Appraisal

Home Mortgage Loan! A Genuine Appraisal Of Your SituationBy: Alan LimIt is very common for a lot of people to develop twinkling minds when the decision comes to take out a home mortgage loan. The best mortgage deal is available when you are well prepared to face the ordeal; thus, look before you leap.A life time investmentTaking out a home mortgage loan is a life time investment. You therefore hav

In today’s real estate climate it is imperative to properly understand the valuation process a property goes through. Home valuation tools are readily available to every internet user and usually all that is required is a username and password and some advertising. But the process by which a home is valued is much more than [...]

Ladies and gentlemen, do you have lots of money and loads of priceless gem stones such as diamonds or rubies stashed somewhere? :-)I hope so since this post will definitely interest those mentioned in the above question. I stumbled upon this site a few minutes ago, GehnaBazaar Dot Com. The site belongs to GehnaBazaar, purportedly provides diamond appraisal services to those looking for it. Well, I

Poor State Rep. Phil King (R-Wetherford). He evidently doesn’t have near enough to do after surviving a hang-on-for-life primary campaign, because now he evidently wants to start a collection of appraised value notices from appraisal districts in his area: Many of my constituents have recently contacted me about large increases in their local property tax appraisals. This is deeply disturb

360 Degree Appraisal - the way ahead By Indranil Banerjee The new Business year has started and it is the time to corporate HR work upon performance of individuals during preceding year and start redesigning appraisal system for coming year. During Last few years at every level of the Corporate, irrespective of stream, age and other demographic heterogeneity the buzzword is “Performance”. And as more and more the individual performance is being aligned with performance of the unit one attached with, the old aged issues like personal preference or biasness of supervisor to subordinate murmuring across. The industries find out solution at this age of LPG to get a wholesome picture of ones’ performance curbing out the much talked about menaces of conventional performance a

The "Home Valuation Code of Conduct" (HVCC) was supposed to deal with the shady and unethical practice of pressuring appraisers to "hit the numbers" and a conflict of interest caused by lenders having ties to appraisal management firms. The HVCC came out of a March 3rd agreement reached between the Attorney General of New York (Andrew Cuomo), the OFHEO and Fannie Mae and Freddie Mac. In the settlement agreement, the parties agreed to address issues of appraisal coercion and independence...

Performance Appraisal Defination Assessment of employee contribution to the success and growth of an organization can be defined as the Performance Appraisal. Continuous assessment of employee performance helps organization to determine whether the performance of employee is aligned with the objective of the organization and this will ultimately help to measure the actual job performance vis-a-vi

Performance appraisals are increasingly viewed by many as total waste of time and having absolutely no impact on performance. In fact some are of view that they reduce the performance than increasing it. Why such a great principal of Human Resources have been targeted by many as useless? The blame should go to its implementation rather than concept itself. While implementing Human Resource Departm

Here are five quick and easy tips to prepare for your home appraisal that are frequently overlooked: 1. Turn off your sprinklers The appraiser is going to have to walk all around the outside of your house to measure, take pictures and look at the overall condition of your property. If your automatic sprinklers are on - [...]

360 Degree Assessment & 360 Degree Appraisal I am looking for a trainer to train on 360 Degree Assessment & 360 Degree Appraisal. This would be a contract based free lancer assignment. If Intrested please send me your updated profile at niche.trainers@gmail.com Please feel free to contact me on +91-9871795755 This is an alias profile. Thanks & Regards

Sound impossible? It’s actually not. It’s a well-documented fact that one of the greatest contributors to low morale in organizations is management’s tolerance of low-performing individuals. A well-designed performance appraisal system can help identify your weak links and play a major role in changing a low morale culture into a high performance one. Performance management consultant Dick Grote has designed performance appraisal systems for hundreds of organizations with impressive results. If you want serious culture change and improved morale, then look to an unlikely source - your performance appraisal system.

Imagine if you were given the winning numbers to the Super Lotto drawing on Friday one day ahead of the drawing. Or if you suddenly had access to the victorious teams and point spreads on Saturday, the day before the football games take place on Sunday. How do you think you would do? My guess [...]

I began appraising in 1990. I never intended to be an appraiser forever, but it was a “good enough” job at the time. I soon discovered I had a natural talent for it and my employer agreed. By 1993, I was managing the high-profile Beverly Hills office of a nationally known Thrift. Do you remember [...]

Home appraisals can be an advantage or a disadvantage depending on how good a home has been kept up. If you are putting your home on the market, you will want the appraisal to be as high as it can be. If you are having a house evaluated because you want to buy it, a [...]

The good new is that reforms for the appraisal of residential properties will increase the objectivity of the process. The bad news is that it's going to cost borrowers more, mostly because a new appraisal will be required for each application, which mortgage brokers say will make them less competitive because they often submit to multiple lenders. But change may be on the horizon in terms of technology, with a start-up firm proposing to create a database of existing appraisals much like the business model for credit reporting bureaus. From a CNNMoney.com story:In a recent agreement with New York State Attorney General Andrew Cuomo, Fannie Mae (FNM) and Freddie Mac (FRE, Fortune 500) pledged that they will only buy mortgages from lenders that use independent appraisers. Since these two

Sound impossible? It’s actually not. It’s a well-documented fact that one of the greatest contributors to low morale in organizations is management’s tolerance of low-performing individuals. A well-designed performance appraisal system can help identify your weak links and play a major role in changing a low morale culture into a high performance one. Performance management consultant Dick Grote has designed performance appraisal systems for hundreds of organizations with impressive results. If you want serious culture change and improved morale, then look to an unlikely source - your performance appraisal system.

Bowing to pressure from New York Attorney General Andrew Cuomo, GSE giants Fannie Mae and Freddie Mac have agreed to institute new standards for appraisals related to the loans they buy in order to avoid potential collusion between lenders and appraisers. While I'm sort of curious why this wasn't done years ago (and along the lines of the City of Los Angeles' self-congratulatory press release for finally getting around to synchronizing 75% of the city's traffic lights, with the remaining 25% along the routes I tend to travel), it's an important step in giving lenders the confidence to open up the credit lines for an eventual housing rebound. From an L.A. Times story:Mortgage giants Fannie Mae and Freddie Mac agreed today to revamp their home-appraisal standards to eliminate the type of al

Fannie Mae and Freddie Mac announced today that they will no longer be honoring appraisals from lenders' in-house appraisers or appraisal management companies that are owned or controled by the lender. Fannie and Freddie have agreed to new standards designed to ensure independence of the appraisal process. They have also agreed to provide $24M over a five-year period for independent monitoring of the new standards. Fannie and Freddie's federal regulator, the Office of Federal Housing Enterprise Oversight (OFHEO), signed off...

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An appraisal is needed in most cases where a loan is involved. Your final loan will not be approved until your lender orders a professional appraisal of the home to make sure that the agreed-upon selling price is justifiable based on the current market value of the property. The cost of the appraisal is typically determined by the complexity of the appraisal report and the time required completing it. This cost is generally factored in as a closing cost.A professional appraiser will select the appraisal method that is applicable to the particular property to arrive at an unbiased opinion of value. One approach is to look at comparable homes in the area that have sold within the last six months. If there are a number of similar properties that have sold recently, the appraiser's job is easy

A certification is a survey of your gem that defines or grades certain features or qualities with internationally recognized values. These features are often known by the 4C acronym. An appraisal is a valuation or market price based on this specification.

Once upon a time a Washer man was bringing up two donkeys. Let us say Donkey-A and Donkey-B. Donkey-A felt it was very energetic and could do better than the other. It always tried to pull the washer man’s attraction over it by taking more load and walking fast in front of him. Innocent Donkey-B is normal, so it will walk normal, irrespective of the waterman’s presence. After a period of

A little boy went into a drug store, reached for a soda carton and pulled it over to the telephone. He climbed onto the carton so that he could reach the buttons on the phone and proceeded to punch in seven digits. The store-owner observed and listened to the conversation: The boy asked, "Lady, Can you give me the job of cutting your lawn? The woman replied, "I already have someone to cut my lawn

Have you ever wondered just exactly what an appraisal is, or what components make up an appraisal? This weeks phone calls have consisted mostly of folks wanting a Realtors advice of what to do when they receive a disappointing appraisal. What some home owners or buyer's sometimes don't understand is that there are many guidelines that Appraisers must follow that are set forth by companies like FannieMae and governmental organizations like the Georgia Real Estate Commission. I have asked a business associate and good friend of mine Jason Farmer who owns Mountain Gateway Appraisal to prepare for me some of those guidelines to share with my readers that are common concerns of those involved in a real estate transaction here in the North Georgia Mountain Real Estate market for a future post. I want to introduce this series of posts with a simplistic answer to exactly what an appraisal is before we look into those guidelines. A home purchase is the largest, single investment most

By: Brian Holland I recently received several e mails from domain sellers who had fallen victim to a domain appraisal scam. The scam starts with a mail the seller receives  concerning a domain they own and the scammer showing interest in buying it. The scammers find information about their targets on Ebay and on Whois. In the first mail they tell you that they are a new player wanting to invest money in the domain market as a side business and inquire how much you want for the domain. Next step is the mail in which they accept your asking price for the domain.  The scammers tell you that they want you to get the domain appraised as they don’t want to make a bad investment. The scammers want the appraisal from a certain manual appraisal website which they believe to be a good one, ofcourse this appraisal website is part of the scam. This appraisal website gives a highly inflated appraisal value and asks a high fee for it ( up to over a hundred dollars) as they know you need the ap

A home appraisal is a key ingredient for processing a home equity loan or a second mortgage. The valuation of a home can determine the maximum loan amount, and influence the home equity rate! To speed up the process and reduce costs,... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]

Book Description ISBN-1413305678 Everything you need to conduct legally safe employee evaluations. The Performance Appraisal Handbook is a must-read for every manager, whether you're writing a performance review for the first time or the hundredth. It's packed with the information and tools you need to make your company's appraisal process work better for everyone. Find out how to: *motivate

D & T National Appraisals, Inc., and its CEO, Donato Odato, 54, 166-11 Cryders Lane, Whitestone, New York, have been variously charged with second- and third-degree forgery, criminal possession of a forged instrument, first- and second-degree falsifying business records, first- and third-degree identity theft, first-degree scheme to defraud and fifth-degree conspiracy. Odato faces up to seven years in prison if convicted. The corporate defendant faces a fine of up to $10,000 for each …Read More...

In the following press release Queens District Attorney Richard A. Brown, joined by Police Commissioner Raymond W. Kelly and New York State Secretary of State Lorraine A. Cortes-Vasquez, today announced the indictment of a Whitestone real estate appraisal company and its chief executive officer for allegedly inflating the value of properties in connection with numerous residential mortgage applications. In a 397-count indictment, D & T National Appraisals, Inc., and its CEO, Donato Odato, 54, of 166-11 Cryders Lane in Whitestone, have been variously charged with second- and third-degree forgery, criminal possession of a forged instrument, first- and second-degree falsifying business records, first- and third-degree identity theft, first-degree scheme to defraud and fifth-degree conspiracy. Odato faces up to seven years in prison if convicted. The corporate defendant faces a fine of up to $10,000 for each felony count conviction or double the amount of the illegal gain. Distric

A newly joined trainee engineer asks his boss "what is the meaning of appraisal?"Boss: "Do you know the meaning of resignation? "Trainee: "Yes I do"Boss: "So let me make you understand what a appraisal is by comparing it with resignation"Comparison study : Appraisal and Resignation**********In appraisal meeting they will speak only about your weakness, errors and failures. In resignation meeting they will speak only about your strengths, past achievements and success.**********In appraisal you may need to cry and beg for even 10% hike. In resignation you can easily demand (or get even without asking) more than 50-60% hike.**********During appraisal, they will deny promotion saying you didn't meet the expectation, you don't have leadership qualities, and you had several drawbacks in our objective/goal. During resignation, they will say you are the core member of team; you are the vision of the company how can you go, you have to take the project in shoulder and l

Appraisal credit card processing and their expenseIf you start or the current operation business you realize accept credit and transfer the account card the importance. Nearly 80% commerce today complete by the non-cash form when the on-line enterprise accepts credit and transfers the account card is 90% their business.Does some person in where start when looks at the merchant account (credit card processing account)? Has the present to provide these services in the non- orderliness industry previous hundred companies in the Internet. The company for example Internet merchant account andthe high risk merchant account provides the retail sales and the Internet explanation BBB member.Merchant account most confusing part middle is their expense. Has nearly 10 different expenses adding on rate. Fei Holv is higher if you accept the card in the telephone or in the Internet. This is because has deceives one kind the risk which elevates. When applies for the merchant account to have with yours

Meaning of Appraisal A newly joined trainee asks his boss "what is the meaning of appraisal?"Boss: "Do you know the meaning of resignation?"Trainee: "Yes I do"Boss: "So let me make you understand what a appraisal is by comparing it with resignation"Comparison study: appraisal and resignation In appraisal meeting they will speak only about your weakness, errors and failures. In resignation

In my CAT Paper 5 management paper, I learnt about employees appraisal which they are being evaluate for their performance throughout the year and there might be praises and critiques for them.One way of doing the appraisal is through employee self evaluation whereby they write about how they have been to the management. This is an effective way since the employee is recalling what goods and bads they have done for the company and in the future, they will try to change.

In the following press release The Office of the United States Attorney for the District of Vermont announced that Gerald Mullaney, 60, of East Greenbush, New York, pleaded guilty on September 24, 2007 in United States District Court in Burlington to a charge of bank fraud. Chief U.S. District Judge Williams K. Sessions III released Mullaney on conditions pending sentencing, which is set for January 28. On November 9, 2006, a federal grand jury in Burlington returned a one count indictment charging Mullaney with bank fraud. The indictment accused Mullaney of falsifying the appraisals he performed for about 100 mortgage loans for homes in northern New York that were financed by National City Mortgage Company. According to the indictment, Mullaney falsely inflated the appraised values of the homes, and his appraisals also provided other materially false information about comparable properties and the properties for which the loans were being sought. Mullaney faces up to 30 years of im

Book Description ISBN-081447151X This book is highly recommended for the organization or manager seeking to become more comfortable with the appraisal process. Most managers hate conducting performance appraisal discussions. What's worse, few feel confident in their ability to accurately assess the performance of a subordinate. In The Performance Appraisal Question and Answer Book, expert Dick

There are many classic car dealers and collectors in the United States of America alone. In the other countries, there could also be the same ratio. Sometime, these classic car traders could even interconnect and cross the oceans to do business with each other. The antique car appraisal must then be based on the same standards to get a correct appraisal. (more…)

The 2008 Beijing Olympic Games are approaching fast. As part of the ongoing celebrations, Beijing has been subjected to many fascinating and engaging developments that truly define the Chinese culture. From magnificent Olympic venues to exciting cultural festivals, Olympic Games have never looked so good. Although it is difficult to predict the overall success rate of the 2008 Beijing Olympics, there is however an important element of the Games that has been successfully demonstrated: the 2008 Beijing Olympic Logo or the Olympic Emblem. At first glance, I liked the Beijing Olympic logo and wondered if others shared my opinion too. So, I inquired from some of my colleagues about their initial reaction towards this inspirational mark. Interestingly, I received some exciting comments from people regarding the 2008 Beijing Olympic logo, ranging from color choice to the whole outlook of the logo. I liked the idea and the comments so much that I decided to share some of those thought-provok

ExxonMobil Oil Indonesia and Pertamina plan to dwill in Banyu Urip field in Cepu this month. The drillng of two appraisal wells will verify the oil reserves in the field, ExxonMobil Oil Indonesia's Vice President for Commercial & Planning Maman Budiman said in Jakarta. "We will drill two appraisal wells in Banyu Urip this month," Maman Budiman said. He added that the partners continue clearing lands in Cepu to accelerate production from the block. Cepu block is estimated to hold 600 million barrels of oil and 1.7 TCF of gas. Banyu Urip is estimated to hold 250 million barrels of oil.Via: Scandinavian Oil & GasExxon Mobil sued in New York spillNew York state officials acting on a five-month-old threat sued Exxon Mobil on Tuesday for spilling millions of gallons of oil in a Brooklyn neighborhood and then taking decades to clean it up. The lawsuit accuses Irving-based Exxon of doing too little to mop up a huge underground oil plume lying beneath businesses and homes in Greenpoint, a sect

ExxonMobil Oil Indonesia and Pertamina plan to dwill in Banyu Urip field in Cepu this month. The drillng of two appraisal wells will verify the oil reserves in the field, ExxonMobil Oil Indonesia's Vice President for Commercial & Planning Maman Budiman said in Jakarta. "We will drill two appraisal wells in Banyu Urip this month," Maman Budiman said. He added that the partners continue clearing lands in Cepu to accelerate production from the block. Cepu block is estimated to hold 600 million barrels of oil and 1.7 TCF of gas. Banyu Urip is estimated to hold 250 million barrels of oil.Via: Scandinavian Oil & GasExxon Mobil sued in New York spillNew York state officials acting on a five-month-old threat sued Exxon Mobil on Tuesday for spilling millions of gallons of oil in a Brooklyn neighborhood and then taking decades to clean it up. The lawsuit accuses Irving-based Exxon of doing too little to mop up a huge underground oil plume lying beneath businesses and homes in Greenpoint, a sect

Well i was randomly browsing and came across a very strange domain name appraisal tool, I’m serious well its completely different than other tools available on the internet and i pretty much think its rubbish but you, our readers can be the judge of that. Presenting Swift Appraisals. Note: Before i begin explaining how this tool works [...]

I use a lot of services to calculate the value of a domain before buying it but LeapFish remains my ever favorite. I would have reviewed it on my blog sometime anyway but good for me LeapFish bought a paid review on this blog. I have been using this service for over an year long now and even today I see that the online domain appraisal tool maintains its standard and quality. Free Domain Appraisals at LeapFish If you want to excel and stand out in today’s competitive Internet market then you must buy a domain for your website that has high Internet market value but the question is that how exactly can you calculate the Internet market value for a domain of your choice? That is where LeapFish comes to our rescue. This great tool will use the power of its free domain name appraisal system and will calculate the Internet market value for your domain in just an instant. How LeapFish Domain Appraisal System works? LeapFish uses a lot of search engine optimization factors to determi

Alan Hummel, spokesperson for the Appraisal Institute, in prepared testimony Tuesday before a Senate subcommittee on mortgage industry abuses blamed poor regulation of mortgage brokers and lenders, and weak or nonexistent enforcement of real estate practitioners for the practice of "hitting the number" (aka inflating the value of a property to meet the purchase price and make the lender "happy" and the deal go through). Hummel pointed the finger at mortage lenders and said,"Appraisers face pressure from various parties involved in mortgage transactions. They are told to doctor their appraisals or else never see work from those parties again." So what Alan Hummel is saying is that the lender is to blame for the personal decision of an appraiser to basically lie, cheat and steal consumers and investors out of money by falsley inflating the value of a property and the documents that "support" that value?! Yes, Hummel is correct that the lender (and some agents/brokers) would have stoppe

Hi guys.I want to appraisal e-gold2paypal.com. It had $113 in last 9 days with google adsense.You can see stats here. (http://www.tinypic.us/images/54385e-...pal.gif)Please post your appraisal here.Thanks. More...

Book Description ISBN-0814408761Foreword by Dick Grote Moving beyond more traditional performance-review methods, this book gives readers the tools to build a genuinely proactive performance management program. Fully updated with all-new case studies from major companies, the second edition will help managers and HR professionals: * start a program designed to get maximum results * understand job

Prediction: Zillow develops and rolls out a nation wide Zillow affiliated Appraisal Franchise system by years end. That would end all the debate over whether or not a zestimate was accurate and/or an appraisal. Zillow would clearly be offering both a free public online zestimate service and then when it’s time to be really serious, a paid, done by a human real world take it to the bank and ask for money appraisal. The media hype is largely all in place. An appraisal franchise wouldn’t seem to require a huge capital investment to start up. All they have to do is discount whatever the local rate is a bit and appeal on www.zillow.com to use one of their affiliated professional appraisers. It would seem like it should be a near instant success. The consumer would save money. Zillow flips the zestimate weakness into a sales pitch for a paid service and makes money. The Zillow appraisers get a constant inflow of appraisal leads from Zillow.com, plus the most outsta

Just doing a little of both. 12 more sections left for appraisal school, then 15 hours of USPAP. Online poker, playing .25/.50 limit at Full Tilt Poker. If you play poker, check out... Come along side one man's journey to reach $100,000. He's a normal, everyday guy fighting debt and living paycheck to paycheck. Can he do it? Read to find out!

BIRD WRITES IN INGRATIATED EMAIL:Woke up this morning, rolled out of bed. Jumped in me motor and whizzed off to the Bore Fest. The only thing that kept me going was YUMMY FRIDAY. A breakfast down da White City to kill, or be killed, for. Oh yum yum yum yum - gooey egg dripping all over the fork and then straight in me gob, followed by scrummy bacon, meticulously stripped of all fat and grist, and then munchy mushrooms dispatched down the hatch followed by spicy sausage and baked beans, all washed down with much slurping and contented gargling by an organic coffee and a pan chocolat. YUMMY!BUFFALO WRITES IN HASTILY COMPOSED EMAIL:No fry-up for me, you wonker! Banned from fry-ups for past misdemoaners. Munching me oats here, dude, and scrunching me nuts. btw that vid you made for YouTube. Old Sparkers watched it on his Real Player. It scared him so bad he decaffeinated in his Lederhosen! Decorating yer Freddy is all very well, but that roving eyeball puts spivers up the pine.BIRD WRITES

I started the online appraisal school 2 days ago. I have to complete 90 hours before I can take the state exam and then I have to work 2000 hours as a trainee. Trying to finish everything asap. ... Come along side one man's journey to reach $100,000. He's a normal, everyday guy fighting debt and living paycheck to paycheck. Can he do it? Read to find out!

It's staff appraisal time here at T4td. That means that our staff of appraisal experts will shortly calling upon you at an unexpected time of the day (or night) to let you know how you're doing.Don't worry - they're professionals. The process will be almost painless and if there is any damage to your property, or your body, or your family, your pets, your neighbours, or your sanity - you will be appropriately billed for the inconvenience that you've caused us.In the meantime, I'd like to give a few of you the opportunity of what our Transatlantic customers refer to as a 'heads up'. This is, in the circumstances, and unfortunately for some of you, a rather apposite turn of phrase.Martin - you have been a reasonable T4td customer for most of the time, but our tracking software indicates that yesterday, whilst your wife was out shopping, you spent a full 47 minutes watching videos of fat people falling over. Shape up Martin. Oh, and by the way - your wife wasn't shopping, bu

How these "CLICK BROKERS" Work???These 3 sites are all click brokers. They are paid programs which purpose is to improve search engines traffic rating with Alexa. In this way they have a better chance of competing with the top-rated search engines like yahoo and google. These programs must deliver clicks that had been bought. They pay people by just doing this. I already have $2.+ from rotatormaster and $1.+ from rigag. I just started last week and only doing them on the evenings. When you've set them up already, all you have to do is minimize the special browser and do the other things you need to do. Then, the money just keep on pouring in.Give it a try, its free and not time consuming.Here are the instructions: (do this for each site or click broker)Step 1. Click in the link below and fill out the form:ROTATORMASTER.COM - RIGAG.COM - PPCAPPRAISAL.COM(Open the link in a new window, so you can follow the instructions in a more easy way!) Step 2. Where it says Company Name put: Rota

A newly-joined trainee engineer asks his boss "What is the meaning of appraisal?" Boss : " Do you know the meaning of resignation?" Trainee : " Yes, I do." Boss : " So let me make you understand what an appraisal is by comparing it with resignation. " In an Appraisal meeting they will speak only about your weakness, errors and failures.In a Resignation meeting they will speak only about your strengths, past achievements and success. During an Appraisal you may need to cry and beg for even a 10% pay hike.In a Resignation meeting you can easily demand (or get more without asking more than 50-60% pay-hike! During an Appraisal, they will deny promotion saying that you did not meet the expectation, you don't have leadership qualities, and that you had several drawbacks in reaching objective/goal.During Resignation, they'll say you are the core member of the team; that you are the vision of the company, and so " How can you go ? "; you have to take the project on your shoulders and lead

A little boy went into a drug store, reached for a soda carton and pulled it over to the telephone. He climbed onto the carton so that he could reach the buttons on the phone and proceeded to punch in seven digits. The store-owner observed and listened to the conversation: The boy asked, “Lady, Can you [...]

As it is Friday I cant help feel it is a good excuse to post something less serious, so if you haven’t seen it before this is the second part of the Ricky Gervais video for Microsoft with an internal or Job Appraisal interview. It is done in Ricky’s unique style, if you haven’t seen the first installment you can see it here. Tags: job appraisal interview, internal interview, ricky gervais, microsoft, recruitment Powered by Qumana