Home Listing on Nature Preserve

This Gorgeous Home Listing on Nature Preserve at Heritage Lake has a New Price of $284,900.00!

New Home Listing on a Nature Preserve at Heritage Lake has access to a 320 acre Private Lake and all its Amenities.

Imagine coming home to this beautiful new home listing on a Nature Preserve and nestled among the trees! Sit down and relax on the deck, surrounded by wildlife and nature with a creek running through! You won’t ever want to leave! But wait, there’s more. You can easily reach the marina within minutes where your boat is waiting in a leased boat slip for the season. Hop on your boat and enjoy water sports, peaceful sunset cruises, or some of the best fishing in Central Indiana!

Heritage Lake Home for Sale

Heritage Lake home listing located on nature preserve.


This home is a gorgeous inside and outside! It has been recently updated throughout and is absolutely stunning! This is a unique, private setting at Heritage Lake backed up by common property in the form of a Nature Preserve with a stream meandering through. You’re sure to love the attractive interior features including the spacious , open, floor plan that combines the entire main living space!  The interior boasts a gorgeous, updated kitchen, soaring great room ceilings, remodeled half bath & laundry room with hardwoods, and a superb master suite with jacuzzi tub with his & her shower, custom cabinets,  fixtures, & tile!

Home on Nature preserve kitchen

Heritage Lake home remodeled kitchen

Yes, the interior is gorgeous but wait until you go outside! You won’t ever want to leave the large deck that views out to the nature preserve! View nature and ample wildlife from this lovely vantage point. Nothing but peace, quiet and beauty surrounds you! Of course, included is full use of Heritage Lake, a 320 acre private lake, and all the amenities with ownership of this home. You’ll love boating, tubing, swimming, and fishing! The marina is about 4 miles from the

Home at Heritage Lake IN

Heritage Lake home has deck on Nature Preserve

home.  You will also enjoy the large clubhouse with swimming pool, park and swimming beach. There are actually 3 swimming beaches with parks at the lake and multiple waterfront common areas for lake enjoyment. Contact Brouhard Realtors, your Heritage Lake experts since 1987, for a tour of this lovely home.


Posted in Heritage Lake Homes for Sale, Heritage Lake Real Estate | Tagged , , , , , , , , , , , , , , , , | Leave a comment

New Price on Indiana Lake House for Sale

New Price on Indiana Lake Houses for sale at Heritage Lake!

New Price on Indiana Lake Houses for sale at 69 Jefferson Valley !

This Indiana lake house is now listed for sale at $469,900! The eagle eye views are amazing from your private, lakeside pool!  

Pool is Heritage Lake vantage point

Heritage Lake Indiana lake houses

Make endless memories from this unbelievable vantage point of Heritage Lake Indiana! Enjoy the in-ground pool and then jump off your dock for some variety. Heritage Lake has excellent Indiana fishing and the lake a wonderful Indiana water skiing lake, too.

You’ll love the ?beautiful home nestled in the mature trees! There is 2763 sq. ft. of space and includes 3 bedrooms and 2 1/2 baths. You’ll love the 14’x13′ sunroom and the master suite private balcony that enjoys a breathtaking view! The eat in kitchen

Heritage Lake House for Sale

Indiana lake houses at Heritage Lake nestled in the trees.

allows for a great space to entertain and there is also a formal dining room! The loft offers a nice area for sleeping bags when everyone spends the night at the lake house or it may be a nice office or 2nd living area. But wait, we haven’t even talked about the shoreline of this lakeside home which includes a permanently covered boat lift and dock on the main body of Heritage Lake.

Call Brouhard Realtors, your Heritage Lake Experts since 1987 for a private viewing of this gorgeous Indiana lakehouse or for showings of any properties in west central Indiana.

Posted in Indiana Lake Houses for Sale | Tagged , , , , , , , , , , , , , , , | Leave a comment

US Home Sales Statistics

US Home Sales statistics shows 5 1/2 Year High!

What do these US Home Sales Statistics mean for Heritage Lake and West Central Indiana Real Estate Markets?

According to CNBC and Reuters, U.S. home resales surged to a 5-1/2-year high in May of 2015.  The National Association of Realtors announced on Monday that existing home sales increased 5.1 percent to an annual rate of 5.35 million units, the highest level since November 2009, that’s nearly 6 years!

Infographic from NAR showing existing home sales in May 2015

US Existing Home Sales Infographic

Sales have now increased year-over-year for eight consecutive months and are 9.2 percent above a year ago (4.90 million). Lawrence Yun, NAR chief economist, said “Solid sales gains were seen throughout the country in May as more homeowners listed their home for sale and therefore provided greater choices for buyers,” he said. “However, overall supply still remains tight, homes are selling fast and price growth in many markets continues to teeter at or near double-digit appreciation. Without solid gains in new home construction, prices will likely stay elevated — even with higher mortgage rates above 4 percent.”

What does this mean for all of us here in West Central Indiana and my friends and neighbors at Heritage Lake?  According to NAR, in the Midwest, existing-home sales rose 4.1 percent to an annual rate of 1.27 million in May, and are 12.4 percent above May 2014. The median price in the Midwest was $181,900, up 9.4 percent from a year ago. Also, while the average commitment rate for a 30-year, conventional, fixed rate mortgage went up in May to 3.84% from 3.67% in April according to Freddie Mac, it still remained below 4.00 percent for the sixth straight month. People are buying now before the interest rates increase.

Lakehouse Sales at Heritage Lake IN

Chart showing waterfront home sales at Heritage Lake ytd June 2015

If you are considering the sale of your Heritage Lake home or property in West Central Indiana, this might be a great time for you to list. First, you need to call Darrel or Teresa Brouhard at RE/MAX Centerstone Brouhard Realtors to arrange for a visit your property and so they can complete a CMA, or Comparative Market Analysis. This is a free, no-obligation service they offer as a part of their business. After a quick visit to your home, they return in a few days with a spreadsheet showing homes comparable to yours that have sold in the past year. They will walk you through the report, showing you the specifics of how your home compares and a financial breakdown that leads to an average range for a list price. The Brouhards have been doing this locally for over 28 years and they know the comparable properties well, having sold the majority of homes at Heritage Lake and in Putnam County for several years running. They will show you the active homes that are on the market and that will compete with your potential listing in an effort to price your home optimally. Don’t worry if you’re not ready to sale at present, the CMA booklet they leave with you will be a good resource as you plan to list at some point in the future. The Brouhards also offer practical tips and specific suggestions for optimizing your listings’ presentation on the market.

Whether you own an Indiana waterfront home, rural home with acreage, or small home in the town of Danville, the Brouhards are your top selling Re/Max Centerstone Indiana team in May and have sold over $7 million in real estate year to date in 2015. Contact Darrel or Teresa today.

Posted in Heritage Lake Real Estate, West Central Indiana Real Estate | Tagged , , , , , , , , , , , , , , , , , , , , , , | Leave a comment

Price Reduced Luxury Home for Sale

Check out this Luxury Home for Sale Located Just West of Danville!

Enjoy the Equestrian/Country Lifestyle Without all the Work at this Luxury Home for Sale in West Central Indiana.

Enjoy the country/equestrian lifestyle without the work at Serenity Farms! This striking custom home sits on 1.73 fenced acres. Being both energy efficient & beautiful, this brick & stone home has character & attention to detail! 6″ walls with blown insulation, brand new slate appliances with transferable warranties, and dual HVAC system bring comfort and peace of mind.

Luxury rural home listing located outside of Coatesville IN

Luxury Home for sale west of Danville, IN

You’ll love the detailed, custom masonry work, cathedral ceilings, custom windows, 2 fireplaces & lovely views! All three bedrooms are suites with bath & walk in closets. The large loft serves as a family room or rec. room suitable for billiards or whatever you enjoy most! The area is open to below with hardwood floors & room to play! This is truly a unique property! Formerly part of Serenity farms, an equine farm, the home now enjoys the beauty of the horses, pond,

Beautiful views of the countryside

View from master suite of luxury home for sale in Indiana

and beautiful, peaceful views without the work and concerns of the farm. There is a beautiful pond with lily pads and there is ample privacy! The fenced backyard allows room for pets or yard games!

Back exterior of this rural luxury home

Back of country home

This site in West Central Indiana is rural yet extremely convenient to either US 36 or US 40 with a short commute to Plainfield US 40.  Re/Max Centerstone Brouhard Realtors is pleased to present this beautiful home!


Posted in Brouhard Realtors West Central Indiana, Re/Max Centerstone Brouhard Realtors | Tagged , , , , , , , , , , , , , , , | Leave a comment

House on the Lake

Check out this House on the Lake listed for $344,900.

You will love this house on the lake! Be on the water this summer for full enjoyment this 320 acre private Indiana lake!

Waterfront home for sale at Heritage Lake IN listed by Brouhard Realtors

Indiana Lake House

This gorgeous Cape Cod sits peacefully on a quiet cove at this amazing private lake development located only 28 miles from the thriving city of Indianapolis! It’s an unbelievable buy at Heritage Lake with over 4,000 square feet of extremely well maintained living space. This Indiana lake home enjoys many updates & advanced features including granite, wood flooring, and  a newly painted interior. The spacious walkout basement is the ultimate, lakeside gathering spot

View from Indiana lake house listed west of Indianapolis at Heritage Lake

View of Heritage Lake

with a wet bar gracing the large rec room, a full bath, and a large bonus room.

Indiana lake house features rec room

Basement Rec Room

Access your backyard waterfront paradise from either the basement or from the main level deck overlooking your waterfront lot & gently sloping yard-you are only steps away from your own dock, boat house,  and endless days of boating, fishing, & relaxing on the water!

Brouhard Realtors are your Heritage Lake Experts since 1987! Darrel and Teresa Brouhard have well over 55 years of combined experience, not only selling Heritage Lake, but also enjoying all 320 acres and everything it has to offer! They’ve lived at the lake since 1988 and have raised their 3 boys on the water. If you’ve considered purchasing Heritage Lake property, it is imperative you work with an Indiana lakefront expert. Heritage Lake is a niche market and requires specialized knowledge. Start your journey to owning on the waterfront correctly, contact the Brouhards’. You’ll be glad you did, just ask any of the hundreds of satisfied clients you see out enjoying the water; they’ll tell you to just call Hey Bro! You’ll be glad you did! 

Posted in Heritage Lake Homes for Sale, Heritage Lake Indiana, Heritage Lake Real Estate | Tagged , , , , , , , , , , , , , , , , , , , | Leave a comment

Which Home Improvements Pay Off?

Which home improvements give the best payback?

Home improvements can increase the market value of your property. Which improvements bring the best return on investment? Read on…

Indiana lake home located on Heritage Lake in west central Indiana

Heritage Lake Waterfront Home

If you’re thinking about remodeling your kitchen, or finishing your basement, you probably want to get your investment back when you sell your West Central Indiana home. But when it comes to payback value of home improvements, some are definitely more profitable than others. As a general rule, kitchen and bathroom projects usually get a nice return on investment, typically 90% or more.Things like adding rooms or finishing basements tend to pay back the least. Finishing a basement usually returns less than 50%, so it’s not a project likely to show profit at selling time.

There are a number of factors that go into determining how well a project will pay back. Payback value depends a lot on the current market conditions in your area. If the market is hot and homes are selling fast, you can expect a higher payback value than you would get in a slow market.  Call Darrel or Teresa at Brouhard Realtors for an update on market conditions at Heritage lake and throughout the West Central Indiana area including Danville, Coatesville, Clayton, and Bainbridge.

The type of project you do and how it fits in with other homes in the area can have a big influence on payback too. If you put your money into the wrong type of improvement, you won’t get your money back. But if you’re smart about what you do, you can make money. The payback will be better on improvements that are in demand and conform to neighborhood standards. Adding a second bathroom in a neighborhood where most homes have two bathrooms will give a high return on investment.  Building a large addition that makes your home twice as big as the other homes on the block probably won’t pay back very well. Likewise, the popularity of a project will factor into how much it pays back. An improvement heavily customized to your wants and needs won’t pay back as well as something more common to other homes in the neighborhood.

Another reason to consider is the cost of the improvements. If you can do the work yourself, you can save significantly on the cost of the project and greatly improve the chances of getting a good return on the investment.  However, this is ill-advised if you lack the proper skills. There is nothing worse than poor workmanship and if work is not done correctly and up to code, the value could be lost in the home inspection. It is important to work with proven contractors.

If your home is an Indiana lakefront property, the view is everything! Trim some trees and clean all the windows for an eye-catching, unobstructed view of the lake! Ensure all curtains, draperies, and blinds are open to enhance lake views on entry of the home. Be sure access to the lake and shoreline is as seemless as possible. With waterfront homes at Heritage Lake, it might make sense to get some ideas from Darrel Brouhard before you list. Brouhard Realtors has specialized in the sale of Indiana waterfront homes and lake access properties for 28 years and they have a great handle on what updates make sense when selling your Indiana lakehouse. Darrel also has a list of local contractors and handy men who have done work in the area for years.  He will gladly offer suggestions before you list your property, just contact him on the form below.

The list below is compiled from several published surveys and shows typical payback for some popular remodeling projects:

  • Kitchen remodeling – 90%
  • Add a bathroom – 90%
  • Bathroom remodeling – 80%
  • Install central heating – 90%
  • Install central air – 75%
  • Add a deck – 70%
  • Replace windows – 70%
  • Add a room – 55%
  • Build a pool – 45%
  • Finish a basement – 40%

As you can see, it is important to put your money into the right project to enhance not only your Heritage Lake home’s marketability, but also to increase your net at the time of sale. Don’t leave these important decisions up to what you would like to see. Call your West Central Indiana real estate experts at Brouhard Realtors to be sure you put your money where it can grow into real value in your  home. Contact the Brouhards today!

Posted in Heritage Lake Real Estate, Indiana waterfront homes | Tagged , , , , , , , , , , , | Leave a comment

Waterfront Homes for Sale

Waterfront Home for Sale at Heritage Lake for $199,900!

Less than $200K and on the water with your own dock, check out this Indiana Waterfront home for sale, located only an hour from Indy!

Have you been dreaming of owning an Indiana waterfront home but you are sure you can’t afford it? Have most the Indiana waterfront homes for sale been priced out of your range? Well, think again! Check out this waterfront home located less than an hour from Indy and listed for $199,900! Yes, 77 Mill Springs is located on a cove with an easy idle away from the main body! To top it off, the Sellers just installed new hardwood flooring!


Lakeside Deck


Imagine drinking your morning coffee from this lovely vantage point on your very own lakeside deck. Can you hear the birds singing and the waves trickling in the cove?


Cove View of Waterfront Home

View of the cove from the dock of waterfront home

This waterfront lot has a gentle slope to water’s edge and a dock in place for your boat. You can stroll to lake and throw in a line or jump on the boat for a day of fun.

Lakeside exterior photo

Lakeside view of waterfront home


Don’t hesitate to visit this lovely waterfront home at Heritage Lake only 28 miles from Indianapolis, IN! You could live in this home full time or it would make a fantastic lakefront summer home! Heritage Lake is a fantastic spot for your Indiana summer home! Located only 30 miles from the west side of Indy and convenient to all the Indianapolis suburbs including Carmel and Greenwood, IN. Heritage Lake is also convenient as a waterfront, summer home destination for Chicago and Cincinnati lakehome lovers!

Brouhard Realtors with Re/Max Centerstone are your Indiana waterfront home experts. It is important you work with a real estate broker with specialized training and loads of experience in selling waterfront properties.  Darrel and Teresa Brouhard have specialized in Indiana waterfront sales since 1987 and have sold over $100 million in Heritage Lake homes and properties. Put our experience to work for you today! We will work tirelessly to find you the perfect Indiana waterfront home for your family.

Posted in Heritage Lake Real Estate | Leave a comment

Indiana Lake Houses

This is one of the most prime Indiana Lake Houses at Heritage Lake.

Not many Indiana lake houses enjoy 125′ of shoreline like this pie shaped waterfront lot at 216 Mill Springs!

If you’re searching through Indiana lake houses for the waterfront home of your dreams, this could be it! There are only so many waterfront lots in Indiana with this type of vantage point-the views are simply breathtaking! Consider the location of Heritage Lake, only 28 miles west of Indy, and you know you’ve got a winner!

Once you arrive at the private cul de sac, you’ll feel welcomed by this darling chalet home at 216 Mill Springs. As you enter, your eyes are automatically drawn to the striking lake views through the windows. This could be the perfect place for you to relax with your friends and family because this lakehouse is ready for fun on the water! The master suite is upstairs and enjoys its’ own waterfront

Indiana lake house views of Heritage Lake

Views of Heritage Lake from Indiana lake house

balcony! Full, unrestricted views of Heritage Lake are yours! The master bedroom has vaulted ceilings and beautiful hardwood floors. The walk out basement is a great place to house your weekend guests at the lake with another bedroom, living area, and a full bath. The basement exits to the lakeside patio with the lake just a few steps away from the water’s edge. You’ll

Indiana lake houses for sale

216 Mill Springs at Heritage Lake

love sitting on the patio taking in the view and enjoying both sunrise and sunset from this prime place on the water. While this home doesn’t have a sprawling master suite, you have to remember what it does have-one of the most prime lakefront lots in Central Indiana.

Heritage Lake is the ideal place for your Indiana lake house. It’s is less than 30 miles from Indianapolis, IN, lends nicely to full enjoyment of your home on the water. Leave work on Friday and meet the family at the lake for a weekend enjoying the water. Or make use of extra time off during the week when almost no one else is on the lake! You could even commute to work from the lake for most of the summer! If you live at Heritage Lake full time, you’ll enjoy the water every day and enjoy events in Indianapolis as well since it is such an easy commute.  Several summer home residents at Heritage Lake hail from Chicago or Cincinnati. The commute is only 2-3 hours from these cities.

Brouhard Realtors have sold Heritage Lake homes and properties since 1987 and considerate it a privilege to aid people like you with answering their lakehouse dreams.  Heritage Lake is a 320 acre playground on the water! RE/MAX Centerstone Brouhard Realtors is among the top 3% of RE/MAX teams in the state and Darrel Brouhard is one of the top agents in the Indianapolis Metropolitan Board of Realtors.  With over 50 years of combined specialization in the niche real estate market of Heritage Lake, Brouhard Realtors are the team who look forward to being your neighbors after the sale. Join us on the water for lake fun this summer!


Posted in Heritage Lake Real Estate | Tagged , , , , , , , , , , , , , , , , , , , | 1 Comment

Homes at the Lake

Cute Cottage Homes at the Lake for Sale

You’ll enjoy full access to all Heritage Lake amenities with this home at the lake!

Maybe you’ve looked at all the homes at the lake and you’re getting the urge to head out to Heritage Lake and buy your own lakehouse. But maybe you’re concerned you can’t afford an Indiana lakehouse at Heritage Lake. Well, there is good news! Brouhard Realtors have homes at the lake listed in almost every price range!

Home at Indiana lake

Home at Heritage Lake

Home at the lake at Heritage Lake IN

View of Nature Preserve

202 Victory Hill is a fantastic home at the lake! This is a very cute cottage at Heritage Lake that can become your personal retreat! Its’ location on the Nature Preserve that has Clear Creek running through it to the lake is beautiful, tranquil, full of wildlife and expands over 2 lots! And while you don’t view the lake, all you have to do is take a small journey to either the Heritage Lake Marina or Lincoln Hills Park where your boat is tied up and waiting for some fun on the water!  You could take your bike or golf cart! This casual Heritage Lake house is as cute as a button with a fantastic wrap around deck to view the nature preserve and wildlife. The covered pergola enjoys plenty of seating for peaceful outdoor evenings. The kitchen has been recently updated with fresh paint, new lighting, & tiled flooring  and you’ll love the large bonus room and full bath in the finished basement. The laundry room features a folding table & extra cabinets.

So whatever your needs are,  Brouhard Realtors can help to find you the right home at this beautiful, private Indiana lake to meet both your dreams and your budget! Contact us soon and be in your home at the lake for summer fun in 2015 at Heritage Lake Indiana!

Posted in Heritage Lake homes, Heritage Lake IN | Tagged , , , , , , , , , , | Leave a comment

Expert Realtors Necessary

Why you need expert Realtors® when you list or sell your Heritage Lake property.

Do you need expert Realtors for a quality niche real estate experience at this Indiana lake?

I’ve been taking my aging parents to some doctor appointments in the past couple of months. It’s amazing to see how things have changed in medicine. The same issues the ole’ family doc used to handle are now directed to the specialists. There are specialists for everything!  As our knowledge base continues to grow via the internet and technology, I see more specialized fields occurring in all professions.WFSALES.Chart

What is an expert? According to merriam-webster.com, the definition of an expert is ‘a person who has special skill or knowledge in some particular field;specialist; authority’.  Synonyms include pundit, maestro, trained, skillful, adept, virtuoso, master, wizard, connoisseur, and afficionado. I’m sure you get the idea? 

Do you really need a real estate expert? According to Forbes.com ” there is no doubt that people are seeking out the guidance of “Expert” content to help them make purchase decisions.”  The author continues to discuss since expertise is in fact what people are looking for then how do you determine who sounds like an expert and who actually is an expert?” Daniel Newman states that “While there is no 100% foolproof way to tell between an expert and their wanna-be counterpart, there are some things readers can do if they are seeking to assure that their “Expert” content really comes from an expert.” He advises the following steps:

1. It is important to consider the source of the information. Does the expert back up the information with years of documented and proven successful experience and do they site reputable sources when claiming their expertise?

2. Check the facts. If someone says they sold x number of properties, be sure they site their source.  Are their sales documented in the blc of MIBOR? When someone says they sell a certain number of homes or have so many millions in sales volume, they should be able to show you a print out directly from the blc documenting that production.

3. Search the expert on line. Google them. You will be able to tell where their expertise is easily by their internet presence.

Since we’ve establishes what makes and expert, we need to learn why an expert is a necessary part of your real estate search and transaction. A Nielsen study sited by the Forbes article previously mentioned found that “85 percent of consumers regularly or occasionally seek out trusted expert content when considering a purchase”.  The study also “found that expert content was the most influential at every point in the new buyer’s journey (Awareness, Affinity, Purchase)”

OK, I think we can all agree that specialization and expertise is important in every endeavor. Besides the obvious necessity of being a proven agent with proven skills, I believe it is especially important in a niche market like Heritage Lake.  A niche market requires specialized knowledge for a reason…this knowledge can make a big difference in the outcome of the sale for both the seller and buyer! It makes a difference in not only their stress levels, but also the financial success of the transaction.  For example, when a real estate broker does a market analysis on a property, they will use 3 or 4 comparable sales from the past year. Most agents put numbers into the computer system such as square footage, bathrooms, etc.  and then let the computer pick out the comparables most similar and then continue to allow the computer to interpret the data and determine the list price. There are so many variables when comparing listings at this Central Indiana lake that a computer cannot possibly determine the correct list price. Sometimes those with less expertise might compare square footage and the number of rooms and think they are comparing apples to apples when they are not! Lake property values are difficult to determine.  I’ve seen the deleterious results of homes priced badly. The house sells quickly which makes everyone happy-unless they consult with an expert afterward to learn there were other factors to consider.

Don’t take a chance of pricing your Heritage Lake home incorrectly! Why wouldn’t you consult with the proven and documented experts in the market? Contact Darrel or Teresa. They’ll be happy to show you their sales numbers. No one else has ever sold as many waterfront properties at Heritage Lake. Not only that, they know the houses they use as comparables! They intimately know the views,  the shoreline, the depth. In fact, they’ve sold many lake properties three and four times over. They have many clients they have served on multiple transactions and enjoy a huge referral base that is filled with their past clients and their clients’ relatives and friends. In fact, the Brouhards are neighbors with all of their past lake customers! This fact does not go unnoticed as they strive as a team, along with their licensed office manager, Nichole Houser, (another neighbor)  to provide the BEST sales and buying experience possible at Heritage Lake. Nichole takes care of important lake oriented details including the newly required Clear Creek Conservancy certificate and making sure the POA has everything needed to supply the new owners thier property owner cards.

Darrel Brouhard is not only a Heritage Lake Expert, he is also a real estate expert as

CRS agent chart of stats

CRS agents sell more real estate than 97% of agents

defined by his status as a Certified Residential Specialist. A CRS is a real estate broker who has completed extensive, additional education and must have a consistently high level of production over a number of years. According to the CRS website: “Annually, Certified Residential Specialists earn more than triple the income of the average REALTOR®, and CRSs complete nearly twice as many transactions each year. Out of more than 1 million REALTORS®, less than 3% are Certified Residential Specialists.

There you have it! Specialization is important. It takes a lot to be an expert and Brouhard Realtors have proven their expertise in over 28 years of serving the real estate needs of Heritage Lake.  Contact the Brouhards today. They will be happy to discuss your Heritage Lake property and offer advice about Buying or Selling at Heritage Lake!

Posted in Heritage Lake Real Estate | Tagged , , , , , , , , , , , , , , , , , , | Leave a comment