In this episode, we interview Paul Sian. Pual is a realtor and attorney based out of Cincinnati Ohio. We specifically talk about new home construction for first time homebuyers. How doe new home construction work for first time homebuyers and what to watch out for. We talk about having an attorney on your team and whether or not that’s necessary. You’ll learn a ton from this episode! www.pintlergroup.com Enjoy and make sure to ask us any questions you have. Check out Paul's Blog: www.realcincy.com

Closing Day

New Home Construction for First Time Homebuyers: Paul Sion

In this episode, we interview David Sidoni: known as the “How to Buy a Home Guy.” Certainly the perfect guest for Closing Day! We talk about the 20% rule and why it's more of a guideline than a rule in some cases. We debate Dave Ramsey's thoughts on real estate and we dive head first into the myths of real estate. David has a wealth of knowledge that he shared on the topics of saving, starting your home buying process and building your team. https://www.facebook.com/HowtoBuyaHomeGuy/ https://www.listennotes.com/podcasts/how-to-buy-a-home-david-sidoni-yl2PaSwqfxv/ https://davidsidoni.com/ Visit our website (http://www.pintlergroup.com/) to contact us and for more information about Closing Day! You can also find us on Instagram @ClosingDayPodcast (https://www.instagram.com/closing_day_podcast/?hl=en) and on Facebook at Closing Day Podcast (https://www.facebook.com/Closing-Day-Podcast-2197268306996798/).

Episode 15: David Sidoni: How To Buy a House

We’re back with Closing Day! We sat down with Tia Moore, Realtor and owner of NextView home professionals. When are you ready to buy a house? What percentage of first-time homebuyers land 100% of their must-haves on their list, and what are the first steps, like step zero-one to getting started. We answer all of these quesitons and more. Oh, and the audio cut out at the beginning of the episode so we sort of jump right in :) *Resources: * BankRate Mortgage Calculator (https://www.bankrate.com/calculators/mortgages/mortgage-calculator.aspx) Three Factors to Consider (https://smartasset.com/mortgage/buying-vs-renting-three-factors) Visit our website (http://www.pintlergroup.com/) to contact us and for more information about Closing Day! You can also find us on Instagram @ClosingDayPodcast (https://www.instagram.com/closing_day_podcast/?hl=en) and on Facebook at Closing Day Podcast (https://www.facebook.com/Closing-Day-Podcast-2197268306996798/).

Episode 14: What You Can Learn from the Phoenix Market

We’re back with another episode of Closing Day featuring Chris Naro. Chris Naro is a realtor and Co-Founder of The Montana Real Estate Consultants. He’s in the business of helping people and he helps us understand why some markets take-off with high home prices and others cruise right along. We specifically dive into first time homebuying strategies and building your team. Make sure to listen to the part where we discuss the topic of whether a home is an asset or a liability. https://www.coldwellbanker.com/Coldwell-Banker-Distinctive-Properties-11781c/Chris-Naro-7453787a Visit our website (http://www.pintlergroup.com/) to contact us and for more information about Closing Day! You can also find us on Instagram @ClosingDayPodcast (https://www.instagram.com/closing_day_podcast/?hl=en) and on Facebook at Closing Day Podcast (https://www.facebook.com/Closing-Day-Podcast-2197268306996798/).

Episode 13: How to Build Your First Time Home Buying Team: Chris Naro

Welcome back to closing day! We took a break there from the end of season one to figure out what to do next. Our answer, bring in more experts to help make first time homebuyers confident savers, seekers and negotiators. And what better way to kick things off than with a real-estate investor. In this episode, we talk with Matt Walker. Matt is a full time real estate investor and partner at Gallatin Capital Group. Matt lives in Big Sky Montana and took time out of his ski-day to chat with us. Matt and I first met at the Bigger Pockets conference in Nashville and of course, both being from Montana: connected pretty quickly on the growth and opportunity happening in the real estate world that is the Big Sky State. We talk about first time homebuyers and how Matt purchased his first condo without a realtor. How does that work? We talk about condo vs. single family in red-hot markets and we talk about the Dave Ramsey theory of owning your house without any debt. Enjoy the episode and as always, let us know if you have any questions we can help with. https://www.instagram.com/gallatincapitalgroup/ Visit our website (http://www.pintlergroup.com/) to contact us and for more information about Closing Day! You can also find us on Instagram @ClosingDayPodcast (https://www.instagram.com/closing_day_podcast/?hl=en) and on Facebook at Closing Day Podcast (https://www.facebook.com/Closing-Day-Podcast-2197268306996798/).

Episode 12: First Time Homebuyer to Full Time Real Estate Investor with Matt Walker

Kassi and Kyle work together to recap all ten episodes from season one. They highlight the guests and major takeaways from each episode to create a comprehensive review of season one before jumping into season two! *Resources: * First-Time Home Buyer Programs By State (https://www.nerdwallet.com/blog/mortgages/first-time-home-buyer-programs-by-state/) - https://www.nerdwallet.com/blog/mortgages/first-time-home-buyer-programs-by-state/ Buying a Home (https://www.hud.gov/topics/buying_a_home) - https://www.hud.gov/topics/buyingahome Visit our website (http://www.pintlergroup.com/) to contact us and for more information about Closing Day! You can also find us on Instagram @ClosingDayPodcast (https://www.instagram.com/closing_day_podcast/?hl=en) and on Facebook at Closing Day Podcast (https://www.facebook.com/Closing-Day-Podcast-2197268306996798/).

Recap of Season 1: 10 Things Every First Time Home Buyer Needs to Know

On the tenth episode of Closing Day, we talk all about the home selection process. Kyle interviews Julie Gardner, a realtor with ERA Lambros Real Estate here in Missoula, Montana where she helps individuals sell and buy both commercial and residential property. Julie is a third generation realtor and was a practicing attourney before she jumped into real estate. Topics addressed in this episode: * Setting housing expectations * Creating a list of priorities * The role of lawyers in the home buying process * The different types of real estate teams * Contingencies * Dream homes vs. starter homes * First time home buyer support programs Kyle and Julie dive into these topics and more giving listeners great information and tangible action steps that can be taken to help them reach their own Closing Day on their first home! *Resources: * Quiet by Susan Cain (https://www.quietrev.com/quiet-the-book/) - https://www.quietrev.com/quiet-the-book/ The Five Most Common Home-Buying Contingencies, Explained (https://www.forbes.com/sites/taramastroeni/2018/08/27/the-five-most-common-home-buying-contingencies-explained/#48d4b85f3786) - https://www.forbes.com/sites/taramastroeni/2018/08/27/the-five-most-common-home-buying-contingencies-explained/#48d4b85f3786 A Home Buying Checklist: Organize Your Wants and Needs (https://www.moneyunder30.com/home-buying-checklist-wants-vs-needs) - https://www.moneyunder30.com/home-buying-checklist-wants-vs-needs 10 First-Time Home Buyer Grants and Programs (https://thelendersnetwork.com/8-first-time-home-buyer-grants-programs/) - https://thelendersnetwork.com/8-first-time-home-buyer-grants-programs/ You can contact Julie by visiting her website (https://juliegardnerproperties.com/). Visit our website (http://www.pintlergroup.com/) to contact us and for more information about Closing Day! You can also find us on Instagram @ClosingDayPodcast (https://www.instagram.com/closing_day_podcast/?hl=en) and on Facebook at Closing Day Podcast (https://www.facebook.com/Closing-Day-Podcast-2197268306996798/). Special Guest: Julie Gardner.

Closing Day Podcast 10: Three Generations of Real Estate Knowledge

On the ninth episode of Closing Day, we discuss downpayment assistance programs. Kyle interviews Dave Glaser, the President and CEO of MoFi here in Missoula, Montana where he helps make funding opportunties available to many people throughout the community, state and region. MoFi's program, HomeNow, is a great example of a downpayment assistance program and Dave shares very valuable information on the topic. Topics addressed in this episode: * What down payment assistance actually is * Who can receive down payment assistance * How you can find it in your own community * How it works with your lender of choice *BONUS: Dave shares a very intersting story about his real-life experience in a mutiny at sea! Dave and Kyle dive into these topics and more giving listeners great information and tangible action steps that can be taken to help them reach their own Closing Day on their first home! *Resources: * MoFi HomeNow (https://www.mofi.org/homenow/homenow-down-payment-assistance/) - https://www.mofi.org/homenow/homenow-down-payment-assistance/ What Are Some Down Payment Assistance Programs? (https://smartasset.com/mortgage/down-payment-assistance-programs) A New Angle Podcast (http://anewanglepodcast.com/) - https://smartasset.com/mortgage/down-payment-assistance-programs) [A New Angle Podcast](http://anewanglepodcast.com/ The Millionaire Next Door by Thomas J. Stanley, Ph.D. and William D. Danko Ph.D. (http://www.thomasjstanley.com/publication/the-millionaire-next-door/) - http://www.thomasjstanley.com/publication/the-millionaire-next-door/ You can contact Dave at 406-728-9234. Visit our website (http://www.pintlergroup.com/) to contact us and for more information about Closing Day! You can also find us on Instagram @ClosingDayPodcast (https://www.instagram.com/closing_day_podcast/?hl=en) and on Facebook at Closing Day Podcast (https://www.facebook.com/Closing-Day-Podcast-2197268306996798/). Special Guest: Dave Glaser.

Closing Day Podcast 9: Home Loan Programs for All Shapes and Hourly Rates

On the eighth episode of Closing Day, we talk about title companies. Kyle interviews Nissa Liesz, the Business Development Professional at First American Title Company here in Missoula, Montana where she has experience in basically every roll within the company. Full of experience and knowledge from her time working her way up in the company, Nissa has a lot of great tips for the Closing Day listeners! Topics addressed in this episode: * What a title company actually does * Earnest money * Escrow * What happens on closing day * Settlement statements and closing disclosures * Finances * How to create a strong team Kyle and Nissa dive into these topics and more giving listeners great information and tangible action steps that can be taken to help them reach their own Closing Day on their first home! *Resources: * First Amerian Title Company (https://www.gofirstam.com/index.html) - https://www.gofirstam.com/index.html First American Title Company: Montana Homebuyer's Guide (http://www.gofirstam.com/resources/montana-homebuyer-guide.html) - http://www.gofirstam.com/resources/montana-homebuyer-guide.html First American Title Company Calculators (Calculate Your Rate, Mortgage, and Closing Costs) (https://www.gofirstam.com/tools.html) - https://www.gofirstam.com/tools.html Earnest Money: What You Need To Know And How Much Is Enough? (https://thecollegeinvestor.com/22426/earnest-money/) - https://thecollegeinvestor.com/22426/earnest-money/ You Are a Badass by Jen Sincero (https://jensincero.com/) - https://jensincero.com/ You can find Nissa's contact information here (https://www.gofirstam.com/office/first-american-title-company-missoula-mt.html). Visit our website (http://www.pintlergroup.com/) to contact us and for more information about Closing Day! You can also find us on Instagram @ClosingDayPodcast (https://www.instagram.com/closing_day_podcast/?hl=en) and on Facebook at Closing Day Podcast (https://www.facebook.com/Closing-Day-Podcast-2197268306996798/). Special Guest: Nissa Liesz.

Closing Day Podcast 8: What's a Title and Should I Care?

On the seventh episode of Closing Day, we talk about home inspections. Kyle interviews Emmon Snyder, a home inspector from ES Ventures, INC. here in Missoula, Montana. With experience in both construction and insurance and as the owner of his own home inspection business, Emmon has a wealth of knowledge to share! Topics addressed in this episode: * What a home inspection is * When to contact a home inspector * What the home inspector does when in the home * Whether or not it is required to get an inspection * How to choose an inspector * Important questions to ask your inspector such as: - Do you have construction experience? Do you have general liability insurance? Do you have error and omission insurance? Are you a member of a national organization? Kyle and Emmon dive into these topics and more giving listeners great information and tangible action steps that can be taken to help them reach their own Closing Day on their first home! The average price for a home inspection is about $400 in Montana, but it depends on square footage of the home and additional tests you might choose to purchase. *Resources: * ES Ventures, INC. (http://esventuresinc.com/) - http://esventuresinc.com/ 8 Tips to Find the Best Home Inspector (https://realestate.usnews.com/real-estate/articles/tips-to-find-the-best-home-inspector) - https://realestate.usnews.com/real-estate/articles/tips-to-find-the-best-home-inspector What Is A Home Inspection And How Do I Hire An Inspector? (https://www.forbes.com/sites/jordanlulich/2018/06/18/what-is-a-home-inspection-and-how-do-i-hire-an-inspector/#62c1e69d1934) - https://www.forbes.com/sites/jordanlulich/2018/06/18/what-is-a-home-inspection-and-how-do-i-hire-an-inspector/#62c1e69d1934 What Does a Home Inspector Look For? A Whole Lot (https://www.realtor.com/advice/buy/what-does-a-home-inspector-look-for/) - https://www.realtor.com/advice/buy/what-does-a-home-inspector-look-for/ You can contact Emmon at 406-506-2280 or Emmon@ESVenturesINC.com. Visit our website (http://www.pintlergroup.com/) to contact us and for more information about Closing Day! You can also find us on Instagram @ClosingDayPodcast (https://www.instagram.com/closing_day_podcast/?hl=en) and on Facebook at Closing Day Podcast (https://www.facebook.com/Closing-Day-Podcast-2197268306996798/). Special Guest: Emmon Snyder.

Closing Day Podcast 7: Home Inspection: Just Do It!

On the sixth episode of Closing Day, we discuss the difference between a lender and a broker and what happens after you make an offer. Kyle interviews Cathy Swofford, a broker at Missoula Mortgage where she helps people find the loan they need to get into a home. She is a vetern of the US Air Force and has many years of experience as a broker in the state of Montana. Topics addressed in this episode: * The difference between a lender and a broker * Home inspections * Choosing a broker/lender * Home improvements and bad inspection reports * Asking the seller to make improvements * Using loans to pay for repairs * Earnest money * Title companies * The underwriting process Kyle and Cathy dive into these topics and more giving listeners great information and tangible action steps that can be taken to help them reach their own Closing Day on their first home! *Resources: * Missoula Mortgage (https://www.missoulamortgage.net/) - https://www.missoulamortgage.net/ Earnest Money: What You Need to Know and How Much is Enough? (https://thecollegeinvestor.com/22426/earnest-money/) - https://thecollegeinvestor.com/22426/earnest-money/ What are Title Companies and What Do They Do? (https://thelendersnetwork.com/what-does-a-title-company-do/) - https://thelendersnetwork.com/what-does-a-title-company-do/ Mortgage Underwriting: How to Ensure a Smooth Underwriting Process (https://thelendersnetwork.com/what-is-mortgage-underwriting/) - https://thelendersnetwork.com/what-is-mortgage-underwriting/ Visit our website (http://www.pintlergroup.com/) to contact us and for more information about Closing Day! You can also find us on Instagram @ClosingDayPodcast (https://www.instagram.com/closing_day_podcast/?hl=en) and on Facebook at Closing Day Podcast (https://www.facebook.com/Closing-Day-Podcast-2197268306996798/). Cathy can be contacted at: Email: mslamtg@gmail.com Phone: 406-721-0331 Special Guest: Cathy Swofford.

Closing Day Podcast 6: 30 Years to Life. The Mortgage Episode.

On the fifth episode of Closing Day, we talk about what it looks like to work with a realtor! Kyle interviews Andrew Squires, a realistate advisor with Engel & Volkers Western Frontier here in Missoula. Andrew has a background in business, education, and real estate, all of which have given him a powerful outlook on the home-buying process, helping our listeners get into their first home! Topics addressed in this episode: * What a realtor does * How to choose a realtor * Meeting with your realtor * Taking hold of the authority you have as a buyer * How many houses to look at before buying * How long it takes to get into your new home * How a realtor makes money * Ernest money * Making an offer on a home Kyle and Andrew dive into these topics and more giving listeners great information and tangible action steps that can be taken to help them reach their own Closing Day on their first home! *Resources: * How to choose the perfect real estate agent (https://www.washingtonpost.com/brand-studio/wp/2018/10/03/how-to-choose-the-perfect-real-estate-agent/?utm_term=.33b07ee186f2) - https://www.washingtonpost.com/brand-studio/wp/2018/10/03/how-to-choose-the-perfect-real-estate-agent/?utm_term=.33b07ee186f2 9 Things To Look For When Touring An Open House (https://www.forbes.com/sites/trulia/2014/06/20/9-things-to-look-for-when-touring-an-open-house/#16a82d23f94f) - https://www.forbes.com/sites/trulia/2014/06/20/9-things-to-look-for-when-touring-an-open-house/#16a82d23f94f Shoe Dog by Phil Knight (https://www.amazon.com/Shoe-Dog-Memoir-Creator-Nike-ebook/dp/B0176M1A44) - https://www.amazon.com/Shoe-Dog-Memoir-Creator-Nike-ebook/dp/B0176M1A44 How Realtors Work (https://home.howstuffworks.com/real-estate/buying-home/realtor5.htm) - https://home.howstuffworks.com/real-estate/buying-home/realtor5.htm Visit our website (http://www.pintlergroup.com/) to contact us and for more information about Closing Day! You can also find us on Instagram @ClosingDayPodcast (https://www.instagram.com/closing_day_podcast/?hl=en) and on Facebook at Closing Day Podcast (https://www.facebook.com/Closing-Day-Podcast-2197268306996798/). *Contact Andrew Squires: * Direct: 1-406-531-9682 Internet: https://andrewsquires.evusa.com/en/about-me.php Email: andrew.squires@evusa.com Facebook: @andrewsquiresrealty Instagram: @andrewsquiresrealestate Special Guest: Andrew Squires.

Closing Day Podcast 5: Real Talk. Real Estate Agents.

On the fourth episode of Closing Day, we talk about what it looks like to work with your lender as closing day approaches. Kyle interviews Julie Lapham, a loan officer with Mann Mortgage here in Missoula, Montana. With over 20 years of experience as a loan officer, Julie is an advocate for a simple, educational experience throughout the lending process. Topics addressed in this episode: * Selecting a lender * Safeguards in place to protect the buyer * Pre approval * Loan rate locks * Buying down interest rates and mortgage insurance * Understanding closing costs, origination fees, and taxes * Downpayment gifting * The 4 types of mortgages * The dos and don’ts of the lending process Kyle and Julie dive into these topics and more giving listeners great information and tangible action steps that can be taken to help them reach their own Closing Day on their first home! *Resources: * Mann Mortgage (Missoula) (https://missoula.mannmortgage.com/) - https://missoula.mannmortgage.com/ Julie's Website (https://julielapham.mannmortgage.com/) - https://julielapham.mannmortgage.com/ Which Type of Mortgage is Right for You? A Guide for Home Buyers (https://www.realtor.com/advice/finance/which-type-of-mortgage-is-right/) - https://www.realtor.com/advice/finance/which-type-of-mortgage-is-right/ What are Mortgage Points and How Do They Work? (https://www.daveramsey.com/blog/what-are-mortgage-points) - https://www.daveramsey.com/blog/what-are-mortgage-points Visit our website (http://www.pintlergroup.com/) to contact us and for more information about Closing Day! You can also find us on Instagram @ClosingDayPodcast (https://www.instagram.com/closing_day_podcast/?hl=en) and on Facebook at Closing Day Podcast (https://www.facebook.com/Closing-Day-Podcast-2197268306996798/). Special Guest: Julie Lapham.

Closing Day Podcast 4: Your New Best Friend: Loan Officers 101

On episode three of Closing Day, we address the process of choosing a lender and how to approach the financial piece of buying your first home all from a bank lender’s point of view. Kyle interviews Ronnie Stevens, a home lender at First Interstate Bank here in Missoula, Montana who has been working in this role for over 17 years. As a lender, Ronnie considers herself to be an educator, helping home buyers through this process that is often very confusing. She believes you can never be too early or too late when it comes to meeting with a lender so take advantage of the, often free, pre-qualification process Topics addressed in this episode: * Where to start when approaching the lending process * The pre-qualification process * How your credit score is determined and how to raise it * What makes a good lender and benefits of a local lender * HOA dues * Different types of loans * Property taxes and other pieces of a mortgage payment Ronnie and Kyle address the above topics and more as they dive into the lending process for first time homebuyers. *Resources: * Credit Karma (https://www.creditkarma.com/) - https://www.creditkarma.com/ First Interstate Bank Home Mortgage Information (https://www.firstinterstatebank.com/personal/borrowing/mortgage/) - https://www.firstinterstatebank.com/personal/borrowing/mortgage/ Forbes Article - A look Behind the Curtain: How to Choose a Mortgage Lender (https://www.forbes.com/sites/moneybuilder/2013/03/26/a-look-behind-the-curtain-how-to-choose-a-mortgage-lender/#61e48e6f2a30) - https://www.forbes.com/sites/moneybuilder/2013/03/26/a-look-behind-the-curtain-how-to-choose-a-mortgage-lender/#61e48e6f2a30 Home Buying Kit for Dummies by Eric Tyson and Ray Brown (https://www.dummies.com/store/product/Home-Buying-Kit-For-Dummies-6th-Edition.productCd-111919170X.html) - https://www.dummies.com/store/product/Home-Buying-Kit-For-Dummies-6th-Edition.productCd-111919170X.html Homeword Financial Education (http://www.homeword.org/our-services/financial-education/) - http://www.homeword.org/our-services/financial-education/ You can contact Ronnie at veronica.stevens@fib.com or (406)523-4377 Visit our website (http://www.pintlergroup.com/) to contact us and for more information about Closing Day! You can also find us on Instagram @ClosingDayPodcast (https://www.instagram.com/closing_day_podcast/?hl=en) and on Facebook at Closing Day Podcast (https://www.facebook.com/Closing-Day-Podcast-2197268306996798/). Special Guest: Ronnie Stevens.

Closing Day Podcast 3: Bills Bills Bills: How Much House Can I Afford

On the second episode of Closing Day, we tackle the topic of budgeting! Kyle interviews Katie Sadowski who teaches the Financial Fitness course at Homeword here in Missoula, Montana. Katie has a background in accounting and outdoor education, helping her become an excelent financial "quarterback" for the people who take her course. Topics addressed in this episode: * Preventing debt vs. recovering from debt * Budgeting on dreams not goals * Surprising facts about credit card debt * Risk assessment * Raising your checking floor * Budgeting wants vs. needs * Finding your own “financial quarterback” Katie brings a ton of energy to the podcast as she dives into these topics and more, helping you get closer to closing day! *Resources: * Homeword (http://www.homeword.org/) - http://www.homeword.org/ BankRate Mortgage Calculator (https://www.bankrate.com/calculators/mortgages/mortgage-calculator.aspx) - https://www.bankrate.com/calculators/mortgages/mortgage-calculator.aspx Smart about Money (https://www.smartaboutmoney.org/) - https://www.smartaboutmoney.org/ Dave Ramsey's EveryDollar (https://www.everydollar.com/) - https://www.everydollar.com/ Money Rules by Jean Chatzky (http://www.jeanchatzky.com/books/) - http://www.jeanchatzky.com/books/ Switch by Dan and Chip Heath (https://heathbrothers.com/books/switch/) - https://heathbrothers.com/books/switch/ MONEY Master the Game by Tony Robbins (https://www.tonyrobbins.com/money-master-game/) - https://www.tonyrobbins.com/money-master-game/ The Little Book of Common Sense Investing: The Only Way to Guarantee Your Fair Share of Stock Market Returns by John C. Bogle (https://www.amazon.com/Little-Book-Common-Sense-Investing/dp/1119404509/ref=sr_1_1?keywords=little+book+for+common+sense+investing&qid=1552334574&s=books&sr=1-1) - https://www.amazon.com/Little-Book-Common-Sense-Investing/dp/1119404509/ref=sr11?keywords=little+book+for+common+sense+investing&qid=1552334574&s=books&sr=1-1 Smart Women Finish Rich by David Bach (https://davidbach.com/books/) - https://davidbach.com/books/ Visit our website (http://www.pintlergroup.com/) for more information about Closing Day! You can also find us on Instagram @ClosingDayPodcast (https://www.instagram.com/closing_day_podcast/?hl=en) and on Facebook at Closing Day Podcast (https://www.facebook.com/Closing-Day-Podcast-2197268306996798/). Special Guest: Katie Sadowski.

Closing Day Podcast 2: 20% Say What?!

Welcome to Closing Day! This podcast is for anyone looking to get into their very first home. The steps to buying a property are complicated. How much house can I afford? Where do I start? Should I just rent the rest of my life? Hear from industry experts and get the knowledge necessary to approach the process confidently. If you’re looking to purchase your first home, you’re in the right place. This podcast will help get you closer to closing day! After listening to Closing Day, listeners will be able to make informed home buying decisions and gain the confidence needed to take control of the process.

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Closing Day

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