Sunday, December 17, 2017

Tax Reform Impacts Housing and Consumer Sentiment https://t.co/eshtU26k5c #appraisal


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December 17, 2017 at 01:28PM

Housing Bubble 2.0? https://t.co/WkD1AYqQkr #appraisal


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December 17, 2017 at 07:22AM

Friday, December 15, 2017

MBS RECAP: Bond Traders Have Had Enough https://t.co/pHZr4ioiEi #appraisal


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December 15, 2017 at 03:48PM

MBS RECAP: Bond Traders Have Had Enough https://t.co/hHUOvz9c2a #mortgage https://t.co/eeKuQZIabk


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December 15, 2017 at 03:25PM

FHFA: An Update on Refinance https://t.co/OTljbuqvyL #appraisal


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December 15, 2017 at 12:45PM

The New Year Brings New HOBR Requirements https://t.co/p7J8RqaubC #appraisal


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December 15, 2017 at 09:42AM

Freddie and Fannie May Get Another Jumpstart https://t.co/IE7koW9c8T #mortgage https://t.co/BeQdRtY8fP


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December 15, 2017 at 09:19AM

Using the yield spread to forecast recessions and recoveries https://t.co/HV6JqsLR1m #realestate


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December 15, 2017 at 07:52AM

10 housing markets to keep an eye on in 2018 https://t.co/4RbniXRCaC #realestate https://t.co/RMZWFMyr62


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December 15, 2017 at 07:16AM

MBS Day Ahead: Is There a Common Theme For Bonds at Year-End? https://t.co/pVy1rC2ocE #appraisal


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December 15, 2017 at 06:39AM

THL Invests in G-Rate; Fair Lending and HMDA News https://t.co/Zow1diLt9W #mortgage https://t.co/vpIG64ASfC


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December 15, 2017 at 06:18AM

When sellers ask: ‘Is your commission negotiable?’ https://t.co/hIM1mEWe3w #realestate https://t.co/mL0fyjHGvH


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December 15, 2017 at 12:02AM

Thursday, December 14, 2017

Rebuilding and Rethinking https://t.co/iLbkFLYCzd #appraisal


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December 14, 2017 at 03:23PM

MBS RECAP: Stocks Lose, Rates Recover on Tax Bill Fears https://t.co/qJhBW5wRgU #mortgage https://t.co/0kcmM65Gvm


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December 14, 2017 at 03:04PM

Automated Appraisals Don't Paint the Whole Picture https://t.co/JfxlMnu5Es #mortgage https://t.co/k8jsAohBuT


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December 14, 2017 at 09:00AM

To buy in 2018? Homebuyer sentiment is mixed https://t.co/0cvMRJ4FgC #realestate


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December 14, 2017 at 07:42AM

Stratford Towers: A $4.5M slice of history in Asheville, NC https://t.co/Ji2MA5rl0I #realestate https://t.co/NBw2ARrjJX


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December 14, 2017 at 07:21AM

Downpayments at Record Highs as Home Prices Rise https://t.co/Q06EAVrZpU #mortgage https://t.co/tE3EVOzPVm


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December 14, 2017 at 05:58AM

4 signs that inventory will improve in 2018 https://t.co/mi3lXZZuqn #realestate https://t.co/P3ufdRo518


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December 14, 2017 at 12:03AM

Wednesday, December 13, 2017

MBS RECAP: Bonds Cheer Weak Inflation Data and Fed Forecasts https://t.co/RPXxovma0M #appraisal


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December 13, 2017 at 02:59PM

MBS RECAP: Bonds Cheer Weak Inflation Data and Fed Forecasts https://t.co/hoPbhTZ1li #mortgage https://t.co/Qyp6kjtjl4


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December 13, 2017 at 02:44PM

Fed Raises Key Rate, Balance Sheet Normalization to Accelerate in January https://t.co/J0bCI5ExCy #appraisal


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December 13, 2017 at 11:56AM

Realtors Raise Last-Minute Red Flags Over Tax Bill https://t.co/QkbH52dH83 #appraisal


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December 13, 2017 at 08:53AM

Realtors Raise Last-Minute Red Flags Over Tax Bill https://t.co/s8bZDqadSy #mortgage https://t.co/17jTjLsU5X


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December 13, 2017 at 08:37AM

Connect the Speakers: Andrew Gowasack on establishing customer confidence https://t.co/9XncHnrieR #realestate https://t.co/za4Ne29mt9


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December 13, 2017 at 06:50AM

Part II: Columbia Institute past president reflects on conference, career https://t.co/qI4qxh90Jo #appraisal


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December 13, 2017 at 05:50AM

Fannie and Freddie Will Wait Until Jan 2nd to Evict You https://t.co/ahmpDgrlim #mortgage https://t.co/6Fo6ittjNT


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December 13, 2017 at 05:34AM

It’s your move: 5 tips for placing a counter offer https://t.co/RzSK1w0wmJ #realestate https://t.co/XBUr1NxpRw


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December 13, 2017 at 12:05AM

Tuesday, December 12, 2017

Bitcoin: Homeowners Take Out Mortgages to Buy in https://t.co/HPBl0dkCMQ #appraisal


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December 12, 2017 at 02:34PM

MBS RECAP: Key Technical Ceiling Holds Firm After Auction https://t.co/Us7iDy6Ohn #mortgage https://t.co/DnmlM11L5c


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December 12, 2017 at 02:20PM

DRE Regulation of Discrimination https://t.co/w5VPuWPb8r #realestate


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December 12, 2017 at 01:19PM

Ginnie Mae’s MBS Outstanding Principal Balance Edges Closer to $2 Trillion https://t.co/E0pAaDymlX #appraisal


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December 12, 2017 at 11:31AM

Homeowner Perceptions in Sync with Appraisers https://t.co/IAdPOryqFw #appraisal


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December 12, 2017 at 08:29AM

Connect the Speakers: How a family team works, New York style https://t.co/vcwIsv2Dbs #realestate https://t.co/4iVOUhuWur


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December 12, 2017 at 06:13AM

Increased Delinquency Not a Sign of Distress - Hurricanes to Blame https://t.co/cvtzTAIcc1 #appraisal


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December 12, 2017 at 05:26AM

Increased Delinquency Not a Sign of Distress - Hurricanes to Blame https://t.co/C0aQ1zxDiw #mortgage https://t.co/HJUADCGCqP


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December 12, 2017 at 05:15AM

Rebuild or buy new? 6 factors to consider after a natural disaster https://t.co/lDyb5gz0yY #realestate https://t.co/EoLMIS1Orn


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December 12, 2017 at 12:06AM

Monday, December 11, 2017

MBS RECAP: Maintaining The Trend Meant Modest Weakness Today https://t.co/6BCxIvrVWW #mortgage https://t.co/on1d0Pqqci


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December 11, 2017 at 01:59PM

POLLS: Multiple buyer offers and driverless cars https://t.co/b7IWZawzxp #realestate


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December 11, 2017 at 01:10PM

Looking Back at Loan Mods: What Worked, What Didn't, and What Can We Learn? https://t.co/KcMHIPv1nb #mortgage https://t.co/6HqctEPW9p


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December 11, 2017 at 10:57AM

Is a tenant liable for unpaid rent when the lease requires rent to be paid by mail and the landlord does not receive payment? https://t.co/eRxxb2CAb4 #realestate


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December 11, 2017 at 07:07AM

Connect the Speakers: Rivers Pearce on making sense of the data https://t.co/n2oyQe7QZc #realestate https://t.co/BgHqMhQnJP


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December 11, 2017 at 05:31AM

MBS Week Ahead: Central Bank Meetings and Fiscal Drama Keep Volatility on The Table https://t.co/Xsx5fLly5L #appraisal


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December 11, 2017 at 05:06AM

Construction and Data Validation Products; FHA, VA, HECM Changes https://t.co/ddjEpvrkpr #mortgage https://t.co/2LkskyVf3U


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December 11, 2017 at 04:51AM

How to rope in more seller leads with Mega Agent Pro https://t.co/sSSBuCfdWu #realestate https://t.co/ch30WlNSSA


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December 10, 2017 at 11:07PM

Sunday, December 10, 2017

First American Acquires Bank of America’s Lien Release Business https://t.co/ChFTy90389 #appraisal


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December 10, 2017 at 07:57PM

Redfin Mortgage Expands to Washington, D.C. https://t.co/myfsIr6kKB #appraisal


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December 10, 2017 at 04:54PM

The Week Ahead: Reshaping Consumer Lending in 2018 https://t.co/v4GuqcnX8T #appraisal


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December 10, 2017 at 01:51PM

CoreVest Announces Inaugural Deal with Freddie Mac https://t.co/ftnN3nlOqH #appraisal


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December 10, 2017 at 04:44AM

Friday, December 8, 2017

How Tax Reform Will Help American Companies https://t.co/s65ZDYo48d #appraisal


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December 08, 2017 at 04:08PM

MBS RECAP: Every Bit the NFP Reaction We Expected https://t.co/QvGRzedUKF #mortgage https://t.co/LW0q8yeK0T


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December 08, 2017 at 03:57PM

In Housing, a Good Deal Is Hard to Find https://t.co/WXH4bkrZoi #appraisal


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December 08, 2017 at 01:05PM

Rates Stay Higher After Jobs Report and Shutdown Bill https://t.co/Kl8ArZS0TT #appraisal


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December 08, 2017 at 10:02AM

Rates Stay Higher After Jobs Report and Shutdown Bill https://t.co/RQ2FFMBvld #mortgage https://t.co/fBcJStMaZY


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December 08, 2017 at 09:52AM

Connect the speakers: Leigh Brown on being uncomfortable https://t.co/uV54YEaItO #realestate https://t.co/OxO4dRFfL4


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December 08, 2017 at 07:34AM

U.S. Jobs Are Up, But What About Wages? https://t.co/fGTNdGnZpx #appraisal


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December 08, 2017 at 07:00AM

90% of US Counties Get FHA Loan Limit Increase https://t.co/pAnsPIT121 #mortgage https://t.co/82pGltLXWy


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December 08, 2017 at 06:50AM

Why former athletes make great real estate agents https://t.co/Q5NWYm0qlg #realestate https://t.co/7CHrwG5QVx


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December 08, 2017 at 12:03AM

Thursday, December 7, 2017

Why Rental Investment Markets Spring Forward In Winter https://t.co/OraptoS0zd #appraisal


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December 07, 2017 at 03:44PM

Top 10 Housing Markets Still in Recovery Mode https://t.co/8V9XoLx8rc #appraisal


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December 07, 2017 at 12:42PM

Rising Prices and Rising Expectations https://t.co/0m9sy4UWrc #appraisal


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December 07, 2017 at 09:39AM

Homeowner Equity Gain Averages in Double Digits https://t.co/QJq386Xn7B #mortgage https://t.co/D5yolZZUaj


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December 07, 2017 at 09:34AM

Live at Connect: Continue the conversation https://t.co/1apVgp2o23 #realestate https://t.co/u1Fd7PVvO1


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December 07, 2017 at 07:54AM

ANOW PLATFORM OF CHOICE FOR ACCURITY VALUATION https://t.co/Hczvs16DXV #appraisal https://t.co/f8z6EquyT3


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December 07, 2017 at 06:36AM

MBS Day Ahead: We're Supposed to Have a Tough Time https://t.co/jQDw4H2p1f #mortgage https://t.co/zvuCQc8DFc


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December 07, 2017 at 06:30AM

The no. 1 marketing mistake real estate professionals make https://t.co/IGAn2Ry1Xw #realestate https://t.co/sbq6xKxQGc


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December 07, 2017 at 12:04AM

Wednesday, December 6, 2017

The First-Time Homebuyer Impact https://t.co/Ob5csH28to #appraisal


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December 06, 2017 at 03:20PM

MBS RECAP: Best 2-Day Winning Streak in Quite a While https://t.co/iUcVLbcyJd #mortgage https://t.co/7Kpqln1D3B


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December 06, 2017 at 03:18PM

Breaking Down Non-Performing Loan Sales https://t.co/rNtDijxqVx #appraisal


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December 06, 2017 at 12:17PM

More ARMs suggest a riskier housing market https://t.co/MsQZA1cKUa #realestate


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December 06, 2017 at 12:10PM

Connecting Community and Industry Leaders https://t.co/KUGmk9i80L #appraisal


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December 06, 2017 at 09:15AM

Gig Workers Less Enthusiastic About Homeownership https://t.co/4ookasrHdh #mortgage https://t.co/9FV2qKOU8p


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December 06, 2017 at 09:15AM

More work for appraisers is Fannie's goal https://t.co/KbCR6WkzmI #appraisal


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December 06, 2017 at 06:12AM

MBS Day Ahead: This Week's Rally Further Stretches a Bond Market Slingshot https://t.co/IIO7FNSyer #mortgage https://t.co/AiFiWgxcsr


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December 06, 2017 at 06:11AM

Should you use emojis when communicating with clients? https://t.co/gm6k4tVjIy #realestate https://t.co/XoYT4tDITT


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December 06, 2017 at 12:06AM

Tuesday, December 5, 2017

Dodd-Frank Rollback Bill Heads for Full Senate https://t.co/ON0fhPtH1H #appraisal


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December 05, 2017 at 02:44PM

MBS RECAP: Bonds Rally After Weaker Start https://t.co/Eld98aDyXO #mortgage https://t.co/xePOUCSMw8


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December 05, 2017 at 02:33PM

Gig Economy: The New Homebuyers? https://t.co/yrR3Sz5Dsw #appraisal


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December 05, 2017 at 11:42AM

Discriminatory Practices in the Golden State https://t.co/JqgO7ATZzt #realestate


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December 05, 2017 at 10:29AM

Overvaluation Is Good News? https://t.co/nORd0iVXoI #appraisal


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December 05, 2017 at 08:39AM

Entry-Level Homes Driving Price Appreciation https://t.co/6PsVOrEEuN #mortgage https://t.co/w0g3J53gBr


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December 05, 2017 at 08:30AM

Connect/Reflect: You can’t afford not to go https://t.co/8Sy6W2p7We #realestate https://t.co/aNFZobInZh


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December 05, 2017 at 06:35AM

Senate Banking Committee Approves Jerome Powell as Fed Chair https://t.co/xwP2LgDOL1 #appraisal


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December 05, 2017 at 05:36AM

MBS Day Ahead: For Bonds, Year-End is Looking Like One Big November https://t.co/plJHormqo8 #mortgage https://t.co/JTMO28bQKD


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December 05, 2017 at 05:27AM

How to market real estate like a Kardashian https://t.co/mCuuRHZV22 #realestate https://t.co/SgJVG3ekgx


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December 05, 2017 at 12:03AM

Monday, December 4, 2017

MBS RECAP: Bonds Push Back After Weaker Start on Tax Bill Passage https://t.co/abhMpmxU8O #appraisal


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December 04, 2017 at 02:23PM

MBS RECAP: Bonds Push Back After Weaker Start on Tax Bill Passage https://t.co/63x7xgrG9W #mortgage https://t.co/mPA7gEOdcY


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December 04, 2017 at 02:16PM

The Power of Writing Down Your Goals -The Secret to Your Success in 2018 https://t.co/L6NlNvpWUr #realestate https://t.co/gRhLTqJ7nY


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December 04, 2017 at 10:59AM

POLL: Is the name recognition of a franchise important when choosing a brokerage? https://t.co/uV3Neor958 #realestate


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December 04, 2017 at 10:17AM

Connect/Reflect: Enjoy the magic, maximize the experience https://t.co/uuIzBb12IO #realestate https://t.co/U1YgpccDh9


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December 04, 2017 at 06:14AM

Tax Bill Housing Impact Worse than You Thought (Maybe) https://t.co/hkAQenwQ1b #mortgage https://t.co/orQ5ByRbP1


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December 04, 2017 at 05:09AM

https://t.co/9Qs9zNL7ku #appraisal


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December 04, 2017 at 02:13AM

IndiSoft Appoints Board Members https://t.co/mpMGnmSoxj #appraisal


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December 03, 2017 at 11:08PM

Smart home tech your clients need right now https://t.co/EvAneGewde #realestate https://t.co/rRTIZFxTZK


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December 03, 2017 at 11:04PM

Sunday, December 3, 2017

DocMagic’s Jonathan Kearns Appointed to MISMO Residential Standards Governance Committee https://t.co/e8ELbMUR0X #appraisal


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December 03, 2017 at 05:02PM

Black Knight Launches Robotics Capabilities in the LoanSphere Empower LOS https://t.co/RQaxAUrnpr #appraisal


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December 03, 2017 at 01:58PM

Saturday, December 2, 2017

Senate passes tax reform bill following flurry of last-minute amendments https://t.co/nKcpUSNeC7 #realestate https://t.co/zOrfssXzIN


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December 02, 2017 at 05:40AM

Friday, December 1, 2017

MBS RECAP: Tax Bill Overshadowed by Flynn Headlines https://t.co/9YZaYOxd6d #appraisal


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December 01, 2017 at 04:17PM

MBS RECAP: Tax Bill Overshadowed by Flynn Headlines https://t.co/dIyg60a18B #mortgage https://t.co/xrZEeY2rrC


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December 01, 2017 at 03:52PM

Risky Business https://t.co/xXeEWDL2bQ #appraisal


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December 01, 2017 at 01:14PM

Mortgage Rates Recover After Flynn Headlines https://t.co/ZhAB8cB0Ti #mortgage https://t.co/TpFaSCNyNV


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December 01, 2017 at 12:48PM

Buyers are out There . . . https://t.co/WG6zLU8PYq #appraisal


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December 01, 2017 at 10:11AM

What to expect when you’re Connecting: Lunch https://t.co/Z1bigMuBr0 #realestate https://t.co/lh5hOaHlGv


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December 01, 2017 at 08:44AM

Residential Dollars Behind Much of Construction Spending Gains https://t.co/ZrmrkyKDcl #appraisal


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December 01, 2017 at 07:08AM

Residential Dollars Behind Much of Construction Spending Gains https://t.co/XXiifMI3UE #mortgage https://t.co/QOILswbroI


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December 01, 2017 at 06:45AM

6 tips for acing your listing presentation start to finish https://t.co/tXuyZUbR8L #realestate https://t.co/lGDm1zLi20


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December 01, 2017 at 12:04AM

Thursday, November 30, 2017

RMBS Issuance Dips, But Still Outpaces 2016 https://t.co/kKU52S855o #appraisal


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November 30, 2017 at 03:53PM

Title Insurers Look Forward to Strong 2018 https://t.co/AjHMxJCgJj #appraisal


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November 30, 2017 at 12:51PM

MBS RECAP: Bonds Dragged Into Danger Zone Ahead of Tax Vote https://t.co/xX4hEUdJqG #mortgage https://t.co/mQnh0UMGCp


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November 30, 2017 at 12:35PM

Mortgage Lenders Experience a Drop in Profits https://t.co/lFUXBYJw1L #appraisal


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November 30, 2017 at 09:47AM

Home values nationwide to see sharp declines from GOP tax plan https://t.co/wuauqEmT45 #realestate https://t.co/qnAyGgTdpS


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November 30, 2017 at 08:03AM

MBS Day Ahead: Bonds on Edge as Tax Vote Could Come At Any time https://t.co/CrkeBh6q2U #appraisal


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November 30, 2017 at 06:44AM

Are New Loan Limits Already At Risk? https://t.co/1kzt9b11lb #mortgage https://t.co/F8KreAvXBt


from Twitter https://twitter.com/SammcoAppraisal

November 30, 2017 at 06:31AM

Wednesday, November 29, 2017

MBS RECAP: First Big Move For Bonds Following Weeks of Consolidation https://t.co/zU8Ht9YcLA #appraisal


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November 29, 2017 at 03:30PM

MBS RECAP: First Big Move For Bonds Following Weeks of Consolidation https://t.co/hCeV41d8zD #mortgage https://t.co/ek0XvFaU4R


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November 29, 2017 at 03:20PM

Products https://t.co/eh7lnQ9qtM #appraisal


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November 29, 2017 at 12:28PM

Mortgage Rates Bounce to 2-Week Highs https://t.co/LSC1wSpjOv #mortgage https://t.co/GqIYOKL0ew


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November 29, 2017 at 12:17PM

Pending Home Sales Rebound, or Not . . . https://t.co/k7YawlNa5t #appraisal


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November 29, 2017 at 09:25AM

Parking and conveyance rules for accessory dwelling units https://t.co/EnmlwB5FOQ #realestate


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November 29, 2017 at 09:05AM

Compass expands to Chicago with 20-agent-strong Lincoln Park office https://t.co/pmbEQQC4kk #realestate https://t.co/E62yrS87lC


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November 29, 2017 at 07:55AM

Industry experts: Going Concern valuation for real estate centered entities https://t.co/txK5eXdgpj #appraisal


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November 29, 2017 at 06:23AM

Pending Home Sales Rebound, Beating Expectations https://t.co/hB9Ue7SzH8 #mortgage https://t.co/SqZ1sfvmSL


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November 29, 2017 at 06:12AM

7 strategies to grow your real estate business https://t.co/ds4P4RT3gL #realestate https://t.co/6RBke2EBNr


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November 29, 2017 at 12:03AM

Tuesday, November 28, 2017

MBS RECAP: Bonds Hold Steady as Stocks Soar https://t.co/7eBQT5rRiU #mortgage https://t.co/iHjHLV5pII


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November 28, 2017 at 03:04PM

Mortgage rates drive buyer purchasing power https://t.co/hmD2TnfCkI #realestate


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November 28, 2017 at 02:56PM

Home Prices Experience Nationwide Increases https://t.co/PXkfivrMEV #appraisal


from Twitter https://twitter.com/SammcoAppraisal

November 28, 2017 at 12:05PM

Mortgage Rates Improve Slightly Despite Market Volatility https://t.co/GuZ18kjpkz #mortgage https://t.co/w3X2C90219


from Twitter https://twitter.com/SammcoAppraisal

November 28, 2017 at 12:03PM

Senate Banking Committee Grills Jerome Powell https://t.co/GDA3gOQgfh #appraisal


from Twitter https://twitter.com/SammcoAppraisal

November 28, 2017 at 09:00AM

Streamlined approval for infill multifamily developments https://t.co/wu304iMs2n #realestate


from Twitter https://twitter.com/SammcoAppraisal

November 28, 2017 at 08:54AM

Inman Announces the First Round of Sponsors for ICNY18 https://t.co/ATcgKTlrRy #realestate https://t.co/r8IrgO2G2X


from Twitter https://twitter.com/SammcoAppraisal

November 28, 2017 at 07:08AM

Home Price Gains "Appear Unstoppable" https://t.co/aptD7v8xsz #appraisal


from Twitter https://twitter.com/SammcoAppraisal

November 28, 2017 at 05:56AM

Home Price Gains "Appear Unstoppable" https://t.co/NFFe5OaX5f #mortgage https://t.co/yFu963rzJi


from Twitter https://twitter.com/SammcoAppraisal

November 28, 2017 at 05:56AM

Monday, November 27, 2017

Barney Frank Torn on Senate Bill https://t.co/FGOIyGbHad #appraisal


from Twitter https://twitter.com/SammcoAppraisal

November 27, 2017 at 08:48PM

Goals are Great, but How Do You Avoid Burnout? https://t.co/rag74yj3UP #realestate https://t.co/mttiaQ4d9O


from Twitter https://twitter.com/SammcoAppraisal

November 27, 2017 at 02:14PM

Blockbusting for Exploitation https://t.co/EZKg4H6d9U #realestate


from Twitter https://twitter.com/SammcoAppraisal

November 27, 2017 at 01:46PM

Home Values Heat Up to Record Highs https://t.co/1HQkrZ0h6P #appraisal


from Twitter https://twitter.com/SammcoAppraisal

November 27, 2017 at 12:03PM

Will the Real CFPB Acting Director Please Stand Up? https://t.co/nio93KLQbp #appraisal


from Twitter https://twitter.com/SammcoAppraisal

November 27, 2017 at 08:59AM

New Home Sales Steamroll Over Expectations https://t.co/qgftCD6Y89 #mortgage https://t.co/lol6oFOtP1


from Twitter https://twitter.com/SammcoAppraisal

November 27, 2017 at 08:30AM

Average new home price tops $400k for first time ever https://t.co/eDfzPEIfbf #realestate https://t.co/EQ1CPrT2aP


from Twitter https://twitter.com/SammcoAppraisal

November 27, 2017 at 06:08AM

Black hole at top of CFPB on Black Friday https://t.co/gXD3oZYJdc #appraisal


from Twitter https://twitter.com/SammcoAppraisal

November 27, 2017 at 05:57AM

MBS Week Ahead: Countdown to Bond Breakout Begins https://t.co/ibBvzAAKih #mortgage https://t.co/RZWMWDHylg


from Twitter https://twitter.com/SammcoAppraisal

November 27, 2017 at 05:27AM

How to reduce your internet clutter problems https://t.co/qVXEsFiFOx #realestate https://t.co/DCT5GQamV6


from Twitter https://twitter.com/SammcoAppraisal

November 27, 2017 at 12:06AM

Sunday, November 26, 2017

Home Price Appreciation Continues to Rise Across U.S. https://t.co/EJpchr4KK2 #appraisal


from Twitter https://twitter.com/SammcoAppraisal

November 26, 2017 at 08:47PM