121004 - citimortgage v barabas in supreme mers no note holder
TRANSCRIPT
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7/31/2019 121004 - Citimortgage v Barabas IN Supreme MERS No Note Holder
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KRROPFHST IOP KWWHAAKFRKpdlct K& Wkpktlkpknc]ktlcfmrof! B&D&
Lkpps ]& DkwwhaFkrlkf L& @aktjh
Dcfdcffkrc! Olco
Nkrrlh} T& AoyhCfbckfkwoact! Cfbckfk
KRROPFHST IOP KNCDXTDXPCKH CFBCKFK @KFJHPTKTTODCKRCOF!CFD&Rlhoboph E& Fo}kdjcBkycb E& Expjch}cduCfbckfkwoact! Cfbckfk
KRROPFHST IOP KWWHAAHHPHDKTK ICFKFDCKA MPOXW!AADDlpctrowlhp D& Lkmhfo}Tkpkl Trcrht NcaatwkxmlCfbckfkwoact! Cfbckfk
KRROPFHST IOP KWWHAAHHPCDJ K&TKFBHPTBofkab A& DhfrhptNkps K& TakbhDkpnha! Cfbckfk
Cf rlh
Cfbckfk Txwphnh Doxpr
Fo& 2
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Of Whrcrcof ro Rpkftihp ipon rlh Cfbckfk Doxpr oi Kwwhkat! Fo& 2
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pkcthb ixfbt rlpoxml dxtronhp bhwotcrt kfb aokfhb rloth ixfbt oxr ro @oppo}hp& Thh cb& Ahfbhp
phrkcfhb `orl rlh noprmkmh kfb rlh wponcttops forh xfrca @oppo}hp lkb wkcb lct bh`r cf ixaa& Cb&
Robks! k rswcdka noprmkmh ct `hrrhp bhtdpc`hb kt k nktt bhaxtcof! cf }lcdl @oppo}hp kfb Ahfbhp
kph eocfhb `s Aokf Thpycdhp! Rcrah Donwkfs! Noprmkmh @pojhp! Xfbhp}pcrhp! Rpxtrhh! kfbykpcoxt orlhp dlkpkdrhpt rlkr ikdcacrkrh rlh fhmorckrcof oi noprmkmht of rlh thdofbkps nkpjhr&
Thh Dlpctrowlhp A& Whrhptof! Iophdaotxph! Tx`wpcnh Noprmkmh Ahfbcfm! kfb rlh Noprmkmh
Hahdrpofcd Phmctrpkrcof Tstrhn! =< X& Dcf& A& Phy& ;483! ;49=9< ,077307;7#&
Rlh dlkfmh `hmkf cf rlh ;3=7t }crl rlh cfyhfrcof oi rlh noprmkmh.`kdjhb thdxpcrs! k
icfkfdcka cftrpxnhfr rlkr kaao}hb cfyhtropt ro rpkbh noprmkmht cf rlh tknh }ks rlkr rlhs rpkbhb
trodjt kfb `ofbt& Bkycb Nhtthptdlncrr! Forh! Oyhpych} oi rlh Tx`wpcnh Noprmkmh Nkpjhr! 0=
Phy& @kfjcfm ) Icf& A& 4! 4 ,077=#& Icptr! k `oppo}hp }opjt }crl k `pojhp ro o`rkcf k aokf ipon
k ahfbhp! }lo phdhcyht dphbcr ipon kf cfyhtrnhfr `kfj ro ixfb rlh aokf& Cb& Rlh ahfbhp rlhf thaat
rlh aokf `kdj ro rlh cfyhtrnhfr `kfj! }lcdl `xfbaht cr romhrlhp }crl k ih} rloxtkfb orlhpt kfb
bcycbht rlh `xfbah cfro tlkpht& Cb& Rlhth tlkpht kph toab ro cfyhtropt! }lo phdhcyh k dhprkcf
knoxfr oi rlh cfdonh rlkr rlh `xfbah hkpft hyhps nofrl }lhf `oppo}hpt nkjh rlhcp noprmkmh
wksnhfrt&4 Cb&
Rlct wpodhtt! dkaahb thdxpcrcukrcof! xthb ro ph{xcph nxarcwah txddhttcyh kttcmfnhfrt!
hkdl oi }lcdl lkb ro `h phdopbhb of rlh doxfrs ahyha kr doftcbhpk`ah cfdofyhfchfdh kfb h|whfth
ro rlh cfyhtrnhfr `kfjt cfyoayhb& Dlpctrowlhp A& Whrhptof! R}o Ikdht5 Bhnstrciscfm rlh
Noprmkmh Hahdrpofcd Phmctrpkrcof Tstrhnt Akfb Rcrah Rlhops! 84 ]n& ) Nkps A& Phy& ;;;!
;;9 ,07;;07;0#& Cf rlh ncb.;337t! thhjcfm ro knhacopkrh rloth hycat! k doftoprcxn oi
4 Rlh nkpjhr iop rlhth thdxpcrcht mph} wphdcwcroxtas cf rlh hkpas shkpt oi rlh r}hfrs.icptr dhfrxps `hiophxarcnkrhas doaakwtcfm xfbhp rlh }hcmlr oi k doaahdrcyh nctkwwphlhftcof rlkr `orl rlh `oppo}hp bhikxar pkrhkfb rlh phka htrkrh kwwphdckrcof pkrh }oxab phnkcf doftctrhfr: cf phkacrs! rlh iopnhp poth kt tlkpwas kt rlhakrrhp bpowwhb& Thh Nhtthptdlncrr! txwpk! kr 42: Rlct Knhpcdkf Acih5 Rlh Mckfr Wooa oi Nofhs! DlcdkmoWx`acd Pkbco ,Nks 3! 077
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cfyhtrnhfr `kfjt dphkrhb Noprmkmh Hahdrpofcd Phmctrpkrcof Tstrhnt! Cfd& ,NHPT#& Cb& NHPT
nkcfrkcft k donwxrhp bkrk`kth bhtcmfhb ro rpkdj thpycdcfm kfb o}fhptlcw pcmlrt oi noprmkmh
aokft kfs}lhph cf rlh Xfcrhb Trkrht& Whrhptof! Iophdaotxph! txwpk! kr ;49;& NHPT nhn`hp
`kfjt actr NHPT kt `orl foncfhh iop Ahfbhp kfb kt noprmkmhh of rlhcp noprmkmhbodxnhfrt& Jhycf N& Lxbtwhrl! Dakpciscfm Nxpjs NHPT5 Boht Noprmkmh Hahdrpofcd
Phmctrpkrcof Tstrhnt! Cfd&! Lkyh Kxrlopcrs ro Kttcmf rlh Noprmkmh Forh cf k Trkfbkpb Caacfoct
Iophdaotxph Kdrcof?! 4; F& Caa& X& A& Phy& ;! 3 ,07;7.07;;#& NHPT nhn`hp `kfjt dkf rlhf `xs
kfb thaa rlh forh knofm rlhnthayht }crloxr phdopbcfm kf kttcmfnhfr oi rlh noprmkmh& Cb& Cf rlh
hyhfr oi bhikxar! NHPT tcnwas kttcmft rlh noprmkmh ro }lcdlhyhp nhn`hp `kfj dxpphfras o}ft
rlh forh! kfb rlkr kfj iophdaotht of rlh `oppo}hp& Cb&
Robks! k`oxr 97 whpdhfr oi rlh fkrcoft phtcbhfrcka noprmkmht kph phdopbhb cf rlh fknh oi
NHPT pkrlhp rlkf cf rlh fknh oi rlh `kfj! rpxtr! op donwkfs rlkr kdrxkaas lkt k nhkfcfmixa
hdofoncd cfrhphtr cf rlh phwksnhfr oi rlh bh`r&2 Whrhptof! R}o Ikdht! txwpk! kr ;;=& Rlkr icmxph
cfdaxbht rlh noprmkmh kr cttxh cf rlct dkth&
@& Rlh Cp}cf Noprmkmh
Of Kxmxtr
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xfbhp rlh ak}t oi Bhak}kph! kfb lkt kf kbbphtt kfb rhahwlofh fxn`hp oi W&O&@o| 0709! Iacfr! NC 2
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@kpk`kt kwwkphfras ihaa `hlcfb of lhp o`acmkrcof ro PhDktk& Of Exfh ;4! 077
icahb txcr kmkcftr @kpk`kt kfb Cp}cf8
cf rlh Nkbctof Dcpdxcr Doxpr& PhDktk ph{xhtrhb! knofm
orlhp phachi! iophdaotxph oi rlh noprmkmh kfb k tlhpciit tkah oi rlh wpowhprs& Kirhp phdhcycfm
thpycdh oi wpodhtt! Cp}cf icahb k Bctdakcnhp oi Cfrhphtr cf rlh Nkbctof Dcpdxcr Doxpr of Exfh04! 077
Wakcfrciit Donwakcfr& Kww& kr 8;&
Nhkf}lcah! of Exas ;8! 077
@kfjpxwrds Doxpr iop rlh Toxrlhpf Bctrpcdr oi Cfbckfk& Whplkwt xftxpwpctcfmas cf acmlr oi lhp
kwwkphfr icfkfdcka tcrxkrcof! @kpk`kt bcb for phtwofb ro PhDktkt iophdaotxph donwakcfr! to of
Thwrhn`hp 3! 077
kirhp phdhcycfm forcdh rlkr @kpk`kt lkb `hhf bctdlkpmhb oi lhp bh`r cf rlh ihbhpka `kfjpxwrds
wpodhhbcfm! rlh Nkbctof Doxfrs rpcka doxpr knhfbhb crt bhikxar exbmnhfr kfb opbhphb rlkr rlh
Nkbctof Doxfrs wpowhprs `h toab cf k tlhpciit tkah&
@kdj cf ihbhpka doxpr! of Thwrhn`hp 00! 077
kxronkrcd trks! kaahmcfm rlkr cr lkb k thdxpcrs cfrhphtr cf rlh Nkbctof Doxfrs wpowhprs rlkr wph.
bkrhb @kpk`ktt Exas ;8 `kfjpxwrds whrcrcof& Kww& kr ;88& Kt ofh oi @kpk`ktt dphbcropt!
PhDktk phdhcyhb thpycdh oi Dcrcnoprmkmht norcof& Of Thwrhn`hp 04! PhDktkt doxftha thfr k
ahrrhp ro rlh krropfhs }lo lkb icahb rlh norcof of Dcrcnoprmkmht `hlkai ro cfiopn lcn rlkr
PhDktk lkb iophdaothb of rlh wpowhprs& PhDktkt doxftha hfdaothb dowcht oirlh donwakcfr! rlh
iophdaotxph donncrnhfr! kfb rlh knhfbhb bhikxar exbmnhfr& Of Odro`hp 03! rlh `kfjpxwrds
doxpr hfrhphb kf opbhp bctdlkpmcfm @kpk`kt ipon whptofka ack`cacrs of lhp bh`rt&
8 PhDktk kato fknhb @kpk ktt lxt`kfb! @pckf! cf rlh ak}txcr kt mxkpkfrop iop lhp bh`r& Rlh dakcnkmkcftr @pckf @kpk`kt ct for kr cttxh cf rlct kwwhka&
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Rlh tlhpciit tkah oddxpphb of Ekfxkps 04! 0773! kfb PhDktk wxpdlkthb rlh wpowhprs iop
"98!777& Of Nkpdl 2! 0773! PhDktk phdopbhb rlh tlhpciit bhhb cf rlh oiicdh oi rlh Nkbctof
Doxfrs Phdopbhp& Of Nkpdl ;=! 0773! PhDktk toab rlh wpowhprs ro Pcdj K& Tkfbhpt&
B& Rlh Kttcmfnhfr oi rlh Cp}cf Noprmkmh kfb Dcrcnoprmkmht CfrhpyhfrcofOf Kwpca ;! 0773! NHPT kttcmfhb rlh Cp}cf noprmkmh ro Dcrcnoprmkmh! kfb rlkr
kttcmfnhfr }kt phdopbhb cf rlh oiicdh oi Nkbctof Doxfrs Phdopbhp of Kwpca 07& Of Odro`hp 04!
0773! Dcrcnoprmkmh icahb k norcof wxptxkfr ro Cfbckfk Rpcka Pxaht 02,K# kfb 97,@# thhjcfm ro
cfrhpyhfh cf PhDktkt iophdaotxph ak}txcr kfb ph{xhtrcfm rlkr rlh doxpr nobcis crt exbmnhfr ro
wpoycbh rlkr rlh exbmnhfr mpkfrhb ro PhDktk Icfkfdcka ct tx`ehdr ro rlh noprmkmh fo} lhab `s
Dcrcnoprmkmh! Cfd& Kww& kr Dcrcnoprmkmht norcof ro cfrhpyhfh&
Of Ih`pxkps ;9! 07;7! rlh rpcka doxpr lhkpb opka kpmxnhfr! kfb of Nkpdl ;
opbhp icfbcfm rlkr wxptxkfr ro Cfbckfk Dobh 40.0
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K rpcka doxpr ct ph{xcphb! kt k nkrrhp oi pcmlr! ro mpkfr k wkprst rcnhas norcof ro cfrhpyhfh
ci rlh wkprs tlo}t ,;# kf cfrhphtr cf wpowhprs }lcdl ct rlh tx`ehdr oi rlh kdrcof! ,0# rlkr
bctwotcrcof oi rlh kdrcof nks wpkdrcdkaas cnwkcp rlkr cfrhphtr! kfb ,4# rlkr fo h|ctrcfm wkprs ct
kbh{xkrhas phwphthfrcfm rlh noycfm wkprst cfrhphtr& Cfb& Rpcka Pxah 02,K#,0#& Rlh rpcka doxprlkt bctdphrcof ro bhrhpncfh }lhrlhp k wpotwhdrcyh cfrhpyhfop lkt nhr crt `xpbhf& Rlxt! }h
phych} rlh rpcka doxprt pxacfm of k norcof ro cfrhpyhfh iop k`xth oi bctdphrcof kfb kttxnh rlkr kaa
ikdrt kaahmhb cf rlh norcof kph rpxh&
Tcncakpas! rlh wpowpchrs oi phachi xfbhp Cfbckfk Rpcka Pxah 97,@# ct k nkrrhp hfrpxtrhb ro
rlh rpcka doxprt h{xcrk`ah bctdphrcof& Tlor}haa y& Dacii Lkmkf Pc`hsh Ipkfdlcth! Cfd&! 8=0 F&H&0b
2
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K& Dcrcnoprmkmh Lkt k Wpowhprs Cfrhphtr kr TrkjhKt k rlphtloab nkrrhp! Dcrcnoprmkmh kpmxht rlkr Tkfbhpt kfb PhDktk }kcyhb rlh pcmlr ro
dlkaahfmh NHPTt kaahmhb wpowhprs cfrhphtr `s ikcacfm ro pkcth rlkr cttxh cf rlh rpcka doxpr& Kt k
wphykcacfm wkprs! lo}hyhp! PhDktk nks bhihfb rlh rpcka doxprt pxacfm of kfs mpoxfbt! cfdaxbcfm
mpoxfbt for pkcthb kr rpcka&9 Rlxt! }h kbbphtt rlh nhpcrt oi rlct cttxh&
Cf crt norcof! Dcrcnoprmkmh wphncthb crt pcmlr ro cfrhpyhfh of crt cfrhphtr cf rlh Nkbctof
Doxfrs wpowhprs& Thh Cfb& Rp& P& 02,K#,0#& Dcrcnoprmkmh kaahmhb rlkr cr o`rkcfhb crt cfrhphtr cf
rlh Nkbctof Doxfrs wpowhprs noprmkmh ipon NHPT! trkrcfm ykpcoxtas rlkr cr ct rlh txddhttop cf
cfrhphtr ro NHPT kfb rlh kttcmfhh oi NHPT& Kww& kr
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Wo}haa!
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Rlh rhpnt foncfhh kfb noprmkmhh! kt xthb cf rlh @kpk`kt noprmkmh dofrpkdr!
dofiacdr }crl hkdl orlhp& K phktofk`ah whptof! xwof phkbcfm rlh dofrpkdr! doxab icfb rlkr rlh
dofrpkdr ct tx`ehdr ro noph rlkf ofh cfrhpwphrkrcof& Cr ct rlhphioph kn`cmxoxt! to }h nxtr rxpf ro
hycbhfdh oi rlh wkprcht cfrhfr cf opbhp ro wpowhpas doftrpxh rlh kn`cmxoxt rhpnt&
0& Rlh Wkprcht Cfrhfbhb ro Bhtcmfkrh NHPT kt rlh Ahfbhpt KmhfrRlh noprmkmh dofrpkdr trkrht rlkr NHPT lkt ahmka rcrah ro rlh cfrhphtrt mpk frhb `s
@oppo}hp cf rlct Thdxpcrs Cftrpxnhfr& Kww& kr
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Kt ro rlh thdofb! Cp}cf h|wphttas bctdakcnhb crt cfrhphtr cf rlh bh`r rlkr fo} `haofmt ro
Dcrcnoprmkmh& Tcfdh icacfm rlkr bctdakcnhp! Cp}cf lkt rkjhf fo wkpr cf rlh acrcmkrcof& Rlh
phnkcfcfm wkprcht! Tkfbhpt kfb PhDktk! kph kdrcyhas kbyodkrcfm kmkcftr Dcrcnoprmkmht cfrhphtr&
Fo dxpphfr wkprs ct phwphthfrcfm Dcrcnoprmkmht cfrhphtr&
D& Dcrcnoprmkmht Norcof ro Cfrhpyhfh ]kt RcnhasPhDktk kpmxht rlkr hyhf ci Dcrcnoprmkmh tkrcticht rlh ph{xcphnhfrt ro cfrhpyhfh oi pcmlr!
}h fhyhprlhahtt tloxab xwloab rlh rpcka doxprt bhfcka oi Dcrcnoprmkmht norcof of rlh karhpfkrcyh
mpoxfb rlkr cr }kt xfrcnhas& PhDktk bcb for pkcth rlct cttxh cf rlh rpcka doxpr! fop bcb rlh doxpr
phas xwof cr cf crt bhdctcof ro bhfs Dcrcnoprmkmht norcof& Fhyhprlhahtt! kt k wphykcacfm wkprs!
PhDktk nks bhihfb crt exbmnhfr of kfs mpoxfb&3 Cfb& Rpcka Pxah 83,M#& ]lhf! kt lhph! }h kph
wphthfrhb }crl k fh} cttxh of kwwhka! }h }caa bhdcbh rlh cttxh to aofm kt rlhph ct fo bctwxrh kt ro
kfs nkrhpcka ikdr& Trkrh y& Jojono Rx`h Do&! 209 F&H&0b ;44
Rlhph ct fo txdl bctwxrh! to }h wpodhhb ro doftcbhp }lhrlhp Dcrcnoprmkmht norcof ro cfrhpyhfh
}kt rcnhas&
Rcnhacfhtt ct k bctdphrcofkps bhrhpncfkrcof rlkr bhwhfbt hfrcphas xwof rlh ikdrt oi rlh
dkth kr lkfb& Lhpbpcdl Whrpoahxn Dopw& y& Pkbiopb! ==4 F&H&0b 4;3! 408 ,Cfb& Dr& Kww& 0770#!rpkft& bhfchb& Rlh ph{xcphnhfr rlkr k norcof ro cfrhpyhfh `h rcnhas ct cfrhfbhb ro cftxph rlkr
rlh opcmcfka wkprcht tloxab for `h wphexbcdhb `s kf cfrhpyhfopt ikcaxph ro kwwas toofhp! kfb rlkr
rlh opbhpas wpodhttht oi rlh doxpr kph wphthpyhb& Cb& ,{xorcfm @pskfr y& Akjh Dfrs& Rpxtr Do&!
;99 Cfb& Kww& 30! ;7;! 442 F&H&0b =47! =48 ,Cfb& Dr& Kww& ;3=8##& Cr ct for cfrhfbhb ro `h
hnwaoshb kt k rooa ro tkfdrcof }oxab.`h cfrhpyhfopt }lo kph rkpbs cf nkjcfm rlhcp kwwacdkrcof&
Cb& ,{xorcfm @pskfr! ;99 Cfb& Kww& kr ;7;! 442 F&H&0b kr =48#& Karloxml wotr.exbmnhfr
3 Doxftha iop Dcrcnoprmkmh! whplkwt `hachycfm rlkr PhDktk lkb }kcyhb rlct kpmxnhfr `s for pkctcfm cr cfrlh rpcka doxpr! bhdacfhb ro kbbphtt cr of phwas&
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cfrhpyhfrcof ct mhfhpkaas bctikyophb! cr ct kwwpowpckrh cf dhprkcf h|rpkopbcfkps kfb xfxtxka
dcpdxntrkfdht! wkprcdxakpas }lhf rlh whrcrcofhpt pcmlrt dkffor orlhp}cth `h wporhdrhb& @b& oi
Donnpt oi@hfrof Dfrs& y& ]lctrahp! 288 F&H&0b ;;23! ;;8482 ,Cfb& Dr& Kww& ;3
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@& Rlh Rpcka Doxpr Lkb Fo Whptofka Expctbcdrcof Oyhp DcrcnoprmkmhPxah 97,@#,9# wpoycbht iop phachi ipon exbmnhfrt rlkr kph yocb& Tlor}haa! 8=0 F&H&0b
kr 2
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]h lkyh trkrhb rlkr rlh phakrcoftlcw `hr}hhf Dcrcnoprmkmh kfb NHPT }kt ofh oi
wpcfdcwka kfb kmhfr& Dahkpas! ofh oi rlh wpcnkps wxpwotht oi rlkr kmhfds phakrcoftlcw }kt ro
ikdcacrkrh hiicdchfr thpycdh oi wpodhtt& Rlh pkwcb kfb wchdhnhka rpkftihp oi noprmkmht of rlh
thdofbkps nkpjhr dphkrht k trpofm wphtxnwrcof rlkr rlh opcmcfka ahfbhp }caa {xcdjas rpkftihp crtcfrhphtr cf rlh bh`r& Lxbtwhrl! txwpk! kr
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cfrhpfkrcofka noprmkmh nkpjhr& Rlh trkrxrh rlkr rlhs bpkirhb! kfb xfbhp }lcdl Cfbckfk noprmkmh
rpkftkdrcoft trcaa rkjh wakdh! rlxt ahkyht xfkbbphtthb nkfs cttxht cnwoprkfr ro dofrhnwopkps
wpkdrcdh& ]h phdomfcuh rlkr rlh Mhfhpka Ktthn`as nks toof icfb cr fhdhttkps ro nobhpfcuh rlh
trkrxrops tdpcwr ro kddonnobkrh rlct fh} kfb akpmhp dktr oi dlkpkdrhpt&
Dofdaxtcof
Of rlhth ikdrt! }h loab rlkr rlh rpcka doxprt bhfcka oi Dcrcnoprmkmht norcof ro cfrhpyhfh
kfb o`rkcf phachi ipon rlh iophdaotxph exbmnhfr }kt `kthb of k nctcfrhpwphrkrcof oi rlh ak} kfb
rlxt kf k`xth oi bctdphrcof& ]h rlhphioph phyhpth rlkr pxacfm kfb phnkfb }crl cftrpxdrcoft ro
mpkfr rlh norcof ro cfrhpyhfh kfb knhfb rlh bhikxar exbmnhfr ro wpoycbh rlkr PhDktk rooj rlh
Nkbctof Doxfrs wpowhprs tx`ehdr ro Dcrcnoprmkmht achf&
Bcdjtof! D&E&! Pxdjhp! kfb Bkycb! EE&! dofdxp&