{"version":"https://jsonfeed.org/version/1","title":"Parker Mortgage Group","home_page_url":"https://parkermortgagegroup.com","description":"Parker Mortgage Group","author":{"name":"Parker Mortgage Group"},"items":[{"id":"home-prices-still-rising-but-pace-remains-subdued","html_content":"

Home price appreciation pulled back slightly at the end of last year, according to December data from both FHFA and S&P/Cotality Case-Shiller. The reports reinforce the message that prices continued to appreciate modestl...

","url":"https://parkermortgagegroup.com/pinckney-mortgage-company/f/home-prices-still-rising-but-pace-remains-subdued","title":"Home Prices Still Rising, But Pace Remains Subdued","date_modified":"2026-03-05T13:04:14Z"},{"id":"november-was-best-month-of-home-price-appreciation-in-over-a-year","html_content":"

Both the FHFA and the S&P/Cotality Case-Shiller home price indices released November data this week, and the combined message is that home price appreciation continues doing better than it had been in the middle of 2025.

","url":"https://parkermortgagegroup.com/pinckney-mortgage-company/f/november-was-best-month-of-home-price-appreciation-in-over-a-year","title":"November Was Best Month of Home Price Appreciation in Over a Year","date_modified":"2026-02-05T14:35:09Z"},{"id":"existing-home-sales-rose-but-the-bigger-picture-hasnt-changed","html_content":"

Existing-home sales climbed modestly in September, rising 1.5% to a seasonally adjusted annual rate of 4.06 million, according to the National Association of Realtors (NAR). Sales were also 4.1% higher than a year earlie...

","url":"https://parkermortgagegroup.com/pinckney-mortgage-company/f/existing-home-sales-rose-but-the-bigger-picture-hasnt-changed","title":"Existing Home Sales Rose, But The Bigger Picture Hasn't Changed","date_modified":"2025-10-30T14:37:06Z"},{"id":"mortgage-rates-near-1-month-highs-but-thats-still-pretty-great","html_content":"

Mortgage rates moved higher today after an employment report suggested that Friday's forthcoming Employment Situation (the BIG jobs report) might come in slightly better than expected.  The report in question, ADP Employ...

","url":"https://parkermortgagegroup.com/pinckney-mortgage-company/f/mortgage-rates-near-1-month-highs-but-thats-still-pretty-great","title":"Mortgage Rates Near 1-Month Highs, But That's Still Pretty Great","date_modified":"2024-10-03T13:31:26Z"},{"id":"refinancing-volume-highest-in-nearly-two-years","html_content":"

Mortgage application activity staged a moderately strong recovery from the previous holiday-shortened week, although the recovery was attributable solely to the refinance side of the business. The Mortgage Bankers Associ...

","url":"https://parkermortgagegroup.com/pinckney-mortgage-company/f/refinancing-volume-highest-in-nearly-two-years","title":"Refinancing Volume Highest in Nearly Two Years","date_modified":"2024-07-22T19:18:24Z"},{"id":"existing-home-sales-slide-to-13-year-low","html_content":"

Sales fell below the $4 million mark in September, marking the slowest month for existing home sales since October 2010. The National Association of Realtors® (NAR) said sales of preowned single-family houses, townhouses...

","url":"https://parkermortgagegroup.com/pinckney-mortgage-company/f/existing-home-sales-slide-to-13-year-low","title":"Existing Home Sales Slide to 13-Year Low","date_modified":"2023-10-25T15:50:11Z"},{"id":"new-home-sales-at-5-month-lows-still-much-higher-year-over-year","html_content":"

August sales of newly constructed single-family homes failed to match the robust numbers from July but were significantly better than those a year earlier. The U.S. Census Bureau and Department of Housing and Urban Devel...

","url":"https://parkermortgagegroup.com/pinckney-mortgage-company/f/new-home-sales-at-5-month-lows-still-much-higher-year-over-year","title":"New Home Sales at 5 Month Lows; Still Much Higher Year-Over-Year","date_modified":"2023-10-03T13:01:05Z"},{"id":"new-home-sales-benefit-from-inventory-issues","html_content":"

Sales of newly constructed homes appear to be benefitting from the very lack of inventory that is stifling existing home sales.  July’s sales of pre-owned homes lagged sales a year earlier by more than 16 percent while W...

","url":"https://parkermortgagegroup.com/pinckney-mortgage-company/f/new-home-sales-benefit-from-inventory-issues","title":"New Home Sales Benefit from Inventory Issues","date_modified":"2023-09-07T13:07:49Z"},{"id":"rising-rates-continue-to-sideline-borrowers","html_content":"

Increased mortgage rates continued to damp down both purchase and refinance activity during the week ended August 11. The Mortgage Bankers Association said its Market Composite Index, a measure of mortgage loan applicati...

","url":"https://parkermortgagegroup.com/pinckney-mortgage-company/f/rising-rates-continue-to-sideline-borrowers","title":"Rising Rates Continue to Sideline Borrowers","date_modified":"2023-08-16T15:23:56Z"},{"id":"existing-home-sales-slump-continues","html_content":"

Existing home sales account for the lion's share of all home sales in the U.S.  Unlike \"New Home Sales,\" this data series tracks previously sold homes.  

","url":"https://parkermortgagegroup.com/pinckney-mortgage-company/f/existing-home-sales-slump-continues","title":"Existing Home Sales Slump Continues","date_modified":"2023-05-24T15:49:29Z"},{"id":"existing-home-sales-lowest-in-12-years-but-it-could-be-worse","html_content":"

Existing home sales data was released this morning by the National Association of Realtors for the month of January.  It was fairly close to forecasts, but nonetheless slid to the lowest levels since 2011 for the second ...

","url":"https://parkermortgagegroup.com/pinckney-mortgage-company/f/existing-home-sales-lowest-in-12-years-but-it-could-be-worse","title":"Existing Home Sales Lowest in 12 Years, But It Could Be Worse","date_modified":"2023-02-21T20:22:58Z"},{"id":"black-knight-sees-home-price-gains-turning-negative-soon","html_content":"

Black Knight’s Mortgage Monitor for December highlights a continuation of recent home price declines, an overview of current loan performances, rate lock activity, and buyer use of buydowns.

","url":"https://parkermortgagegroup.com/pinckney-mortgage-company/f/black-knight-sees-home-price-gains-turning-negative-soon","title":"Black Knight Sees Home Price Gains Turning Negative Soon","date_modified":"2023-02-06T20:53:31Z"},{"id":"home-prices-are-slightly-lower-but-far-from-plummeting","html_content":"

As rates spiked and sales contracted at the fastest pace in decades last year, we knew the post-pandemic surge in home prices was set to reverse.  By the middle of 2022, the average forecast saw the annual pace of home ...

","url":"https://parkermortgagegroup.com/pinckney-mortgage-company/f/home-prices-are-slightly-lower-but-far-from-plummeting","title":"Home Prices Are Slightly Lower, But Far From Plummeting","date_modified":"2023-02-03T17:53:18Z"},{"id":"refinance-volume-reflects-lower-rates","html_content":"

Overall mortgage application activity returned to pre-holiday levels during the first week of the new year. Lower interest rates bolstered refinancing and the Mortgage Bankers Association said its Market Composite Index...

","url":"https://parkermortgagegroup.com/pinckney-mortgage-company/f/refinance-volume-reflects-lower-rates","title":"Refinance Volume Reflects Lower Rates","date_modified":"2023-01-11T19:23:52Z"},{"id":"application-volume-rises-ahead-of-next-fed-move","html_content":"

The mortgage market disregarded a slight increase in interest rates last week. Refinance applications posted a second weekly gain, and the Purchase Mortgage Index resumed the upward trend it has pursued since early Novem...

","url":"https://parkermortgagegroup.com/pinckney-mortgage-company/f/application-volume-rises-ahead-of-next-fed-move","title":"Application Volume Rises Ahead of Next Fed Move","date_modified":"2022-12-15T20:08:26Z"},{"id":"purchase-activity-rose-again-as-holiday-neared","html_content":"

Thanksgiving had its usual effect on the mortgage market during the week ended November 25, although the third week of easing interest rates helped move the volume of purchase mortgage applications higher. The Mortgage B...

","url":"https://parkermortgagegroup.com/pinckney-mortgage-company/f/purchase-activity-rose-again-as-holiday-neared","title":"Purchase Activity Rose Again as Holiday Neared","date_modified":"2022-12-08T19:19:21Z"},{"id":"record-single-day-drop-in-rates-after-inflation-comes-in-cooler","html_content":"

Heading into this week, we knew that Thursday's Consumer Price Index (CPI) would be critically important. It did not disappoint.

","url":"https://parkermortgagegroup.com/pinckney-mortgage-company/f/record-single-day-drop-in-rates-after-inflation-comes-in-cooler","title":"Record Single Day Drop in Rates After Inflation Comes in Cooler","date_modified":"2022-11-11T13:00:43Z"},{"id":"construction-numbers-boosted-by-residential-remodeling","html_content":"

Spending on residential construction, while down a bit in August and in spite of the gloom and doom about the housing market, continues to run significantly higher than in 2021. This is also true, although to a lesser ex...

","url":"https://parkermortgagegroup.com/pinckney-mortgage-company/f/construction-numbers-boosted-by-residential-remodeling","title":"Construction Numbers Boosted by Residential Remodeling","date_modified":"2022-10-11T12:36:51Z"},{"id":"builders-cutting-prices-adding-incentives-as-confidence-wanes","html_content":"

The National Association of Home Builder’s (NAHB’s) index measuring the confidence of builders in the new home market has fallen for the ninth straight month. A 3-point month-over-month drop put the NAHB/Wells Fargo Hous...

","url":"https://parkermortgagegroup.com/pinckney-mortgage-company/f/builders-cutting-prices-adding-incentives-as-confidence-wanes","title":"Builders Cutting Prices, Adding Incentives as Confidence Wanes","date_modified":"2022-09-28T10:00:00Z"},{"id":"existing-home-sales-down-slightly-price-appreciation-slows","html_content":"

Seven straight months of slowing sales has reduced existing home transactions by nearly 20 percent from the same point in 2021. The National Association of Realtors® (NAR) said on Wednesday that August sales of preowned ...

","url":"https://parkermortgagegroup.com/pinckney-mortgage-company/f/existing-home-sales-down-slightly-price-appreciation-slows","title":"Existing Home Sales Down Slightly, Price Appreciation Slows","date_modified":"2022-09-27T20:00:00Z"},{"id":"mortgage-app-volume-declines-but-jobs-data-offers-silver-lining","html_content":"

The Mortgage Bankers Association (MBA) says the pace of mortgage applications slowed for a fourth consecutive time during the week ended September 2. MBA’s seasonally adjusted Market Composite Index, a measure of applica...

","url":"https://parkermortgagegroup.com/pinckney-mortgage-company/f/mortgage-app-volume-declines-but-jobs-data-offers-silver-lining","title":"Mortgage App Volume Declines, But Jobs Data Offers Silver Lining","date_modified":"2022-09-12T15:46:13Z"},{"id":"new-home-sales-fall-below-600k","html_content":"

New home sales fell again in June, more than wiping out the increase posted for May. The U.S. Census Bureau and the Department of Housing and Urban Development said sales during the month were at a seasonally adjusted a...

","url":"https://parkermortgagegroup.com/pinckney-mortgage-company/f/new-home-sales-fall-below-600k","title":"New Home Sales Fall Below 600K","date_modified":"2022-07-26T15:49:05Z"},{"id":"rates-are-applying-the-brakes-to-appreciation","html_content":"

The two-year explosion in home prices appears to be cooling a bit. Black Knight says annual appreciation was down in May for the second straight month. But has the damage already been done?

","url":"https://parkermortgagegroup.com/pinckney-mortgage-company/f/rates-are-applying-the-brakes-to-appreciation","title":"Rates are Applying the Brakes to Appreciation","date_modified":"2022-07-12T19:35:00Z"},{"id":"existing-home-sales-slide-back-to-pre-pandemic-levels","html_content":"

April, May, and June of 2020 were the only 3 months where Existing Home Sales suffered as a result of the pandemic.  During those three months, the annual pace averaged roughly 4.4 million versus the last pre-pandemic re...

","url":"https://parkermortgagegroup.com/pinckney-mortgage-company/f/existing-home-sales-slide-back-to-pre-pandemic-levels","title":"Existing Home Sales Slide Back to Pre-Pandemic Levels","date_modified":"2022-06-22T19:05:59Z"},{"id":"time-to-buy-time-to-sell","html_content":"

Consumers Think It's a Terrible Time To Buy, But They're Also Fairly Terrible Housing Forecasters

","url":"https://parkermortgagegroup.com/pinckney-mortgage-company/f/time-to-buy-time-to-sell","title":"Time To Buy? Time To Sell? ","date_modified":"2022-06-09T17:47:33Z"},{"id":"permits-and-starts-sit-at-16-year-highs","html_content":"

Despite the oft-cited hurdles, housing production continued to strengthen in March. Permits for residential construction were issued at seasonally adjusted annual rates that surpassed 1,800 for the fourth consecutive mon...

","url":"https://parkermortgagegroup.com/pinckney-mortgage-company/f/permits-and-starts-sit-at-16-year-highs","title":"Permits and Starts Sit at 16-Year Highs","date_modified":"2022-04-21T14:13:11Z"},{"id":"home-prices-moved-up-even-faster-in-january-despite-higher-rates","html_content":"

There's a friendly debate among economists and housing experts on the implications of 2022's massive spike in mortgage rates.  According to some, higher rates will surely bring a quicker end to what was already an unsus...

","url":"https://parkermortgagegroup.com/pinckney-mortgage-company/f/home-prices-moved-up-even-faster-in-january-despite-higher-rates","title":"Home Prices Moved Up Even Faster in January Despite Higher Rates","date_modified":"2022-04-01T21:09:18Z"},{"id":"rents-are-rising-4-times-faster-than-they-did-in-2020","html_content":"

Imagine paying $1500/month for rent in 2021 and getting a renewal letter for $2079.  That's the reality for those living in the metropolitan area where rental prices are accelerating the fastest according to the Single-F...

","url":"https://parkermortgagegroup.com/pinckney-mortgage-company/f/rents-are-rising-4-times-faster-than-they-did-in-2020","title":"Rents Are Rising 4 Times Faster Than They Did in 2020","date_modified":"2022-03-18T17:05:42Z"},{"id":"realtors-report-big-decline-in-contract-signings","html_content":"

The National Association of Realtors released January's Pending Home Sales report this morning, which measures signed purchase contracts as opposed to finalized sales.  As such, it's considered to be an advance indicato...

","url":"https://parkermortgagegroup.com/pinckney-mortgage-company/f/realtors-report-big-decline-in-contract-signings","title":"Realtors Report Big Decline in Contract Signings","date_modified":"2022-03-05T14:00:00Z"},{"id":"home-prices-arent-done-setting-records-yet","html_content":"

CoreLogic released its Home Price Index for January today, showing year-over-year price appreciation of 19.1% nationally.  That's the highest rate of appreciation since this data series began in 1976.  The caveat, of co...

","url":"https://parkermortgagegroup.com/pinckney-mortgage-company/f/home-prices-arent-done-setting-records-yet","title":"Home Prices Aren't Done Setting Records Yet","date_modified":"2022-03-04T13:59:11Z"},{"id":"forbearances-continue-lower-led-by-non-agency-loans","html_content":"

The Mortgage Bankers Association released its monthly update on the share of mortgages in forbearance.  Forbearances spiked as the pandemic began, but have been declining gradually since May 2020.  

","url":"https://parkermortgagegroup.com/pinckney-mortgage-company/f/forbearances-continue-lower-led-by-non-agency-loans","title":"Forbearances Continue Lower, Led By Non-Agency Loans","date_modified":"2022-02-24T15:00:00Z"},{"id":"home-prices-arent-slowing-down-yet","html_content":"

Home price appreciation peaked in July with the FHFA House Price Index up 19.3% year-over year and the S&P CoreLogic Case-Shiller 20-City Index up 20.0%.  Both have come off the boil since then, but only slightly.

","url":"https://parkermortgagegroup.com/pinckney-mortgage-company/f/home-prices-arent-slowing-down-yet","title":"Home Prices Aren't Slowing Down (Yet)","date_modified":"2022-02-23T16:03:39Z"},{"id":"confidence-slips-as-builders-face-big-material-delays","html_content":"

There was another bit of erosion in builder confidence in February. The National Association of Home Builders (NAHB) said the NAHB/Wells Fargo Housing Market Index (HMI) dipped 1-point during the month to a reading of 8...

","url":"https://parkermortgagegroup.com/pinckney-mortgage-company/f/confidence-slips-as-builders-face-big-material-delays","title":"Confidence Slips as Builders Face Big Material Delays","date_modified":"2022-02-17T14:39:21Z"},{"id":"home-price-gains-have-outsized-affordability-impacts","html_content":"

According to the National Association of Homebuilders (NAHB), 87.5 million households, 69 percent of the nation’s total, cannot afford to buy a new median priced home because they lack sufficient incomes to qualify for ...

","url":"https://parkermortgagegroup.com/pinckney-mortgage-company/f/home-price-gains-have-outsized-affordability-impacts","title":"Home Price Gains Have Outsized Affordability Impacts","date_modified":"2022-02-16T14:06:04Z"},{"id":"rising-rates-propel-surge-in-refinancing","html_content":"

Mortgage volume during the week ended January 28 recovered from a 7 percent decline the previous week to post the largest non-holiday related gain since the last week of March 2020. The Mortgage Bankers Association (MBA)...

","url":"https://parkermortgagegroup.com/pinckney-mortgage-company/f/rising-rates-propel-surge-in-refinancing","title":"Rising Rates Propel Surge in Refinancing","date_modified":"2022-02-09T15:00:00Z"},{"id":"affordability-worsens-as-price-gains-re-accelerate","html_content":"

Black Knight did not publish a Mortgage Monitor in January, so the new issue looks at the mortgage market at the end of 2021 into the early days of 2022. The company says that home price growth, which showed signs of coo...

","url":"https://parkermortgagegroup.com/pinckney-mortgage-company/f/affordability-worsens-as-price-gains-re-accelerate","title":"Affordability Worsens as Price Gains Re-Accelerate","date_modified":"2022-02-08T21:55:25Z"},{"id":"lumber-prices-soaring-again","html_content":"

The National Association of Home Builders (NAHB) says that, after a few months of moderating lumber prices following the rapid runup in early spring, those prices are soaring again. In a recent post on its NOW blog, the ...

","url":"https://parkermortgagegroup.com/pinckney-mortgage-company/f/lumber-prices-soaring-again","title":"Lumber Prices Soaring Again","date_modified":"2022-01-18T15:00:00Z"},{"id":"higher-rates-lead-to-slight-gains-in-credit-access","html_content":"

Mortgage credit loosened a bit last month but the Mortgage Bankers Association’s (MBA’s) Mortgage Credit Availability Index (MCAI) which measures credit access remains well below pre-pandemic levels which often topped 1...

","url":"https://parkermortgagegroup.com/pinckney-mortgage-company/f/higher-rates-lead-to-slight-gains-in-credit-access","title":"Higher Rates Lead to Slight Gains in Credit Access","date_modified":"2022-01-17T20:50:34Z"},{"id":"credit-reporting-companies-under-fire-again","html_content":"

The Consumer Financial Protection Agency (CFPB) says the big three credit reporting companies are still not playing well with others. A new report from the agency says Equifax, Experian, and TransUnion together only resp...

","url":"https://parkermortgagegroup.com/pinckney-mortgage-company/f/credit-reporting-companies-under-fire-again","title":"Credit Reporting Companies Under Fire (Again)","date_modified":"2022-01-10T22:22:04Z"},{"id":"big-jump-in-home-sales--impressive-considering-the-lack-of-supply","html_content":"

Existing home sales resumed an upward trajectory in September after dipping 2.0 percent in August. The National Association of Realtors® (NAR) said sales of pre-owned single-family houses, townhouses, condominiums, and c...

","url":"https://parkermortgagegroup.com/pinckney-mortgage-company/f/big-jump-in-home-sales--impressive-considering-the-lack-of-supply","title":"Big Jump in Home Sales--Impressive Considering The Lack of Supply","date_modified":"2021-10-26T14:03:40Z"},{"id":"refinance-share-of-originations-back-above-50%25","html_content":"

Refinancing again dominated mortgage originations in August after falling below a 50 percent market share in both June and July. ICE Mortgage Technology's Origination Insight Report put the refinancing share of closed tr...

","url":"https://parkermortgagegroup.com/pinckney-mortgage-company/f/refinance-share-of-originations-back-above-50%25","title":"Refinance Share of Originations Back Above 50%","date_modified":"2021-10-19T20:00:00Z"},{"id":"construction-numbers-fall-back-from-august-levels","html_content":"

","url":"https://parkermortgagegroup.com/pinckney-mortgage-company/f/construction-numbers-fall-back-from-august-levels","title":"Construction Numbers Fall Back from August Levels","date_modified":"2021-10-19T19:55:11Z"},{"id":"price-gains-show-hints-of-deceleration-but-affordability-concerns","html_content":"

Is relief in sight for potential homeowners? Too early to tell, but Black Knight says that the rate of acceleration in home price growth did slow slightly in August, the first decline in the annual rate in 15 months. The...

","url":"https://parkermortgagegroup.com/pinckney-mortgage-company/f/price-gains-show-hints-of-deceleration-but-affordability-concerns","title":"Price Gains Show Hints of Deceleration but Affordability Concerns","date_modified":"2021-10-07T00:49:50Z"},{"id":"mortgage-applications-rise-reflecting-improved-inventories","html_content":"

The volume of applications for first mortgages grew by 4.9 percent on a seasonally adjusted basis during the first full week after Labor Day. The Mortgage Bankers Association (MBA) says its Market Composite Index, a meas...

","url":"https://parkermortgagegroup.com/pinckney-mortgage-company/f/mortgage-applications-rise-reflecting-improved-inventories","title":"Mortgage Applications Rise, Reflecting Improved Inventories","date_modified":"2021-09-24T14:00:00Z"},{"id":"flipping-transactions-increase-profits-do-not","html_content":"

The number of homes flipped by investors grew by 3.5 percent in the second quarter of the year. It was the first increase in more than a year.

","url":"https://parkermortgagegroup.com/pinckney-mortgage-company/f/flipping-transactions-increase-profits-do-not","title":"Flipping Transactions Increase, Profits Do Not","date_modified":"2021-09-23T13:18:07Z"},{"id":"home-buying-sentiment-improves-slightly","html_content":"

Consumers felt a little better about the wisdom of buying a home last month than they did in July, although that isn't saying a lot. Fannie Mae says 32 percent of respondents to its August National Housing Survey (NHS) s...

","url":"https://parkermortgagegroup.com/pinckney-mortgage-company/f/home-buying-sentiment-improves-slightly","title":"Home Buying Sentiment Improves Slightly","date_modified":"2021-09-08T01:15:14Z"},{"id":"home-prices-continue-runaway-gains-more-double-digit-growth","html_content":"

Annual price gains remained at a double-digit pace in June. Both The S&P CoreLogic Case-Shiller indices and the Federal Housing Finance Agency's (FHFA's) House Price Index (HPI) showed further acceleration in the rate of...

","url":"https://parkermortgagegroup.com/pinckney-mortgage-company/f/home-prices-continue-runaway-gains-more-double-digit-growth","title":"Home Prices Continue Runaway Gains, More Double-Digit Growth","date_modified":"2021-09-02T10:00:00Z"},{"id":"inventories-continue-to-constrain-home-purchase-activity","html_content":"

While existing home sales have increased in the last two months after a four-month slump, those sales don't look especially bright as we head into the fall and winter doldrums. The National Association of Realtors® (NAR)...

","url":"https://parkermortgagegroup.com/pinckney-mortgage-company/f/inventories-continue-to-constrain-home-purchase-activity","title":"Inventories Continue to Constrain Home Purchase Activity","date_modified":"2021-09-01T12:00:35Z"},{"id":"rent-gains-are-setting-records-too","html_content":"

While home prices have been posting record increases for months, it appears that rents are trying to keep up. CoreLogic says the connection is clear. The company's Single-Family Rent Index, which analyzes single-family r...

","url":"https://parkermortgagegroup.com/pinckney-mortgage-company/f/rent-gains-are-setting-records-too","title":"Rent Gains are Setting Records Too","date_modified":"2021-08-24T10:00:00Z"},{"id":"fannies-new-rental-history-credit-boost-not-as-simple-as-sounds","html_content":"

It seemed like a simple solution for expanding the credit profile of many first-time homebuyers, but Fannie Mae's new plan to utilize rent payment history to that end will not immediately remedy the situation. Linda Good...

","url":"https://parkermortgagegroup.com/pinckney-mortgage-company/f/fannies-new-rental-history-credit-boost-not-as-simple-as-sounds","title":"Fannie's New Rental History Credit Boost Not as Simple as Sounds","date_modified":"2021-08-23T18:36:20Z"}]}