HTML – APRIL 2026 – FF #1x

USA VERSION

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<div style="text-align: center;"><em>"Dreams come in a size too big so that we may grow into them."</em> &mdash;&nbsp;<strong data-sfc-cb="">Josie Bisse</strong><br /> <strong><a style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #656565; font-weight: bold; text-decoration: none;" href="{WEBSITE:14}" target="_blank" rel="noopener">FIND A HOME</a>&nbsp;&nbsp;<span style="font-size: 18px;">|&nbsp;</span>&nbsp;<a style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #656565; font-weight: bold; text-decoration: none;" href="{ABOUT:31}" target="_blank" rel="noopener">ABOUT</a>&nbsp; <span style="font-size: 18px;">|</span>&nbsp; <a style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #656565; font-weight: bold; text-decoration: none;" href="mailto:{EMAIL:16}?subject=I'd%20like%20to%20set%20an%20appointment&amp;body=%3CPlease%20include%20details%20about%20what%20you'd%20like%20to%20discuss.%20(You%20can%20also%20call%20or%20text%20me%20now.)%3E" target="_blank" rel="noopener">APPOINTMENT</a></strong></div>
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<h2 class="null" style="display: block; margin: 0; padding: 0; color: #202020; font-family: Verdana, Geneva, sans-serif; font-size: 20px; font-style: normal; font-weight: bold; line-height: 125%; letter-spacing: -1px; text-align: center;">In this Month's Issue...</h2>
<div style="text-align: center;">What gives a house charisma?<br /> <strong>Rates popped up again; war jitters</strong><br /> A new way to tap home equity&mdash;but buyer beware!<br /> A long history of Easter eggs<br /> Improve AI responses with this 'glitch prompt'<br /> <strong>Earth Day, April 22</strong><br /> The gritty history of soap<br /> April Word Search Puzzle</div>
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<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: 9px 18px; color: #000000; font-family: Helvetica; font-size: 14px; font-weight: normal; text-align: left;" align="left" valign="top" width="546">Have you ever noticed that some houses seem to ooze more personality than others? What makes that happen?
<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: 14px; font-weight: normal; text-align: left;"><strong>A good architect can design personality into a home from the start. </strong>Famous houses like Fallingwater and the Yerevan House (above) have a natural presence that makes them unforgettable.</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: 14px; font-weight: normal; text-align: left;"><strong>But even builder-grade suburban homes can develop personality through small human touches</strong>: a garden nook where you enjoy morning coffee, a welcoming pergola over the front entry, distinctive trim, creative paint choices, or collections you&rsquo;ve curated with care.</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: 14px; font-weight: normal; text-align: left;">Personality comes from the feeling that a home wasn&rsquo;t assembled from a checklist but shaped by the people who live there.</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: 14px; font-weight: normal; text-align: left;">Buyers respond to that feeling more strongly than they expect. After a day of touring properties, the homes with character are the ones they remember&mdash;and the ones that often receive the strongest offers.</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: 14px; font-weight: normal; text-align: left;"><strong>If you&rsquo;re preparing to sell, it&rsquo;s worth thinking about what gives your home its personality and enhancing those elements. </strong>If you&rsquo;re not sure, ask others what they think gives your home character. Because you&rsquo;re not just selling a house. You&rsquo;re selling the feeling of being home.</p>
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<div style="text-align: center;"><span style="font-size: 24px;"><strong>REAL ESTATE UPDATE</strong></span></div>
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<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://fred.stlouisfed.org/series/MORTGAGE30US" target="_blank" rel="noopener"> <img class="mcnImage" style="-ms-interpolation-mode: bicubic; border: 0; height: auto; outline: none; text-decoration: none; max-width: 793px; padding-bottom: 0; vertical-align: bottom; display: inline;" src="https://mcusercontent.com/7ebd2aee68d190ade0477fae2/images/02e5e617-8ab5-514d-3d4b-8029a3d3e895.png" alt="" width="372.24" align="center" /> </a></td>
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<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: 14px; line-height: 150%; padding: 0px 18px 9px; text-align: left;" align="left" valign="top">
<h2 class="null" style="display: block; margin: 0; padding: 0; color: #202020; font-family: Verdana, Geneva, sans-serif; font-size: 20px; font-style: normal; font-weight: bold; line-height: 125%; letter-spacing: -1px; text-align: left;">The market is suddenly volatile, which can mean opportunity</h2>
For a moment there, mortgage rates dipped below 6%, which had buyers feeling hopeful for the spring market. Then geopolitics stepped in. Military action in Iran has pushed oil prices higher, reigniting inflation fears and nudging bond yields upward. <strong>Since mortgage rates follow the bond market, the rate drop didn&rsquo;t last long.&nbsp;</strong>
<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: 14px; line-height: 150%; text-align: left;"><strong>The result: </strong>a housing market that&rsquo;s still moving forward, but with one eye nervously on the news. By the time you read this, things may have changed yet again. The Fed may lower rates again at their next meeting, which can help.&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: 14px; line-height: 150%; text-align: left;"><strong><em>If you're thinking about buying, go ahead and get preapproved, even if you're not yet sure about the market. Why? Mainly because I&rsquo;ve seen time and again how someone is &ldquo;just looking,&rdquo; and then they unexpectedly &ldquo;find.&rdquo; Having a loan pre-approval in hand makes it more likely you&rsquo;ll be able to buy that home.&nbsp;</em></strong></p>
Call me to discuss if it's the right time to press forward with your plans. It's a day by day situation and you may want to be ready for the next opportunity.&nbsp;<strong>{OWNERFIRST:4}, {PHONE:15}</strong></td>
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<h2 class="null" style="display: block; margin: 0; padding: 0; color: #202020; font-family: Verdana, Geneva, sans-serif; font-size: 20px; font-style: normal; font-weight: bold; line-height: 125%; letter-spacing: -1px; text-align: left;">There's a new way to tap home equity&mdash;but buyer beware</h2>
There&rsquo;s a new way homeowners are tapping into their equity &mdash; and at first glance, it sounds almost too good to be true. You receive a lump sum of cash today, make no monthly payments, and pay no traditional interest. In exchange, an investor receives a percentage of your home&rsquo;s future value when you sell or refinance.
<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: 14px; font-weight: normal; text-align: left;">These arrangements are often called home equity agreements or shared equity agreements. They appeal to homeowners who are equity-rich but cash-poor, don&rsquo;t want to refinance into a higher rate, may not qualify for a HELOC, or simply want to avoid another monthly payment.</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: 14px; font-weight: normal; text-align: left;">But beware. While the cost isn&rsquo;t paid monthly, it can be substantial later. If your home rises significantly in value over the next 5&ndash;10 years, the investor&rsquo;s share rises with it. What feels like a fair trade today may look very different when it&rsquo;s time to settle.</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: 14px; font-weight: normal; text-align: left;">That doesn&rsquo;t make these agreements automatically bad. It just makes them complicated. And complicated financial tools deserve careful math and clear advice before signing. Before trading a piece of your home away, ask whether short-term relief is worth the long-term cost &mdash; and speak with a qualified financial expert or mortgage professional first.</p>
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<h2 class="null" style="display: block; margin: 0; padding: 0; color: #202020; font-family: Verdana, Geneva, sans-serif; font-size: 20px; font-style: normal; font-weight: bold; line-height: 125%; letter-spacing: -1px; text-align: center;"><br /> <strong>APRIL 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%; color: #202020; font-family: Helvetica; font-size: 14px; line-height: 150%; text-align: center; font-style: normal; font-weight: normal;"><span style="font-size: 16px;"><em>What belongs to you but is used more by others? </em></span></p>
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<table class="mcnButtonContentContainer" style="mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; border-radius: 23px; background-color: #9d6f0b; border-collapse: separate;" border="0" width="100%" cellspacing="0" cellpadding="0" bgcolor="#9D6F0B">
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<td class="mcnButtonContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; font-family: Arial; font-size: 16px; padding: 13px;" align="center" valign="middle"><a class="mcnButton " style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; display: block; font-weight: bold; letter-spacing: normal; line-height: 100%; text-align: center; text-decoration: none; color: #ffffff;" title="Send your answer now!" href="mailto:{EMAIL:16}?subject=My%20April%20Quiz%20Answer" target="_blank" rel="noopener">Send your answer now!</a></td>
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<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">
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<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; text-align: center; padding: 0px 18px 9px; font-size: 13px; line-height: 100%;" align="center" valign="top"><span style="font-size: 12px;"><strong>Send your answer for a chance to win a $5 coffee card!</strong>&nbsp;<strong>Last month's Q&amp;A:</strong> <em>George and Lee drink coffee. Susan and Don drink soda. Using logic to decide, is Selena more likely to drink coffee or soda? Coffee, because her name has two e's.&nbsp;</em><span style="color: #b22222;"><strong>Congratulations to last month's winner!</strong></span></span></td>
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<td style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">&nbsp;</td>
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<div style="text-align: center;"><span style="font-size: 24px;"><strong>APRIL BRAIN SNACKS&nbsp;</strong></span></div>
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<h3 class="null" style="display: block; margin: 0; padding: 0; color: #2f82c2; font-family: Verdana, Geneva, sans-serif; font-size: 16px; font-style: normal; font-weight: bold; line-height: 125%; letter-spacing: normal; text-align: left;">Faberge Easter eggs are fabulous</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: 14px; line-height: 150%; text-align: left;">Decorated eggs have long been&nbsp;a meaningful spring and Easter symbol in Eastern Europe. In Ukraine, Poland, and Russia, people saved up eggs over lent, then carefully decorated them with dyes, wax patterns, and symbolic designs to give as gifts. These eggs represented new life, good fortune, and protection for the household.&nbsp;By the 1800s in imperial Russia, this tradition took a much more extravagant turn.</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: 14px; line-height: 150%; text-align: left;">The Russian royal family already exchanged decorated Easter eggs, but in 1885 Tsar Alexander III commissioned the jeweler Peter Carl Faberg&eacute; to create a special Easter egg for his wife. Instead of a dyed shell, Faberg&eacute; crafted an elaborate egg from gold and enamel, with a surprise hidden inside.</p>
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<h3 style="display: block; margin: 0; padding: 0; color: #2f82c2; font-family: Verdana, Geneva, sans-serif; font-size: 16px; font-style: normal; font-weight: bold; line-height: 125%; letter-spacing: normal; text-align: left;">A prompt that makes your AI smarter</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: 14px; line-height: 150%; text-align: left;">I came across an interesting trick for getting better answers from AI. It&rsquo;s called the <strong>glitch prompt.</strong> After the AI gives its response, you insert the prompt, which gets it to look&nbsp;for mistakes, missing steps, weak assumptions, or things it made up. Then it rewrites the answer and gives a confidence score. The glitch prompt forces it into <strong>self-check mode</strong>, which often improves the result, especially with ChatGPT. Here&rsquo;s the exact prompt: <em>&ldquo;Pause &mdash; I think there may be a glitch. Review your previous answer for: mistakes, missing steps, unsupported assumptions and invented details. Then rewrite the answer more carefully and give a confidence rating from 1&ndash;10.&rdquo;</em></p>
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<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: 14px; line-height: 150%; text-align: left;" align="left" valign="top">
<h3 class="null" style="display: block; margin: 0; padding: 0; color: #2f82c2; font-family: Verdana, Geneva, sans-serif; font-size: 16px; font-style: normal; font-weight: bold; line-height: 125%; letter-spacing: normal; text-align: left;">Time for Mother Earth Day</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: 14px; line-height: 150%; text-align: left;">Earth Day is observed in 190 countries on April 22. With so many distractions in the world today, it&rsquo;s important to remember we only have this one planet to work with. Earth Day began in the US at a time when rivers were catching fire, cities were blanketed in smog, and pollution was rampant.&nbsp;On April 22, 1970, about 20 million Americans participated in rallies and cleanups, helping push environmental issues into the political mainstream. Today, we&rsquo;re reminded that pollution controls give us clean air, water, and food. And, yes, those controls must somehow be balanced against economic needs.</p>
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<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: 14px; line-height: 150%; font-style: normal; font-weight: normal; text-align: left;" align="left" valign="top">
<h3 class="null" style="display: block; margin: 0; padding: 0; color: #2f82c2; font-family: Verdana, Geneva, sans-serif; font-size: 16px; font-style: normal; font-weight: bold; line-height: 125%; letter-spacing: normal; text-align: left;">The story of soap</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: 14px; line-height: 150%; font-style: normal; font-weight: normal; text-align: left;">Soap is an everyday thing&nbsp;we rarely think about. But its origin story is surprisingly gritty. Historians trace soap back about 4,000 years. Early versions were mixtures of animal fat and wood ash discovered when cooking fires mixed grease and ash. The ash provided alkaline salts, the fat provided oils, and the result was a primitive cleaning substance. Not exactly soap but getting there.</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: 14px; line-height: 150%; font-style: normal; font-weight: normal; text-align: left;">There's a story about the name of soap coming from the drainage of animal fat from sacrifices at the top of Mt. Sapo, giving the substance the name soap. But since there's never been a Mt. Sapo, the story is considered a myth. Eventually, soap makers discovered they could use plant oils instead. In medieval Spain, Castile soap was made from olive oil instead of animal fat, creating a milder soap that became popular across Europe.</p>
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<td style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">&nbsp;</td>
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<div style="text-align: center;"><span style="font-size: 24px;"><strong>JUST FOR FUN!</strong></span></div>
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<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: 14px; line-height: 150%; text-align: center; padding: 0 18px 9px 18px;" align="center" valign="top">
<h3 style="display: block; margin: 0; padding: 0; color: #2f82c2; font-family: Verdana, Geneva, sans-serif; font-size: 16px; font-style: normal; font-weight: bold; line-height: 125%; letter-spacing: normal; text-align: left;">New Growth Word Search</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: 14px; 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: #2f82c2; font-weight: bold; text-decoration: none;" href="https://members.fastnewsletters.com/word-search-march-1-found-while-spring-cleaning/" target="_blank" rel="noopener">Just click to play now</a><a style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #2f82c2; font-weight: bold; text-decoration: none;" href="https://members.fastnewsletters.com/word-search-april-1-new-growth/" target="_blank" rel="noopener">!</a></p>
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<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/word-search-april-2-gardening/" 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/cfad2305-f792-04c8-4c27-7a5c15b1678d.png" alt="" width="564" align="center" /> </a></td>
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<td style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><a style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #2f82c2; font-weight: bold; text-decoration: none;" href="{FACEBOOK:32}"><img style="-ms-interpolation-mode: bicubic; outline: none; text-decoration: none; border: 0px; width: 24px; margin: 1px; height: auto;" src="https://mcusercontent.com/d176f34dd6765bd83c9030617/images/62b95258-68ec-f349-c31b-7e9d357e57d6.png" width="24" height="24" align="center" data-file-id="6461156" /></a>&nbsp; <a style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #2f82c2; font-weight: bold; text-decoration: none;" href="{TWITTER:35}"> <img style="-ms-interpolation-mode: bicubic; outline: none; text-decoration: none; border: 0px initial; width: 24px; margin: 1px; height: auto;" src="https://mcusercontent.com/d176f34dd6765bd83c9030617/images/6abc2b7b-40b9-b93f-b1c2-c605fc88fb1a.png" width="24" height="24" align="center" data-file-id="6748048" /></a>&nbsp; <a style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #2f82c2; font-weight: bold; text-decoration: none;" href="{INSTAGRAM:34}"> <img style="-ms-interpolation-mode: bicubic; outline: none; text-decoration: none; border: 0px; width: 24px; margin: 1px; height: auto;" src="https://mcusercontent.com/d176f34dd6765bd83c9030617/images/4b1fcd3c-2c8a-791f-1f46-901453a37455.png" width="24" height="24" align="center" data-file-id="6275825" /></a>&nbsp;&nbsp;<a style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #2f82c2; font-weight: bold; text-decoration: none;" href="{LINKEDIN:33}"><img style="-ms-interpolation-mode: bicubic; outline: none; text-decoration: none; border: 0px; width: 24px; margin: 1px; height: auto;" src="https://mcusercontent.com/d176f34dd6765bd83c9030617/images/b9df5a94-c51b-4522-48b1-3d7322690601.png" width="24" height="24" align="center" data-file-id="6275829" /></a>&nbsp; <a style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #2f82c2; font-weight: bold; text-decoration: none;" href="{YOUTUBE:36}"><img style="-ms-interpolation-mode: bicubic; outline: none; text-decoration: none; border: 0px; width: 24px; margin: 1px; height: auto;" src="https://mcusercontent.com/d176f34dd6765bd83c9030617/images/fa05d76c-91d6-1cd7-7bb2-6b6d3c200ee6.png" width="24" height="24" align="center" data-file-id="6275837" /></a></td>
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<td style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">&nbsp;&nbsp;</td>
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<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: 14px; line-height: 150%; text-align: left;"><strong>{OWNERFIRST:4} {OWNERLAST:11}<br /> {PHONE:15}<br /> <em>{COMPANY:17}</em></strong></p>
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CANADA VERSION

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<div style="text-align: center;"><em>"Dreams come in a size too big so that we may grow into them."</em> &mdash;&nbsp;<strong data-sfc-cb="">Josie Bisse</strong><br /> <strong><a style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #656565; font-weight: bold; text-decoration: none;" href="{WEBSITE:14}" target="_blank" rel="noopener">FIND A HOME</a>&nbsp;&nbsp;<span style="font-size: 18px;">|&nbsp;</span>&nbsp;<a style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #656565; font-weight: bold; text-decoration: none;" href="{ABOUT:31}" target="_blank" rel="noopener">ABOUT</a>&nbsp; <span style="font-size: 18px;">|</span>&nbsp; <a style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #656565; font-weight: bold; text-decoration: none;" href="mailto:{EMAIL:16}?subject=I'd%20like%20to%20set%20an%20appointment&amp;body=%3CPlease%20include%20details%20about%20what%20you'd%20like%20to%20discuss.%20(You%20can%20also%20call%20or%20text%20me%20now.)%3E" target="_blank" rel="noopener">APPOINTMENT</a></strong></div>
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<h2 class="null" style="display: block; margin: 0; padding: 0; color: #202020; font-family: Verdana, Geneva, sans-serif; font-size: 20px; font-style: normal; font-weight: bold; line-height: 125%; letter-spacing: -1px; text-align: center;">In this Month's Issue...</h2>
<div style="text-align: center;">What gives a house charisma?<br /> <strong>Rates popped up again; war jitters</strong><br /> A new way to tap home equity&mdash;but buyer beware!<br /> A long history of Easter eggs<br /> Improve AI responses with this 'glitch prompt'<br /> <strong>Earth Day, April 22</strong><br /> The gritty history of soap<br /> April Word Search Puzzle</div>
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<td class="mcnImageCardBottomImageContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 0px 0px 0 0px;" align="left" valign="top"><a class="" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" title="" href="https://mcusercontent.com/7ebd2aee68d190ade0477fae2/images/312ae780-a686-abb5-6e3d-3f99c96c8937.png" target="_blank" rel="noopener"> <img class="mcnImage" style="-ms-interpolation-mode: bicubic; border: 0; height: auto; outline: none; text-decoration: none; vertical-align: bottom; max-width: 620px; border-radius: 0%;" src="https://mcusercontent.com/7ebd2aee68d190ade0477fae2/images/8d3abad7-cdcf-6e67-d250-6cd33533316b.png" alt="" width="564" /> </a></td>
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<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: 9px 18px; color: #000000; font-family: Helvetica; font-size: 14px; font-weight: normal; text-align: left;" align="left" valign="top" width="546">Have you ever noticed that some houses seem to ooze more personality than others? What makes that happen?
<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: 14px; font-weight: normal; text-align: left;"><strong>A good architect can design personality into a home from the start. </strong>Famous houses like Fallingwater and the Yerevan House (above) have a natural presence that makes them unforgettable.</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: 14px; font-weight: normal; text-align: left;"><strong>But even builder-grade suburban homes can develop personality through small human touches</strong>: a garden nook where you enjoy morning coffee, a welcoming pergola over the front entry, distinctive trim, creative paint choices, or collections you&rsquo;ve curated with care.</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: 14px; font-weight: normal; text-align: left;">Personality comes from the feeling that a home wasn&rsquo;t assembled from a checklist but shaped by the people who live there.</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: 14px; font-weight: normal; text-align: left;">Buyers respond to that feeling more strongly than they expect. After a day of touring properties, the homes with character are the ones they remember&mdash;and the ones that often receive the strongest offers.</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: 14px; font-weight: normal; text-align: left;"><strong>If you&rsquo;re preparing to sell, it&rsquo;s worth thinking about what gives your home its personality and enhancing those elements. </strong>If you&rsquo;re not sure, ask others what they think gives your home character. Because you&rsquo;re not just selling a house. You&rsquo;re selling the feeling of being home.</p>
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<div style="text-align: center;"><span style="font-size: 24px;"><strong>REAL ESTATE UPDATE</strong></span></div>
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<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://www.bankofcanada.ca/rates/banking-and-financial-statistics/posted-interest-rates-offered-by-chartered-banks/" target="_blank" rel="noopener"> <img class="mcnImage" style="-ms-interpolation-mode: bicubic; border: 0; height: auto; outline: none; text-decoration: none; max-width: 793px; padding-bottom: 0; vertical-align: bottom; display: inline;" src="https://mcusercontent.com/7ebd2aee68d190ade0477fae2/images/02e5e617-8ab5-514d-3d4b-8029a3d3e895.png" alt="" width="372.24" align="center" /> </a></td>
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<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">
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<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: 14px; line-height: 150%; padding: 0px 18px 9px; text-align: left;" align="left" valign="top">
<h2 class="null" style="display: block; margin: 0; padding: 0; color: #202020; font-family: Verdana, Geneva, sans-serif; font-size: 20px; font-style: normal; font-weight: bold; line-height: 125%; letter-spacing: -1px; text-align: left;">Real estate today is what we call a "normal" market</h2>
Canada&rsquo;s housing market is trying to stabilize after a soft 2025. Prices have been drifting lower for months, with the national benchmark down roughly 5% year-over-year as higher borrowing costs cooled demand.&nbsp;
<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: 14px; line-height: 150%; text-align: left;">Inventory has risen enough to give buyers more negotiating power, though sales are expected to recover gradually in 2026. In short: the market isn&rsquo;t crashing, but the frenzy is gone and conditions are slowly normalizing. <strong>Let me know how I can help you&nbsp;this spring.&nbsp;</strong>&nbsp;<strong>{OWNERFIRST:4}, {PHONE:15}</strong></p>
<h3 class="null" style="display: block; margin: 0; padding: 0; color: #2f82c2; font-family: Verdana, Geneva, sans-serif; font-size: 16px; font-style: normal; font-weight: bold; line-height: 125%; letter-spacing: normal; text-align: left;"><strong>Here's a quick provincial snapshot:</strong></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: 14px; line-height: 150%; text-align: left;">● British Columbia &ndash; Prices are declining and buyers regaining leverage.<br /> ● Alberta &ndash; Population growth and migration are driving demand.<br /> ● Saskatchewan &ndash; Quiet but stable; modest growth expected.<br /> ● Manitoba &ndash; Balanced market with moderate price gains in some cities.<br /> ● Ontario &ndash; High inventory and declining prices.<br /> ● Quebec &ndash; Strong performance recently, with solid price growth.<br /> ● New Brunswick &ndash; Smaller market but relatively steady demand from migration.<br /> ● Nova Scotia &ndash; Stable but slowing after the pandemic surge in Atlantic demand.<br /> ● Newfoundland &amp; Labrador &ndash; Affordable market seeing modest price gains.</p>
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<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: 14px; font-weight: normal; text-align: left;" align="left" valign="top">
<h2 class="null" style="display: block; margin: 0; padding: 0; color: #202020; font-family: Verdana, Geneva, sans-serif; font-size: 20px; font-style: normal; font-weight: bold; line-height: 125%; letter-spacing: -1px; text-align: left;">There's a new way to tap home equity&mdash;but buyer beware</h2>
There&rsquo;s a new way homeowners are tapping into their equity &mdash; and at first glance, it sounds almost too good to be true. You receive a lump sum of cash today, make no monthly payments, and pay no traditional interest. In exchange, an investor receives a percentage of your home&rsquo;s future value when you sell or refinance.
<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: 14px; font-weight: normal; text-align: left;">These arrangements are often called home equity agreements or shared equity agreements. They appeal to homeowners who are equity-rich but cash-poor, don&rsquo;t want to refinance into a higher rate, may not qualify for a HELOC, or simply want to avoid another monthly payment.</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: 14px; font-weight: normal; text-align: left;">But beware. While the cost isn&rsquo;t paid monthly, it can be substantial later. If your home rises significantly in value over the next 5&ndash;10 years, the investor&rsquo;s share rises with it. What feels like a fair trade today may look very different when it&rsquo;s time to settle.</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: 14px; font-weight: normal; text-align: left;">That doesn&rsquo;t make these agreements automatically bad. It just makes them complicated. And complicated financial tools deserve careful math and clear advice before signing. Before trading a piece of your home away, ask whether short-term relief is worth the long-term cost &mdash; and speak with a qualified financial expert or mortgage professional first.</p>
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<h2 class="null" style="display: block; margin: 0; padding: 0; color: #202020; font-family: Verdana, Geneva, sans-serif; font-size: 20px; font-style: normal; font-weight: bold; line-height: 125%; letter-spacing: -1px; text-align: center;"><br /> <strong>APRIL 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%; color: #202020; font-family: Helvetica; font-size: 14px; line-height: 150%; text-align: center; font-style: normal; font-weight: normal;"><span style="font-size: 16px;"><em>What belongs to you but is used more by others? </em></span></p>
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<td class="mcnButtonContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; font-family: Arial; font-size: 16px; padding: 13px;" align="center" valign="middle"><a class="mcnButton " style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; display: block; font-weight: bold; letter-spacing: normal; line-height: 100%; text-align: center; text-decoration: none; color: #ffffff;" title="Send your answer now!" href="mailto:{EMAIL:16}?subject=My%20April%20Quiz%20Answer" target="_blank" rel="noopener">Send your answer now!</a></td>
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<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; text-align: center; padding: 0px 18px 9px; font-size: 13px; line-height: 100%;" align="center" valign="top"><span style="font-size: 12px;"><strong>Send your answer for a chance to win a $5 coffee card!</strong>&nbsp;<strong>Last month's Q&amp;A:</strong> <em>George and Lee drink coffee. Susan and Don drink soda. Using logic to decide, is Selena more likely to drink coffee or soda? Coffee, because her name has two e's.&nbsp;</em><span style="color: #b22222;"><strong>Congratulations to last month's winner!</strong></span></span></td>
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<div style="text-align: center;"><span style="font-size: 24px;"><strong>APRIL BRAIN SNACKS&nbsp;</strong></span></div>
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<h3 class="null" style="display: block; margin: 0; padding: 0; color: #2f82c2; font-family: Verdana, Geneva, sans-serif; font-size: 16px; font-style: normal; font-weight: bold; line-height: 125%; letter-spacing: normal; text-align: left;">Faberge Easter eggs are fabulous</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: 14px; line-height: 150%; text-align: left;">Decorated eggs have long been&nbsp;a meaningful spring and Easter symbol in Eastern Europe. In Ukraine, Poland, and Russia, people saved up eggs over lent, then carefully decorated them with dyes, wax patterns, and symbolic designs to give as gifts. These eggs represented new life, good fortune, and protection for the household.&nbsp;By the 1800s in imperial Russia, this tradition took a much more extravagant turn.</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: 14px; line-height: 150%; text-align: left;">The Russian royal family already exchanged decorated Easter eggs, but in 1885 Tsar Alexander III commissioned the jeweler Peter Carl Faberg&eacute; to create a special Easter egg for his wife. Instead of a dyed shell, Faberg&eacute; crafted an elaborate egg from gold and enamel, with a surprise hidden inside.</p>
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<h3 style="display: block; margin: 0; padding: 0; color: #2f82c2; font-family: Verdana, Geneva, sans-serif; font-size: 16px; font-style: normal; font-weight: bold; line-height: 125%; letter-spacing: normal; text-align: left;">A prompt that makes your AI smarter</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: 14px; line-height: 150%; text-align: left;">I came across an interesting trick for getting better answers from AI. It&rsquo;s called the <strong>glitch prompt.</strong> After the AI gives its response, you insert the prompt, which gets it to look&nbsp;for mistakes, missing steps, weak assumptions, or things it made up. Then it rewrites the answer and gives a confidence score. The glitch prompt forces it into <strong>self-check mode</strong>, which often improves the result, especially with ChatGPT. Here&rsquo;s the exact prompt: <em>&ldquo;Pause &mdash; I think there may be a glitch. Review your previous answer for: mistakes, missing steps, unsupported assumptions and invented details. Then rewrite the answer more carefully and give a confidence rating from 1&ndash;10.&rdquo;</em></p>
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<h3 class="null" style="display: block; margin: 0; padding: 0; color: #2f82c2; font-family: Verdana, Geneva, sans-serif; font-size: 16px; font-style: normal; font-weight: bold; line-height: 125%; letter-spacing: normal; text-align: left;">Time for Mother Earth Day</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: 14px; line-height: 150%; text-align: left;">Earth Day is observed in 190 countries on April 22. With so many distractions in the world today, it&rsquo;s important to remember we only have this one planet to work with. Earth Day began in the US at a time when rivers were catching fire, cities were blanketed in smog, and pollution was rampant.&nbsp;On April 22, 1970, about 20 million Americans participated in rallies and cleanups, helping push environmental issues into the political mainstream. Today, we&rsquo;re reminded that pollution controls give us clean air, water, and food. And, yes, those controls must somehow be balanced against economic needs.</p>
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<h3 class="null" style="display: block; margin: 0; padding: 0; color: #2f82c2; font-family: Verdana, Geneva, sans-serif; font-size: 16px; font-style: normal; font-weight: bold; line-height: 125%; letter-spacing: normal; text-align: left;">The story of soap</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: 14px; line-height: 150%; font-style: normal; font-weight: normal; text-align: left;">Soap is an everyday thing&nbsp;we rarely think about. But its origin story is surprisingly gritty. Historians trace soap back about 4,000 years. Early versions were mixtures of animal fat and wood ash discovered when cooking fires mixed grease and ash. The ash provided alkaline salts, the fat provided oils, and the result was a primitive cleaning substance. Not exactly soap but getting there.</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: 14px; line-height: 150%; font-style: normal; font-weight: normal; text-align: left;">There's a story about the name of soap coming from the drainage of animal fat from sacrifices at the top of Mt. Sapo, giving the substance the name soap. But since there's never been a Mt. Sapo, the story is considered a myth. Eventually, soap makers discovered they could use plant oils instead. In medieval Spain, Castile soap was made from olive oil instead of animal fat, creating a milder soap that became popular across Europe.</p>
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<td style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">&nbsp;</td>
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<div style="text-align: center;"><span style="font-size: 24px;"><strong>JUST FOR FUN!</strong></span></div>
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<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: 14px; line-height: 150%; text-align: center; padding: 0 18px 9px 18px;" align="center" valign="top">
<h3 style="display: block; margin: 0; padding: 0; color: #2f82c2; font-family: Verdana, Geneva, sans-serif; font-size: 16px; font-style: normal; font-weight: bold; line-height: 125%; letter-spacing: normal; text-align: left;">New Growth Word Search</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: 14px; 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: #2f82c2; font-weight: bold; text-decoration: none;" href="https://members.fastnewsletters.com/word-search-march-1-found-while-spring-cleaning/" target="_blank" rel="noopener">Just click to play now</a><a style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #2f82c2; font-weight: bold; text-decoration: none;" href="https://members.fastnewsletters.com/word-search-april-1-new-growth/" target="_blank" rel="noopener">!</a></p>
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<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/word-search-april-2-gardening/" 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/cfad2305-f792-04c8-4c27-7a5c15b1678d.png" alt="" width="564" align="center" /> </a></td>
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<td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top">
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<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: 14px; line-height: 150%; padding: 0px 18px 9px; text-align: left;" align="left" valign="top">
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<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>
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