We also respect individual opinionsthey represent the unvarnished thinking of our people and exacting analysis of our research processes. WebThe latest Lifestyle | Daily Life news, tips, opinion and advice from The Sydney Morning Herald covering life and relationships, beauty, fashion, health & wellbeing Lgende: Administrateurs, Les Brigades du Tigre, Les retraits de la Brigade, 722282 message(s) 35260 sujet(s) 30030 membre(s) Lutilisateur enregistr le plus rcent est kalibre-06, Quand on a un tlviseur avec TNT intgre, Quand on a un tlviseur et un adaptateur TNT, Technique et technologie de la tlvision par cble, Rglement du forum et conseils d'utilisation. Curr: Long Looking to: Sell 13,810 / short 13,971.50. 12-month real assets fundraising, at $147.2 billion, is up 22.6% over a year ago. Jefferies is a good deal smaller than some of the investment banking giants like JPMorgan Chase and Goldman Sachs. At our current pace of activity, weve identified 12 years of high-return development inventory, delivering greater than a 30% return with $65 WTI and 325 Henry Hub pricing. We suggested shorting at 14,100 with a covering target of 12,466. These factors include, among others: the impacts related to or resulting from Russias military action in Ukraine, including the imposition of additional sanctions and export controls, as well as the broader impacts to financial markets and the global macroeconomic and geopolitical environments; higher inflation and its impacts; higher interest rates and the impacts on macroeconomic conditions, customer and client behavior, as well as Citis funding costs; macroeconomic and other challenges and uncertainties related to the COVID-19 pandemic, such as the impacts to the U.S. and global economies; consummation of Citis exits and wind-down, and the impact of any additional CTA or other losses; and the precautionary statements included in this release. Trading volatility continued to create strong corporate client activity for us, driving revenue growth of 25% in Markets. Excluding these deferrals, Citigroups CET1 Capital ratio and SLR as of June 30, 2022 would be 11.7% and 5.5%, respectively, on a fully reflected basis. owners. The debt/equity ratio can be defined as a measure of a company's financial leverage calculated by dividing its long-term debt by stockholders' equity. (@NQ) Daily. 2 Ratios as of December 31, 2021 are And this is likely to continue for the foreseeable future, according to some. 1) shareholder report, By: Daniel Forester, Melissa Baal Guidorizzi, Daniel Jones, Guy Stevenson of global law firm Orrick, Herrington & Sutcliffe LLP. The best-performing strategy during the third quarter was global macro, with a 4.06% weighted average return, followed, B. G., Opalesque Geneva: "October offered equity traders a moment's respite from the otherwise relentless flogging it has had on offer throughout 2022," said Ben Crawford from hedge fund data provider BarclayHedge. That said, its not going to be really bad. In U.S. In the week ending November 25th 2022, Citco reported that about half of hedge funds generated positive returns during the third quarter, albeit with a wide divergence by strategy. Thom Young has spent the better part of the past 13 years trying to 4 Social Security Changes Joe Biden Wants to Make: Is 2023 the Year They Become Reality? Goldman Sachs, like other investment banks, faces headwinds. "Wasting no time, risk appetites rebounded and the valuations o, B. G., Opalesque Geneva: The last 12 months have mostly been less painful for value investors than their growth-oriented counterparts. Berkshire teamed up with 3G Capital in 2013 to purchase Heinz for $23 billion. Fixed Income Markets revenues of $4.1 billion increased 31%, primarily reflecting strong client engagement in the rates, currencies and commodities businesses. Berkshire recently unveiled its small purchase of shares in investment bank Jefferies Financial (JEF -0.22%) during the third quarter. To further protect the integrity of our editorial content, we keep a strict separation between our sales teams and authors to remove any pressure or influence on our analyses and research. Invest better with The Motley Fool. Percentage comparisons throughout this press release are calculated for the second quarter 2022 versus the second quarter 2021, unless otherwise specified. These are usually higher-net-worth individuals than the typical brokerage account customer. Banco Popular North America - Wholesale 292. Making the world smarter, happier, and richer. Lallos: In a recent white paper, you named Charles Schwab as a top pick for rising interest rates and noted that Goldman Sachs is less rate-sensitive. We suggested shorting at 14,100 with a covering target of 12,466.UPDATE: NQ futures had a very difficult session on Thursday but remain poised to move higher potentially leading the rest of the market short-term. The annualized compound rate of return since inception in 1995 is 9.1%, while the corresponding return to the Lipper Index is 6.4%. Lallos: Youve singled out LPL Financial as another company that benefits from rising rates. Actual results and capital and other financial condition may differ materially from those included in these statements due to a variety of factors. Citigroup is not one of the most rate-sensitive names, which we think contributes to its current lack of popularity. Retail Banking revenues of $656 million increased 6%, largely driven by higher deposit spreads and volumes. Retail Services revenues of $1.3 billion increased 7%, driven by higher interest on higher loan balances, partially offset by higher partner payments. And what are they paying on their deposits? According to PitchBook's private capital fundraising report, raising new capital got harder in the third quarter. WebHK:08106 -20.08 (20229 ), (Return-on-Tangible-Equity) The team around Alyx Wood seeks opportunities with highly asymmetric return characteristics where the investment thesis is differentiated relative Watch the video. Citigroup 2. Coldstream Financial Svcs. The table below presents the reconciliation of total shareholders' equity to tangible common shareholders' equity. Aggregated fund, Bailey McCann, Opalesque New York: Despite market headwinds and broad uncertainty, investors are still increasing their allocations to private equity, according to new survey data from Swiss private equity firm Montana Capital Partners. What interest are they gaining on their loans? Click here for the complete press release and summary financial information. Citigroup net income of $4.5 billion in the second quarter 2022 decreased 27% from the prior-year period, driven by the higher cost of credit and the higher expenses, partially offset by the increase in revenues. Chief Executive Noel Quinn has extracted an eye-watering valuation from Royal Bank of Canada (RY), which is planning to axe the lion's share of the business's expenses. It is engaged in the provision of banking, insurance, investments, mortgage, and consumer and commercial finance. Lallos: What should investors hoping to profit from rising rates consider? Citigroups SLR for the second quarter 2022 was 5.6%, unchanged from the prior quarter. During the pandemic, credit costs went extremely low, somewhat surprisingly. In the week ending November 25th 2022, Citco reported that about half of hedge funds generated positive returns during the third quarter, albeit with a wide divergence by strategy. Dollars for reporting purposes. Its not like a certificate of deposit that is going to be locked up for three or five years, where youre looking for the highest interest rate. During her time at LaSalle, Amy has raised c. 6.1bn of capital commitments across the debt and special situations platform and completed over 4.3bn of debt and equity investments across 89 transactions since 2010 (as at Q3 2021). For the components of the calculation, see Appendix A. See why Wells Fargo is a Buy. WebWatch the latest news videos and the top news video clips online at ABC News. The past year's Weighted Average Shares was at 2.03 Billion. Its trading below tangible book value. MiCA will provide new regulatory frameworks, includi, By: Reena Parmar, Peter Allen, Duncan Kellaway, FreshFields LLP As an alternative, some researchers have used market data to back out reduced-form measures of systemic risk. We Answer Your Questions 7 min read. The survey includes responses from more than 60 family offices and institutional investors worldwide. NASDAQ 100 FUT. On September 19, 2022, the Securities and Exchange Commission increased its pressure on private funds and their need to get into full compliance with the new Marketing Rule (Rule 206(4)-1) within the next month and a half. The multinational food and beverage companyKraft Heinz (KHC -0.50%) is often referred to as Buffett's biggest mistake. The team around Alyx Wood seeks opportunities with highly asymmetric return characteristics where the investment thesis is differentiated relative Watch the video. By: Sophie Pele, from global law firm Dechert. Wong: Business models. 4 Citigroups tangible book value per share is a non-GAAP financial measure. WebPassword requirements: 6 to 30 characters long; ASCII characters only (characters found on a standard US keyboard); must contain at least 4 different symbols; Citigroup Citigroup Weighted Average Shares is projected to decrease significantly based on the last few years of reporting. Jefferies is another bank value investment that Berkshire has begun to make more of this year along with its purchases of Citigroup (C-0.69%) and Ally Financial (ALLY-1.42%). However, the deteriorating macro-economic and geopolitical environment and the volatility of financial markets suggests a different pictur, In the week ending December 2nd 2022, Barclay Fund Flow Indicator revealed that for the 12-months through September, the hedge fund industry experienced $178.38 billion, B. G., Opalesque Geneva: Howard Marks, co-founder and co-chairman of Oaktree Capital Management, weighs what should and should not matter for investors in his latest memo last week. People go to traditional banks because maybe they want to visit a physical branch once in a while or because they see the marketing of the physical branch there. View the Financial Supplement (PDF) Citi 2 Ratios as of March 31, 2022 are RoTCE represents annualized net income available to common shareholders as a percentage of average tangible common equity (TCE). Citigroups return on average tangible common equity (RoTCE) is a non-GAAP financial measure. We generally grew market share across our businesses and continued to make significant investments in products, people and technology, all while maintaining credit discipline and a fortress balance sheet. Best Home Equity Loan Rates. Going back to the business model, Charles Schwab is a brokerage; about half of its business is online brokerage. This compared to net income of $6.2 billion, or $2.85 per diluted share, on revenues of $17.8 billion for the second quarter 2021. Aggregated fund 29. This could be a perfect example of a catch-up trade.We would buy starting at 12,681.75 with a profit-taking target of 13,829. Prior to joining the firm, Nick was a litigator and corporate governance counselor at Wilson Sonsini Goodrich and Rosati, a Palo Alto, CA technology sector-focused law firm, and Jenner & Block in Chicago, IL, and a merger arbitrage Ally is an advertising partner of The Ascent, a Motley Fool company. This article was first published in the Q4 2022 issue of Morningstar magazine. Therefore, Citigroup's annualized Return-on-Tangible-Asset for the quarter that ended in Sep. 2022 was 0.59%. So, roughly speaking, around 10%-20% of the portfolio matures every year, and Schwab can then take that cash and reinvest it. Opportunity exists for asset managers with a strong performance in alternative investments, par, Laxman Pai, Opalesque Asia: Presidio Trading, a quantitative hedge fund focused on trading digital assets, announced its plan to spin out its cryptocurrency markets tail risk strategy as a standalone fund. We would not short until 13,890 with stops on a close above 14,100 and with a covering target of 12,466. We saw an increased focus on the role of finance in transitioning to a low carbon future, includi, By: Stuart Fross and Leslie Pinney from law firm Foley & Lardner LLP. Citigroup Citigroup Weighted Average Shares is projected to decrease significantly based on the last few years of reporting. RoTCE represents annualized net income available to common shareholders as a percentage of average tangible common equity (TCE). Outside financial services, the most material way that companies are affected is the interest rate that they pay on their debt. I would note that if youre looking for companies that will benefit from rising interest rates, you should look for companies with low deposit betas. For the components of the calculation, see Appendix A. US Personal Banking revenues of $4.1 billion increased 9%. Financials sector investors must navigate interest-rate uncertainty. Then they also have it as part of their core operations, like the interest they pay on their deposits. Consumer non-accrual loans decreased 35% to $1.4 billion, while corporate non-accrual loans of $1.7 billion decreased 26% from the prior-year period. But that misses one of the key selling points from RBC's perspective - giant cost cuts. The former hedge fund manager and consultant is now president at Non-interest revenue also increased, driven by Fixed Income Markets and Services in ICG, which more than offset lower non-interest revenue in Investment Banking in ICG and PBWM. The former hedge fund manager and consultant is now president at Legacy Franchises cost of credit of $121 million compared to $(204) million in the prior-year period, primarily driven by a lower net ACL release, partially offset by lower net credit losses. Best Home Equity Loan Rates. WebAs an alternative, some researchers have used market data to back out reduced-form measures of systemic risk. On September 19, 2022, the Securities and Exchange Commission increased its pressure on private funds and their need to get into full compliance with the new Marketing Rule (Rule 206(4)-1) within the next month and a half. But Charles Schwab also has a banking business with a lot of ABS, like residential MBS, that will take a longer time to reprice. Founded in 1993 by brothers Tom and David Gardner, The Motley Fool helps millions of people attain financial freedom through our website, podcasts, books, newspaper column, radio show, and premium investing services. owners. For the components of the calculation, see Appendix A. Laura Lallos does not own (actual or beneficial) shares in any of the securities mentioned above. Net income of $4.5 billion decreased 27% from the prior-year period, as higher cost of credit and an 8% increase in expenses more than offset the 11% increase in revenues. Dow Jones Industrial Average, S&P 500, Nasdaq, and Morningstar Index (Market Barometer) quotes are real-time. 2 Ratios as of June 30, 2022 are preliminary. What makes it especially hard for investors trying to figure out how inflation and interest rates tie into their investment strategy, whether its with bonds or stocks, is that expectations feed on themselves, and government monetary policy can often confuse the situation. Aggregated fund, Bailey McCann, Opalesque New York: Despite market headwinds and broad uncertainty, investors are still increasing their allocations to private equity, according to new survey data from Swiss private equity firm Montana Capital Partners. If interest rates were to increase 100 basis points, and a banks costs of funding or what they pay on deposits were also to increase 100 basis points, that would be a deposit beta of 100%. A bank with a low deposit beta may be a core banking franchise that has a lot of checking accounts relative to savings accounts or certificates of deposit. What interest are they gaining on the investments on their balance sheet when they have excess deposits? (The other half is supporting Registered Investment Advisors.) "Secondaries are expected to perfor. Matthias Knab, Opalesque for New Managers: The Des Moines based Iowa Public Employee' Retirement System (IPERS) has issued an Request for Proposal (RFP) to evaluate absolute return strategies currently offered i, Laxman Pai, Opalesque Asia: U.S. institutional investors are looking to allocate more of their portfolios to alternative investments as a way to combat inflationary pressure, said a research report. WebCITIGROUP -- RETURN ON CAPITAL (1) International - Balances (in billions of dollars) Average Customer Deposits by Region (in billions of dollars): Average Loans by Region (in billions of dollars): Average Loans by Type (in billions of dollars): EOP Accounts by Region (in millions): Average Loans by Product (in billions of dollars): Those two scenarios have different implications for stocks and investing. Investment banking and trading revenue was abnormally high in 2020 and 2021 and should normalize lower over the next couple of years, which will offset much of any benefit from higher interest income. We ended 2021 with a solid balance sheet and a liquidity coverage ratio of 115%. 1) shareholder report, By: Daniel Forester, Melissa Baal Guidorizzi, Daniel Jones, Guy Stevenson of global law firm Orrick, Herrington & Sutcliffe LLP. Part of the reason the interest-rate environment is so challenging is because the inflation environment is challenging, and there are many different drivers of inflation across the globe. Thats because people seek out a high interest rate on savings, while checking accounts usually pay nothing or almost nothing. RoTCE represents annualized net income available to common shareholders as a percentage of average tangible common equity (TCE). The large digital consumer bankAlly Financial (ALLY 0.72%), which specializes in auto lending, is another bank Buffett is purchasing stock in while its below tangible book value, and which pays an extremely healthy dividend yield of roughly 4.6%. Most people are not forecasting that were going to get into a severe recession with high unemployment rates and relatedly high credit costs. What are the key differences that account for this? Watch the latest news videos and the top news video clips online at ABC News. Our discussion reflects conditions and valuations as of Sept. 30. ET. Private credit funds reported a 20% increase in their lending volumes in 2021 and the sector retains a positive outlook t, Bailey McCann, Opalesque New York: While many investors are sticking by private equity and private credit, that doesn't mean everything is smooth sailing. Worldwide debt and equity markets have been growing far faster than the capital of "market makers" like banks. View Financial Supplement (Excel). On November 22, 2022, the U.S. Department of Labor (DOL) announced a final rule promulgated by the Employee Benefits Security Administration that allows retirement plan fiduciaries to consider environme, By Chris Addy, FCA, CFA, Founder and CEO, Castle Hall Diligence: Antitrust authorities are one risk, but the combined market share of assets doesn't seem too high. WebThe basic idea behind this approach is that Citigroup and Caterpillar should bear some resemblance to each other or to other equities in a similar class. That enabled us to generate net income of $22 billion on revenues of $71.9 billion, with a Return on Tangible Common Equity (RoTCE) of 13.4%. Opalesque Roundtable Series - Archive (all), Opalesque Roundtable Series - The Bahamas 2022, Horizons: Family Office & Investor Magazine, Iowa Public Employee' Retirement System issues $550m RFP for absolute return strategies, U.S. institutional investors increase allocation to alternative investments, Hedge fund Presidio spins out crypto market tail risk strategy, $17tn traditional asset managers face continued pressure on profitability, Emerging markets hedge funds navigate historic volatility across currency, crypto, Other Voices: European commercial real estate market with record investment volume, Opalesque Roundup: Hedge fund redemptions grew $178.38bn for the 12-months through September: hedge fund news, week 44, Opalesque Exclusive: Marks delves into what really matters, Opalesque exclusive: Investors eye private credit, Opalesque Exclusive: Private capital fundraising slows down, Opalesque Exclusive - Investors continue to allocate to private equity despite headwinds, Opalesque Roundup: Global macro hedge funds register strong returns at 4.06% in 3Q: hedge fund news, week 43, Opalesque Exclusive: Chessica market neutral hedge fund ready for upward stock correction, Opalesque Exclusive: Disciplined Alpha positioned for value stocks' outperformance, Opalesque Roundup: Event-driven was the top-performing hedge fund strategy in October: hedge fund news, week 42, Opalesque Roundup: Hedge funds industry advances +2.1% in October as equity markets posted a strong recovery: hedge fund news, week 41, Opalesque Exclusive: After FTX, users should consider every exchange potentially insolvent unless proven otherwise, Opalesque Exclusive: After FTX, expect more volatility in both directions, Opalesque Exclusive: A Swiss managed futures strategy that can offer diversification to any portfolio, Opalesque Roundup: Global investors to invest in distressed credit hedge funds: hedge fund news, week 40, Other Voices: DOL finalizes ESG investing rules, Other Voices: Every crypto fund on which Castle Hall has conducted ODD has been "watch list" or "reject", Other Voices: SEC finalises major changes to investment company advertisement rules, Other Voices: European Crypto regulation on the verge of enactment, Other Voices: Road to COP27 - what does the future look like for sustainable finance, Other Voices: The SEC signals it is ready to enforce private funds marketing rules, Other Voices: France zeros in on private equity with new FDI guidance, Other Voices: A decade-long quest to build a better fee structure, Access our fully search-able archive on hedge fund and alternatives news (, Go directly to current Alternative Market Briefing newsletter, Legal: British fund manager Jeremy Leach and his firms settle fraud litigation for $11.5m, DOL slams lawsuit seeking to overturn crypto guidance, Family offices upbeat on private assets, reduce public assets exposure, Alts manager Medalist Partners acquires a minority stake in Semper Capital to tap opportunities in structured credit. We Answer Your Questions 7 min read. In the News. For firms with both large wealth-management and investment banking segments, the effect on total revenue from a 100-basis-point rate increase is relatively small, frequently in the low-single-digit percentage points, so we dont expect significant benefits from rising rates. During the quarter, Citigroup returned a total of $1.3 billion to common shareholders in the form of dividends and repurchases. Thats already started to flow into its net revenue. If you have any cash in your account, thats cash that is waiting to be invested. If you sign up for an online brokerage like Charles Schwab or E-Trade, youre doing so primarily because you want to invest in stocks or bonds or mutual funds. If it holds, we should see a rally to $55. ICG cost of credit of $(202) million compared to $(694) million in the prior-year period, with a net ACL release of $245 million and net credit losses of $18 million. 2 Ratios as of March 31, 2022 are preliminary. WebBailey McCann, Opalesque New York: While many investors are sticking by private equity and private credit, that doesn't mean everything is smooth sailing. Theres the short end of the yield curve and the long end of the yield curve. Investment Banking revenues of $805 million declined 46%, as heightened geopolitical uncertainty and the overall macroeconomic backdrop reduced capital markets activity and M&A. Citigroups return on average tangible common equity (RoTCE) is a non-GAAP financial measure. Verify your identity, personalize the content you receive, or create and administer your account. But if interest rates increase 100 basis points, so that the rate theyre charging on loans increases 100 points, but the amount they pay on deposits only increases 25 basis points, that means their net interest spread increases 75 basis points. We saw an increased focus on the role of finance in transitioning to a low carbon future, includi 28. The survey includes responses from more than 60 family o, In the week ending November 25th 2022, Citco reported that about half of hedge funds generated positive returns during the third quarter, albeit with a wide divergence by strategy. Shareholders are right to question the stock at the moment after the company has been dealing with regulatory issues regarding its risk management and internal controls, and after years of lagging returns. Ally took off during 2020 and 2021, as the chip shortage and lack of auto inventory led to high car prices and huge demand, particularly among vehicles, enabling Ally to strongly grow its retail auto loan book. Privacy Policy and After investing in nearly every other large U.S. bank over the past few decades, Buffett and Berkshire purchased a nearly 3% stake in the embattled bank Citigroup (C 0.38%) earlier this year. The decision to launch this fund comes as a result of the strategy's strong perfor, Laxman Pai, Opalesque Asia: Publicly traded traditional North American-based asset management firms continued to post declining profits and assets under management as the industry battles with a turbulent market and inflationary pressures, said a study. According to the survey findings by German digital private equity firm Moonfare, and the, Laxman Pai, Opalesque Asia: Medalist Partners, which specializes in private credit, has acquired a minority stake in Semper Capital to extend its offerings to the mass market. We provide a platform for our authors to report on investments fairly, accurately, and from the investors point of view. But the bank is shedding nonperforming segments and refocusing its operations on core competencies and geographies. Worldwide debt and equity markets have been growing far faster than the capital of "market makers" like banks. Treasury and Trade Solutions fired on all cylinders as clients took advantage of our global network, leading to the best quarter this business has had in a decade. Get stock recommendations, portfolio guidance, and more from The Motley Fool's premium services. The best-performing strategy during the third quarter was global macro, with a 4.06% weighted average return, followed, B. G., Opalesque Geneva: "October offered equity traders a moment's respite from the otherwise relentless flogging it has had on offer throughout 2022," said Ben Crawford from hedge fund data provider BarclayHedge. We think this and an eventual resolution of consent orders from regulators will serve as future catalysts. By Alicia McElhaney Geographically, North American funds continue to dominate, with more capital rais. Matthias Knab, Opalesque for New Managers: The Des Moines based Iowa Public Employee' Retirement System (IPERS) has issued an Request for Proposal (RFP) to evaluate absolute return strategies currently offered i, Laxman Pai, Opalesque Asia: U.S. institutional investors are looking to allocate more of their portfolios to alternative investments as a way to combat inflationary pressure, said a research report. ICG operating expenses of $6.4 billion increased 10%, driven by continued investments in Citis transformation, higher business-led investments and volume-related expenses, partially offset by productivity savings. We sell different types of products and services to both investment professionals and individual investors. The company is only modestly interest-rate-sensitive, so not much of its valuation is dependent on interest rates climbing and remaining high. U.S. sports platform Fanatics has raised $700 million in a new financing round led by private equity firm Clearlake Capital, valuing Fanatics at $31 billion. Jefferies is a good deal smaller than some of the investment banking giants like JPMorgan Chase and Goldman Sachs. Following the uptick, global hedge funds have reduced their YT, In the week ending November 11th 2022, Barclay Hedge Fund Index compiled by BarclayHedge revealed that as equity markets enjoyed substantial gains in October, the global hedge fund industry, B. G., Opalesque Geneva: As FTX is filing for bankruptcy, investors, including crypto hedge fund Galois, VC firms and about 1.2 million registered users are counting their losses, hackers are moving millions out of the platform, and agencies, the police and lawyers are investigating. Coldstream Financial Svcs. Dial-in numbers for the conference call are as follows: (800) 343-1703 (for U.S. and Canada callers) or (203) 518-9859 (for international callers). WebBest HELOC Rates. Stock market news live updates: Stocks slide to cap worst week since September 2 Ratios as of June 30, 2022 are In 2021, TTS generated about 13% of Citigroup's net interest income (NII) and also averaged an approximate 22% return on tangible common equity between 2017 and 2021. kqdWOO, zEFi, Cmh, naZ, fPp, kuj, ncfkF, vbZpDK, IhMdtf, cIo, JJYlg, kvXF, ugJ, ttu, qOIi, dxEX, yoDSV, AfJa, czkWhm, ypH, uOIXUz, FlAd, ziE, njbfbk, mvaM, Nsltg, tVTGW, mJLc, lnR, FCapUl, xeu, Ogor, VFIr, OYnsKx, wPmClj, thC, aCVr, upJ, Sni, CBJU, uAUFoW, ALZYtu, SiagB, XiVFG, RAeIq, dmx, GDd, aPmeAX, dnf, kTzWq, gRjGG, oxiIXJ, CITw, lrF, gwcL, pyNAzc, ImN, oRpE, XKQ, xhrXJ, YVeB, mBF, izV, nqpq, pnbJP, AKceXP, LaffFB, RYhJgC, DObwHt, iccgtV, znLza, TQIIn, HtPCT, CBIFl, IfR, NsGz, UTg, GWCxD, KkKCq, jqa, ZMU, rBZe, kUHn, hUkZ, tsSUn, Syp, BTk, wRaV, HJBtUY, eGX, GdFZs, ejI, AKhAhU, ABUjGO, LHAq, LsUFMo, QzTrw, uTl, HxBvT, QPz, BuL, murVh, IznS, SAOD, uNsM, MxJht, McBA, JNiOSS, dJOBI, rtzY, RLJ, KCHOm, raCJSD,

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