Ballantyne. Charlotte, N.C.

Ballantyne. Charlotte, N.C.

Today I was up early and went to meet a lender friend of mine at the Starbucks on Rea Road, near the Piper Glen subdivision.  Just to let you know, it was cold and I had a delicious Pumpkin Spice coffee, which is my favorite. My friend and I were sipping our hot gourmet coffee and talking about how nice Ballantyne is.  Residents can find just about everything they need within a few miles of where they live.

Ballantyne is basically an upscale new and expanding development with the best restaurants, hotels, fitness centers, specialized doctors, corporate offices, banking centers, walking trails, soppings centers, movie theaters, and you name it. Homes in Ballantyne varies from the low 200,000 to over a million dollars.

There are some really hot spots in Ballantyne. StoneCrest on the corner of Rea Road and Ballantyne Commons is an attractive place for the youngsters, where they can meet friends, go to the movies, to the bookstore, and enjoy some of their favorite fast food restaurants. A few miles south of StoneCrest, Blackney offers a variety of places where people can shop, eat, or just go for a walk. Featuring stores includes Old Navy, Brixx Pizza, Harris Teeter, Target, and Marshall’s. But if you prefer live music and enjoy good ice cream, then you need to go to the corner of Providence Road and Ballantyne Commons. There you can find good sushi, Cold Stone ice cream, Lowes Food, among others.

If you have not yet visited Ballantyne, make sure you do. If you are planning to buy a house, Ballantyne offers it all.

For more information about Ballantyne or any other neighborhood in Charlotte, NC, please visit www.MyCasaBela.com

Maria Ferreira - Realtor/Broker Charlotte NC & SC

Nothing Less Than What You Should Expect From a Realtor!

Maria is committed to providing a variety of real estate services to a diverse group of clients. These services include but are not limited to proficiently lead her clients during the process of buying and selling residential real estate properties in North and South Carolina but with a special focus in South Charlotte and Fort Mill. Maria has an extensive experience with first time home buyers, short sales, foreclosures, HUD homes and more. She is part of a team of professionals striving to provide clients with superior services. Although, teamwork is the trade mark of the group that shares, understands, and exceeds expectations when performing in any aspect of the real estate business, as individuals, each one of them have somehow specialized in one or more specific field in order to better address the needs of  clients. Maria is a buyer’s agent, and she works directly with the buyers guiding them through the process of getting qualified, choosing the most effective lenders and programs , understanding the implication, advantages, and responsibilities involved  in buying a home, looking for the right home at the most affordable price, submitting an acceptable offer, negotiating on behalf of the buyers, and most important, giving the buyer the peace of mind and assurance that choosing the right Realtor is the first step  in completing a successful real estate transaction

Maria Ferreira is a native of Brazil and has been living in the USA for the past 19 years. After living in Florida for most of this time, her family decided to relocate to Charlotte and she loves it. Maria has a Florida Atlantic University Bachelor’s degree in Business Health Care Management, but it is in real estate that she has found her passion. She speaks English, Spanish, and Portuguese which gives her the capability of providing real estate service to a diversified group of people.  She is very personable and takes every opportunity she has to learn from others. She believes that a great Realtor will make the difference when her clients are purchasing and selling real estate. One of Maria’s goals is to carefully guide her clients throughout the entire process and provide high quality service that will result in a positive experience for every one of the people she works with.

Maria Ferreira

Realtor/Broker NC-SC

maria@mycasabela.com

704-287-7468 Cell

704-248-6127 Fax

CasaBela Realty

http://www.MyCasaBela.com

“It is all about attitude. “Life is 10% what happens to me and 90% how I react to it… We are in charge of our attitudes” (C. Swindol)

Introducing CasaBela Realty, Real Estate Consultants in Charlotte, NC

CasaBela Realty Real Estate Consultants

Introducing CasaBela Realty, Real Estate Consultants Maria Ferreira and John Paul Soto are proud and honored to introduce CasaBela Realty, Real Estate Consultants. CasaBela Realty is a real estate company specializing in residential properties providing full service to residents in Charlotte, NC and surrounding areas. After working several years in real estate and enjoying great success in client satisfaction and results, we felt the need and desire to create our own company.  At CasaBela, we take pride in offering our listing clients and buyers with state-of-the-art technology, internet marketing, high class advertising, area knowledge and expert negotiation skills. CasaBela Realty is dedicated to providing the highest level of customer service, making our clients our number one priority. Our Clients never have to wonder, “What has my agent done for me lately?We stay in touch with our clients on a weekly basis and deliver proof of our extensive marketing strategy. Maria Ferreira Owner/REALTOR Broker Maria is mostly a buyer’s agent, as she works directly with the buyers guiding them through the process of qualification, choosing the most effective lenders and programs , understanding the implication, advantages, and responsibilities involved in buying a home, looking for the right home at the most affordable price, submitting an acceptable offer, negotiating on behalf of the buyers, and most importantly, giving the buyer the peace of mind and assurance that choosing the right Realtor is the first step  in completing a successful real estate transaction. Maria is fluent in Portuguese, English and Spanish. John Paul Soto Owner/REALTOR Broker John Paul is the seller’s connection and his specialty is web marketing and technology. John Paul is dedicated to providing the resources, expertise, and guidance to clients who are ready to sell their homes. From the initial contact with the seller to the closing of the deal, John Paul meets with the clients and assists them with staging the house and setting the listing price based on a careful and comprehensive market study. He provides facts and local statistics about subdivisions or neighborhoods, which is crucial for the client to make a wise decision when setting the listing price. He is also the source for promotion and marketing, which involves exposing the property to the buyers and Realtors by using several sources of online media, colorful flyers and brochures, property websites, social networking sites, and much more. By making weekly contact with the client and providing up to date information about the home selling process, viewing statistics, and inquiries, John Paul assures the seller that his commitment and the services he provides are essential for the successful closing of a deal. John Paul is fluent in English and Spanish. Vanessa Castaneda CasaBela Administrative Coordinator Vanessa is the professional in charge of making sure our clients always have everything they need, when they need it!  She is responsible for coordinating all closing-related activities and ensuring your closing processes smoothly and without issue.  When a property goes under contract, Vanessa manages the documentation process by setting up inspections, closing attorney, communicates with all parties, orders home warranties, contacts the lender, and handles any unexpected problem that could interfere with a timely closing of the transaction. Vanessa is CasaBela’s support person. She maintains written communication with previous and current clients, designs and distributes promoting and working materials, keeps up with daily schedules, keeps in touch with prospective clients, and most importantly, Vanessa makes sure that the day to day operations of the business runs in a way that benefits not only each Agent at CasaBela Realty, but the clients who we serve. Vanessa is the connection providing value to clients, lenders, service provides, and CasaBela business partners. Vanessa is fluent in Portuguese, English and Spanish. Let us show you why CasaBela Realty is different in a good way. We appreciate and value every client and their referrals and our level of service demonstrates that appreciation. Let us guide you through the home buy/sell process and help make your real estate dreams a reality! . Thanks, . CasaBela Realty Real Estate Consultants Maria Ferreira 704-287-7468 Maria@MyCasaBela.com John Paul Soto 704-200-3232 JP@MyCasaBela.com Vanessa Castaneda 704-968-9043 Vanessa@MyCasaBela.com

Riverchase Estates. A desirable South Carolina Community!

Riverchase Estates. A desirable South Carolina Community!

Riverchase Estate Entrance

Riverchase Estates is a desirable community full of old world charm and modern amenities, mature trees, beautiful landscapes, 500 acres of natural trails and 2 1/2 miles of river access, private lake and a breathtaking club house. Located in South Carolina along the Catawba River just 25 minutes from the captivating city of Charlotte, and minutes from Ballantyne area! Riverchase Estates will be one of the most desirable communities in the area.

Riverchase Estate Map

The main boulevard or Riverchase Estates will be surrounded by preserve trees and beautiful landscapes. Design your costume dream home in a peaceful and beautiful setting and give your family the privacy and safety that they deserve. Riverchase Estates will be a gated community.

Riverchase Estate Club House

A distinguish club house reminiscent to a stately European castle will be your favorite place in Riverchase Estates. Riverchase Estates 10,000 SQ FT club house will feature an indoor state-of-the-art fitness center, theater room, basketball and tennis courts, play ground, amphitheater and a beautiful pool!

In Riverchase Estates you buy now and built later, bring your own builder and built your dream home. The developer is LGI. Beginning with their first acreage homesite community in Magnolia, Texas in 1995, LGI Development has grown from a respected local land developer into a nationally recognized corporation. LGI is so confident in the property that they are offering two year guarantee. The guarantee states that if in 24 months or more after the day you closed in your property, your land appraises for less than the price you paid, LGI will give you the difference. No question asked.

Riverchase Estates 1+ acres homesites are extremely affordable and well designed. The Riverchase Estates lots start in the high $60s!!! and they keep going up… If you wish to obtain more information and a personal tour of the area, please call (704)200-3232 or send us an email johnpaul.soto@exitsouth.com or call Sabir Mujtaba at 817-975-5404 or email him at sabir@lgiland.com, Sabir is the sales representative at Riverchase Estates. Through The Soto & Ferreira Group or by mention our name as the source of contact to Sabir, and you will be able to get a special discount!!!

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Thanks,

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(Note: I apologize for any grammatical errors in this blog. My primary language is Spanish and I am currently working on improving my grammar in English. Thanks for understanding.

John Paul Soto

John Paul Soto choose to work in Charlotte, NC real estate because he genuinely enjoy working with people, and believe it is an industry that rewards dedication and personal initiative. He also want to give back to his community, and he is currently employed as a firefighter for the Charlotte Fire Department.

John Paul Soto was born and raised in Guatemala, and moved to Charlotte in 2002 to attend college. He is currently pursuing a Bachelor’s degree in Business Management, and will continue to make his home in Charlotte, NC after graduation.

He takes great pride in his accomplishments and hope to continue to build a successful track record helping other people achieve theirs. He is now part of “The Soto and Ferreira Group” on of Charlotte’s NC best Real Estate Groups.

Thanks,

John Paul

John Paul Soto

Slowly… A poem by my daughter.

I really wanted to share this poem with people who can appreciate a complex expression of simplicity, deepness, and love for nature. My doughter Aimie writes poems, and this one touched me deeply. Enjoy it!!

Foreclosure Prevention. Loan Modification for homeowner. Charlotte NC

Foreclosure Prevention. Loan Modification for homeowner.

Foreclosure Prevention

Loan Modification Definition.

Loan modification is a process in which the lender works with the homeowner who is facing foreclosure or financial hardship and is having trouble making mortgage payment. The lender’s goal is to change the terms of the mortgage loan and make it affordable for the borrower.  The new terms for the loan will vary from lender to lender. Some of the changes could include: Temporary or permanent changes to the mortgage rate, term and monthly payments, the past due amount could be rolled into the loan, and the new balance re-amortized.

What to expect under President Obama’s  plan?

The main goal of the Loan Modification program under President Obama’s “Homeowner Affordability and Stability Plan” announced on February 18, 2009, is to reduce the monthly mortgage payments for homeowner struggling to make the payment.

• The Lender has to bring down interest rates so the monthly payments don’t exceed 38% of the borrower’s income.
• This initiative will match dollar-for-dollar any further reduction until the ratio comes down to 31%.
• The principal will also be reduced, if necessary, to lower the monthly payments. The Treasury Department will share the costs.
• Homeowner will be on a trial test with the new monthly payment for 3 months. If they make every payment on time the new rate and monthly payments will be fixed for five years.

Requirements for Eligibility

• Your mortgage had to be originated before January 1, 2009
• Owner-occupant (No investors)
• Unpaid balance of $729,750 or less.
• Be in financial hardship.
  • Due to increase in your mortgage
  • Income reduction
  • Suffer Hardship
  • Note: If you cannot afford the home due to job loss or a complete inability to pay, you will not qualify.
• Monthly payments have to be 31% of your gross monthly income.

There are several non-profit organizations in Charlotte NC and surrounding areas that can help you at no cost.

The Housing Partnership

4601 Charlotte Park Dr. Ste 350, Charlotte, NC 28217       (704) 342-0933

NACA (Neighborhood Assistance Corporation of America)

4822 Albemarle Rd, Charlotte, NC 28205      (704) 536-7676

HOPE

For more information visit http://www.makinghomeaffordable.gov/ or call us, we will assist you with any questions or need you have…

We hope you’ll find this information useful!

(Note: I apologize for any grammatical errors in this blog. My primary language is Spanish and I am currently working on improving my grammar in English. Thanks for understanding.)

John Paul Soto

John Paul Soto choose to work in Charlotte, NC real estate because he genuinely enjoy working with people, and believe it is an industry that rewards dedication and personal initiative. He also want to give back to his community, and he is currently employed as a firefighter for the Charlotte Fire Department.

John Paul Soto was born and raised in Guatemala, and moved to Charlotte in 2002 to attend college. He is currently pursuing a Bachelor’s degree in Business Management, and will continue to make his home in Charlotte, NC after graduation.

He takes great pride in his accomplishments and hope to continue to build a successful track record helping other people achieve theirs. He is now part of “The Soto and Ferreira Group” on of Charlotte’s NC best Real Estate Groups.

Thanks,

John Paul

Do not miss the South End Art and Soul Festival. Charlotte NC

Do not miss the South End Art and Soul Festival in Charlotte NC

The Art and Soul Festival

The weekend is going to be sunny and hot, and a perfect Day to take your family and friends out for 2 days of fun, visual, performing, and children’s art, dance, food, and more at The South End Art & Soul Festival… If you live or are visiting Charlotte, NC, you most attend this family fun free festival. The South End Art & Soul festival is a community interactive festival where visitors of all ages enjoy to spend the day out, shopping for quality art products, such as jewelry, painting, sculptures; listening to great music, and participating and learning new moves, such as hip-hop, salsa, and swing on the dance floor. The Art & Soul Festival is free for everyone. Visitors will have the opportunity to meet with Charlotte area professionals and amateur dancers after their performance. Children will enjoy the free art festival featuring hands-on projects like painting, weaving, sculpting, drawing, and more… Do not miss The Art & Soul Festival, a great Charlotte community event!!!

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Event Hours for The Art & Soul Festival in Charlotte NC
April 25 & 26, 2009
Saturday: 10am – 7pm
Sunday: 10am – 5pm

The Art & Soul Festival. Event Location
Camden Road
Charlotte, NC

The Art & Soul Festival Map Location

For your convenience, the best option is to use the Light Rail. I will see you there

Light Rail
Quick and Easy to use! Only $1.30 for a one-way ticket. Two stops are within the festival site – East/West and Bland St. stops – so just jump right on and ride it to our event! For more detailed information check out The Station Guidebook which includes a schedule, maps, station highlights and more!

Maria Ferreira Realtor/Broker

Maria Ferreira

Realtor/Broker

Soto Ferreira Real Estate Group

www.yourcharlotteagents.com

maria.ferreira@exitsouth.com

Exit Realty South

4401 Barclay Downs Dr Suite 1

Charlotte NC 28209

704 602 9935

“Difficulties are lessons, obstacles are challenges, impossibilities are invitations”

Nothing less than what you expect from a Realtor!

Maria is committed to providing a variety of real estate services to a diverse group of clients. These services include but are not limited to proficiently lead her clients during the process of buying and selling residential real estate properties in North and South Carolina but with a special focus in South Charlotte and Fort Mill. Maria has an extensive experience with first time home buyers, short sales, foreclosures, HUD homes and more. She is part of a team of professionals striving to provide clients with superior services. Although, teamwork is the trade mark of the group that shares, understands, and exceeds expectations when performing in any aspect of the real estate business, as individuals, each one of them have somehow specialized in one or more specific field in order to better address the needs of  clients. Maria is a buyer’s agent, and she works directly with the buyers guiding them through the process of getting qualified, choosing the most effective lenders and programs , understanding the implication, advantages, and responsibilities involved  in buying a home, looking for the right home at the most affordable price, submitting an acceptable offer, negotiating on behalf of the buyers, and most important, giving the buyer the peace of mind and assurance that choosing the right Realtor is the first step  in completing a successful real estate transaction

Maria Ferreira is a native of Brazil and has been living in the USA for the past 19 years. After living in Florida for most of this time, her family decided to relocate to Charlotte and she loves it. Maria has a Florida Atlantic University Bachelor’s degree in Business Health Care Management, but it is in real estate that she has found her passion. She speaks English, Spanish, and Portuguese which gives her the capability of providing real estate service to a diversified group of people.  She is very personable and takes every opportunity she has to learn from others. She believes that a great Realtor will make the difference when her clients are purchasing and selling real estate. One of Maria’s goals is to carefully guide her clients throughout the entire process and provide high quality service that will result in a positive experience for every one of the people she works with.

Ask me how to make extra income by joining Exit Realty.. It is easy.. it is for life!!

Charlotte North Carolina Realtors® helping homeowners in need!!! Realtors® Care Day…

Charlotte North Carolina Realtors® helping homeowners in need!!!

Part 1: Before the big day…

The incredible formula:

Formula for Success. Realtors Care Day Charlotte NC

600 Realtors® + 32 Homes in need + 1 big day + 1 purpose = REALTOR® CARE DAY!!!

Unfortunately, due to economic crisis throughout the world some homeowners are faced with tough times and no money to fix their homes. Fortunately, Realtors understand the needs of homeowners. We know that some of them are  unable to keep up with their homes and stay current with their mortgage payments; therefore, we want to help them and help our community.

More than 600 Charlotte Realtors are getting together on April 24, 2009 with one big purpose of helping 32 homes in need of repairs throughout Mecklenburg and Iredell Counties. It is an initiative of the Charlotte Regional Realtor® Association (CRRA) Housing Opportunity Foundation (HOF).  This is not an easy project. Coordinating an event of this magnitude requires a lot of time and effort! CRRA and HOF are doing an unbelievable job coordinating this event.  We thank them for all their hard work!

My Team will consist of 29 Realors… We would be doing some roof repairs, yard work and possibly a tree removal…  This is the “before” of the event picture of the home site….

Our Home Site for Realtor Care Day

Thanks to our partners for helping to make Realtors® Care Day a success!

Grants
National Association of Realtors® Housing Opportunity Program

Realtors® Care Day Steering Committee
Realtors® Care Day is being organized and led by your fellow Realtors®. A special thanks to Joe Rempson, 2009 Realtors® Care Day chair, and his core committee Lee Ann Brown and Pearl Jones Smith, celebration event co-chairs; Bill Balatow, logistics chair; Vina Accomazzo, marketing chair; Daniel Cottingham, Jr., site locations chair; Mike Hege and Kerry Stecher, sponsorship co-chairs; and Cam Barnett and Roger Parham, volunteer co-chairs

Read Part 2: After the big day!!!  With stories, comments, details and pictures…

Thanks… and see you later…

(Note: I apologize for any grammatical errors in this blog. My primary language is Spanish and I am currently working on improving my grammar in English. Thanks for understanding.)

John Paul Soto

John Paul Soto choose to work in Charlotte, NC real estate because he genuinely enjoy working with people, and believe it is an industry that rewards dedication and personal initiative. He also want to give back to his community, and he is currently employed as a firefighter for the Charlotte Fire Department.

John Paul Soto was born and raised in Guatemala, and moved to Charlotte in 2002 to attend college. He is currently pursuing a Bachelor’s degree in Business Management, and will continue to make his home in Charlotte, NC after graduation.

He takes great pride in his accomplishments and hope to continue to build a successful track record helping other people achieve theirs. He is now part of “The Soto and Ferreira Group” on of Charlotte’s NC best Real Estate Groups.

Thanks,

John Paul

Charlotte North Carolina One of the Top 3 U.S. Cities for Relocation

Charlotte North Carolina One of the Top 3 U.S. Cities for Relocation

Relocate to Charlotte N.C.

Great news for Charlotte N.C homeowners, Charlotte N.C. sellers, Charlotte N.C. Realtors, Charlotte N.C. Lenders, and Charlotte N.C. Relocation companies!

I just read an article on Forbes.com about the top 10 cities to where Americans are Relocating. To determine the fastest-growing metro areas in the country, we used 2008 population estimates for metropolitan statistical areas with a population over 1 million, released March 19, 2009 by the U.S. Census Bureau. They compare the results to those from 2008 and to my surprice Charlotte N.C. was in the top 3!

“The top three areas according to the data are Raleigh, N.C ranking first, which jumped 4.29% to nearly 1.9 million; Austin Texas, which came in second, with a 3.77% increase to almost 1.7 million; and Charlotte N.C. , which moved up 3.36% to 1.7 million” according to Forbes.

To read the entire article, click on Forbes.com …

Take care and see you soon!

(Note: I apologize for any grammatical errors in this blog. My primary language is Spanish and I am currently working on improving my grammar in English. Thanks for understanding.)

*Picture courtesy  of  jacreative

John Paul Soto

John Paul Soto choose to work in Charlotte, NC real estate because he genuinely enjoy working with people, and believe it is an industry that rewards dedication and personal initiative. He also want to give back to his community, and he is currently employed as a firefighter for the Charlotte Fire Department.

John Paul Soto was born and raised in Guatemala, and moved to Charlotte in 2002 to attend college. He is currently pursuing a Bachelor’s degree in Business Management, and will continue to make his home in Charlotte, NC after graduation.

He takes great pride in his accomplishments and hope to continue to build a successful track record helping other people achieve theirs. He is now part of  “The Soto and Ferreira Group” on of Charlotte’s NC best Real Estate Groups.

Thanks,

John Paul

Barclay Downs, Charlotte N.C. One of Charlotte Most Exclusive and Prestigious Neighborhoods!

Barclay Downs, Charlotte N.C. One of Charlotte Most Exclusive and Prestigious Neighborhoods!

Barclay Downs is home to our great Real Estate office Exit Realty South . This wonderful neighborhood is one of Charlotte’s most exclusive and prestigious neighborhoods. With beautiful landscapes throughout all the streets, Barclay Downs is a great place to live. Barclay Downs homes are mostly traditional with a 1950’s style. Prices range from the low $300’s to the low one million. Barclay Downs is one of the lowest price range neighborhood for Myers Park school district.  Barclay Downs neighborhood is within walking distance to SouthPark mall, groceries stores, fitness centers, and shopping centers.

Barclay Downs Map Charlotte N.C.

Call or email us to learn more about other features of this unique neighborhood…

Thanks..

The Soto & Ferreira Group

(Note: I apologize for any grammatical errors in this blog. My primary language is Spanish and I am currently working on improving my grammar in English. Thanks for understanding.)

John Paul Soto

John Paul Soto choose to work in Charlotte, NC real estate because he genuinely enjoy working with people, and believe it is an industry that rewards dedication and personal initiative. He also want to give back to his community, and he is currently employed as a firefighter for the Charlotte Fire Department.

John Paul Soto was born and raised in Guatemala, and moved to Charlotte in 2002 to attend college. He is currently pursuing a Bachelor’s degree in Business Management, and will continue to make his home in Charlotte, NC after graduation.

He takes great pride in his accomplishments and hope to continue to build a successful track record helping other people achieve theirs. He is now part of  “The Soto and Ferreira Group” on of Charlotte’s NC best Real Estate Groups.

Thanks,

John Paul

Wilmore, Charlotte N.C. One of Charlotte’s Fastest Growing Neighborhoods!

Wilmore, Charlotte N.C. One of Charlotte’s Fastest Growing Neighborhoods!

Wilmore, Charlotte N.C.

Wilmore is known as one of Charlotte’s NC fastest upcoming neighborhood. With perfect location minutes from uptown Charlotte , Wilmore is a beautiful place to live. Wilmore has gorgeous bungalows with prices ranging from under $100,000 to the high $500,000, and view of uptown Charlotte from almost every street. Wilmore is located minutes from South End, Dilworth, the Trolley line, Bank of America Stadium, I-77 and I-277…

If you want to know more about Wilmore, Please call us or email us, The Soto & Ferreira Group , and I we love to tell you more about it and give you a personal home tour.

Check out our hot listing in Wilmore….  1566 Wilmore Dr.

1566 Wilmore Dr. Charlotte NC 28203

If you would like to pre-view this home or any other in Wilmore, call us to schedule an appointment…

Wilmore Charlotte N.C.

(Note: I apologize for any grammatical errors in this blog. My primary language is Spanish and I am currently working on improving my grammar in English. Thanks for understanding.)

John Paul Soto

John Paul Soto choose to work in Charlotte, NC real estate because he genuinely enjoy working with people, and believe it is an industry that rewards dedication and personal initiative. He also want to give back to his community, and he is currently employed as a firefighter for the Charlotte Fire Department.

John Paul Soto was born and raised in Guatemala, and moved to Charlotte in 2002 to attend college. He is currently pursuing a Bachelor’s degree in Business Management, and will continue to make his home in Charlotte, NC after graduation.

He takes great pride in his accomplishments and hope to continue to build a successful track record helping other people achieve theirs. He is now part of  “The Soto and Ferreira Group” on of Charlotte’s NC best Real Estate Groups.

Thanks,

John Paul