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	<title>Ewing Anderson, P.S.</title>
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		<title>EWING ANDERSON STEPS INTO THE REALM OF VIRTUAL MARKETING</title>
		<link>http://ewinganderson.com/?p=156</link>
		<comments>http://ewinganderson.com/?p=156#comments</comments>
		<pubDate>Tue, 27 Jul 2010 04:28:23 +0000</pubDate>
		<dc:creator>Noel Pitner</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[Facebook]]></category>
		<category><![CDATA[LinkedIn]]></category>
		<category><![CDATA[Twitter]]></category>

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		<description><![CDATA[Ewing Anderson is following the trend of the present, and more importantly, the future, by venturing into the realm of internet marketing.  The firm has recently started a Twitter page which can be viewed at http://twitter.com/ewinganderson.  The firm will also continue to operate, update and expand its Facebook page, which is available at http://www.facebook.com/pages/Spokane-WA/Ewing-Anderson/402450315400. In [...]]]></description>
			<content:encoded><![CDATA[<p style="text-align: left">Ewing Anderson is following the trend of the present, and more importantly, the future, by venturing into the realm of internet marketing.  The firm has recently started a Twitter page which can be viewed at <a href="http://twitter.com/ewinganderson">http://twitter.com/ewinganderson</a>.  The firm will also continue to operate, update and expand its Facebook page, which is available at <a href="http://www.facebook.com/pages/Spokane-WA/Ewing-Anderson/402450315400">http://www.facebook.com/pages/Spokane-WA/Ewing-Anderson/402450315400</a>. In addition, the attorneys of Ewing Anderson are continuing to expand their connections to others via personal Twitter accounts, Facebook pages, and LinkedIn profiles.  There are now a multitude of ways to contact, connect and simply keep up on the activities of the members of Ewing Anderson as it and they venture deeper into the 21<sup>st</sup> century.</p>
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		<title>Firm Members Help Make Undergraduate Mock Trial Regional Competition A Success</title>
		<link>http://ewinganderson.com/?p=151</link>
		<comments>http://ewinganderson.com/?p=151#comments</comments>
		<pubDate>Mon, 22 Feb 2010 17:26:40 +0000</pubDate>
		<dc:creator>Patrick Delfino</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[Ewing Anderson]]></category>
		<category><![CDATA[Judge]]></category>
		<category><![CDATA[Mock Trial]]></category>

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		<description><![CDATA[For the first time in the 25 year history of the American Mock Trial Association, Spokane was host to the Pacific Northwest Regional Tournament held February 19-21, 2010.  The tournament was jointly hosted by Eastern Washington University and Washington State University and was held at the Riverpoint Campus in downtown Spokane.  The competition was attended [...]]]></description>
			<content:encoded><![CDATA[<p>For the first time in the 25 year history of the American Mock Trial Association, Spokane was host to the Pacific Northwest Regional Tournament held February 19-21, 2010.  The tournament was jointly hosted by Eastern Washington University and Washington State University and was held at the Riverpoint Campus in downtown Spokane.  The competition was attended by teams from EWU, WSU, University of Washington, Gonzaga University, Portland State, University of Portland, Central Washington University, Weber State, Stanford and University  of California-Berkeley.</p>
<p>The American Mock Trial Association was created to facilitate intercollegiate competition among over 300 universities across the nation.  Students who compete in the competitions present a prepared case to a panel of judges, with the students having to prepare both witness and attorney roles.</p>
<p>As anyone involved in Mock Trial knows, no competition can be a success without the willingness of attorneys and legal professionals to volunteer their time to act as judges, and in some ways, mentors, for these up and coming future lawyers.  The attorneys at Ewing Anderson, P.S. graciously did just that.</p>
<p>Brad Smith, Connie Shields, and Marla Hoskins all judged a round of the competition, while Larry Mundahl graciously agreed to judge two rounds.  Kent  Doll went above and beyond the call of duty while agreeing to judge all four rounds of the competition.  Noel J. Pitner, who is also a long-time coach of the EWU mock trial team, split his time at the competition between judging and assisting in the operation of the tournament itself.</p>
<p>As always, the attorneys of Ewing Anderson, P.S. showed yet again why they are repeatedly recognized as one of the firms most willing to give their time back to the community and to the legal profession.</p>
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		<title>Noel Pitner becomes a Principal in the Firm</title>
		<link>http://ewinganderson.com/?p=144</link>
		<comments>http://ewinganderson.com/?p=144#comments</comments>
		<pubDate>Fri, 05 Feb 2010 21:00:39 +0000</pubDate>
		<dc:creator>Noel Pitner</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[Ewing Anderson]]></category>
		<category><![CDATA[noel pitner]]></category>
		<category><![CDATA[Shareholder]]></category>

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		<description><![CDATA[Ewing Anderson,P.S. is proud to announce that Noel Pitner, previously an outstanding Associate Attorney with the firm, has joined  our other Principals as a shareholder. His practice will continue to center on criminal law, civil litigation, personal injury, and commercial and business  law, including creditor-debtor relations and bankruptcy. Noel is licensed to practice in [...]]]></description>
			<content:encoded><![CDATA[<p>Ewing Anderson,P.S. is proud to announce that Noel Pitner, previously an outstanding Associate Attorney with the firm, has joined  our other Principals as a shareholder. His practice will continue to center on criminal law, civil litigation, personal injury, and commercial and business  law, including creditor-debtor relations and bankruptcy. Noel is licensed to practice in Washington and Idaho.</p>
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		<title>Idaho Supreme Court Overrules Emery – Attorneys Fees No Longer Awarded In Insurance Arbitration Proceedings</title>
		<link>http://ewinganderson.com/?p=135</link>
		<comments>http://ewinganderson.com/?p=135#comments</comments>
		<pubDate>Fri, 05 Feb 2010 18:56:48 +0000</pubDate>
		<dc:creator>Brad E. Smith</dc:creator>
				<category><![CDATA[Articles of Interest]]></category>
		<category><![CDATA[Arbitration]]></category>
		<category><![CDATA[Attorney Fees]]></category>
		<category><![CDATA[Idaho Supreme Court]]></category>
		<category><![CDATA[Insurance Law]]></category>

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		<description><![CDATA[On February 1, 2010, the Idaho Supreme Court overruled a twenty year precedent interpreting IC 41-1839 (which mandates awards of attorneys fees in “civil actions” involving insurance coverage matters) to require an award of attorneys fees to successful insureds in arbitration proceedings against their insurers, even if the policy was silent on such awards.
In Grease [...]]]></description>
			<content:encoded><![CDATA[<p>On February 1, 2010, the Idaho Supreme Court overruled a twenty year precedent interpreting IC 41-1839 (which mandates awards of attorneys fees in “civil actions” involving insurance coverage matters) to require an award of attorneys fees to successful insureds in arbitration proceedings against their insurers, even if the policy was silent on such awards.</p>
<p>In <span style="text-decoration: underline;">Grease Spot, Inc. v. Harnes</span>, 10.3 ISCR 91 (oddly enough, not even an insurance case), the Supreme Court overruled <span style="text-decoration: underline;">Emery v. United Pacific Ins. Co</span>, 120 Idaho 244, 815 P.2d 442 (1991), stating it was inconsistent to interpret IC 41-1839 as allowing arbitration attorneys fees, while prohibiting such fees under IC 12-120(3), which mandates fees in “commercial transactions”.</p>
<p>In <span style="text-decoration: underline;">Grease Spot</span>, a dispute over a purchase agreement of a small company, the parties arbitrated pursuant to a specific provision in the agreement that provided for arbitration, but contained no language regarding an award of fees.  The successful party in the arbitration, in confirming the award, moved for attorneys fees as well, which were denied by the District Court.</p>
<p>On appeal, the Appellant argued it was inconsistent and unfair to award insureds attorneys fees in arbitrations, but deny them to other arbitrating parties.  The Supreme Court agreed, but instead of awarding them fees, it overturned <span style="text-decoration: underline;">Emery</span>, which for 20 years had read into “every insurance contract a provision granting the insured attorney fees incurred during arbitration when seeking payments due under an insurance policy.”  <span style="text-decoration: underline;">Emery, </span>supra, at 445.</p>
<p>The impact of the Court’s ruling in <span style="text-decoration: underline;">Grease Spot</span> means that in arbitrations between insurers and insureds over the coverage provided under their policies (ie: UIM and PIP proceedings), as long as the policy does not provide for an award of attorneys fees, then the insured is not  entitled to fees even if they prevail.</p>
<p>Given this sea change in the law, insurers should examine their Idaho policies and decide whether to revert back to arbitration-only provisions in first-party disputes.  Many companies revised their UIM and PIP policy language to avoid arbitration due to perceived high costs and liberal decisions (especially in Washington, where attorney fees for all prevailing insureds in UIM proceedings are mandated).  At least in Idaho, mandatory arbitration provisions should now be reconsidered.</p>
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		<title>Bankruptcies soaring across Washington State</title>
		<link>http://ewinganderson.com/?p=119</link>
		<comments>http://ewinganderson.com/?p=119#comments</comments>
		<pubDate>Thu, 26 Nov 2009 22:58:37 +0000</pubDate>
		<dc:creator>Noel Pitner</dc:creator>
				<category><![CDATA[Articles of Interest]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[Ewing Anderson]]></category>
		<category><![CDATA[noel pitner]]></category>

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		<description><![CDATA[Noel Pitner, an attorney with the firm was interviewed recently by KXLY TV 11 o&#8217;clock news about the soaring rate of bankruptcies in Washington State and across the nation.  Noel&#8217;s bankruptcy client gave a human face to the real-world problems facing many middle class families.  View the full article for the video.

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			<content:encoded><![CDATA[<p>Noel Pitner, an attorney with the firm was interviewed recently by KXLY TV 11 o&#8217;clock news about the soaring rate of bankruptcies in Washington State and across the nation.  Noel&#8217;s bankruptcy client gave a human face to the real-world problems facing many middle class families.  View the full article for the video.</p>
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		<title>Marla Carey Hoskins Expands Practice To Include Family Law Mediation</title>
		<link>http://ewinganderson.com/?p=117</link>
		<comments>http://ewinganderson.com/?p=117#comments</comments>
		<pubDate>Fri, 23 Oct 2009 17:21:06 +0000</pubDate>
		<dc:creator>Marla Carey Hoskins</dc:creator>
				<category><![CDATA[Articles of Interest]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Divorce]]></category>
		<category><![CDATA[Family Law]]></category>
		<category><![CDATA[mediation]]></category>
		<category><![CDATA[Parenting Plans]]></category>

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		<description><![CDATA[Marla Carey Hoskins has been practicing in the area of family law for 12 years. She also serves as a Commissioner Pro Tem for Spokane County Superior Court. She has represented numerous clients in mediations as well as having acted as a mediator when serving as a Commissioner Pro Tem on the parenting conference docket. Marla received [...]]]></description>
			<content:encoded><![CDATA[<p class="Normal12" style="0in 0in 0pt;"><span style="small;"><span style="Times New Roman;">Marla Carey Hoskins has been practicing in the area of family law for 12 years.<span style="yes;"> </span>She also serves as a Commissioner Pro Tem for Spokane County Superior Court.<span style="yes;"> </span>She has represented numerous clients in mediations as well as having acted as a mediator when serving as a Commissioner Pro Tem on the parenting conference docket.<span style="yes;"> </span>Marla received formal training when she attended the Basic 40 Hour Mediation Training offered through Northwest Mediation Center. Earlier this year, she was added to the Family Law Mediator List pursuant to Spokane County Local Rule 94.04(12).<span style="yes;"> </span>She has expanded her practice to include mediation in all areas of family law including divorce and property distribution, parenting plans and child support issues.</span></span></p>
<p class="Normal12" style="0in 0in 0pt;"><span style="Times New Roman;"> Mediation in the area of family law in Spokane County has increased over the last several years.<span style="yes;"> </span>Pursuant to Local Rule 94.04 (12) mediation is required in all cases involving parenting plans and a certificate of participation in mandatory parenting conference/mediation must be filed 30 days before trial.<span style="yes;"> </span>In the past, parties could attend a parenting conference with a Court Commissioner in order to meet this requirement which is now no longer an option.<span style="yes;"> </span>Marla is available to provide mediation services to meet this requirement.<span style="yes;"> </span>Appointments for mediation can be scheduled by contacting our offices. </span></p>
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		<title>WASHINGTON SUPREME COURT EXPANDS WRONGFUL DEATH ACTION BENEFICIARIES</title>
		<link>http://ewinganderson.com/?p=113</link>
		<comments>http://ewinganderson.com/?p=113#comments</comments>
		<pubDate>Fri, 18 Sep 2009 17:27:33 +0000</pubDate>
		<dc:creator>Brad E. Smith</dc:creator>
				<category><![CDATA[Articles of Interest]]></category>
		<category><![CDATA[damages]]></category>
		<category><![CDATA[personal injury]]></category>
		<category><![CDATA[supreme court]]></category>
		<category><![CDATA[wrongful death]]></category>

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		<description><![CDATA[On September 10, 2009, the Washington Supreme Court handed down the case of Armantrout v. Carlson. In that case, the Supreme Court clarified/expanded the class of beneficiaries who can bring a wrongful death action for the death of an adult child. 
Pursuant to RCW 4.20.020, two “tiers” of beneficiaries are established in a wrongful death [...]]]></description>
			<content:encoded><![CDATA[<p class="MsoNormal" style="28.05pt 56.1pt"><span style="Times New Roman">On September 10, 2009, the Washington Supreme Court handed down the case of <em><span style="underline">Armantrout v. Carlson</span></em>. In that case, the Supreme Court clarified/expanded the class of beneficiaries who can bring a wrongful death action for the death of an adult child. </span></p>
<p class="MsoNormal" style="28.05pt 56.1pt"><span style="small"><span style="Times New Roman">Pursuant to RCW 4.20.020, two “tiers” of beneficiaries are established in a wrongful death suit. The first includes the descendant’s “wife, husband, child or children”. If there are no first tier beneficiaries, the action may be “maintained for the benefit of the parents, sisters, or brothers, <span style="underline">who may be dependant upon the deceased person for support</span>”.</span></span></p>
<p class="MsoNormal" style="28.05pt 56.1pt"><span style="small"><span style="Times New Roman">Prior to this most recent decision, Washington courts have required that to show “dependence”, required more than “emotional support”, but usually required some financial, monetary contribution by the adult to the parents or other beneficiaries. See <em><span style="underline">Philippides v. Bernard</span></em>, 151 W.2d 376 (2004). </span></span></p>
<p class="MsoNormal" style="28.05pt 56.1pt"><span style="small"> <span style="Times New Roman">However, in <em>Armantrout</em> the court expanded or, at the minimum, clarified the “support” required to be proven in order to qualify for the right to bring a wrongful death action. At the time of her death, Kristen Armantrout was 18 and living at home with her mother. She died, arguably due to medical malpractice at the hands of the defendant. Kristen’s mother had diabetes and was blind. Kristen provided her mother with a variety of services, acting as her mother’s driver and reader, and also helped her mother with medical needs such as glucose readings and insulin injections. At trial, testimony showed the value of those services was around $36,000 per year. Kristen also contributed her own $588 monthly disability benefits check to the household expenses. </span></span></p>
<p class="MsoNormal" style="28.05pt 56.1pt"><span style="small"> <span style="Times New Roman">At trial, the jury found that the Armantrout’s were substantially financially dependant on Kristen for support, and awarded them $1.15 million dollars.</span></span></p>
<p class="MsoNormal" style="28.05pt 56.1pt"><span style="small"> <span style="Times New Roman">The Court of Appeals reversed, holding that the trial court’s instruction allowed the jury to improperly value services, as opposed to actual financial contributions for support.</span></span></p>
<p class="MsoNormal" style="28.05pt 56.1pt"><span style="small"> <span style="Times New Roman">The Washington Supreme Court, in a unanimous decision, reversed the Court of Appeals and reinstated the jury’s verdict. In so doing, it held that RCW 4.20.020 was not limited purely to monetary contributions, but allowed substantial support through <span style="underline">services</span>, not ordinarily given by a child to their parents, to be considered by the jury to determine whether parents were “financially dependant” upon their children. </span></span></p>
<p class="MsoNormal" style="28.05pt 56.1pt"><span style="small"><span style="Times New Roman">The Court reiterated that emotional dependency is not sufficient under the statute to show support, and also that dependency could not be established based upon those normal services that a child might provide for their elderly parents.</span></span></p>
<p class="MsoNormal" style="28.05pt 56.1pt"><span style="small"><span style="Times New Roman">However, this will almost always create a <span style="underline">factual question</span> in these cases, requiring the jury to determine whether an adult child’s “services” are sufficient enough to create “dependency”. For example, if an adult child goes to his elderly parent’s home and mows the lawn once a week every summer, is that “financial dependency”? Many adult children help their elderly parents with transportation needs, or with financial matters such as balancing the checkbook. Are these services enough to create “financial dependency”?</span></span></p>
<p class="MsoNormal" style="28.05pt 56.1pt"><span style="small"><span style="Times New Roman">The <em><span style="underline">Armantrout v. Carlson</span></em> decision will probably increase the number of claims brought by adults or siblings for “dependency” upon adult children who are tragically killed due to the negligence of another. In most cases, it will probably be a question of fact, not resolvable by summary judgment, as to the level of “financial dependency”. </span></span></p>
<p class="MsoNormal" style="28.05pt 56.1pt"><span style="small"><span style="Times New Roman">Remember, the establishment of financial dependency is only to <span style="underline">qualify</span> the second tier beneficiaries to have a right for wrongful death. After they “qualify”, they are entitled to all those wrongful death damages as would a first tier beneficiary. In other words, they can recover more than the value of the financial services lost, but also those for the loss of their relationship with the adult child. In other words, the elderly parents of Kristen Armantrout lost the value of approximately $36,000 per year, but received a much larger jury verdict of $1.15 million dollars, representing all their damages.</span></span></p>
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		<title>Kent Doll Elected to Leadership Role with the Spokane County Bar Association Young Lawyers Division</title>
		<link>http://ewinganderson.com/?p=109</link>
		<comments>http://ewinganderson.com/?p=109#comments</comments>
		<pubDate>Tue, 07 Jul 2009 21:49:59 +0000</pubDate>
		<dc:creator>Patrick Delfino</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[Kent Doll]]></category>
		<category><![CDATA[spokane]]></category>
		<category><![CDATA[trustee]]></category>
		<category><![CDATA[young lawyers division]]></category>

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		<description><![CDATA[On June 22, 2009, Kent Doll was elected to a trustee position with the SCBA Young Lawyers Division. The Spokane County Bar Association Young Lawyers Division focuses on getting young lawyers involved in the Spokane community. Congratulations Kent!
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			<content:encoded><![CDATA[<p>On June 22, 2009, Kent Doll was elected to a trustee position with the SCBA Young Lawyers Division. The Spokane County Bar Association Young Lawyers Division focuses on getting young lawyers involved in the Spokane community. Congratulations Kent!</p>
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		<title>Federal and State Governments Pass Laws to Protect Renters of Foreclosed Properties</title>
		<link>http://ewinganderson.com/?p=107</link>
		<comments>http://ewinganderson.com/?p=107#comments</comments>
		<pubDate>Tue, 30 Jun 2009 20:53:35 +0000</pubDate>
		<dc:creator>Noel Pitner</dc:creator>
				<category><![CDATA[Articles of Interest]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[landlord]]></category>
		<category><![CDATA[tenant]]></category>

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		<description><![CDATA[On May 20, 2009, President Obama signed into federal law a bill containing provisions protecting tenants living in foreclosed buildings. (The Protecting Tenants in Foreclosure Act is Title VII of Public Law 111-22). Specifically, the new law requires if a home/building that is currently occupied by renters goes into foreclosure and is subsequently purchased by [...]]]></description>
			<content:encoded><![CDATA[<p class="MsoNormal" style="justify;"><span style="black;"><span style="Times New Roman;">On May 20, 2009, President Obama signed into federal law a bill containing provisions protecting tenants living in foreclosed buildings. (The Protecting Tenants in Foreclosure Act is Title VII of Public Law 111-22).<span style="yes;"> </span>Specifically, the new law requires if a home/building that is currently occupied by renters goes into foreclosure and is subsequently purchased by a new buyer, the buyer must (1) provide legal tenants of the property ninety (90) days notice before they can be evicted; and (2) allow tenants with leases to occupy the property until the end of the lease (unless the buyer is planning on living in the property; then the buyer must provide the tenants at least ninety (90) days notice before eviction.)<span style="yes;"> </span>This law went into effect as of May 20, 2009.<span style="yes;"> </span>See </span><a href="http://www.nilhc.com/"><span style="Times New Roman;">www.NILHC.com</span></a><span style="small;"><span style="Times New Roman;"> for more information.</span></span></span></p>
<p class="MsoNormal" style="justify;"><span style="black;"><span style="Times New Roman;"> On the state level, Washington passed a similar law that goes into effect July 26, 2009.<span style="yes;"> </span>Specifically, under Law </span></span><a href="http://www.nlihc.org/doc/S-896.pdf"><span style="#002131;"><span style="Times New Roman;">S. 896</span></span></a><span style="small;"><span style="Times New Roman;"> (PL 111-22), <span style="EN;" lang="EN">any residential tenant occupying property at the time the property is foreclosed must be given 60 days written notice before an eviction can occur. During this 60 days, the only reasons landlord could expedite removal of the tenant would include the tenant committing waste to the property or creating a nuisance. See <a href="http://apps.leg.wa.gov/billinfo/summary.aspx?bill=5810&amp;year=2009">http://apps.leg.wa.gov/billinfo/summary.aspx?bill=5810&amp;year=2009</a> for a complete copy of the passed law.</span></span></span></p>
<p class="MsoNormal" style="justify;"><span style="EN;" lang="EN"><span style="Times New Roman;"> It is still unclear how the state law and the federal law will mesh with each other.<span style="yes;"> </span>Anyone who has questions regarding the details of the federal/state law(s) should contact either an attorney or professional in the real estate field for assistance.</span></span></p>
<p class="MsoNormal" style="0in 0in 0pt;"><span style="Times New Roman;"> </span></p>
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		<title>Unsatisfactory Settlement Offers Top Reason why Individuals File Complaints Against their Insurance Companies.</title>
		<link>http://ewinganderson.com/?p=98</link>
		<comments>http://ewinganderson.com/?p=98#comments</comments>
		<pubDate>Wed, 03 Jun 2009 15:48:05 +0000</pubDate>
		<dc:creator>Kent Neil Doll, Jr.</dc:creator>
				<category><![CDATA[Articles of Interest]]></category>
		<category><![CDATA[Automobile claims]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Insurance commissioner]]></category>

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		<description><![CDATA[According to a report recently released by the Washington Insurance Commissioner’s Office, unsatisfactory settlement offers were the top reason Washington residents filed complaints against their insurance companies in 2008. Other top reasons included denial of claims and delays in processing claims. Additionally, the report noted that the Insurance Commissioner’s Office received some 5,341 complaints in [...]]]></description>
			<content:encoded><![CDATA[<p class="MsoNormal" style="0in 0in 0pt;"><span style="Times New Roman;">According to a report recently released by the Washington Insurance Commissioner’s Office, unsatisfactory settlement offers were the top reason Washington residents filed complaints against their insurance companies in 2008. Other top reasons included denial of claims and delays in processing claims. Additionally, the report noted that the Insurance Commissioner’s Office received some 5,341 complaints in 2008. </span></p>
<p class="MsoNormal" style="0in 0in 0pt;"><span style="Times New Roman;">The following is a breakdown of the numbers provided by the Insurance Commissioner’s Office.</span><strong><span style="Times New Roman;"> </span></strong></p>
<p class="MsoNormal" style="0in 0in 0pt;"><span style="small;"><span style="Times New Roman;"><strong>Top three reasons for </strong><strong>complaints<strong> in 2008:</strong></strong></span></span><span style="bold;"><br />
<span style="small;"><span style="Times New Roman;">Unsatisfactory settlement/offer &#8211; 24.5%<br />
Denial of claim &#8211; 23.8%<br />
Delays &#8211; 22.1%</span></span></span></p>
<p><strong>Top complaints by type of coverage in 2008:</strong><br />
Auto &#8211; 42.1%<br />
Accident and health &#8211; 30.1%<br />
Homeowners &#8211; 13.1%</p>
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