GLOBAL SUB-PRIME CRISIS

BANKILEAKS

Click on our Secret Library of Evidence ------>

    BANKILEAKS Secret Library

Loan Application Forms (LAF's)  

    Bank Emails to Brokers  

    Then Click on 'VIEW NOTEBOOK'

Join us on facebook
 

facebook3           facebook2 

BFCSA
MORTGAGE
DISTRESS SOS

What BFCSA Does...

BFCSA investigates fraud involving lenders, spruikers and financial planners worldwide.  Full Doc, Low Doc, No Doc loans, Lines of Credit and Buffer loans appear to be normal profit making financial products, however, these loans are set to implode within seven years.  For the past two decades, Ms Brailey, President of BFCSA (Inc), has been a tireless campaigner, championing the cause of older and low income people around the Globe who have fallen victim to banking and finance scams.  She has found that people of all ages are being targeted by Bankers offering faulty lending products. BFCSA warn that anyone who has signed up for one of these financial products, is in grave danger of losing their home.

Visitors

Articles View Hits
388907

Whistleblowers' Corner!

To all mortgage brokers, BDMs and loan approval officers! 
Pls Call Denise: 0401 642 344 

"Confidentiality is assured."

Cartoon Corner

Lighten your load today and "Laugh all the way to the bank!"

BFCSA Blog

Led by award-winning consumer advocate Denise Brailey, BFCSA (Inc) are a group of people who are concerned about the appalling growth of Loan Fraud around the world. BFCSA (Inc) is a not for profit organisation in the spirit of global community concern and justice.

Click on the Cluster Map.

  • Home
    Home This is where you can find all the blog posts throughout the site.
  • Categories
    Categories Displays a list of categories from this blog.
  • Bloggers
    Bloggers Search for your favorite blogger from this site.
  • Login
    Login Login form
Recent blog posts
Former ANZ trader 'threatened' by bank over rate-rigging scandal RN 29 July 2016 By Mario Christodoulou for Background Briefing Posted about 5 hours ago Fri 29 Jul 2016, 5:22am   http://www.abc.net.au/news/2016-07-29/former-anz-trader-threatened-by-bank-over-rate-rigging-scandal/7669266   A former ANZ trader says he was threatened and told he would be made a scapegoat over a rate-rigging scandal that has dragged in Australia's biggest banks. Key points: ANZ sacked Etienne Alexiou as part of a probe into rate-rigging allegations The bank says he sent offensive messages on an internal system Mr Alexiou says he is being made a scapegoat to protect ANZ's interests In court documents he says he was helping ASIC before his sacking The trader, Etienne Alexiou, said he believed he was dismissed as part of a strategy by ANZ to manage the fallout from allegations it tried to rig a key interest rate called the bank bill swap reference rate (BBSW). "ANZ had previously...
Last modified on
Hits: 8 0 Comments
Rate this blog entry:
0
Continue reading
Westpac, NAB won’t rule out fee hikes after High Court decision   27 July 2016 updated 28 July 2016 http://thenewdaily.com.au/money/finance-news/2016/07/27/westpac-nab-fee-hikes/   Westpac and National Australia Bank are refusing to rule out hiking late payment fees on credit cards after a High Court decision cleared the way for banks to set fees arbitrarily. The High Court on Wednesday dismissed an appeal by Maurice Blackburn on behalf of more than 40,000 ANZ credit card customers who alleged the bank had forced them to pay “exorbitant” and “unconscionable” late fees. The decision brings to an end a six-year legal battle that could have resulted in customers recovering up to $500 million in late fees collected by the major banks. In response to written questions submitted by The New Daily, Westpac refused to rule out fee hikes for customers who were late paying their monthly credit card bills. “Westpac keeps all of its fees constantly...
Last modified on
Hits: 9 0 Comments
Rate this blog entry:
0
Continue reading
Salt: You don’t have a house ’cause you are lazy   By Unconventional Economist in Australian Property at 10:17 am on July 28, 2016 By Leith van Onselen http://www.macrobusiness.com.au/2016/07/salt-you-dont-have-a-house-cause-you-are-lazy/   KPMG’s Bernard Salt has continued the war on youth, posting a diatribe today claiming that young Australians cannot buy homes because they are lazy. From The Australian: Fairy tales too are extraordinarily popular with some… This is the idea that the reason you don’t have a house isn’t because of a lack of effort on your part. It’s not even because of the way the system is structured… The reason why you don’t have a house, my lovely, is because a greedy ogre has gobbled up all the housing and has left nothing for you. We call this ogre “baby boomer”. What is required of course is a transfer of sorts from the greedy-ogre baby boomer to the sublime-innocents who follow....
Last modified on
Hits: 8 0 Comments
Rate this blog entry:
0
Continue reading
No need to be a rocket scientist to know why phase 2 of the AML act was never introduced.....looks as if not just in Australia either! What’ll Suffocate these Housing Bubbles: US Government Mucks up Money-Laundering in Real Estate by Wolf Richter • July 27, 2016 http://wolfstreet.com/2016/07/27/us-government-money-laundering-real-estate-housing-bubbles-ny-miami-san-francisco-silicon-valley-los-angeles/   Manhattan and Miami already get mauled. Now expanding to San Francisco, Silicon Valley, Southern California, even Texas! Cash sales of homes – mostly the domain of foreign and affluent buyers – fell to 32% of total home sales in April, down 2.8 percentage points from a year ago, according to a new report from CoreLogic. For the first four months, cash sales dropped to 34%, the lowest since 2008. In Florida, the number one destination for foreign homebuyers, cash sales accounted for 46% of sales, and in New York, for 44%, both decreasing as well. The “strong dollar” and “global uncertainty” were blamed....
Last modified on
Hits: 8 0 Comments
Rate this blog entry:
0
Continue reading
One thing both sides want: break up the banks, again ANALYSIS July 26 2016 - 6:52PM Andrew Ross Sorkin http://www.smh.com.au/business/world-business/one-thing-both-sides-want-break-up-the-banks-again-20160726-gqe0lq.html  Could the Glass-Steagall Act – the Depression-era legislation that forced the separation of investment banking from commercial banking, among other things – be coming back?  In an extremely odd US political dovetail, both the Democratic and the Republican platforms include planks that call for the restoration of the landmark 1933 law. Glass-Steagall aimed to protect the common folk who deposited money in their banks for safekeeping, and ordered that those banks decouple themselves from the business of placing the type of speculative stockmarket bets that caused the great crash of 1929.  For decades, that law was a bedrock principle on Wall Street, where the peanut butter of lending and deposit-taking never mixed (legally) with the chocolate of playing the market. That bedrock was smashed in 1999, however, when the Gramm-Leach-Bliley Act...
Last modified on
Hits: 8 0 Comments
Rate this blog entry:
0
Continue reading
Did Jamie Dimons’ secret meetings with competitors violate anti-trust laws?   By Pam Martens and Russ Martens: July 22, 2016 http://wallstreetonparade.com/2016/07/did-jamie-dimons-secret-meetings-with-competitors-violate-antitrust-laws/   A mere three months after JPMorgan Chase and three of its competitors (Citicorp, Barclays and the Royal Bank of Scotland) pleaded guilty to a felony charge of conspiring to rig foreign currency trading and paid criminal fines totaling over $2.5 billion, the CEO of JPMorgan Chase, Jamie Dimon, began meeting in secret with his competitors in the asset management field. On February 1 of this year, the Financial Times reported that “secret summits” had been held beginning in August 2015 between “asset management bosses” including Jamie Dimon, Abby Johnson of Fidelity, Larry Fink of BlackRock, and Tim Armour of Capital Group. The article went on to report that Dimon and Warren Buffett had convened the sessions at JPMorgan’s headquarters in New York to discuss “a statement of best practice...
Last modified on
Hits: 8 0 Comments
Rate this blog entry:
0
Continue reading
The Financial Ombudsman, a fair service? a Journalist 26 May 2015 https://www.opendemocracy.net/ourkingdom/financial-ombudsman-and-its-service   The Financial Ombudsman Service (FOS) is a body that investigates financial complaints about regulated firms and can award compensation of up to £150 000. Yet, it is characterised, at least in the internet, as much by complaints about it, as by those made to it. The allegations include evidence, laws and facts being ignored, as well as unfair arguments, all of which swing complaints one way or the other. There is evidently also a tendency to reject or support a complaint totally, rather than award in terms of contributory negligence. With many financial complaints, the truth is somewhere between the two extremes, so that partial compensation should be common as well. Additionally, there are frequent claims of incompetence, unintentional or otherwise. The latter refers to “deliberately getting the wrong end of the stick”, as one person expressed it. ...
Last modified on
Hits: 8 0 Comments
Rate this blog entry:
0
Continue reading
Japan’s “Helicopter Money” Play: Road to Hyperinflation or Cure for Debt Deflation? Posted on July 25, 2016 by Ellen Brown   https://ellenbrown.com/2016/07/25/japans-helicopter-money-play-road-to-hyperinflation-or-cure-for-debt-deflation/   Fifteen years after embarking on its largely ineffective quantitative easing program, Japan appears poised to try the form recommended by Ben Bernanke in his notorious “helicopter money” speech in 2002. The Japanese test case could finally resolve a longstanding dispute between monetarists and money reformers over the economic effects of government-issued money. When then-Fed Governor Ben Bernanke gave his famous helicopter money speech to the Japanese in 2002, he was talking about something quite different from the quantitative easing they actually got and other central banks later mimicked. Quoting Milton Friedman, he said the government could reverse a deflation simply by printing money and dropping it from helicopters. A gift of free money with no strings attached, it would find its way into the real economy and trigger...
Last modified on
Hits: 7 0 Comments
Rate this blog entry:
0
Continue reading
ABC cleared of 'anti-business' bias in independent review  22 July 2016 Matthew Knott  http://www.smh.com.au/business/media-and-marketing/abc-cleared-of-antibusiness-bias-in-independent-review-20160722-gqbp68.html    Former ANZ bank boss Mike Smith says he has rethought his negative perceptions of the ABC  The ABC has been cleared of systemic "anti-business" bias in a major review of its coverage, with former ANZ boss Mike Smith confessing he has rethought his negative perceptions of the broadcaster.  The independent editorial review, for which Mr Smith was a key adviser, has been one of the broadcaster's most comprehensive yet.  As well as analysing a week's worth of ABC programming, the review included interviews with ABC business staff and submissions from business groups, think-tanks and unions.       Former ANZ bank boss Mike Smith says he has rethought his negative perceptions of the ABC. Fairfax Media understands the review, which has not been released publicly, is overwhelmingly positive about the ABC's coverage overall while making some criticisms...
Last modified on
Hits: 7 0 Comments
Rate this blog entry:
0
Continue reading
Another home ownership inquiry waste   By Unconventional Economist in Australian Property at 9:31 am on July 27, 2016 By Leith van Onselen   Why do they even bother? Over the past 13 years, almost every government at every level has undertaken a “home ownership” or “housing affordability” inquiry, received thousands of submissions, written thousands of pages, with absolutely zero results. They waste everybody’s time and nothing ever changes. Australia’s housing policy remains as dysfunctional as ever. Housing affordability continues to push new lows. And home ownership rates among younger Australians continue to collapse, as evidenced by the release last week of the latest Household, Income and Labour Dynamics in Australia (HILDA) survey:     In May last year, the parliamentary Standing Committee on Economics launched the latest “Home Ownership Inquiry”, whose terms of reference included: ·         current rates of home ownership; ·         demand and supply drivers in the housing market;...
Last modified on
Hits: 17 0 Comments
Rate this blog entry:
0
Continue reading
The pipeline of units under construction reaches a record high by Cameron Kusher 25 July 2016 http://www.macrobusiness.com.au/2016/07/pipeline-of-units-under-construction-hits-record-high/ Core Logic’s Cameron Kusher has published an interesting post examining dwelling construction trends at the national level, which shows that the construction of units is tracking at record highs with more in the pipeline: At the end of March 2016 there were 215,863 dwellings under construction nationally, 63,414 of which were houses and 152,449 which were units…     While the number of dwellings under construction is at record highs we are also seeing an elevated number of houses and units which have been approved for construction but not yet commenced. At the end of March 2016 there were 8,817 houses and 24,175 units which had been approved for construction but not yet commenced…     The record-high number of dwellings under construction and the continuing strong pipeline of approvals should ensure that there...
Last modified on
Hits: 7 0 Comments
Rate this blog entry:
0
Continue reading
Morrison continues negative gearing lies   By Unconventional Economist in Australian Property at 10:25 am on July 27, 2016 | 28 comments http://www.macrobusiness.com.au/2016/07/morrison-continues-negative-gearing-lies/   By Leith van Onselen The election may be over, but Australia’s treasurer for the Property Council of Australia, Scott Morrison, has continued running the lie that making changes to negative gearing would disadvantage middle-class families. From SBS News: Treasurer Scott Morrison is sticking to his guns on housing investment tax concessions, saying making changes to negative gearing like those proposed by Labor would disadvantage middle-class families. The treasurer estimates voters split 50/50 on the issue at the July 2 federal election, a result that hasn’t persuaded him to change his mind. “I don’t accept the argument on negative gearing … it would disadvantage those middle-class families, those ordinary families, the vast majority of who are the predominant investors in this area,” Mr Morrison told ABC radio on...
Last modified on
Hits: 7 0 Comments
Rate this blog entry:
0
Continue reading
Dear Prime Minister, I’m an innovation worker and your ‘Plan’ will drive me away by David Collyer 30 June 2016 https://www.prosper.org.au/2016/06/30/dear-prime-minister-im-an-innovation-worker-and-your-plan-will-drive-me-away/   By Matt Ellis reposted from RationalRadical Dear Prime Minister Turnbull, I am writing to belatedly and publicly call your bluff on your so called ‘innovation agenda’, which forms a key plank of your ‘Plan’ for jobs and growth. There are all kinds of reasons to be disappointed with your leadership of this country so far, after promising to establish an honest economic discussion based on evidence, and focused on necessary and long overdue reforms. The speed with which you have retreated from any semblance of honest economic discussion and reform agenda is almost unprecedented in the history of Australian political capitulation, which after recent years is saying something. But the betrayal that leaves the most bitter taste in my mouth is your abandonment of the crucial tax reforms needed...
Last modified on
Hits: 18 0 Comments
Rate this blog entry:
0
Continue reading
Financial Crisis: Malcolm Turnbull Address To Liberal National Party   10 October 2008   http://australianpolitics.com/2008/10/10/financial-crisis-malcolm-turnbull-address-to-queensland-liberal-national-party.html   The Leader of the Opposition, Malcolm Turnbull, has delivered a speech on leadership and action in response to the international economic crisis. He addressed the first annual conference of the newly-formed Liberal National Party in Queensland. This is the transcript of Malcolm Turnbull’s speech: Tonight I will speak about leadership and action in this time of economic crisis but before doing so may I say how delighted I am to be speaking here at the first annual conference of the LNP. Because the formation of the LNP – now the Queensland Division of the Liberal Party of Australia – is a triumph of leadership over indecision. It represents a decision that the conservative forces of Queensland were tired of squabbling over the spoils of Opposition, had recognised that they had failed the people of this...
Last modified on
Hits: 27 0 Comments
Rate this blog entry:
0
Continue reading
Tom Bramble Malcolm Turnbull: smooth salesman for the rich   Australian politics 27 February 2015   https://redflag.org.au/article/malcolm-turnbull-smooth-salesman-rich 27 February 2015     Malcolm Turnbull may present as the “progressive” face of the Liberal Party, but, just as much as Tony Abbott and Joe Hockey, his agenda is one of screwing the working class and rewarding the party’s big business backers. The basis of his support in the Liberal Party is that he will be able to do this more effectively than Abbott and Hockey, thereby saving the political careers of his caucus colleagues.   Turnbull at least makes no bones about this. When asked by shock jock Alan Jones last June whether he supported Hockey’s budget, he said: “I support unreservedly and wholeheartedly every element in the Budget, every single one.” You would expect nothing less from parliament’s wealthiest individual. With a fortune just shy of $200 million, Turnbull will never...
Last modified on
Hits: 22 0 Comments
Rate this blog entry:
0
Continue reading
The world isn't ready for another banking crisis Sydney Morning HeraldJuly 29 2016 5:08AM Satyajit Das   As Europe braces for the release of its bank stress tests, the world could be on the verge of another banking crisis. The signs are obvious to all. The World Bank estimates the ratio of non-performing loans to total gross loans in 2015 reached 4.3 per cent. Before the 2009 global financial crisis, they stood at 4.2 per cent. If anything, the problem is starker now than then: there are more than $US3 trillion ($4 trillion) in stressed loan assets worldwide, compared to the roughly $US1 trillion of US subprime loans that triggered the 2009 crisis. European banks are saddled with $US1.3 trillion in non-performing loans, nearly $US400 billion of them in Italy. The IMF estimates that risky loans in China also total $US1.3 trillion, although private forecasts are higher. India's stressed loans top $US150...
Last modified on
Hits: 17 0 Comments
Rate this blog entry:
0
Continue reading
CBA and Westpac front runners for Australia's biggest banking contract Australian Financial Review Jul 29 2016 6:28 AM Tony Boyd   Westpac Banking Corp and Commonwealth Bank of Australia are the frontrunners to win Australia's biggest single banking contract but NSW Treasury secretary Rob Whitfield is encouraging National Australia Bank and ANZ Banking Group to have a go. Discussions between the government and banks interested in pitching for the contract to supply all government banking services started about two weeks ago even though the existing five year contract does not expire until 2017. One of the key criteria for winning this lucrative contract is being able to help the NSW government transition to a radical new way of managing government finances. NSW Premier Mike Baird wants to abandon the silo approach to fiscal accountability and replace it with a system that will allow collaboration across different departments. Senior executives from Westpac...
Last modified on
Hits: 18 0 Comments
Rate this blog entry:
0
Continue reading
Is Malcolm Turnbull another Goldman Sachs hit man? 7 October 2015 http://cecaust.com.au/releases/2015_10_07_Turnbull_Goldman_Sachs.html Newly sworn in Prime Minister Malcolm Turnbull has a big black mark on his curriculum vitae, in the name of Goldman Sachs, that should ring alarm bells. Goldman Sachs’s influence in government the world over has been a story of misery and economic destruction. This, the most powerful investment bank in the world was in large part responsible for causing the 2007-08 global financial crisis and the current economic crisis in Greece, among other nations; its business model, based on sleight-of-hand, takes from the majority to benefit an elite minority. Instead of growing the economic pie to benefit all, Goldman Sachs chokes funding for productive industries in favour of supporting asset and commodity price inflation. Turnbull made his fortune as Chairman and Managing Director of Goldman Sachs Australia in 1997-2001. BRW magazine estimated his tenure at Goldman Sachs was...
Last modified on
Hits: 40 0 Comments
Rate this blog entry:
0
Continue reading
At the end of this blog I respond to these lies and explain why Mr Turnbull is misleading the Parliament………………….Denise Brailey.   Courageous Mr and Mrs Scanlon lobbied their local Federal Member to raise the issue in the Australian Parliament.     QUESTION Date Monday, 18 April 2016 Source House Page 3722 Proof No Questioner O'Neil, Clare, MP Responder Turnbull, Malcolm, MP and PM Speaker Question No. Banking and Financial Services   Ms O'NEIL (Hotham) (14:09): My question is to the Prime Minister. Denis Scanlon is 75 and he lives in the electorate of Higgins. Denis says his bank ripped him off, and is still trying to sell his house after selling both his business and his commercial property. Denis says ASIC and the Financial Ombudsman Service have told him they cannot help. And his local member, the Assistant Treasurer, has given him a list of community legal centres, despite the fact...
Last modified on
Hits: 86 0 Comments
Rate this blog entry:
0
Continue reading
Feds want 'Wolf of Wall Street' profits as part of $3.5 billion fraud allegations 21 July 2016 http://money.cnn.com/2016/07/20/news/wolf-of-wall-street-malaysia-1mdb/index.html?iid=ob_article_footer In a massive lawsuit that reads like an international thriller, the U.S. government claims that well-connected fraudsters stole $3.5 billion from the Malaysian people and used it to buy New York condos, hotels, yachts and a jet. Some of that money was used to produce the Hollywood film "The Wolf of Wall Street," according to federal investigators.   The U.S. Department of Justice filed a civil lawsuit Wednesday attempting to seize $1 billion of those assets -- the amount that went through American banks.   U.S. Attorney General Loretta Lynch said the federal government is not yet ready to bring criminal charges against the financiers. Instead, prosecutors want to seize assets as soon as possible. At the center of the massive scheme is 1Malaysia Development Berhad, an enormous investment fund started by the Malaysian government...
Last modified on
Hits: 24 0 Comments
Rate this blog entry:
0
Continue reading
George Pell sex files: police sought advice from prosecutors The Australian 12:00am July 28, 2016 Tessa Akerman   Victorian prosecutors were asked by police to review sex abuse claims against Cardinal George Pell but sent the file back to detectives without recommendations. The police file was sent to the Victorian Office of Public Prosecutions in the past month but was returned by director John Champion, who advised officers any decision on charges was their call, the Herald Sun reported last night. The revelation came after the ABC broadcast statements from two men last night accusing Australia’s most senior Catholic of abusing them as boys. Cardinal Pell, who wrote to Victoria Police in May asking if they wanted to interview him, hit back immediately. “The accusations are sheer fantasy and completely implausible,’’ he told The Australian from Rome. It was reported in February that Victoria Police’s Sano Taskforce was investigating Cardinal Pell...
Last modified on
Hits: 36 0 Comments
Rate this blog entry:
0
Continue reading
BBSW traders feared jail terms for market peers Australian Financial Review Jul 28 2016 12:00 AM Jonathan Shapiro   Traders at the big banks grew increasingly anxious that their involvement in setting the bank bill swap rate could land them in trouble, warning each other to steer clear of involvement in rate sets, electronic chat transcripts show.  In documents filed to the courts by the Australian Securities and Investments Commission as part its case against National Australia Bank, traders debated whether jail time could befall those seen to be involved in manipulating the BBSW – a key benchmark interest rate used to price billions of dollars of bills, bonds, loans and derivatives. "I"d sty [sic] away from that rate set if I wre you"  wrote Westpac's Richard Conway via Bloomberg chat to NAB's interest rate swaps trader Robert Collins on January 2013.  "mate i always do...i figure i pay the rateset...
Last modified on
Hits: 77 0 Comments
Rate this blog entry:
0
Continue reading
The beauty of our Facebook/BFCSA site: We can all watch what is going on between the Major Doom Loop Players: the Bankers, FOS and also ASIC and those appointed to review (or cover up?) the truth.   Maria asks:   THE 'INDEPENDENT' REVIEW INTO BANKING CODE OF PRACTICE... BY A FORMER ASIC REGULATOR....WTF & WOW!!! Submissions due by 19 August 2016. Submissions will be treated as public and posted on this website - unless you specifically request confidentiality. Submissions and any input should be sent to This email address is being protected from spambots. You need JavaScript enabled to view it.. If you have any queries about the process, please also address them to the above email and we will do our best to get back to you as soon as we can.   BFCSA Banking & Finance Consumers Support Association Before you trust these people: Cameron Ralph, Phil Khoury and Alan Cameron: Khoury formed the TOR for FOS, Cameron is an early ex...
Last modified on
Hits: 62 0 Comments
Rate this blog entry:
Continue reading
Australian debt control worst in G20: report The Australian 12:00am July 27, 2016 Adam Creighton   Australia has shown less control over spending than any advanced G20 nation since the global financial ¬crisis eight years ago and has squandered the opportunity offered by superior economic growth to gain control over its budget deficit. A damning study by the former head of the IMF’s budget division shows the deterioration in Australia’s debt almost matched that of Italy, one of the most troubled European economies, suffering a deep recession and a blowout in interest costs. Nations that fail to control the growth in their debt are at risk of a crisis when interest rates eventually rise, warns the study published by the Peterson Institute for International Economics, a Washington DC think tank. “A gradual but sustained fiscal adjustment through expenditure cuts and revenue increases is the most appropriate means of reducing the chances...
Last modified on
Hits: 47 0 Comments
Rate this blog entry:
0
Continue reading
ACCC's Rod Sims 'exasperated' as privatisations 'increase prices' Australian Financial Review Jul 26 2016 9:06 PM Ben Potter   The head of the competition regulator has called out governments for blatantly structuring asset sales to maximise profits at the expense of consumers and businesses. Australian Competition and Consumer Commission chairman Rod Sims said he had been a strong advocate of privatisation for 30 years because he believed it enhanced economic efficiency but he now believed "people in the street" who oppose privatisation because it raises prices had it right based on recent port sales in NSW.  He said he was now "almost at the point of opposing privatisation" because state and federal governments were becoming increasingly blatant about structuring sales to maximise proceeds at the expense of competition. "I am getting more exasperated. I just think governments are more explicitly now privatising to maximise the proceeds - including the Commonwealth," he...
Last modified on
Hits: 40 0 Comments
Rate this blog entry:
0
Continue reading