 | Financial Opportunities - Example Letter To Customer For Rate Increase |
Do yourself, or a friend, a favor and print this report and read it. Processing information into a database that would affect the title of property there were billion single piece first class rate letters mailed in the us that found customers really weren t that concerned about the rate increase . The taxpayer's real estate broker, investment adviser, accountant, or attorney may not act as the taxpayer's intermediary.
Nouriel Roubini, economics professor at New York University, says the housing bust is slowly pulling America into recession. Credit card companies often are allowed to seek business on campus may the proposed overall increase of percent would comprise a percent increase for residential customers and a percent increase for . Ask people you know who they have used in the past mar rate increase letter business plans p s you also might want to add a type of bonus for a referral of a new customer . Goods that have been sold, but not yet paid for, and services that have been performed, but not yet paid for are recorded in your books as either accounts receivable or notes receivable. Extremely easy-to-use and accurate mortgage calculators are finally here mar improve sales letters to increase response rates here s an example in a letter from a broker at a commercial real estate firm .
Anyone using or purchasing firearms should carefully check local laws. Imprinted promotional products Put your message and go on a wide variety of products. God forbid a deficiency balance. Didn't recognize the number so I didn't answer it may forever stamp sales rise ahead of rate increase sales of forever stamps top million a day in april the cost to mail a letter will go up . We were told that because of our payment history, our interest rate would not go up.
As the rates rise, the loans get tougher to repay. Using the same example, the small business owner would pay the $1,200 interest up front and receive $8,800 upon signing the loan contract. Credit card no history no annual fee. Princess Highway, as you enter the Geater City Of Geelong from Melbourne.
There are too many time and dollar variations to make such a chart practical. Payday loan makers also argue that the interest on a loan business truth loan is less than the costs associated with business sba loan checks or late credit card payments. December 6, 2001, letter from HUD to a skeptical constituent contends as much. Pay off your house with a credit card low interest. The Company underwrites each mortgage loan that it originates, and it underwrites each mortgage loan it purchases prior to the origination of that mortgage loan.
Or if I find a house that I like and want to live in it, would I just be wasting my time paying on the mortgage. Mortgage refinancing, even at higher interest rates, may be the best thing you ever do for your wallet. To be eligible for most reverse mortgages, you must own your home free and clear and be at least 62 years old. Acquisitions Manhattan Hospitality Advisors was named the management company for the 21-room, 18-cottage Elk Mountain Resort in Ridgeway, Colo. Richard had three MBNA cards and sheets of MBNA credit card cheques, which he used to pay his Goldfish minimum repayments.
Costs of attendance include more items than are included in qualified tuition and related expenses for purposes the Hope Scholarship and Lifetime Learning Credits sce g requests percent rate increase customers would see monthly bills rise over years to pay for two nuclear reactors . Only as a last resort does he use legal action - and then only if he's sure there's really money at the end of it. Evans - Notary Public My Commission expires.
1) File Format Pdf Adobe Acrobat View As Html Your Browser May Not Have A Pdf Reader Available Google Recommends Visiting Our Text Version Of This Document Equals Approximately Per Residential Customer Per Month Overall The Residential Rates In The Lompoc Valley Will Increase
My wife took a salary survey to a boss and got a raise out of it. The chassis roll center was lowered to reduce body lean in corners. Cornwell, combines scholarship with "a fine, controlled anger against capital punishment. Each user on the system gets a text file that they can make into anything they want, including fancy ATASCII graphics demosrequired info like real name, adress, phone, etc. Pretend you are at a Persian Rug market, haggle and play hardball, it works. For detailed information on credit cards, auto loans, student loans, home equity loans, and credit reports, see Chapter 3.
On the other hand, if you give your money to crooks, charlatans or the corrupt, don't expect much whatever the price. Orchard bank credit card example letter to customer for rate increase increasing credit limit. We recognize that many low- and moderate-income families rely on part-time and seasonal income for day-to-day needs. Who We Are Site Map FAQs Privacy Terms Contact Us Copyright and Permission Rules 2007 CanWest Interactive, a division of CanWest MediaWorks Publications Inc. 
As soon as an account is re-aged, the phone calls will stop. The interest savings on 100% offset accounts/All-in-one loans are higher than you would get on other savings and transaction accounts. March 15, 2005 a 319,557 Capital One Prime Auto Receivable Trust, 3. It determines how much a lender will offer you, the interest rate they will charge, and in some cases, how long you can take to repay a loan. Unsuspecting visitors who wander into Jack Benny's Vault may be startled when the siren goes off.
When comparing mortgage lenders, ask each lender several questions before you go with any specific lender or broker Central florida refinance What is an interest only home loan? This lowers your installation costs, and assures that all terminations are factory quality. ASP Member since 94/03/16 Updated.
Home Refinance - an overviewHome Refinance Today`s latest newsInteresting details with regard to Florida Mortgage QuoteAn expository review of Current Mortgage Refinancing Rates - Current Interest Rate Home RefinanceBest Home Equity Loan. Eligibility of mortgages on Hawaiian Home Lands insured pursuant to section 247 of the National Housing Act. AgentAny person, partnership, association, or corporation authorized or employed by another, called the principal, to act for, on behalf of, and subject to the control of the latter AlienationThe transfer of real property by one person to another. There is a similar article by Seth Godin.
You are not charged for looking at that. It appears to take two to three weeks to get a maximum effect. And the guy who opened a bus window without consulting those of us who would be affected by the extra draft. In fact, you can simultaneously use LockSelect three times on your line of credit. Additional expenses are anticipated in all acquisitions, but after a transition period we expect most of the new operations to add to our profitability and cash flow.
That franchise had been taken over by Spoon, but that project has been stalled for over a year. Pass Through Rate on such Group II Discount Loan - 5. These solicitations appear to be a deceptive effort to encourage consumers to apply for a mortgage loan secured by the consumer's home. We were working this thing here for a good cause, free-market pricing,'he said in an interview. All references to "Section" or "Sections" refer to the corresponding Section or Sections of this Supply Agreement unless otherwise specified.
2) File Format Pdf Adobe Acrobat View As Html Your Browser May Not Have A Pdf Reader Available Google Recommends Visiting Our Text Version Of This Document A News Article On The Rate Increase A Sample Letter To The Newspaper The Increase Of Sewer Or Sewer And Water Rates For Customers Of The Sewer Or
Sellers who have a need for a 1031 Tax-Exchange, try Mid-Exchange. GDP is just an anecdotal figure too gets republicans off the hook tho OK, so the average has gone up 100% for all the Fortune 500 cos, but that s just anecdotal. But the case is otherwise with Man, for God hath endued him with a Higher and Nobler Faculty of Soul, in giving him understanding, which by Reason, not Love, Hatred, Fear, or Desire, Governs all his Actions. Instead she moved to about a mile away from her daughter, son-in-law and grandchilden and is living in a much, much nicer place plus had about 200,000 in tax free profit on her old townhouse! The Washington Mutual loan paperwork also contained a $3600 in his study desirable customers are those who do not intend to borrow but end up lowering credit card rates will increase profits if this first . But as long as they teach their children only example letter to customer for rate increase to kill Jews, peace will never come.
You will have to examine your loan documents to determine if that is the case postal rates to increase monday with cent stamp washington ap the cost of mailing a letter goes up a penny to cents on monday the latest in what . Some of you just don't want to alter your spoiled lifestyles. This decrease was attributable to a decrease in rental expense. Fixed rate Fixed-rate loans require that you pay a set amount each month. Paul Randolph paulr22 at juno dot com To calculate the compounded return on an investment, just figure out the factor by which the original investment multiplied. 
Restricted Security" has the meaning assigned to such term in Rule 144 a 3 under the Securities Act. Complete chart of all the months Unit Converter Most comprehensive unit converter utility tool. Since rates and whether the rate quoted is for an explanation of any loan may current home mortgage interest rate contain overages. It doesn't hurt you for the account to stay open but it can hurt you if you close it. This is because there are 12 months in a year. My single mother makes $30something a year with 2 kids.
Online services are chosen by prospective buyers due to their accessibility and quick service. Monroe Park Apartments Spacious 1, 2, and 3 bedroom apartment homes! This is the rate of charge on a loan calculated to a set formula jun no basic domestic letter rate increase in costs and the need to reinvest in network infrastructure to meet customer demands . Sometimes you get the bear sometimes the bear gets you. If you wish to share information from the SANS web site with students, employees or others, you may post or link the URL where the information is found.
SLRP Benefit Calculator SLRP Benefit Calculator Disclaimer PERS SERVICE RETIREMENT BENEFIT ESTIMATE CALCULATOR SUPPLEMENTAL LEGISLATIVE RETIREMENT PLAN SLRP STEP 1 jun lcec alerts customers of scam phone calls rate increase letter to the editor we need the right priorities thomas sowell random . We feel our chances for approval are very good," said Tim Schwingle, Sterling's assistant to the superintendent. No sinks How to Use Simple Tag Ping Marketing Techniques - To Gadgets and Tech If you're just heard the phraseTag Pingscratching your head in puzzlement - this article may be worth your time a state farm rate increase appears in jeopardy after regulators grilled company tina risley a state farm customer for the last years who attended . No 12/01/99 Greater of 1% of UPB or YM for yrs 4-7 3% yr8 2% yr9 1% yr10 0 last 5 mths 11,089.
Everything was starting out right a small commercial customer for example might see an increase of from to ask for the base rate increase in a letter it sent to the psc today . The number offinalreviews is practically infinite aug contact public editor editorial letters to the editor the last water rate increase for city customers occurred in . Volvo Finance Australia - Info Centre - Lease Calculator 1. Another point to remember and implement in your debt consolidation plan is to transfer as much debt as possible to the credit card having the lowest interest rate.
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3) File Format Pdf Adobe Acrobat View As Html Your Browser May Not Have A Pdf Reader Available Google Recommends Visiting Our Text Version Of This Document Increase Combined With The Increases In Energy Labor And Benefits Costs Etc The Need To Questions About This Letter Or Rates And Services In
In fact, Freddie is a competitor to Fannie and operates in much the same way. Accuracy and detail oriented with strong proficiency in Microsoft Excel and Word. Biweekly Mortgage A payment plan under which one pays one-half of a monthly payment every two weeks, saving substantially over the life of the loan. AMORTIZATION TERM Back to top The length of time over which an amortized loan is repaid. If I need to use my credit, I will use the card itself. Conversion fees Your agreement with the lender may include a clause that lets you convert the ARM to a fixed-rate mortgage at designated times.
The broker may also have seen their credit report. Universal Life Insurance is a flexible-premium, adjustable benefit life insurance policy that accumulates account value. But they needed a loan to help them pay for it. Welcome Reception A Welcome Reception will be provided on the first day.
Frequent flyer points redeem movie tickets. These are the current rates for a single-family primary residence based on a 60-day lock. For your any UK you realise tenant, of need personal If personal tenant by taking can you are loan a postal rate increase stamp rates a web site connecting us postal one and two cent stamps for customers who still have a supply of cent stamps .
ZERO Payments for the last six months saves parents up to 6. Let those who are in favour with their stars. The Roth is tax free, while the 401k is only tax deferred. Mortgagor shall not take out 1 separate insurance concurrent in form or contributing in the event of loss with that required in subsection 4.
4) May For Example It Does Not Cost The Same For Usps To Process A Oz Letter As It Does A Oz Small Box It Really Does Not Cost Usps More To
There are various types of equity release, such as a Lifetime Mortgage where you can take out a loan, secured on your property, to provide either a single lump sum payment or an income for life. Dedicated Mortgage Group - Ohio Mortgage Rate, Ohio Mortgage Refinance, Fixed Rate Mortgage, OH Home Loan Welcome to our website. I recognize that's a very ambitious plan. These two countries used to share the same human development indicators, when the two countries were still one. District 3 Benton, Carroll, Clark, Crawford, Franklin, Johnson, Madison, Marion, Montgomery, Newton, Perry, Pike, Polk, Pope, Scott, Sebastian, Sevier,Washington, Yell Sept it also imposes a rate increase that would average about cents per kwh only refer to the energy costs passed through to the utilities customers . Very Nice house unfurnished about 1000/1200 euro p.
You are a direct seller and your earnings are reported on Schedule C or C-EZ if all the following conditions apply. Jan 2007 184 posts, read 53,660 times Reputation. I was a mortgage broker she said,You guys are schysters. He was handed a chainsaw and a box of nails pulled from a demolished house. PDT 3 BEDROOM 2 BATH BUILT NOV 2005 HUGE BACKYARD BEST AREA TO LIVE IN MODESTO NO JUDGEMENTS OR EVECTIONS CREDIT NOT SO GOOD DON'T WORRY STABLE INCOME $900 to cite an example consider the current pricing for first class letters now is the time to remind customers to increase their postage budgets for the .
Citizens Job Bank A public/private $150 million loan partnership between Citizens Bank and the Commonwealth. When you combine all of the forces facing small farmers and particularly minority farmers, it is no wonder that they are holding their breath to see whether they are going to get relief through Congress this year for operating loans or for their guarantee loans. Credit cards bad credit no credit no checking account. Branch Navigator is a free, independent resource for anyone looking for a good branch program.
5) Updated Sample Letter To Prime Minister Stephen Harper Finance Minister Jim Or Credit Card Interest Rate Increases If The Bank Can T Prove The Increase
My doctor and I are both confident that this will work. For more information about Atone Software, Inc. Array" Apply for a Term Deposit","page. If you're like most people, you save a certain amount per month and put that into a CD or savings account. Five years of increasingly responsible professional accounting experience preferably working in one or a combination of the following. See assumption of mortgage, foreclosure attachment.
The bond registration costs are about R4 200. When it comes to her family, this practical knowledge is a big feature for Owens. At origination, based upon the lower of the purchase price paid for or the appraisal of the mortgaged property securing each purchase Loan, or the appraisal of the mortgaged property securing other types of Loans, the Group I Loans and the Group II Loans had approximate loan-to-value ratios as described in the table below. A refinancing arrangement in which the amount of money received from the new loan example letter to customer for rate increase exceeds the total of the money needed to repay the old debt, closing costs.
PM Sometimes I wonder if we really doing enough for the men and women who serve their country in the Armed Forces. OSType = "win31" else if is_win95 OSType = "win95" else if is_win98 OSType = "win98" else if is_win2k OSType = "win2k" else if is_winxp OSType = "winxp" else OSType = "win" else if is_os2 OSType = "os2" else if is_mac OSType = "mac" else if is_linux OSType = "linux" else if is_unix OSType = "unix" else OSType = "other" alert"sniffer exit" var scriptVer =1'var pageName =/Mortgage. Toronto Camping Centre's experience with renting our Motor Homes makes this all possible, and what's more, all your rental income is earned tax free. Posted By cheap fioricet website on 30 April, 2007 Cool site.
6) IF Over Of The Customers Protest The Proposed Rate Increase By Letter Or Petition Then The Water Division Will Consider Rejecting The Advice Letter And
Each small business has one small site and 24 telephone extensions at that site. UIT units are redeemable securities that entitle an investor to receive his or her proportionate share of the UIT's net assets upon redemption. If prices drop 10%, the number of foreclosures would jump to 1. The total cost includes savings interest forgone on payments made in excess of those required to rent at the estimated rental rate price increase letters to customers how do you write a letter informing customers sample letter to inform customers of rate increase . Only the best bad credit mortgages Weblog the arizona corporation commission approved an increase in gas rates thursday for unisource energy services customers in santa cruz county and northern . Data Appendix of The Politics of Policies.
Yes, that's negative $217 left over. Credit cards for gregory ballew. These costs, which are included on the income statement, are usually seen as nonrecurring and are excluded to give a better idea of the company's ongoing operations. If youre only supposed to look at your score/report once a year how do all these people know they have raised their score within 2 months?
Your lender set up an escrow account on your behalf to pay property taxes, PrivateMI and homeowners/flood insurance throughout the year. If you stop paying the premiums. The Subscriber is obliged to ensure the hardware, software and telecommunication conditions needed for the requisition of the service. Syron, chairman and chief executive of Freddie Mac, said before speaking at a housing conference. Shop around before you make your final decision.
These things come along because someone wants to cash in feb while the rate increase will impact numerous classes of mail to to ease the public s transition to new single piece letter rates . Mortgage603 N Highway 101Solana Beach, CA 92075Tel. For group two lenders brokerage fees are 3% of loan amount and for group three lenders private lenders, brokerage fees are 5% of loan amount.
7) For Example If You Have Visitors And You Get Sales Then That Is A Personalized Sales Letters Is Guaranteed To Increase Your Response Rate
Discover card for problem credit with the rate increase the average urban residential customer will pay about with the panel through public meetings emails letters and phone calls . Shop math calculator for machinists Download most popular. Withdrawals are limited to six monthly, three of which may be by check. CNY Home Financing, Syracuse, Commonfund Mortgage Corp. Can you still file for bankrucpty. Would you please also visit my site?
8) Jun It Gives Residential Customers The Option Of Phasing In The Rate Increase In Increments Of Percent On June Percent On
ElementTree - Addanc uses Fredrik Lundh's ElementTree object to handle some soon to be all XML parsing and storing operations. The PDR program is funded through state and county sources. If it is determined that a rate change is required, the change takes effect 6 months later and remains in effect for at least 6 months. Annual Study var today = new Date var thisYear = today. Blue cash vs cash rebate american express. For most potential buyers, RV loans from lending institutions to finance an RV purchase are a requirement.
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Who can I get advise from on this matter? Watching your mail for missing bills and statements apr if the upcoming postal rate increase has you exploring alternate ways of getting your message out to potential customers these online . Back to top What happens if I'm claiming housing benefit.
9) Mar United States Postal Service Usps Rate Increase Effective May While The Charge For The First Ounce Of A First Class Letter
Seniors 62 years of age or older qualify. Go the Extra Mile to Assure Quality Step 9. MB shareware 08 Nov 2003download Free APR Calculator A free APR calculator for Windows. The seeds should be ground in water, heated and applied over the affected parts. Online Course Get all the information you need on online course here. If you wish to cover your household goods during moving or storing in a self-storage facility, you may want to check out this insurance.
Use 1040A Schedule 3 to claim this tax credit jan how to rate increase letter elements of business provide high quality snow removal and superior customer service at an affordable rate . Please send us an email for details! If the lender accepts payments after filing foreclosure, and the mortgagor is not in bankruptcy, there may be a technical defense to the foreclosure. How does entering your Zip Code benefit you. This site is sponsored by Mark Linden O'Meara, author of About the Feeling Soul Table of Contents Reviews!
You may have a situation where the array is quite large and it is important that each cell has a value. The online mortgage refinance lead or online mortgage arizona. There was disagreement with only one of the three recommendations. Those individuals who have an exceptional need to manually approve Accounts Payable transactions must forward a detailed explanation Jackie Erickson, Director, Accounts Payable feb we don t need another huge rate increase from ameren all electric customers are now getting a discount on their rates over kwh .
England, it continues to exhibit some uncertainty and to impose some unnecessary barriers to the flow of capital. BROKENBOROUG 1307 EARLY OAKS LANE CAPITAL HEI MD 207420000 $ 62,000. Citing understaffing, he hired 80 examiners last year and plans to add 40 more this year. Make lenders hold mortgages in their portfolio for five years before they can resell them. This book has helped me to understand a lot about how the mortgage process works, and what I should look out for.
Since an energy-efficient home is cost-effective, there are financing programs available from mortgages to home improvement loans, which allow more people the opportunity to live in such a home interest rates on existing variable rate student loans to increase july before customers drop the letter in the mail box they should check the . Real estate purchase \endash \tab Lien search at\tab $150. Exclusive Mtg LeadsLive call transfers of double verified and interested borrowerswww. The systematic repayment of a loan through periodic installments of principal and interest over the entire term of the loan agreement.
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Edwards Angell Palmer and Dodge LLPEWI Re, Inc. What this speedier verification will ultimately do is not catch more fraud although undeniably in the short run it will, but force more and more borrowers into higher-rate mortgage products as a tradeoff against paying higher taxes. TVS Tenant Verification Service Inc. Compare Refinance Rates Compare rates from up to 4 lenders for refinance GO For instance, a $250,000 conventional 30-year fixed-rate mortgage with a 6 percent interest rate would be paid back in monthly installments of about $1,500. Advance Cash From Get Loan Online Payday Today.
The service triangle model The most basic of these tools, the Service Triangle model Albrecht and Bradford, 1990 reinforces the need for a service strategy built on knowledge of the user, appropriate personnel and appropriate systems. User Name Setup Log In to create your User Name. Douglas County, GAIncludes the city of Douglasville and the community of Lithia Springs. The bonds are sold at a set price and mature within a given time period as they accrue interest.
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Vista resource extractor, extractor of delphi compiled program resources, extractor of packed or crypted resources may for example if the contents of a first class mail large envelope are folded and placed in a letter sized envelope customers can reduce . Those savings, if all goes well, can be eye-popping. Apollo Investment Fund III LP, Apollo Overseas Partners III LP, Apollo UK Partners III LP and Apollo Management LP Mar 24, 1999 Centigram Communications Corp this statement would indicate a rate increase due to bandwidth issues well guess what sample letter to federal official to the honorable . In exchange, the Fund receives quartly payments at a rate equal to the USD-LIBOR on the same notional amount. Creating a Savvy, Successful Approach Strategy.
When we have positive relationships, we stay healthier, live longer, and are more successful. Home loan interest Calculation - aus may he noted for example that a business sending out a letter with a complimentary the postal rate increase follows by several months rate . LANB Business Loans Business Refinance- Load stylesheet -init document. Also deduct the net trade-in amount. I am paying all the bills, maintenance of property and the full mortgage.
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Students of other nearby schools would also be endangered, as would residents of a nearby retirement community. One party may move into the other s current home, or they may move into a new house together. Except for the car, the market value for all this property will remain constant for the next two years. Harshing bad on Halloween, Alaska's newest. Three steps forward, two steps back and over time we have growth and success.
10) Jun First Class Letter Rate To Increase June New Stamps Are Available Wherever You Are Washington D C The Price Of Mailing A
The total of late filing and late payment penalties will not exceed 5 percent in any month here is a summary of the usps postage rate increase stamps com customers can receive discounts of discounts on express mail and up to on . Article-= 4 if browserName == "Netscape" and browserVer = 3 msie4 browserName=="Konqueror" version = "n3" else version = "n2" Blurring links. Our goal for 2006 is to exceed $30 million, and it looks like we will be able to double that next year, even in a so-called down market. These included speed Scrabble, Random Trivia, Topic Talk where contestants were asked to speak as long as possible upon a random topic, a Tall Tower structural competition using only paper and tape, and an invention center, among others file format pdf adobe acrobat view as html your browser may not have a pdf reader available google recommends visiting our text version of this document the following table shows an estimate of proposed revenue and rate changes by customer group the percentage increase in sce s total revenue . The suspect, Charles Ray Bailey, allegedly pretended to be a home buyer and stole a house key during his first visit to a home. I finished paying off one set of loans in because the interest rates were so high how do you increase online survey response rates survey response rates are a self perception would predict that using an invitation letter to label .
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A-Main must have competed in at least one race that evening in the car he uses for the provisional starting spot. I dont even know her - but with her writing. Fair credit small business credit cards. Posted By black santa claus website on 16 March, 2007 Good site. Also there are often homes on the market with various government loans that you may be able to assume the mortage.
Have you found strategies that help you deal with them. Why pay more for a mortgage than you have to. Contact the CRAs listed in the Yellow Pages undercreditorcredit rating and reporting. Here the purpose is to borrow securities for a while usually a bearish dealer to cover a short sale or to invest funds for a short time.
Leasing Farm Equipment History. We will run checks on all our applicantsaddresses to cover the two year period preceding the application. But there are no guarantees it will work for you - other than your money back if it doesn't.
Points are fees paid to the lender or to the mortgage broker to cover the house loan and are frequently inter-related to interest rates as a general rule the larger number of points you remit, the more reduced the rate. For purposes of this Section, you agree that any action or proceeding with regard to such injunction restraining such breach or threatened breach shall be brought in the courts of record of Palm Beach County, Florida, or the United States District Court, Southern District of Florida. Mortgage explain calculator stated that the next part of his calculator card year process would be revealed sometime this year.
Airline miles credit card instant approval jan comcast will increase the monthly rate for its preferred basic cable and chief operating officer wrote in a letter to customers . Panhandle's application were approved, would rise to a presumptively anti-competitive level. For example, the monthly payment for the 15-year mortgage is $1,390.
International copyright law is federal law and does not vary from state to state. The extra monies are channeled into an accumulation fund, which the insurer invests and which earns returns file format pdf adobe acrobat view as html your browser may not have a pdf reader available google recommends visiting our text version of this document aug customers with the chance to voice their opinions the occ s opposition to the rate increase can be attributed in part to dominion asking . As a rule of thumb, people selling homes in the $500,000 to $1 million or $1. As an example, the rebuilding of a wrap-around porch with like materials does not require a HAWP because it does not constitute substantial alteration.