(858)457-KENT

Issue #355

In This Issue

1. Welcome / This Week's Special Offer
2. Gary's Real Estate Seminars
3. Homebuying Question
4. Homeselling Question
5. Investing or Financing Question
6. Hot Properties: New Listings BEFORE They Hit The Market
7. Thank You For Your Referrals

Welcome / This Week's Special Offer

Welcome To The Latest Issue
Saturday’s “How To Buy A Foreclosure In San Diego” seminar was another success. Attendees told me it was interesting and they learned useful and practical tips on buying a foreclosure. Thank you to all who attended—you asked great questions! Click here to register for my next seminar, which is Saturday, March 28, 10AM to noon. Feel free to invite a friend.

… Did you know: When you apply for credit for a home loan, car loan, etc., credit reporting agencies sell that info, causing you to receive mail, email, and phone solicitations for related products and services. The lender at my seminar Saturday, Robert, told the crowd about a website where you can go to and easily register to keep your information private and avoid these solicitations: www.optoutprescreen.com.

…Did you hear the White House is for sale! No, the government isn’t so broke it’s selling 1600 Pennsylvania Ave. Nor am I talking about some Blagojevich-style corruption scandal. Kelly S. from my office sent me this link about a White House replica house listed for sale in Atlanta for $9.8 million.

True Story: We Just Might Have What You Need In Stock
Some foreclosures are illegally stripped of kitchens, baths, fixtures, etc., by former owners or burglars. Recently one foreclosed home that had been stripped was sold by the bank. The new owner then located the former owner, who still had all the components he’d removed from the home. The old and new owners agreed upon a price and the old owner not only returned the items, but even installed them.

Top 10 U.S. Most Expensive Housing Zip Codes
If you’ve got money burning a hole in your pocket and want to move to a swanky neighborhood, here are ten good options for you:

Zip Neighborhood Median Sales Price

1 33109 Fisher Island, FL $3.85 million

2 07620 Alpine, NJ $3.59 million

3 11765 Mill Neck, NY $3 million

4 92657 Newport Coast, CA $2.8 million

5 11976 Water Mill, NY $2.72 million

6 94027 Atherton, CA $2.7 million

7 93108 Santa Barbara, CA $2.7 million

8 11975 Wainscott, NY $2.56 million

9 92067 Rancho Santa Fe, CA $2.47 million

10 90210 Beverly Hills, CA $2.41 million

Help With Tenant Screening: Credit & Background Checks
If you’re a landlord and need help with screening tenants, you might try www.landlordsecurity.com. (NOT a paid ad.)

Join Our “Preferred Client Group” For The Best Values
I find great real estate deals every week. But too often we can’t match a client in time and someone else scoops it up. (My bank-clients won’t let me buy their properties, or I’d be my best client!)

So I developed my “Private Client Group”, a select group of people serious, qualified, and ready to grab a great deal on a home or investment when -- or before -- it hits the market.

If you’d like to be in the Preferred Client Group, you need to:

Pre-approve with our approved lender

Come in for a short sit-down counseling session

Commit to work with us

To join and get the jump on great real estate values, call us at (858)457-KENT or email us at PCG@GaryKent.com

Check Out Our Foreclosure Hot-List
Looking for a deal? 50+ of my REO (foreclosure) properties have discounts of 10% to a whopping 52% from their previous values. Click on www.Foreclosure-Hotlist.com to check out my brand-new Foreclosure Hot-List website. We’ll update the site regularly, so be sure to bookmark it and return frequently. And forward this link to a friend!

FREE MLS Online Search For A San Diego or Riverside Home
To search for a home right now, click here: Free MLS Homesearch

This Week’s Free Offer:
FREE Guide: "How To Buy A Home In San Diego"
Knowledge + Action = Power. So expand your knowledge, take some action, & order this free guide. Updated for 2009. You'll discover:
- Step-by-step, how to find the right home & best loan
- Determining how much home you can afford
- Why you may NOT be pre-approved even if you think you are
- Key tips on buying foreclosures
- If a real estate agent does this, RUN!
- An easy strategy to persuade owners to sell you their home for $1,000s less
- 5 things you MUST ask your lender before you sign anything
- 6 smart house-hunting tips
- 7 questions to ask BEFORE you make your offer
- Other homebuying secrets that may surprise you!

Call (800)748-1340 to have this sent to you FREE via mail. Call 24 hours / 7 days a week; free recorded message. It should arrive at your home within 72 hours.

Send This Free Newsletter To A Friend
Subscribe them with a quick email to TellAFriend@GaryKent.com with their email address in the subject line.

Remember to email your questions, comments, compliments, corrections, critiques, & rebuttals to Questions@GaryKent.com.

Gary's Real Estate Seminars

FREE Seminar @ UTC Mall – March 28th, 2009:
“How To Buy A Foreclosure In San Diego”
Fantasy vs. Reality: Discover the truth about foreclosures/REOs
-- Saturday, March 28th, 10AM-Noon --
Click for Seminar Flyer / Click to Reserve Your Free Seat

Dreamers Need Not Apply.
Sorry… This isn’t a phony get-rich-quick seminar on buying foreclosures (also called “REOs”) 50¢ on the dollar or buying zero down with bad credit and no job. That’s NOT reality.

When you attend, you'll discover the truth about:

Top 10 San Diego neighborhoods with the best REO deals today

How much banks negotiate off their price

5-step plan to getting a great value on a foreclosure in 90 days

Wise, timely words millionaire Baron Rothschild said in the 1800s

Traps in the small-print that banks make you sign

The #1 mistake people make when offering on an REO

How to get banks to pay EVERY PENNY of your closing costs

Auction tricks, traps, and pitfalls that I swear will shock you

Free email access to undervalued & foreclosure properties

The ugly truth about “short sales”…and it IS ugly

What to watch out for in an REO

Much more

Click for Seminar Flyer Click to Reserve Your Free Seat

HomeBUYING Question

"What costs to the buyer and seller usually pay?"

***ANSWER:
Division of costs vary by geographic region. In San Diego, the buyer usually pays:

Home inspection + any other inspections (except termite)

½ the escrow fee

Lender’s policy of title insurance

Notary & recording fees for loan documents

All new loan charges (credit report, appraisal, points, etc.)

Prorated loan interest

Prorated property tax

Prorated HOA fee

Fire insurance for first year

HomeSELLING Question

"What costs do the buyer and seller usually pay?"

***ANSWER:
In San Diego, the seller usually pays:

Short Sale:

Termite inspection & Section 1 repairs

Legally required retrofits: smoke detectors, water-heater straps, perhaps toilets

½ the escrow fee

Owner’s policy of title insurance

Real estate fee

Notary & recording fees for grant deed

County transfer tax

Homeowner association document and transfer fees

Pro-rated HOA dues

Any loan fees required by seller to pay (VA)

Homewarranty

Property tax proration

Balance of mortgages against the home

Any loan prepayment penalty

Pro-rated property taxes

Investing or Financing Question

"Hi Gary. I’d like to start investing in real estate and would rather use my retirement funds. Can I buy real estate using my IRA?"

***ANSWER:
Yes, and I’ve done it myself a couple of times.

You must have a self-directed retirement account with a company (aka “custodian”) that allows real estate IRAs.

Some basics are:

- You can buy any type of real estate: houses, condos, raw land, commercial properties, apartments, etc.

- You can buy a partial interest in a property, which means your IRA can partner with anyone, including yourself (be careful w/ bookkeeping if you partner w/ yourself.)

And you must follow the rules, including:

1. You or your business cannot occupy the property.

2. You cannot buy a property from yourself, your spouse, or certain family members.

3. You cannot sell a property to yourself, your spouse, or certain family members.

4. You can finance the property, but it must be “non-recourse”, meaning that the property is sole security and the lender cannot go after the IRA for any loss.

5. All income and expenses from the property flow into and out of your IRA, not you personally. (i.e. You can’t pay the bills from your personal account or receive the income.)

There are additional rules, so please consult your tax professional for more info. (By the way, if your tax pro says you can’t buy real estate in your IRA, tell them to check again or go find another tax pro.)

With San Diego real estate prices so attractive right now, if you’re interested in investing in real estate with your IRA, call me at (858)457-KENT.

Hot Properties: Call Now On These Hot New
Listings & Not-Yet-On-The-Market Properties

Call Now On These Hot New Listings & Not-Yet-On-The-Market Properties

THIS WEEK'S FEATURED PROPERTY!

Lots of Potential

BR/BA: 3/2

Sqft: 898

Price: $219,900

– Vista – Foreclosure! Giant .70 acre lot w/ cute house built in 1940. Incredible potential. Needs lots of TLC. View Details
3BR/2BA, 898 sqft
Last sold @ $472,500 >>> Now $219,900!

"COMING SOON"
(Click Contact Me to be contacted BEFORE these properties hit the market!)

– Chula Vista – Foreclosure! Spacious home on large 9300sqft lot, 4BR/2BA, 1600 sqft, plus detached room/granny flat! Contact Me
Last sold @ 507K >>> Now 300s?
– City Heights – Foreclosure! Upstairs 1BR condo in gated complex. Quick access to 94 freeway. Great investment. Contact Me
1BR/1BA, 680
Last sold @ 178K >>> Now 70s?
New – Clairemont – Features 2-car garage, quiet neighborhood. Walk to Clairemont Square shops, dining, movies. Contact Me
3BR/2BA, 1258 sqft
Last sold @ 520K >>> To be in the 300s?
– Clairemont – Foreclosure! Affordable N. Clairemont home w/ 2-car garage. Quick access to 52 freeway. Contact Me
4BR/2BA, 1176 sqft
Previously appraised @ 441K+ >>> Now $209,900!
– Clairemont – Foreclosure! Fixer-upper 4BR/2BA house needs lots of help. No garage, large lot. Contact Me
4BR/2BA, 1635 sqft
Last appraised @ 489K+ >>> Now low 300s?
– Downtown – Foreclosure! Cute condo in Little Italy w/ high ceilings, upgraded finishes, oversize 267 sqft balcony. Contact Me
1BR/1.5BA, 898 sqft
Last sold @ 541K >>> To be in the 200s?
– Downtown – Foreclosure! Corner 3-year-new “Park Blvd East” condo near Petco Park w/ no common walls, views, granite. Contact Me
2BR/2BA, 980 sqft
Recently appraised @ 486K+ >>> 300s?
– Eastlake Area – Foreclosure! 5-year-new home w/ 2-car garage. More info to follow. Contact Me
3BR/2.5BA, 1756 sqft
Recently appraised @ 617K >>> Price TBD
– Eastlake Area – Foreclosure! Sharp 3-year-new townhome w/ 2-car garage, many extras. Contact Me
3BR/2.5BA, 1586 sqft
Last sold @ ? >>> To be low/mid-200s?
– El Cajon – Foreclosure! Handsome 1990-built 1-level detached condo w/ 2-car garage. Feels just like a house. Contact Me
3BR/2BA, 1298sqft
Last sold @ 387K >>> To be high 100s?
– Encanto – Foreclosure! Attractive 80’s built home w/ pool, spa, tri-level patio, granite kitchen, 2-car garage, more. Contact Me
4BR/3BA, 1907sqft
Last sold @ 560K >>> To be 200s?
– Encanto – Foreclosure! Remodeled home w/ city views, 2-car garage, more. Contact Me
3BR/2BA, 1247sqft
Last sold @ 358K >>> To be 200s?
– Encanto – Foreclosure! Four units w/ lots of parking. Near trolley, shopping, schools. Contact Me
Last sold @ 510K >>> Now low 300s?
– Encanto – Foreclosure! Handsome, 70’s built 4BR/2BA, 1582 sqft house on huge 9500 sqft lot. Nice street. Contact Me
Last sold @ $467,500 >>> Now 300s?
– Escondido – Foreclosure! Very roomy end-unit “Villa Espanas” condo w/ FPL and quick access to 15 and 78 freeways. Contact Me
2BR/1.5BA, 1152sqft
Last sold @ 325K >>> To be 100s?
New – La Jolla – Foreclosure! Newer condo near UCSD & Sharp Hopsital.
Contact Me
2BR/2BA, 1102 sqft
Last sold @ 583K >>> To be 300s?
– La Mesa – Foreclosure! End unit condo w/ mountain views, open floorplan, only 1 common wall. Needs some TLC. Contact Me
2BR/2BA, 1200 sqft
Last sold @ 315K >>> To be mid/high 100s?
– Lakeside – Foreclosure! Dirt-cheap condo ideal for investor or first-time homeowner. Contact Me
2BR/1BA, 728 sqft
Appraised @ 131K+ >>> To be in the 80s?
New – Linda Vista – Foreclosure! Dirt-cheap condo ideal for investor or first-time homeowner. Contact Me
2BR/1BA, 728 sqft
Appraised @ 131K+ >>> To be in the 80s?
– Logan Heights – Foreclosure! Cute little house w/ 2-car garage, nice yard, newer windows, large patio. Contact Me
3BR/2BA, 1050 sqft
Last sold @ 369K >>> To be in the high 100s?
– National City – Foreclosure! 2-year-new townhome w/ 2-car garage, greenbelt view. Borders Bonita, near Plaza Bonita. Contact Me
3BR/2.5BA, 1734 sqft
Last sold @ $609,000 >>> Now high 300s?
– Nestor – Foreclosure! Sharp 6-year-new home w/ open views in quiet neighborhood. Large backyard. Contact Me
4BR/3BA, 2190 sqft
Last sold @ 489K >>> To be low 300s?
– Nestor – Foreclosure! Private, light & bright townhome w/ large rooms, spacious backyard, interior laundry, more. Contact Me
3BR/2BA, 1222 sqft
Last sold @ 365K >>> To be high 100s?
– Oceanside – Foreclosure! Enormous 6-7BR/3BA, 2203 sqft house on 9200 sqft lot. Ideal for very large family. Contact Me
Recently appraised @ 504K+ >>> Now 400s?
– Rancho Bernardo – Foreclosure! 1989-built single family house w/ dbl garage. South of Camino Del Norte & West of I-15. Contact Me
4BR/2BA, 1760 sqft
Recently appraised @ $602K+ >>> Now 300s?
– San Marcos – Foreclosure! Newer luxury home on .59 acres. Has granite counters, plantation shutters, 3-car garage. Contact Me
4BR/3.5BA, 3310
Last sold @ ??? >>> Now high 400s?
– San Marcos – Foreclosure! Upgraded “Santa Fe Hills” home, kitchen w/ breakfast bar, fireplace, community pool/spa! Contact Me
3BR/2BA, 1315sqft
Last sold @ 384K >>> Price to be determined.
– Sorrento Mesa – Foreclosure! Stunning 12-year-old home w/ 3-car garage, large yard, 1BR/1BA downstairs. Contact Me
4BR/3BA, 2432 sqft
Recently appraised at ??? >>> To be low $600s?
– Spring Valley – Foreclosure! Convenient bottom-floor unit near I-8 and La Mesa. Granite countertops. Contact Me
3BR/2BA, 1112 sqft
Previously appraised @ 325K+ >>> To be 100s?
– University City – Foreclosure! Cute condo, fully renovated 5 years ago. Quiet complex near UTC mall. Contact Me
1BR/1BA, 597 sqft
Recently appraised @ 334K >>> To be high 100s?
– University City – Foreclosure! Cute condo in “Verano” in the La Jolla Colony area. Quick access to I-5, La Jolla, UCSD, etc. Contact Me
1BR/1BA, 704 sqft
Recently appraised @ 310K >>> To be very low 200s?
– Valley Center – Foreclosure! Contact Me
3BR/2BA, 1464 sqft
Last sold @ 425K >>> To be high 200s?

NEWLY LISTED (Your Property Here!)

	– City Heights – Foreclosure! Upstairs 1BR condo in gated complex. Quick access to 94 freeway. Great investment. Property Features 1BR/1BA, 680 sqft Last sold @ 178K >>> Just $39,900!
Too New For Photo	New – Clairemont – Handsome home on quiet dead-end street in great neighbrhd. Rooftop views, cozy family room w/ FPL, more. Contact Me 3BR/2.5BA, 1965 sqft Value range $475,000 to $525,000!
	New – Eastlake Area – Foreclosure! Great 4-year-nu townhome w/ 2-car garage, some ocean view, balcony, in-unit laundry. View Details 3BR/3BA, 1336 sqft Last sold @ 395K >>> Now just $187,900!
	Sold/6 Offers– Poway – Foreclosure! Handsome home w/ pool, tile roof, large patio. Huge kitchen w/ Corian-style counters. MLS Search 3BR/2BA, 1304 sqft Last sold @ 510K >>> Now just $279,900!
	– Vista – Foreclosure! UNDERPRICED! New luxury home on .57 acres. 3 car garage, huge yard. Needs final occupancy permit. Contact Me 4BR/3.5BA, 2588sqft Last sold @ 861K >>> Now $345,000
	– Vista – Foreclosure! Giant .70 acre lot w/ cute house built in 1940. Incredible potential. Needs lots of TLC. More Info 3BR/2BA, 898 sqft Last sold @ $472,500 >>> Now $219,900!

MORE GREAT HOMES & INVESTMENTS (Your Home Here!)

	– Campo – Foreclosure! Huge home on 1.31 acres w/ barn, + 2 additional buildings. 2 kitchens, ideal for 2 families. Take A Look 4BR/2BA, 3601 sqft Last sold @ 465K >>> Now $377,000
	– Encanto – Foreclosure! Recently renovated 4BR/2BA, 1339sqft home on overize 7200 sqft lot. Check It Out Last sold @ 450K >>> A steal @ $143,900
	– Escondido – Foreclosure! Spacious, upgraded condo in “Vermont Villas” w/ basketball & tennis. Quick freeway access. Check It Out 2BR/2BA, 1,204 sqft Last sold @ 295K >>> Now $129,500!
	– Escondido – Foreclosure! 3BR/2BA, 1,620sqft house on almost 1/2-acre! 2-car garage. More info to follow. See More Last sold @ $350,000 >>> Now $259,900!
	– Escondido – Foreclosure! Handsome 1985-built house w/ upgraded appliances, granite counters, new paint. Contact Me 3BR/2BA, 1636 sqft Last sold @ 470K >>> Now $299,900
	– Escondido – Foreclosure! Lovely 3BR/2BA, 1144 sqft house w/ 2-car garage. 6100 sqft lot. More info to follow. View Details Recently appraised @ 561K+ >>> Now $195,500!
	– Escondido – Foreclosure! Quiet 2BR/2BA upper-level condo w/ granite in kitchen & baths, tile flooring, garage! Take A Look Last sold @ 314,500 >>> Now $150,900
	– Fallbrook – Foreclosure! Upgraded home on 5.9 acres in gated, private, peaceful De Luz community. More Info 3BR/2.5BA, 1970 sqft Recently appraised @ apx 655K >>> Just $378,000
	– Fallbrook – Foreclosure! Lovely 3BR home on 5.51 acres w/ back country views & 2-car garage! Possible lot split. See For Yourself 3BR/2.5BA, 2046 sqft Last sold @ 604K >>> Now $439,900!
	– Julian – Foreclosure! Charming older house on .24 acre lot. Needs some TLC. View Details 3BR/2BA, apx 1500 sqft Last sold @ 230K >>> Now $189,900?
	– La Mesa – Foreclosure! Mid-century home w/ hardwood floors 8000 sqft lot. Needs new kitchen, baths, windows. Property Features 3BR/2BA, 1272sqft Last sold @ 427K >>> Now $192,900!
	– La Mesa – Foreclosure! Vintage 1930-built house on .27 acres. 2-car garage & many extras. Check It Out 3BR/2BA, 1338 sqft Last sold @ 450K >>> Just $294,900
	– Lakeside – Foreclosure! Spacious single family home on .28 acre lot with 2-car garage. View Details 3BR/1BA, 1719 sqft Recently appraised at ??? >>> Now $327,600!
	– National City – Foreclosure! Upgr home w/ master suite, large yard, + new cabinets, countertops, stove. More Details 3BR/1BA, 1117 sqft Last sold @ 394K >>> Now $265,000!
	– National City – Foreclosure! Three bedroom house on huge 17,100 sqft lot. East of 805, south of E. Plaza. Take A Look 3BR/1BA, 1170sqft Recently appraised @ 378K+ >>> Now $166,400!
	Reduced– Nestor – Foreclosure! Huge heavy fixer-upper home on full lot w/ 2-car garage. Quick access to 5 and 805 freeways. Property Features 3BR/3BA, 2080 sqft Previously appraised @ 372K >>> Now $244,900
	Reduced– North Park – Foreclosure! Gorgeous Spanish 1936-built home: archways, hrdwd floors, FPL, crown molding, coved ceilings. Take A Look 2BR/1BA, 1071 sqft Last sold @ 550K >>> Now $279,900.
	– Oceanside – Foreclosure! Tremendous curb appeal! Upgraded home on corner lot with mountain views. Property Features 3BR/2BA, 1290sqft Recently appraised @ 465K+ >>> Now $234,900
	– Pacific Beach – Eclectic "Flamingo House" in "Pacifica" has bonus room w/ bay view, big private bkyd, pool, spa, 3 FPL, more. Contact Me 3BR/2.5BA, 2290sqft $950,000!
	– Phoenix AZ: 12 APARTMENTS – Great central location. Units are 4 3BR, 4 2BR, and 4 1BR. Just $550,000. For More Info: Call Terry Kass @ (602) 703-5277
	– Phoenix AZ: 44 APARTMENTS – Lovely 3BR/2BA, 1967sqft home, .48 acre lot, pool. Just $2,000,000. For More Info: Call Terry Kass @ (602) 703-5277
	– Ramona – Foreclosure! Cute condo just off Main Street in downtown Ramona. Take A Look 2BR/1BA, 884 sqft Recently appraised @ 231K+ >>> Now just $84,900
	Sold– San Marcos – Foreclosure! “Santa Fe Hills” home w/ wood floors & large yard. Xlnt neighborhd w/ community pool/spa. MLS Search 3BR/2BA, 1315sqft Last sold @ 500K >>> Now $265,000!
	Sold– San Marcos – Foreclosure! Affordable house in great community. 2BR house w/ 1-car garage w/ low maintenance yard. MLS Search 2BR/1BA, 844 sqft Last sold @ 459K >>> Now $202,500!
	– San Marcos – Foreclosure! Cozy house in over-55 Lake San Marcos 2BR, 1115 sqft house in Sun Park near tennis, golf, restaurants. Check It Out Last sold @ 382K >>> $195,000
	– Santee – Foreclosure! Vintage 3BR/2BA house on large 6969 sqft lot. More info to follow. Check It Out Recently appraised @ 425K+ >>> Now $249,900
	– Santee – Foreclosure! Affordable, updated “Riderwood Gardens” condo w/ garage. Check It Out 3BR/2BA, 1144 sqft Recently appraised @ ??? >>> Now $159,900
	– Tierrasanta – Foreclosure! Remodeled townhome w/ garage, many upgrades, vaulted ceilings. More Info 2BR/2.5BA, 1068 sqft Recently appraised @ 309K+ >>> To be $284,900
	– Valley Center – Foreclosure! 3.3 acres! Gorgeous house w/ 2-car garage & panoramic views. Check It Out 3BR/2BA, 1,761 sqft Last sold @ $595,000 >>> Now $359,900!
	– Valley Center – Newer high-quality view home on 2.09 acres. Offers pool, 3-car garage, huge yard, orange groves. Contact Me 4BR/3BA, 2602 sqft Now $539,000!
	Sold/3 Offers – Vista – Foreclosure! Charming home on view knoll w/ wood floors, recent remodel, evening lights view, more. MLS Search 2BR/2BA, 1350 sqft Last sold @ 417K >>> Now $164,300

Call me at (858)457-KENT to find out more or for a private showing. To find other homes, go to A Free MLS Homesearch.

Clicked on a property, but theres no info? It may be sold. Call me to double-check or discover other similar properties we have for you.

Thank You For Your Referrals

Thank you Julia G. for referring a client to sell a home…
Thank you Nick G. for referring a client to sell a home…
Thank you Christian & Scott for referring a friend to buy a home…

Have a great week...

GARY KENT
"The Agent You See EVERYWHERE"
All-Time #1 Agent/Team In San Diego County for RE/MAX
23 Years Experience -- 3,300 + Homes Sold

Gary Kent Team --- RE/MAX Associates
(858)457-KENT --- (858)457-5368
GaryK@GaryKent.com -- http://www.garykent.com

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This free e-newsletter tells you how to be more successful with your real estate transactions. You receive it because you subscribed, entered your email address at my site(s), or were referred. By reading it, you agree you: 1) understand this is opinion & not advice; 2) will seek professional tax, legal, and real estate advice; 3) are solely responsible for use of content, 4) hold Gary Kent, Gary Kent Homes & Estates, Kent & Associates Inc., and RE/MAX Associates harmless. Questions may be paraphrased for clarity/brevity. Disregard this email if you have a listing or buyer-broker agreement. (c) 2009 Gary Kent, All Rights Reserved.