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1 Co-Op Mortgage Loans | Learn More and Apply Online
https://www.totalmortgage.com/mortgage-loans/co-op-home-loans
A co-op mortgage is actually a “share loan,” or a loan that lets you purchase a share in the co-op. This difference makes securing a loan for a co-op a little ...
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2 What Is A Co-Op? | Bankrate
https://www.bankrate.com/real-estate/what-is-a-co-op/
You can pursue financing to purchase co-op shares using a mortgage lender or bank, and the process is somewhat similar to financing a condo. A ...
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3 What Is a Co-Op? Everything You Need to Know
https://www.quickenloans.com/learn/what-is-a-co-op
Co-ops are often confused with voluntary housing cooperatives, where owners live and work together to reduce fees and foster a sense of ...
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4 Financing for Co-Ops - Co-Op Mortgage Loans
https://www.northstarfunding.com/products/financing-for-co-ops-co-op-mortgage-loans/
› Products
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5 Cooperative Mortgage Loans - MortgageDepot
https://mortgagedepot.com/cooperative-mortgage-loans/
Cooperative Mortgage Loans. Cooperatives are a form of real estate ownership in which a building is owned by a corporation. The individual units, whether ...
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6 Housing Cooperatives: A Unique Type of Home Ownership
https://www.investopedia.com/articles/pf/08/housingco-op.asp
Housing cooperatives are often less expensive than apartments, ... The cost of the property's mortgage may also be included in the monthly fee: Even if an ...
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7 Co-Op Mortgage Lenders - Cooperative Share Loans
https://nonprimelenders.com/coop-mortgage-loans/
› coop-mortgage-loans
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8 Housing Cooperatives: What to Know About Co-Ops Before ...
https://www.fool.com/the-ascent/mortgages/housing-cooperatives/
What is a housing cooperative? How does a housing co-op work? Types of co-ops; Getting a mortgage loan for a co ...
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9 Explore our Mortgage Cooperative
https://www.computershareloanservices.com/us/business/cooperative
​. Our mortgage cooperative helps Patron members across the country compete, succeed, and grow in the highly competitive mortgage banking industry. There is ...
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10 Underlying Permanent Mortgages A Vital Concept, Explained
https://cooperatornews.com/article/underlying-permanent-mortgages
Virtually all of these properties were encumbered with existing commercial mortgage financing. Conversion to cooperative ownership, rather than condominiums, ...
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11 How Housing Cooperatives Work - Home and Garden
https://home.howstuffworks.com/real-estate/buying-home/housing-cooperatives.htm
Housing cooperatives don't work like most real estate properties. ... In a condo, if you don't meet your mortgage or tax obligations, liens are placed on ...
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12 What Is a Co-op? | Guide to Buying a Co-op - NerdWallet
https://www.nerdwallet.com/article/mortgages/what-is-a-co-op
It can be hard to get a mortgage for a co-op since you don't actually ... Instead, you'll need a loan to purchase shares in the cooperative, ...
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13 The Knowledge Coop - Mortgage Compliance and Continuing ...
https://www.knowledgecoop.com/
Coop Academy is a comprehensive library of mortgage trainings that cover everything from specific loan products to fundamentals like recruiting talent and ...
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14 For Cooperatives - USDA Rural Development
https://www.rd.usda.gov/programs-services/cooperatives
Value Added Producer Grants · Business and Industry Guaranteed Loan Program · Socially-Disadvantaged Groups Grant · Multi-Family Housing Direct Loans · Farm Labor ...
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15 Financing Options for Condos & Co-Ops - Contour Mortgage
https://www.contourmortgage.com/products/condos-co-ops
Learn more about how Contour Mortgage can help navigate the differences between condos and co-ops—and how to finance both.
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16 The Mortgage Collaborative - The Mortgage Collaborative Home
https://www.mortgagecollaborative.com/
Our growing member network is comprised of independent mortgage banking companies, banks, credit unions and mortgage service providers all working together ...
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17 NCB offers competitive mortgage loans for a home purchase ...
https://www.ncb.coop/personal-banking/lending/mortgage-loans
National Cooperative Bank provides competitive mortgage loans to refinance or purchase a cooperative unit, TIC, condominium or single family home.
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18 HDFC Cooperatives - HPD - NYC.gov
https://www.nyc.gov/site/hpd/services-and-information/hdfc.page
HDFC coop in Brooklyn. During the 1970s and 1980s, the City of New York acquired many residential buildings that were abandoned by ...
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19 Borrow - Shared Capital Cooperative
https://sharedcapital.coop/borrow/
Housing Loans. Real estate purchase / mortgage; Refinance a mortgage; Rehab, repairs and improvements. To apply for a loan, or inquire about loans ...
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20 B4-2.3-02, Co-op Project Eligibility (09/04/2018)
https://selling-guide.fanniemae.com/Selling-Guide/Origination-thru-Closing/Subpart-B4-Underwriting-Property/Chapter-B4-2-Project-Standards/Section-B4-2-3-PUD-and-Co-op-Eligibility-Requirements/1032993691/B4-2-3-02-Co-op-Project-Eligibility-09-04-2018.htm
The Request for Cooperative Project Information (Form 1074) includes the project information that lenders, investors, and mortgage insurers ...
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21 Apply for a Mortgage | The Co-operative Bank
https://www.co-operativebank.co.uk/products/mortgages/
Find a mortgage with the Co-operative Bank. Whether you are moving home, borrowing more or looking for a better deal, we can help. Find how to apply here.
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22 Different "Mortgage" Rules Apply for NYC Co-ops
https://www.mortgageloan.com/different-mortgage-rules-apply-nyc-co-ops-7873
Buying a co-op in New York City is a bit different from buying a condo or house - partly because you're not really taking out a mortgage to buy one.
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23 MUTUAL MORTGAGE AND COOPERATIVE ... - HUD
https://www.hud.gov/sites/documents/COMBINEDFHAFUND.PDF
Activity for the Cooperative Management Housing Insurance (CMHI) Fund – which insures mortgages for multifamily cooperatives – is reported together with MMI.
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24 Personal, Mortgage & Home Loans
https://www.thecooperativebankofcapecod.com/personal/personal-home-loans/
At The Cooperative Bank of Cape Cod, we offer a variety of Personal, Mortgage & Home Loans to help you achieve your financial goals & dreams.
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25 Members Mortgage Services - Home
https://www.mms.coop/
Members Mortgage Services connects Credit Unions and their members with competitive mortgage loan products. MMS is owned by a cooperative group of Credit ...
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26 Mortgages - Cooperative Federal Credit Union
http://www.cooperativefederal.org/en/loans/home
Cooperative Federal has been Syracuse's local mortgage lender since 1986, offering mortgages for purchase, refinance, construction and home improvement for ...
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27 Residential Real Estate | Brooklyn COOP
https://www.brooklyn.coop/borrow-from-us/residential-real-estate/
Come in to speak with a Loan Officer regarding pre-approval, approval, or the credit union's mortgage rates, email us at loans[at]brooklyn.coop, ...
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28 What is a Coop vs Condo - Citi.com
https://www.citi.com/mortgage/condo-coop
Buying a condo or co-op is different than a house, especially when it comes to qualifying for a mortgage. Understand the differences between a co-op and ...
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29 Great rates and service with a Greenfield Co-op mortgage.
https://greenfieldcoopbank.com/for-you/mortgages/
When it's time to buy a home, look to your neighbors for a mortgage loan that's ... Greenfield Cooperative Bank; Northampton Cooperative Bank, A Division of ...
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30 Coop Loans - Alpine Mortgage
https://www.alpinebanker.com/coop-loans/
We provide low mortgage rates and personal service on coop mortgage loans in New Jersey & New York. NJ & NY Mortgage Lender.
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31 Reverse Mortgages Becoming More Prevalent in Co-ops and ...
https://www.habitatmag.com/Publication-Content/Board-Operations/2009/2009-June/Reverse-Mortgages-More-Prevalent
So what's a reverse mortgage? A loan that lets elder homeowners borrow against the value of a home without making monthly mortgage payments. Instead, the ...
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32 Mortgages - Walpole Co-operative Bank
https://www.walpolecoop.com/Mortgages.aspx
Mortgages. Homeownership is an exciting journey and no matter which path you take - borrowing, purchasing, building, or refinancing, we will be there to ...
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33 Mortgage Loans | Wrentham Cooperative Bank
https://www.wrenthamcoop.com/Mortgage-Loans
Picking out a mortgage loan that is a perfect fit for you and your family is important- that's why at Wrentham Cooperative Bank we offer a number of ...
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34 Mortgage Specials - Wakefield Co-operative Bank
https://www.wakefieldcoop.com/MORTGAGESPECIALS
Mortgage Specials · Minimum loan amount is $647,201; maximum loan amount is $1,244,850 and dependent upon loan to value. · HOME EQUITY LINE OF CREDIT · 12 MONTH ...
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35 Co-Op Loans - California Mortgage Advisors
https://www.calmtg.com/types-of-loans/co-op-loans/
What is a Co-Op Loan? bridge A housing cooperative, better known as a co-op, is a situation in which a single corporate entity owns an apartment building or ...
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36 24 CFR Part 213 -- Cooperative Housing Mortgage Insurance
https://www.ecfr.gov/current/title-24/subtitle-B/chapter-II/subchapter-B/part-213
In connection with the foregoing provisions the terms mortgagor, mortgagee, mortgage shall be construed to mean borrower, lender, and supplementary loan, ...
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37 Reverse Mortgages Now Available in Co-ops - CNYC
https://www.cnyc.com/code/newsletters/2002autumn/aut02_005reversable.html
Pleased that seniors in its condominium members had this resource, CNYC has long worked to bring reverse mortgage opportunities to homeowners in cooperatives.
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38 Hugh Jeffers - Centennial Mortgage
https://centennialmortgage.com/team/hugh-jeffers/
His expertise is in cooperative housing and he serves on the board of the National Association of Housing Cooperatives. Prior to Centennial, he worked for ...
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39 Why Would a Co-op Have a Mortgage? - Home Guides
https://homeguides.sfgate.com/would-coop-mortgage-64868.html
Condominium communities and cooperative housing projects are a popular form ... While condo owners typically obtain mortgage loans and take title in their ...
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40 New York State issues notice to reverse mortgage lenders ...
https://reversemortgagedaily.com/articles/new-york-state-issues-notice-to-reverse-mortgage-lenders-seeking-co-op-business/
The N.Y. Department of Financial Services has issued an industry letter to reverse mortgage lenders seeking to originate on co-operative ...
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41 Coop Mortgage Broker New York, NY • Block Financial ...
https://www.blocklending.com/coop-mortgages.html
When living in a coop, the unitholder helps pay for the maintenance, and mortgage for the whole building. The shareholder is also paying their portion of the ...
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42 SONYMA Programs - Homes and Community Renewal
https://hcr.ny.gov/sonyma-programs
SONYMA Mortgage Programs. State of New York Mortgage Agency (SONYMA) for Homebuyers ... Available for 1-4 family homes, cooperatives and condominiums ...
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43 Housing Cooperative Overview
https://resources.uwcc.wisc.edu/housing/Housing-Cooperative-Overview.pdf
involved in buying into Housing Cooperatives. ... maintaining the cooperative, which can include blanket mortgage payments, property taxes, management fees,.
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44 Mortgage Calculator - Salem Co-operative Bank
https://www.salemcoop.com/calculators/mortgage-calculator/
Mortgage Calculator. The calculator is intended to provide approximate information about your loan payments and does not constitute an offer to extend ...
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45 Lenders One
https://www.lendersone.com/
A national alliance of independent mortgage bankers that helps you grow today — and takes your business to the next level tomorrow.
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46 Cooperative Mortgage Loan Definition | Law Insider
https://www.lawinsider.com/dictionary/cooperative-mortgage-loan
Define Cooperative Mortgage Loan. A Mortgage Loan that is secured by a second lien on and a perfected security interest in Cooperative Shares and the ...
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47 Welcome to Capital Markets Cooperative, a nationwide ...
http://www.capmkts.org/
Capital Markets Cooperative offers mortgage bankers risk management services, servicing acquisition, a cooperative network of Preferred Partners and MSR ...
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48 The Cooperative Bank: Boston's Neighborhood Bank
https://www.thecooperativebank.com/
Our Products and Services · Personal Checking Accounts · Mortgages and Home Loans · Business Checking Accounts · Credit Cards · Financial Planning · Small Business ...
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49 Mortgage Loans | Pittsfield Cooperative Bank
https://www.pittsfieldcoop.com/Mortgage-Loans
We'll give you personal attention, will understand your situation and will work together with you to find the right loan for your needs. Mortgages. Home Equity ...
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50 Rural Cooperative Credit Union
https://www.rccu.com/
Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed. **APY = Annual Percentage Yield.
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51 Methuen Co-operative Bank - Checking, Savings, Lending ...
http://www.methuencoop.com/
Methuen Co-operative Bank offers both fixed and adjustable rate mortgage programs to meet your financing or refinancing needs.
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52 Mortgages - Carolina Cooperative FCU
https://www.carolinacoopcu.com/mortgages
Mortgages. Today's Mortgage Rates. This table includes the most common loan programs along with today's “par” (i.e. no ...
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53 Mortgage Loans - Puget Sound Cooperative Credit Union
https://www.psccu.org/Borrow/Mortgage-Loans.aspx
Puget Sound Cooperative Credit Union offers great rates on our products ... Cheryl Leidle (NMLS 9029) is your Mortgage Loan Specialist and ready to help.
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54 Co-ops no longer left out of reverse mortgage game
https://www.riverdalepress.com/stories/co-ops-no-longer-left-out-of-reverse-mortgage-game,77113
Reverse mortgages — the loans which allow senior citizens to turn established home equity into actual cash — have been available to just about ...
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55 1st Time Buyer Programs for Co-ops - CrossCountry Mortgage
https://crosscountrymortgage.com/Pat-Lavell/1st-Time-Buyer-Programs-for-Co-ops/
FHA and VA do not currently finance co-ops, but conventional loan products through Fannie Mae and Freddie Mac have some great 1st time buyer options.
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56 Housing Co-ops
https://www.cccd.coop/co-op-info/co-op-types/housing-co-ops
Housing cooperatives are democratically controlled corporations ... Typically, the cooperative is financed through a blanket mortgage that covers the entire ...
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57 Mortgage Loans - Members Cooperative Credit Union
https://www.membersccu.org/mortgage-service
We offer competitive mortgage rates for all of our mortgage loans. Refinance or get a new mortgage with us today.
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58 Owning a Co-op - HSBC Bank USA
https://www.us.hsbc.com/content/dam/hsbc/us/docs/pdf/Coop%20Guide.pdf
Cooperative living can be a wonderful experience – a comfortable apartment ... When you get a mortgage to buy a house or a condominium, the property is ...
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59 Mortgage & Home Equity - Mechanics Cooperative Bank
https://mechanics-coop.com/lending/mortgage-home-equity/
A mortgage or home equity loan through Mechanics Cooperative Bank is simple! You can either apply online via application links below or call our Loan ...
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60 Best FHA Mortgage Lenders in NY for Condo and Co-Ops
https://mfmbankers.com/loan-products/condo-co-op/
Looking for best FHA loan lenders in NY? We're here. Discover the benefits of FHA Loans when shopping for a mortgage. Speak with our FHA Loan specialist ...
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61 Mortgage Products - Western Cooperative Credit Union
https://www.wccu.org/Loans/Mortgage-Products.aspx
Conventional Loan. Member must contribute 5% of the purchase price in the form of closing costs, prepaids and down payment. Member can avoid mortgage insurance ...
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62 Co-op Mortgages - Luminus Financial
https://www.luminusfinancial.com/Personal/ProductsAndServices/Borrowing/Mortgages/CoopMortgages/
Co-op Mortgages ... Rising costs in the housing market is causing home buyers to seek alternate forms of home ownership. Co-operatives allow buyers to purchase ...
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63 What is a co-op? | Better Mortgage
https://better.com/faq/mortgage-basics/what-is-a-co-op
A cooperative (also known as a co-op) is a multi-unit development where owners technically don't "own" their units outright. Instead, owners are allotted ...
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64 What You Need To Know About The Recent Changes Made In ...
https://www.pnlawyers.com/recent-changes-for-co-op-boards-in-nyc/
Assembly Bill 1508 specifically allowed reverse cooperative apartment unit loans or reverse mortgages available to borrowers (62) sixty- two ...
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65 Co-op Mortgage Specialists | Apply Online | GuardHill Financial
https://guardhill.com/product/co-op-loans/
A co-op (also referred to as a housing cooperative) is a type of residential housing in which a cooperative group or corporation owns the real estate building(s) ...
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66 Cooperative Teachers Credit Union | Tyler, Texas
https://coopteachers.com/
CTCU of Tyler Texas offers the best loan rates, checking and savings accounts, and financial education to help you achieve financial stability!
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67 Mortgage Loans - North Cambridge Co-Operative Bank
https://www.asknccb.com/loans/mortgage_loans/
Subject to credit approval. Ask a Mortgage Loan Officer for details as they apply to you. Available on conforming owner-occupied loan amounts for a single ...
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68 resident-owned communities
https://communityloanfund.org/focus/roc-nh/
A cooperative puts you, its members, in charge ... The type of infill loan your ROC chooses should be determined by where it is in its infill process and ...
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69 Reverse Mortgages Soon Legal For Co-Ops in New York
https://www.armstrongteasdale.com/thought-leadership/reverse-mortgages-soon-legal-for-co-ops-in-new-york/
The law provides that a reverse mortgage on a cooperative apartment is ... (FHA) still does not permit reverse mortgages for cooperatives.
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70 Mortgage Insurance for Rental and Cooperative Housing
https://www.novoco.com/sites/default/files/atoms/files/hud_221d4_mortgage_insurance_rental_cooperative_housing_030916.pdf
Section 221(d)(4) insures mortgage loans to facilitate the new construction or substantial rehabilitation of multifamily rental or cooperative housing for ...
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71 Investment Co-ops - Quintessential Mortgage Group
https://qmgllc.com/investment-co-ops/
However, co-ops are not the easiest properties to finance, especially those that carry the label investment property. Therefore, you need a mortgage company ...
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72 DETERMINING CONDO OR COOP ELIGIBILITY FOR ...
https://www.caionline.org/HomeownerLeaders/DisasterResources/Documents/Final%20CAI%20Guide%20and%20FAQ%20for%20Navigating%20Fannie%20Mae%20and%20Freddie%20Mac%20Requirements%20Final%20February%202022.pdf
Lenders rely on Fannie Mae and Freddie Mac to purchase or guarantee their mortgages because it gives more liquidity for lenders, which then ...
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73 Mortgage & Loans | Reading Cooperative Bank
https://readingcoop.com/borrow/mortgage/
Fixed Rate Mortgages. A fixed-rate mortgage means your monthly principal and interest payments will stay the same for the life of your loan. A longer- ...
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74 The New Dynamic of Reverse Mortgages & Co-Ops
https://www.propertyshark.com/Real-Estate-Reports/2022/03/09/recent-changes-to-co-ops-and-reverse-mortgages-in-new-york-state/
Specifically, Assembly Bill 1508 allows reverse cooperative apartment unit loans (or reverse mortgages) available to borrowers who are 62 ...
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75 Mortgage Rates | Stoughton Co-Operative Bank
https://www.stoughtoncoop.bank/resources/rates-calculators/mortgage-rate/
Fixed Rate Mortgages1. Program, Term, Interest Rate, Points, APR, Monthly Payments per $1,000 borrowed. 30 ...
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76 Cooperative Center FCU | Personal & Business Finance
https://www.coopfcu.org/
Cooperative Center Federal Credit Union is committed to delivering ... Get the rate and loan you need to plan family dinners and holiday celebrations.
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77 Limited equity cooperatives - Local Housing Solutions
https://localhousingsolutions.org/housing-policy-library/limited-equity-cooperatives/
For example, some early LECs used low-interest 30- or 40-year mortgages from HUD; once the mortgage was paid off, members of the LEC could vote to convert ...
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78 Senator Biaggi, Assemblyman Dinowitz, And Co-Op ...
https://www.nysenate.gov/newsroom/press-releases/alessandra-biaggi/senator-biaggi-assemblyman-dinowitz-and-co-op-advocates
... which was strongly supported by advocates for cooperative housing in New ... to obtain reverse mortgages on cooperative apartment loans.
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79 Members Cooperative Credit Union - Home
https://mccu.mymortgage-online.com/
Find a broad range of home mortgage loans, home equity loans, lines of credit and other great borrowing options to help build your dream.
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80 Mortgages - Soo Co-Op CU
https://www.soocoop.com/mortgages
please send us a message through our Contact Us form or call 866-632-6819. ×. Soo Coop CUSoo Coop CUFREE - In Google Play. VIEW.
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81 COOP VS. CONDO | Levin Law Group
https://ylevinlaw.com/wp-content/uploads/2019/01/Closing-Tips-_-COOP-vs.-CONDO-Comparison.pdf
Note: for mortgages under $10,000, please subtract 0.30% from the tax rate. In addition to the mortgage tax, a purchaser of a Condo must obtain title insurance ...
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82 Mortgage provider Lenders One Coop opens in-store ...
https://www.marketwatch.com/story/mortgage-provider-lenders-one-coop-opens-in-store-locations-at-walmart-01665573057
The Lenders One Cooperative of more than 250 mortgage bankers said it's opening its first three in-store locations at Walmart Inc. stores in ...
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83 Buying a Co-op in NYC: Everything You Need to Know
https://yoreevo.com/blog/co-op-nyc
Co-ops, on the other hand, are "personal property" because you're buying shares, ... This allows co-op buyers to avoid the mortgage recording tax which only ...
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84 Mortgage Financing Cooperative Apartments in Florida
https://premiertitle.net/mortgage-financing-cooperative-apartments-in-florida/
Mortgage financing of cooperative apartments (also called “coop” or “co-op” apartments) in Florida has its own peculiar challenges (and ...
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85 Missouri Electric Cooperatives Employees' Credit Union: Home
https://apps.membersmortgageservices.com/default.asp?siteId=DEC39667-292E-403C-9390-C7CE74059E2E
Home Loan Basics. Knowledge is power. Knowing your choices gives you the power to make good decisions. Throughout the Mortgage Center you'll find valuable ...
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86 What Is a Co-op? A Home You Don't Technically Own
https://www.realtor.com/advice/buy/what-is-a-co-op/
Short for "cooperative housing" a co-op is an investment property ... If you need to take out a mortgage to purchase housing in a co-op, ...
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87 Colliers Mortgage Provides $18.7 Million Construction Loan ...
https://www.multifamilybiz.com/pressreleases/15257/colliers_mortgage_provides_187_million_constructio...
Village Cooperative of Chatfield will bring a new home ownership option to active adults (62+) in Littleton, a perennial “10 Best Places to Live ...
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88 Need a mortgage to buy a NYC co-op? Here's what to consider
https://www.brickunderground.com/buy/banks-should-know-nyc-co-op-rules
Tips for getting a mortgage on a NYC co-op, and how to make sure your mortgage lender understands co-ops too.
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89 Mortgage Rider - New Hampshire Housing
https://www.nhhfa.org/wp-content/uploads/2021/05/ROC-Mortgage-Rider.pdf
MORTGAGE RIDER. NEW HAMPSHIRE MANUFACTURED HOUSING. LOCATED IN A RESIDENT-OWNED COOPERATIVE. THIS MORTGAGE RIDER is made on this ____ day of ...
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90 Should Your Co-Ops Management Company Be ... - LinkedIn
https://www.linkedin.com/pulse/should-your-co-ops-management-company-mortgage-broker-steven-geller
When you buy a condo unit, you're buying the walls, windows and bricks outside your unit. Real estate mortgages are made using the land and ...
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91 Full Service Home Mortgage Company - 7.coop
https://www.7.coop/mortgage/
WE MAKE MORTGAGES EASY. Our team of experienced mortgage professionals is passionate about finding the right mortgage solution to meet your needs.
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92 What Is A Recognition Agreement In A Cooperative Sale?
https://ebmg.com/2015/07/what-is-a-recognition-agreement-in-a-cooperative-sale/
At your cooperative closing, if you are obtaining a mortgage to finance the purchase, you'll notice that the managing agent hands over at ...
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93 WHY WON`T BANKS GIVE A MORTGAGE ON CO-OPS?
https://www.chicagotribune.com/news/ct-xpm-1985-10-05-8503070990-story.html
Q I am the owner of a cooperative apartment, and I would like to know why most banks do not give mortgages on co-ops.
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94 Lenders One Cooperative to sell mortgages at Walmart
https://www.mpamag.com/us/news/general/lenders-one-cooperative-to-sell-mortgages-at-walmart/397804
Lenders One Cooperative, a retail lending subsidiary of Altisource, has announced that it is leasing space with Walmart to offer mortgage ...
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95 Mortgage Insurance Cooperative Projects - Federal Grants Wire
https://www.federalgrantswire.com/mortgage-insurancecooperative-projects.html
Mortgage Insurance Cooperative Projects. Enables nonprofit cooperative ownership housing corporations or trusts to develop or sponsor the development of ...
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