HTML
Click the yellow COPY TO CLIPBOARD icon in the window below. Paste the HTML into your target <>, </>, SOURCE. See CRM Pasting Instructions for details about your CRM.
USA VERSION
<html xmlns="http://www.w3.org/1999/xhtml" xmlns:v="urn:schemas-microsoft-com:vml" xmlns:o="urn:schemas-microsoft-com:office:office">
<head>
<!-- NAME: 1:3 COLUMN - FULL WIDTH -->
<!--[if gte mso 15]>
<xml>
<o:OfficeDocumentSettings>
<o:AllowPNG/>
<o:PixelsPerInch>96</o:PixelsPerInch>
</o:OfficeDocumentSettings>
</xml>
<![endif]-->
<meta charset="UTF-8">
<meta http-equiv="X-UA-Compatible" content="IE=edge">
<meta name="viewport" content="width=device-width, initial-scale=1">
<style type="text/css">
@media only screen and (min-width:768px) {
.templateContainer {
width: 600px !important;
}
}
@media only screen and (max-width: 480px) {
body,
table,
td,
p,
a,
li,
blockquote {
-webkit-text-size-adjust: none !important;
}
}
@media only screen and (max-width: 480px) {
body {
width: 100% !important;
min-width: 100% !important;
}
}
@media only screen and (max-width: 480px) {
.columnWrapper {
max-width: 100% !important;
width: 100% !important;
}
}
@media only screen and (max-width: 480px) {
.mcnRetinaImage {
max-width: 100% !important;
}
}
@media only screen and (max-width: 480px) {
.mcnImage {
width: 100% !important;
}
}
@media only screen and (max-width: 480px) {
.mcnCartContainer,
.mcnCaptionTopContent,
.mcnRecContentContainer,
.mcnCaptionBottomContent,
.mcnTextContentContainer,
.mcnBoxedTextContentContainer,
.mcnImageGroupContentContainer,
.mcnCaptionLeftTextContentContainer,
.mcnCaptionRightTextContentContainer,
.mcnCaptionLeftImageContentContainer,
.mcnCaptionRightImageContentContainer,
.mcnImageCardLeftTextContentContainer,
.mcnImageCardRightTextContentContainer,
.mcnImageCardLeftImageContentContainer,
.mcnImageCardRightImageContentContainer {
max-width: 100% !important;
width: 100% !important;
}
}
@media only screen and (max-width: 480px) {
.mcnBoxedTextContentContainer {
min-width: 100% !important;
}
}
@media only screen and (max-width: 480px) {
.mcnImageGroupContent {
padding: 9px !important;
}
}
@media only screen and (max-width: 480px) {
.mcnCaptionLeftContentOuter .mcnTextContent,
.mcnCaptionRightContentOuter .mcnTextContent {
padding-top: 9px !important;
}
}
@media only screen and (max-width: 480px) {
.mcnImageCardTopImageContent,
.mcnCaptionBottomContent:last-child .mcnCaptionBottomImageContent,
.mcnCaptionBlockInner .mcnCaptionTopContent:last-child .mcnTextContent {
padding-top: 18px !important;
}
}
@media only screen and (max-width: 480px) {
.mcnImageCardBottomImageContent {
padding-bottom: 9px !important;
}
}
@media only screen and (max-width: 480px) {
.mcnImageGroupBlockInner {
padding-top: 0 !important;
padding-bottom: 0 !important;
}
}
@media only screen and (max-width: 480px) {
.mcnImageGroupBlockOuter {
padding-top: 9px !important;
padding-bottom: 9px !important;
}
}
@media only screen and (max-width: 480px) {
.mcnTextContent,
.mcnBoxedTextContentColumn {
padding-right: 18px !important;
padding-left: 18px !important;
}
}
@media only screen and (max-width: 480px) {
.mcnImageCardLeftImageContent,
.mcnImageCardRightImageContent {
padding-right: 18px !important;
padding-bottom: 0 !important;
padding-left: 18px !important;
}
}
@media only screen and (max-width: 480px) {
.mcpreview-image-uploader {
display: none !important;
width: 100% !important;
}
}
@media only screen and (max-width: 480px) {
h1 {
font-size: 22px !important;
line-height: 125% !important;
}
}
@media only screen and (max-width: 480px) {
h2 {
font-size: 20px !important;
line-height: 125% !important;
}
}
@media only screen and (max-width: 480px) {
h3 {
font-size: 18px !important;
line-height: 125% !important;
}
}
@media only screen and (max-width: 480px) {
h4 {
font-size: 16px !important;
line-height: 150% !important;
}
}
@media only screen and (max-width: 480px) {
.mcnBoxedTextContentContainer .mcnTextContent,
.mcnBoxedTextContentContainer .mcnTextContent p {
font-size: 14px !important;
line-height: 150% !important;
}
}
@media only screen and (max-width: 480px) {
#templatePreheader {
display: block !important;
}
}
@media only screen and (max-width: 480px) {
#templatePreheader .mcnTextContent,
#templatePreheader .mcnTextContent p {
font-size: 14px !important;
line-height: 150% !important;
}
}
@media only screen and (max-width: 480px) {
#templateHeader .mcnTextContent,
#templateHeader .mcnTextContent p {
font-size: 16px !important;
line-height: 150% !important;
}
}
@media only screen and (max-width: 480px) {
#templateBody .mcnTextContent,
#templateBody .mcnTextContent p {
font-size: 16px !important;
line-height: 150% !important;
}
}
@media only screen and (max-width: 480px) {
#templateColumns .columnContainer .mcnTextContent,
#templateColumns .columnContainer .mcnTextContent p {
font-size: 16px !important;
line-height: 150% !important;
}
}
@media only screen and (max-width: 480px) {
#templateFooter .mcnTextContent,
#templateFooter .mcnTextContent p {
font-size: 14px !important;
line-height: 150% !important;
}
}
</style></head>
<body style="height: 100%; margin: 0; padding: 0; width: 100%; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; background-color: #f3f4f5;">
<center>
<table align="center" border="0" cellpadding="0" cellspacing="0" height="100%" width="100%" 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: #f3f4f5;" bgcolor="#f3f4f5">
<tr>
<td align="center" valign="top" 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;" width="100%" height="100%">
<!-- BEGIN TEMPLATE // -->
<table border="0" cellpadding="0" cellspacing="0" width="100%" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">
<tr>
<td align="center" valign="top" id="templatePreheader" 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: 8px; padding-bottom: 8px;" bgcolor="#ffffff" background="none">
<!--[if (gte mso 9)|(IE)]>
<table align="center" border="0" cellspacing="0" cellpadding="0" width="600" style="width:600px;">
<tr>
<td align="center" valign="top" width="600" style="width:600px;">
<![endif]-->
<table align="center" border="0" cellpadding="0" cellspacing="0" width="100%" 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;">
<tr>
<td valign="top" class="preheaderContainer" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><table border="0" cellpadding="0" cellspacing="0" width="100%" 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%;">
<tbody class="mcnTextBlockOuter">
<tr>
<td valign="top" class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;">
<!--[if mso]>
<table align="left" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100%;">
<tr>
<![endif]-->
<!--[if mso]>
<td valign="top" width="599" style="width:599px;">
<![endif]-->
<table align="left" border="0" cellpadding="0" cellspacing="0" 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%;" width="100%" class="mcnTextContentContainer">
<tbody><tr>
<td valign="top" 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; line-height: 150%; padding: 0px 18px 9px; text-align: center;" align="center">
<em>‘The more grateful I am, the more beauty I see.’ </em>– Mary Davis<br>
<strong><a href="{WEBSITE:14}" target="_blank" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #656565; font-weight: bold; text-decoration: none;">FIND A HOME</a> <span style="font-size:18px">| </span> <a href="{ABOUT:31}" target="_blank" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #656565; font-weight: bold; text-decoration: none;">ABOUT</a> <span style="font-size:18px">|</span> <a href="mailto:{EMAIL:16}?subject=I'd%20like%20to%20set%20an%20appointment&body=%3CPlease%20include%20details%20about%20what%20you'd%20like%20to%20discuss.%20(You%20can%20also%20call%20or%20text%20me%20now.)%3E" target="_blank" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #656565; font-weight: bold; text-decoration: none;">APPOINTMENT</a></strong>
</td>
</tr>
</tbody></table>
<!--[if mso]>
</td>
<![endif]-->
<!--[if mso]>
</tr>
</table>
<![endif]-->
</td>
</tr>
</tbody>
</table></td>
</tr>
</table>
<!--[if (gte mso 9)|(IE)]>
</td>
</tr>
</table>
<![endif]-->
</td>
</tr>
<tr>
<td align="center" valign="top" 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: 6px; padding-bottom: 6px;" bgcolor="#f3f4f5" background="none">
<!--[if (gte mso 9)|(IE)]>
<table align="center" border="0" cellspacing="0" cellpadding="0" width="600" style="width:600px;">
<tr>
<td align="center" valign="top" width="600" style="width:600px;">
<![endif]-->
<table align="center" border="0" cellpadding="0" cellspacing="0" width="100%" 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;">
<tr>
<td valign="top" class="headerContainer" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><table border="0" cellpadding="0" cellspacing="0" width="100%" 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%;">
<tbody class="mcnTextBlockOuter">
<tr>
<td valign="top" class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;">
<!--[if mso]>
<table align="left" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100%;">
<tr>
<![endif]-->
<!--[if mso]>
<td valign="top" width="600" style="width:600px;">
<![endif]-->
<table align="left" border="0" cellpadding="0" cellspacing="0" 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%;" width="100%" class="mcnTextContentContainer">
<tbody><tr>
<td valign="top" 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; padding-top: 0; padding-right: 18px; padding-bottom: 9px; padding-left: 18px;" align="left">
<!-- BEGIN: Responsive 3-col header with logo hidden on mobile -->
<table border="0" cellpadding="0" cellspacing="0" role="presentation" 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;" width="100%">
<tbody>
<tr>
<td style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 0; margin: 0;"><!--[if mso]>
<table role="presentation" cellpadding="0" cellspacing="0" border="0" width="100%">
<tr>
<td width="120" valign="middle">
<![endif]-->
<table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">
<tbody>
<tr class="stack-row"><!-- Column 1: Owner image -->
<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"><img align="right" alt="{OWNERFIRST:4}" class="mcnImage" src="{OWNERIMG:12}" 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;" width="105"></td>
<!-- Spacer (hidden on mobile) -->
<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"> </td>
<!-- Column 2: Text/info -->
<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: 100%; 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}<br>
{PHONE:15}</strong><br>
<em>{COMPANY:17}</em> </span></div>
</td>
<!-- Tiny spacer (hidden on mobile) -->
<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"> </td>
<!-- Column 3: Brand logo (hidden on mobile) -->
<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;" valign="middle" align="center"><img align="center" alt="LOGO" class="mcnImage" src="{LOGO:8}" style="vertical-align: bottom; display: block; border: 0; outline: none; text-decoration: none; -ms-interpolation-mode: bicubic; max-width: 125px; height: auto;" width="125"></td>
</tr>
</tbody>
</table>
<!--[if mso]>
</td>
</tr>
</table>
<![endif]--></td>
</tr>
</tbody>
</table>
<!-- END: Responsive 3-col header -->
</td>
</tr>
</tbody></table>
<!--[if mso]>
</td>
<![endif]-->
<!--[if mso]>
</tr>
</table>
<![endif]-->
</td>
</tr>
</tbody>
</table></td>
</tr>
</table>
<!--[if (gte mso 9)|(IE)]>
</td>
</tr>
</table>
<![endif]-->
</td>
</tr>
<tr>
<td align="center" valign="top" 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: 10px; padding-bottom: 10px;" bgcolor="#ffffff" background="none">
<!--[if (gte mso 9)|(IE)]>
<table align="center" border="0" cellspacing="0" cellpadding="0" width="600" style="width:600px;">
<tr>
<td align="center" valign="top" width="600" style="width:600px;">
<![endif]-->
<table align="center" border="0" cellpadding="0" cellspacing="0" width="100%" 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;">
<tr>
<td valign="top" class="bodyContainer" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><table border="0" cellpadding="0" cellspacing="0" width="100%" 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%;">
<tbody class="mcnImageBlockOuter">
<tr>
<td valign="top" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 9px;" class="mcnImageBlockInner">
<table align="left" width="100%" border="0" cellpadding="0" cellspacing="0" 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%;">
<tbody><tr>
<td class="mcnImageContent" valign="top" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-right: 9px; padding-left: 9px; padding-top: 0; padding-bottom: 0; text-align: center;" align="center">
<img align="center" alt="" src="https://mcusercontent.com/7ebd2aee68d190ade0477fae2/images/4236a544-8d1d-e95d-5ef2-d1e78a416dd1.png" width="287.64" style="border: 0; height: auto; outline: none; text-decoration: none; -ms-interpolation-mode: bicubic; max-width: 610px; padding-bottom: 0; vertical-align: bottom; display: inline;" class="mcnImage">
</td>
</tr>
</tbody></table>
</td>
</tr>
</tbody>
</table><table border="0" cellpadding="0" cellspacing="0" width="100%" 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%;">
<tbody class="mcnTextBlockOuter">
<tr>
<td valign="top" class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;">
<!--[if mso]>
<table align="left" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100%;">
<tr>
<![endif]-->
<!--[if mso]>
<td valign="top" width="600" style="width:600px;">
<![endif]-->
<table align="left" border="0" cellpadding="0" cellspacing="0" 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%;" width="100%" class="mcnTextContentContainer">
<tbody><tr>
<td valign="top" 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; padding-top: 0; padding-right: 18px; padding-bottom: 9px; padding-left: 18px;" align="left">
<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;">We live in interesting times</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;">At this time of year, we naturally turn our thoughts to gathering with friends and family. Amid all the turmoil in the world, I’m reminded of that ironic curse: “<em>May you live in interesting times</em>.” And we certainly do. That’s why I’m more grateful than ever for real people—not <em>algorithms</em>—and real conversations, not sound bites. When we focus on the faces of those we love, we see that, in the ways that matter most, the times aren’t so different after all—they’re still full of warmth, grace, and love. I wish you a wonderful Thanksgiving focused on those you care about most! <em>~{OWNERFIRST:4}</em></p>
</td>
</tr>
</tbody></table>
<!--[if mso]>
</td>
<![endif]-->
<!--[if mso]>
</tr>
</table>
<![endif]-->
</td>
</tr>
</tbody>
</table><table border="0" cellpadding="0" cellspacing="0" width="100%" 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%;">
<!--[if gte mso 9]>
<table align="center" border="0" cellspacing="0" cellpadding="0" width="100%">
<![endif]-->
<tbody class="mcnBoxedTextBlockOuter">
<tr>
<td valign="top" class="mcnBoxedTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">
<!--[if gte mso 9]>
<td align="center" valign="top" ">
<![endif]-->
<table align="left" border="0" cellpadding="0" cellspacing="0" width="100%" 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%;" class="mcnBoxedTextContentContainer">
<tbody><tr>
<td style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px; padding-left: 18px; padding-bottom: 9px; padding-right: 18px;">
<table border="0" cellspacing="0" class="mcnTextContentContainer" width="100%" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; border: 6px dotted #E3E0D6; min-width: 100%;">
<tbody><tr>
<td valign="top" 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: #202020; font-family: Helvetica; font-size: 14px; font-weight: normal; text-align: center;" align="center">
<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;">Do you see the same green I see?<br>
Real estate update...inventory rising<br>
<strong>Should you buy a house without insurance?</strong><br>
November Quiz Question (2 truths & a lie)<br>
<em>Recipe</em>: Creamy white bean leftover turkey chili<br>
<strong>Buttering up for the holidays</strong><br>
Is that a turtle or a tortoise?<br>
Painting the 5th wall<br>
Feast & Family Word Search Puzzle</div>
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<table align="right" border="0" cellpadding="0" cellspacing="0" class="mcnImageCardTopContent" width="100%" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: right; background-color: #F4F6DF;" bgcolor="#F4F6DF">
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<td class="mcnTextContent" valign="top" 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 18px 0px; color: #202020; font-family: Helvetica; font-size: 14px; font-weight: normal; text-align: left;" width="528" align="left">
<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;">Do you see the same green I see?</h2>
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<table border="0" cellspacing="0" class="mcnTextContentContainer" width="100%" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; background-color: #F4F6DF; min-width: 100%;" bgcolor="#F4F6DF">
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<td valign="top" 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: #202020; font-family: Helvetica; font-size: 14px; font-weight: normal; text-align: left;" align="left">
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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%; line-height: 150%; color: #202020; font-family: Helvetica; font-size: 14px; font-weight: normal; text-align: left;"><em><strong>Many of us have wondered: Do we see color the same way? When I see a blue sky, do you see the same blue I do? </strong></em>A recent study suggests the answer is <em><strong>yes</strong></em>. When different people look at the same color, their brains respond in strikingly similar ways.*</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: #202020; font-family: Helvetica; font-size: 14px; font-weight: normal; text-align: left;"><strong>Our Brains "See" the Same Color</strong><br>
Using brain-imaging scans, researchers discovered that each color creates a distinctive pattern of neural activity, and those patterns are so consistent that scientists could predict what color one person was seeing based on another person’s brain data.</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: #202020; font-family: Helvetica; font-size: 14px; font-weight: normal; text-align: left;"><strong>But How Does Green Feel?</strong><br>
Still, that doesn’t solve the mystery of how color <em>feels</em> — the private inner sense of warmth, coolness, or calm that a hue can evoke.</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: #202020; font-family: Helvetica; font-size: 14px; font-weight: normal; text-align: left;">Imagine two people standing in a room painted in soft sage green. Their brains recognize the same wavelength, and the same neural pathways fire, yet one person feels happy and peaceful while the other senses a hint of melancholy sadness. The color is identical; the emotion is not. That duality...a shared external reality layered with private interpretation...might be what makes color such a powerful element of design and human connection.</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: #202020; font-family: Helvetica; font-size: 14px; font-weight: normal; text-align: left;"><strong>Something to think about next time you decide to paint the living room.</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: #202020; font-family: Helvetica; font-size: 14px; font-weight: normal; text-align: left;"><em>*Just a note to say that there are some people who are color blind or, more rarely, can't see color at all, a condition called achromatopsia.</em></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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<a href="https://fred.stlouisfed.org/series/MORTGAGE30US" title="" class="" target="_blank" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">
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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;">U.S. Real Estate Market – Fall 2025 Snapshot</h3>
<ul>
<li style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><strong>Rates:</strong> The 30-year fixed mortgage rate is hovering around 6.2%, a nice change from mid-summer's rates.</li>
<li style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><strong>Inventory:</strong> Active listings are up 28–30% year over year, with homes spending longer on the market (median 53 days). The West and South show the largest increases in supply.</li>
<li style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><strong>Prices:</strong> The national median home price sits near $410,800, mostly flat overall. The Northeast and Midwest are seeing modest price gains, while markets like Austin and Phoenix are cooling.</li>
</ul>
<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>Summary:</strong> The market’s balance is shifting — rising inventory and stable rates are easing competition, but price growth depends heavily on region and local supply.</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>Where are you?</strong> All real estate is hyper-local, so if you're wanting to sell or buy in the next few months, get in touch for a market analysis of what you can expect on your street. ~{OWNERFIRST:4}, {PHONE:15} </p>
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<img alt="" src="https://mcusercontent.com/7ebd2aee68d190ade0477fae2/images/c80e83a2-fdaf-5baa-4beb-1377d677ace0.png" width="563" style="border: 0; height: auto; outline: none; text-decoration: none; -ms-interpolation-mode: bicubic; vertical-align: bottom; max-width: 650px;" class="mcnImage">
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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;">Do you really need home insurance? Can you own a home without it?</h3>
<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: #202020; font-family: Helvetica; font-size: 14px; font-weight: normal; text-align: left;"><strong>There's no law against it</strong><br>
There’s no law that requires homeowners insurance, but mortgage lenders almost always make it a condition of the loan. If you can’t show proof of coverage, the lender will typically block closing.</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: #202020; font-family: Helvetica; font-size: 14px; font-weight: normal; text-align: left;"><strong>When can you go without insurance?</strong><br>
If you own outright, having paid cash or paid off the mortgage, you can "self-insure," accepting full financial exposure to fire, theft, storms, and liability. </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: #202020; font-family: Helvetica; font-size: 14px; font-weight: normal; text-align: left;"><strong>Pay for Damage or Pay for Insurance? </strong><br>
9 out of 10 homeowners do carry insurance, and claims are relatively few, with only a small percentage filing in a given year. Payouts range from around $13,000 to $16,000 on average. That makes it tempting if you live somewhere with very high insurance premiums to skip the coverage, save your money, and just pay for the repairs out of pocket—but that’s tempting fate. The payouts are an average...many repairs cost much more, while others cost much less—and few homeowners really save that money. Home insurance provides peace of mind as much as protection.</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: #202020; font-family: Helvetica; font-size: 14px; font-weight: normal; text-align: left;"><strong>If you're thinking about buying or selling a high-insurance property, </strong>check with homeowners who live in the area. They might have coverage suggestions. Let me know if I can help with that research. {PHONE:15}</p>
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<div><span style="font-size:18px"><span style="font-family:verdana, geneva, sans-serif"><strong>NOVEMBER QUIZ QUESTION</strong></span></span></div>
<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; text-align: center; font-style: normal; font-weight: normal; line-height: 150%;"><span style="font-size:18px"><span style="font-family:verdana, geneva, sans-serif"><span style="color:#A52A2A"><strong>2 Truths & a Lie</strong></span></span></span></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; text-align: center; font-style: normal; font-weight: normal; line-height: 150%;"><span style="font-size:16px"><strong><em>Which one of these facts is false?</em></strong></span></p>
<div style="text-align: center;">1. November was named for the nine moons of Jupiter.</div>
<div style="text-align: center;">2. November was named for the Latin word for nine. </div>
<div style="text-align: center;">3. November was named as the ninth month of the year.</div>
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<a class="mcnButton " title="Send your answer now!" href="mailto:{EMAIL:16}?subject=My%20November%20Quiz%20Answer" target="_blank" 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;">Send your answer now!</a>
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<strong>Send your answer for a chance to win a $5 coffee card!</strong> <strong>Last month's Q&A:</strong> <em><span style="color:#333366">You’re reading a 120-page book. You want to average 60 pages/hour overall. But you read the first 60 pages at 30 pages/hour. What pace must you read the last 60 pages to still average 60 pages/hour? It's impossible.</span> </em><span style="color:#B22222"><strong>Congratulations to last month's winner!</strong></span>
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<div style="text-align: center;"><span style="font-size:24px"><strong>BRAIN SNACKS & FUN FACTS</strong></span></div>
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<td valign="top" 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">
<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;">Creamy White Leftover Turkey 'Chili'</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;">Here's a tangy, flavorful dish to make use of your turkey leftovers. It's incredibly easy to make, freezes well if you want to make more, and your family will thank you effusively! Made with olive oil, cumin, coriander, green chilis and more! Print it out, make it, thank me later. <strong><a href="https://mcusercontent.com/7ebd2aee68d190ade0477fae2/images/d7423077-8620-6ac6-07ed-61a18975b8a6.png" target="_blank" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #2f82c2; font-weight: normal; text-decoration: none;">GREEN CHILI RECIPE</a></strong></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;">Buttering you up for the holidays</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;">With the holidays coming, butter’s about to earn its keep—melting, mashing, and baking its way into everything delicious. But before you leave that stick on the counter, Land O’Lakes (butter maker) says, <strong>don’t do it</strong>! If you won’t use it within a few hours, keep it in the fridge. Health experts agree: "Modified or unsalted butter should be refrigerated to avoid going rancid." Butter should be stored in the coldest part of the fridge or frozen and kept in the original packaging to avoid absorbing odors. To soften frozen butter quickly, grate it at room temp. </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;">Is that a turtle or a tortoise?</h3>
<p data-end="524" data-start="91" 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;">Is that red-eared slider you had as a kid a tortoise or a turtle? If you said turtle, you're right. Turtles are built with flat, streamlined shells and webbed feet and spend most of their lives in water. Tortoises are land lovers with domed shells and sturdy, elephant-like legs. Turtles eat a mix of plants and meat, while tortoises stick to greens. If you’re thinking about one as a pet, turtles need tanks, filters, and cleanings. Tortoises are easier to house, but live longer (often decades) and need warm, dry space to roam.</p>
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<td valign="top" 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">
<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;">Painting the 5th Wall (the Ceiling)</h3>
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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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<em>‘The more grateful I am, the more beauty I see.’ </em>– Mary Davis<br>
<strong><a href="{WEBSITE:14}" target="_blank" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #656565; font-weight: bold; text-decoration: none;">FIND A HOME</a> <span style="font-size:18px">| </span> <a href="{ABOUT:31}" target="_blank" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #656565; font-weight: bold; text-decoration: none;">ABOUT</a> <span style="font-size:18px">|</span> <a href="mailto:{EMAIL:16}?subject=I'd%20like%20to%20set%20an%20appointment&body=%3CPlease%20include%20details%20about%20what%20you'd%20like%20to%20discuss.%20(You%20can%20also%20call%20or%20text%20me%20now.)%3E" target="_blank" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #656565; font-weight: bold; text-decoration: none;">APPOINTMENT</a></strong>
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<td valign="top" 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; padding-top: 0; padding-right: 18px; padding-bottom: 9px; padding-left: 18px;" align="left">
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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: center;">At this time of year, we naturally turn our thoughts to gathering with friends and family. Amid all the turmoil in the world, I’m reminded of that old saying: “May you live in interesting times.” And we certainly do. That’s why I’m more grateful than ever for real people—not algorithms—and real conversations, not sound bites. When we focus on the faces of those we love, we see that, in the ways that matter most, the times aren’t so different after all—they’re still full of warmth, grace, and love. I wish you a wonderful season surrounded by those you care about most! ~<em>|OWNERFIRST|</em></p>
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<td valign="top" 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: #202020; font-family: Helvetica; font-size: 14px; font-weight: normal; text-align: center;" align="center">
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<div style="text-align: center;">Do you see the same green I see?<br>
Real estate update...inventory rising<br>
<strong>Do we really need home insurance?</strong><br>
November Quiz Question (2 truths & a lie)<br>
<em>Recipe</em>: Creamy white bean leftover turkey chili<br>
<strong>Buttering up for the holidays</strong><br>
Is that a turtle or a tortoise?<br>
Painting the 5th wall<br>
Feast & Family Word Search Puzzle</div>
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<td class="mcnTextContent" valign="top" 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 18px 0px; color: #202020; font-family: Helvetica; font-size: 14px; font-weight: normal; text-align: left;" width="528" align="left">
<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;">Do you see the same green I see?</h2>
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<em><strong>Many of us have wondered: Do we see colour the same way? When I see a blue sky, do you see the same blue I do? </strong></em>A recent study suggests the answer is yes. When different people look at the same colour, their brains respond in strikingly similar ways.
<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: #202020; font-family: Helvetica; font-size: 14px; font-weight: normal; text-align: left;"><strong>Our Brains "See" the Same Colour</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: #202020; font-family: Helvetica; font-size: 14px; font-weight: normal; text-align: left;">Using brain-imaging scans, researchers discovered that each colour creates a distinctive pattern of neural activity, and those patterns are so consistent that scientists could predict what colour one person was seeing based on another person’s brain data.</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: #202020; font-family: Helvetica; font-size: 14px; font-weight: normal; text-align: left;"><strong>But How Does Green Feel?</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: #202020; font-family: Helvetica; font-size: 14px; font-weight: normal; text-align: left;">Still, that doesn’t solve the mystery of how colour feels—the private inner sense of warmth, coolness, or calm that a hue can evoke.</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: #202020; font-family: Helvetica; font-size: 14px; font-weight: normal; text-align: left;">Imagine two people standing in a room painted in soft sage green. Their brains recognize the same wavelength, and the same neural pathways fire, yet one person feels happy and peaceful while the other senses a hint of melancholy sadness. The colour is identical; the emotion is not. That duality—a shared external reality layered with private interpretation—might be what makes colour such a powerful element of design and human connection.</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: #202020; font-family: Helvetica; font-size: 14px; font-weight: normal; text-align: left;">Something to think about next time you decide to paint the living room.</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: #202020; font-family: Helvetica; font-size: 14px; font-weight: normal; text-align: left;"><em>Note: some people are colour-blind or, more rarely, can’t see colour at all—a condition called achromatopsia.</em></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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<a href="https://www.bankofcanada.ca/rates/banking-and-financial-statistics/posted-interest-rates-offered-by-chartered-banks/" title="" class="" target="_blank" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">
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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;">Canadian Real Estate Market – Fall 2025 Snapshot</h3>
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<li style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><strong>Rates:</strong> Mortgage rates remain elevated, as core inflation and global pressures limit aggressive cuts.</li>
<li style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><strong>Inventory:</strong> At the end of August, there were about 195,000 properties on MLS, roughly 8.8% more than a year ago, with 4.4 months of supply — slightly below the long-term average.</li>
<li style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><strong>Prices:</strong> The national average home price is about $691,000, down roughly 1.8% year over year. CREA forecasts a modest 1.7% decline for 2025 overall.</li>
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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>Summary:</strong> British Columbia and Ontario may see further price softness, while many Prairie and Atlantic provinces show more stability and modest growth potential.</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>Where are you?</strong> All real estate is local, so if you're wanting to sell or buy in the next few months, get in touch for a market analysis of what you can expect on your street. ~{OWNERFIRST:4}, {PHONE:15} </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;">Do you really need home insurance? Can you own a home without it?</h3>
<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: #202020; font-family: Helvetica; font-size: 14px; font-weight: normal; text-align: left;"><strong>There's no law against it</strong><br>
There’s no law that requires homeowners insurance, but mortgage lenders almost always make it a condition of the loan. If you can’t show proof of coverage, the lender will typically block closing.</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: #202020; font-family: Helvetica; font-size: 14px; font-weight: normal; text-align: left;"><strong>When can you go without insurance?</strong><br>
If you own outright, having paid cash or paid off the mortgage, you can "self-insure," accepting full financial exposure to fire, theft, storms, and liability. </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: #202020; font-family: Helvetica; font-size: 14px; font-weight: normal; text-align: left;"><strong>Pay for Damage or Pay for Insurance? </strong><br>
9 out of 10 homeowners do carry insurance, and claims are relatively few, with only a small percentage filing in a given year. Payouts range from around $13,000 to $16,000 on average. That makes it tempting if you live somewhere with very high insurance premiums to skip the coverage, save your money, and just pay for the repairs out of pocket—but that’s tempting fate. The payouts are an average...many repairs cost much more, while others cost much less—and few homeowners really save that money. Home insurance provides peace of mind as much as protection.</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: #202020; font-family: Helvetica; font-size: 14px; font-weight: normal; text-align: left;"><strong>If you're thinking about buying or selling a high-insurance property, </strong>check with homeowners who live in the area. They might have coverage suggestions. Let me know if I can help with that research. {PHONE:15}</p>
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<div><span style="font-size:18px"><span style="font-family:verdana, geneva, sans-serif"><strong>NOVEMBER QUIZ QUESTION</strong></span></span></div>
<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; text-align: center; font-style: normal; font-weight: normal; line-height: 150%;"><span style="font-size:18px"><span style="font-family:verdana, geneva, sans-serif"><span style="color:#A52A2A"><strong>2 Truths & a Lie</strong></span></span></span></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; text-align: center; font-style: normal; font-weight: normal; line-height: 150%;"><span style="font-size:16px"><strong><em>Which one of these facts is false?</em></strong></span></p>
<div style="text-align: center;">1. November was named for the nine moons of Jupiter.</div>
<div style="text-align: center;">2. November was named for the Latin word for nine. </div>
<div style="text-align: center;">3. November was named as the ninth month of the year.</div>
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<a class="mcnButton " title="Send your answer now!" href="mailto:{EMAIL:16}?subject=My%20November%20Quiz%20Answer" target="_blank" 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;">Send your answer now!</a>
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<strong>Send your answer for a chance to win a $5 coffee card!</strong> <strong>Last month's Q&A:</strong> <em><span style="color:#333366">You’re reading a 120-page book. You want to average 60 pages/hour overall. But you read the first 60 pages at 30 pages/hour. What pace must you read the last 60 pages to still average 60 pages/hour? It's impossible.</span> </em><span style="color:#B22222"><strong>Congratulations to last month's winner!</strong></span>
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<div style="text-align: center;"><span style="font-size:24px"><strong>BRAIN SNACKS & FUN FACTS</strong></span></div>
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<td valign="top" 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">
<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;">Creamy White Leftover Turkey 'Chili'</h3>
<article data-scroll-anchor="true" data-testid="conversation-turn-90" data-turn="assistant" data-turn-id="request-68ed9ba6-1d2c-8332-8b8b-7bd994cde8ae-4" dir="auto" tabindex="-1">
</article><p data-end="1084" data-is-last-node="" data-is-only-node="" data-start="791" 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;">Here’s a tangy, flavourful dish to make use of your turkey leftovers. It’s incredibly easy to make, freezes well if you want to make more, and your family will thank you effusively! Made with olive oil, cumin, coriander, green chillies, and more! Print it out, make it, thank me later.</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;"><strong><a href="https://mcusercontent.com/7ebd2aee68d190ade0477fae2/images/d7423077-8620-6ac6-07ed-61a18975b8a6.png" target="_blank" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #2f82c2; font-weight: normal; text-decoration: none;">GREEN CHILI RECIPE</a></strong></p>
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<td valign="top" 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">
<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;">Buttering you up for the holidays</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;">With the holidays coming, butter’s about to earn its keep—melting, mashing, and baking its way into everything delicious. But before you leave that stick on the counter, Land O’Lakes (a U.S. butter brand) says: don’t! If you won’t use it within a few hours, keep it in the fridge. Health experts agree: “Modified or unsalted butter should be refrigerated to avoid going rancid.” Butter should be stored in the coldest part of the fridge or frozen and kept in its original packaging to avoid absorbing odours. To soften frozen butter quickly, grate it at room temperature.</p>
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<td valign="top" 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">
<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;">Is that a turtle or a tortoise?</h3>
<p data-end="524" data-start="91" 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;">Is that red-eared slider you had as a kid a tortoise or a turtle? You probably said turtle, and you’d be right. Turtles spend most of their lives in the water, built with flat, streamlined shells and webbed feet or flippers. Tortoises are land lovers with domed shells and sturdy, elephant-like legs. Turtles eat a mix of plants and meat, while tortoises stick mostly to greens. If you’re thinking about one as a pet, remember: turtles need tanks, filters, and cleanings. Tortoises are easier to house, but they live longer (often decades) and need warm, dry space to roam.</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;">Painting the 5th Wall (the Ceiling)</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;">People have long painted ceilings for both beauty and purpose. Some of us can even remember how grandma's kitchen was yellow all the way around. Then came spray-on popcorn ceilings, and for a while we lost the habit of overhead color. But now are seeing its return in a form called color capping—using lighter tones on walls and deeper shades overhead for a soft, polished gradient that subtly elevates a room. Google for more images and ideas.
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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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<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;">The Holiday Dinner Table Word Search</h3>
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