ࡱ> T/0  !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~Root Entryb.@p V PerfectOffice_MAIN&yLPerfectOffice_OBJECTS,VVSummaryInformation(|  !"#$%&Oh+'Oh+'0L    Dale Whitman20$C:\COREL\SUITE8\PROGRAMS\PRWIN8.EXE Original Slide Show rg ChartData ChartCombinationWPC-XX81%^%-3'XXXX,,,,51942*+13,*`-:e;|%|%W;W/ YY@1 .(3(,*`-:e%W%WWWWPC-XX81%{0<Ʉ3'XXXXKKKK WPCyL ~ f q!$$%%%!!!!*|B"XXXX'33' >f*R|RRMSRq\ <<Q~&yo-R LWPC # #2  I  .3  Due-on-SaleClauses"  "2  I  .3  "  "2  I  .3  ,"  ,2  I  .3  Objectivesoftheclause:..2  A  .3  Toallowlendertounderwritethecreditofthenewowner...2  A  .3  Toallowlendertoincreaseitsyieldonthefundsifmarketrateshaverisen.....2  1  .3  Calltheloanandrelendthe$;or....2  1  .3  Increasetheinterestrate;or....2  1  .3  Chargean assumptionfee."  "2  I  .3  +  2  I  .3  "  "2  I  .3  ,"   ,2  I  .3  CoverageoftheGarnAct:..2  A  .3  Whattypesoflenders?..2  A  .3  Whattypesofloans?..2  A  .3  Whattypesofclauses?....2  1  .3  Only due-on-sale....2  1  .3  Notautomaticacceleration?....2  1  .3  Notprohibitionsonsale?(  (2  I  .3  Istheclausetriggeredby:..2  A  .3  Creationofjuniormortgage?..2  A  .3  Foreclosureofjuniormortgage?..2  A  .3  Salebyinstallmentcontract?..2  A  .3  Optiontopurchase?"  "2  I  .3  Nowforalittleexcursion:Whydoseniormortgageesworryaboutjuniormortgages?# #2  I  .3  Whydoseniorlendersworryaboutjuniormortgages?..2  A  .3  Borrowerscashoutflowwillbecomemoreburdensome;greaterdefaultrisk...2  A  .3  Borrowermightdecidetopayjuniorratherthanseniorifmoneyistight,ormightdecidenottodonecessaryrepairsormaintenance...2  A  .3  Juniormightturndownleasesbecausetheydontgenerateenoughrent,eventhoughtheywouldbeentirelyacceptabletothesenior;vacancymayresult...2  A  .3  Thejuniormightputtheborrowerintoinvoluntarybankruptcy.# #2  I  .3  Whydoseniorlendersworryaboutjuniormortgages? ..2  A  .3  Iftheseniorismodified,thereisariskofpartial(ormaybeeventotal)lossofpriorityinfavorofthejunior.....2  1  .3  Ifthelossofpriorityistotal,itsadisasterforthesenior.SeeGluskinv.AtlanticSav.&Loan,32Cal.App.3d307(1973).....2  1  .3  Ifthelossofpriorityispartial,itismessytodecidewhatpartissubordinated.SeeLennarNortheastPartnersv.Buice,49Cal.App.4th1576(1996).....2  1  .3  TheRestatementsaystheseniorcanreservetherighttomodifywithoutlossofpriority,butjudicialacceptanceofthisisuncertain.SeeFrieryv.SutterButtesSav.Bank,61Cal.App.4th869(1998),soholding.# #2  I  .3  Whydoseniorlendersworryaboutjuniormortgages? ..2  A  .3  Thejuniormightforecloseonasubordinatelease,wipingitoutdespitetheseniorsdesiretopreserveit.(Thismaybeunavoidableiftheleaseisindeedsubordinatetoallmortgages.)..2  A  .3  Conflictsmayariseoverassignmentsofrentsandappointmentofreceivers.(Eveniftheseniorgetstherentslater,therentsthejuniorcollectedarelost.)..2  A  .3  Uponforeclosureofthejuniormortgage,titlemaypasstoanownerconsideredundesirablebythesenior."  "2  I  .3  Now,backtodue-on-saleandtheGarnAct...-#  -2  I  .3  Exceptions(preemptive)on1-4-familyhouse:....2  1  .3  Thelendercantcalltheloandueonaccountofa:..2  A  .3  Juniorlien..2  A  .3  Householdappliancelien..2  A  .3  Lease<3yearswithoutoption..2  A  .3  Transferatdeath..2  A  .3  Transfertospouseorkids..2  A  .3  Transferatdivorce..2  A  .3  Intervivostrust,"    ,2  I  .3  Willtheexemptionsapplyto?..2  A  .3  deviseofahousetotheMooseLodge?..2  A  .3  transfertoownerschildrenofa160-acrefarmwithafarmhouseonit?,"     ,2  I  .3  Additionalquestions:..2  A  .3  Isalenderwhowaitstoolong(aftergettingnotice)estoppedtoaccelerate?..2  A  .3  Maythelenderaccelerateandchargeaprepaymentfee?..2  A  .3  Mustthelenderreleasetheoriginalborrowerwhenthelenderapprovesatransferoftheproperty?"  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M.,1MM3 `NM..?,?,13f `O <  1f3 `P<  <  13f3 `Q  I `R$< $ $$1f3 `SP"< $< $P"13f3 `T$$"P" `U(< l) l)Z( 1f3 `V&< (< ( & 13f3 `W( l)Z2'Z&  `Xt-< - -t-1f3 `Y9+< t-< t-9+13f3 `Zt--+9+1f0 `[=   =G 1_3 `\ = =G G 1f03 `]=G  o G  `^# $ $# 1_3 `_w! # # w! 1f03 ``# $!w!  `a&( ( (1&(1_3 `b% &( &(%1f03 `c&((1X&1% `d, - - , 1_3 `e`* , , `* 1f03 `f, - * `* 13@ `gd K \ d 1f3 `h) d d ) 13@3 `id \ \ )  `j" E#K E#n " 1f3 `k " "  13@3 `l" E#n !n   `mM' 'K ' M'/ 1f3 `n% M' M'/ %/ 13@3 `oM'/ ' % %/  `p+ .,K .,+1f3 `q) + +)13@3 `r+.,))13 s G .% tO, \AZ"Arial RegularO        @  1stQtr.% u! !G .% v"#O, \AZ"Arial RegularO        @  2ndQtr.% w% %G .% xo$'O, \AZ"Arial RegularO        @  3rdQtr.% yn* n*G .% z(+O, \AZ"Arial RegularO        @  4thQtr.% { T .% |: + O, \AZ"Arial RegularO        @  0.% } T .% ~] N O, \AZ"Arial RegularO        @  20.% T.%  pO, \AZ"Arial RegularO        @  40.% ;T;.% O, \AZ"Arial RegularO        @  60.% ]T].% O, \AZ"Arial RegularO        @  80.% T.% O, \AZ"Arial RegularO        @  100 /@Qbsd$ .FQ5"E9[L`bde psDV v@o%ChfJWPCXX81%XX81%3'XXXXKK?K?9"0h$ 0h$  0h$'13 .#O, \AZ"Arial RegularOT T T         @  Q QO, \AZ"Arial RegularOT T T Objectivesoftheclause:WPCXX81%XX81%3'XXXXKK?K?9"WU0QBU0QC , \AZ"Arial Regular +C , \AZ"Arial Regular +3f3fC , \AZ"Arial Regular +3f3fC  , \AZ"Arial Regular +3f3fC , \AZ"Arial Regular +3f3fC , \AZ"Arial Regular +3f3f9<   433333333 @3 @3 @3 @3 @3 @3 LL" dddddd$   U0Q.133 :UZ/ O, \AZ"Arial RegularO        @3a aO, \AZ"Arial RegularO        @        @3    O, \AZ"Arial RegularO        @0l..Toallowlendertounderwritethecreditofthenewowner.LO, \AZ"Arial RegularO        @3    O, \AZ"Arial RegularO        @0l..Toallowlendertoincreaseitsyieldonthefundsifmarketrateshaverisen.LO, \AZ"Arial RegularO     3f   @3f6..6        @3    O, \AZ"Arial RegularO     3f   @3f0l..Calltheloanandrelendthe$;orL6..6O, \AZ"Arial RegularO        @3    O, \AZ"Arial RegularO     3f   @3f0l..Increasetheinterestrate;orL6..6O, \AZ"Arial RegularO        @3    O, \AZ"Arial RegularO     3f   @3f0l..Chargean assumptionfee.WPCXX81%XX81%+3'XXXXKK?K?9"&1k$ 1k$  &1k$' %0#O, \AZ"Arial RegularOT T T         @  Q QO, \AZ"Arial RegularOT T T CoverageoftheGarnAct:WPCXX81%XX81%+3'XXXXKK?K?9"*\0g0Bg0C , \AZ"Arial Regular +C , \AZ"Arial Regular +3f3fC  , \AZ"Arial Regular +3f3fC yy, \AZ"Arial Regular +3f3fC , \AZ"Arial Regular +3f3fC 99, \AZ"Arial Regular +3f3f9<   433333333 @3 @3 @3 @3 @3 @3 LL" dddddd$   *g0.133 )@gQ/&O, \AZ"Arial RegularO999        @3a aO, \AZ"Arial RegularO        @        @3    O, \AZ"Arial RegularO        @0&..Whattypesoflenders?L  O, \AZ"Arial RegularO        @3    O, \AZ"Arial RegularO        @0&..Whattypesofloans?L  O, \AZ"Arial RegularO        @3    O, \AZ"Arial RegularO        @0&..Whattypesofclauses?L  O, \AZ"Arial RegularO     3f   @3f..        @3    O, \AZ"Arial RegularO     3f   @3f0&..Only due-on-saleL  ..O, \AZ"Arial RegularO        @3    O, \AZ"Arial RegularO     3f   @3f0&..Notautomaticacceleration?L  ..O, \AZ"Arial RegularO        @3    O, \AZ"Arial RegularO     3f   @3f0&..Notprohibitionsonsale?WPCDXX81%XX81%3'XXXXKKKK9Ѐ|"1o$:1o$C T T , \AZ"Arial Regular +C T T , \AZ"Arial Regular +C T T , \AZ"Arial Regular +C T T , \AZ"Arial Regular +C T T , \AZ"Arial Regular +C T T , \AZ"Arial Regular +)?  !@Z_33 4 @ @ @ @ @ @ " dddddd$   1o$*'13 w0#O, \AZ"Arial RegularOT T T         @  Q QO, \AZ"Arial RegularOT T T Istheclausetriggeredby:.+/ @1 _333 `11NNWPCXX81%XX81%3'XXXXKKKK9Ѐ|"&q 0B 0C 44, \AZ"Arial Regular +C , \AZ"Arial Regular +3f3fC  , \AZ"Arial Regular +3f3fC yy, \AZ"Arial Regular +3f3fC , \AZ"Arial Regular +3f3fC 99, \AZ"Arial Regular +3f3f9<   433333333 @3 @3 @3 @3 @3 @3 LL" dddddd$    0+133 @ Q/ O, \AZ"Arial RegularO999        @3a aO, \AZ"Arial RegularO444        @        @3    O, \AZ"Arial RegularO444        @0&..Creationofjuniormortgage?L  O, \AZ"Arial RegularO444        @3    O, \AZ"Arial RegularO444        @0&..Foreclosureofjuniormortgage?L  O, \AZ"Arial RegularO444        @3    O, \AZ"Arial RegularO444        @0&..Salebyinstallmentcontract?L  O, \AZ"Arial RegularO444        @3    O, \AZ"Arial RegularO444        @0&..Optiontopurchase?WPC7XX81%XX81%N3'XXXXKK?K?9"I0h$:0h$C , \AZ"Arial Regular +C , \AZ"Arial Regular +C , \AZ"Arial Regular +C , \AZ"Arial Regular +C , \AZ"Arial Regular +C , \AZ"Arial Regular +)?  !@Z_33 4 @ @ @ @ @ @ " dddddd$   I0h$' GCN/#O, \AZ"Arial RegularO        @  Q QO, \AZ"Arial RegularO Exceptions(preemptive)on1-4-familyhouse:.+/ Z@1 _333 `H00xxWPC^XX81%XX81%N3'XXXXKK?K?9"M<@1B@1C , \AZ"Arial Regular +C hh, \AZ"Arial Regular +3f3fC $$, \AZ"Arial Regular +3f3fC , \AZ"Arial Regular +3f3fC , \AZ"Arial Regular +3f3fC , \AZ"Arial Regular +3f3f9<   433333333 @3 @3 @3 @3 @3 @3 LL" dddddd$   M@1.%133 L;@/1/O, \AZ"Arial RegularO        @3a aO, \AZ"Arial RegularO        @        @3    O, \AZ"Arial RegularO        @0..JuniorlienL  O, \AZ"Arial RegularO        @3    O, \AZ"Arial RegularO        @0..HouseholdappliancelienL  O, \AZ"Arial RegularO        @3    O, \AZ"Arial RegularO        @0..Lease<3yearswithoutoptionL  O, \AZ"Arial RegularO        @3    O, \AZ"Arial RegularO        @0..TransferatdeathL  O, \AZ"Arial RegularO        @3    O, \AZ"Arial RegularO        @0..TransfertospouseorkidsL  O, \AZ"Arial RegularO        @3    O, \AZ"Arial RegularO        @0..TransferatdivorceL  O, \AZ"Arial RegularO        @3    O, \AZ"Arial RegularO        @0..IntervivostrustWPCXX81%XX81%T3'XXXXKK?K?9"O70h$ 0h$  O0h$' N.#O, \AZ"Arial RegularOT T T         @  Q QO, \AZ"Arial RegularOT T T Willtheexemptionsapplyto?WPC~ XX81%XX81%T3'XXXXKK?K?9"S?#B#C 44, \AZ"Arial Regular +C 8 8 , \AZ"Arial Regular +3f3fC , \AZ"Arial Regular +3f3fC 77, \AZ"Arial Regular +3f3fC 33, \AZ"Arial Regular +3f3fC , \AZ"Arial Regular +3f3f9<   433333333 @3 @3 @3 @3 @3 @3 LL" dddddd$   S#.133 RF/#WO, \AZ"Arial RegularO        @3a aO, \AZ"Arial RegularO444        @        @3    O, \AZ"Arial RegularO444        @0..deviseofahousetotheMooseLodge?L  O, \AZ"Arial RegularO444        @3    O, \AZ"Arial RegularO444        @0..transfertoownerschildrenofa160-acrefarmwithafarmhouseonit?WPCXX81%XX81%'3'XXXXKK?K?9""60h$ 0h$  "0h$' !.#O, \AZ"Arial RegularOT T T         @  Q QO, \AZ"Arial RegularOT T T Additionalquestions:WPCXX81%XX81%'3'XXXXKK?K?9"&;0B;0C , \AZ"Arial Regular +C , \AZ"Arial Regular +3f3fC  , \AZ"Arial Regular +3f3fC yy, \AZ"Arial Regular +3f3fC , \AZ"Arial Regular +3f3fC 99, \AZ"Arial Regular +3f3f9<   433333333 @3 @3 @3 @3 @3 @3 LL" dddddd$   &;0.133 %@;Q/&O, \AZ"Arial RegularO999        @3a aO, \AZ"Arial RegularO        @        @3    O, \AZ"Arial RegularO        @0&..Isalenderwhowaitstoolong(aftergettingnotice)estoppedtoaccelerate?L  O, \AZ"Arial RegularO        @3    O, \AZ"Arial RegularO        @0&..Maythelenderaccelerateandchargeaprepaymentfee?L  O, \AZ"Arial RegularO        @3    O, \AZ"Arial RegularO        @0&..Mustthelenderreleasetheoriginalborrowerwhenthelenderapprovesatransferoftheproperty?WPCXX81%XX81%`3'XXXXKK?K?9"[1j$ 1j$  [1j$' Z0#O, \AZ"Arial RegularOT T T         @  Q QO, \AZ"Arial RegularOT T T Concealmentoftransfers:WPCTXX81%XX81%`3'XXXXKK?K?9"_r0B0C , \AZ"Arial Regular +C , \AZ"Arial Regular +3f3fC , \AZ"Arial Regular +3f3fC , \AZ"Arial Regular +3f3fC 44, \AZ"Arial Regular +3f3fC , \AZ"Arial Regular +3f3f9<   433333333 @3 @3 @3 @3 @3 @3 LL" dddddd$   _0.133 ^?R/- O, \AZ"Arial RegularO        @3a aO, \AZ"Arial RegularO        @        @3    O, \AZ"Arial RegularO        @0..Doestheborrowerhaveadutytonotifythelenderofatransfer?L  O, \AZ"Arial RegularO        @3    O, \AZ"Arial RegularO        @0..Howmightthelenderdiscoverthetransfer?L  O, \AZ"Arial RegularO        @3    O, \AZ"Arial RegularO        @0..Whatremediesmightthelenderassert?L  O, \AZ"Arial RegularO        @3    O, \AZ"Arial RegularO        @0..Isconcealmentunethicalifanattorneyassists?L  O, \AZ"Arial RegularO        @3    O, \AZ"Arial RegularO        @0..Isconcealmentsmart?WPCXX81%XX81%N3'XXXXKK?K?9"K0w20wC , \AZ"Arial Regular +3f3fC , \AZ"Arial Regular +3f3fC , \AZ"Arial Regular +3f3fC , \AZ"Arial Regular +3f3fC , \AZ"Arial Regular +3f3fC , \AZ"Arial Regular +3f3f)?   4 @ @ @ @ @ @ " dddddd$   K0w.+%3f13f3 J@Q/O, \AZ"Arial RegularO     3f   @3f  Q QO, \AZ"Arial RegularOThelendercantcalltheloandueonaccountofa:WPCXX81%XX81%%3'XXXXKK?K?9""0<$:0<$C H H , \AZ"Arial Regular +C H H , \AZ"Arial Regular +C H H , \AZ"Arial Regular +C H H , \AZ"Arial Regular +C H H , \AZ"Arial Regular +C H H , \AZ"Arial Regular +)?  !@Z33 4 @ @ @ @ @ @ " dddddd$   "0<$' !.X#O, \AZ"Arial RegularOH H H         @  Q QO, \AZ"Arial RegularOH H H  Due-on-SaleClausesWPC>XX81%XX81%93'XXXXKK?K?9"4#c0h$:0h$C , \AZ"Arial Regular +C , \AZ"Arial Regular +C , \AZ"Arial Regular +C , \AZ"Arial Regular +C , \AZ"Arial Regular +C , \AZ"Arial Regular +)?  !@Z_33 4 @ @ @ @ @ @ " dddddd$   40h$' 2CN/#O, \AZ"Arial RegularO        @  Q QO, \AZ"Arial RegularO Whydoseniorlendersworryaboutjuniormortgages?.+/ Z@1 _333 `300xxWPCmXX81%XX81%93'XXXXKK?K?9"80WB0WC @@, \AZ"Arial Regular +C , \AZ"Arial Regular +3f3fC yy, \AZ"Arial Regular +3f3fC , \AZ"Arial Regular +3f3fC 44, \AZ"Arial Regular +3f3fC , \AZ"Arial Regular +3f3f9<   433333333 @3 @3 @3 @3 @3 @3 LL" eddddd$   80W+133 7?R/C O, \AZ"Arial RegularO        @3a aO, \AZ"Arial RegularO@@@        @O, \AZ"Arial RegularOOOO        @3    O, \AZ"Arial RegularO@@@        @0..Borrowerscashoutflowwillbecomemoreburdensome;greaterdefaultrisk.L  O, \AZ"Arial RegularOOOO        @3    O, \AZ"Arial RegularO@@@        @0..Borrowermightdecidetopayjuniorratherthanseniorifmoneyistight,ormightdecidenottodonecessaryrepairsormaintenance.L  O, \AZ"Arial RegularOOOO        @3    O, \AZ"Arial RegularO@@@        @0..Juniormightturndownleasesbecausetheydontgenerateenoughrent,eventhoughtheywouldbeentirelyacceptabletothesenior;vacancymayresult.L  O, \AZ"Arial RegularOOOO        @3    O, \AZ"Arial RegularO@@@        @0..Thejuniormightputtheborrowerintoinvoluntarybankruptcy.WPCAXX81%XX81%G3'XXXXKK?K?9"Bc0h$:0h$C , \AZ"Arial Regular +C , \AZ"Arial Regular +C , \AZ"Arial Regular +C , \AZ"Arial Regular +C , \AZ"Arial Regular +C , \AZ"Arial Regular +)?  !@Z_33 4 @ @ @ @ @ @ " dddddd$   B0h$' @CN/#O, \AZ"Arial RegularO        @  Q QO, \AZ"Arial RegularO Whydoseniorlendersworryaboutjuniormortgages? .+/ Z@1 _333 `A00xxWPCXX81%XX81%G3'XXXXKK?K?9"Fv0B0C @@, \AZ"Arial Regular +C , \AZ"Arial Regular +3f3fC yy, \AZ"Aria      !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~l Regular +3f3fC , \AZ"Arial Regular +3f3fC 44, \AZ"Arial Regular +3f3fC , \AZ"Arial Regular +3f3f9<   433333333 @3 @3 @3 @3 @3 @3 LL" dddddd$   F0+133 E;O/^ O, \AZ"Arial RegularO        @3a aO, \AZ"Arial RegularO@@@        @        @3    O, \AZ"Arial RegularO@@@        @0..Thejuniormightforecloseonasubordinatelease,wipingitoutdespitetheseniorsdesiretopreserveit.(Thismaybeunavoidableiftheleaseisindeedsubordinatetoallmortgages.)L  O, \AZ"Arial RegularO@@@        @3    O, \AZ"Arial RegularO@@@        @0..Conflictsmayariseoverassignmentsofrentsandappointmentofreceivers.(Eveniftheseniorgetstherentslater,therentsthejuniorcollectedarelost.)L  O, \AZ"Arial RegularO@@@        @3    O, \AZ"Arial RegularO@@@        @0..Uponforeclosureofthejuniormortgage,titlemaypasstoanownerconsideredundesirablebythesenior.WPC}XX81%XX81%3'XXXXKKKK9Ѐ|"B0h$:0h$C , \AZ"Arial Regular +C , \AZ"Arial Regular +C , \AZ"Arial Regular +C , \AZ"Arial Regular +C , \AZ"Arial Regular +C , \AZ"Arial Regular +)?  !@Z_33 4 @ @ @ @ @ @ " dddddd$   0h$.)*+%'13 CN/#O, \AZ"Arial RegularO        @  Q Q O, \AZ"Arial RegularOWhydoseniorlendersworryaboutjuniormortgages? .+/ @1 _333 `00xxWPCXX81%XX81%3'XXXXKKKK9Ѐ|" t*0!B*0!C , \AZ"Arial Regular +C , \AZ"Arial Regular +3f3fC , \AZ"Arial Regular +3f3fC GG, \AZ"Arial Regular +3f3fC kk, \AZ"Arial Regular +3f3fC , \AZ"Arial Regular +3f3f9<   433333333 @3 @3 @3 @3 @3 @3 LL" dddddd$   *0!+133 ;*O/[!h O, \AZ"Arial RegularO        @3a aO, \AZ"Arial RegularO        @        @3    O, \AZ"Arial RegularO        @0 ..Iftheseniorismodified,thereisariskofpartial(ormaybeeventotal)lossofpriorityinfavorofthejunior.L  O, \AZ"Arial RegularO     3f   @3f..        @3    O, \AZ"Arial RegularO     3f   @3f0 ..Ifthelossofpriorityistotal,itsadisasterforthesenior.SeeGluskinv.AtlanticSav.&Loan,32Cal.App.3d307(1973).L  ..O, \AZ"Arial RegularO        @3    O, \AZ"Arial RegularO     3f   @3f0 ..Ifthelossofpriorityispartial,itismessytodecidewhatpartissubordinated.SeeLennarNortheastPartnersv.Buice,49Cal.App.4th1576(1996).L  ..O, \AZ"Arial RegularO        @3    O, \AZ"Arial RegularO     3f   @3f0 ..TheRestatementsaystheseniorcanreservetherighttomodifywithoutlossofpriority,butjudicialacceptanceofthisisuncertain.SeeFrieryv.SutterButtesSav.Bank,61Cal.App.4th869(1998),soholding.WPCHXX81%XX81%Ʉ3'XXXXKKKK9Ѐ|"Ƅu 0<$: 0<$C H H , \AZ"Arial Regular +C H H , \AZ"Arial Regular +C H H , \AZ"Arial Regular +C H H , \AZ"Arial Regular +C H H , \AZ"Arial Regular +C H H , \AZ"Arial Regular +)? 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