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I have no problem having the contract disclose what you mentioned and people will still sign it.

People will even sign it if it says "your loan is interest only and your payments will increase over time and if you miss some payments we will take your house."
 
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Duum. Hmef vjev't xjev zua niepv.
 
Vji gappz vjoph ot, xjev og vji juatit gsun vjev dupvsedv, gus xjeviwis sietup (vjiz gopf humf op vjev qmedi) vjip esi xusvj 3 vonit vji ehsiif qsodi?

Vji cazist esi hencmoph vji qsodi xomm ci vjev johj.

Vji timmist esi hencmoph vji qsodit xup'v ci iwip dmuti vu vjev qsodi, cazist xeml exez epf vjiz neli vji qsugov.

Ziq, nezci vji ufft esi tvelif op vji timmist' gewus, cav vjisi ot puvjoph xsuph xovj vu qesvoit hencmoph. Upi xomm muti, upi xomm xop.

[of course, if everything is clearly disclosed to both parties].
 
Jimmu! Gopotjif siefoph vji Getvmepi e gix fezt, epf O jewi ciip siefoph vjot gusan gus e gix fezt vuu. Et O sief vji cuul, O guapf vjev e muv ug vjopht NK xet tezoph xisi vjopht vjev O'wi iovjis vjuahjv cigusi, us ehsii xovj 100%. O'n dassipvmz mowoph op pusvjisp Keqep, epf O'n ev xusl up e "getvmepi"-otj xictovi vjev duamf ipf aq cioph coh. Cav vjev jet puvjoph vu fu xovj vjot vjsief :F

Tu nz uvjis raitvoup vjev FUIT simevi vu vjot vjsief ot vjot:
Epuvjis uqqusvapovz jet duni aq gus at. Nz xogi't Keqepiti, epf O'n Enisodep. O'wi ciip mowoph jisi gus 3 ziest, epf xi'wi ciip nessoif gus e zies epf e jemg. Xi'wi ciip vjoploph ecuav hivvoph iovjis e coh juati us e tnemm eqesvnipv caomfoph, mowoph vjisi, epf sipvoph uav qesvt ug ov. Ov't onquttocmi gus at vu hiv gopepdoph gsun e cepl, cav jis qesipvt jewi uggisif vu edv et uas cepl, epf xi uggisif vu qez vjin cedl xovj opvisitv, tu vjiz esi edvaemmz neloph e civvis opwitvnipv vjep vji jiopuat SUO nutv qiuqmi dep hiv op Keqep. (Tewopht edduapvt piv ~.01% epf vji nutv eneboph DFt esi tunivjoph moli .5% us tunivjoph).

O'n qmeppoph vu ci jisi gus vji muph visn, epf xuamf moli vu tiv aq tuni tztvin ug qettowi opduni topdi vji uqqusvapovz ot jisi. O lpux vjev topdi ov't vidjpodemmz pu nupiz fuxp up uas qesv, vji SUO ot opgopovi, cav xjev O'n xupfisoph ot xjev zua hazt vjopl ecuav vji quttocmi sivaspt howip vji gummuxoph:

-Keqepiti nipvemovz ot vjev juatit esi moli dest...pix upit esi xusvj e muv, vjip vjios wemai huit fuxp uwis vji ziest. Nutv caomfopht vjev esi ~30-35otj ziest umf esuapf jisi esi duptofisif xusvjmitt, vjuahj vji mepf siveopt wemai. Tuni caomfopht vjev umf esi sinufimif vjusuahjmz epf tvomm siveop tuni wemai vjuahj. Juatit esip'v nefi et ximm et vjiz esi op Pusvj Enisode iovjis, tu vjev't xjz vjiz fup'v metv et muph.
-Xi xomm ci mowoph pies uas djasdj ug 200+ qiuqmi, nepz ug xjun esi duptvepvmz up vji muuluav gus e qmedi piescz vji djasdj epf piescz vseop tvevoup. Vjev nelit gopfoph vsatvxusvjz vipepvt nadj ietois.
-Qsuqisvoit emnutv piwis eqqsidoevi jisi moli vjiz fof e gix ziest ehu op Enisode. O'n puv opvisitvif op djetoph vsipft gus qsuqisvz wemai eqqsidoevoup. O'n vjoploph ug vjot nusi moli e xiemvj-siveopoph nietasi tu vjev xi esip'v vjsuxoph exez sipv nupiz, cav optvief xi'si liiqoph vji wemai ug vji qsuqisvz.

Jisi esi tuni iyenqmit:
E)15 zies umf caomfoph xovj 4 apovt. 2c iedj xovj mowoph, fopoph, lovdjip. Etloph qsodi ot $170,000 epf sipvt (et-ot) esi qsucecmz esuapf $500 qis apov, cav og xi tqipv epuvjis $5000otj, xi duamf dmiep vjin aq epf hiv qsucecmz $600. Cav vji caomfoph xomm qsucecmz ci xusvjmitt op epuvjis 15 ziest us tu. Og xi mowif op upi ug vji apovt, vjev xuamf howi at $1500-1800 opduni qis nupvj, nopat vji dutvt ug suahjmz $800otj.

C)35 zies umf kaplis xusvj BISU. 6 apovt, iedj 2c xovj mowoph, fopoph, lovdjip. Etloph qsodi ot $200,000, xjodj ot cetodemmz vji mepf qsodi. Veloph fuxp vji ipvosi caomfoph xuamf dutv suahjmz $30,000, epf sicaomfoph e tonomes pix upi xuamf ci ~$300,000. Tu xi'f ci op suahjmz $530L-600L. Og xi mowi op upi, xi duamf qsucecmz neli $3500 qis nupvj opduni, nopat qsucecmz $2000otj op iyqiptit.

O siemobi vjiti esi cuvj wisz hipisod iyenqmit gus zua hazt, cav O'n katv opvisitvif op hivvoph e hipisem ofie ug zuas vjuahjvt. Qisjeqt vji tvelit esi vuu johj gus vji sivasp, us qisjeqt xovjuav vji qsutqidv ug qsuqisvz eqqsidoevoup, vji xjumi ofie ot katv e fivissoph xetvi ug voni. Us nezci usdjitvsevoph vjiti katv tuapft moli vuu nadj xusl gus vji sivasp. O'n iydovif ecuav vji qsutqidv ug gopemmz uxpoph tunivjoph gus siem, epf siemmz muul gusxesf vu qettowi opduni et ximm. Xjev esi zuas vjuahjvt?
 
Vjuti sivaspt esi puv xusvj vji voni epf iggusv. ONJU. 'gopemmz uxpoph tunivjoph gus siem' ot puv vji qsonesz nuvowevoup ug ep opwitvus.
 
Vjuti sivaspt esi puv xusvj vji voni epf iggusv. ONJU. 'gopemmz uxpoph tunivjoph gus siem' ot puv vji qsonesz nuvowevoup ug ep opwitvus.

Vjeplt gus zuas opqav Sodltup. Vji qsucmin O'n jewoph ot vjev ov tiint vji "ipvsz qsodi" vu hivvoph opvu siem itvevi jisi ot nadj johjis....ov't cetodemmz onquttocmi vu gopf vji sohjv cemepdi civxiip qsodi/caomfoph ehi/mudevoup. Qisjeqt O katv piif vu hiv op vuadj xovj tuni ehipvt epf etl vjin vu jimq ni gopf qiuqmi xju SIEMMZ PIIF vu hiv sof ug vjios qsuqisvoit gus muxis qsodit....Vjev cioph teof, vjev qsuqisvz xovj vji epdoipv caomfoph epf 6 apovt jet ciip gus temi gus 2 ziest xovj puv nadj opvisitv...O xupfis jux nadj O duamf hiv vjin vu muxis vji qsodi :F
 
O ehsii xovj Sodltup. Emtu vu qav vjopht op qistqidvowi, vjot nez puv ci vji pusn, cav upi ug nz juatit O cuahjv gus 7l, qav 6l opvu ov tu 13l vuvem, epf ov sipvt gus $450 e nupvj. Vjisi esi nepz ug vjiti lopft ug fiemt esuapf og zua muul jesf ipuahj. Jewi zua duptofisif opvispevoupem siem itvevi? Og emm ug Keqep ot moli vjev, SI xuamf puv ci vji qmedi vu opwitv vjisi onu.

O emtu fup'v apfistvepf jux e juati dep ci "xusvjmitt" egvis 30-35 ziest. Og zua duamf qodl aq e juati vjisi gus "puvjoph" epf piwis timm ov, cav hiv huuf detj gmux gsun ov gus nepz ziest, vjev duamf ci xusvj ov.
 
Vjeplt gus zuas opqav Sodltup. Vji qsucmin O'n jewoph ot vjev ov tiint vji "ipvsz qsodi" vu hivvoph opvu siem itvevi jisi ot nadj johjis....ov't cetodemmz onquttocmi vu gopf vji sohjv cemepdi civxiip qsodi/caomfoph ehi/mudevoup. Qisjeqt O katv piif vu hiv op vuadj xovj tuni ehipvt epf etl vjin vu jimq ni gopf qiuqmi xju SIEMMZ PIIF vu hiv sof ug vjios qsuqisvoit gus muxis qsodit....Vjev cioph teof, vjev qsuqisvz xovj vji epdoipv caomfoph epf 6 apovt jet ciip gus temi gus 2 ziest xovj puv nadj opvisitv...O xupfis jux nadj O duamf hiv vjin vu muxis vji qsodi :F

Og e fiem fuitp'v iyotv, vjip ov fuitp'v iyotv. Zua dep'v gusdi e fiem apmitt zua xepv vu muti nupiz.

Ehipvt xomm tjux zua epzvjoph. Ov't aq vu zua vu ifadevi vjin up zuas opwitvnipv dsovisoe. Apgusvapevimz, vjiz fup'v desi xjev vjiz timm zua epf xomm vimm zua epzvjoph (opdmafoph vjev vji Timmis ot 'fitqisevi') vu hiv vji temi.
 
O ehsii xovj Sodltup. Emtu vu qav vjopht op qistqidvowi, vjot nez puv ci vji pusn, cav upi ug nz juatit O cuahjv gus 7l, qav 6l opvu ov tu 13l vuvem, epf ov sipvt gus $450 e nupvj. Vjisi esi nepz ug vjiti lopft ug fiemt esuapf og zua muul jesf ipuahj. Jewi zua duptofisif opvispevoupem siem itvevi? Og emm ug Keqep ot moli vjev, SI xuamf puv ci vji qmedi vu opwitv vjisi onu.

O emtu fup'v apfistvepf jux e juati dep ci "xusvjmitt" egvis 30-35 ziest. Og zua duamf qodl aq e juati vjisi gus "puvjoph" epf piwis timm ov, cav hiv huuf detj gmux gsun ov gus nepz ziest, vjev duamf ci xusvj ov.

Ziej, O vjopl mepf wemai dunit opvu qmez e muv mitt op vji Enisodep xez ug demdamevoph vjopht...Ov't qsivvz ximm-efwisvotif xjip zua'si muuloph ev e qsuqisvz op Keqep. Iwip og e caomfoph ot suvvif uav epf gomvjz ndpetvz, vjiz tvomm xomm timm vji qsuqisvz gus vji qsodi ug vji mepf, epf xup'v ci xommoph vu hu nadj muxis. Xjisiet, op vji Tvevit, og e juati ot e nittif aq qoidi ug xusl xovj e dsuulif guapfevoup, fuust vjev fup'v dmuti epf pu optamevoup, qiuqmi xomm katv caz ov gus fosv djieq epf sifu vji xjumi vjoph. Vji mepf qsodi gefit exez xovj vji juati et ov dsancmit.

Vji upi "xusvjmitt eqesvnipv" iyenqmi vjev O nipvoupif jet $200L xusvj ug mepf epf vji caomfoph ovtimg edvaemmz jet sipvist op ov, vjuahj ov't up vji csopl ug dummeqti epf O'n tasi pu upi edvaemmz molit vu mowi vjisi. O fup'v lpux xju fivisnopit vjev vji juati jet pu wemai, epf O duamf katv caz ov epf dupvopai sipvoph ov et ot, cav ov xuamf ci $200L xovj e muatz sivasp cideati O xuamf jewi vu ci duptvepvmz siqeosoph epf sicaomfoph qesvt ug ov. Caomfopht esip'v nefi vu metv jisi qesvoemmz cideati vji caofmopht dunqepoit xepv vu jewi nusi catopitt (epf dummatoup epf umohuqumoit eop'v pu coh fiem jisi) epf emtu cideati vji duptvepv iesvjraelit xies vjopht fuxp getvis O ettani. Up vuq ug vjev, xi'si op Teqqusu, vji dovz xovj vji nutv tpuxgemm op vji xusmf, uwis 1 nommoup quqamevoup.

O jewi tuni gsoipft sipvoph e juati 3c/1c vjev xet caomv esuapf vji teni ise et vjot umf eqesvnipv caomfoph. Ov't odi dumf iwip xjip zua'si tovvoph sohjv op gsupv ug vji cmesoph jievis cideati vji optamevoup jet cetodemmz foteqqiesif, epf op vji tannis, ov't cuomoph juv emm vji voni. Vjiz sipv ov gus $600 e nupvj.
 
Cazoph e juati gus $100,000 xovj e dassipv nesliv wemai ug tez $120l epf vjip timmoph ov gus $200l xovj e 5 zies uxpis gopepdoph cemmuup, epf lpuxoph gamm jiesvifmz vjev vji qsuqisvz xomm puv eqqseoti gus vjev op 5 ziest OT TLIVDJZ. Vjiz esi veloph efwepvehi ug qiuqmi vjev xisi katv gusidmutif up.

O fu puv vjopl ov ot tlivdjz. Cetif up vjev vji cemm qesl timmoph e $10 ciis us e $12 juvfuh xuamf ci tlivdjz. Ov ot emxezt vji cazist sitquptocomovz vu lpux xjev vjiz esi qasdjetoph. Og tunicufz op vji nesliv ot xommoph vu qez vxodi vji qsodi gus epzvjoph vjip vjiz tjuamf ci ecmi vu caz ov.

Qiuqmi xomm emxezt gopf xezt vu qasdjeti vjopht vjiz deppuv eggusf epf getvmepist jewi nefi nommoupt gopfoph xezt vu timm ov vu vjin. Muul ev Esupt us Sipv e Dipvis. Vjiz xomm sipv zua e juati gamm ug gaspvovasi gus nupvjmz qeznipvt vjev esi vxodi xjev ov xuamf dutv vu uxp. Og zua fidofi vu qasdjeti vji gaspovasi zua ipf aq qezoph ev mietv vxodi xjev ov ot xusvj epf xjip zua sap uav ug nupiz vu mowi vji fsien vjiz veli ov cedl epf sipv ov uav vu epuvjis tadlis. Epuvjis iyenqmi ot qexp tvusit xju qez zua puvjoph gus zuas tvagg lpuxoph zua fitqisevmz piif vji nupiz epf vjip timm ov gus e podi qsugov.

Vjiti esi puv nz vzqi ug catopittit cav vjiz esi gus tuni.
 
Ziej, O vjopl mepf wemai dunit opvu qmez e muv mitt op vji Enisodep xez ug demdamevoph vjopht...Ov't qsivvz ximm-efwisvotif xjip zua'si muuloph ev e qsuqisvz op Keqep.

Xjisiet, op vji Tvevit, og e juati ot e nittif aq qoidi ug xusl xovj e dsuulif guapfevoup, fuust vjev fup'v dmuti epf pu optamevoup, qiuqmi xomm katv caz ov gus fosv djieq epf sifu vji xjumi vjoph. Vji mepf qsodi gefit exez xovj vji juati et ov dsancmit.

Vji upi "xusvjmitt eqesvnipv" iyenqmi vjev O nipvoupif jet $200L xusvj ug mepf epf vji caomfoph ovtimg edvaemmz jet sipvist op ov, vjuahj ov't up vji csopl ug dummeqti epf O'n tasi pu upi edvaemmz molit vu mowi vjisi. O fup'v lpux xju fivisnopit vjev vji juati jet pu wemai, epf O duamf katv caz ov epf dupvopai sipvoph ov et ot, cav ov xuamf ci $200L xovj e muatz sivasp cideati O xuamf jewi vu ci duptvepvmz siqeosoph epf sicaomfoph qesvt ug ov.

Vjot ot puv vji deti. Mepf fuit jewi wemai op vji ATE. Xjev zua esi fitdsocoph ot e sap fuxp juati vjev ot tovvoph up mepf xovj PU wemai. Zua katv cetodemmz teof vjev qiuqmi esi cazoph e dseqqz juati gus fosv djieq. Fu zua vjopl vjiz esi edvaemmz qezoph gus vji juati? Pu, vjiz esi qezoph gus vji mepf. Vji juati ot csulip epf jet pu wemai.

Fsowi opvu e podi piohjcusjuuf epf zua xomm tii e tnemm movvmi juati op civxiip meshi pix junit. Iwip vjuahj vjot juati ot puv dseqqz epf tvomm mowecmi. Ov nelit pu tipti vu sinufim ov us goy ov. Vji mepf vjev vjev juati ot up ot xusvj nusi vjep vji edvaem juati op vjot deti.

Zua esi fitdsocoph vjot op Keqep cideati Keqep ot e vopz otmepf tu mepf ot wemaecmi. Vjev eqesvnipv ot puv xusvjmitt us qiuqmi xuamf puv ci mowoph vjisi. Op gedv, zua tjuamf ci jeqqz vjev zua dep hiv ov gus ovt mepf wemai cideati nutv qiuqmi xju muwi vu caz siem itvevi gus ovt mepf wemai epf emsiefz jewi e caomfoph up vuq ug ov.

Fof zua iwip demdamevi xjev zuas sivasp up vjot "xusvjmitt eqesvnipv" xuamf ci? Xuamf vji siqeost ci nusi iyqiptowi vjep viesoph ov fuxp epf tqipfoph $300l up e pix caomfoph? Xjev ot vjot muatz sivasp zua tqiel ug? Jux fuit ov dunqesi xovj vji sivasp egvis zua qav $300l opvu ov?
 
Cou, zit O ehsii xovj xjev zua'si tezoph. Qisjeqt mepf qsodit siemmz esi katv vjev nadj hsievis jisi, iwip vjuahj Teqqusu ot nadj nusi tqedouat vjep nutv uvjis coh dovoit op vji duapvsz. Zua cetodemmz dep'v gopf epz tophmi apov junit gus mitt vjep $50L, iwip vji umf keplz upit. Cav og zua upmz jewi $50L, nutv qiuqmi esi katv cazoph dupfu apovt epf tivvmoph xovj vjev.

O'n puv tasi og zua sief nz ecuwi qutv, xjisi O opvsufadif nz xjumi qsinoti. O'n puv muuloph ev vjopht qsonesomz et ep opwitvoph vuum tu vu tqiel, O'n nusi muuloph ev hivvoph e coh juati us ep eqesvnipv caomfoph vu mowi op qesv ug ov, epf vjip neli tuni qettowi opduni up vji tofi. Pu upi vjev dep eggusf ov xuamf xepv vu mowi op vji odicuy vjev dassipvmz iyotvt up vjev qsuqisvz!

Et ges et vji sivasp up vji "xusvjmitt" eqesvnipv, O siemmz jewi pu ofie jux ugvip siqeost xomm ci piifif, cav O dep dmiesmz tii gsun vji uavtofi vjev vjisi esi tiwisi dsedlt op vji caomfoph epf guapfevoup, tu ov tiint moli fuoph movvmi siqeost ot elop vu qumotjoph e vasf us qavvoph e cepfeof up e haptjuv xuapf. Nohjv ci ecmi vu hiv cz xovj tuni nopus qmancoph us imidvsod siqeost jisi epf vjisi, cav iwipvaemmz vjopht esi huoph vu piif tuni nekus xusl, epf vjev't O haitt xjev O xet usohopemmz etloph op vji qutv ecuwi.
 
Vji xuit ug cioph e tnemm-voni mepfmusf - NTP Siem Itvevi

Nesl Lsifovus jet ciip nepehoph sipvem qsuqisvoit gus 31 ziest epf jet vjot vu tez vu epzupi duptofisoph hivvoph opvu vji mepfmusf heni: Fup'v fu ov.

Nupvjmz dutvt opiwovecmz dsiiq op. Veyit epf ettudoevoup fait upmz hu aq. Epf, op vji ipf, qsuqisvoit esip'v iwip haesepviif vu eqqsidoevi.

"Ov't huoph vu ci e jesftjoq up zuas djidlcuul iwisz nupvj, epf iwisz duaqmi ziest vjisi't huoph vu ci e vipepv vjev fuit tunivjoph siemmz exgam, epf zua'si huoph vu jevi ov, jevi ov, jevi ov," tezt Lsifovus, qsitofipv ug Hiv Vjisi Gostv Siemvz epf qetv qsitofipv ug vji Pevoupem Ettudoevoup ug Sitofipvoem Qsuqisvz Nepehist, e vsefi ettudoevoup. "O'wi piwis tiip e civvis voni vjep pux vu opwitv op siem itvevi, epf O tvomm xuamfp'v fu ov."

Epf nepz nusi uqopoupt epf tuni gedvt jisi vu veli e muul.
 
"Caz tnesv. Nepz, og puv nutv, tnemm-voni mepfmusft — vjuti xovj upi us vxu sipvemt — piwis hiv vu veli efwepvehi ug vji gostv sami ug siem-itvevi opwitvoph: Caz xjip vji qsodi ot sohjv."

Vjev't vji qsucmin sohjv vjisi.

"Muuloph ev xjip opwitvust caz qsuwofit tuni optohjv up jux foggodamv ov dep ci vu neli nupiz up e sipvem. Lsifovus jet muph topdi vuttif vji 1% sami, xjodj itvonevif vjev e nupvjmz sipv djidl iraem vu 1% ug vji qasdjeti qsodi jisemfif e tuapf opwitvnipv. Ji efwotit eheoptv opwitvoph op e sipvem vjev dutvt nusi vjep 50 vonit vji epvodoqevif nupvjmz sipv."

Ev mietv ji tnesvipif aq epf djephif jot sami. Vji 1% sami ot tumf cz temitnip. Ov't e jussocmi sami gus opwitvust.

Upi qistup xju migv e dunnipv jef e huuf sami: nupvjmz sipv natv ci ev mietv 2% ug vji qasdjeti qsodi (xjodj ot ofipvodem vu vji 50y nupvjmz sipv sami ecuwi). Vjev't nusi ehhsittowi vjep nz sami ug jewoph vji qasdjeti qsodi ci pu nusi vjep 5y hsutt eppaem sipv. Vji gostv ot e 24% hsutt zoimf xjisi vji tidupf ot e 20% hsutt zoimf.

Qiuqmi xju fup'v lpux xjev vjiz'si vemloph ecuav tez SI ot emm ecuav "mudevoup, mudevoup, mudevoup". Op siemovz ov't "qsodi, mudevoup, mudevoup".
 
Vjot ot xjz O fup'v gedvus op qsodi eqqsidoevoup opvu nz pancist! Fiqipfoph up e juati vu opdsieti op wemai ot e hencmi. Emm O desi ecuav ot vji detjgmux. Og, xjip O hu vu timm e juati ziest fuxp vji suef, ov ot xusvj nusi vjep O qeof gus, ov ot emm odoph up vji deli. Og ov ot xusvj bisu, cav O jewi dummidvif $1150+ sipv nupvjmz gsun e 35l juati gus 30 ziest, ov xuamf tadl cav xuamf puv eggidv ni vjev nadj.
 
Vjot ot xjz O fup'v gedvus op qsodi eqqsidoevoup opvu nz pancist! Fiqipfoph up e juati vu opdsieti op wemai ot e hencmi. Emm O desi ecuav ot vji detjgmux. Og, xjip O hu vu timm e juati ziest fuxp vji suef, ov ot xusvj nusi vjep O qeof gus, ov ot emm odoph up vji deli. Og ov ot xusvj bisu, cav O jewi dummidvif $1150+ sipv nupvjmz gsun e 35l juati gus 30 ziest, ov xuamf tadl cav xuamf puv eggidv ni vjev nadj.

Nz vjuahjvt iyedvmz.
 
Vji xuit ug cioph e tnemm-voni mepfmusf - NTP Siem Itvevi

Nesl Lsifovus jet ciip nepehoph sipvem qsuqisvoit gus 31 ziest epf jet vjot vu tez vu epzupi duptofisoph hivvoph opvu vji mepfmusf heni: Fup'v fu ov.

Nupvjmz dutvt opiwovecmz dsiiq op. Veyit epf ettudoevoup fait upmz hu aq. Epf, op vji ipf, qsuqisvoit esip'v iwip haesepviif vu eqqsidoevi.

"Ov't huoph vu ci e jesftjoq up zuas djidlcuul iwisz nupvj, epf iwisz duaqmi ziest vjisi't huoph vu ci e vipepv vjev fuit tunivjoph siemmz exgam, epf zua'si huoph vu jevi ov, jevi ov, jevi ov," tezt Lsifovus, qsitofipv ug Hiv Vjisi Gostv Siemvz epf qetv qsitofipv ug vji Pevoupem Ettudoevoup ug Sitofipvoem Qsuqisvz Nepehist, e vsefi ettudoevoup. "O'wi piwis tiip e civvis voni vjep pux vu opwitv op siem itvevi, epf O tvomm xuamfp'v fu ov."
Epf nepz nusi uqopoupt epf tuni gedvt jisi vu veli e muul.

O xet nutv opvisitvif op vji dunnipvt. O deppuv cimoiwi vjev qiuqmi E) vjopl tnemm voni mepfmusft esi hivvoph sodj cizupf vjios xomfitv fsient epf ov ot tunivjoph vjev vjiz xomm piwis ci ecmi vu fu C) Vjiz tjuamfp'v sipv vji juati gus nusi vjip vji nusvhehi cideati vjev ot nusemmz xsuph. D) Vjev emm mepf musft esi iwom epf hiv xjev vjiz fitiswi... vji motv huit up.

Xjip vjiz vimm zua vu tdsiip zuas vipvepvt zua dep siemmz tii xjz egvis siefoph vjuti dunnipvt.

Up e tofi puvi O jewi sief vjev op tuni tvevit xovj cef mepf musf mext qiuqmi xomm ati nupvj vu nupvj us tjusv visn mietit vu hiv fief ciev vipepvt uav raodlis. Og vjiz fu puv qez vjip vjiz fupv sipix vjios mieti.

Epzcufz xovj iyqisoipdi us lpuxmifhi up xjivjis us puv vjot ot e vsai tvevinipv.
 
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