Posts Tagged ‘real estate’

New Government Guidelines Mean Smaller Conventional Mortgages

Thursday, November 30th, 2017

Goldstream Provincial Park, Victoria BC

Sunday, July 23rd, 2017

Nestled in an old-growth forest less than 17 kilometers from downtown Victoria is Goldstream Provincial Park, a crown jewel in the British Columbia park system.  Goldstream is home to dozens of hiking trails, waterfalls, an abandoned gold mine, a world-famous annual salmon run, black bears, bald eagles, spring wildflower displays, and endless vistas to soothe the soul.

Since there is such an abundance of things to see and do in this 477- hectare park, first-time visitors should begin their day at the park’s Freeman King Visitor Centre.

Join an individual or group tour or one of the many interpretive programs and lectures that discuss Goldstream’s rich natural history.  An introductory tour might start with a hike through a forest canopy formed by 600-year old Douglas fir trees.  Several moderate hikes will take you to viewing platforms for the park’s wildlife and waterfalls, including Niagara Falls, cascading 47 meters into a canyon pool.  Adventurous hikers visiting the area will want to embark on the steep and challenging climb to the summit of Mt. Finlayson, a 419-meter mountain offering magnificent views of the Olympic Mountain range and Greater Victoria area.

While Goldstream offers year-round activity, the park bursts at the seams every year from mid-October thru late December when tourists and bald eagles from all over Canada come to observe the natural spectacle of streams of salmon traveling to the Goldstream River to spawn and then die in the very spot they were born four years earlier.  Tourists come to see Mother Nature’s circle of life on full display and the eagles come to feed on the salmon.

Due to the park’s proximity to Victoria, Goldstream is a perfect day trip for the city’s residents and visitors.  For those looking to explore the park in-depth, there are campsites, picnic areas, and children’s playgrounds. Since Goldstream is located on the traditional fishing grounds of local First Nation tribes, recreational fishing is restricted to members of these indigenous cultures.

Whether you are an advanced hiker, mountain biker, or just a nature lover yearning to find comfort in the embrace of an old-growth forest, Goldstream Provincial Park has what you are looking for.  For residents of Victoria who already enjoy a plethora of natural and man-made beauty, having Goldstream Provincial Park as a neighbour is just another bonus.

 

Are you looking to Sell or Buy a home in Calgary and need someone who won’t rest until you’ve found your dream home or until your home is sold? I’ll work hard to earn your trust and to deliver exactly what you need. Contact me at 403-465-0210 or at TheHowardTeam.net.

 

About Bryon Howard

Bryon Howard and his team of Calgary real estate professionals sell an average of two homes a week. He is a member of the MLS Million Point Club, which ranks him roughly in the top 1% of productive realtors in Calgary. His aim is not just to please clients but to help them buy/sell a home in Calgary at the best price, in the shortest time, and with the least hassle. He is a member of the RE/MAX House of Real Estate that leads in the Canadian market. Learn more about Bryon at TheHowardTeam.net.

A Stroll Along Victoria’s Inner Harbour

Sunday, July 9th, 2017

A visit to Victoria is incomplete if it does not include time spent enjoying the city’s majestic Inner Harbour. Take a leisurely stroll along the waterfront promenade and you will discover the magical mixture of scenery, activity, architecture and ecosystems that keep tourists and locals alike coming back whenever they can to breathe in the fresh ocean air and take in the views.  Look one way and you will see Victoria’s iconic Parliamentary buildings and the historic Empress Hotel.  Look the other way toward the sea to behold a colorful flotilla of yachts and boats against a backdrop of azure blue sky and water.

Situated fully within the city of Victoria, the Inner Harbour, also known as James Bay, bisects the downtown area to the front of the Empress Hotel and extends northeast to the Johnson Street Bridge. Home to dozens of restaurants, breweries, whale watching tours and ecotourism activities, the Inner Harbour serves as a port of entry to Victoria and Vancouver Island.  Ferries and small cruise ships shuttle tourists who, in only a few steps, can embark into the heart of the city.  The Harbour is a whirlwind of activity during the day and well into the evening – in good weather and bad.  As dusk settles, the lights come on, the local buskers start playing and people-watching kicks into full gear.

Throughout the warm weather months, the Inner Harbour plays host to a series of music festivals, art fairs, boat shows and sailing events.  There is always something going on.  You can enjoy a local craft beer and watch the sunset, take an ecotour to the regions of the Outer and Middle Harbours, or just sit on a bench surrounded by overflowing flower baskets and watch the rest of the world go by.  Amateur photographers are everywhere –  waiting for the perfect light.  The iconic architecture of British Columbia’s capitol city combines with the vibrant flower arrangements and natural beauty to create one of the most-photographed locations in Canada.

If it is your first visit to Victoria, you are bound to end up at the Inner Harbour.  Hop a ferry, stroll the promenade, and enjoy some fine street musicians and a good meal.  If you are fortunate enough to visit again, we will know where to find you because everyone falls in love with Victoria’s Inner Harbour.

 

Are you looking to Sell or Buy a home in Calgary and need someone who won’t rest until you’ve found your dream home or until your home is sold? I’ll work hard to earn your trust and to deliver exactly what you need. Contact me at 403-465-0210 or at TheHowardTeam.net.

 

About Bryon Howard

Bryon Howard and his team of Calgary real estate professionals sell an average of two homes a week. He is a member of the MLS Million Point Club, which ranks him roughly in the top 1% of productive realtors in Calgary. His aim is not just to please clients but to help them buy/sell a home in Calgary at the best price, in the shortest time, and with the least hassle. He is a member of the RE/MAX House of Real Estate that leads in the Canadian market. Learn more about Bryon at TheHowardTeam.net.

Why Victoria is a Great Place to Live

Sunday, June 25th, 2017

Natural beauty, good weather and a highly-coveted lifestyle are just a few of the reasons Victoria is a great place to live. The city manages to combine old world charm and ambience with ultra-modern amenities in a seductive island setting. A 2016 Conde Nest Traveler reader’s poll chose Vancouver Island, where Victoria is situated, as “the Top Island” in the continental U.S.A. and Canada, as well as one of the “Best Islands in the World.” In 2015, Travel & Leisure named Victoria one of the “Top 10” cities in North America. The Conde Nest readers understand what Victoria residents and repeat visitors have known all along – Victoria is hard to beat!

The city offers four seasons of fun and outdoor activity. Due to the sub-Mediterranean climate, gardens bloom in early Spring and last long into Autumn. The views in and around the outskirts of town are magnificent. Golf, hiking and cycling are year-round activities here. A rich British lineage is apparent not only it the city’s name, but in its impressive Victorian and Edwardian architecture, stately homes and gardens, tea rooms and horse-drawn carriages.

With a vibrant downtown center surrounded by huge areas of undeveloped wilderness and azure blue harbour waters, Victoria is home to more than 80,000 residents enjoying an enviable quality of life. The technology industry has a strong foothold in the city and employs upwards of 15,000 people. Tourism is another major business, contributing more than a billion dollars per year to an already healthy economy.

Anyone thinking of relocating to Victoria or just coming for a visit should think about timing their trip to coincide with one of the city’s music and cultural festivals that dot the calendar. Theatre lovers will enjoy the late summer Fringe Festival which hosts 50 different productions spread over 17 venues. There are music, dance and art festivals along with beer fests, Celtic festivals and Scottish Highland games.

The real estate market in Victoria is HOT and is expected to remain so throughout 2017. Homebuyers have a variety of housing options to choose from, including many newer single-family homes with income-producing secondary suites.

Victoria is a city where you can play golf in the morning, ski in the afternoon and still be home before dark. Come for the weather, come for one of our festivals, or just come to enjoy a taste of our unique brand of island life. History, culture and opportunities for adventure await your arrival!

 

Are you looking to Sell or Buy a home in Calgary and need someone who won’t rest until you’ve found your dream home or until your home is sold? I’ll work hard to earn your trust and to deliver exactly what you need. Contact me at 403-465-0210 or at TheHowardTeam.net.

 

About Bryon Howard

Bryon Howard and his team of Calgary real estate professionals sell an average of two homes a week. He is a member of the MLS Million Point Club, which ranks him roughly in the top 1% of productive realtors in Calgary. His aim is not just to please clients but to help them buy/sell a home in Calgary at the best price, in the shortest time, and with the least hassle. He is a member of the RE/MAX House of Real Estate that leads in the Canadian market. Learn more about Bryon at TheHowardTeam.net.

RMS reset?

Sunday, May 21st, 2017

So, how are you getting along with RECA’s Residential Measurement Standards (RMS)?

It’s been nearly a year since RECA launched the new standards, so the ins and outs of applying it must be routine? You may not agree with every aspect of the RMS, but by now you should be able to present your listings compliantly and explain the rationale and principles to your clients and prospective clients.

All is good and we can move on to other pressing matters . . . right?

If you paused on your response, you’re likely our target audience for this article. The simple reality is that there will never be a measurement standard that pleases everyone—at least that was our experience in the decades that this was CREB®’s work.

From time to time, we would see the need to make some changes, but often it was because new housing products would evolve and we needed to make sure they were included in CREB®’s Measurement Guidelines. This is how different standards evolved over time for single-family and semi-detached product—and then we saw waves of new attached and multi-family structures that drew out even more approaches.

In the absence of any legislated standards, local real estate boards, the new construction industry and other municipalities inched down different paths.

Some time ago, we viewed registered size as a means to establish a consistent size of condominium properties and we know where that has ended up. Maybe the problem is that during all this time, we focused on the structure, rather than the space people use the dwelling to live in? Even NAR on realtor.com advises consumers that, “. . . a home’s square footage can be surprisingly subjective.”

If that’s the case, then maybe we have been too focused on using exact measurements, and perhaps a margin of error or tolerance should be built into the RMS?

It’s sometimes easy to forget that the CREB® measurement standard did not create a perfect world either, and we are not likely to go back to that world in any case. We now have a measurement standard that is principle-based and mandated, which is envied by some jurisdictions like Toronto.

My colleague from the Toronto Real Estate Board (TREB) has said from an Alberta stage that they would love to have a standard imposed by RECO (Real Estate Council of Ontario) because it would bring order to their chaotic approach.

Meanwhile, RECA has heard the concerns of the real estate community after the RMS launch and has since initiated a request for feedback last November. Over a three-month period, they invited you as industry professionals, as well as real estate boards, to provide input by February.

We hope many of our members took action and provided feedback on this subject, as we did here at CREB®. We continue to be very concerned with the impact of the RMS on CREB®’s MLS® System. I will not retrace all of that ground here, but we will not rest until we have a database that our members and Alberta consumers can rely upon as being fully accurate.

Our main message in our submission to RECA was the need for consultation, effective change management and a concerted lobby effort for the RMS to be adopted by all participants in the residential housing sector. We encouraged RECA to maintain the principle of providing a measurement standard that gives consumers and industry professional’s accurate and consistent property measurements.

Following the principled approach, we also advocated for a measurement standard that is simple and consistent with every type of home. You can read our submission by clicking here and keep in mind that in approving this document your board of directors is maintaining their focus on the big picture.

You will also see how we positioned AREA to play a key role in lobbying for the adoption of the RMS as the only standard of measurement in all aspects of residential housing in Alberta.

As RECA continues to consider making changes to the RMS, we are encouraged that they have embraced greater consultation and proactive change management practices. With a fresh approach, we hope a principle-based standard can meet the test of the common sense approach and that it can be readily determined by industry professionals.

Please take a close look at our submission. We are continually asked to provide input and feedback on your behalf in an endless number of ways. Obviously, when we speak on your behalf, we try to respond in a way that reflects the wishes and objectives of the majority of our members. In the case of the RMS, that is a lofty goal and the additional complication is that by suggesting something new and radical in moving to a fully interior living space approach (paint to paint), thinking outside the box comes with risk, something we have been proud of our directors for taking on judiciously.

Our document may not be popular with some of you, but it does achieve the goals of database integrity and promoting member’s interests by steering the thought process toward a principled approach to landing a measurement standard that is consistent and simple to explain, and provides the opportunity for consumers and REALTORS® to genuinely compare all product types equally.

We invite you to share your thoughts here, or you can come to our Town Hall meeting at CREB® on May 31 at 2 p.m. Among other things, we will update you on the work of the Presidential Task Force—the group of your peers that have been taking a fresh look at RECA’s current enforcement of the RMS, while also making recommendations regarding CREB®’s ability to protect the data integrity of the MLS® System.

Moving this conversation further into the realm of principle may not be an easy route, but what if there is a better way to represent the size of a home? Your board of directors is always thinking strategically and have considered the possibility that REALTORS® leading the way toward a measurement standard that resonates with consumers is the ultimate act of advocacy.

 

Are you looking to Sell or Buy a home in Calgary and need someone who won’t rest until you’ve found your dream home or until your home is sold? I’ll work hard to earn your trust and to deliver exactly what you need. Contact me at 403-465-0210 or at TheHowardTeam.net.

 

About Bryon Howard

Bryon Howard and his team of Calgary real estate professionals sell an average of two homes a week. He is a member of the MLS Million Point Club, which ranks him roughly in the top 1% of productive realtors in Calgary. His aim is not just to please clients but to help them buy/sell a home in Calgary at the best price, in the shortest time, and with the least hassle. He is a member of the RE/MAX House of Real Estate that leads in the Canadian market. Learn more about Bryon at TheHowardTeam.net.

Divorce: Your Mortgage and Home

Thursday, May 11th, 2017

Discover Victoria By Bicycle

Wednesday, May 3rd, 2017

Victoria, the capital city of British Columbia, is famous for its thriving real estate market, magnificent scenery and stately Victoria architecture. The city and the surrounding landscapes present a feast for the eyes and memorable vistas that are best enjoyed on a bicycle. Blessed with mild winters and humidity-free summers, the biking trails in and around Victoria beckon riders of all ages, fitness and skill levels. The city can boast of more cyclists per capita than any other Canadian city and a ride along one of Victoria’s well-travelled bike routes is a great way to acquaint yourself with this southernmost major city in western Canada.

When it comes to cycling in Victoria, the options are infinite. Here is a newcomer’s guide to just a few of the city’s more popular trails:

The Galloping Goose – This relatively flat, 55-km trail is the perfect choice for families and casual cyclists. The trail starts in a busy section of town and then meanders through farmland and evergreen forests to an old abandoned mining town. Built on a former railroad, the terrain for the most part is flat with a few easily managed hills.

Hartland Bike Park – Serious riders in search of a challenge head to Hartland Bike Park – about 20 minutes from downtown Victoria. This woodland paradise offers options for all experience levels, but is used primarily by intermediate and advanced cyclists. Don’t forget a trail map if you visit Hartland since the complex network of trails can be confusing.

The Seaside Touring Route – This popular route, specifically designed for visitors, takes the rider by many of the city’s noteworthy attractions. This route has it all! Look one way and you will be treated to a surreal view of the mighty Olympic Mountains. Look the other way and breathe in the deep blue Pacific Ocean. The 39-km route can be modified to virtually any length with water views most of the way. Don’t forget to wave to the resident seals at Oak Bay Marina.

Given the abundance of bike trails and natural beauty, Victoria has emerged as a mecca for international bike racers. The annual Tour de Victoria takes place in August and is a mass participation event attracting both world class riders and weekend enthusiasts. There is even a 3k race for young children.

If you are contemplating a move to Victoria or just joining the thousands of tourists who visit each year, consider getting to know this beautiful corner of the world on two wheels. Grab your helmet and enjoy the view!

 

Are you looking to Sell or Buy a home in Calgary and need someone who won’t rest until you’ve found your dream home or until your home is sold? I’ll work hard to earn your trust and to deliver exactly what you need. Contact me at 403-589-0004 or at TheHowardTeam.net.

 

About Bryon Howard

Bryon Howard and his team of Calgary real estate professionals sell an average of two homes a week. He is a member of the MLS Million Point Club, which ranks him roughly in the top 1% of productive realtors in Calgary. His aim is not just to please clients but to help them buy/sell a home in Calgary at the best price, in the shortest time, and with the least hassle. He is a member of the RE/MAX House of Real Estate that leads in the Canadian market. Learn more about Bryon at TheHowardTeam.net.

Tips for Avoiding Nightmare Tenants

Tuesday, May 2nd, 2017

Success in real estate investment is totally dependent on the property owner’s ability to find and lease space to qualified, dependable tenants.  Good tenants are building blocks for a solid investment.  Each turnover in tenancy involves costs – in lost rent and the cost to prepare space for a new occupancy.  There can also be substantial legal costs involved in removing problem tenants.  While a certain amount of turnover is both inevitable and manageable, the goal must be to keep turnover to a minimum.  Turnover is a landlord’s greatest enemy.

Here are a few valuable tips for pulling in quality tenants and avoiding every landlord’s worst nightmare – the deadbeat tenant from hell who does not pay rent and destroys your property.

Don’t take shortcuts when it comes to tenant screening. – Order background and credit checks on every tenant applicant you consider and have them provide proof of income, such as a current pay stub.  Also, ask for landlord references and make every effort to contact those references.  It is also fair game to check out the social media pages of prospective tenants.  Twitter, Facebook, LinkedIn and Instagram are home to treasure troves of information when you are trying to find out more about a person.  Just because one report or reference comes back looking good, don’t neglect to follow-up with the other checks.

Try a little patience! – Yes, we have established that turnover costs money, but do not lease to the first tenant who comes knocking just to avoid a short-term vacancy.  The costs associated with evicting a tenant will far exceed the costs of a brief vacancy.  Develop patience and wait, if necessary, for the right tenant to come along.

Look for obvious red flags that may signal a problem tenant. – There are signs that alert landlords to tenants that are best avoided.  Anyone who is in a big hurry to move in immediately should cause you to slow down and ask a few questions.  What is the big hurry?  Were they evicted by another landlord or thrown out by their parents?  Also, beware when throngs of friends and family show up to look at a simple one-bedroom apartment.  An excessive number of people living under one roof will result in increased wear & tear and higher utility costs and may even violate the rules of your condo or homeowner’s association.  Finally, watch out for applicants who have multiple addresses over a short period.  This means they move all the time.  Before you know it, they will be moving from your property and you will be back at the drawing board in search of a steady, long-term tenant.

Consider employing a professional property manager. – If your budget has some wiggle room, you may want to opt for the services of a professional property manager.  They have websites designed to attract tenants and are already set up to screen prospective tenants in assembly line fashion.  Best of all, many investors report that property management pros can negotiate better rents than they were getting on their own.

Another way to avoid bad tenants is to be a good landlord.  Honor your own obligations under your rental agreement, respect your tenant’s privacy and your good tenants will be more inclined to renew the lease.  You may even persuade them to accept a little bump in rent to sweeten the deal!

 

Are you looking to Sell or Buy a home in Calgary and need someone who won’t rest until you’ve found your dream home or until your home is sold? I’ll work hard to earn your trust and to deliver exactly what you need. Contact me at 403-589-0004 or at TheHowardTeam.net.

About Bryon Howard

Bryon Howard and his team of Calgary real estate professionals sell an average of two homes a week. He is a member of the MLS Million Point Club, which ranks him roughly in the top 1% of productive realtors in Calgary. His aim is not just to please clients but to help them buy/sell a home in Calgary at the best price, in the shortest time, and with the least hassle. He is a member of the RE/MAX House of Real Estate that leads in the Canadian market. Learn more about Bryon at TheHowardTeam.net.

Helping Parents Make Difficult Moves

Sunday, March 26th, 2017

It is never easy to watch loved ones grow old – especially when it is your own parents. The aging process invariably calls for one or more lifestyle changes and moves along the way. These moves are often fraught with a tremendous amount of emotion and anxiety. Not everyone is fortunate enough to age in place. When the time comes to make some tough decisions and real estate moves, it helps to have a trusted Realtor who understands the range of options available and can guide you and your parents toward the best possible living arrangement to accommodate your parent’s needs.

We often work with clients whose primary goal is to relocate their aging parents closer to their loved ones. In addition to selling the parental home, we try to focus on educating the entire family on the choices available to today’s seniors in the Calgary area. These choices involve everything from downtown apartments to secondary suites, to 55+ communities, assisted living and long-term care facilities.

Since Canadians can boast of one of the world’s longest life expectancies, the challenge of meeting the needs of a growing elder population is a major hot topic in today’s housing industry. It is difficult to navigate the multitude of choices available, but as professional Realtors, we are here to help. Many of us have already or will soon face the same difficult choices to be made with our own parents. When your parents start to slow down and need more help with everyday tasks, it may be time to sit down and talk as a family before the situation worsens. A professional Realtor can bring objectivity and clarity to a confusing and deeply emotional situation.

Although we all face common problems and tough choices, we start with the premise that every family is unique. While many elderly people remain fully-independent and simply want to downsize and simplify their lifestyle, others will require a higher level of monitoring and hands-on care. Transitioning to a new living arrangement requires respect and sensitivity as well as knowledge of the housing options and resources available. When your family decides that it may be time for Mom and Dad to make a move, take some of the stress out of a difficult situation. Resolve to work with a Realtor who you can trust to take care of the details involved in a major move while you take care of Mom and Dad.

Are you looking to Sell or Buy a home in Calgary and need someone who won’t rest until you’ve found your dream home or until your home is sold? I’ll work hard to earn your trust and to deliver exactly what you need. Contact me at 403-589-0004 or at TheHowardTeam.net.

About Bryon Howard

Bryon Howard and his team of Calgary real estate professionals sell an average of two homes a week. He is a member of the MLS Million Point Club, which ranks him roughly in the top 1% of productive realtors in Calgary. His aim is not just to please clients but to help them buy/sell a home in Calgary at the best price, in the shortest time, and with the least hassle. He is a member of the RE/MAX House of Real Estate that leads in the Canadian market. Learn more about Bryon at TheHowardTeam.net.

Choosing A Calgary Realtor: Why Experience Matters

Sunday, March 12th, 2017

Why Experience Matters

Do not make the mistake of placing your real estate affairs in the hands of an inexperienced agent. In red hot real estate markets, it seems that everyone wants to be a Realtor. After one rainy day of binge-watching HGTV, people start to believe that anyone can flip a house and make a fortune. It all looks so easy on TV, but in reality, it is not.

A successful career in real estate requires knowledge, hard work, formidable people skills, and EXPERIENCE!

Sure – we have all gone to school and earned our credentials, but the real training in this business comes on-the-job. It is the oldest way to learn and still the best.

As experienced Calgary Realtors and business people, we bring to the table everything we have learned through hundreds of unique transactions. Our clients today are the direct beneficiaries of our years developing a “feel” for real estate and fine-tuning our negotiating skills.

We also bring along our network of proven professionals – appraisers, lending officers, contractors, and home inspectors. We know who is good at their job and who is not, as well as who can be counted upon to move quickly when time is of the essence.

The HGTV fans can easily get the impression that real estate is just a fun exercise in matchmaking – nothing more than bringing buyers and sellers together and hoping for a match. In reality, there is so much more to a Realtor’s job, especially in the Calgary real estate market where excellence is expected in each and every transaction.

We know from experience how to make sure our sellers reap the highest and best price for their property – even when that involves looking them in the eye and advising that their property is not worth what they thought it was. We know from experience that we should introduce our buyers to a neighbourhood not on their wish list but worth investigating.

And we know from experience how to whittle down a long list of home inspection deficiencies that leaves our client satisfied while getting the deal done.

Experienced Realtors tend to have more resources – including advertising funds, state-of-the-art digital photography equipment, and administrative support. Perhaps most importantly, experience breeds confidence – an essential tool of successful Realtors and all business professionals. If you do choose to work with an inexperienced agent, make sure he or she has the full backing of an experienced broker and team of professionals.

Experience is not the only factor when it comes to selecting a Realtor, but it certainly belongs at the top of the list. Many real estate transactions start out simple before taking some tricky turns. Make sure your Realtor has the experience needed to help keep your goals and dreams on track.

 

Are you looking to Sell or Buy a home in Calgary and need someone who won’t rest until you’ve found your dream home or until your home is sold? I’ll work hard to earn your trust and to deliver exactly what you need. Contact me at 403-589-0004 or at TheHowardTeam.net.

About Bryon Howard

Bryon Howard and his team of Calgary real estate professionals sell an average of two homes a week. He is a member of the MLS Million Point Club, which ranks him roughly in the top 1% of productive realtors in Calgary. His aim is not just to please clients but to help them buy/sell a home in Calgary at the best price, in the shortest time, and with the least hassle. He is a member of the RE/MAX House of Real Estate that leads in the Canadian market. Learn more about Bryon at TheHowardTeam.net.


Bryon Howard, RE/MAX House of Real Estate
20, 2439 54 Ave SW, Calgary, Alberta, T3E 1M4
Tel: 403-287-3880 (Re/Max) or 403-475-7368 (office) Fax: 403-287-3876 or 403-276-8049 (office)
The data included on this website is deemed to be reliable, but is not guaranteed to be accurate by the Calgary Real Estate Board
MLS® MLS REALTOR® Realtor
Trademarks used under license from CREA