<html xmlns:v="urn:schemas-microsoft-com:vml" xmlns:o="urn:schemas-microsoft-com:office:office" xmlns:w="urn:schemas-microsoft-com:office:word" xmlns:m="http://schemas.microsoft.com/office/2004/12/omml" xmlns="http://www.w3.org/TR/REC-html40">
<head>
<meta http-equiv="Content-Type" content="text/html; charset=utf-8">
<meta name="Generator" content="Microsoft Word 15 (filtered medium)">
<style><!--
/* Font Definitions */
@font-face
{font-family:Helvetica;
panose-1:2 11 6 4 2 2 2 2 2 4;}
@font-face
{font-family:Wingdings;
panose-1:5 0 0 0 0 0 0 0 0 0;}
@font-face
{font-family:"Cambria Math";
panose-1:2 4 5 3 5 4 6 3 2 4;}
@font-face
{font-family:Calibri;
panose-1:2 15 5 2 2 2 4 3 2 4;}
@font-face
{font-family:"Century Schoolbook";
panose-1:2 4 6 4 5 5 5 2 3 4;}
@font-face
{font-family:"Segoe UI";
panose-1:2 11 5 2 4 2 4 2 2 3;}
@font-face
{font-family:Georgia;
panose-1:2 4 5 2 5 4 5 2 3 3;}
@font-face
{font-family:"Helvetica Neue";
panose-1:0 0 0 0 0 0 0 0 0 0;}
@font-face
{font-family:"Source Sans Pro";}
/* Style Definitions */
p.MsoNormal, li.MsoNormal, div.MsoNormal
{margin:0cm;
margin-bottom:.0001pt;
font-size:11.0pt;
font-family:"Calibri",sans-serif;}
h1
{mso-style-priority:9;
mso-style-link:"Heading 1 Char";
mso-margin-top-alt:auto;
margin-right:0cm;
mso-margin-bottom-alt:auto;
margin-left:0cm;
font-size:24.0pt;
font-family:"Calibri",sans-serif;}
h3
{mso-style-priority:9;
mso-style-link:"Heading 3 Char";
margin-top:2.0pt;
margin-right:0cm;
margin-bottom:0cm;
margin-left:0cm;
margin-bottom:.0001pt;
page-break-after:avoid;
font-size:12.0pt;
font-family:"Calibri Light",sans-serif;
color:#1F3763;
font-weight:normal;}
a:link, span.MsoHyperlink
{mso-style-priority:99;
color:blue;
text-decoration:underline;}
a:visited, span.MsoHyperlinkFollowed
{mso-style-priority:99;
color:purple;
text-decoration:underline;}
p.MsoListParagraph, li.MsoListParagraph, div.MsoListParagraph
{mso-style-priority:34;
margin-top:0cm;
margin-right:0cm;
margin-bottom:0cm;
margin-left:36.0pt;
margin-bottom:.0001pt;
font-size:11.0pt;
font-family:"Calibri",sans-serif;}
p.msonormal0, li.msonormal0, div.msonormal0
{mso-style-name:msonormal;
mso-margin-top-alt:auto;
margin-right:0cm;
mso-margin-bottom-alt:auto;
margin-left:0cm;
font-size:11.0pt;
font-family:"Calibri",sans-serif;}
span.Heading1Char
{mso-style-name:"Heading 1 Char";
mso-style-priority:9;
mso-style-link:"Heading 1";
font-family:"Calibri Light",sans-serif;
color:#2F5496;}
span.c-author-badgeinitials
{mso-style-name:c-author-badgeinitials;}
span.articleauthor-by
{mso-style-name:articleauthor-by;}
span.articleauthor-name
{mso-style-name:articleauthor-name;}
span.articleauthor-credit
{mso-style-name:articleauthor-credit;}
span.articlepublished-date
{mso-style-name:articlepublished-date;}
span.articlereadtime
{mso-style-name:articlereadtime;}
span.EmailStyle25
{mso-style-type:personal-reply;
font-family:"Century Schoolbook",serif;
color:windowtext;
font-weight:normal;
font-style:normal;}
span.Heading3Char
{mso-style-name:"Heading 3 Char";
mso-style-priority:9;
mso-style-link:"Heading 3";
font-family:"Calibri Light",sans-serif;
color:#1F3763;}
span.postauthor
{mso-style-name:post_author;
font-family:"Times New Roman",serif;}
span.postdate
{mso-style-name:post_date;
font-family:"Times New Roman",serif;}
span.postauthorintro
{mso-style-name:post_author_intro;
font-family:"Times New Roman",serif;}
.MsoChpDefault
{mso-style-type:export-only;
font-size:10.0pt;}
@page WordSection1
{size:612.0pt 792.0pt;
margin:72.0pt 72.0pt 72.0pt 72.0pt;}
div.WordSection1
{page:WordSection1;}
/* List Definitions */
@list l0
{mso-list-id:1645894356;
mso-list-type:hybrid;
mso-list-template-ids:-1731430204 269025281 269025283 269025285 269025281 269025283 269025285 269025281 269025283 269025285;}
@list l0:level1
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:none;
mso-level-number-position:left;
text-indent:-18.0pt;
font-family:Symbol;}
@list l0:level2
{mso-level-number-format:bullet;
mso-level-text:o;
mso-level-tab-stop:none;
mso-level-number-position:left;
text-indent:-18.0pt;
font-family:"Courier New";}
@list l0:level3
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:none;
mso-level-number-position:left;
text-indent:-18.0pt;
font-family:Wingdings;}
@list l0:level4
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:none;
mso-level-number-position:left;
text-indent:-18.0pt;
font-family:Symbol;}
@list l0:level5
{mso-level-number-format:bullet;
mso-level-text:o;
mso-level-tab-stop:none;
mso-level-number-position:left;
text-indent:-18.0pt;
font-family:"Courier New";}
@list l0:level6
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:none;
mso-level-number-position:left;
text-indent:-18.0pt;
font-family:Wingdings;}
@list l0:level7
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:none;
mso-level-number-position:left;
text-indent:-18.0pt;
font-family:Symbol;}
@list l0:level8
{mso-level-number-format:bullet;
mso-level-text:o;
mso-level-tab-stop:none;
mso-level-number-position:left;
text-indent:-18.0pt;
font-family:"Courier New";}
@list l0:level9
{mso-level-number-format:bullet;
mso-level-text:;
mso-level-tab-stop:none;
mso-level-number-position:left;
text-indent:-18.0pt;
font-family:Wingdings;}
ol
{margin-bottom:0cm;}
ul
{margin-bottom:0cm;}
--></style><!--[if gte mso 9]><xml>
<o:shapedefaults v:ext="edit" spidmax="1026" />
</xml><![endif]--><!--[if gte mso 9]><xml>
<o:shapelayout v:ext="edit">
<o:idmap v:ext="edit" data="1" />
</o:shapelayout></xml><![endif]-->
</head>
<body lang="EN-CA" link="blue" vlink="purple">
<div class="WordSection1">
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Century Schoolbook",serif;mso-fareast-language:EN-US">Allan – The REITs pass profits on to their shareholders as dividends, so taxes are only paid when the shareholders receive the dividends (which
could be years after they are earned), and dividends have usually been taxed at a lower rate and at different rates depending on how long one has owned the stock. We should ask our Churches why they are not talking
</span><span style="font-size:12.0pt;font-family:"Century Schoolbook",serif;mso-fareast-language:EN-US">about
<b>‘</b></span><b><span style="font-size:12.0pt;font-family:"Century Schoolbook",serif;color:#0A0A0A">Homewreckers’</span></b><span style="font-size:12.0pt;font-family:"Century Schoolbook",serif;color:#0A0A0A"> – the book you mention.
</span><span style="font-size:12.0pt;font-family:"Century Schoolbook",serif;mso-fareast-language:EN-US"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Century Schoolbook",serif;mso-fareast-language:EN-US"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Century Schoolbook",serif;mso-fareast-language:EN-US">Below are some interesting web sites.
<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Century Schoolbook",serif;mso-fareast-language:EN-US"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Century Schoolbook",serif;mso-fareast-language:EN-US">“<b>Evicted by Greed”</b> will become a new rallying cry in the months ahead.
<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Century Schoolbook",serif;mso-fareast-language:EN-US">See<b>:
</b></span><b><span style="font-size:12.0pt"><a href="https://transparencyinternational.cmail20.com/t/r-l-jkvuiit-urhkdlhiud-x/" target="_blank"><span style="font-family:"Helvetica Neue",serif;color:#3695D8">Online conference: Evicted by Greed – Global Finance,
Housing & Resistance</span></a></span></b><span style="font-family:"Helvetica Neue",serif;color:#5D5D5D"><o:p></o:p></span></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><b>One of the biggest housing investors, BlackRock, lost $90bn investing in fossil fuel companies:
</b>, Jul 31, 2019 - BlackRock lost $90bn investing in fossil fuel companies, report finds. BlackRock, the world's biggest investor, has lost an estimated $90bn over the last decade by ignoring the serious financial risk of investing in fossil fuel companies,
according to economists.<br>
<br>
<span style="font-size:12.0pt;font-family:"Century Schoolbook",serif;mso-fareast-language:EN-US"><o:p></o:p></span></p>
<p class="MsoNormal"><b><span style="font-size:12.0pt;font-family:"Century Schoolbook",serif">Cornell West</span></b><span style="font-size:12.0pt;font-family:"Century Schoolbook",serif"> - Trump appointed the most right-wing zealots
<o:p></o:p></span></p>
<ul style="margin-top:0cm" type="disc">
<li class="MsoListParagraph" style="margin-left:0cm;mso-list:l0 level1 lfo1"><span style="font-size:12.0pt;font-family:"Century Schoolbook",serif">Steve Mnuchin' was owner of a mortgage bank that foreclosed on 36,000 home owners.<o:p></o:p></span></li><li class="MsoListParagraph" style="margin-left:0cm;mso-list:l0 level1 lfo1"><span style="font-size:12.0pt;font-family:"Century Schoolbook",serif">Goldman Sachs President Gary Cohn<o:p></o:p></span></li><li class="MsoListParagraph" style="margin-left:0cm;mso-list:l0 level1 lfo1"><span style="font-size:12.0pt;font-family:"Century Schoolbook",serif">Billionaire Wilbur Ross to head the Commerce Dept for Trump<o:p></o:p></span></li></ul>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Century Schoolbook",serif">Trump accused Ted Cruz in the 2016 debates of being beholden to Goldman Sachs.<o:p></o:p></span></p>
<p class="MsoNormal"><b><span style="font-size:12.0pt;font-family:"Century Schoolbook",serif">Steve Mnuchin’s hedge fund – IndyMach</span></b><span style="font-size:12.0pt;font-family:"Century Schoolbook",serif">- Trump named him to lead Treasury Dept – he
was accused of running ‘a foreclosure machine’ 36,000 foreclosures of homes in California – he sold his company for $4 billion and made a $1.3billion profit<br>
</span><span style="font-size:10.5pt;font-family:"Arial",sans-serif;color:#202122;background:white">Wikipedia -During the </span><a href="https://en.wikipedia.org/wiki/Financial_crisis_of_2007%E2%80%932008" title="Financial crisis of 2007–2008"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;color:#0B0080;background:white">financial
crisis of 2007–2008</span></a><span style="font-size:10.5pt;font-family:"Arial",sans-serif;color:#202122;background:white">, Mnuchin bought failed residential lender </span><a href="https://en.wikipedia.org/wiki/IndyMac" title="IndyMac"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;color:#0B0080;background:white">IndyMac</span></a><span style="font-size:10.5pt;font-family:"Arial",sans-serif;color:#202122;background:white">.
He changed the name to </span><a href="https://en.wikipedia.org/wiki/OneWest_Bank" title="OneWest Bank"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;color:#0B0080;background:white">OneWest Bank</span></a><span style="font-size:10.5pt;font-family:"Arial",sans-serif;color:#202122;background:white"> and
rebuilt the bank, then sold it to </span><a href="https://en.wikipedia.org/wiki/CIT_Group" title="CIT Group"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;color:#0B0080;background:white">CIT Group</span></a><span style="font-size:10.5pt;font-family:"Arial",sans-serif;color:#202122;background:white"> in
2015.<br>
OneWest was criticized for aggressively foreclosing on homeowners. In the five years following Mnuchin's acquisition of OneWest,
<span style="background:yellow;mso-highlight:yellow">the bank foreclosed on 36,000 homes in California</span>, leading local activists to begin calling Mnuchin "the foreclosure king."</span><sup><span style="font-family:"Arial",sans-serif;color:#202122;background:white"><a href="https://en.wikipedia.org/wiki/Steven_Mnuchin#cite_note-41"><span style="color:#0B0080">[4</span></a>
<a href="https://en.wikipedia.org/wiki/Steven_Mnuchin#Foreclosures">https://en.wikipedia.org/wiki/Steven_Mnuchin#Foreclosures</a>
<o:p></o:p></span></sup></p>
<h1 style="margin:0cm;margin-bottom:.0001pt;line-height:25.5pt;background:white">
<span style="font-size:12.0pt;color:black"><a href="https://www.counterpunch.org/2020/04/08/blackrock-takes-command/"><span style="color:#333333">BlackRock Takes Command</span></a><o:p></o:p></span></h1>
<p class="MsoNormal"><span class="postauthorintro"><span style="font-size:10.0pt;font-family:"Source Sans Pro",sans-serif;color:#1E1E1E;background:white">by</span></span><span style="font-size:10.0pt;font-family:"Source Sans Pro",sans-serif;color:#1E1E1E;background:white"> </span><span class="postauthor"><span style="font-size:10.0pt;font-family:"Source Sans Pro",sans-serif;color:#1E1E1E;text-transform:uppercase;letter-spacing:.75pt;background:white"><a href="https://www.counterpunch.org/author/dr4pudug/"><span style="color:#1E1E1E">JOYCE
NELSON</span></a> - </span></span><span style="font-size:12.0pt;font-family:"Century Schoolbook",serif"><o:p></o:p></span></p>
<p class="MsoNormal"><span class="postdate"><b><span style="font-family:"Source Sans Pro",sans-serif;color:#1E1E1E;text-transform:uppercase;letter-spacing:.75pt;background:white">APRIL 8, 2020</span></b></span><b><o:p></o:p></b></p>
<p class="MsoNormal"><span style="color:#111111;background:white">The mainstream financial press has been remarkably quiet
<b>about the Federal Reserve’s appointment (March 24) of BlackRock to manage its massive corporate debt purchase program in response to the Covid-19 crisis.</b></span><b><span style="font-family:"Century Schoolbook",serif"><o:p></o:p></span></b></p>
<p class="MsoNormal"><a href="https://www.counterpunch.org/2020/04/08/blackrock-takes-command/">https://www.counterpunch.org/2020/04/08/blackrock-takes-command/</a><o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Century Schoolbook",serif;mso-fareast-language:EN-US"><o:p> </o:p></span></p>
<div>
<div style="border:none;border-top:solid #E1E1E1 1.0pt;padding:3.0pt 0cm 0cm 0cm">
<p class="MsoNormal"><b><span lang="EN-US">From:</span></b><span lang="EN-US"> Allan Baker <allan.baker7878@gmail.com>
<br>
<b>Sent:</b> March 6, 2021 3:40 PM<br>
<b>To:</b> Assisting virtual Craic <craic@lists.integralshift.ca><br>
<b>Cc:</b> David Walsh <david@dwalsh.ca><br>
<b>Subject:</b> Re: [Craic] FW: The big business behind the affordable rental housing crunch<o:p></o:p></span></p>
</div>
</div>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">Thanks David.<o:p></o:p></p>
<div>
<p class="MsoNormal"><o:p> </o:p></p>
</div>
<div>
<p class="MsoNormal">I have read the article and have questions about the role of Real Estate Investment Trusts (REIT), that are buying up rental apartment homes, and pay no tax to the federal government.<o:p></o:p></p>
</div>
<div>
<p class="MsoNormal"><o:p> </o:p></p>
</div>
<div>
<p class="MsoNormal">I wonder if the role of REITs in Canada is akin to what happened in the U.S.A.? Our friend David Gracey recommended a book to me on the tragedy unfolding there. The book is called: <o:p></o:p></p>
</div>
<h1 style="mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:10.8pt;margin-left:0cm;line-height:16.8pt;box-sizing: border-box;text-rendering: optimizelegibility">
<span style="font-size:10.5pt;font-family:"Segoe UI",sans-serif;color:#0A0A0A">Homewreckers : how a gang of Wall Street kingpins, hedge fund magnates, crooked banks, and vulture capitalists suckered millions out of their homes and demolished the American dream</span><span style="font-family:"Segoe UI",sans-serif;color:#0A0A0A"><o:p></o:p></span></h1>
<div>
<p class="MsoNormal">A summary of the content, from the Toronto Public Library website, is;<o:p></o:p></p>
</div>
<div>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;background:white;box-sizing: border-box;margin:1rem;text-rendering: optimizelegibility;orphans: 3;widows: 3">
<span style="font-size:12.0pt;font-family:"Segoe UI",sans-serif;color:#0A0A0A">Two years before the housing market collapsed in 2008, Donald Trump looked forward to a crash: "I sort of hope that happens because then people like me would go in and buy," he said.
But our future president wasn't alone. While millions of Americans suffered financial loss, tycoons pounced to heartlessly seize thousands of homes--their profiteering made even easier because, as prize-winning investigative reporter Aaron Glantz reveals in
Homewreckers, they often used taxpayer money--and the Obama administration's promise to cover their losses.<o:p></o:p></span></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;background:white;box-sizing: border-box;margin:1rem;text-rendering: optimizelegibility;orphans: 3;widows: 3">
<span style="font-size:12.0pt;font-family:"Segoe UI",sans-serif;color:#0A0A0A">In Homewreckers, Glantz recounts the transformation of straightforward lending into a morass of slivered and combined mortgage "products" that could be bought and sold, accompanied
by a shift in priorities and a loosening of regulations and laws that made it good business to lend money to those who wouldn't be able to repay. Among the men who laughed their way to the bank: Trump cabinet members Steve Mnuchin and Wilbur Ross, Trump pal
and confidant Tom Barrack, and billionaire Republican cash cow Steve Schwarzman. Homewreckers also brilliantly weaves together the stories of those most ravaged by the housing crisis. The result is an eye-opening expose of the greed that decimated millions
and enriched a gluttonous few.<o:p></o:p></span></p>
<div>
<p class="MsoNormal"><o:p> </o:p></p>
</div>
<div>
<p class="MsoNormal">Stay hopeful;<o:p></o:p></p>
</div>
<div>
<p class="MsoNormal">Allan<o:p></o:p></p>
</div>
<div>
<p class="MsoNormal"><o:p> </o:p></p>
</div>
<div>
<blockquote style="margin-top:5.0pt;margin-bottom:5.0pt">
<div>
<p class="MsoNormal">On Mar 6, 2021, at 10:34 AM, David Walsh via craic <<a href="mailto:craic@lists.integralshift.ca">craic@lists.integralshift.ca</a>> wrote:<o:p></o:p></p>
</div>
<p class="MsoNormal"><o:p> </o:p></p>
<div>
<div>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Century Schoolbook",serif">This article in today’s Star gives a good overview of the rental housing business.</span><o:p></o:p></p>
</div>
<div>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Century Schoolbook",serif">I have attached a copy of the full article.</span><o:p></o:p></p>
</div>
<div>
<p class="MsoNormal" style="background:#F8F8F8"> <o:p></o:p></p>
</div>
<h1 style="margin:0cm;margin-bottom:.0001pt;background:#F8F8F8;font-size:3rem;box-sizing: border-box;text-rendering: optimizelegibility;text-shadow:1px 1px 0px;background-position:initial initial;background-repeat:initial initial">
<span style="font-size:14.0pt;font-family:"Georgia",serif">The big business behind the affordable rental housing crunch</span><o:p></o:p></h1>
<div>
<p class="MsoNormal" style="background:#F8F8F8"><span class="c-author-badgeinitials"><span style="font-family:"Helvetica",sans-serif;color:white">CD</span></span><o:p></o:p></p>
</div>
<div>
<p class="MsoNormal" style="background:#F8F8F8"><span class="articleauthor-by"><span style="font-size:10.5pt;font-family:"Helvetica",sans-serif;color:#333333;letter-spacing:.3pt">By </span></span><span class="articleauthor-name"><b><span style="font-size:10.5pt;font-family:"Helvetica",sans-serif;color:#0072BC;letter-spacing:.3pt"><a href="https://www.thestar.com/authors.dobby_christine.html"><span style="color:#0072BC;text-decoration:none">Christine
Dobby</span></a></span></b></span><span class="articleauthor-credit"><span style="font-size:10.5pt;font-family:"Helvetica",sans-serif;color:#333333;letter-spacing:.3pt">Business Reporter</span></span><o:p></o:p></p>
</div>
<div>
<p class="MsoNormal" style="background:#F8F8F8"><span class="articlepublished-date"><span style="font-size:10.5pt;font-family:"Helvetica",sans-serif;color:#333333;letter-spacing:.3pt">Sat., March 6, 2021</span></span><span class="articlereadtime"><span style="font-size:10.5pt;font-family:"Times New Roman",serif;color:#333333">timer</span></span><span class="articlereadtime"><span style="font-size:10.5pt;font-family:"Helvetica",sans-serif;color:#333333;letter-spacing:.3pt">12 min.
read</span></span><o:p></o:p></p>
</div>
<div>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Century Schoolbook",serif"><a href="https://www.thestar.com/business/2021/03/06/the-big-business-behind-the-affordable-rental-housing-crunch.html"><span style="color:#954F72">https://www.thestar.com/business/2021/03/06/the-big-business-behind-the-affordable-rental-housing-crunch.html</span></a></span><o:p></o:p></p>
</div>
<div>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Century Schoolbook",serif"> </span><o:p></o:p></p>
</div>
<div>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Century Schoolbook",serif">David</span><o:p></o:p></p>
</div>
<div>
<p class="MsoNormal"> <o:p></o:p></p>
</div>
<p class="MsoNormal"><The big business behind the affordable rental housing crunch.docx><span style="font-size:10.5pt;font-family:"Helvetica",sans-serif">_______________________________________________<br>
craic mailing list<br>
</span><a href="mailto:craic@lists.integralshift.ca"><span style="font-size:10.5pt;font-family:"Helvetica",sans-serif;color:#954F72">craic@lists.integralshift.ca</span></a><span style="font-size:10.5pt;font-family:"Helvetica",sans-serif"><br>
</span><a href="http://lists.integralshift.ca/listinfo.cgi/craic-integralshift.ca"><span style="font-size:10.5pt;font-family:"Helvetica",sans-serif;color:#954F72">http://lists.integralshift.ca/listinfo.cgi/craic-integralshift.ca</span></a><o:p></o:p></p>
</div>
</blockquote>
</div>
<p class="MsoNormal"><o:p> </o:p></p>
</div>
</div>
</body>
</html>