FR Y-14Q Retail schedule - International Home Equity

FR Y-14Q: International Home Equity Schedule Instructions

FR Y-14Q: International Home Equity Schedule Instructions
This document provides general guidance and data definitions for the International Home Equity Schedule. This
schedule applies to international loans (not US or US territories) secured by real estate reported on line 1 of schedule
HC-C of the FR-Y9C, that meet the loan criteria of line item 1.c.1 and 1.c.2.b of schedule HC-C of the FR-Y9C. Note
that this includes international first lien and second lien home equity lines. For international first mortgages, see the
separate instructions and schedules.
For the first reporting period (September 2011), BHCs should report monthly portfolio-level data for the international
home equity portfolio by segments from January 2007 to the first reporting period. For subsequent periods, the
reporting bank holding company (BHC) is required to report data for the months within the reporting period. The
required segmentations are presented in Table A below.
Reporting BHCs should segment the international home equity portfolio by: product type; original FICO score or
equivalent; geography; vintage; original loan-to-value (LTV) (or CLTV for 2nds); and delinquency status. Report only
owned loans. Include both held for investment (HFI) and held for sale (HFS) loans. More information on each of these
segments can be found in Section A of these instructions. Start each row of data with your BHC name (SAS Variable:
BHC_NAME), your RSSD ID number (SAS Variable: RSSD_ID), the reporting month (SAS Variable:
REPORTING_MONTH), and Portfolio ID (SAS Variable: PORTFOLIO_ID) (use IntHE for the portfolio ID within this
schedule).
Table B below lists the summary variables that are to be reported for each portfolio segment. Definitions for each of
these variables can be found in Section B, Summary Variables, of these instructions. Provide all dollar unit data in
millions of dollars ($ Millions). Reporting BHCs should use the SAS variable names and SAS data types provided on
the table for the submission.
The International Home Equity Example Data File exhibit provides an example of the dataset to be submitted.
Columns D to K of this worksheet indicate the specific reported segments while the remaining columns contain the
requested summary variables. Rows 3 to 60 are for the following specific segment: HELOAN; original FICO score or
equivalent <=660; in Canada; originated in 2007 or before; with an original (C)LTV of <80%; and current or 1-29 days
past due (DPD) delinquency status. A new segment starts in row 61. This segment has the same characteristics as the
prior segment except that it covers loans 30-89 days past due. There are two product type segments, three
origination FICO score segments, four geography segments, two vintage segments, two original LTV segments, and
five delinquency status segments. This results in a maximum size dataset with 480 rows of data per reporting month
(2 x 3 x 4 x 2 x 2 x 5 = 480). Submit all data files in SAS format (version 7 or higher) only. Include in the submission
all segments that are not applicable (e.g., there are no loans or accounts in those segments) such that the dataset
always has 480 rows of data per reporting month. For the summary variables, assign a SAS missing value (".") if
information is not applicable or not available.
Reporting BHCs should provide a segment ID for each reported segment. This segment ID should be a unique twelvedigit identifier where each of the pairs of the twelve digits refers to a specific classification for each of the six
segmentation categories. Refer to Table A below for the attribute codes for the six segment categories. For example,
in the International Home Equity Example Data File exhibit, the first segment listed has the segment ID
010101010101 in column D because each of the attributes for this segment is in the primary position of the
1

FR Y-14Q: International Home Equity Schedule Instructions

attributes list in Table A. Starting with Row 61, the second example segment has the segment ID 010101010102
because all of the attributes are the same as the prior segment except that delinquency is now 30-89 days past due,
which is listed in the second position of the attributes list in Table A. Do not drop leading zeros.
For the requested segment-level summary variables, report unpaid principal balance gross of any partial charge-offs
that may have been taken on the loan. For the $ gross contractual charge-offs, $ bankruptcy charge-offs, $
recoveries, and $ net charge-offs report the dollar amount of charge-offs or recoveries for the segment only for the
month that they occurred. For the delinquency status segment, categorize charge-offs or recoveries by delinquency
status at charge-off. A summation of charge-offs or recoveries across the delinquency buckets for a given reporting
month should thus result in the total charge-offs or recoveries recorded by the reporting BHC in that month.
A. Segments
For each of the summary variables and snapshot metrics (to be described in further detail in Section B, Section C,
and Section D), information should be reported for the following segments:
1. Product Type – Reporting BHCs should segment the portfolio into product types based on specific
features of the loan. The portfolio should be segmented into two product types:
a) HELOAN
b) HELOC
2. Original FICO or equivalent – Reporting BHCs should segment the portfolio by original FICO score or
equivalent. Original FICO score or equivalent should be the score upon which the original underwriting
decision was based. If the bank does not have original FICO scores, map the internal score or other
bureau score used to the equivalent FICO score. Divide the portfolio into the following three segments:
a) <= 660
b) > 660
c) N/A—Original FICO or equivalent score is missing or unknown
3. Geography – Reporting BHCs should report the region in which the property is located; divide the
portfolio into the following four geographical area designations:
a) Canada
b) EMEA—Europe, Middle East, and Africa
c) LATAM—Latin America and Caribbean
d) APAC—Asia Pacific
4. Vintage – Vintage refers to the calendar year that the account was originated. There are two possible
vintages to report:
a) 2007 and before
b) 2008 and later
5. Original LTV (or CLTV for 2nds) – The original combined loan-to-value ratio is the original amount of the
loan or line, in addition to any senior liens, divided by the property value at the time of origination.
Divide the portfolio as follows:
a) < 80
2

FR Y-14Q: International Home Equity Schedule Instructions

b) >=80
6. Delinquency Status –Divide the portfolio into the following five delinquency statuses:
a) Current & 1-29 DPD: Accounts that are not past due (accruing and non-accruing) or are 1-29
DPD (accruing and non-accruing) as of month-end.
b) 30-89 DPD: Accounts that are 30 to 89 days past due (accruing and non-accruing) as of
month-end.
c) 90-119 DPD: Accounts that are 90 to 119 days past due (accruing and non-accruing) as of
month-end.
d) 120-179 DPD: Accounts that are 120 to 179 days past due (accruing and non-accruing) as of
month-end.
a) 180+ DPD: Accounts that are 180 or more days past due (accruing and non-accruing) as of
month-end.
B. Summary Variables
For each of the segments described above and for each reference month, report information on the following
summary variables:
1. # Accounts – Total number of accounts on the book for the segment as of month-end.
2. $ Outstandings – Total principal amount outstanding as of the end of the month. This should be reported
as unpaid principal balance (UPB) gross of any charge-offs. In other words, the $ outstanding should not
reflect any accounting based write-downs and should only be reduced to zero when the loan has been
liquidated – either paid in full, charged off, or real estate owned (REO) sold.
3. $ Commitment (HELOC only) – The total dollar amount of HELOC credit lines on the book for the
segment as of month-end. If there is no credit limit on certain accounts, report the purchase or shadow
limit. Report this variable only for HELOC products.
4. # New accounts – The total number of new accounts originated (or purchased) in the given month for
the segment as of month-end.
5. $ New accounts – The total dollar amount of new accounts originated (or purchased) in the given month
for the segment as of month-end.
6. $ New commitments (HELOC only) – The total dollar amount of new HELOC credit lines booked on the
system in the reporting month. Report this variable only for HELOC products.
7. $ Commitment increases (HELOC only) – The dollar amount increase on existing HELOC credit lines in the
reporting-month. Report this variable only for HELOC products.
8. $ Commitment decreases (HELOC only) – The dollar amount decrease on existing HELOC credit lines in
the reporting-month. Report this variable only for HELOC products.
3

FR Y-14Q: International Home Equity Schedule Instructions

9. $ Gross contractual charge-offs – The total unpaid principal balance for the segment that was
contractually charged off during the month. All interim FFIEC write-downs should be included in gross
contractual charge-offs in the month that they are taken. Report principal charge-offs only, not interest
and fees. For the delinquency status segment, categorize charge-offs by the delinquency status at
charge-off.
10. $ Bankruptcy charge-offs – The total unpaid principal balance for the segment that was charged off due
to bankruptcy as of month-end. Report principal charge-offs only, not interest and fees. For the
delinquency status segment, categorize charge-offs by delinquency status at charge-off.
11. $ Recoveries – The total dollar amount of any balance recovery collected during the month from
previously charged-off loans for the segment as of month-end. For the delinquency status segment,
categorize recoveries by delinquency status at charge-off. Recoveries should be reported as a positive
value.
12. $ Net charge-offs – The total unpaid principal balance for the segment that was charged-off in the
reference month, net of any recoveries in the reference month. Report principal charge-offs only, not
interest and fees. Generally, $ net contractual charge-offs should equal [$ gross contractual charge-offs +
$ bankruptcy charge-offs — $ recoveries].
13. Adjustment factor to reconcile $ gross contractual charge-offs to $ net charge-offs – If it is not the case
that $ Net Charge-offs equals [$ Gross Contractual Charge-offs + $ Bankruptcy Charge-offs — $
Recoveries], provide the value of $ Net Contractual Charge-offs minus [$ Gross Contractual Charge-offs +
$ Bankruptcy Charge-offs — $ Recoveries] in this variable. As a separate document included in the
submission, provide an explanation for such a difference (for example, fraud losses are also included in
the BHC’s $ Net Charge-offs variable). If the adjustment factor variable represents more than one factor
leading to the difference, provide a separate breakout of the multiple factors.
14. $ Foreclosure - The total unpaid principal balance of loans in the foreclosure process. These dollars are
pre-REO and should be coded as a foreclosure in the system.
15. $ New foreclosure - The total unpaid principal balance of loans that entered the foreclosure process in
the reporting month. These dollars are pre-REO and should be coded as a foreclosure in the system.
16. $ Real estate owned (REO) - The total Unpaid principal balance of mortgages where the bank has
obtained the title at foreclosure sale and the property is on the market and available for sale. Also
include instances where the bank has obtained the title but the availability for sale is not known
17. $ New REO - The total unpaid principal balance of foreclosed loans where the institution has bought
back the property in auction in the reporting month.

4

FR Y‐14Q: International Home Equity Schedule
Table A
Definition Reference
Report Instruction A ‐ 2
Report Instruction A ‐ 3
Report Instruction A ‐ 4
Report Instruction A ‐ 5
Report Instruction A ‐ 6
Report Instruction A ‐ 7

SAS
Variable Name
PRODUCT_TYPE
ORIG_FICO
GEOGRAPHY
VINTAGE
ORIG_LTV
DLQ_STATUS

Segments
Product Type
Original FICO or Equivalent
Geography
Vintage
Original LTV (or CLTV for 2nds)
Delinquency Status

Please provide all Dollar Unit data in $ Millions.
SAS
SAS
Segment ID
Attribute ID within Segment ID Positions
Data Type Format
Position
01
02
03
04
05
Character char(35)
1‐2
HELOAN
HELOC
Character char(35)
3‐4
> 660
N/A
< =  660
Character char(35)
5‐6
Region 1
Region 2
Region 3
Region 4
Character char(35)
7‐8
2007 and Before
2008 and Later
Character char(35)
9‐10
< 80
>= 80
Character char(35)
11‐12
Current & 1‐29DPD 30 ‐89 DPD
90‐119 DPD 120‐179 DPD 180+ DPD

Table B
Definition Reference
Report Instruction B ‐ 1
Report Instruction B ‐ 2
Report Instruction B ‐ 3
Report Instruction B ‐ 4
Report Instruction B ‐ 5
Report Instruction B ‐ 6
Report Instruction B ‐ 7
Report Instruction B ‐ 8
Report Instruction B ‐ 9
Report Instruction B ‐ 10
Report Instruction B ‐ 11
Report Instruction B ‐ 12
Report Instruction B ‐ 13
Report Instruction B ‐ 14
Report Instruction B ‐ 15
Report Instruction B ‐ 16
Report Instruction B ‐ 17

Summary Variables
# Accounts
$ Outstandings
$ Commitment (for HELOC)
# New Accounts
$ New Accounts
$ New Commitments (for HELOC)
$ Commitment Increases (for HELOC)
$ Commitment Decreases (for HELOC)
$ Gross Contractual Charge‐offs
$ Bankruptcy Charge‐offs
$ Recoveries
$ Net Charge Offs
$ Net Charge Off Reconciliation
$ Foreclosure
$ New Foreclosure
$ REO
$ New REO

SAS
Variable Name
N_ACCT
D_OS
D_COMMITMENT
N_NEW_ACCOUNTS
D_NEW_ACCOUNTS
D_NEW_COMMITMENTS
D_COMMITMENT_INCREASES
D_COMMITMENT_DECREASES
D_GROSS_CONTRACTUAL_CO
D_BANKRUPTCY_CO
D_RECOVERIES
D_NET_CO
D_ADJ_NET_CO
D_FORECLOSURE
D_NEW_FORECLOSURE
D_REO
D_NEW_REO

SAS
Data Type
Numeric
Numeric
Numeric
Numeric
Numeric
Numeric
Numeric
Numeric
Numeric
Numeric
Numeric
Numeric
Numeric
Numeric
Numeric
Numeric
Numeric

SAS
Format
16.
16.6
16.6
16.
16.6
16.6
16.6
16.6
16.6
16.6
16.6
16.6
16.6
16.6
16.6
16.6
16.6

Regions
Region 1
Region 2
Region 3
Region 4

International Geographic Regions
Canada
EMEA‐‐Europe, Middle East, and Africa
LATAM‐‐Latin America and Caribbean
APAC‐‐Asia Pacific

A
B
C
2 Business/Portfolio Identifier Data

3 BHC Name BHC RSSD_ID # Portfolio ID

D
Segments
Segment
ID #

E

F

G

Origination
Product
FICO or
Type
Equivalent Geography

H

I

Vintage

Original LTV
(or CLTV
for 2nds)

J

Delinquency
Status

K

7654321 IntHE

010101010101 HELOAN <= 660

Region 1

2007 and Before < 80

Current + 1‐29 DPD

Jan‐07

5 ABC

7654321 IntHE

010101010101 HELOAN <= 660

Region 1

2007 and Before < 80

Current + 1‐29 DPD

Feb‐07

6 ABC

7654321 IntHE

010101010101 HELOAN <= 660

Region 1

2007 and Before < 80

Current + 1‐29 DPD

7 ABC

7654321 IntHE

010101010101 HELOAN <= 660

Region 1

2007 and Before < 80

Current + 1‐29 DPD

Apr‐07

8 ABC

7654321 IntHE

010101010101 HELOAN <= 660

Region 1

2007 and Before < 80

Current + 1‐29 DPD

May‐07

9 ABC

7654321 IntHE

010101010101 HELOAN <= 660

Region 1

2007 and Before < 80

Current + 1‐29 DPD

7654321 IntHE

010101010101 HELOAN <= 660

Region 1

2007 and Before < 80

Current + 1‐29 DPD

Jul‐07

11 ABC

7654321 IntHE

010101010101 HELOAN <= 660

Region 1

2007 and Before < 80

Current + 1‐29 DPD

Aug‐07

12 ABC

7654321 IntHE

010101010101 HELOAN <= 660

Region 1

2007 and Before < 80

Current + 1‐29 DPD

Sep‐07

7654321 IntHE

010101010101 HELOAN <= 660

Region 1

2007 and Before < 80

Current + 1‐29 DPD

Oct‐07

14 ABC

7654321 IntHE

010101010101 HELOAN <= 660

Region 1

2007 and Before < 80

Current + 1‐29 DPD

Nov‐07

15 ABC

7654321 IntHE

010101010101 HELOAN <= 660

Region 1

2007 and Before < 80

Current + 1‐29 DPD

Dec‐07

16 ABC

7654321 IntHE

010101010101 HELOAN <= 660

Region 1

2007 and Before < 80

Current + 1‐29 DPD

17 ABC

7654321 IntHE

010101010101 HELOAN <= 660

Region 1

2007 and Before < 80

Current + 1‐29 DPD

Feb‐08

18 ABC

7654321 IntHE

010101010101 HELOAN <= 660

Region 1

2007 and Before < 80

Current + 1‐29 DPD

Mar‐08

19 ABC

7654321 IntHE

010101010101 HELOAN <= 660

Region 1

2007 and Before < 80

Current + 1‐29 DPD

Apr‐08

20 ABC

7654321 IntHE

010101010101 HELOAN <= 660

Region 1

2007 and Before < 80

Current + 1‐29 DPD

May‐08

21 ABC

7654321 IntHE

010101010101 HELOAN <= 660

Region 1

2007 and Before < 80

Current + 1‐29 DPD

22 ABC

7654321 IntHE

010101010101 HELOAN <= 660

Region 1

2007 and Before < 80

Current + 1‐29 DPD

Jul‐08

23 ABC

7654321 IntHE

010101010101 HELOAN <= 660

Region 1

2007 and Before < 80

Current + 1‐29 DPD

Aug‐08

24 ABC

7654321 IntHE

010101010101 HELOAN <= 660

Region 1

2007 and Before < 80

Current + 1‐29 DPD

Sep‐08

25 ABC

7654321 IntHE

010101010101 HELOAN <= 660

Region 1

2007 and Before < 80

Current + 1‐29 DPD

Oct‐08

26 ABC

7654321 IntHE

010101010101 HELOAN <= 660

Region 1

2007 and Before < 80

Current + 1‐29 DPD

Nov‐08
Dec‐08

Region 1

2007 and Before < 80

Current + 1‐29 DPD

7654321 IntHE

010101010101 HELOAN <= 660

Region 1

2007 and Before < 80

Current + 1‐29 DPD

Jan‐09

7654321 IntHE

010101010101 HELOAN <= 660

Region 1

2007 and Before < 80

Current + 1‐29 DPD

Feb‐09

30 ABC

7654321 IntHE

010101010101 HELOAN <= 660

Region 1

2007 and Before < 80

Current + 1‐29 DPD

31 ABC

7654321 IntHE

010101010101 HELOAN <= 660

Region 1

2007 and Before < 80

Current + 1‐29 DPD

Apr‐09

32 ABC

7654321 IntHE

010101010101 HELOAN <= 660

Region 1

2007 and Before < 80

Current + 1‐29 DPD

May‐09

33 ABC

7654321 IntHE

010101010101 HELOAN <= 660

Region 1

2007 and Before < 80

Current + 1‐29 DPD

Jun‐09

34 ABC

7654321 IntHE

010101010101 HELOAN <= 660

Region 1

2007 and Before < 80

Current + 1‐29 DPD

Jul‐09

35 ABC

7654321 IntHE

010101010101 HELOAN <= 660

Region 1

2007 and Before < 80

Current + 1‐29 DPD

Aug‐09

36 ABC

7654321 IntHE

010101010101 HELOAN <= 660

Region 1

2007 and Before < 80

Current + 1‐29 DPD

Sep‐09

7654321 IntHE

010101010101 HELOAN <= 660

Region 1

2007 and Before < 80

Current + 1‐29 DPD

Oct‐09

38 ABC

7654321 IntHE

010101010101 HELOAN <= 660

Region 1

2007 and Before < 80

Current + 1‐29 DPD

Nov‐09

39 ABC

7654321 IntHE

010101010101 HELOAN <= 660

Region 1

2007 and Before < 80

Current + 1‐29 DPD

Dec‐09

40 ABC

7654321 IntHE

010101010101 HELOAN <= 660

Region 1

2007 and Before < 80

Current + 1‐29 DPD

41 ABC

7654321 IntHE

010101010101 HELOAN <= 660

Region 1

2007 and Before < 80

Current + 1‐29 DPD

Feb‐10

42 ABC

7654321 IntHE

010101010101 HELOAN <= 660

Region 1

2007 and Before < 80

Current + 1‐29 DPD

Mar‐10

43 ABC

7654321 IntHE

010101010101 HELOAN <= 660

Region 1

2007 and Before < 80

Current + 1‐29 DPD

Apr‐10

44 ABC

7654321 IntHE

010101010101 HELOAN <= 660

Region 1

2007 and Before < 80

Current + 1‐29 DPD

May‐10

45 ABC

7654321 IntHE

010101010101 HELOAN <= 660

Region 1

2007 and Before < 80

Current + 1‐29 DPD

46 ABC

7654321 IntHE

010101010101 HELOAN <= 660

Region 1

2007 and Before < 80

Current + 1‐29 DPD

Jul‐10

47 ABC

7654321 IntHE

010101010101 HELOAN <= 660

Region 1

2007 and Before < 80

Current + 1‐29 DPD

Aug‐10

48 ABC

7654321 IntHE

010101010101 HELOAN <= 660

Region 1

2007 and Before < 80

Current + 1‐29 DPD

Sep‐10

49 ABC

7654321 IntHE

010101010101 HELOAN <= 660

Region 1

2007 and Before < 80

Current + 1‐29 DPD

Oct‐10

50 ABC

7654321 IntHE

010101010101 HELOAN <= 660

Region 1

2007 and Before < 80

Current + 1‐29 DPD

Nov‐10
Dec‐10

Region 1

2007 and Before < 80

Current + 1‐29 DPD

7654321 IntHE

010101010101 HELOAN <= 660

Region 1

2007 and Before < 80

Current + 1‐29 DPD

7654321 IntHE

010101010101 HELOAN <= 660

Region 1

2007 and Before < 80

Current + 1‐29 DPD

Feb‐11

54 ABC

7654321 IntHE

010101010101 HELOAN <= 660

Region 1

2007 and Before < 80

Current + 1‐29 DPD

Mar‐11

55 ABC

7654321 IntHE

010101010101 HELOAN <= 660

Current + 1‐29 DPD

Apr‐11

56 ABC

7654321 IntHE

010101010101 HELOAN <= 660

Region 1

2007 and Before < 80

Current + 1‐29 DPD

May‐11

57 ABC

7654321 IntHE

010101010101 HELOAN <= 660

Region 1

2007 and Before < 80

Current + 1‐29 DPD

Jun‐11

58 ABC

7654321 IntHE

010101010101 HELOAN <= 660

Region 1

2007 and Before < 80

Current + 1‐29 DPD

Jul‐11

59 ABC

7654321 IntHE

010101010101 HELOAN <= 660

Region 1

2007 and Before < 80

Current + 1‐29 DPD

Aug‐11

60 ABC

7654321 IntHE

010101010101 HELOAN <= 660

Region 1

2007 and Before < 80

Current + 1‐29 DPD

Sep‐11

7654321 IntHE

010101010101 HELOAN <= 660

Region 1

2007 and Before < 80

Current + 1‐29 DPD

62 ABC

7654321 IntHE

010101010102 HELOAN <= 660

Region 1

2007 and Before < 80

30‐89 DPD

Jan‐07

63 ABC

7654321 IntHE

010101010102 HELOAN <= 660

Region 1

2007 and Before < 80

30‐89 DPD

Feb‐07

64 ABC

7654321 IntHE

010101010102 HELOAN <= 660

Region 1

2007 and Before < 80

30‐89 DPD

65 ABC

7654321 IntHE

010101010102 HELOAN <= 660

Region 1

2007 and Before < 80

30‐89 DPD

Apr‐07

66 ABC

7654321 IntHE

010101010102 HELOAN <= 660

Region 1

2007 and Before < 80

30‐89 DPD

May‐07

010101010102 HELOAN <= 660

Region 1

2007 and Before < 80

30‐89 DPD

010101010102 HELOAN <= 660

Region 1

2007 and Before < 80

30‐89 DPD

Jul‐07

7654321 IntHE

010101010102 HELOAN <= 660

Region 1

2007 and Before < 80

30‐89 DPD

Aug‐07

70 ABC

7654321 IntHE

010101010102 HELOAN <= 660

Region 1

2007 and Before < 80

30‐89 DPD

Sep‐07

71 ABC

7654321 IntHE

010101010102 HELOAN <= 660

Region 1

2007 and Before < 80

72 ABC

7654321 IntHE

010101010102 HELOAN <= 660

30‐89 DPD

2007 and Before < 80

30‐89 DPD
…

Y

Z

AA

AB

Jun‐07

7654321 IntHE
7654321 IntHE

69 ABC

…

X

Mar‐07

68 ABC

Region 1

W

Oct‐11

67 ABC

…

V

Jan‐11

61 ABC

73

U

Jun‐10

53 ABC

2007 and Before < 80

T

Jan‐10

52 ABC

Region 1

S

Mar‐09

37 ABC

010101010101 HELOAN <= 660

R

Jun‐08

29 ABC

7654321 IntHE

Q

Jan‐08

28 ABC

51 ABC

P

Jun‐07

13 ABC

010101010101 HELOAN <= 660

O

Mar‐07

10 ABC

7654321 IntHE

N

$
$
$ Gross
$ Net
Reporting
#
$
$
# New
$ New
$ New
Commitment Commitment Contractual $ Bankruptcy
$
$ Net
Charge‐off
$
$ New
$ $ New
Month Accounts Outstandings Commitment Origination Origination Commitment
Increases
Decreases Charge‐offs Charge‐offs Recoveries Charge‐offs Reconciliation Foreclosure Foreclosure REO REO

4 ABC

27 ABC

L
M
Summary Variables

Oct‐07
Nov‐07
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