Click Here To Get 20 GB Free Cloud Storage

The Fund


attorneys title insurance fund

Savings of Time and Money – It simplifies the closing process for your lawyer, thereby saving you time and money. Lender’s Policy – Protects the lender from losses in the event that the property’s mortgage is invalid or unenforceable. A lender’s policy usually provides coverage for the amount of the property’s mortgage.

The ease with which companies can guard against a claim shows in the claim rates. While home insurance and car insurance companies can pay upwards of 80 percent of their premium dollars on claims, title insurers only pay around 3 or 4 percent of their premium dollars on claims. There are also significant execution risks in managing substantial premium growth related to the surge in refinancing activity in recent years. Attorneys Title also faces inherent risks associated with its significant concentration in Florida, as evidenced by rapidly appreciating real estate markets, which could result to some degree in future price volatility. However, this risk is somewhat mitigated by Florida’s favorable demographics trend as evidenced by a continued strong population growth and economic fundamentals.

He cultivated relationships with consumer groups and the insurance industry to create a regulatory environment that helped Colorado consumers but was a fair, level playing field for the industry. He also worked within the Division to establish objectives that provided for better protection of insurance consumers. The independent auditor must be a certified public accountant using generally acceptable accounting principles in the preparation of the financial statements of the employer. Insurance or proof of financial ability to pay required; self-insurer prohibited. Lawyers are also required to certify their familiarity and compliance with Disciplinary Rule in the biennial registration form which is filed with the Office of Court Administration. In the event a law firm dissolves, appropriate arrangements must be made for the maintenance of the firm’s records, either by a former partner or the successor law firm.

Attorneys’ Title Insurance Fund Fictitious Names

The lawyer must provide timely and complete accountings to the client, and disburse promptly all funds and property to which the client is entitled. A client’s non-cash property should be clearly identified as trust property and be secured in the lawyer’s safe or safe deposit box. A lawyer in possession of client funds and property is a fiduciary. The lawyer must safeguard and segregate those assets from the lawyer’s personal, business or other assets. 2d 1261, 1263 (Fla. 1988) , the Supreme Court said that it will require that a defendant’s claim for fees be made either in the motion to dismiss or by separate motion filed within 30 days following dismissal until an appropriate rule is approved.

The offeror can utilize the offer as a means to divide the offerees, thereby producing more litigation. These circumstances directly contradict the policy rationale underpinning the statute and rule as well as the principles outlined in our prior decisions. Following a bench trial, the court rendered a final judgment in favor of Attorneys’ Title. Subsequently, Attorneys’ Title filed a motion to tax fees and costs against the respondents pursuant to the unaccepted proposal for settlement. While the respondents sought review of the final judgment in the Second District Court of Appeal,2 Attorneys’ Title filed a motion with the Second District for appellate attorneys’ fees pursuant to the unaccepted proposal for settlement. The Second District remanded the fee issue to the trial court for a determination of whether Attorneys’ Title was entitled to fees.

All of these policies provide detailed and explicit information about what is and what isn’t covered. Reading your policy in advance will help you to understand the gaps in coverage. One of the most important documents to examine is the title insurance commitment. It explains in detail the type of insurance coverage you will obtain upon issuance of your title insurance policy.

The trial court dismissed the case with prejudice finding that it did not state a cause of action. On appeal, the Fifth District agreed “that the title defects complained of by the Daniels are clearly excepted by the commitment language”14 and affirmed the dismissal with prejudice of the breach of contract claim. The Fifth District reversed as to the breach of fiduciary duty and fraud counts finding that the complaint stated the causes of action in tort because Coastal had a duty to disclose the existence of the easements prior to closing. We see no reason why the principles applicable to an abstractor should not be applied to a title insurance company where it undertakes the duty to schedule record title defects.

Attorneys` Title Insurance Fund, Inc Vs

Including car, motorcycle, homeowners, pet, farm, life and commercial insurance. As well as annuities, mutual funds, retirement plans and specialty health services. We’ve grown from a small mutual auto insurance company, owned by policyholders who spent their days farming in Ohio, to one of the largest insurance and financial services companies in the does having a salvage title affect insurance world. Every policy for the insurance of the compensation provided in this title or against liability therefor shall be deemed to be made subject to provisions of this title. No corporation, association or organization shall enter into any such policy of insurance unless its form shall have been approved by the Director of the Department of Insurance.

Please call our office one day prior to closing and we will provide you with the dollar amount you will need to bring to settlement. In the event we do not have figures from your lender and cannot provide you with an exact amount, you may refer to the Good Faith Estimate provided by your lender and use a personal check for any remaining balance due. Upon receipt of the ratified contract, our office will begin the process of conducting a title search and coordinating settlement with your lender. An owner’s policy protects you, the homebuyer, against a loss that may occur from a fault in your ownership or interest you have in the property. Unless otherwise negotiated in the sales contract, the standard purchase transaction will require that the purchaser and the seller split the total transfer and recordation costs.

A closing agent’s delay in providing services without justification in connection with agency loans may be a basis for not approving the closing agent in future cases. In Herget National Bank of Pekin v.USLife Title Insurance Company of New York, 809 F.2d 413 (7th Cir. 1987), a group of banks together participated in the funding of a construction project. USLife gave closing protection letters to the banks as to its agent, which was holding all of the banks’ funds in escrow and would disburse them.

The title insurance commitment also spells out any issues that could arise that would be excluded from your title insurance coverage. For example, there is commonly an exclusion for any issue that would be revealed by a survey of the premises. Without a survey, for example your title insurance coverage will not protect you in the event you find yourself in the middle of a boundary line dispute with your neighbor.

Lawyers Title offers customers the most complete real estate services in the nation. From title and escrow to mandatory disclosure, you can count on Lawyers Title for all your real estate needs. Lawyers Title has a rich history of serving its customers with accuracy and efficiency, and has unequalled financial strength to back your policy. For assurance and security for you and your heirs, tell your real estate professional you want a Lawyers Title Insurance policy and request Lawyers Title when you open escrow. Attorneys Title’s positive rating factors are derived from its long operating history and strong brand identity in the Florida title insurance marketplace. Furthermore, Attorneys Title has made critical investments in cost saving technology, which will also enable it to further build its brand in the highly competitive Florida market.

If there are any major defects discovered on the title, you will be made aware of these before you close the transaction. If the title company determines the title to be insurable, they will issue a policy of title insurance. Sometimes this policy is written with certain exceptions, such as title “clouds” that they were unable to cure or any other issues that you agreed to accept the risk for. The title insurance owner’s and loan policies will protect you and your lender from possible undiscovered issues, including forgeries, errors, and problems that did not turn up in the search. Purchasing title insurance is one of the important steps that a home buyer will take before closing on her new home.

To the extent plaintiffs sue for fraud, or otherwise in intentional tort, these cases should be reliable authority. To the extent plaintiffs sue in negligence, the viability of Florida Southern, Sudberry, Daniel, and Askew is in doubt because of the economic loss rule. Florida Southern, Sudberry, Daniel, and Askew are all based in tort and not breach of contract.

We Are Experienced Lawyers Working For You

Statewide, attorneys maintain over 48,000 IOLA accounts in approximately 200 banking institutions. Every New York lawyer who handles client funds must maintain an IOLA account. Lawyers must use an IOLA account for qualifying funds, unless he or she uses an account that will generate compute and pay net interest to the client (net of all bank fees and the lawyer’s or law-firms related services).

Gorka and Larson, who are husband and wife, own certain real property that is insured under a title insurance policy issued by Attorneys’ Title. When a dispute arose regarding the property, they sought to have Attorneys’ Title defend their fee simple title in accordance with the policy. After Attorneys’ Title allegedly refused, Gorka and Larson sued Attorneys’ Title, seeking a declaratory judgment and damages for breach of contract. In 2009, Attorneys’ Title Insurance Fund, Inc. merged with Old Republic National Title Insurance Company to form Attorneys’ Title Fund Services, Inc. (“The Fund”).

attorneys title insurance fund

If there’s an encroachment or easements that could potentially cause a problem, your title company is required to take this into account and insure for. If required, the title company will order a survey or drawing of the property. The aim of this is to discover any potential encroachments – such as if a neighbor’s addition was built on your property – and verify that the home is within its set boundaries.

The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Forbes Advisor. Here is a list of our partners who offer products that we have affiliate links for. buyer title insurance I’ve been writing about insurance for consumers for more than 20 years. Insurance intersects with many parts of our lives, yet it’s tough to untangle, and wrong choices can make a financial mess. I’m especially interested in how data is affecting the price you pay for all insurance types.

Blue Marlin Title Corporation

See id. (quoting United Servs. Auto. Ass’n v. Behar, 752 So.2d 663, 665 (Fla. 2d DCA 2000)). Therefore, a proposal that conditions acceptance upon the mutual agreement of both parties and prohibits either party from independently evaluating and accepting the amount offered violates these principles. The issue presented by the conflicting decisions is whether a joint offer of settlement or judgment that is conditioned on the mutual acceptance of all of the joint offerees is valid and enforceable. The conditional nature of the offer divests each party of independent control of the decision to settle, thereby rendering the offer of judgment invalid and unenforceable. Significant legal events involving law firms, companies, industries, and government agencies. The proposal stated that the total amount to settle was $75,000, with half to be paid by one defendant and half to be paid by the other.

The proposed discipline then goes before the California Supreme Court for final review. It also investigates complaints against attorneys and determines whether lawyers accused of unethical conduct should be disciplined. When complaints are filed with the State Bar, they are investigated by the Office of Chief Trial Counsel. The State Bar’s Mandatory Fee Arbitration Program is an informal, confidential, and lower-cost forum for resolving fee disputes between lawyers and their clients. This kind of arbitration is required for a lawyer if requested by a client.

attorneys title insurance fund

For four decades, The Fund has provided law schools with annual gifts to promote real property education. Beyond this most recent gift, The Fund has provided the College of Law with more than $20,000 in curriculum grants over the past 40 years. Professor Craig is nationally recognized for her work with the Clean Water Act, the connection of fresh water regulation to ocean water quality, marine biodiversity and marine protected areas, property rights in fresh water, and science and water resource protection. She has published The Clean Water Act and the Constitution , Environmental Law in Context and more than 20 law review articles and numerous shorter works. Her research interests include the relationships among real property rights, water rights and environmental regulation.

Yet, neither party is required to plead the most substantial financial issue in the case as a separate claim. Special rules have evolved by case law, and those special rules must be followed. The Rules of Civil Procedure do not reveal the technical requirements for pleading the claim for fees, but a failure to comply with the requirements will result in a waiver of the right to recover fees. Unless you pay for your home out-of-pocket, your lender will usually require to you to purchase a loan policy of title insurance.

Selecting a closing attorney may prove particularly important, and it is advisable to seek a closing attorney that is organized, attentive to details and mindful of the importance of your transaction. Contact Brinkley Walser Stoner today if you need a closing attorney for a real estate transaction. Well, when a property is financed, bought or sold, a record of that transaction is generally filed in public archives. Our Newark real estate law office is conveniently located in the Pike Creek area of Wilmington, Delaware. Most lenders require buyers to have active homeowners’ insurance homeowners’ insurance until the loan is paid off in full. Your lender and closing agent will probably require you to provide proof of active insurance at or just before closing.

If it seems that the issue may fall within the coverage of the title policy, promptly notify the title insurance company that issued the policy. To preserve the rights of your client, take care to comply with the conditions of the policy. Always check the policy jacket for how and when to make a claim. This article will review two key provisions of the jacket for the Owner&€™s Policy of Title Insurance issued by ATG, which govern how claims are to be submitted to ATG. State Offices are directed to require title insurance for all loan closings unless the agency determines that the use of title insurance is not available or is economically not feasible for the type of loan involved or the area of the state where the loan will be closed.

Who Pays for Title Insurance in Florida? – Real Estate Legal Blogs Posted by Roy D. Oppenheim – Blog

Who Pays for Title Insurance in Florida? – Real Estate Legal Blogs Posted by Roy D. Oppenheim

Posted: Wed, 30 Sep 2020 07:00:00 GMT [source]

For this reason, title insurance costs do not fluctuate and can seem expensive to buyers who have just made a very expensive purchase on top of that. Title insurance costs are calculated by multiplying the purchase attorneys title insurance fund inc price of your home by the rate per thousand your insurance company uses. The rate per thousand is a going rate that is used for every thousand dollars that is calculated for the value of your home.

The Colorado Division of Insurance offers a report where you can compare the rates charged by various underwriters. Please click on the link for a comparison of our Title Insurance Rateswith many of our top competitors. Delay in providing services without justification may be a basis for not approving the company.

With more than 50 years of experience serving Colorado, Minnesota, Utah, North Dakota, Arizona and now Nevada, ATGF is uniquely suited to provide title insurance guidance to its agents and to consumers. Backed by the strength of Old Republic Title, only The Fund delivers next-level services and best-in-class education designed specifically to give you and your practice the competitive edge you need to succeed in Florida. Join more than 4,000 Members statewide who rely on us to help them close real estate transactions smoothly, successfully and confidently. When I realized I immediately contacted your customer care and gave the details. I checked all my Insurance papers and realized that I am eligible for a claim of ___________ _.

Insurance laws are located in Title XXXVII of the Florida Statutes and in Chapters 69B and 69O of the Florida Administrative Code. TALLAHASSEE—Water law expert Robin Kundis Craig has been named the Attorneys’ Title Insurance Fund Professor at Florida State University College of Law. The professorship, which is designed to recruit or to retain an exceptionally productive legal scholar in real estate law, was established by the Attorneys’ Title Insurance Fund, Inc. , the nation’s first Bar-related® title insurance underwriter. H&H Title is affiliated with the Peoria law firm Hunziker & Heck, LLC (). The law firm can provide legal representation and document preparation services for the real estate transaction. 2) Since Casa Clara and Sandarac did not recognize an exception to the economic loss rule for real estate closing agents, Florida Southern, Sudberry, Daniel, and Askew did not create an exception to the economic loss rule.

If you are interested in learning more about any of these title-related services, please use the Office Locator feature to contact your local Lawyers Title representative. Title insurance protects customers and lenders in real estate transactions from financial loss that results from defects in the property’s title. Most real estate transactions in the United States involve financing from a lender, and because most lenders require title insurance, nearly every real estate transaction in the United States includes a title insurance policy. Title insurance policies are not all that different from insurance policies insuring your home, auto, and health.

Enrollment takes just two easy steps.Open an IOLA account with aparticipating financial institution. Banks vary widely in terms of the old republic national title insurance company ny “net yield” their IOLA accounts pay into the IOLA Fund. Within 30 days of opening the IOLA account, submit the onlineEnrollment Form.

Boy Scouts bankruptcy plan set for vote by abuse claimants – Sacramento Bee

Boy Scouts bankruptcy plan set for vote by abuse claimants.

Posted: Fri, 01 Oct 2021 10:05:08 GMT [source]

These bank notices are required by the Appellate Divisions’ Dishonored Check Reporting Rules. A “dishonored” instrument is a check which the lawyer’s bank refuses to pay because there is insufficient funds in the lawyer’s special, trust, or escrow account. A lawyer, as a fiduciary, cannot profit on the administration of an attorney trust account.

This power of attorney becomes effective upon my disability or incapacity. This power of attorney is not affected by my subsequent disability or incapacity. ____ My agent is entitled to reimbursement of reasonable expenses incurred on my behalf but shall receive no compensation for serving as my agent. ____ My agent is entitled to reimbursement of reasonable expenses incurred on my behalf and to compensation that is reasonable under the circumstances. Want to keep track of any changes made to Attorneys Title Guaranty Fund? Add a tracking alert to receive an email any time a comment or edit is made to this business.

While there are some restrictions, almost any type of asset can be transferred into a trust. Most title transfers only involve amending the original document to change the name from the grantor to the trust. It’s important to follow these steps to transfer title to the revocable trust, otherwise the beneficiaries of your trust could end up going through the probate process. Certain property that is not registered or titled can still be transferred into a trust. To do this, the grantor must simply list such property in the trust agreement itself with a brief description.

attorneys title insurance fund

In some cases, there may be subsequent adjustments to the HUD-1 Settlement Statement or other documentation that will require a longer closing time. At the time of closing or shortly thereafter, the lender will remit funds to the closing agent’s escrow account for disbursement. I authorize the physician who examines me for this purpose to disclose my physical or mental condition to another person for purposes of this power of attorney.

You obtain title to property when the owner signs the deed over to you. Title is then registered in the government’s land registration system. You can find all this information, any more, online such as the Florida Statutes and Administrative Code .

If you are a lawyer who maintains a qualifying client trust account and have not yet opened an interest-bearing IOLA account for making nominal or short-term deposits, you should take steps to do so immediately. Whether this is your first or fiftieth real estate investment, ask your real estate agent or broker to specify Lawyers Title during your transaction. Lawyers Land Title Company has years of experience in dealing with commercial closings and has closed thousands of transactions. Our commercial department specializes in all commercial real estate property categories.

If the grantor ever wants to add, remove, or modify these types of assets, they should do so in writing in front of a notary public. Legally amend the title from the grantor’s name to the name of the trust. The grantor must go through certain formal steps in order to legally transfer ownership of their assets into the trust. If not transferred properly, the assets will not be a part of the trust and will not be distributed according to its terms. Our network attorneys have an average customer rating of 4.8 out of 5 stars.

If you already own a life insurance policy and decide to then create a trust, you can transfer ownership of the policy to the trust. By having the life insurance paid to a trust with your children as beneficiaries, you also maintain some control over the assets. If you name minor children as beneficiaries on a life insurance policy, they won’t be able to access the money until the age of majority , and they may not be financially responsible enough to manage money at that age.

The owner could also remarry – titles can be contested and so on. If the property has been in your possession for a relatively short period of time, then the rates may be lower, as compared to a reissued title insurance policy for the sale of property that has been in the company for the last 30 years. The title insurance company also may be responsible for conducting the closing. It will maintain escrow accounts where your closing costs are kept until the day you close your loan. In some cases, the company that handles closing and the company dealing with title and title insurance will be different. Once a title insurance company has done its verification, it will back that guarantee with title insurance, which protects the lender and/or owner in the event that someone comes along and makes a claim to the property in the future.

There is always a risk that your file will be lost or indecipherable by the time a claim is made. Many years ago, the Florida Land Title Association helped coordinate an agreement among most of the title insurers doing business in Florida. This agreement has been updated several times over the years, and additional insurers have joined along the way, and from time to time it has been updated to reflect changes in the law or in commercial practices. The hiring of a lawyer is an important decision that should not be based solely upon advertisements. Before deciding to pursue representation, please review our qualifications and experience. The information presented at this site should be construed as general information only and is intended to neither offer formal legal advice nor create an attorney-client relationship.

Level the playing field by contacting an insurance attorney today. This also depends upon the lawyer’s fee agreement with the client. If the money advanced by the client is to remain client property until it is used for specific litigation expenses, it should be segregated and safeguarded in the attorney trust account, or in a similar special account. Once the title company has searched, examined and cured the title, it can determine the ability to insure the title.

He has served as an adjunct instructor at Southern College in Orlando, Florida. Learn how to market your law firm or title company more effectively with one of our past trainings or free resources. In 1947, Iowa outlawed title insurance in its entirety, but because secondary mortgage market players like Fannie Mae and Freddie Mac require it, Iowa acquiesced in 1987 by creating Iowa Title Guaranty, the only title insurance entity authorized to do business in Iowa.

Civil Code section 3040, health insurance liens can be no more than the cost to perfect the lien and the amount actually paid for non-capitated charges, and 80% for capitated charges (i.e. Kaiser, a system in which a medical provider is given a set fee per patient). Note that if you have a provider like Kaiser who pays the ambulance bill, and also has charges for services at a Kaiser facility, the ambulance bill will not be subject to the 80% reduction, but the Kaiser charges will be. Finally, obtain a credit for co-pays made by your client, which should be subtracted from the total lien claim of the health insurer. Information on the CMS-1500 Initiative Psychologist’s Report Psychologist Workers’ Compensation Board, insurance carrier, injured employee or his/her representative. Information on the CMS-1500 Initiative Occupational/ Physical Therapist’s Report Occupational/ Physical Therapist Workers’ Compensation Board, insurance carrier, referring doctor, injured employee or his/her representative. For intangible property, such as an interest in a business or partnership, the grantor may need to amend the business’s operating agreement and state registration documents to reflect the change in ownership.

In addition, each company has a Consumer Complaint Officer who oversees the complaint handling process. The Consumer Complaint Officer is an employee of your insurance company responsible for ensuring that your complaint is addressed. If you are unable to obtain information about the protocol from your company representative, or if you are having difficulty obtaining a response outlining your company’s position, then you should contact your company’s Consumer Complaint Officer. Note – Title insurance policies for existing homeowners are slightly different than policies that are obtained at the time a property is purchased.

With respect to negligence claims for abstracter’s liability, the title insurance agent is the proper party against whom the claim should be asserted. Except where title insurers perform these functions inhouse, the title insurance agent is the party who conducts the search, examination, and evaluation of title and schedules the title defects. If a record title defect is not scheduled, it is the title insurance agent who commits the negligence, not the title insurer. In the typical situation, counsel for the policyholder is able to rely solely on the policy to remedy the problem and needs only look to the policy to review the specific obligations, rights, and duties of the title insurer and the policyholder.

The language conferring authority with respect to digital assets in a statutory durable power of attorney empowers the attorney in fact or agent, without further reference to a specific digital asset, to access digital assets as provided in Chapter 2001. I agree that any third party who receives a copy of this document may act under it. Termination of this durable power of attorney is not effective as to a third party until the third party has actual knowledge of the termination. I agree to indemnify the third party for any claims that arise against the third party because of reliance on this power of attorney. The meaning and effect of this durable power of attorney is determined by Texas law.

attorneys title insurance fund

The title process usually takes about two weeks; however, depending on the property and transaction type, this can vary dramatically. Your real estate agent or escrow/title officer can give you updates on the timetable as the closing progresses. When we say “reissue”, it means that the title insurance company agreed to cover or provide title insurance protection for the same piece of property, a property that they have already provided title insurance coverage for. This usually happens in the event that ownership of the property has changed or when the owner decides to have the mortgage of the property refinanced. As a consumer, you have the right to select your underwriter for your title insurance, the same as you do with your auto and health insurance. Which title insurance company you choose is predicated by requirements such as pricing, ability to accommodate your requests, and personability.

If, on the other hand, the advance fee remains client property until it is earned by the lawyer, it should be deposited in the attorney trust account, and withdrawn by the lawyer or law firm as it is earned. If the advance fee becomes the lawyer’s property when it is paid by the client, the fee should be deposited in the business account, and not in the attorney trust account. To safeguard clients’ funds from loss, and to avoid the appearance of impropriety by the lawyer-fiduciary. The account is used solely for funds belonging to clients and other persons incident to a lawyer’s practice of law. Attorney trust accounts must be maintained in banking institutions located within New York State; that is, a “state or national bank, trust company, savings bank, savings and loan association or credit union”.

  • The employees of Alliance Land Title, Inc. understand that purchasing a home is the biggest investment most people will make in their lifetime.
  • This article examines the situations in which and theories by which title insurance companies may be liable outside the contract of the title insurance policy.
  • Legally amend the title from the grantor’s name to the name of the trust.
  • Consequently, the offeree lacks independent control over the decision to settle and conclude the litigation.
  • You have to know what’s happening with clients, competitors, practice areas, and industries.
  • Representing buyers, sellers, and lenders in all residential real estate transactions.

Specializes mainly in Automobile accident attorneys, personal injury law attorneys and relevant types of rights! Compare Attorneys’ Title Insurance Fund Inc law office with the best lawyers in U.S. Please contact the recruiter listed in the job announcement if you need it in a different format. Contact our staff to make an accessibility request if you need specific accommodations at any time during the application process.

The same goes for property that does not change hands but is being refinanced. For example, if you have an existing mortgage on your house and you decide to have that mortgage refinanced, the new lender will require that you get title insurance. Of course, since you already have title insurance on the property, a reissued title policy should be cheaper. It’s very important to realize that while it’s required, lender’s title insurance does nothing to protect any existing equity you have in your home.

In this time, he was instrumental in developing and guiding the Division’s strategies regarding health insurance during what was a tumultuous time for that industry in Colorado and the nation. He advised the previous Commissioner and the Governor’s staff regarding the possible implications of federal changes to the regulation of health insurance here in Colorado. No compromise settlement shall be made by the insurance carrier in the exercise of its right of subrogation without the approval of the commission being first had and obtained. Upon receipt and review of the documents described in subsection , the division shall notify the fund within two business days whether temporary membership is granted. If the division does not notify the fund of its decision within two business days, temporary membership is deemed granted. The Lawyers’ Fund, established in 1982, is administered pro bono publico by a Board of Trustees appointed by the State Court of Appeals.

Date: October 12, 2021