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HomeMy WebLinkAboutR06-Redevelopment Agency - .... - - ... , AGENCY.~ST FOR Cb.1SSION/COUNCIL A910N " From: Ct: Glenda Saul, Executive Director Subject: INDUCEMENT RESOI1JTION - WESTERN COMMUNITIES ASSOCIATES PROJECT Redevelopment Agency Date: December 9, 1985 Synopsis of Previous Commission/Council ection: Ordinance 3815 Providing for the issuance of Industrial Development Bonds. Recommandad motion: (MAYOR AND COMMON COUNCIL) c That the inducement resolution presented herein for Western Communities for multifamily bonds not be approved at this time. ~~,/ Signature Glenda Saul Contact person: Supporting data attached: YES Phone: 383-5081 5 Ward: FUNDING REQUIREMENTS: Amount: $ N/A SC Project: December 16, 1985 16'QAtoJ 12-16-85 No edversa Impact on City: C'Cil Notes: Agenda Item NO.~ - - - - ,t CI~ OF SAN BERNARDI~ - REQU~T FOR COUNCIL AC~ON C"." II.." c c 75-0264 STAFF REPORT Ordinance 3815 provides for the issuance of Industrial Development Bonds, including multifamily mortgage revenue bonds. The city has received an application for bond financing from Western Communities Associates. Below is a recap of the application: Principals: Western Communities Associates, a partnership. Amount of Financing: $7,500,000 Project: Construction of 192 apartment units. Location: Northeast corner of Kendall Drive and University Parkway. Target date for financing: March 1, 1986 Construction Schedule: Start March 1, 1986 Complete July 15, 1987. Increase in jobs: During construction only. Reserve and development fees: 1% of $7,500,000 ~ $75,000. 2 bedroom 1 1/2 bath - $495/month 2 bedroom, 2 bath - $525/month 3 bedroom, 2 bath - $565/month Rent Schedule: Zoning: PRD 14 Plan conform to zoning. NOTE: This project is also covered under a Disposition and Joint Development Agreement with the Redevelopment Agency. 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" " c c c c o :> SBE003-93/1020/1313S/jm 12/04/85 o RESOLUTION NO. RESOLUTION OF THE MAYOR AND COMMON COUNCIL OF THE CITY OF SAN BERNARDINO, CALIFORNIA. DECLARING ITS INTENTION TO ISSUE ITS MULTIFAMILY MORTGAGE REVENUE BONDS; DIRECTING THE PREPARATION OF CERTAIN DOCUMENTS AND MAKING CERTAIN OTHER FINDINGS AND DETERMINATIONS IN CONNECTION THEREWITH (WESTERN COMMUNITIES ASSOCIATES PROJECT) WHEREAS, the City of San Bernardino, California (the .City.), is a .home rule city" duly organized and existing under and pursuant to a Charter adopted under the provisions of the Constitution of the State of California; and WHEREAS. pursuant to its home rule powers, the City duly and regularly enacted Ordinance No. 3815, as amended (the .Ordinance.) to finance various types of projects. as defined in the Ordinance, and to issue its special revenue bonds for the purpose of enabling various developers to finance the cost of such projects, and has amended the same from time to time; and WHEREAS, said Ordinance is intended to finance the development of industry and commerce and to thereby broaden the employment opportunities and to increase the availability of moderately priced rental units for residents of the City and to broaden the tax and revenue base of the City without any liability to the City whatsoever; and - 1 - c o o ~ WHEREAS, the City is authorized and empowered to issue C multifamily mortgage revenue bonds pursuant to Health and Safety Code Section 52000. et seq. (the "Act"); and WHEREAS, there has been presented to the Mayor and Common Council of the City of San Bernardino, California (the "Mayor and Common Council"), an Application, attached hereto as Exhibit "A" and incorporated herein by reference. by Western Communities Associates, a California general partnership, or their successors or assigns (the "Applicant"), requesting the issuance of multifamily mortgage revenue bonds in the principal amount not to exceed $7,500,000 for the purpose of financing, on behalf of the Applicant, a certain Project, to wit: the acquisition of a parcel of land located in the - . vicinity the southeast corner of the intersection of Kendall Drive t '- and Uni versi ty Parkway as more fully described in Tentative Tract No. 13039 in the City and the construction and operation thereon of a one hundred and ninety-two (192) unit multifamily rental housing development. The Project shall also include laundry facilities, swimming pool. appurtenant landscaping and other improvements; and WHEREAS, it is appropriate for the City to take certain action at this time regarding the requests of the Applicant. NOW. THEREFORE, THE MAYOR AND COMMON COUNCIL OF THE CITY OF SAN BERNARDINO, CALIFORNIA, DO HEREBY FIND, RESOLVE, DETERMINE AND ORDER AS FOLLOWS: c - 2 - - - - " c 0 0 0 Section l. That the recitals set forth hereinabove are C true and correct in all respects. c Section 2. The City is a municipal corporation dUly created, established and authorized to transact business and exercise its powers. all under and pursuant to the Constitution and laws of the State of California, and the City Charter of the City, and the powers of the City include the power to issue bonds for any of its corporate purposes. Section 3. Pursuant to the Charter of the City, the Ordinance and the Act, the City is legally authorized to issue special revenue bonds for the construction and permanent financing of the Project as more fully described in the recitals hereof. Section 4. This body constitutes the governing body of the City and is legally authorized to provide for the issuance of such special revenue bonds by the City. Section 5. The Project referred to in the recitals hereof constitutes a project which may be financed by the issuance of such special revenue bonds by the City and located within the jurisdiction of the City. Section 6. The Mayor and Common Council hereby declare their intention to issue multifamily mortgage revenue bonds of the C City for the acquisition of land and the construction, equipping and - 3 - - - - - c o o .:> ,. c permanent financing thereon of the Project under and in accordance with the Ordinance and the Act, in amounts sufficient to pay the costs of financing the Project in one or more series- of financings and of paying the costs of issuance for the multifamily mortgage revenue bonds and for the establishment of the necessary reserve funds to provide for the financing of said Project. Said Project is presently Project" . identified as the .Western Communities Associates Any agreement for such financing shall specify that the multifamily mortgage revenue bonds which may hereafter be issued in connection with the Project are a special obligation of the City and that they shall not constitute a debt of the City and that the City's general funds shall not be liable for repayment of such multifamily mortgage revenue bonds. c Section 7. The City hereby declares its intention to exercise the authori ty referred to in Section 3 hereof by issuing multifamily mortgage revenue bonds of the City in such amounts as will be adequate to implement the City financing of the Project. Section 8. The bonds shall be payable from the revenues described in the Ordinance and/or the Act. Section 9. The bonds shall be and are special obligations of the City. and, subject to the right of the City to apply moneys as provided in the applicable laws. are secured by such revenues as are specified in the proceedings for the issuance of C such bonds and funds and accounts to be held by the trustee or - 4 - c c c - - c :> o o fiscal agent, and are payable as to principal, redemption price, if any. and interest from the revenues of the City as therein described. The bonds are not a debt of the City, the State of California or any of its political subdivisions, and neither the City, the State, nor any of its political subdivisions is liable thereon, nor in any event shall the bonds be payable out of the funds or properties other than all or any part of the revenues, mortgage loans. and funds and accounts as in this Resolution set forth. The bonds do not constitute an indebtedness within the meaning of any constitutional or statutory debt limitation or restriction. Neither the persons serving as the Mayor and Common Council nor any persons executing the bonds shall be liable personally on the bonds or subject to any personal liability or accountability by reason of the issuance thereof. ' Section 10. The details of such bonds, including the establishing of the aggregate face amount of such obligations, shall be authorized by indenture, resolution or resolutions of the City at a meeting or meetings to be held for such purpose. The City Staff, Sabo & Gondek. a Professional Corporation, as Bond Counsel to the City, the Underwriters, the Applicant and the agents and representatives of same are hereby authorized and directed to prepare or cause to be prepared the necessary legal documents, including the Project Agreement, Resolution of Issuance, and such other documents as may be necessary to effect said Project and the issuance of industrial development revenue bonds therefor and to present same to said Mayor and Common Counci 1. The Mayor of the - 5 - c c c c o o .~ City is hereby authorized and directed to coordinate the efforts of all concerned relating to the issuance and sale of the bonds. and the City Staff, consultants, legal counsel to the City and Bond Counsel as referenced above are hereby di rected to take such steps as shall be appropriate to implement such sale and delivery of the bonds including working with persons who may acquire vested rights as the result of such actions. Section 11. The issuance of multifamily mortgage revenue bonds may be authorized by appropriate resolution or resolutions of the City at a meeting or meetings to be held for such purpose, subject to the execution of appropriate agreements by the Applicant and the City as requi red by the Ordinance and/or the Act and the industrial development bond financing program of the City. Section 12. It is intended that this Resolution shall constitute such .official action" toward the issuance of the bonds wi thin the meaning of the United States Treasury Regulations, the United States Tax Laws, and any legislation now or hereafter pending in the Congress of the United States which may require official action in order for the bonds to be exempt from federal income taxation. Section 13. At the closing of the financing there shall be paid to the City the fee set forth in Resolution No. 81-108 of the Mayor and Common Council, adopted March 13. 1981, as amended by - 6 - c c c c :) o o Resolution No. 81-410. September 24. 1981. and Common Counci 1, adopted of the Mayor Section 14. The Applicant shall provide appropriate covenants in the tax-exempt financing documents as may hereinafter be submitted to the City for consideration and approval in a form acceptable to the City Attorney and Bond Counsel and to assure that not less than twenty percent (20%) of the multifamily rental housing units included in the Project are to be occupied or reserved fo~ occupancy by the individuals of low and moderate income as provided in the Code. Section 15. Prior to issuance of any bonds for the Project as may hereafter be approved pursuant to the appropriate resolution or resolutions of the City, the Applicant shall provide for the recordation of a covenant running with the land in a form approved by the City Attorney of the City whereunder the Applicant waives any claim under State law to a density bonus, as defined by Government Code Sections 65915 and 65915.5, for the property on which the Project is to be constructed. Section 16. The approval as herein granted and the final approval of the Project and the financing thereof are specifically conditioned upon the Mayor and Common Council approving the final environmental assessments and other environmental documents prepared or to be prepared pursuant to the provisions of the California Environmental Quality Act of 1970, as amended, with respect to any - 7 - c c c - - - - c o o o and all environmental conditions with regard to the operations of the Project as proposed by the Applicant in the Application. Adoption of this Resolution shall not be construed as approval of the plans or concept of the proposed development, nor as an indication that the Mayor and Common Council will hereafter take any particular action toward granting any planning. zoning. or other approval relating to a plan of development. The Mayor and Common Council reserves its right to evaluate any future administrative procedures and appeals based solely on the information available ~t the time of consideration, including any actions or recommendations by or appeals from the Development Review Committee and the Planning Commission. Nothing herein shall be construed as advance commitment or approval as to any such matter, and the Applicant is hereby . notified that normal planning processing shall be required, in accordance with the standard procedures of the City and that the Applicant will be required to comply with all applicable laws and ordinances of the City, State and federal government. - 8 - c c c - c Section 17. adoption. I HEREBY adopted by the San Bernardino at the day of wit: AYES: NAYS: ABSENT: - - o o :> This Resolution shall take effect upon CERTIFY Mayor a the foregoing resolution Common Counci 1 of the meeting thereof, , 1985, by the following that and Council Members was duly City of held on vote. to City Clerk of . The foregoing resolution is hereby approved this , 1985. Approved as to form: day Mayor of the City of San Bernardino City Attorney - 9 - c 0 0 ~ STATE OF CAL~FORNIA ) C COUNTY OF SAN BERNARDINO ) ss. CITY OF SAN BERNARDINO ) I, SHAUNA CLARK, City Clerk Bernardino, DO HEREBY CERTIFY that the of San Bernardino City Resolution No. correct copy of that now on file in this in and for foregoing is the City of San and attached copy a full. true and office. IN WITNESS WHEREOF. I have hereunto set my hand and affixed the official seal of the City of San Bernardino this day of , 1985. City Clerk c c - 10 - c c - \C c o ~ o S.n lerurdlno 60,OOS-II2-7 APPLICATION GUIOELINES 'ART . Ii,ENERAL AND IUSINESS .NFORPIATION '.1 Legal ~me of the appllcent. WESTERN COMMUNITIES ASSOCIATES 1.2 Line of lluslnell. REAL ESTATE DEVELOPMENT 1.3 Mall'ng address for purposes of applicatIon I'alson, and address of headquarters. 7777 Alvarado Road, Suite 621 La Mesa, CA 92041 1.4 Elllployer 'nterNI Revenue ServIce '.D. 10. 95-3434592 I.S Name and tItle of prIncIpal contact. ROBERT C. SPRIGGS 1.6 'hone number(s). (619) 697-4877 1.7 Type of busIness or.anlzatlon: 1.7.1 'Iace of organIzation, SAN DIEGO, CALIFORNIA 1.7.2 Date of orglnlzatlon, and November 8, 1978 (See attached) 1.7.3 The Nture of legll affiliation or relationship wIth other entities (Parent - subsidiary, division, common ownership, ~tc.). PARTNERSHIP (See attached) 1.8 Constitution of ownership of the company, Including percentage Of holdings by teneral public. 100% I.' Nemes and locations of key offlcllls, Including: 1.'.1 'rlnclpal officers. ROBERT C. SPRIGGS AND DOUGLAS K. BRUNDAGE 1.'.2 Directors, and ROBERT C. SPRIGGS AND DOUGLAS K. BRUNDAGE 1.'.3 PrincipII Itockholders (over lOt ownership). ROBERT C. SPRIGGS AND DOUGLAS K. BRUNDAGE 1.10 Description of other business afflllltlons of prIncIpal officers, directors, and princIpII stockholders. N/A -S- D91-S(ie) 11/9179 f"'" "- c c~ c San Bernardino 60,005-42-7, , o 1.11 "'ploy..s (If operations are conlSuctelS in state. other ,than California, plea.e describe relative Dature of intrastate and national activities) inclwUng: 1.11.1 .umber of employees in CalLfornia, and FIVE 1.11.2 Locations in California. 7777 Alvarado Road, Suite 621 La Mesa, CA 92041 1.12 Expert Sezvices: 1.12.1 !'he appUcant'. accountant and prLncipal contact at such fizm, TOUCHE ROSS (See attached) 1.12.2 !he appUcant's attorneys and prLncipal contact at such fizm, and MARK STENDER (See attached). 1.12.3 Any experts or fizms of experts that will be inwlved and the prLncipal contact. at each fizm. M/A 1.13 PrLncipal bank of account and Dame of officers hanlSlLng accoUDt. UNION BANK - BILL STEPHENS 1.14 !he source of funding for the project. MULTI-FAMILY BOND FINANCING PART II BOND ISStJE 2.1 Provide the estimated ~otal amount of the financing with a ~ahulation of proposed use of bond proceed., including: . 2.1.1 Project coat, $6,500,000.00 2.1.2 Legal, prLnting and related fees, $25,000.00 2.1.3 Financing costs anlS f..s, 2.1.4 CapitalizelS interest, and 2.1.5 Other llliscellaneous costa. 2.2 Estimated target date of financing. 2.3 EstimatelS times of financing. $500.000.00 $400,000.00 $25,000.00 March 1, 1986 N/A 2.4 !'ype of bonIS sale (prLvate placement, underwritten offering). UNDETERMINED AT THIS TIME. -6- D91-6(ic) 11/9/79 c o c o UNIVERSITY VILLAGE 192 UNIT APARTMENT PROJECT PROJECT COST Land Draw Required Cost of Project Construction Bond Financing Points and Fees Course of Construction Interest c and Reserves Marketing Title and Legal Miscellaneous and Contingency Development G. & A., Management Fee c :) $ 545,000 5,467,200 500,000 400,000 50,000 25,000 200,000 300,000 $7,487.200 C en (') 0 (') r 0 Z l- t) < a: I- w > I- < I- Z W I- ~ .. ~ ... .. .. - .... ..." iii 'UCD- 5::;~ ftlCl)N"'" a: '" ..... . CD UJ .,'0 ... c .!~.!!"':' > _a:ccn C OeD o ::t -- lID E o.-cn ~ E'i ii; U) o..u- u: .1; cc:c ~ ,,0 .!,...,::E-a ..... " '''''11'; :>,......J~ !iN e.., I,; ~~ .E 'ill) OJ 0" Z.. CD - ~"... o ~M o. z _:g.!:;: IU CD '0- e - - ." OlICCCD CO..C WID CD 0 m.c ". 0. ~OC.!! 5cL:~ c c - -: ~ - II .... = II J .. .. II. ,II.. II ~ ..!! - l- ID 0. C ::I! .. OJ ~ .. '" OJ .. o ! Iii ;( OJ .r I- n .. II Ii = = II Il.,... - 8'J.-~S"'609 ~' - .. ,. , (irl:. :.' I. I o~ s,:.,.. !. ' '. I', , , .. , ;'" OtJEST OF I,',' l\:' .;J~".c[; CO Upon recording mail to: Mark It. Stender Attorney at Law 401 Weat .A' St., Ste. 1400 San Diego, CA '2101 138\ "'t 30 1'1:e: 55 ~'t1;'i;' ftAllOo. . CIP '__1' , . CIP .--~l \"': ."--' \ 'lA(j_~.. .. .....- ca.DllIU88 ..-CCIAft:S PUl'suant to California Corporations Code S,!ction 15010.5. the following Statement of Partnership is hereby m;od", and given this ~.day of , . .. ,. , 1'.4: \ 1. The name of the PartnershIp is. ....- Cx.IUIIIfta NllJOCXAftS, 2. The names of the partners are. WESTERN COMMUNITIES, SOUTHERN CALIFORNlA, INC., a California corporatIon, and, OARMOR DEVELOPMENT, a California corporation 3. The partners named in paragraph 2 above ar.. all ...", partners of the partnership. WESTER~ COMMUNITIES. SOUTHERN CALIFORNIA, INC.. . , OARMOR ME?T, '// : . I I . / ' ii, , ., .~f as, -Pr0~ i d~r.. By _: I.. ~! i DOUG MUM/AGE. "l ,. /., P~~sident By ROBERT "c;(~.." CZ~~ ~ ,,; J _1 - ~. = ,- -- ' .j 1699 VDXPICAftOll DOUG BRUNDAGE declare. and .t.te.. 2. Be h Preaident of WESTERN COMMUNITIES, SOU'fJtI;I<:; CALIFORNIA, INC.. a California corporation, on~ or the partner. in the above-named partner.hip, He ha. read the foregoing Statement of Partner.hipI end, The utter. .tated therein are' true of his own knowledge. , , 1. 3. BXECUTBD thh \\ penalty of perjury under--rhi day of . laws of C~iforhia. I ' , 'I ~,! .v: , DOUG BRUNUAGE , 1984, und("'r . . '- .1.,~" ... .' f I ROBER'r C. SPRIGGS declare. and .tates. 1. He h preaident of DARKOR DEVELOPMENT, .. CaUfornia corporation. one of the' partners in tl,,~ above-named partner.hipI 2. He he. reed the foregoing Statement uf partner.hlpl end, 3. The ..tter. .tated therein ere true of his own knowledge. EXECUTED this ", penalty of perjury under the day of d.f. laws of CaU forn!~i' il i '/" , .,1- 1984, un,j"r STATE OF CALIFORNIA COUNTY OF SAN DIEGO ss. On . 1984, before .... a notary f";': 1,- in and for _a1d 'County and State, personally app"aro?i ,,"'''' BRUNDAGI::, kncno;n to ... to be the person who executed th" wi t" 1 c. instru...nt as Preaident of WESTERN COMMUNITI I::S, Sut"h!: "'" CI'.LIFORNII'., I"C., and ROBERT C. SPRIGGS. known to me to b" tho,' person who executed the wi thin -instrument as Presidpnt of il"~l.".~\.j~ DI::VI:.LOPMI::NT, and acknowledged to ... that said corpor,,' ,',,,; execu'ted it pursuant to their respective bylaws. DATED. 6;;"~"\ .~' ~') ~..;.:-- I ,I ,~ 'Ill "lA' 'TH~i. 'It.. r: fonD Notary Public in and f~~"'." County and State SEI'.L. .10'. " '..'.,'" ~ ;.... ...... - t.., r .'.1....'... .1"0 ~'I 't... ...... f, j'~"\' 2- c ,..., v c .",,p.""'- --~- I :. ' 'II'P"! 1'.1 ~I! I'~fi :1!llllli Iii" I'i"" I III &I.lflu! li.l.I;,: , 'I' 11:'1 1,,1, i' , . ~ \\1 C ~ ),;l " r . 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I c c c -' - o o ~ Western Communities Founded in 1973 by Robert C. Spriggs and Douglas K. Brundage, Western Communities has successfully planned. developed, marketed and managed all types of real estate projects. From their offices located in La Hesa, California, the firm has developed over 1,000 single and multi-family units, in addition to 365,000 square feet of light industrial, office and commercial space in San Diego, Riverside and San Bernardino COunties. Robert C. Spriggs, President, became involved in the real estate profession in 1960, after having migrated from England. With a considerable talent for marketing, he quickly emerged as Managing Director of College Ranch Properties. His success there includes the construction and sale of over 500 residential properties and the development of 150,000 square feet of industrial park. At Western Communities, Hr. Spriggs is responsible for the firm's land acquisition. management, marketing and financing. He holds both a contractor's and real estate broker's lincense. Douglas K. Brundage, President of Western Communities of Southern California. also began his building career as a construction supervisor for College Ranch Properties while attending Brigham Young University. Over a decade ago, he joined Western Communities as Vice President, Construction. In 1978, Mr. Brundage formed Western Communities of Southern California, a subsidiary company. Mr. Brundage is in charge of corporate administration, construction management and purchasing of the projects undertaken by Western Communities. .e c :. PROJECTS o DEVELOPED BY WESTERN o COMMUNITIES ~ Western Communities has developed, marketed and managed more than 25 projects'since 1973, with more presently under construction and in the planning stages. Two projects, noted below (*), received the Building Industry Association of San Diego's Sales and Marketing Award for the "Best Project." A third project (+) was a Pacific Coast Builder's Conference Gold Nugget Award winner. Another (t) received a City of San Diego Shelter Award in 1983. Following is a partial list: PROJECT NAME EAST HIGHLAND PAL~IRIDGE + CANYON HEIGHTS VISTA PALMERA CARMEL WEST WOODRIDGE PALM TERRACE * LAKERIDGE PARK t OTAY VILLAS * SL'l\SET WOODS BONITA GREENS PAUl VIEI~ <:: OCEAN POINTE STO\~-A-I~AY BRADLEY ARMS CANYON VISTA PROJECT SIZE 2,000 Unit Master Planned Community (see footnote below) 208 Single Family Homes 75 Unit Condominiums 106 Single Family Homes 156 Lot Subdivision 102 Single Family Homes 68 Unit Condominiums 98 Unit Condominiums 78 Unit Apartments 50 Unit Condominiums 32 Single Family Homes 28 Single Family Homes 86,000 sq. ft. Office & Industrial Complex (R&D) 2 Personal Storage Complexes (206,000 sq.ft. combined) 117 Unit Apartments (utilizing State Multi- Family Bond Financing) 106 Unit Apartments PROJECTS PRESENTLY BEING DEVELOPED PROJECT NAME PROJECT SIZE GUAVA GARDENS ORANGE GLEN PARKS I DE UNIVERSITY VILLAGE Footnote: 81 Unit Senior Apartments 124 Unit Apartments 20 Unit Apartments 210 Unit Apartments LOCATION SALES VALUE San Bernardino $ 60 million San Diego $ 18 million Palm Springs $ 12 million Redlands $ 9 million San Diego $6.3 million San Bernardino $ 6 million San Diego $4.2 million El Cajon $ 4 million San Diego $1." ai.llion El Cajon $ 3 mi llion San Dieg<l $2.7 milli<ln San Diego $1.5 million Carlsbad $ 10 million Escondido $ 6 million Riverside San Diego $ 5 million San Diego $ 4 million LOCATION SALES VALUE La Mesa Chula Vista San Diego San Bernardino $ $ $ $ 4 mi llion 5 million 1 million 9 million c Western Communities co-managed the development through the approval process. The property was then sold by the firm to Mobil Development Corporation. 76 - Plan A - 822 sq. ft. - 2 Bed 1~ Bath 98 - Plan B - 873 sq. ft. - 2 Bed 2 Bath 18 - Plan C - 1,000 sq. ft. - 3 Bed 2 Bath C Other Income c c Gross Scheduled Income Less 5% Vacancy Gross Operating Income Less 28% Expenses o o UN IVERS I TY VI LLAGE 192 UNIT APARTMENT PROJECT PROJECT INCOME PRO-FORMA $ 495.00 month $ 451,440 525.00 month 565.00 month 2,000.00 month Net Operating Income available for Debt Service c 617,400 122,040 24,000 1,214,880 60,744 1,154,136 323,158 $ 830,978 ~. .j