesy of ARAcontent

Dec

14

As first-time homebuyers grow curious about the home-buying process, they often turn to friends and family for advice about purchasing a home. While these sources can provide useful tips and information, they also may perpetuate some common home-buying myths.

“While family and friends may have the best intentions when sharing their purchase experiences, it is important to make sure that first-time homebuyers have accurate information,” says Brian Lee, vice president and national sales manager for ditech, a wholly-owned subsidiary of GMAC Financial Services.

There are many resources first-time buyers can use for learning about the home-financing process, including attending local mortgage seminars or researching online. Well-known mortgage lenders such as ditech often have educational resources and mortgage tools on their Web sites.

So what are some common home-buying myths? Lee, who has 10 years of experience in the mortgage industry, addresses the myths and sets the facts straight.

Myth 1: You need perfect credit.

An individual’s credit score will significantly affect his or her mortgage loan approval and interest rate. Credit scores may range from 500 to 850, but the majority of scores are between 600 and 700. The higher the score, the more options you will have when looking for a mortgage. Along with your credit score, lenders will need to consider other factors before they approve a loan. Carefully review your credit report and immediately contact the credit reporting bureaus to correct any errors. You will want your credit report to be accurate by the time you apply for a mortgage.

Myth 2: Owning a home is more expensive than renting.

In many markets, owning can be as affordable as renting, especially when you consider the tax advantages of owning a home. Unlike rental costs, which increase over time, fixed-rate mortgages provide consistent monthly principal and interest payments for the life of the loan. As you make payments, the money will be applied toward the principal, increasing the equity in your home over time. Historically, owning a home has been one of the easiest ways of building wealth in America as home prices generally increase over time.

Myth 3: Lenders share your personal information.

Your personal information is protected by federal and state privacy laws. Generally, lenders must get your permission to share personal financial information with non-affiliates.

Myth 4: The mortgage process is too long and complicated.

With the right resources, the process of buying a home and obtaining a mortgage can be simplified. Expect an experienced loan officer to review the home financing process with you, define terms, and address concerns to find the financing option that’s right for you. In addition, home lenders such as ditech (www.ditech.com) offer a number of online resources such as payment calculators, appraisal tools and a glossary of commonly-used mortgage terms to simplify the home-buying process.

Myth 5: Lenders love to make you wait.

Mortgage lenders don’t enjoy making you wait, but it does take time to review your application. Although some lenders may give you a preliminary and conditional pre-approval based on the information provided in an application, they will need to verify this information. This typically involves confirming employment and income, financial assets, and assessing the value of the home you’re purchasing. Other documents, such as a payoff statement, may have to be ordered as well. Because lenders must rely on the response time of third parties, the process may take longer than anticipated. Ask your lender about what to expect when you submit an application and to keep you informed of unexpected delays.

Courtesy of ARAcontent

Dec

14

Purchasing or upgrading a heating and cooling system can be confusing with so many parts, pieces, sizes and options to choose from. How do you know what’s right for your home? Here is a quick primer from American Standard Heating & Air Conditioning to help explain the key components of a heating, ventilation and air conditioning (HVAC) system to determine which may best meet your family’s needs.

It all starts with a matched system, which refers to components that are designed to work together to provide greater efficiency, reliability and comfort. Matched systems can be “split” (separate units placed inside and outside the home) or “packaged” (one single unit, which houses all components in a single cabinet, placed outside the home). The components of matched systems may include:

Outdoor units: Air conditioner or heat pump
An air conditioner offers cool, quiet comfort during the hottest days by extracting heat and moisture from indoors. A heat pump looks like an air conditioner, but it does double duty, acting as both an air conditioner and a furnace. Unlike a furnace, it doesn’t burn fuel to create heat. A heat pump uses electricity to keep your home warm in the winter, cool in the summer and comfortable all year long.

Indoor units: Furnace or air handler
A furnace works with an air conditioner to heat and evenly circulate air throughout your home. An air handler performs the same duties as a furnace in homes that use electricity instead of gas. It works with an air conditioner to circulate cool air in the summer. Or, when paired with a heat pump, it circulates cool air in the summer and warm air in the winter.

Air cleaner or filtration system
For even greater comfort and cleaner indoor air, an air filtration system can be added to your furnace or air handler to filter out unwanted airborne particles. The American Standard Heating & Air Conditioning AccuClean whole-home air filtration system removes up to 99.98 percent of the allergens from the filtered air that your family breathes, including dust, dander, pollen and bacteria. It also removes more than 99 percent of the common flu virus from the filtered air in your home, according to a new Harvard University-led research study.

Thermostat
This is the control center for your home comfort system. A programmable thermostat will automatically adjust temperatures throughout the day, ensuring greater energy efficiency and enhanced comfort.

Humidifier
A humidifier will add moisture to the air during wintertime and in hot, dry climates. A humidifier can be attached to a furnace and programmed to automatically turn off once humidity in your home reaches a pre-set level.

Complete system convenience
Some systems are not only matched but can “communicate” with each other to deliver ultimate comfort, convenience and peace of mind. One option is the American Standard Heating & Air Conditioning AccuLink system, which uses built-in technology to ensure all components are automatically and properly charged, configured and calibrated. It even includes a Telephone Access Module (TAM) that lets you monitor the system and make temperature or humidity adjustments when you’re away, so you can spend more time enjoying your family and less time worrying about your home.

A professional HVAC contractor can help you decide what components are right for your home depending on where you live and your house’s energy sources. For more information or to find an independent American Standard Heating & Air Conditioning dealer in your area, visit www.AmericanStandardAir.com.

Dec

14

The winter months between November and February are the peak months for home fires, representing nearly 37 percent of all residential fires annually. According to the U.S. Fire Administration winter fires are more deadly and cause more damage, resulting in over 6,900 injuries and more than 1,700 deaths each year. Experts agree that advance preparation and planning are key factors in increasing your chances of a good outcome should fire strike this winter. 

“Many people wait until it is too late to worry about ‘just in case’ fire planning and preparation. Now is the right time to take the steps necessary to help reduce your fire risk and increase your escape time should fire strike your home, dorm or apartment,” says Peter Kuppler, veteran Fire Chief, fire instructor and certified arson investigator. “Despite the risks, statistics show only 26 percent of families have actually developed and practiced a home fire escape plan. Another reality families should know is that 70 percent of all residential fire fatalities are due to smoke inhalation — not burns — so preventing smoke from entering bedrooms is vital.”

With October being National Fire Safety Awareness Month, now is a perfect opportunity to make sure your home and family are ready in case of a fire. Aside from knowing the risks, former Chief Kuppler offers additional advice for homeowners and college students:

Have a plan. Create an escape plan now and practice it with the whole family at least twice a year. College students and elderly persons should make sure they know the fire plan in their dorm or residential facility.

Get early warning. Having a working smoke alarm reduces the risk of dying in a fire by nearly 50 percent, so check smoke detectors monthly and replace batteries every year … even if you think they are ’still good.’ Experts recommend, and many building codes require, placement of one smoke alarm in every bedroom with one additional unit in a common area (stairway, main hallway, etc.) on every floor.

Learn best practices. Make sure that every family member knows: to stop-drop-roll should their clothing catch fire; feel doors with the back of their hand and not to open it if it is hot; and when they hear the smoke alarm, to drop to the floor to get available fresh air and crawl to the nearest safe exit.

Block the smoke. Always sleep with doors closed and install a revolutionary new safety device called The SMOKESTOPPER under every bedroom door. Featuring a series of smoke inhibiting chambers and a highly reflective strip, The SMOKESTOPPER inhibits smoke from passing under doors and aids rescue personnel in prioritizing their search and identifying loved ones’ rooms during rescue operations. 

Know another way out. Everyone should know as least two ways out of their bedroom. A window can be used if the door is blocked by heat, smoke or flames. Consider a rope or chain escape ladder for sleeping areas on the second or third floors. If trapped in a room, keep the door closed, stay low to the floor and wait by the window. Do not hide under beds or in closets.

Circumnavigating Security Bars. Security bars on windows can help keep thieves out, but can also trap you inside your house in a fire.  Install simple to use emergency releases on the inside of all bedroom windows.

Once you are out, stay out! Getting yourself and family members out should be your No. 1 priority. Use a neighbor’s phone to call 911 or the fire department. Once out, head to a pre-arranged, safe ‘meeting place’ and stay out under all circumstances until a fire official tells you it is safe to go back inside.

For additional fire safety tips and to learn more about The SMOKESTOPPER, go online to www.theSMOKESTOPPER.com. The SMOKESTOPPER can also be ordered over the phone by calling (877)-587-7537.

Courtesy of ARAcontent

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