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california association of realtors zip forms

Download the latest C.A.R. Your one-stop-source for real estate products, forms, education, high-tech tools and more, Everything you need for a successful property management & leasing business. ZipForm® Support. Summaries and photos of California REALTORS® who violated the Code of Ethics and were disciplined with a fine, letter of reprimand, suspension, or expulsion. CAA has an Online Forms Tool that allows you to fill out your forms digitally. California Association of Realtors Residential Lease Agreement – The Association of Realtors have produced an alternate version of the form made available to renters and landlords. The National Association of REALTORS® offers a free version of the product or a full-featured professional version that requires a monthly payment. So here are guidelines about MLS rules and professional standards. California Civil Code section 1088(c) states: “A multiple listing service shall retain and make accessible on its computer system, if any, all listing and other information placed in the multiple listing service by an agent or appraiser for no less than three years from the date the listing was placed in the multiple listing service.” Grants for California REALTORS® and residents pursuing real estate education. initiative designed to work with the brokerage community to recognize their up-and-coming agents. All OCR REALTORS® receive access to zipForm® Plus for free but must renew annually by March 31. Home; Browse By this section to be completed by applicant. Let’s make sure your office information is up to date in Lone Wolf Transactions – zipForm Edition. advocates for REALTOR® issues in Washington D.C., Sacramento and in city and county governments throughout California. Whether you are a Digital Ink® user or a DocuSign® user, you will want your desired service to be set as default in your account. A placeholder is a visual reminder in your template of paperwork that you know is on its way but you do not want to forget to add it in. Endorsement not implied. events, market implications and advice for California REALTORS®, home buyers, home sellers and … Total existing-home sales grew to a seasonally adjusted annual rate of 5.49 million homes, the highest level since February 2007, up 3.2 percent from the 5.32 million in May. Take your professional development up a few notches. Complete transactions and contracts electronically through zipForm®. Fountain Valley Office Are you interested in learning more about Lone Wolf Transactions – zipForm Edition and how to get ahead of the competition? With one-click integration, users can easily sync transaction data and completed electronic forms through a RELAY™ transaction Web site. 6 charts show REALTORS ® what needs to be disclosed and to whom in various sales and lease scenarios. This training course is for those who want to become certified as a professional standards trainer. A transaction coordinator can easily work on behalf of an agent or broker on transactions when access is permitted. Users must click on RENEW YOUR ACCOUNT and follow the instructions that come up next. ombudsman may be able to help! This helps ensure that only you can log in to your account and that intruders, even if they guess your password, cannot log in to your account. If a listing agreement already has been signed by seller, then check “OR [] This is an amendment …”, Find form CVA, Coronavirus Addendum or Amendment, in the zipForm™ C.A.R. This has included issues with performing under active or potential purchase contracts, as well as determining how real estate agents may operate their businesses. We want you to feel like a champion every day. Join our attorneys for a “Legal Bedtime Story” or for the scoop on vital issues like the “Top 5 RPA Mistakes”. 3. mobile apps, including CARmojies & Stickers, C.A.R., Legal Hotline, CA REALTOR® EXPO, and zipForm Mobile. California Model MLS Rules, Issues Briefing Papers, and other articles and materials related to MLS policy. Learn about changing these settings in your account profile. Get And Sign Re 400b Form 2011-2020 ; Get And Sign Ca Dre Application 2009-2020 Form; Get And Sign Form Aab100 2011-2020 ; Get And Sign How To Write A Section 8 Extension Letter 2005-2020 Form 1. Access Lone Wolf Transactions – zipForm Edition, Optimize workflow with the comprehensive transaction management system: zipTMS™, Create, sign, track, and send all in one platform - integrated signature solutions, Upload PDFs from any computer and add them to the transaction, Meet online and video-chat with clients to keep them up to date with zipConsult™, Upload photos to your documents to keep a visual record, Photo customization for convenience and easy visual reference, Email selected pages or an entire transaction as single PDF or individual PDFs, Complete integration with zipVault® long-term storage interface, Fast Fill for quickly filling out forms making document language transparent. Learn how to apply and add text to a text field in zipLogix Digital Ink®. Printing forms in Lone Wolf Transactions – zipForm Edition has never been easier. Need help finding the right person? attorneys on the first Tuesday of every month. Explore and interact with the latest market statistics. Privacy Policy | Terms of Use | Sitemap Learn how to utilize this tool, to assist in filling out your forms and contracts. There are multiple form libraries available to you as a member benefit, learn how to access all of them. Forms are displayed/reprinted with permission, CALIFORNIA ASSOCIATION OF REALTORS. Learn more about your discounts, benefits and how your C.A.R. We are always interested in hearing from you. 2. Check here for previous Professional Standards webinars. Add a quick link to this page from the Homepage when you are signed in, Copyright © 2020 CALIFORNIA ASSOCIATION OF REALTORS, Housing Affordability Index - Traditional, Important California and Federal real estate related cases, 1. Short, helpful, 1-page articles on key legal topics. zipForm®. It allows agents to access and complete C.A.R.’s Standard Forms online. C.A.R. 2. Checklist and Tasks remind you of important events, milestones, or steps to be completed for this transaction. Stand out as a REALTOR® with in-depth technical knowledge on the fundamentals of real estate. 
Benefit through: National Association of REALTORS®
DocuSign® is a digital signature solution that allows you to send and receive electronically signed C.A.R. The latest enhancements to zipForm® Plus help users draft contracts, manage transactions, and close deals! These are not the copyrighted forms from the California Association of Realtors Lead Based Paint Disclosure (Rental): PDF Format The LBP Disclosure is required by law on properties built prior to 1978. HOW TO RENEW YOUR LONE WOLF TRANSACTIONS – ZIPFORM EDITION ACCOUNT 5. Inside Lone Wolf Transactions – zipForm Edition, there is a tool for splitting these combined PDF files into individual documents. Find zipForm®, legal articles and advice, CE training, marketing materials, and more. ZipForms. Laguna Hills Office Current legal developments, C.A.R. Find the rules, timeline and filing documents here. The most recent edition of the Code of Ethics and Standards of Practice of the National Association of REALTORS®. 225, West Building Learn how to archive past transactions and keep yourself protected. Click on the house icon while inside a form to launch the tool. Whether it's legal or financial help you need, C.A.R. zipFormMLS-Connect® is FREE within your zipForm® account. Form TOA). 2. is a statewide trade association dedicated to the advancement of professionalism in real estate. The Rising Star Award program is a C.A.R. Free advice to help you understand the form you're using with Forms Tutor® and identify which form you need for your transaction with Forms Advisor™. You're the brand! Search. ZipForm is the Official Forms Software of the National Association of REALTORS® As a current member of the Maine Association of REALTORS ®, whose dues for 2020 have been paid, you are licensed to use the Lone Wolf Transactions (zipForm Edition) program.You may not legally provide access to this product to any other licensee or individual. you have questions about your benefits and discounts. Learn on-the-go! Be trendy -- stay current with our latest market forecasts and data analyses. As a member of C.A.R., you receive more than 100 free and discounted benefits. Learn how you can make a difference, by getting involved yourself or by passing along valuable information to your clients. An industry that works together, thrives together. Help Combat Wire Fraud with Lone Wolf Transactions – Zipform Edition Collaboration, Access files from any computer with an internet connection, Apply one or multiple templates at any time during the transaction, One-click form additions and predictive Smart Form additions, Advance search capabilities throughout to keep searching simple, Customize email signatures for consistent branding, Outbound faxing and emailing of documents. Maximize efficiency, streamline work flows and reduce risk with the essential forms software used by hundreds of thousands of real estate professionals nationwide and beyond. Important industry cases, resources and information. Real Estate Mediation Center for Consumers has mediators available to assist buyers and sellers (as well as other parties to real estate transactions) in resolving their disputes. Log in to Lone Wolf Transactions – zipForm Edition and declutter your digital desk. Business products and tools to empower REALTORS®. We are an email, a phone call or a click away. • Protect your account and documents Browse through the many courses we offer - listed in alphabetical order. Using Lone Wolf Transactions – Zipform Edition's Collaboration feature enables you to quickly and easily share sensitive information, like wire transfer instructions, safely and securely with your clients, escrow officers or others involved in the transaction in a secure environment within the application. 3. 's Media Center houses the Association's news releases, media guidelines, and logos. Its library is updated automatically to ensure you are using the latest, most current forms. Got knowledge? to ensure you are using your Member Benefit properly. As a C.A.R. Anyone using a non-member version of Lone Wolf Transactions – Zipform Edition will need to visit this link to renew: https://www.car.org/zipform/zf/nonmembers To use zipFormMLS-Connect®: zipFormMLS-Connect is also available within zipForm® Plus. CREPAC, LCRC, IMPAC, ALF and the RAF comprise C.A.R. We highly recommend that you turn on this extra security measure. US Legal Forms enables you to quickly create legally binding papers according to pre-built browser-based templates. Gain insights through interactive dashboards and downloadable content. A Template is a group of forms that you frequently use for your transactions. All you have to do to get started is log in and you’re on your way! Dotloop®, an industry-leading, end-to-end transaction management software for real estate professionals, announced the addition of California Association of Realtors® (C.A.R.) • An additional layer of security Hear about legal developments and answers to common questions. C.A.R. Take advantage of this great FREE feature of Lone Wolf Transactions – Zipform Edition today. Its library is updated automatically to ensure you are using the latest, most current forms. All local associations/boards must designate and certify one person primarily responsible for administration of professional standards processes. If you have this service, click the button below to access your online forms platform: Participate in legislative advocacy as a C.A.R. Fountain Valley, CA 92708 We offer a wide array of real estate educational courses, certifications & designations in various formats. DocInbox functions as a temporary holding area for documents added to your Lone Wolf Transactions – zipForm Edition account. This secure and easy-to-use software is designed to increase your professional productivity and help complete contracts more efficiently. The importance of completing the census survey for REALTORS®. Members of C.A.R. A critical element of Cybersecurity Protection for signing important documents online is ensuring that the signer is the correct person and protect access to confidential documents. The forms must be reproduced and displayed/reprinted in their entirety. Members are usually able to access the online platform within 24 hours of joining the Association or reinstating membership. B. 's 200,000-plus members with greater choice to take their transactions fully digital. Try searching through our various rosters & directories. applicant is completing application as a (clheck one) 0 Sales of existing U.S. homes rose in June to an eight-year high, spurred on by rising interest rates and higher demand, according to the National Association of Realtors. Standard Forms, empowering C.A.R. YPN is a network to sharpen your skills, heighten your leadership, and connect with fellow REALTORS®. Terms and Conditions of Use | Privacy Policy | Permission to Reprint Content | Site Map Copyright © 2017 CALIFORNIA ASSOCIATION OF REALTORS® to ensure you are using your Member Benefit properly. CAA provides members access to a complete library of over 180 California-specific forms that are recognized and recommended by the California State Bar and many regional courts. Any Lone Wolf Transactions – Zipform Edition user can opt in to Two-Factor Authentication, which means that each time you sign in to your Lone Wolf Transactions – Zipform Edition account, you will be asked to enter a code that will be sent to your email or mobile device to gain access to your zipForm® account. security deposit received and the basis for its disposition and supporting documentation as required by California Civil Code § 1950.5(g); and (2) return any remaining portion of the security deposit to Tenant. Continue working in Lone Wolf Transactions – Zipform Edition California Realtor Forms. Help, I need backup! Get answers to your zip-Related questions with user guides, FAQs, videos and more. Did you know that for zero dollars and zero cents, you can speak with an attorney about your transaction? ZipForm® Plus is a free benefit for members of the California Association of REALTORS® (C.A.R.). membership number to access zipForm®. Laguna Hills, CA 92653, Start a new transaction or open an existing transaction, Add a coversheet (this is not necessary, but best illustrates what information is imported through zipFormMLS-Connect®), Click on the "Tools" tab at top of the menu bar, Now enter the MLS listing ID (make sure to choose the Listing Type), After the listing is found, click the import button, A confirmation window will appear confirming to import this information, Once confirmed, the information will be added to your transaction and all forms within the transaction. Your lifeline to the lending community formerly known as the Finance Helpline and Mortgage Rescue™. Arizona REALTORS ® 255 East Osborn Road, Suite 200 Phoenix, AZ 85012 Tel: 602-248-7787 Fax: 602-351-2474 Direct Business Support: 480-304-8930 , support@aaronline.com encourages all members to stay up to date on the outbreak of the novel coronavirus COVID-19, which is currently sweeping the globe. Tenant's Initials ("Landlord") and PROPERTY: A. The main Business Meetings page includes important links for Directors and Committee Members. Plain-English explanations for every paragraph in the RPA that you can send to your buyers and sellers. REimagine! NAR requires that all Professional Standards Administrators re-certify every four years, thereby meeting the learning objectives and minimum criteria established by NAR. Ready to jump into Lone Wolf Transactions – zipForm Edition and create your first transaction? Entire forms must be reproduced with the word "Sample" screened across every page of each form. The latest market forecast and projection to what lays ahead.. View the latest sales and price numbers. Find out more about your member benefits here. Frequently Asked Questions about the Tax Cuts and Jobs Act. CCRE's mission is to advance industry knowledge and innovation with an emphasis on convening key experts and influence-makers. membership can help you succeed. They can be added individually, or added by applying a template that contains tasks. The C.A.R. • Put your mind at ease. 11/09) of realtors® i. application to rent . You will notice that the document does not have signature and initial tags populate automatically. C.A.R. You will need your C.A.R. You’ve gone pro! What comes with that title is even cooler. Any Lone Wolf Transactions – Zipform Edition user can opt in to Two-Factor Authentication, which means that each time you sign in to your Lone Wolf Transactions – Zipform Edition account, you will be asked to enter a code that will be sent to your email or mobile device to gain access to your zipForm® account. We're here to support you in every way possible. Catch up with the latest outreaches and webinars by the Research and Economics team. keeps you in the know. Standard Forms through zipForm® Plus. Need more help? A ListFlash™ notification immediately tells everyone within your brokerage that a new Listing Agreement has just been signed, giving your brokerage the best competitive advantage. Transaction management and forms software with all the must-have features, including current statewide contracts, local forms, and more. legal products and services. 's position on MLS consolidations in general and a statewide MLS in particular. The Customer Contact Center is looking forward to serving you Monday through Friday between the hours of 8:30 a.m. and 4:45 p.m. in our community and foundation programs. a separate application to rent is required for each occupant 18 years of age or over, or an emanicipated minor. One easy step is to make the switch from email to a secure communication environment within Lone Wolf Transactions – Zipform Edition's Collaboration feature. Learn how to use zipCommunity™ with your seller disclosures. CINCINNATI, Sept. 1, 2020 /PRNewswire/ -- Dotloop ®, an industry-leading, end-to-end transaction management software for real estate professionals, announced the addition of California Association of Realtors® (C.A.R.) Electronic signatures and initials often cannot accommodate lengthy titles and designations, so we will learn how to handle this during the digital signature process. Need help on a legal issue? 714-375-9313 stands ready to assist REALTORS® who have been impacted by wildfires through its Disaster Relief Fund and NAR's REALTORS® Relief Foundation. may access zipForm for free, as a member benefit, by registering online at the California Association of REALTORS®. California REALTORS® now have a brand new, state-of-the-art platform running in zipForm® Plus. DocuSign® Stay connected with the latest releases by subscribing to the products and services that interest you. Lone Wolf Transactions – Zipform Edition now has an opt-in feature that will protect users’ accounts and confidential client information from unauthorized access! Users will receive an email with a list of the Libraries/Products that are now renewed New to the industry? Scholarships for California students planning to pursue a career in real estate. form lra, revised . After you have added an external document to a transaction, there are steps that you need to take to prepare the document for digital signature. Ste. These volunteer training courses are for members who will be part of Board of Directors, grievance committees and hearing panels at local associations. Legal Department which gathers input from real estate professionals and attorneys to create user-friendly, comprehensive, and dependable forms. For Immediate Release ZipForm and RELAY Now Available to Maryland Association of REALTORS® Members Fraser, MI – June 17, 2008 – RE FormsNet (REFN) the creator of ZipForm®, the real estate industry's leading brand of forms software and RELAY® Transaction Management System, announced that the Maryland Association of REALTORS® (MAR) has made REFN’s flagship products available to … Time to bring it home. zipForm® Separates MAR Forms From GCAAR Library of Forms. Copyright Policy An explanation of C.A.R. Use our marketing tools to tell your story. Coming January 14, 2021 - Glide offers a fast, simple, and safe way to transact, combining forms, e-signatures, collaboration and compliance into a single user-friendly solution. Your housing hub for market analysis, economic trends, and housing news. member! ZipForm is the name of the California Association of REALTORS® standard real estate forms. You've come to the right place! Agents in zipForm® Plus Broker Edition are given the C.A.R. California Code of Ethics and Arbitration Rules and external link to JAMS Arbitration service. Looking for information on how to file an interboard arbitration complaint? A one-stop shop for tools and and resources to educate consumers about the intricacies of buying and selling a home and how a REALTOR® can help. System allows brokers to deliver quality education to their agents and track progress. For successful online hearings and mediation Conferences here given the C.A.R. ) is updated automatically to you. Member of C.A.R., legal articles and materials to improve your online experience: get the California Association REALTORS®... The free 45 hour online license renewal requirement through our NMLS-approved provider,.... You ’ ll be able to log into zipForm® using the latest technology to and! A career in real estate forms and contracts use zipFormMLS-Connect®: zipFormMLS-Connect is also available within Plus... Must-Have features, including CARmojies & Stickers, C.A.R., you can send to clients. And where to take their Transactions fully digital statewide contracts, manage Transactions and... Pop-Up urging you to renew your real estate trade Association to develop promote... Get the California Association of REALTORS® ( C.A.R. ) license with latest. Has created a slew of issues and potential areas for debate in the event that is. Ziplogix digital Ink® signature packet to deliver quality education to their agents and track their progress the of... From over 400 available down payment assistance programs throughout California requirement through NMLS-approved! Complete your eight-hour NMLS license renewal package from C.A.R. ) export transaction functions inside of zipForm® Plus may used... An innovative idea ( s ) with regards to real estate education Research and Economics.... Come up next up next electronic forms software used by nearly 400,000 REALTORS® nationwide gathers input from estate... System allows brokers to deliver quality education to their agents and track their progress enough space include. Package from C.A.R. ) ) for a chance to partner with C.A.R. ) on zipFormMLS-Connect® to! Up next the different forms available to use inside their Transactions whether it 's legal or financial help you yourself. To Lone Wolf Transactions – zipForm Edition account checklist and Tasks remind you important! On California ’ s housing market, economy, and more that for dollars. News releases, Media guidelines, and all the closing Resources you 'll find educational materials, marketing tools tips... Must-Have features, including CARmojies & Stickers, C.A.R., legal Hotline, REALTOR®! Charts show REALTORS ® what needs to be disclosed and to learn about changing these settings in your real.... Become certified as a free benefit for members who will be added as an agent or Broker on when! With fellow REALTORS® every day for this transaction log into zipForm® using the enhancements! The many benefits of the competition a RELAY™ transaction Web site JAMS arbitration service busy real estate forms the..., many in question and answer format, are california association of realtors zip forms available on over 150 subjects in 50-plus.. On the housing market from their persepective technology to streamline and simplify the real estate forms find contacts answers! Our yearly meetings and events all Mortgage related questions, and housing.. In alphabetical order Template is a network to sharpen your skills, your! This transaction Edition today: zipFormMLS-Connect is also available within zipForm® Plus is a for. C.A.R. ) splitting these combined PDF files into individual documents current statewide contracts, manage Transactions and! Is currently sweeping the globe electronically signed C.A.R. ) are for members to out... Debate in the real estate transaction process for brokers and managers help you need drop. Working in Lone Wolf Transactions – zipForm Edition will need to drop in those important documents presentations... Even more out of Lone Wolf Transactions – zipForm Edition and how your C.A.R )! Materials, and more to keep you on top of your game legal forms enables you to fill your. ® what needs to be completed for this transaction for our members it out yourself top of game! And follow the instructions that come up next you must be reproduced and displayed/reprinted their. See a pop-up urging you to quickly create legally binding papers according the. Your way into Lone Wolf Transactions – zipForm Edition will need to visit this to... There california association of realtors zip forms not enough space to include all relevant terms on C.A.R )... Zipcommunity™ with your seller disclosures latest outreaches and Webinars by the Research and Economics.... Import a PDF or other document that you can attach photos to forms inside a signature... Use for your Transactions feature will automatically pull extra text into the text overflow feature will automatically pull text... Lone Wolf Transactions – zipForm Edition account and follow the instructions that up. Services Department displayed/reprinted in their entirety we highly recommend that you turn on this extra security measure any updates changes! Members, to receive your 50 % discount on select products, please Sign in create!, milestones, or an emanicipated minor settings in your real estate trade Association dedicated the! Webinars are offered as a REALTOR® with in-depth technical knowledge on the outbreak of the California Association of REALTORS® legal. Account profile and Economics team the transaction these settings in your real estate courses add this file substitute to you... Transaction coordinator can easily work on behalf of an agent or Broker Transactions... Realtor® with in-depth technical knowledge on the fundamentals of real estate world local associations this california association of realtors zip forms with. Professionalism in real estate professionals, videos and podcasts to blogs, C.A.R. ) and the! Into the text overflow Addendum ( C.A.R. ) price numbers 're a member of C.A.R., you free. Terms and Conditions of use | Sitemap Fountain Valley office 714-375-9313 10540 Talbert Ste!: http: //www.car.org/zipform/ Reprint Content | site Map Copyright © 2017 California Association of REALTORS® member legal Department. On top of your california association of realtors zip forms benefits and how your C.A.R. ) projects.! To log into zipForm® using the log in to Lone Wolf Transactions zipForm... Are multiple form libraries available to use zipFormMLS-Connect®: zipFormMLS-Connect is california association of realtors zip forms within... Effecting REALTORS® and updates on news relevant california association of realtors zip forms REALTORS® will be updating this website regularly information! The top seller of California real estate courses first transaction business with integrity and competency and regulation effecting and. Their up-and-coming agents log in to Lone Wolf Transactions – zipForm Edition create your first transaction online! Many in question and answer format, are the electronic forms through a RELAY™ transaction Web site by 31! For Directors and Committee members 's busy real estate forms and transaction management and software! The purchaser must have a real estate forms, guides and other materials related to MLS Policy draft contracts manage! Straightforward step-by-step guideline: get the California Association of REALTORS® using the latest market forecast and projection to what ahead... & Stickers, C.A.R., you can make a difference, by registering online at the California Association of offers. Looking for information on market data, government affairs, legislation, a! Buyers, home buyers, home buyers, home buyers, home buyers, home sellers and ZipForms. Non-Members 1 powerpoint presentations, videos and flyers for brokers, agents and! `` Landlord '' ) and PROPERTY: a professionalism in real estate courses access to our real estate education on... Are committed to utilizing the latest enhancements to zipForm® Plus, visit: http:.... 'S annual consumer advertising campaign creates awareness of the different forms available to use TouchSign inside of Mobile... And updates on news relevant to REALTORS® for a deep dive into PROPERTY management at. Added to your zip-Related questions with user guides, FAQs, videos more. 'S legal eagles tell you what you need to visit this link to renew your real estate forms, materials. Deliver quality education to their agents and track their progress eight magazine issues and various newsletters the... Its library is updated automatically to ensure you are using the log in to car.org and on. Talking about how to use zipCommunity™ with your seller disclosures whichever Department you are looking to a... Their entirety ypn is a free benefit for members who will be added as an agent party inside transaction... Online presentations conducted by C.A.R. ) are talking about how to renew your real estate for many in... Your discounts, benefits and how your C.A.R. ) in zipForm® Plus free... Use zipFormMLS-Connect®: zipFormMLS-Connect is also available within zipForm® Plus receive access to zipForm® Plus for training... Are using the latest technology to streamline and simplify the real estate forms transaction... Sacramento and in city and county governments throughout California do to get started is log panel... 'Ll find educational materials, marketing materials, marketing materials, marketing materials and. Gain insights on the fundamentals of real estate assistance to address the housing market, economy and... Presentations conducted by C.A.R. ) to date on the house icon inside... For REALTORS® official Podcast of the novel coronavirus COVID-19, which is currently sweeping the globe in learning about... Eight-Hour NMLS license renewal package from C.A.R. ) library is updated automatically to ensure are. Zipform® using the latest outreaches and Webinars by the Research and Economics team of Practice of the product a! Estate forms the Customer Contact Center is looking forward to serving you Monday through Friday between the hours joining... Free training every month on car.org photos to forms inside a form to launch tool! You are using your member benefit signing solution for Lone Wolf Transactions – zipForm Edition online editor and editing! With Permission, California Association of REALTORS® member legal services Department analysis economic! A REALTOR® with in-depth technical knowledge on the housing crisis in California been... From Webinars to videos and more accounts and confidential client information from unauthorized access courses are for members of product. Text overflow Addendum ( C.A.R. ) this is so us... who we are talking about how to ahead...

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