Lisa Marie Contaldi

Mortgage Rates

What To Look For From This Week’s Fed Meeting

You may be hearing a lot of talk about the Federal Reserve (the Fed) and how their actions will impact the housing market right now. Here’s why.The Fed meets again this week to decide the...

KCM Crew | November 6, 2024

For Sellers

Expect the Unexpected: Anticipating Volatility in Today’s Housing Market

You’ve probably noticed one thing if you’re thinking about making a move: the housing market feels a bit unpredictable right now. The truth is, from home prices to mortgage rates, we’re s...

KCM Crew | November 5, 2024

For Buyers

Is a Fixer Upper Right for You?

Looking to buy a home but feeling like almost everything is out of reach? Here’s the thing. There’s still a way to become a homeowner, even when affordability seems like a huge roadblock ...

KCM Crew | November 4, 2024

Infographics

Q&A: How Do Presidential Elections Impact the Housing Market?

Some HighlightsEven if you’re not looking to move right away, you may have questions about how the election will impact the housing market.When we look at historical trends, combined with...

KCM Crew | November 1, 2024

For Buyers

How Real Estate Agents Take the Fear Out of Moving

Feeling a bit unsure, or even afraid, to move with everything going on right now? The decision to move shouldn’t be scary, it should be exciting. And the best way to eliminate any fear is...

KCM Crew | October 31, 2024

For Buyers

Avoid These Top Homebuyer Mistakes in Today’s Market

No one likes making mistakes, especially when they happen in what’s likely the biggest transaction of your life – buying a home.That’s why partnering with a trusted agent is so important....

KCM Crew | October 30, 2024

For Buyers

Why Home Sales Bounce Back After Presidential Elections

With the 2024 Presidential election fast approaching, you might be wondering what impact, if any, it’s having on the housing market. Let’s break it down.Election Years Bring a Temporary S...

KCM Crew | October 29, 2024

For Buyers

Why Your House Will Shine in Today’s Market

Even though there are more homes available for sale than there were at this time last year, there are still more buyers than there are houses to choose from. So, know that if you’ve got m...

KCM Crew | October 28, 2024

For Buyers

Debunking Scary Myths About Buying a Home

Some HighlightsThere are a number of scary myths about homebuying in today’s market. Here’s what you need to know.Prices are not expected to crash, it is possible to buy even with student...

KCM Crew | October 25, 2024

Foreclosures

Why Today’s Foreclosure Numbers Won’t Trigger a Crash

With everything feeling more expensive these days, it’s natural to worry about how rising costs might impact the housing market. Many people are concerned that high prices and tighter bud...

KCM Crew | October 24, 2024

For Sellers

How Long Will It Take To Sell Your House?

As you’re getting ready to sell your house, one of the first questions you’re probably asking is, “how long is this going to take?” And that makes sense—you want to know what to expect.Wh...

KCM Crew | October 23, 2024

For Sellers

Planning To Sell Your House in 2025? Start Prepping Now

If your goal is to sell your house in 2025, now’s the time to start prepping. Even though it might seem like there’s plenty of time between now and the new year, you should get a head sta...

KCM Crew | October 22, 2024

For Buyers

What To Expect from Mortgage Rates and Home Prices in 2025

Curious about where the housing market is headed in 2025? The good news is that experts are offering some promising forecasts, especially when it comes to two key factors that directly af...

KCM Crew | October 21, 2024

For Buyers

Why Buying Now Is Worth It

Some HighlightsYou may be torn between buying a home now or waiting. But don’t forget to factor in the equity you’ll gain as prices rise.Experts forecast prices will climb over the next 5...

KCM Crew | October 18, 2024

For Buyers

Why Did More People Decide To Sell Their Homes Recently?

Homeowners typically slow down their moving plans as the summer months wrap up, and as a result, fewer homes are listed for sale in the fall. It’s a predictable, seasonal trend in real es...

KCM Crew | October 17, 2024

For Buyers

The Benefits of Using Your Equity To Make a Bigger Down Payment

Did you know? Homeowners are often able to put more money down when they buy their next home. That’s because, once they sell, they can use the equity they have in their current house towa...

KCM Crew | October 16, 2024

For Buyers

Why an Agent Is Essential When Buying a Newly Built Home

For some buyers, there’s a misconception that newly built homes aren’t made to last or fall short of the quality you can find in older homes. Unfortunately, this is turning some buyers aw...

KCM Crew | October 15, 2024

For Buyers

Why a Condo Could Be Your Perfect First Home

If you’re looking to break into homeownership but the price of single-family homes has you second-guessing, you might want to consider a condominium (condo) or townhome. These types of ho...

KCM Crew | October 14, 2024

For Buyers

Buying Beats Renting in These Top Cities

Some HighlightsBased on a recent study, in 22 of the top 50 metros, the monthly mortgage payment is lower than the rent payment.Make sure you work with a pro who can help you crunch the n...

KCM Crew | October 11, 2024

For Sellers

How Much Does It Cost To Sell My House?

If you’re toying with the idea of selling your house, you’re probably wondering how much it’ll cost. To be honest, the final number will depend on several factors like the offer you accep...

KCM Crew | October 10, 2024

Inventory

Two Reasons Why the Housing Market Won’t Crash

You may have heard chatter recently about the economy and talk about a possible recession. It's no surprise that kind of noise gets some people worried about a housing market crash. Maybe...

KCM Crew | October 9, 2024

For Sellers

Why Now’s Not the Time To Take Your House Off the Market

Has your house been sitting on the market longer than expected? If so, you’re bound to be frustrated by now. Maybe you’re even thinking it’s time to pull the listing and wait to see what ...

KCM Crew | October 8, 2024

For Sellers

Now’s the Time To Upgrade to Your Dream Home

If you’ve been wanting to sell your house and move up to a bigger or nicer home, you’re not alone. A recent Inman survey reveals the top motivator for today’s homebuyers is the desire for...

KCM Crew | October 7, 2024

Infographics

The Top 3 Reasons Affordability Is Improving

Some HighlightsAffordability is based on three key factors: mortgage rates, home prices, and wages.And today, it’s improving quickly as rates come down, prices level off, and wages climb....

KCM Crew | October 4, 2024

For Buyers

Home Values Rise Even as Median Prices Fall

Recent headlines have been buzzing about the median asking price of homes dropping compared to last year, and that’s sparked plenty of confusion. And as a buyer or seller, it’s easy to as...

KCM Crew | October 3, 2024

For Sellers

Secrets To Selling Your House Quickly

Seeing your house sit on the market without any bites is the ultimate frustration. And unfortunately, some sellers are in that tricky spot today.According to data from the National Associ...

KCM Crew | October 2, 2024

For Buyers

This Is the Sweet Spot Homebuyers Have Been Waiting For

After months of sitting on the sidelines, many homebuyers who were priced out by high mortgage rates and affordability challenges finally have an opportunity to make their move. With rate...

KCM Crew | October 1, 2024

For Buyers

Buying Beats Renting in 22 Major U.S. Cities

That’s right—according to a recent study from Zillow, in 22 of the 50 largest metro areas, monthly mortgage payments are now lower than rent payments (see chart below):As mortgage rates h...

KCM Crew | September 30, 2024

For Buyers

Buy Now, or Wait?

Some HighlightsIf you’re wondering if you should buy now or wait, here’s what you need to know. If you wait for rates to drop more, you’ll have to deal with more competition and higher pr...

KCM Crew | September 27, 2024

For Buyers

Don’t Fall for These Real Estate Agent Myths

When it’s time to buy or sell a home, one of the most important decisions you’ll make is who you’ll work with as your agent. That choice will have an impact on your entire experience and ...

KCM Crew | September 26, 2024

For Buyers

Why Buying Now May Be Worth It in the Long Run

Should you buy a home now or should you wait? That’s a question a lot of people have these days. And while what’s right for you is going to depend on a lot of different factors, here’s so...

KCM Crew | September 25, 2024

For Buyers

The Down Payment Assistance You Didn’t Know About

Believe it or not, almost 80% of first-time homebuyers qualify for down payment assistance, but only 13% actually use it. And if you’re hoping to buy a home, this is a mission-critical ga...

KCM Crew | September 24, 2024

For Sellers

Is Your House Priced Too High?

Every seller wants to get their house sold quickly, for as much money as they can, with as few headaches as possible. And chances are, you’re no different.But did you know one of the bigg...

KCM Crew | September 23, 2024

For Buyers

Lower Mortgage Rates Boost Your Buying Power

Some HighlightsMortgage rates are trending down and that’s great news for your bottom line.As rates drop, your monthly payment on your next home does too. Even a small change in mortgage ...

KCM Crew | September 20, 2024

For Sellers

Falling Mortgage Rates Are Bringing Buyers Back

If you’ve been hesitant to list your house because you’re worried no one’s buying, here’s your sign it may be time to talk with an agent.After months of high rates keeping buyers on the s...

KCM Crew | September 19, 2024

For Buyers

The Latest Builder Trend: Smaller, Less Expensive Homes

Even though affordability is improving, buying a home can still feel tough right now. But here’s some good news: builders are focusing their efforts on building smaller homes, and they’re...

KCM Crew | September 18, 2024

For Buyers

Mortgage Rates Drop to Lowest Level in over a Year and a Half

Mortgage rates have hit their lowest point in over a year and a half. And that’s big news if you’ve been sitting on the homebuying sidelines waiting for this moment.Even a small decline i...

KCM Crew | September 17, 2024

For Buyers

The Best Time To Buy a Home This Year

A shift is underway in the housing market this season. And if you’ve been sitting on the sidelines waiting for the right moment to jump back into your homebuying search, this is a great t...

KCM Crew | September 16, 2024

For Sellers

Checklist for Getting Your House Ready To Sell

Some HighlightsGetting your house ready to sell? Here’s a few tips on what you may want to do to prepare.Focus on making it inviting, showing it’s cared for, and boosting your curb appeal...

KCM Crew | September 13, 2024

For Buyers

What To Know About Closing Costs

Now that you’ve decided to buy a home and are ready to make it happen, it’s a good idea to plan ahead for the costs that are a typical part of the homebuying process. And while your down ...

KCM Crew | September 12, 2024

For Buyers

The Real Story Behind What’s Happening with Home Prices

If you’re wondering what’s going on with home prices lately, you’re definitely not the only one. With so much information out there, it can be hard to figure out your next move.As a buyer...

KCM Crew | September 11, 2024

For Buyers

Why Pre-Approval Should Be at the Top of Your Homebuying To-Do List

Since the supply of homes for sale is growing and mortgage rates are coming down, you may be thinking it’s finally your moment to jump into the market. To make sure you’re ready, you need...

KCM Crew | September 10, 2024

For Sellers

The Surprising Amount of Home Equity You’ve Gained over the Years

There are a number of reasons you may be thinking about selling your house. And as you weigh your options, you may find you’re unsure how you’re going to deal with one thing about today’s...

KCM Crew | September 9, 2024

For Buyers

The Latest on the Luxury Home Market

Luxury living is about more than just stunning views and cutting-edge smart home technology—it's about elevating your lifestyle. And if you're in the market for a million-dollar home, now...

KCM Crew | September 5, 2024

Mortgage Rates

How the Federal Reserve’s Next Move Could Impact the Housing Market

Now that it’s September, all eyes are on the Federal Reserve (the Fed). The overwhelming expectation is that they’ll cut the Federal Funds Rate at their upcoming meeting, driven primarily...

KCM Crew | September 4, 2024

For Sellers

Should You Sell Now? The Lifestyle Factors That Could Tip the Scale

Are you on the fence about whether to sell your house now or hold off? It’s a common dilemma, but here’s a key point to consider: your lifestyle might be the biggest factor in your decisi...

KCM Crew | September 3, 2024

For Buyers

Could a 55+ Community Be Right for You?

If you’re thinking about downsizing, you may be hearing about 55+ communities and wondering if they’d be a good fit for you. Here’s some information that could help you make your decision...

KCM Crew | September 2, 2024

For Sellers

How To Avoid Today's Top Seller Mistakes

Some HighlightsWant to know some of the top mistakes sellers are making today and how to make sure they don’t happen to you too?The biggest missteps are pricing a house too high, skipping...

KCM Crew | August 30, 2024

For Buyers

Are We Heading into a Balanced Market?

If you’ve been keeping an eye on the housing market over the past couple of years, you know sellers have had the upper hand. But is that going to shift now that inventory is growing? Here...

KCM Crew | August 29, 2024

For Buyers

2025 Housing Market Forecasts: What To Expect

Looking ahead to 2025, it's important to know what experts are projecting for the housing market. And whether you're thinking of buying or selling a home next year, having a clear picture...

KCM Crew | August 28, 2024

For Buyers

What's the Impact of Presidential Elections on the Housing Market?

It’s no surprise that the upcoming Presidential election might have you speculating about what’s ahead. And those unanswered thoughts can quickly spiral, causing fear and uncertainty to s...

KCM Crew | August 27, 2024

Mortgage Rates

What Mortgage Rate Are You Waiting For?

You won’t find anyone who’s going to argue that mortgage rates have had a big impact on housing affordability over the past couple of years. But there is hope on the horizon. Rates have a...

KCM Crew | August 26, 2024

For Buyers

How Growing Inventory Benefits Today's Buyers

Some HighlightsWhile the number of homes for sale varies by local area, nationally we’re up over 36% year-over-year, but still down almost 29% compared to what’s normal.​Here’s what that ...

KCM Crew | August 23, 2024

For Buyers

Today’s Biggest Housing Market Myths

Have you ever heard the phrase: don’t believe everything you hear? That’s especially true if you’re thinking about buying or selling a home in today’s housing market. There’s a lot of mis...

KCM Crew | August 22, 2024

For Sellers

The Number One Mistake Sellers Are Making: Overpricing Their House

In today's housing market, many sellers are making a critical mistake: overpricing their houses. This common error can lead to a home sitting on the market for a long time without any off...

KCM Crew | August 21, 2024

For Buyers

How To Choose a Great Local Real Estate Agent

Selecting the right real estate agent can make a world of difference when buying or selling a home. But how do you find the best one? Here are some tips to help you make that big decision...

KCM Crew | August 20, 2024

For Buyers

How Mortgage Rate Changes Impact Your Homebuying Power

If you’re thinking about buying or selling a home, you’ve probably got mortgage rates on your mind. That’s because you’ve likely heard that mortgage rates impact how much you can afford i...

KCM Crew | August 19, 2024

For Buyers

3 Reasons To Move in Today’s Shifting Market

Some HighlightsThe housing market is in a transition. And that gives you 3 key opportunities going into the fall.There are more homes actively for sale. Builders are motivated to sell, so...

KCM Crew | August 16, 2024

For Buyers

What Credit Score Do You Really Need To Buy a House?

When you're thinking about buying a home, your credit score is one of the biggest pieces of the puzzle. Think of it like your financial report card that lenders look at when trying to fig...

KCM Crew | August 15, 2024

Affordability

The Great Wealth Transfer: A New Era of Opportunity

In recent years, there’s been a significant shift in how wealth is distributed among generations. It’s called the Great Wealth Transfer.Historically, the transfer of wealth from one gener...

KCM Crew | August 14, 2024

For Buyers

Is Affordability Starting To Improve?

Over the past couple of years, a lot of people have had a hard time buying a home. And while affordability is still tight, there are signs it's getting a little better and might keep impr...

KCM Crew | August 13, 2024

For Buyers

Are There More Homes for Sale Where You Live?

One of the biggest bright spots in today’s housing market is how much the supply of homes for sale has grown since the beginning of this year. Recent data from Realtor.com shows that nati...

KCM Crew | August 12, 2024

For Sellers

Home Inspections For Sellers: How To Prepare

Some HighlightsIf you’re thinking about selling your house, it’s important to know what the home inspection is and what inspectors look for.As supply grows and buyers regain negotiation p...

KCM Crew | August 9, 2024

For Buyers

Where Will You Go After You Sell?

If you’re planning to sell your house and move, you probably know there’s been a shortage of options available. But here’s the good news: the supply of homes for sale has grown in a lot o...

KCM Crew | August 8, 2024

For Buyers

Mortgage Rates Down a Full Percent from Recent High

Mortgage rates have been one of the hottest topics in the housing market lately because of their impact on affordability. And if you’re someone who’s looking to make a move, you’ve probab...

KCM Crew | August 7, 2024

For Sellers

Helpful Negotiation Tactics for Today’s Housing Market

If you haven’t already heard, homebuyers are regaining some negotiating power in today’s market. And while that doesn’t make this a buyer’s market, it does mean buyers may be able to ask ...

KCM Crew | August 6, 2024

For Sellers

What Every Homeowner Should Know About Their Equity

Curious about selling your home? Understanding how much equity you have is the first step to unlocking what you can afford when you move. And since home prices rose so much over the past ...

KCM Crew | August 5, 2024

Foreclosures

3 Reasons Why We’re Not Headed for a Housing Crash

Some HighlightsBack in 2008, there was an oversupply of homes for sale. Today, there’s an undersupply. The three main sources of inventory show this isn’t like the last time.Existing home...

KCM Crew | August 2, 2024

For Buyers

Why the Sandwich Generation Is Buying Multi-Generational Homes

Are you a part of the Sandwich Generation? According to Realtor.com, that’s a name for the roughly one in six Americans who take care of their children and their parents or grandparents a...

KCM Crew | August 1, 2024

For Sellers

Should You Rent Out or Sell Your House?

Figuring out what to do with your house when you're ready to move can be a big decision. Should you sell it and use the money for your next adventure, or keep it as a rental to build long...

KCM Crew | July 31, 2024

For Sellers

The Biggest Mistakes Sellers Are Making Right Now

The housing market is going through a transition. Higher mortgage rates are causing more moderate buyer activity at the same time the supply of homes for sale is growing.And if you aren’t...

KCM Crew | July 30, 2024

For Buyers

Are Home Prices Going To Come Down?

Today’s headlines and news stories about home prices are confusing and make it tough to know what’s really happening. Some say home prices are heading for a correction, but what do the fa...

KCM Crew | July 29, 2024

For Buyers

Unlocking the Benefits of Your Home's Equity

Some HighlightsEquity is the difference between what your house is worth and what you still owe on your mortgage.The typical homeowner gained $28,000 over the past year and has a grand to...

KCM Crew | July 26, 2024

For Buyers

How the Economy Impacts Mortgage Rates

As someone who’s thinking about buying or selling a home, you’re probably paying close attention to mortgage rates – and wondering what's ahead.One thing that can affect mortgage rates is...

KCM Crew | July 25, 2024

For Buyers

A Newly Built Home May Actually Be More Budget-Friendly

If you’re in the market to buy a home, there’s some exciting news for you. Many people assume that newly built homes are more expensive than existing ones (houses that have already been l...

KCM Crew | July 24, 2024

Foreclosures

Why a Foreclosure Wave Isn’t on the Horizon

Even though data shows inflation is cooling, a lot of people are still feeling the pinch on their wallets. And those high costs on everything from gas to groceries are fueling unnecessary...

KCM Crew | July 23, 2024

For Buyers

How Affordability and Remote Work Are Changing Where People Live

There’s an interesting trend happening in the housing market. People are increasingly moving to more affordable areas, and remote or hybrid work is helping them do it.Consider Moving to a...

KCM Crew | July 22, 2024

For Buyers

The Biggest Mistakes Homebuyers Are Making Right Now

Some HighlightsWant to know the biggest mistakes homebuyers are making today?They include everything from putting off pre-approval for too long, holding out for the perfect home, buying m...

KCM Crew | July 19, 2024

For Buyers

Unlocking Homebuyer Opportunities in 2024

There’s no arguing this past year has been difficult for homebuyers. And if you’re someone who has started the process of searching for a home, maybe you put your search on hold because t...

KCM Crew | July 18, 2024

For Sellers

Why Fixing Up Your House Can Help It Sell Faster

 If you’re thinking about selling your house, you should know there are buyers who are ready and able to pay today’s high prices. But they want a home that’s move-in ready. A recent press...

KCM Crew | July 17, 2024

For Buyers

How To Determine if You’re Ready To Buy a Home

If you’re trying to decide if you’re ready to buy a home, there’s probably a lot on your mind. You’re thinking about your finances, today’s mortgage rates and home prices, the limited sup...

KCM Crew | July 16, 2024

Agent Value

Why Working with a Real Estate Professional Is Crucial Right Now

Navigating the housing market can be tricky, especially these days. That's why having an experienced guide when buying or selling a home is so important. The market isn't exactly straight...

KCM Crew | July 15, 2024

Infographics

How Do Presidential Elections Impact the Housing Market?

Some HighlightsAre you wondering if the upcoming election will have an impact on the housing market? Here’s what history tells us you need to know if you’re considering a move.​Data shows...

KCM Crew | July 12, 2024

For Sellers

Why Moving to a Smaller Home After Retirement Makes Life Easier

Retirement is a time for relaxation, adventure, and enjoying the things you love. As you imagine this exciting new chapter in your life, it's important to think about whether your current...

KCM Crew | July 11, 2024

For Buyers

The Price of Perfection: Don’t Wait for the Perfect Home

In life, patience is a virtue – but in the world of homebuying, waiting too long in hopes of finding the perfect home actually isn't wise. That’s because the pursuit of perfection comes a...

KCM Crew | July 10, 2024

For Sellers

Why Your Asking Price Matters Even More Right Now

If you’re thinking about selling your house, here’s something you really need to know. Even though it’s still a seller’s market today, you can’t pick just any price for your listing.While...

KCM Crew | July 9, 2024

Foreclosures

Not a Crash: 3 Graphs That Show How Today’s Inventory Differs from 2008

Even if you didn't own a home at the time, you probably remember the housing crisis in 2008. That crash impacted the lives of countless people, and many now live with the worry that somet...

KCM Crew | July 8, 2024

For Buyers

Things To Avoid After Applying for a Mortgage [INFOGRAPHIC]

Some HighlightsThere are a few key things you’ll want to avoid after applying for a mortgage to make sure you’re in the best position when you get to the closing table.Don’t change bank a...

KCM Crew | July 5, 2024

For Buyers

Homeownership: The Heart of the American Dream

Everyone’s vision for the future is personal and unique. But for many, common goals include success, freedom, and prosperity — values closely tied to having your own home and the iconic f...

KCM Crew | July 4, 2024

For Sellers

Homeowners Gained $28K in Equity over the Past Year

If you own a home, your net worth has probably gone up a lot over the past year. Home prices have been rising, which means you're building equity much faster than you might think. Here’s ...

KCM Crew | July 3, 2024

For Buyers

Real Estate Still Holds the Title of Best Long-Term Investment

With all the headlines circulating about home prices and mortgage rates, you may be asking yourself if it still makes sense to buy a home right now, or if it’s better to keep renting. Her...

KCM Crew | July 2, 2024

For Sellers

What To Do When Your House Didn’t Sell

If your listing expired and your house didn’t sell, it’s totally natural to feel a mix of frustration and disappointment. And as you’re working through that, you’re probably also wonderin...

KCM Crew | July 1, 2024

Infographics

Housing Market Forecast for the 2nd Half of 2024 [INFOGRAPHIC]

Some HighlightsWondering what the second half of the year holds for the housing market? Here’s what expert forecasts say. Home prices are expected to climb moderately. Mortgage rates are ...

KCM Crew | June 28, 2024

For Buyers

The Difference Between an Inspection and an Appraisal

When you decide to buy your first home, you may come across a number of terms and conditions you’re not familiar with. While you may have a general idea of what an inspection is, maybe yo...

KCM Crew | June 27, 2024

For Buyers

Focus on Time in the Market, Not Timing the Market

Should you buy a home now or should you wait? That’s a big question on many people’s minds today. And while what timing is right for you will depend on a lot of other personal factors, he...

KCM Crew | June 26, 2024

For Sellers

How Long Will It Take To Sell My House?

You want your house to sell fast. And you may be wondering how long the whole process is going to take. One way to get your answer? Work with a local real estate agent.They have the exper...

KCM Crew | June 25, 2024

For Buyers

Housing Market Forecast: What’s Ahead for the 2nd Half of 2024

As we move into the second half of 2024, here’s what experts say you should expect for home prices, mortgage rates, and home sales.Home Prices Are Expected To Climb ModeratelyHome prices ...

KCM Crew | June 24, 2024

For Sellers

The Downsides of Selling Your House Without an Agent

Some HighlightsConsidering selling your house without an agent? You should know there are some serious downsides to handling it on your own.You’ll be missing out on marketing tools that d...

KCM Crew | June 21, 2024

For Buyers

Why a Vacation Home Is the Ultimate Summer Upgrade

Summer is officially here and that means it’s the perfect time to start planning where you want to vacation and unwind this season. If you’re excited about getting away and having some fu...

KCM Crew | June 20, 2024

For Buyers

What You Need To Know About Today’s Down Payment Programs

There's no denying it's gotten more challenging to buy a home, especially with today's mortgage rates and home price appreciation. And that may be one of the big reasons you’re eager to l...

KCM Crew | June 19, 2024