HTML – November 2026 #1 – FF

USA VERSION

<center><table id="bodyTable" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; height: 100%; margin: 0; padding: 0; width: 100%; background-color: #fafafa;" border="0" width="100%" cellspacing="0" cellpadding="0" align="center" bgcolor="#FAFAFA"><tbody><tr><td id="bodyCell" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; height: 100%; margin: 0; padding: 0; width: 100%; border-top: 0;" align="center" valign="top" width="100%" height="100%"><table style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody><tr><td id="templatePreheader" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; background-color: #fafafa; background-image: none; background-repeat: no-repeat; background-position: center; background-size: cover; border-top: 0; border-bottom: 0; padding-top: 9px; padding-bottom: 9px;" align="center" valign="top" bgcolor="#fafafa"><table class="templateContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; max-width: 600px;" border="0" width="100%" cellspacing="0" cellpadding="0" align="center"><tbody><tr><td class="preheaderContainer" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" valign="top"><table class="mcnTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnTextBlockOuter"><tr><td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top"> <table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #656565; font-family: Helvetica; font-size: 12px; text-align: left; padding: 0px 18px 9px; line-height: 200%;" align="left" valign="top"><div style="text-align: center;"><em>Plus: Income for a mortgage / Gifts under $15 / Waiting for a real estate crash</em></div></td></tr></tbody></table> </td></tr></tbody></table></td></tr></tbody></table></td></tr><tr><td id="templateHeader" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; background-color: #f3f4f5; background-image: none; background-repeat: no-repeat; background-position: center; background-size: cover; border-top: 0; border-bottom: 0; padding-top: 9px; padding-bottom: 0;" align="center" valign="top" bgcolor="#f3f4f5"><table class="templateContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; max-width: 600px;" border="0" width="100%" cellspacing="0" cellpadding="0" align="center"><tbody><tr><td class="headerContainer" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" valign="top"><table class="mcnTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnTextBlockOuter"><tr><td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top"> <table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Helvetica; font-size: 16px; line-height: 150%; text-align: left; padding: 0 18px 9px 18px;" align="left" valign="top"><table style="mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; border-collapse: collapse; margin: 0; padding: 0;" role="presentation" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody><tr><td style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 0; margin: 0;"><table style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" role="presentation" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody><tr class="stack-row"><td class="stack-col col-owner center-mobile pad-mobile" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 0; margin: 0; line-height: 1.2; vertical-align: middle; width: 120px;" valign="middle" width="120"><span style="font-size: 12px;"><img class="mcnImage" style="border: 0; vertical-align: bottom; display: block; border-radius: 6px; outline: none; text-decoration: none; -ms-interpolation-mode: bicubic; max-width: 105px; height: auto;" src="{OWNERIMG:12}" alt="{OWNERFIRST:4}" width="105" align="right" /></span></td><td class="hide-mobile" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; font-size: 1px; line-height: 1px;" width="8">&nbsp;</td><td class="stack-col col-text pad-mobile" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 5px 0 5px 5px; margin: 0; line-height: 1.3; vertical-align: middle;" valign="middle"><h1 style="display: block; padding: 0; color: #202020; font-family: Verdana, Geneva, sans-serif; font-size: 22px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; margin: 0; text-align: left;"><strong><span style="color: #222; font-family: arial, helvetica neue, helvetica, sans-serif;">{TITLE:10}</span></strong></h1><div style="text-align: left;"><span style="color: #222; font-family: arial, helvetica neue, helvetica, sans-serif; font-size: 15px;"><strong>{OWNERFIRST:4} {OWNERLAST:11}</strong></span><br /> <span style="font-size: 14px;"><span style="color: #222222; font-family: arial, &quot;helvetica neue, helvetica, sans-serif;">{PHONE:15}<br /> <a style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #4b6f96; font-weight: bold; text-decoration: none;" href="{WEBSITE:14}" target="_blank" rel="noopener">{COMPANY:17}</a></span></span></div></td><td class="hide-mobile" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; font-size: 1px; line-height: 1px;" width="1">&nbsp;</td><td class="stack-col col-logo center-mobile pad-mobile logo-mobile-hide" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 5px 15px 5px 0; margin: 0; text-align: center;" align="center" valign="middle"><span style="font-size: 12px;"><img class="mcnImage" style="vertical-align: bottom; display: block; border: 0; outline: none; text-decoration: none; -ms-interpolation-mode: bicubic; max-width: 125px; height: auto;" src="{LOGO:8}" alt="LOGO" width="125" align="center" /></span></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table> </td></tr></tbody></table></td></tr></tbody></table></td></tr><tr><td id="templateBody" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; background-color: #ffffff; background-image: none; background-repeat: no-repeat; background-position: center; background-size: cover; border-top: 0; border-bottom: 0; padding-top: 20px; padding-bottom: 9px;" align="center" valign="top" bgcolor="#ffffff"><table class="templateContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; max-width: 600px;" border="0" width="100%" cellspacing="0" cellpadding="0" align="center"><tbody><tr><td class="bodyContainer" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" valign="top"><table class="mcnTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnTextBlockOuter"><tr><td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top"> <table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left; padding: 0 18px 9px 18px;" align="left" valign="top"><h4 style="display: block; margin: 0; padding: 0; color: #202020; font-family: Helvetica; font-size: 18px; font-style: normal; font-weight: bold; line-height: 125%; letter-spacing: normal; text-align: left;">The Most Important Thing</h4><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;">A real estate career involves a little bit of everything &mdash; math, marketing, contracts, and, of course, houses. But at its heart, it&rsquo;s always about people. Thank you so much for being part of my journey and allowing me to be part of yours. I&rsquo;m truly grateful for your trust. Please know you can reach out anytime with any question.&nbsp;<br /> {OWNERFIRST:4}, {PHONE:15}<br /> <br /> Now, on to the fun stuff...</p></td></tr></tbody></table> </td></tr></tbody></table><table class="mcnImageBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnImageBlockOuter"><tr><td class="mcnImageBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 0px;" valign="top"><table class="mcnImageContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnImageContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; text-align: center; padding: 0 0px 0 0px;" align="center" valign="top"><img class="mcnImage" style="border: 0; height: auto; outline: none; text-decoration: none; -ms-interpolation-mode: bicubic; max-width: 650px; padding-bottom: 0; vertical-align: bottom; display: inline;" src="https://mcusercontent.com/7ebd2aee68d190ade0477fae2/images/671d687d-053d-d7d0-4ca9-72da4076a77e.png" alt="Woman Showing Gratitude" width="600" align="center" /></td></tr></tbody></table></td></tr></tbody></table><table class="mcnTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnTextBlockOuter"><tr><td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top"> <table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left; padding: 0 18px 9px 18px;" align="left" valign="top"><h2 class="null" style="display: block; margin: 0; padding: 0; color: #202020; font-family: Helvetica; font-size: 20px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: center;">The everyday magic of a gratitude moment</h2><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;">How often do you feel thankful for a hot shower? Or your refrigerator? Or your car for starting?&nbsp;Probably not often. Unless something breaks.</p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;">Funny how that works, isn't it? We're pretty good at appreciating the big milestones in life. But the everyday stuff? We barely notice it until something goes wrong.</p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;"><strong>And it's not just material things.</strong> There's the friend who always answers when you call. The spouse who makes your coffee just the way you like it. The neighbor who waves when you drive by. Ordinary little pleasures that make life better.</p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;"><strong>Feeling thankful for the little things isn't just a nice idea.&nbsp;</strong>it has real benefits for your mind and body. Studies show that small, daily acts of gratitude can improve our mood, lower anxiety, and even help us sleep better. It gives us a positive outlook that naturally draws people in, opening doors to new friendships and opportunities. <em>Not bad for something that doesn't cost a penny!</em></p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;">You can start right now. Look around and find three things you appreciate. Nothing spectacular required: a warm room, a familiar voice, the crisp fall air, the color of your favorite chair.</p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;">Take a moment to feel grateful for each one. No analyzing, no judging. Just pure appreciation. Make it a conscious practice to feel grateful for the little things all day long&nbsp;and see what happens.</p></td></tr></tbody></table> </td></tr></tbody></table><table class="mcnBoxedTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnBoxedTextBlockOuter"><tr><td class="mcnBoxedTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" valign="top"><table class="mcnBoxedTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 9px 18px 9px 18px;"><table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; background-color: #f1f7ff; min-width: 100%;" border="0" width="100%" cellspacing="0" bgcolor="#F1F7FF"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; line-height: 150%; padding: 18px; color: #000000; font-family: Helvetica; font-size: 15px; font-weight: normal; text-align: center;" align="center" valign="top"><h2 class="null" style="display: block; margin: 0; padding: 0; color: #202020; font-family: Helvetica; font-size: 20px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: center;"><strong>NOVEMBER QUIZ QUESTION</strong></h2><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; line-height: 150%; color: #000000; font-family: Helvetica; font-size: 15px; font-weight: normal; text-align: center;"><strong><em>A farmer has seventeen turkeys.<br /> All but nine ran away. How many are left?</em></strong></p>______________<p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; line-height: 150%; color: #000000; font-family: Helvetica; font-size: 15px; font-weight: normal; text-align: center;">Reply to this email&nbsp;with your answer &amp; a chance to win a free $5 coffee card.<br /> Enjoy a new quiz every month!</p></td></tr></tbody></table></td></tr></tbody></table> </td></tr></tbody></table><table class="mcnTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnTextBlockOuter"><tr><td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top"> <table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left; padding: 0 18px 9px 18px;" align="left" valign="top"><h2 class="null" style="display: block; margin: 0; padding: 0; color: #202020; font-family: Helvetica; font-size: 20px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: center;"><strong>REAL ESTATE Q&amp;A</strong></h2><div style="text-align: center;"><a style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #266db9; font-weight: bold; text-decoration: none;" href="https://fred.stlouisfed.org/series/MORTGAGE30US" target="_blank" rel="noopener">See today's rates.</a></div></td></tr></tbody></table> </td></tr></tbody></table><table class="mcnTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnTextBlockOuter"><tr><td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top"> <table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left; padding: 0 18px 9px 18px;" align="left" valign="top"><h2 style="display: block; margin: 0; padding: 0; color: #202020; font-family: Helvetica; font-size: 20px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: center;">Higher income isn't always the key to getting a mortgage</h2><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;">I&rsquo;m sometimes asked how much money someone needs to earn to buy a house. Of course, it varies by the house price and interest rate, but in general, I think the belief is that there&rsquo;s a threshold at which someone can be approved for a mortgage to buy. But that&rsquo;s not always the case.</p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;">Someone earning $200,000 a year can be denied a mortgage because too much of their income is already committed to car payments, credit cards, and other debts. Meanwhile, someone earning $65,000 may qualify because they've consistently lived within their means, avoided overspending, and built substantial savings.</p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;">The difference isn't necessarily income. It's how they manage their money. <strong>Warren Buffett once observed, when talking about some of his wealthy friends, "I feel the possessions possess them, rather than the other way around."</strong></p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;">Before applying for a mortgage, take a hard look at your debt. Reducing it can improve your chances of approval and potentially help you qualify for better loan terms. Better yet, you'll have less money tied up in monthly payments, leaving more available to save, invest, or enjoy life without financial strain.</p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;">Do you need a referral to a great lender? You can hit reply to this newsletter to message me, or contact me at {PHONE:15}. ~{OWNERFIRST:4}</p></td></tr></tbody></table> </td></tr></tbody></table><table class="mcnTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnTextBlockOuter"><tr><td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top"> <table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left; padding: 0 18px 9px 18px;" align="left" valign="top"><hr /><h2 class="null" style="display: block; margin: 0; padding: 0; color: #202020; font-family: Helvetica; font-size: 20px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: center;"><strong>TIPS, HACKS&nbsp;&amp; BRAIN SNACKS&nbsp;</strong></h2></td></tr></tbody></table> </td></tr></tbody></table><table class="mcnCaptionBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnCaptionBlockOuter"><tr><td class="mcnCaptionBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 9px;" valign="top"><table class="mcnCaptionLeftContentOuter" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody><tr><td class="mcnCaptionLeftContentInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 0 9px;" valign="top"><table class="mcnCaptionLeftImageContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: right;" border="0" width="176" cellspacing="0" cellpadding="0" align="right"><tbody><tr><td class="mcnCaptionLeftImageContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" align="center" valign="top"><img class="mcnImage" style="border: 0; height: auto; outline: none; text-decoration: none; -ms-interpolation-mode: bicubic; vertical-align: bottom; max-width: 303px;" src="https://mcusercontent.com/7ebd2aee68d190ade0477fae2/images/f8780bbb-8653-a33d-0f50-819b05072038.png" alt="House of Cards" width="176" /></td></tr></tbody></table><table class="mcnCaptionLeftTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left;" border="0" width="352" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;" align="left" valign="top"><h4 style="display: block; margin: 0; padding: 0; color: #202020; font-family: Helvetica; font-size: 18px; font-style: normal; font-weight: bold; line-height: 125%; letter-spacing: normal; text-align: left;">No point in waiting for a housing crash</h4><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;">Those hoping for a housing crash to lower prices face major disappointment. To match the ultra-low mortgage rates millions of current homeowners enjoy, home prices would have to plummet by 32%. According to a Barron&rsquo;s analysis, the median home price would need to drop from $429,100 to $291,181 just to balance today's punishing rates. That historic 32% plunge is even worse than the 27.5% crash of 2008, making a sudden affordability fix highly unlikely.</p></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table><table class="mcnDividerBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%; table-layout: fixed;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnDividerBlockOuter"><tr><td class="mcnDividerBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%; padding: 18px;"><table class="mcnDividerContent" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%; border-top: 2px solid #EAEAEA;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody><tr><td style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">&nbsp;</td></tr></tbody></table></td></tr></tbody></table><table class="mcnTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnTextBlockOuter"><tr><td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top"> <table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left; padding: 0 18px 9px 18px;" align="left" valign="top"><h3 class="null" style="display: block; margin: 0; padding: 0; color: #303030; font-family: Helvetica; font-size: 18px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: left;">Gift buying season has begun!&nbsp;<span style="font-size: 18px;">Here are a few ideas for under $15</span></h3><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;">The links take you to Amazon out of convenience...but you may be able to find these or similar products elsewhere online.</p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;"><a style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #266db9; font-weight: bold; text-decoration: none;" href="https://www.amazon.com/dp/B0HK6ZJWS4"><img style="-ms-interpolation-mode: bicubic; outline: none; text-decoration: none; border: 0px; width: 90px; margin: 5px 5px 0px 0px; height: auto;" src="https://mcusercontent.com/7ebd2aee68d190ade0477fae2/images/9826e108-8c7d-f167-ee35-a28b036b1244.png" alt="Christmas Mystery Box Word Search" width="90" height="131" align="left" data-file-id="7046810" /></a>1. <strong>Christmas Mystery Box Word Search</strong> ($10.87). What fun! Solve the word search puzzles, then unscramble the leftover letters to reveal a surprise. <a style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #266db9; font-weight: bold; text-decoration: none;" href="https://www.amazon.com/dp/B0HK6ZJWS4" target="_blank" rel="noopener">Link</a>.</p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;">2. <strong>DIY Terrarium Kit for Succulents &amp; Air Plants</strong> - Terrarium Starter Kit ($14.94). A fun&nbsp;mini terrarium project. You provide the plant and glass container: mason jar, bowl, etc.&nbsp;<a style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #266db9; font-weight: bold; text-decoration: none;" href="https://www.amazon.com/dp/B07DYD8WBP" target="_blank" rel="noopener">Link</a>.</p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;"><a style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #266db9; font-weight: bold; text-decoration: none;" href="https://www.amazon.com/Cleverfy-Shower-Bombs-Aromatherapy-Essential/dp/B07L5QGF38"><img style="-ms-interpolation-mode: bicubic; border: 0; outline: none; text-decoration: none; width: 90px; margin: 0px 5px 0px 0px; height: auto;" src="https://mcusercontent.com/7ebd2aee68d190ade0477fae2/images/36e68f12-2375-5b76-d6b2-d92bbe781745.png" alt="Cleverfy Shower Steamers" width="90" height="136" align="left" data-file-id="7046805" /></a>3. <strong>Cleverfy Shower Steamers</strong> ($9.99). No time for a bath? But still want a relaxing aromatherapy experience? These will do the trick.&nbsp;<a style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #266db9; font-weight: bold; text-decoration: none;" href="https://www.amazon.com/dp/B07L5QGF38" target="_blank" rel="noopener">Link</a>.</p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;">4.&nbsp;<strong>Rechargeable Magnetic Work Light</strong> ($9.99). A flashlight that can attach to&nbsp;metal. Handy for car repairs &amp; power outages (stick it on your 'fridge).&nbsp;<a style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #266db9; font-weight: bold; text-decoration: none;" href="https://www.amazon.com/dp/B0F4RB9ZG7" target="_blank" rel="noopener">Link</a>.&nbsp;</p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;"><a style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #266db9; font-weight: bold; text-decoration: none;" href="https://www.amazon.com/dp/B0HN2QDHG5"><img style="-ms-interpolation-mode: bicubic; outline: none; text-decoration: none; border: 0px; width: 90px; margin: 0px 5px 0px 0px; height: auto;" src="https://mcusercontent.com/7ebd2aee68d190ade0477fae2/images/01e1659c-d238-ee48-5345-4c2737b8a047.png" alt="Pocket Sudoku &amp; Monochrome Art for Men" width="90" height="118" align="left" data-file-id="7046809" /></a>5. <strong>Pocket Sudoku &amp; Monochrome Art for Men</strong> ($12.97). Medium sudoku puzzles plus mellow monochrome one-pen coloring pages, all with a rugged outdoor theme. For the man who has everything.&nbsp;<a style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #266db9; font-weight: bold; text-decoration: none;" href="https://www.amazon.com/dp/B0HN2QDHG5" target="_blank" rel="noopener">Link</a>.</p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;">6. <strong>Ninja Knockout Action Pen Set by PATKAW</strong> ($14.99 for 4). For adults who love&nbsp;a good fidget toy. Another fun stocking stuffer! <a style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #266db9; font-weight: bold; text-decoration: none;" href="https://www.amazon.com/PATKAW-Ninja-Boxing-Fidget-Ballpoint/dp/B0HMLC3B1M" target="_blank" rel="noopener">Link</a>.</p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;"><a style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #266db9; font-weight: bold; text-decoration: none;" href="https://www.amazon.com/Positive-Affirmation-Emotional-Support-Teachers/dp/B0DTQ34TKQ"><img style="-ms-interpolation-mode: bicubic; outline: none; text-decoration: none; border: 0px; width: 90px; margin: 0px 5px 0px 0px; height: auto;" src="https://mcusercontent.com/7ebd2aee68d190ade0477fae2/images/c8b78dad-8003-dd8c-b4ad-c340b3c4fe7d.png" alt="Positive Pickle Jar" width="90" height="106" align="left" data-file-id="7046804" /></a>7. <strong>FYC Socks for Women - Winter Wool Crew Socks</strong> ($9.99) Colorful, cute winter designs, perfect for low cut boots and shoes. A set of 5 for this price! Great stuffer idea.&nbsp;<a style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #266db9; font-weight: bold; text-decoration: none;" href="https://www.amazon.com/LKV-Womens-Winter-Casual-Christmas/dp/B0CB45ZFY3" target="_blank" rel="noopener">Link</a>.</p></td></tr></tbody></table> </td></tr></tbody></table><table class="mcnDividerBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%; table-layout: fixed;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnDividerBlockOuter"><tr><td class="mcnDividerBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%; padding: 18px;"><table class="mcnDividerContent" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%; border-top: 2px solid #EAEAEA;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody><tr><td style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">&nbsp;</td></tr></tbody></table></td></tr></tbody></table><table class="mcnCaptionBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnCaptionBlockOuter"><tr><td class="mcnCaptionBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 9px;" valign="top"><table class="mcnCaptionRightContentOuter" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody><tr><td class="mcnCaptionRightContentInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 0 9px;" valign="top"><table class="mcnCaptionRightImageContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left;" border="0" width="176" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnCaptionRightImageContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" align="center" valign="top"><img class="mcnImage" style="border: 0; height: auto; outline: none; text-decoration: none; -ms-interpolation-mode: bicubic; vertical-align: bottom; max-width: 284px;" src="https://mcusercontent.com/7ebd2aee68d190ade0477fae2/images/8697eca2-5cfc-4824-f2ae-c72b71b1adce.png" alt="Baking Soda and Vinegar in Sink" width="176" /></td></tr></tbody></table><table class="mcnCaptionRightTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: right;" border="0" width="352" cellspacing="0" cellpadding="0" align="right"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;" align="left" valign="top"><h3 style="display: block; margin: 0; padding: 0; color: #303030; font-family: Helvetica; font-size: 18px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: left;">That smell might be your kitchen sink</h3><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;">Periodically, greasy food residue can build up in drains and the disposal, and the smell will let you know it's happened to you. To eliminate the odors here's a simple approach. First, flush the drain with a pot of hot water. Then pour in a half cup of baking soda. Then add a full cup of white vinegar. Let it fizz for fifteen minutes then flush again with a pot of hot<br /> water.</p></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table><table class="mcnCaptionBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnCaptionBlockOuter"><tr><td class="mcnCaptionBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 9px;" valign="top"><table class="mcnCaptionLeftContentOuter" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody><tr><td class="mcnCaptionLeftContentInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 0 9px;" valign="top"><table class="mcnCaptionLeftImageContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: right;" border="0" width="176" cellspacing="0" cellpadding="0" align="right"><tbody><tr><td class="mcnCaptionLeftImageContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" align="center" valign="top"><img class="mcnImage" style="border: 0; height: auto; outline: none; text-decoration: none; -ms-interpolation-mode: bicubic; vertical-align: bottom; max-width: 149px;" src="https://mcusercontent.com/7ebd2aee68d190ade0477fae2/images/e0e8d0f7-ecdf-c437-9390-f554e1b36b26.png" alt="Square Wombat Poop" width="149" /></td></tr></tbody></table><table class="mcnCaptionLeftTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left;" border="0" width="352" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;" align="left" valign="top"><h3 class="null" style="display: block; margin: 0; padding: 0; color: #303030; font-family: Helvetica; font-size: 18px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: left;">Proof that Nature Has a Sense of Humor</h3><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;">Here's something you probably didn't need to know: Wombats&nbsp;poop cubes. And scientists have spent years figuring out how, one even winning an "Ig Nobel Prize" for research. These Australian marsupials have unusual intestines that help shape their droppings into little blocks. Why cubes? Wombats use their droppings to mark territory, often depositing&nbsp;them on rocks and logs. The&nbsp;cube shape helps keep&nbsp;everything from rolling away.</p></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table><table class="mcnTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnTextBlockOuter"><tr><td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top"> <table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left; padding: 0 18px 9px 18px;" align="left" valign="top"><hr /><h2 class="null" style="display: block; margin: 0; padding: 0; color: #202020; font-family: Helvetica; font-size: 20px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: center;"><strong>WORD SEARCH</strong></h2></td></tr></tbody></table> </td></tr></tbody></table><table class="mcnTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnTextBlockOuter"><tr><td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top"> <table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left; padding: 0 18px 9px 18px;" align="left" valign="top"><h3 style="display: block; margin: 0; padding: 0; color: #303030; font-family: Helvetica; font-size: 18px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: center;">Weird English Words (You'll want to look them up)</h3><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;">Enjoy this fun puzzle. No login or registration needed. <a style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #266db9; font-weight: bold; text-decoration: none;" href="https://members.fastnewsletters.com/november-1-word-search-strange-english/" target="_blank" rel="noopener">Click to play now!</a></p></td></tr></tbody></table> </td></tr></tbody></table><table class="mcnImageBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnImageBlockOuter"><tr><td class="mcnImageBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 9px;" valign="top"><table class="mcnImageContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnImageContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; text-align: center; padding: 0 9px 0 9px;" align="center" valign="top"><a class="" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" title="" href="https://members.fastnewsletters.com/november-1-word-search-strange-english/" target="_blank" rel="noopener"> <img class="mcnImage" style="-ms-interpolation-mode: bicubic; border: 0; height: auto; outline: none; text-decoration: none; max-width: 1200px; padding-bottom: 0; vertical-align: bottom; display: inline;" src="https://mcusercontent.com/7ebd2aee68d190ade0477fae2/images/9e157899-7845-dbc3-5372-76cff28d094c.png" alt="Weird English word search" width="564" align="center" /> </a></td></tr></tbody></table></td></tr></tbody></table><table class="mcnDividerBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%; table-layout: fixed;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnDividerBlockOuter"><tr><td class="mcnDividerBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%; padding: 18px;"><table class="mcnDividerContent" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%; border-top: 2px solid #EAEAEA;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody><tr><td style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">&nbsp;</td></tr></tbody></table></td></tr></tbody></table><table class="mcnTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnTextBlockOuter"><tr><td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top"> <table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left; padding: 0 18px 9px 18px;" align="left" valign="top"><table style="mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; border-collapse: collapse;" width="90%" cellspacing="0" cellpadding="0" align="center"><tbody><tr><td style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" align="center" valign="middle"><img class="mcnImage" style="border: 0; vertical-align: bottom; border-radius: 6px; outline: none; text-decoration: none; -ms-interpolation-mode: bicubic; max-width: 110px; display: inline-block; height: auto;" src="{OWNERIMG:12}" alt="{OWNERFIRST:4}'s image" width="110" data-file-id="4123549" /></td><td style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">&nbsp;&nbsp;</td><td style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" align="left"><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;"><strong>{OWNERFIRST:4} {OWNERLAST:11}<br /> {PHONE:15}<br /> <em>{COMPANY:17}</em></strong></p></td></tr></tbody></table></td></tr></tbody></table> </td></tr></tbody></table><table class="mcnDividerBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%; table-layout: fixed;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnDividerBlockOuter"><tr><td class="mcnDividerBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%; padding: 18px 18px 98px;"><table class="mcnDividerContent" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody><tr><td style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">&nbsp;</td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr><tr><td id="templateFooter" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; background-color: #fafafa; background-image: none; background-repeat: no-repeat; background-position: center; background-size: cover; border-top: 0; border-bottom: 0; padding-top: 9px; padding-bottom: 9px;" align="center" valign="top" bgcolor="#fafafa"><table class="templateContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; max-width: 600px;" border="0" width="100%" cellspacing="0" cellpadding="0" align="center"><tbody><tr><td class="footerContainer" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" valign="top">&nbsp;</td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></center>

CANADA VERSION

<center><table id="bodyTable" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; height: 100%; margin: 0; padding: 0; width: 100%; background-color: #fafafa;" border="0" width="100%" cellspacing="0" cellpadding="0" align="center" bgcolor="#FAFAFA"><tbody><tr><td id="bodyCell" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; height: 100%; margin: 0; padding: 0; width: 100%; border-top: 0;" align="center" valign="top" width="100%" height="100%"><table style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody><tr><td id="templatePreheader" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; background-color: #fafafa; background-image: none; background-repeat: no-repeat; background-position: center; background-size: cover; border-top: 0; border-bottom: 0; padding-top: 9px; padding-bottom: 9px;" align="center" valign="top" bgcolor="#fafafa"><table class="templateContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; max-width: 600px;" border="0" width="100%" cellspacing="0" cellpadding="0" align="center"><tbody><tr><td class="preheaderContainer" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" valign="top"><table class="mcnTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnTextBlockOuter"><tr><td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top"> <table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #656565; font-family: Helvetica; font-size: 12px; text-align: left; padding: 0px 18px 9px; line-height: 200%;" align="left" valign="top"><div style="text-align: center;"><em>Plus: Income for a mortgage / Gifts under $15 / Waiting for a real estate crash</em></div></td></tr></tbody></table> </td></tr></tbody></table></td></tr></tbody></table></td></tr><tr><td id="templateHeader" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; background-color: #f3f4f5; background-image: none; background-repeat: no-repeat; background-position: center; background-size: cover; border-top: 0; border-bottom: 0; padding-top: 9px; padding-bottom: 0;" align="center" valign="top" bgcolor="#f3f4f5"><table class="templateContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; max-width: 600px;" border="0" width="100%" cellspacing="0" cellpadding="0" align="center"><tbody><tr><td class="headerContainer" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" valign="top"><table class="mcnTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnTextBlockOuter"><tr><td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top"> <table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Helvetica; font-size: 16px; line-height: 150%; text-align: left; padding: 0 18px 9px 18px;" align="left" valign="top"><table style="mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; border-collapse: collapse; margin: 0; padding: 0;" role="presentation" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody><tr><td style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 0; margin: 0;"><table style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" role="presentation" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody><tr class="stack-row"><td class="stack-col col-owner center-mobile pad-mobile" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 0; margin: 0; line-height: 1.2; vertical-align: middle; width: 120px;" valign="middle" width="120"><span style="font-size: 12px;"><img class="mcnImage" style="border: 0; vertical-align: bottom; display: block; border-radius: 6px; outline: none; text-decoration: none; -ms-interpolation-mode: bicubic; max-width: 105px; height: auto;" src="{OWNERIMG:12}" alt="{OWNERFIRST:4}" width="105" align="right" /></span></td><td class="hide-mobile" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; font-size: 1px; line-height: 1px;" width="8">&nbsp;</td><td class="stack-col col-text pad-mobile" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 5px 0 5px 5px; margin: 0; line-height: 1.3; vertical-align: middle;" valign="middle"><h1 style="display: block; padding: 0; color: #202020; font-family: Verdana, Geneva, sans-serif; font-size: 22px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; margin: 0; text-align: left;"><strong><span style="color: #222; font-family: arial, helvetica neue, helvetica, sans-serif;">{TITLE:10}</span></strong></h1><div style="text-align: left;"><span style="color: #222; font-family: arial, helvetica neue, helvetica, sans-serif; font-size: 15px;"><strong>{OWNERFIRST:4} {OWNERLAST:11}</strong></span><br /> <span style="font-size: 14px;"><span style="color: #222222; font-family: arial, &quot;helvetica neue, helvetica, sans-serif;">{PHONE:15}<br /> <a style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #4b6f96; font-weight: bold; text-decoration: none;" href="{WEBSITE:14}" target="_blank" rel="noopener">{COMPANY:17}</a></span></span></div></td><td class="hide-mobile" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; font-size: 1px; line-height: 1px;" width="1">&nbsp;</td><td class="stack-col col-logo center-mobile pad-mobile logo-mobile-hide" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 5px 15px 5px 0; margin: 0; text-align: center;" align="center" valign="middle"><span style="font-size: 12px;"><img class="mcnImage" style="vertical-align: bottom; display: block; border: 0; outline: none; text-decoration: none; -ms-interpolation-mode: bicubic; max-width: 125px; height: auto;" src="{LOGO:8}" alt="LOGO" width="125" align="center" /></span></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table> </td></tr></tbody></table></td></tr></tbody></table></td></tr><tr><td id="templateBody" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; background-color: #ffffff; background-image: none; background-repeat: no-repeat; background-position: center; background-size: cover; border-top: 0; border-bottom: 0; padding-top: 20px; padding-bottom: 9px;" align="center" valign="top" bgcolor="#ffffff"><table class="templateContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; max-width: 600px;" border="0" width="100%" cellspacing="0" cellpadding="0" align="center"><tbody><tr><td class="bodyContainer" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" valign="top"><table class="mcnTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnTextBlockOuter"><tr><td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top"> <table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left; padding: 0 18px 9px 18px;" align="left" valign="top"><h4 style="display: block; margin: 0; padding: 0; color: #202020; font-family: Helvetica; font-size: 18px; font-style: normal; font-weight: bold; line-height: 125%; letter-spacing: normal; text-align: left;">The Most Important Thing</h4><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;">A real estate career involves a little bit of everything &mdash; math, marketing, contracts, and, of course, houses. But at its heart, it&rsquo;s always about people. Thank you so much for being part of my journey and allowing me to be part of yours. I&rsquo;m truly grateful for your trust. Please know you can reach out anytime with any question.&nbsp;<br /> {OWNERFIRST:4}, {PHONE:15}<br /> <br /> Now, on to the fun stuff...</p></td></tr></tbody></table> </td></tr></tbody></table><table class="mcnImageBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnImageBlockOuter"><tr><td class="mcnImageBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 0px;" valign="top"><table class="mcnImageContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnImageContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; text-align: center; padding: 0 0px 0 0px;" align="center" valign="top"><img class="mcnImage" style="border: 0; height: auto; outline: none; text-decoration: none; -ms-interpolation-mode: bicubic; max-width: 650px; padding-bottom: 0; vertical-align: bottom; display: inline;" src="https://mcusercontent.com/7ebd2aee68d190ade0477fae2/images/671d687d-053d-d7d0-4ca9-72da4076a77e.png" alt="Woman Showing Gratitude" width="600" align="center" /></td></tr></tbody></table></td></tr></tbody></table><table class="mcnTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnTextBlockOuter"><tr><td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top"> <table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left; padding: 0 18px 9px 18px;" align="left" valign="top"><h2 class="null" style="display: block; margin: 0; padding: 0; color: #202020; font-family: Helvetica; font-size: 20px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: center;">The everyday magic of a gratitude moment</h2><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;">How often do you feel thankful for a hot shower? Or your refrigerator? Or your car for starting?&nbsp;Probably not often. Unless something breaks.</p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;">Funny how that works, isn't it? We're pretty good at appreciating the big milestones in life. But the everyday stuff? We barely notice it until something goes wrong.</p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;"><strong>And it's not just material things.</strong> There's the friend who always answers when you call. The spouse who makes your coffee just the way you like it. The neighbour who waves when you drive by. Ordinary little pleasures that make life better.</p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;"><strong>Feeling thankful for the little things isn't just a nice idea.&nbsp;</strong>it has real benefits for your mind and body. Studies show that small, daily acts of gratitude can improve our mood, lower anxiety, and even help us sleep better. It gives us a positive outlook that naturally draws people in, opening doors to new friendships and opportunities. <em>Not bad for something that doesn't cost a penny!</em></p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;">You can start right now. Look around and find three things you appreciate. Nothing spectacular required: a warm room, a familiar voice, the crisp fall air, the color of your favorite chair.</p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;">Take a moment to feel grateful for each one. No analyzing, no judging. Just pure appreciation. Make it a conscious practice to feel grateful for the little things all day long&nbsp;and see what happens.</p></td></tr></tbody></table> </td></tr></tbody></table><table class="mcnBoxedTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnBoxedTextBlockOuter"><tr><td class="mcnBoxedTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" valign="top"><table class="mcnBoxedTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 9px 18px 9px 18px;"><table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; background-color: #f1f7ff; min-width: 100%;" border="0" width="100%" cellspacing="0" bgcolor="#F1F7FF"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; line-height: 150%; padding: 18px; color: #000000; font-family: Helvetica; font-size: 15px; font-weight: normal; text-align: center;" align="center" valign="top"><h2 class="null" style="display: block; margin: 0; padding: 0; color: #202020; font-family: Helvetica; font-size: 20px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: center;"><strong>NOVEMBER QUIZ QUESTION</strong></h2><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; line-height: 150%; color: #000000; font-family: Helvetica; font-size: 15px; font-weight: normal; text-align: center;"><strong><em>A farmer has seventeen turkeys.<br /> All but nine ran away. How many are left?</em></strong></p>______________<p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; line-height: 150%; color: #000000; font-family: Helvetica; font-size: 15px; font-weight: normal; text-align: center;">Reply to this email&nbsp;with your answer &amp; a chance to win a free $5 coffee card.<br /> Enjoy a new quiz every month!</p></td></tr></tbody></table></td></tr></tbody></table> </td></tr></tbody></table><table class="mcnTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnTextBlockOuter"><tr><td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top"> <table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left; padding: 0 18px 9px 18px;" align="left" valign="top"><h2 class="null" style="display: block; margin: 0; padding: 0; color: #202020; font-family: Helvetica; font-size: 20px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: center;"><strong>REAL ESTATE Q&amp;A</strong></h2><div style="text-align: center;"><a style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #266db9; font-weight: bold; text-decoration: none;" href="https://www.bankofcanada.ca/rates/banking-and-financial-statistics/posted-interest-rates-offered-by-chartered-banks/" target="_blank" rel="noopener">See today's rates.</a></div></td></tr></tbody></table> </td></tr></tbody></table><table class="mcnTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnTextBlockOuter"><tr><td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top"> <table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left; padding: 0 18px 9px 18px;" align="left" valign="top"><h2 style="display: block; margin: 0; padding: 0; color: #202020; font-family: Helvetica; font-size: 20px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: center;">Higher income isn't always the key to getting a mortgage</h2><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;">I&rsquo;m sometimes asked how much money someone needs to earn to buy a house. Of course, it varies by the house price and interest rate, but in general, I think the belief is that there&rsquo;s a threshold at which someone can be approved for a mortgage to buy. But that&rsquo;s not always the case.</p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;">Someone earning $200,000 a year can be denied a mortgage because too much of their income is already committed to car payments, credit cards, and other debts. Meanwhile, someone earning $65,000 may qualify because they've consistently lived within their means, avoided overspending, and built substantial savings.</p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;">The difference isn't necessarily income. It's how they manage their money. <strong>Warren Buffett once observed, when talking about some of his wealthy friends, "I feel the possessions possess them, rather than the other way around."</strong></p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;">Before applying for a mortgage, take a hard look at your debt. Reducing it can improve your chances of approval and potentially help you qualify for better loan terms. Better yet, you'll have less money tied up in monthly payments, leaving more available to save, invest, or enjoy life without financial strain.</p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;">Do you need a referral to a great lender? You can hit reply to this newsletter to message me, or contact me at {PHONE:15}. ~{OWNERFIRST:4}</p></td></tr></tbody></table> </td></tr></tbody></table><table class="mcnTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnTextBlockOuter"><tr><td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top"> <table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left; padding: 0 18px 9px 18px;" align="left" valign="top"><hr /><h2 class="null" style="display: block; margin: 0; padding: 0; color: #202020; font-family: Helvetica; font-size: 20px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: center;"><strong>TIPS, HACKS&nbsp;&amp; BRAIN SNACKS&nbsp;</strong></h2></td></tr></tbody></table> </td></tr></tbody></table><table class="mcnCaptionBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnCaptionBlockOuter"><tr><td class="mcnCaptionBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 9px;" valign="top"><table class="mcnCaptionLeftContentOuter" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody><tr><td class="mcnCaptionLeftContentInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 0 9px;" valign="top"><table class="mcnCaptionLeftImageContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: right;" border="0" width="176" cellspacing="0" cellpadding="0" align="right"><tbody><tr><td class="mcnCaptionLeftImageContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" align="center" valign="top"><img class="mcnImage" style="border: 0; height: auto; outline: none; text-decoration: none; -ms-interpolation-mode: bicubic; vertical-align: bottom; max-width: 303px;" src="https://mcusercontent.com/7ebd2aee68d190ade0477fae2/images/f8780bbb-8653-a33d-0f50-819b05072038.png" alt="House of Cards" width="176" /></td></tr></tbody></table><table class="mcnCaptionLeftTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left;" border="0" width="352" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;" align="left" valign="top"><h4 style="display: block; margin: 0; padding: 0; color: #202020; font-family: Helvetica; font-size: 18px; font-style: normal; font-weight: bold; line-height: 125%; letter-spacing: normal; text-align: left;">No point in waiting for a housing crash</h4><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;">Those hoping for a housing crash to lower prices face major disappointment. To match the ultra-low mortgage rates millions of current homeowners enjoy, home prices would have to plummet by 32%. According to a Barron&rsquo;s analysis, the median home price would need to drop from $429,100 to $291,181 just to balance today's punishing rates. That historic 32% plunge is even worse than the 27.5% crash of 2008, making a sudden affordability fix highly unlikely.</p></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table><table class="mcnDividerBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%; table-layout: fixed;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnDividerBlockOuter"><tr><td class="mcnDividerBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%; padding: 9px 18px 18px;"><table class="mcnDividerContent" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%; border-top: 2px solid #EAEAEA;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody><tr><td style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">&nbsp;</td></tr></tbody></table></td></tr></tbody></table><table class="mcnTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnTextBlockOuter"><tr><td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top"> <table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left; padding: 0 18px 9px 18px;" align="left" valign="top"><h3 class="null" style="display: block; margin: 0; padding: 0; color: #303030; font-family: Helvetica; font-size: 18px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: left;">Gift buying season has begun!&nbsp;<span style="font-size: 18px;">Here are a few ideas for under $15</span></h3><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;">The links take you to Amazon out of convenience...but you may be able to find these or similar products elsewhere online.</p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;"><a style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #266db9; font-weight: bold; text-decoration: none;" href="https://www.amazon.com/dp/B0HK6ZJWS4"><img style="-ms-interpolation-mode: bicubic; border: 0; outline: none; text-decoration: none; width: 90px; margin: 5px 7px 0px 0px; height: auto;" src="https://mcusercontent.com/7ebd2aee68d190ade0477fae2/images/9826e108-8c7d-f167-ee35-a28b036b1244.png" alt="Christmas Mystery Box Word Search" width="90" height="131" align="left" data-file-id="7046810" /></a>1. <strong>Christmas Mystery Box Word Search</strong> ($10.87). What fun! Solve the word search puzzles, then unscramble the leftover letters to reveal a surprise. <a style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #266db9; font-weight: bold; text-decoration: none;" href="https://www.amazon.com/dp/B0HK6ZJWS4" target="_blank" rel="noopener">Link</a>.</p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;">2. <strong>DIY Terrarium Kit for Succulents &amp; Air Plants</strong> - Terrarium Starter Kit ($14.94). A fun&nbsp;mini terrarium project. You provide the plant and glass container: mason jar, bowl, etc.&nbsp;<a style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #266db9; font-weight: bold; text-decoration: none;" href="https://www.amazon.com/dp/B07DYD8WBP" target="_blank" rel="noopener">Link</a>.</p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;"><a style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #266db9; font-weight: bold; text-decoration: none;" href="https://www.amazon.com/Cleverfy-Shower-Bombs-Aromatherapy-Essential/dp/B07L5QGF38"><img style="-ms-interpolation-mode: bicubic; outline: none; text-decoration: none; border: 0px; width: 90px; margin: 0px 7px 0px 0px; height: auto;" src="https://mcusercontent.com/7ebd2aee68d190ade0477fae2/images/36e68f12-2375-5b76-d6b2-d92bbe781745.png" alt="Cleverfy Shower Steamers" width="90" height="136" align="left" data-file-id="7046805" /></a>3. <strong>Cleverfy Shower Steamers</strong> ($9.99). No time for a bath? But still want a relaxing aromatherapy experience? These will do the trick.&nbsp;<a style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #266db9; font-weight: bold; text-decoration: none;" href="https://www.amazon.com/dp/B07L5QGF38" target="_blank" rel="noopener">Link</a>.</p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;">4.&nbsp;<strong>Rechargeable Magnetic Work Light</strong> ($9.99). A flashlight that can attach to&nbsp;metal. Handy for car repairs &amp; power outages (stick it on your 'fridge).&nbsp;<a style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #266db9; font-weight: bold; text-decoration: none;" href="https://www.amazon.com/dp/B0F4RB9ZG7" target="_blank" rel="noopener">Link</a>.&nbsp;</p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;"><a style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #266db9; font-weight: bold; text-decoration: none;" href="https://www.amazon.com/dp/B0HN2QDHG5"><img style="-ms-interpolation-mode: bicubic; border: 0; outline: none; text-decoration: none; width: 90px; margin: 0px 7px 0px 0px; height: auto;" src="https://mcusercontent.com/7ebd2aee68d190ade0477fae2/images/01e1659c-d238-ee48-5345-4c2737b8a047.png" alt="Pocket Sudoku &amp; Monochrome Art for Men" width="90" height="118" align="left" data-file-id="7046809" /></a>5. <strong>Pocket Sudoku &amp; Monochrome Art for Men</strong> ($12.97). Medium sudoku puzzles plus mellow monochrome one-pen coloring pages, all with a rugged outdoor theme. For the man who has everything.&nbsp;<a style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #266db9; font-weight: bold; text-decoration: none;" href="https://www.amazon.com/dp/B0HN2QDHG5" target="_blank" rel="noopener">Link</a>.</p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;">6. <strong>Ninja Knockout Action Pen Set by PATKAW</strong> ($14.99 for 4). For adults who love&nbsp;a good fidget toy. Another fun stocking stuffer! <a style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #266db9; font-weight: bold; text-decoration: none;" href="https://www.amazon.com/PATKAW-Ninja-Boxing-Fidget-Ballpoint/dp/B0HMLC3B1M" target="_blank" rel="noopener">Link</a>.</p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;"><a style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #266db9; font-weight: bold; text-decoration: none;" href="https://www.amazon.com/Positive-Affirmation-Emotional-Support-Teachers/dp/B0DTQ34TKQ"><img style="-ms-interpolation-mode: bicubic; border: 0; outline: none; text-decoration: none; width: 90px; margin: 0px 7px 0px 0px; height: auto;" src="https://mcusercontent.com/7ebd2aee68d190ade0477fae2/images/c8b78dad-8003-dd8c-b4ad-c340b3c4fe7d.png" alt="Positive Pickle Jar" width="90" height="106" align="left" data-file-id="7046804" /></a>7. <strong>FYC Socks for Women - Winter Wool Crew Socks</strong> ($9.99) Colorful, cute winter designs, perfect for low cut boots and shoes. A set of 5 for this price! Great stuffer idea.&nbsp;<a style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #266db9; font-weight: bold; text-decoration: none;" href="https://www.amazon.com/LKV-Womens-Winter-Casual-Christmas/dp/B0CB45ZFY3" target="_blank" rel="noopener">Link</a>.</p></td></tr></tbody></table> </td></tr></tbody></table><table class="mcnDividerBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%; table-layout: fixed;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnDividerBlockOuter"><tr><td class="mcnDividerBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%; padding: 18px;"><table class="mcnDividerContent" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%; border-top: 2px solid #EAEAEA;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody><tr><td style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">&nbsp;</td></tr></tbody></table></td></tr></tbody></table><table class="mcnCaptionBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnCaptionBlockOuter"><tr><td class="mcnCaptionBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 9px;" valign="top"><table class="mcnCaptionRightContentOuter" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody><tr><td class="mcnCaptionRightContentInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 0 9px;" valign="top"><table class="mcnCaptionRightImageContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left;" border="0" width="176" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnCaptionRightImageContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" align="center" valign="top"><img class="mcnImage" style="border: 0; height: auto; outline: none; text-decoration: none; -ms-interpolation-mode: bicubic; vertical-align: bottom; max-width: 284px;" src="https://mcusercontent.com/7ebd2aee68d190ade0477fae2/images/8697eca2-5cfc-4824-f2ae-c72b71b1adce.png" alt="Baking Soda and Vinegar in Sink" width="176" /></td></tr></tbody></table><table class="mcnCaptionRightTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: right;" border="0" width="352" cellspacing="0" cellpadding="0" align="right"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;" align="left" valign="top"><h3 style="display: block; margin: 0; padding: 0; color: #303030; font-family: Helvetica; font-size: 18px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: left;">That smell might be your kitchen sink</h3><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;">Periodically, greasy food residue can build up in drains and the disposal, and the smell will let you know it's happened to you. To eliminate the odors here's a simple approach. First, flush the drain with a pot of hot water. Then pour in a half cup of baking soda. Then add a full cup of white vinegar. Let it fizz for fifteen minutes then flush again with a pot of hot<br /> water.</p></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table><table class="mcnCaptionBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnCaptionBlockOuter"><tr><td class="mcnCaptionBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 9px;" valign="top"><table class="mcnCaptionLeftContentOuter" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody><tr><td class="mcnCaptionLeftContentInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 0 9px;" valign="top"><table class="mcnCaptionLeftImageContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: right;" border="0" width="176" cellspacing="0" cellpadding="0" align="right"><tbody><tr><td class="mcnCaptionLeftImageContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" align="center" valign="top"><img class="mcnImage" style="border: 0; height: auto; outline: none; text-decoration: none; -ms-interpolation-mode: bicubic; vertical-align: bottom; max-width: 149px;" src="https://mcusercontent.com/7ebd2aee68d190ade0477fae2/images/e0e8d0f7-ecdf-c437-9390-f554e1b36b26.png" alt="Square Wombat Poop" width="149" /></td></tr></tbody></table><table class="mcnCaptionLeftTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left;" border="0" width="352" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;" align="left" valign="top"><h3 class="null" style="display: block; margin: 0; padding: 0; color: #303030; font-family: Helvetica; font-size: 18px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: left;">Proof that Nature Has a Sense of Humor</h3><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;">Here's something you probably didn't need to know: Wombats&nbsp;poop cubes. And scientists have spent years figuring out how, one even winning an "Ig Nobel Prize" for research. These Australian marsupials have unusual intestines that help shape their droppings into little blocks. Why cubes? Wombats use their droppings to mark territory, often depositing&nbsp;them on rocks and logs. The&nbsp;cube shape helps keep&nbsp;everything from rolling away.</p></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table><table class="mcnTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnTextBlockOuter"><tr><td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top"> <table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left; padding: 0 18px 9px 18px;" align="left" valign="top"><hr /><h2 class="null" style="display: block; margin: 0; padding: 0; color: #202020; font-family: Helvetica; font-size: 20px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: center;"><strong>WORD SEARCH</strong></h2></td></tr></tbody></table> </td></tr></tbody></table><table class="mcnTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnTextBlockOuter"><tr><td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top"> <table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left; padding: 0 18px 9px 18px;" align="left" valign="top"><h3 style="display: block; margin: 0; padding: 0; color: #303030; font-family: Helvetica; font-size: 18px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: center;">Weird English Words (You'll want to look them up)</h3><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;">Enjoy this fun puzzle. No login or registration needed. <a style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #266db9; font-weight: bold; text-decoration: none;" href="https://members.fastnewsletters.com/november-1-word-search-strange-english/" target="_blank" rel="noopener">Click to play now!</a></p></td></tr></tbody></table> </td></tr></tbody></table><table class="mcnImageBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnImageBlockOuter"><tr><td class="mcnImageBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 9px;" valign="top"><table class="mcnImageContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnImageContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; text-align: center; padding: 0 9px 0 9px;" align="center" valign="top"><a class="" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" title="" href="https://members.fastnewsletters.com/november-1-word-search-strange-english/" target="_blank" rel="noopener"> <img class="mcnImage" style="-ms-interpolation-mode: bicubic; border: 0; height: auto; outline: none; text-decoration: none; max-width: 1200px; padding-bottom: 0; vertical-align: bottom; display: inline;" src="https://mcusercontent.com/7ebd2aee68d190ade0477fae2/images/9e157899-7845-dbc3-5372-76cff28d094c.png" alt="Weird English word search" width="564" align="center" /> </a></td></tr></tbody></table></td></tr></tbody></table><table class="mcnDividerBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%; table-layout: fixed;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnDividerBlockOuter"><tr><td class="mcnDividerBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%; padding: 18px;"><table class="mcnDividerContent" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%; border-top: 2px solid #EAEAEA;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody><tr><td style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">&nbsp;</td></tr></tbody></table></td></tr></tbody></table><table class="mcnTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnTextBlockOuter"><tr><td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top"> <table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left; padding: 0 18px 9px 18px;" align="left" valign="top"><table style="mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; border-collapse: collapse;" width="90%" cellspacing="0" cellpadding="0" align="center"><tbody><tr><td style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" align="center" valign="middle"><img class="mcnImage" style="border: 0; vertical-align: bottom; border-radius: 6px; outline: none; text-decoration: none; -ms-interpolation-mode: bicubic; max-width: 110px; display: inline-block; height: auto;" src="{OWNERIMG:12}" alt="{OWNERFIRST:4}'s image" width="110" data-file-id="4123549" /></td><td style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">&nbsp;&nbsp;</td><td style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" align="left"><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;"><strong>{OWNERFIRST:4} {OWNERLAST:11}<br /> {PHONE:15}<br /> <em>{COMPANY:17}</em></strong></p></td></tr></tbody></table></td></tr></tbody></table> </td></tr></tbody></table><table class="mcnDividerBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%; table-layout: fixed;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnDividerBlockOuter"><tr><td class="mcnDividerBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%; padding: 18px 18px 98px;"><table class="mcnDividerContent" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody><tr><td style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">&nbsp;</td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr><tr><td id="templateFooter" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; background-color: #fafafa; background-image: none; background-repeat: no-repeat; background-position: center; background-size: cover; border-top: 0; border-bottom: 0; padding-top: 9px; padding-bottom: 9px;" align="center" valign="top" bgcolor="#fafafa"><table class="templateContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; max-width: 600px;" border="0" width="100%" cellspacing="0" cellpadding="0" align="center"><tbody><tr><td class="footerContainer" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" valign="top">&nbsp;</td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></center>