A-Ha! Real Estate Exam Prep Podcast

Episode 111 – Next Steps for A-Ha Going through state exam questions to help real estate students pass their state exam. What I've been up to. Private messages about questions. Memorizing test questions. DO NOT CHEAT!! List of recent grads: Lydia, Ellena, Debra, Sahzad, Vince, Dana, Donna, Jerry, Danielle, Nautie, Dawn, Kim, BJ, Sasha, Darlene, Alex, Charlie, Rachel, Derrell, Maddox, Charles, Jeff, Gabe, Chanita, Carline, Junalee, Ashely, Briana, Zack, Melanie, Tara, Caitlin, Naomi, Elena, Darren, Emalee, Joshua, Tiffany, Blaire, William, Jodi, Melody, Melissa, Andjie, Andrew, Amanda, Jack, Eileen, Samantha, Brannon, Emily, Elyssa, Ricky, Jennifer, Maurice, Mackenzie, Renee, Bryce, Kelsey, Ahmad, Kari, Shannon, Daniel, Jennifer, Jessica, Mike, Vickie, Chelsea, Kae, Regina, Elisabeth, Her Pao, Carrie Ann, Nicole, Angie, Ellena, LaTrice, Tricia, Channpreet, Benjamin, Kaizer, Mickie, Vince, Jamie, Bryan, Katie, and Taryn.. Listener messages: Lydian (Arizona), Rachel (Indiana), Maddox (Pennsylvania, and Taryn (North Carolina) Going on hiatus; nothing new to record Keep sending me your messages Working on "Part B" of this show; teaching you beyond the exam. Farewell…for now! Go to www.ahareep.com and sign up for the program for only $35, use discount code: legend15 to save 15% off. Go to www.indianarealestateinstitute.com for Indiana real estate classes. A-Ha LINKS Email [email protected] Web www.ahareep.com Facebook https://www.facebook.com/AHA.REEP YouTube https://www.youtube.com/channel/UCrxAjI5Li4Ll3Epwcyc0i6A

Episode 109 - Real Estate Exam Questions: Closing the Transaction Going through state exam questions to help real estate students pass their state exam. Happy New Year! 3 Year Anniversary of A-Ha! REEP. YAY!!! Don't be entitled in life, in real estate, or with me. Ha ha!! List of recent grads: Joseph, Alejandro, Madiera, Tylar, Travis, Douglas, Zack, Christi, Alan, Patricia, Devon, Trudy, Rhonda, Wanda, Daniella, Cecilia, Maisy, Lena, Ruth, Melody, Sadie, Ryan, Tomeka, Scott, Christina, Chris, Jessica, Jeffery, and Hayley. Listener messages: Jeffrey from Indiana and Hayley from Upstate New York Closing events and types Conducting the closing RESPA – Real Estate Settlement and Procedures Act ABA – Affiliated Business Arrangement TRID – TILA RESPA Integrated Disclosure rule; Truth in Lending Loan Estimate and Closing Disclosure forms Kickbacks, referral fees, and rebates Debit and Credit Prepaid and Accrued expense prorations Banker's Year vs. Actual calendar days Math Transfer stamps, excise tax, revenue stamps, deed tax, etc. Exam Questions Go to www.ahareep.com and sign up for the program for only $35, use discount code: legend15 to save 15% off. Go to www.indianarealestateinstitute.com for Indiana real estate classes. A-Ha LINKS Email [email protected] Web www.ahareep.com Facebook https://www.facebook.com/AHA.REEP YouTube https://www.youtube.com/channel/UCrxAjI5Li4Ll3Epwcyc0i6A

Episode 107 - Real Estate Exam Questions: Public and Private Land Use Controls Going through state exam questions to help real estate students pass their state exam. Happy Thanksgiving! Send me your favorite recipes. State exam vs. State portion of the State Exam List of recent grads: Lynn, Ryan, Brittany, Gilbert, Daniel, Christelle, Ralitsa, Mara, Kayla, Martin, Kim, Sally, Paulina, Rachel, Tyler, Johnnie, Julie, Jennifer, Max, Sophia, Crystal, Alexis, Tony, Baylee, Jordan, Jose, Camila, Edna, Hannah, Kim, Monica, Brandon, Alexander, Chelsie, Madeline, Michael, Alvin, Carl, Kari, Jean, Stacy, Diana, Karen, Robert, Sarah, Justin, Julie, Dipali, Katie, Garret, and Tayler. Listener message from Christie in California Public vs. Private P.E.T.E. – Police Power, Eminent Domain, Taxation, and Escheat Condemnation; Taking; Regulatory taking; Inverse Condemnation Zoning classifications; density zoning; setbacks; non-conforming use; grandfathered use Variance vs. Conditional Use Permit Building Code: permit and certificate of occupancy Private land use controls: HOA and Covenants, Conditions, and Restrictions (CCRs) Deed restrictions; contractual agreement Enforcement through court system. Zoning vs. Building Code vs. Private Restrictions Exam Questions Go to www.ahareep.com and sign up for the program for only $35, use discount code: legend15 to save 15% off. Go to www.indianarealestateinstitute.com for Indiana real estate classes. A-Ha LINKS Email [email protected] Web www.ahareep.com Facebook https://www.facebook.com/AHA.REEP YouTube https://www.youtube.com/channel/UCrxAjI5Li4Ll3Epwcyc0i6A

Episode 105 - Real Estate Exam Questions: Appraisal/Valuation Principles and Math Going through state exam questions to help real estate students pass their state exam. We are not ONLY in Indiana. We are a nationwide service. List of recent grads: Carmen, Mosi, Eliana, Addyson, Grace, Haven, Martha, Theresa, Brianna, Jessie, Aubrey, Katelyn, April, Shelby, Joe, Brandon, Aramis, Jada, Jose, Mason, Kylei, Phoebe, Jackie, Amelia, Maite, Selena, Janessa, Sh'Nyah, Mariana, Esmeralda, Lesley, Sav, Tommy, Rebecca, Ihsan, Maddy, John, Ylanerie, Madison, Gretchen, Tiffany, Nicole, Honour, Randi, Kimberly, Amy, Santiago, Dawn, Jessica, Shannon, Rina, Katherine, Amber, Kayleigh, Gabriel, Brian, Ian, Wendy, Lisette, Lisa, Brooke, Jean, Starlynn, Simone, Andrew, Lori, Samantha, and Emma. Listener messages from Samantha and Emma. Go to www.brianclee.com for Real Estate Between the Lines podcast Value – DUST or STUD Anticipation Highest and Best Use Increasing and Diminishing Returns Regression vs. Progression Substitution Sales comparison approach Cost approach Income approach Exam Questions Go to www.ahareep.com and sign up for the program for only $35, use discount code: legend15 to save 15% off. Go to www.indianarealestateinstitute.com for Indiana real estate classes. A-Ha LINKS Email [email protected] Web www.ahareep.com Facebook https://www.facebook.com/AHA.REEP YouTube https://www.youtube.com/channel/UCrxAjI5Li4Ll3Epwcyc0i6A

Episode 103 - Real Estate Exam Questions: Real Estate Finance, Lending & Math, Part 2 Going through state exam questions to help real estate students pass their state exam. 01:35 – Thank you for helping me reach 500,000 downloads!! 02:40 – Find you support system to get you through the class, the exam, and your career. 05:55 – List of recent grads: Andrea, Dylan, Matt, Karina, Iris, Ricardo, Yadira, Miracle, Jennifer, Brittany, Antonio, Dominic, Ashley, Kristian, Halie, Rikkel, May, Blanca, Mayra, Chellsea, Marilyn, Leslie, Talia, Max, Danielle, Madelene, Sherry, Brooklyn, Gracelyn, Dar, Lillian, Alexander, Carmen, Tosin, Davonnia, Micah, Maria, Marcus, Lawrence, Bernadine, Fabiola, Ana, Jose, Natasha, Rachel, Alicia, Abby, John, Jason, Brandon, Oliver, Karla, Erin, Ameca, and Scott. 07:40 – Listener Messages from Matt and Karina. 12:05 – Episode Focus: Finance and lending in real estate, part two. 12:45 – Primary versus Secondary mortgage market. 15:40 – Loan to Value; LTV; loan and downpayment. 23:40 – Private Mortgage Insurance (PMI) and Mortgage Insurance Premium (MIP); Homeowner's Protection Act of 1998; Conventional loan; loan amount higher than 80% or downpayment lower than 20%. 27:25 – FHA and VA loans; insured versus guaranteed loans. 30:10 – Loan types: straight loan, adjustable-rate mortgage (ARM; index, margin, and rate caps), balloon loan, reverse mortgage, package loan, blanket loan, wraparound loan, home equity loan (HELOC), bridge loan, and buydown mortgage. 53:20 – Truth In Lending Act (TILA) and Regulation Z; applies only to residential loans; annual percentage rate (APR), three day right of recission; advertising; trigger terms. 1:04:10 – Reach out to me if you are seeing questions about credit scoring and/or loan underwriting. 1:05:15 - Exam questions 1:26:45 – July's episode is all about appraisal and valuation; income approach, and other appraisal terms you will need to know to pass the real estate exam. Go to www.ahareep.com and sign up for the program for only $35, use discount code: legendary15 to save 15% off. Go to www.indianarealestateinstitute.com for Indiana real estate classes. A-Ha LINKS Email [email protected] Web www.ahareep.com Facebook https://www.facebook.com/AHA.REEP YouTube https://www.youtube.com/channel/UCrxAjI5Li4Ll3Epwcyc0i6A

Episode 101 - Real Estate Exam Questions: Fair Housing Going through state exam questions to help real estate students pass their state exam. 03:00 – Message of kindness and respect. Open your mind! 09:50 – List of recent grads: Brandon, Elmer, Bronda, Cindy, Layton, Maxwell, Dillon, Philip, Alayna, Michael, Angela, Cullen, Avery, Barrett, Nanticia, Kyle, Raven, Whitney, Milan, Mandy, Albert, Halim, Janice, Alisia, Claudia, April, Janeva, Martina, Abbey, Ella, Isaiah, Betty, Dana, Juston, Darian, Jennifer, Conner, Richard, Zaria, Ruth, Dajon, Rhonda, Michelle, Morgan, and Kasandra. 11:05 – Message from Brandon. 12:50 – Episode Focus: Fair housing 13:30 – Know the years; Civil Rights Act of 1866; only race was the protected class. 14:35 – Fair Housing Act; Title 8 (VIII) of 1968; race, color, national origin, and religion. 16:10 – Sex/Gender added in 1974; Familial status and disability were added in 1988. Sexual orientation is not a federal protected class. 17:30 – Familial status defined. 19:35 – Disability: physical and mental 21:30 - Reasonable accommodations 23:50 – Security deposit issues. 27:10 – Service animals and how tenant selection and security deposits work. 30:20 – Exceptions to fair housing laws. Discriminatory advertising. Race is NEVER an exception to the fair housing laws. 35:40 – ADA; American with Disabilities Act; workplace, commercial, industrial, retail, and office spaces. 15 or more employees. 37:05 – Fair housing practices: Blockbusting, Steering, and Advertising. 41:35 – Lender issues and fair housing; ECOA (Equal Credit Opportunity Act); added marital status, age, and reliance upon public assistance as protected classes. 44:25 – Redlining. 45:20 – Enforcement is through the Department of Housing and Urban Development (HUD); unless complaint is based upon race, then the complaint goes directly to federal courts. 46:50 – These are the general, federal rules on fair housing. There is more to the federal, state, and local laws. Watch for the distinctions on your questions. 48:40 – Exam questions 1:12:35 – May and June episodes will be a two-part series on lending principles, practices, and math. So much content to cover, I had to split it into two shows. Come back for more to help you pass the real estate exam. Go to www.ahareep.com and sign up for the program for only $35, use discount code: legendary15 to save 15% off. Go to www.indianarealestateinstitute.com for Indiana real estate classes. A-Ha LINKS Email [email protected] Web www.ahareep.com Facebook https://www.facebook.com/AHA.REEP YouTube https://www.youtube.com/channel/UCrxAjI5Li4Ll3Epwcyc0i6A

Episode 100 - Real Estate Exam Questions: Fee Simple and Life Estates Going through state exam questions to help real estate students pass their state exam. 01:20 – We hit episode number 100!!! 02:35 – Be careful where you get your information for your exam questions. Not all are the same. Watch for state specific topics versus the general/national portion of the exam. 06:20 – Example: the value of a point in relation to the interest rate reduction. 08:10 – List of recent grads: Sara, Jamila, Sharon, Breanna, Tim, Kap, Jaquie, Natalie, Shana, Austin, Sheila, Simon, Grant, Marlainna, Maya, Kennedy, Deborah, Sydney, Bridgette, Michael, John, April, Janeva, Martina, Elishia, Jessica, Naomi, Christina, Matthew, Maria, Sophia, Loren, Brandi, Eric, Dominique, Odonel, Jordan, Mark, Dana, Andres, James, Kiana, Anitra, Dayanna, Nathanial, Tatiyon, and David. 09:15 – Messages from Sara and Tatiyon. Common theme: breathe and listen to all the A-Ha episodes. 14:30 – Episode Focus: fee simple, fee simple absolute, fee simple defeasible, and life estates. 16:10 – Freehold and Non-Freehold estates. 19:00 – Fee simple and fee simple absolute. 21:40 – Fee simple defeasible: a qualified fee estate that is subject to the occurrence or nonoccurrence of some specified event. 23:30 – Three forms of fee simple defeasible: determinable, subject to condition subsequent, and subject to executory limitation. One main difference: if the condition is not met, who gets the property? 27:30 – Determinable versus subject to condition subsequent; words and phrases distinguish them; how does the property go back to the original grantor; lawsuit required? Possibility of reverter or right of reentry (power of termination.) 30:45 – Fee simple subject to condition subsequent: right of reentry/power of termination; the original grantor must bring a court action to exercise their right to reenter the property. 36:35 – Watch who has the future interest. Is it the original grantor or some third party? 38:10 – Life estate; life tenant; pur autre vie; remainder and reversion/reversionary interest; when is a life estate inheritable or transferable? 40:45 – Pur autre vie examples. What can a life estate holder do? Inheritable. 44:55 – What happens when the defined life is extinguished, who gets the property interest? Reversion/reversionary interest or remainder interest (remainderman). 49:45 – Legal life estate – state law that recognizes dower and curtsey rights, or homestead right. 51:10 – Exam questions 1:06:15 – April's episode will be about fair housing. Come back for more to help you pass the real estate exam. Go to www.ahareep.com and sign up for the program for only $35, use discount code: legendary15 to save 15% off. Go to www.indianarealestateinstitute.com for Indiana real estate classes. A-Ha LINKS Email [email protected] Web www.ahareep.com Facebook https://www.facebook.com/AHA.REEP YouTube https://www.youtube.com/channel/UCrxAjI5Li4Ll3Epwcyc0i6A

Episode 098 - Real Estate Exam Questions: Agency Going through state exam questions to help real estate students pass their state exam. 01:00 – January: Happy New Year! Think outside the box and try to understand other perspectives. 03:55 – List of recent grads: Jessica, April, Janeva, Martina, Elishia, Naomi, Christina, Mathew, Marie, Sophia, Loren, Brandi, Eric, Dominique, Jordan, Mark, David, Isamar, Kyle, Raven, Whitney, Mandy, Albert, Maggie, Janice, Alisia, Anissa, Claudia, Phillip, Elmer, Layton, Maxwell, Dillon, Alayna, Angela, Prabjeet, and Cullen. 05:20 – Message from Jessica. 07:15 – Episode Focus: agency 08:00 – The parties involved in agency: agent, principal (client), and customer. 13:00 – Creating agency: express agency and implied agency; compensation does not affect agency. 19:05 – Fiduciary responsibilities: COLD AC or OLD CAR; care (reasonable care), obedience, loyalty, disclosure, accounting, and confidentiality. 31:10 – Single agency versus dual agency (limited agency); requires informed consent. 35:10 – Designated agency, in house transaction. 37:40 – Customer – don't help but don't hurt. Do not provide service or assist them. Be cautious with unintended actions or words. 39:10 – Puffing, fraud, and negligent representation. 44:25 – Contract law exam questions. 1:09:30 – February's episode will be about leasing of real estate: types of leases, rights of landlord and tenant, eviction, and more. Go to www.ahareep.com and sign up for the program for only $35, use discount code: legend15 to save 15% off. Go to www.indianarealestateinstitute.com for Indiana real estate classes. A-Ha LINKS Email [email protected] Web www.ahareep.com Facebook https://www.facebook.com/AHA.REEP YouTube https://www.youtube.com/channel/UCrxAjI5Li4Ll3Epwcyc0i6A

Episode 097 - Real Estate Exam Questions: Contract Law Going through state exam questions to help real estate students pass their state exam. 01:10 – December: Happy Holidays! 03:00 – List of recent grads: Christina, Lori, Delphine, Alisha, Patrick, Adelaide, Chefor, Grant, Heather, Anne, Carl, Arianna, Jessica, Shukeh, Amber, Autrey, Joana, Kongyu, Miles, Leticia, Larry, Maddy, Kim, Tony, Dawn, Mason, Miranda, Eleyna, Bill, Rose, Renee, Carol, Johnathon, Nathalie, Morgan, Alylynn, and Katrina. 04:10 – Message from Christina. 07:05 – Episode Focus: contract law 08:15 – Elements of a valid contract: Voluntary, Promise/s, Legal, Competency (Capacity), and Consideration. 14:00 – Express versus Implied contracts; statute of frauds. 20:00 – Bilateral and unilateral contracts. 23:35 – Creation of a contract; mutual assent (meeting of the minds); offer and acceptance; offeror and offeree; accept, reject, and counter; counteroffer is a rejection of prior offer terms; offeror can rescind (rescission) before their offer is accepted. 33:40 – Valid, void, and voidable contract; enforceable and unenforceable. 40:45 – Breach of contract; suit for specific performance. 42:30 – Termination of a contract – Performance and mutual release 45:50 – Contingencies: mortgage, inspection, title, sale of home, find another home, and more. 46:45 – No earnest money is required for a valid contract; equitable title; amendment and addendum. 53:10 – Contract law exam questions. 1:15:00 – January's episode will be about agency: creating agency, fiduciary responsibilities, dual agency, and other obligations agents have with their clients. Go to www.ahareep.com and sign up for the program for only $35, use discount code: legend15 to save 15% off. Go to www.indianarealestateinstitute.com for Indiana real estate classes. A-Ha LINKS Email [email protected] Web www.ahareep.com Facebook https://www.facebook.com/AHA.REEP YouTube https://www.youtube.com/channel/UCrxAjI5Li4Ll3Epwcyc0i6A

Episode 095.5 – Real Estate Exam Cram Going through state exam questions to help real estate students pass their state exam. 01:00 – Another surprise episode!! Exam cram. 01:30 – More than 250,000 downloads overall, 27,000 downloads per month. Top 5% of all podcasts. 02:40 – Update on my law school mid-terms. Walking the walk 05:20 – List of recent grads: John, Taylor, Sherry, Trudy, Jennifer, Bai, Khan, Madi, Jenn, Megan, Mags, Michelle, Steven, Chris, John, Shauna, Cindy, Dena, Deb, Baxter, Frank, Kim, John, Katlynn, Leo, Eleyna, Melissa, Kevin, John, Felicia, Stephanie, Gerald, Sarah, Linden, Angela, Kendall, Kayla, Maggie, Christina, and Maverick. 07:50 – Messages from Sherry (Mississippi), Jennifer (Alabama), and Taylor. 11:25 – Feedback response: make an episode about cramming for the exam. Look for our videos about topics at www.ahareep.com. 14:45 – Real estate exam topics: Property rights, DEEP C, fee simple absolute and defeasible, life estate, real property and personal property, legal tests of a fixture, encumbrance, lien, special assessment, easements, public and private land use control, ownership types (severalty, tenant in common, joint tenancy with right of survivorship, and tenancy by the entirety), transfers of title, deed types (general warranty, special warranty, and quit claim), actual and constructive notice, relationship of broker and agent, calculate real estate commissions, anti-trust (price fixing, group boycott, and allocation of customers or markets), listing agreement types (exclusive right to sell, exclusive agency, and open listing), net to seller, express and implied contracts, bilateral and unilateral contracts, valid, void, and voidable, statute of limitations, enforceable, agency, client and customer, fiduciary responsibilities, compensation, legal descriptions, lease types (estate for years, periodic tenancy, estate at will, and holdover tenancy (estate at sufferance)), gross, net, percentage and variable leases, proration, RESPA, kickbacks and referrals, Fair Housing, protected classes, ECOA, blockbusting, steering, advertising and redlining, mortgage types (conventional, FHA, VA, blanket, package and wraparound loans, balloon, and reverse), mortgage factor chart, Truth in Lending, 3 day right of recission, value (DUST and STUD), sales comparison, cost approach and income approach appraisal, environmental (brownfields, CERCLA and SARA, and environmental inspections.) 1:13:15 – Look for videos and past episodes for more information. Make an outline and create a study guide. 1:14:45 – November's episode will be about listings and listing contracts. Go to www.indianarealestateinstitute.com for real estate classes. Go to www.ahareep.com and sign up for the program for only $35, use discount code: legend15 or legendary15 to save 15% off. A-Ha LINKS Email [email protected] Web www.ahareep.com Facebook https://www.facebook.com/AHA.REEP YouTube https://www.youtube.com/channel/UCrxAjI5Li4Ll3Epwcyc0i6A

Episode 094.5 – September 2023 Bonus Episode Going through state exam questions to help real estate students pass their state exam. 01:00 – Surprise episode!! 02:36 – Thank you for all love!! Even though I may blather on! 05:15 – Problem with the discount code: legend15 or legendary15 06:45 – List of recent grads: Chance, Krystal, Grace, Sandra, Ray, Amanda, Kevin, Jessica, Eleina, Lindsey, Jeff, Jonathan, Kyndrah, Savanna, Cammie, Jewell, Deb, Michelle, Jenna, Alex, Paulina, Kendell, Wilson, William, Jay, Jennifer, Jessica, Evan, Jenny, Cody, Baxter, Taylor, Makayla, Shellie, Gerald, Stephanie, Diane, Andrew, and Sam. 07:50 – Messages from Ray (Utah), Amanda (Nebraska), and Elaina. 13:30 – Law school musings about contracts (offer, acceptance, and consideration); property (life estates); torts (negligence); and civil procedure. 28:30 – How I am studying for law school, and how it might help you to prepare for your state exam and real estate classes. Read before class, handwrite class notes, create a study outline, study groups, stick with a schedule, and make changes. 44:45 – Happy birthday, Lexi! Becoming a teenager! 45:10 – Taking a mid-term exam and will release a new episode to walk through how I did. 46:45 – October's episode will be about brokerage and commissions. Go to www.indianarealestateinstitute.com for real estate classes. Go to www.ahareep.com and sign up for the program for only $35, use discount code: legend15 or legendary15 to save 15% off. A-Ha LINKS Email [email protected] Web www.ahareep.com Facebook https://www.facebook.com/AHA.REEP YouTube https://www.youtube.com/channel/UCrxAjI5Li4Ll3Epwcyc0i6A

Episode 093 - Real Estate Exam Questions: Deeds & Transfer of Title Going through state exam questions to help real estate students pass their state exam. 01:50 – Acronym study guide to help memorize terms needed to pass the exam. 03:40 – Be careful of Quizlet and the questions that are on the site. 06:20 – "Free" stuff to help you pass the exam. 10:00 – List of recent grads: Samual, Laurie, Kelly, Whitney, Evan, Cole, Dhawan, Kathy, Kaylee, Anji, Bik, Heidi, Lori, Christina, Julia, Julie, Autumn, Watson, Shakur, Jacy, Miranda, Jannette, Irene, Amanda, Belinda, Brooke, Stephen, Destiny, Stacey, Ali, Lauren, Luna, Amber, KC, and Charles. 11:10 – Message from Samual: Keep your confidence. 12:55 – Episode Focus: Deeds and transfer of title 14:15 – Deed, grantor, and grantee 16:30 – Grantor must sign the deed; grantee does not sign the deed; acknowledgement of the deed by a notary public. 18:30 – Title transfers when the deed is delivered and accepted, not when it is recorded. 21:20 – Deed types: general warranty deed (includes the covenants of seisin, against encumbrances, further assurance, quite enjoyment, and warranty forever); special warranty deed (two covenants: seisin and encumbrances with a limitation); quit claim deed (no warranties); cloud on title. 32:00 – Involuntary alienation: operation of law, natural disasters, and adverse possession. 35:55 – Test questions about forms of ownership 48:30 – September's episode will be about recording and title records including constructive and actual notice, chain of title, and more. Go to www.ahareep.com , sign up for the program for only $35, use discount code: legend15 to save 15% off. A-Ha LINKS Email [email protected] Web www.ahareep.com Facebook https://www.facebook.com/AHA.REEP YouTube https://www.youtube.com/channel/UCrxAjI5Li4Ll3Epwcyc0i6A