The proposed multi-state Attorneys General Wall Street bank fraud settlement has been the top-watch of foreclosure defense families and attorneys at war with the banks.

The disapproval of this settlement ranks highest among those in the throws of research and who understand the mathematics (or lack of) bantered about by various news stories.

The real statistics are staggering.  Look at a home like a media Household (HH) and the multiplier is 2.8* per HH. This mis-perception of who is a “responsible” homeowner and the idea of only helping those that are “current” with their payments stems from an uneducated, mentally biased thought process … and sometimes becomes ignorant political rhetoric – “ignorant” because the voice behind the curtain doesn’t comprehend the actualities – and is merely trying to garner votes.

BY ABIGAIL CAPLOVITZ FIELD | FEBRUARY 2, 2012

WARNING: Attention homeowners: Do not read this post as legal advice. Although the information in this post is true, securitization fail, even of your loan, will not typically prevent the bank from foreclosing on you, unless you have a good lawyer. Even then, realistic end game is a sustainable modification, not a free house. More after the post.

The criminal securities fraud at the heart of the financial crisis has onevery under-reported aspect: “securitization fail.” Once you understand the securitization fail concept, you can instantly, with tremendous clarity, see the scale of the fraud the Bailed Out Banks and Wall Street firms committed and commit every day. Get securitization fail, and the bankers’ crimes stand out like a vast herd of bison on the South Dakota prairie, a herd much bigger than this one.

Perhaps the most critical insight that flows from understanding securitization fail, however, is that the crimes will continue so long as we are processing foreclosures. When you understand securitization fail, you understand the scale of liability the Bailed Out Bankers created for themselves, and why foreclosure fraud is their preferred escape route. In fact, you’ll understand why the banks will continue to commit foreclosure fraud regardless of signing the settlement with law enforcers. Get securitization fail and you understand that a thorough investigation could straightforwardly document it, and create so much leverage for law enforcement that it could essentially dictate terms of settlement.

Caving on Securitization Fail

So that’s the multi-billion dollar question about the servicer “settlement” being foisted on the states by the big banks and the feds: is any attorney general who signs up for it is giving up any claims related to securitization fail and all the leverage that flows from them? Based on Nevada AG Masto’s letter, it sure looks like the AGs are. I only phrase it as a question because the actual settlement language isn’t public yet, and it runs counter to all the messaging that only post-securities conduct is covered by the settlement. Not that I think the messaging on the settlement is remotely credible as a general matter.

For reasons explained near the end of this post, only two AGs really have securitization fail claims: New York and Delaware. And DE AG Beau Biden has rejected the settlement, but NY AG Eric Schneiderman is flirting with joining in. Given the likely release of securitization fail, Eric Schneiderman’s signing the deal would be a profound betrayal of New Yorkers, and frankly, all Americans.

Ok. To really understand the stakes, you need to understand securitization fail. Before you can understand securitization fail, you have to understand securitization.

The Securitization Idea

Imagine I come to you and say:

hey, have I got a great investment opportunity for you! Give me $100, and you’ll get $106 at the end of the year. Don’t worry, it’s virtually a sure thing. See, I’m going to take your hundred–and a lot of other investors’ $100s, and I’m going to buy the mortgages on houses all over town. And those homeowners’ payments are going to fund $106 to each of you.

But wait–it gets better. We can set this investment opportunity up to give you the lowest possible federal income tax bill. And at the same time, we’ll protect your $106 from my creditors–just in case I go broke. What’s the magic at the heart of the deal that lets us get those extra features, you ask? Simple! Our middleman.

I sell the mortgage loans to the middleman, who buys them with your money. Then the middleman gives you a piece of paper that says he’ll pay you $106 from the mortgage payments, if he can. That’s all it takes!

Well, really, it’s a teeny bit more complicated than that, but not much. There’s really two middlemen, neither human. One is a little paper entity and the other a gigantic Bailed Out Bank.

The little entity is the Trust. The Trust has no human component; it’s essentially a safe-deposit box in the heart of a vault. The Trust owns the mortgage loans for your benefit, gives you the piece of paper saying you get $106 if possible, and otherwise functions like a bank account. That is, mortgage payments are deposited into the trust and then paid out to investors according to the pieces of paper you all have.

The Bailed Out Bank is the Trustee. It’s the Trustee’s job to take care of the Trust. Which really means the Trustee’s job is to make sure you get all the money you were promised, or as close to it as possible, including managing the bank account that is the Trust. So, that’s it: one middleman to own the loans and play bank account (the Trust), and one to take care of the money (the Trustee).

What do I mean that the Trustee has to take care of the money? Just a couple of basic things–it’s not like the Trustee collects mortgage payments or anything. A company called a mortgage servicer does that, “services” the mortgages. Then the servicer gives the money to the Trust, and the Trustee dishes it out. Before any mortgage payments come in, however, the Trustee has one crucial, basic job: make sure the Trust really owns the loans I promise I’m going to sell it.

If the Trust doesn’t really own the loans, you see, our deal blows up. If the Trust doesn’t own the loans, the Trust doesn’t have a right to collect and give out the mortgage payments to you. The Trust also doesn’t have the right to foreclose on the homeowners. And any money the Trust pays you becomes subject to more tax and could be taken by my creditors. So really, my promises to give the Trust clear title to the mortgage loans are the most important promises I make to you; that’s why they’re not only in the contract, but we have the Trustee check to make sure I kept my word. With something so important, it’s like President Reagan said: Trust, but verify.

So that’s the pitch. And as long as I keep my promises in the contracts, and the Trustee double checks, it’s a good deal.

Seeing Securitization Fail

But here’s the thing: buying home mortgage loans isn’t like buying groceries. Special rules apply. Transferring ownership involves …[PLEASE Continue reading on Reality Check]
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By Deadly Clear 

Our lives have drastically changed due to the banksters’ fraud and understanding the issues will help you hold our Representatives in the state and federal governments more accountable for their actions.  Please take the time this weekend to thoroughly read and discuss Abigail Field’s post.  Our futures hinge on how we handle the banksters’ heist.

Deadly Clear related posts:

Delaware Attorney General Beau Biden TOTALLY Gets It!

The New Adventures of Super-Schneiderman – Bad, Bad BNYM!

“The REMICs have failed! “The REMICs have failed!”

Coming Home to Roost – Congressional Oversight Panel, “Banks cannot prove they own the loans…”

New York Attorney General Eric Super-Schneiderman has been appointed by President Obama as a key leader in the investigation.  Needless to say AG Schneiderman has an inside view of the fraud that occurred during and as a result of the previous housing bubble and now, with Federal resources, there it is more likely that the full securitization fraud story will unfold.

Homeowners and their collateral were the “patsys” in this ‘too good to be true’ mortgage dream scheme. Investors were the “marks” or “pigeons” whose monies were scammed to the detriment of Trillion$ in retirement and pension fund accounts that have been obliterated in the biggest Ponzi scheme of the last two civilized centuries.

Yes, someone is accountable which is what this task force has been charged with determining.

The depth of the damage is yet unknown. The crooks had been planning the heist for several decades (and generations). Laws and statutes have been changed in nearly every state in the nation. And Federal laws have been altered and repealed in a planned effort to pull off the worldwide swindle. Economists do not think this was merely a miscalculated error. There was too much precision in the information gathered thus far. And the links to politicians who benefited from the “dole” and sweet favors have already started to surface. Open the doors and let them bolt – if they need to be found …they cannot hide.

BRING THE BANKSTERS TO THEIR KNEES – IT TAKES STATE LEGISLATORS

Unknown to the average citizen are the subtle changes that were nurtured by the banks in our states’ Uniform Commercial Codes.  One very interesting UCC statute is § 3-301 that was revised (along with various others) around the 1990s. The banks pushed the revisions under the guise of curtailing check fraud with claims that it was over-burdening the courts.

When opinion is accepted as fact, perception soon becomes reality, at least for those who share these opinions and cling to the resulting perceptions. Herein lies the reason for the division in America today and unless we make a concerted effort to separate perception from reality, opinion from fact, fiction from truth, that division will continue [JB Williams 2005].

While the President’s State of the Union speech was…better than expected;  he did however, couch a few of his phrases with mis-perceptions that have been bantered about by the banks since the beginning of this financial force majeure.

President Obama spoke about helping “responsible” homeowners as if to say only a few people would qualify for $3000 worth of help (yippee) and added that, “[W]e’ve
all paid the price for lenders who sold mortgages to people who couldn’t afford them, and buyers who knew they couldn’t afford them.”

Let’s look at the mis-perceptions. Who does the President consider to be a “responsible” homeowner? Is it only those who are making their mortgage payments because they still have the same job – maybe a government paycheck? Then we need to turn back the clock to about the turn of the century before the bank fraud and Ponzi scheme entered the scene full bore (they actually have been doing this for years but with more regulations) and induced, seduced and coerced good American families into defective loan products that they [the banks] never intended to sustain.

When we turn back in time (2001) we find solid American middle class citizens building their credit, making their payments and saving their money to be able to afford to own a home. Make no mistake these folks were targeted by the banks.  Look at almost any securitized trust and you’ll see high credit scores – very few, if any, under 640.  Most folks know how hard it is to keep a good credit score and what a watch dog you have to be to make sure nothing negative gets wrongfully applied – because it can take years to get it removed.

Obama Myth #1
Only people currently paying their mortgage are “responsible” homeowners.

FACT:  Folks that bought homes and refinanced had stellar credit – this was not the problem. They made their payments as promised – they were manic about being on time with good reason; because they could not participate in owning, selling, refinancing or investing in real estate without good credit.

Good credit was the ticket into the game – the Super Bowl of high finance for the average American… the biggest ticket item a homeowner would likely ever own. Good, solid credit was the key.  Your good credit score was like an award – the longer you maintained it and the higher it was the more stature you had in the community.

If there was anything good to come from the mortgage bubble – it was the lesson learned to make timely payments and be rewarded with good credit.

Yes, these folks were responsible homeowners and they paid – especially those with the defective option ARM loans – until the banks could not perform and their defective option ARM began to detonate and escalate into obliteration.

Everybody – repeat that; Everybody was sold their mortgage with the promise that they could refinance into a permanent loan before their ARM expired – “as long as they made their payments on time and kept their credit score intact.”  The banks began to fail to perform in 4th quarter 2006 and by mid 2007 subprime credit stopped all but stopped flowing.  The banks had made promises they could not keep and the investors had begun to figure out there were a lot of misrepresentations tied to the Trusts and they began to sue. The homeowner, who had made his payments and just needed to refinance was doomed – this was not his fault.

And as the economy melted – so did the value of his home because it was just as falsely inflated as a Viagra erection.

Not only does the home lose value, the homeowner loses wages from cutbacks (a result of the fraudulent securities), his good credit score deflates – and in some cases he is even forced to file bankruptcy in an effort to protect his home because the banks refused to work with him – it’s a vicious cycle.

This did not happen because of “irresponsible” homeowners.  This was a result of bank fraud on the worldwide economy.

Obama Myth #2
“Lenders who sold mortgages to people who couldn’t afford them, and buyers who knew they couldn’t afford them.” 

Don’t you just want to smack somebody ‘upside the head’ when you hear that?!

FACT: Look, homeowners with a history of good credit were “targeted” by the banks. The banks did not care what the value of the property was – they just wanted a signature. The banks used the homeowner’s credit and willingness to pay as the foundation for the figure that they concocted and and then hunted down an appraiser who would write it up for them.

The appraisals were inflated.  Widely known to be true – testified to in Congress by the Appraisers’ Association, named in just about every investor lawsuit and written in hundreds of Wall Street demise stories and books – there is no doubt. But the homeowner did not know this. We are back to fraud again.

Appraisers are going to hoot and holler that they followed the rules – but see if you can find just one appraiser that never ever had a loan officer or real estate agent tell them the price of the contract – it was just the way business was done during the boom and nobody knew any better – except the banks. All it takes is one or two bad apples to spoil the entire barrel.

The homeowners made their decision to buy based on the value of the property. No idiot is going to buy a property for more than the appraisal price tag telling him what the property is worth – and no honest bank is going to lend – unless the schmuck is willing to buy back the difference plus the down payment and a couple of points for being stupid.

If these properties were GE stock – could you have purchased more than you could afford? Sure, maybe – but with honest GE stock – solid for the last 70 years (like real estate was touted to be, yeah?) you could have sold or traded it whenever you needed to. That was not the case in the mortgage fiasco. Banksters went underground when their credit dried up and they threw the blame on the unsuspecting homeowners – wasn’t that a nifty set-up?!

In most cases, the homeowners were buying what they thought was a good long term investment.  If the real estate market escalated in value as they were told it had for the last 70 years, and in some cases they had personally experienced 100% increases in value over a couple of years – it’s enough to make you a believer. The rapid increases should have been a clue – but new construction was driving the market, cities and towns were growing, it was reasonable to think you had picked a great investment property and awesome place to live and raise a family. The media helped – everywhere there were affirmations that real estate and credit would always be there for you… FDIC insured. Too big to fail.

The initial payments were factored into the homeowner’s budget – until they detonated. And nobody factored the detonation rates into the loan – not even the banks, “don’t worry about that you can always refinance…”.  Nor did the banks factor in a complete collapse. They didn’t care if you failed – but they certainly didn’t think they would.

So, were you sold a home that was more than you could afford? No. Not given the Viagra-like inflated economy and appraisals. If the appraisals had not been inflated, you could have refinanced, sold or maybe not even needed to make a change because you still might have had a job.

Roger Lowenstein, author of THE END OF WALL STREET writes, “household name businesses were firing hordes of workers… The litany of Main Street corporations pruning payrolls soon included Merck, Chrysler, Pratt & Whitney, Yahoo, Xerox, Alcoa and Coca-Cola.  The recession was not only wide, it was deep.“

You can imagine if big name companies were taking a hit, just how much small business owners were impacted - middle class America was being wiped out. Not because they were doing anything wrong – but because Wall Street banks inflated appraisals, systematically abandoned underwriting guidelines and over-rated bonds. The banks wrote more loans than they could legally hold and are now being sued for TRILLION$ by investors. The banks had committed fraud. They defrauded the homeowners into signing contracts that the banks knew were defective and used inflated appraisals to mask their premeditated scheme.

Or… President Obama – were you actually referring to members of Congress whose children, like Nancy Pelosi’s son – Paul Pelosi, Jr., that worked for lenders like Countrywide and “sold mortgages to people who couldn’t afford them” - and is that why there was no applause when you announced the investigative task force? Are members of Congress now holding their breath, as well as their applause, hoping their sweetheart deals are not exposed before the next election?

Finally, President Obama – let’s factor this thought:
The homeowners have skin in this game.

If you level the playing field and start from an equitable approach – you’ll see the homeowner has made substantial payments, taxes, improvements, closing costs and down payments that add up to a significant amount of money that should be taken into consideration.

Screw the ‘interest only’ defective mortgage loans contracts – those deals were based on bankers’ fraud. Let’s take it dollar for dollar and see where we end up? Even on a $1 million property (that was likely worth $500k or less) – the homeowner has paid at least $350k in monthly and down payments for 3 years – and that’s before taxes, insurance or improvements. Let’s add up the chips before we start caving into the banks – the banks are not the victim here.

The banks have shuffled the blame off on the borrowers for long enough. The banks were defrauding and failing long before the borrowers’ defaulted.

Let’s be Deadly Clear -
These mis-perceptions have become a reality that we need to change.

Rumor has it that in a matter of days, after months of negotiation with big banks, the White House may announce a settlement that would let the banks off the hook for their role in the foreclosure crisis — paying a tiny fraction of what’s needed in exchange for blanket immunity from future lawsuits. If this happens will we ever be able to trust him again?

Gathered here are three excellent presentations from this weekend…elaborating on the Wall Street securities fraud, the collapse of the worldwide economies, and the pressure by President Obama for a “Sweetheart Deal” (no prison) for the banks. Obama’s deal would maybe give foreclosure families about $800 each - a pittance! A great education. Jump in, learn and share.

Obama to Use Pension Funds of Ordinary Americans to Pay for Bank Mortgage “Settlement”

Obama’s latest housing market chicanery should come as no surprise. As we discuss below, he will use the State of the Union address to announce a mortgage “settlement” by Federal regulators, and at least some state attorneys general. It’s yet another gambit designed to generate a campaign talking point while making the underlying problem worse.

The president seems to labor under the misapprehension that crimes by members of the elite must be swept under the rug because prosecuting them would destablize the system. What he misses is that we are well past the point where coverups will work, and they may even blow up before the November elections. If nothing else, his settlement pact has a non-trivial Constitutional problem which the Republicans, if they are smart, will use to undermine the deal and discredit the Administration. [Continue reading...]

Yves Smith continues with a VERY good point: “ So if the Republicans were smart, they’d take advantage of a serious weakness in this deal: that it violates the 5th Amendment takings clause. I am told by Bill Frey of Greenwich Financial that a servicer safe harbor provision in HAMP, which was supposed to shield servicers from investor lawsuits over mortgage modifications, was passed by both the House and Senate but was removed in reconciliation because that provision would have run afoul of the 5th Amendment. This settlement is intended to have servicers engage in even more aggressive mortgage modifications and would thus seem to have precisely the same Constitutional problem.“

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If this was a “whether or not” balloon used to test the waters of how well it would be accepted –  it sprung enough leaks to deflate and bury it over the weekend.  Bill Moyers & Company’s segment on Crony Capitalism was outstanding. Talk about stunning information, David Stockman explains how the courtship of politics and high finance rewards the super-rich and corporations and Gretchen Morgenson turns the page with “Corporate Clout” in Washington – how money and political clout enriches big business.

DAVID STOCKMAN: “Money dominates politics. And as a result we have neither capitalism or democracy. We have some kind of — we have crony capitalism.“

GRETCHEN MORGENSON: “The big powered, moneyed institutions are in control in Washington, there’s no doubt about it. You and I don’t have a lobbyist and so we are not represented.“

Moyers opens the expose`stating, “Citigroup Replaces JPMorgan as White House Chief of Staff” discussing President Obama’s inner circle.

“President Obama may call them “fat cats” and stir the rabble against them with populist rhetoric when it serves his purpose, but after the fiscal fiasco, he allowed the culprits to escape virtually scot-free.

And when he’s here in New York, he dines with them frequently and eagerly accepts their big contributions.”  Click here to watch the full video.

BILL MOYERS: “The Bush administration came to the rescue of some of the county’s largest financial institutions, to the tune of 700 billion tax-payer dollars.”

DAVID STOCKMAN: “We elect a new government because the public said, you know, “We’re scared. We want a change.” And who did we get? We got Larry Summers. We got the same guy who had been one of the original architects of the policy in the 1990s, the financialization policy, the too big to fail policy.

Who else did we get? We got Geithner as Secretary of the Treasury. He had been at the Fed in New York in October 2008 bailing out everybody in sight. General Electric got bailed out. Morgan Stanley, Goldman Sachs, all of the banks got bailed out, and the architect of that bailout then becomes the Secretary of the Treasury. So it’s another signal to the financial markets that nothing ever changes. The cronies of capitalism are in charge of policy.”

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BILL MOYERS: “Why should middle class people on Main Street care about how banks are regulated? What difference does it make to them?”

GRETCHEN MORGENSON: “It makes a tremendous difference, Bill, because it affects every part of their lives. When they have to pay higher fees to get access to their money that’s a cost they can ill afford. When banks are luring them into loans that are poisonous and toxic, that are designed to make the bank money and designed not to help the borrower, that is a real concern.”

GRETCHEN MORGENSON: “It could not be more important to rein these institutions in because they affect every piece of your life. They affect your retirement, they affect your everyday expenses, whether you can put food on the table for your family. They permeate your life, and so the degree to which they are making it more onerous to borrow is a huge — has huge consequences.” [...]

BILL MOYERS: “Which brings me to what you described in your column at the end of last year, the ugliest paradox of the financial crisis which you say became clear in 2011.”

GRETCHEN MORGENSON: “Well, as you know, Bill, we’re only really starting to learn the full extent of what went on during the mortgage boom. But one element of it that I find especially troubling is the degree to which minority borrowers, first time borrowers, first time homeowners, immigrants, the least sophisticated people in this country, the very people that the government said they wanted to help become homeowners, to get their piece of the American dream — those people were targeted by these banks because they knew they were unsophisticated.

They were targeted with the most expensive, the most punitive and the most toxic loans bar none. And to me that is such a failure of this country. If we are going to encourage home ownership, let’s not do it on the backs of the very people that we are supposedly trying to help, the most vulnerable people in this country have been hurt the worst by this crisis, families wrecked, homes lost. They were abused in this entire mania and people profited from that abuse and I think that’s wrong.”

BILL MOYERS: “Well, as you know the pushback is, well, they shouldn’t have been encouraged to buy a home, but they should have had the common sense not to buy a home without knowing more about what they were getting into.”

GRETCHEN MORGENSON: “That’s a good argument. But when you talk to people who English is their second language and when you talk to people who have never, you know, had an investment account, who really don’t even maybe have a bank account and you’ve got some slick mortgage broker saying, “Oh, just sign here on the dotted line, everything’s going to be fine,” you can see how that goes awry. I mean, I’m a sophisticated person and, you know, I have to ask multiple questions if I’m looking at one of these mortgage documents.”

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Former New York Governor Eliot Spitzer and Chris Hayes discuss the possibility of a reported agreement that may not hold U.S. banks liable for mishandling mortgage notes.

Is President Obama really going to use the State of the Union speech on Tuesday to announce a deal between big banks and all 50 state attorneys general? And if so, is it going to be a good deal for American homeowners? Or a good deal for the banks? Former NY Governor and Attorney General Eliot Spitzer shares with Chris what he has heard the White House has been pushing for. Click here to watch the full video.

When asked should the Attorneys General cave-in to the White House pressure to settle with the banks, former New York Governor and Attorney General Eliot Spitzer said:

“NO! NO! NO! NO!”

After you’d read and reviewed the facts – hopefully, before President Obama’s State of the Union Address – call and/or email the President and as Yves Smith suggests: “Please call your state attorney general (and your Congressional Legislators) and tell them you think taking from your pension to enrich banks for abusing homeowners is a lousy idea and they should therefore refuse to sign on to the settlement. You can find their phone numbers here. Please call today if you haven’t already. Thanks!“

President Obama has the ability to stop and change the direction of this sweetheart deal. He should reject any deal that benefits the one percent and lets the big banks get away with their crimes. Instead, the president should stand with the 99 percent and push for real accountability and a solution that will help millions of people in this country.

Federal prosecution of financial fraud has reached a 20-year low under the current administration¹. President Obama should reverse this trend and make sure the Wall Street executives responsible for this economic crisis are held responsible. No deal should be cut that lets them off the hook.

Call the White House today and tell the President to stand with the 99% by making sure banks pay their fair share in any settlement over mortgage fraud and illegal foreclosures. 

Call The White House at (202) 456-1111 Here’s what you can say when you call: “Hi, my name is [NAME], and I am calling from [STATE]. I’m calling to ask President Obama to stand up for homeowners and hold Wall Street accountable. We need a full-scale investigation into the big banks and Wall Street, and criminal prosecution for bank executives. Furthermore, any settlement with big banks must include at least $300 billion worth of principal reduction for underwater homeowners.” 1 http://thinkprogress.org/special/2011/11/16/369522/federal-prosecutions-financial-fraud/

Maybe it needs to be dialogue on a new television series – like “Fraud & Foreclosure” … or “Un-Justice”.

The Cuenca transcripts – like the more recent foreclosure orders dissing the borrowers’ rights to challenge the Assignment of Mortgages, instill a vivid picture of the “cow jumped over the moon.”  How does the Judge get from point A to point D without connecting the dots? These Judges are killing the titles.

Is it a premeditated plan coming from a higher cartel? Or is it psychotic indifference? Can you imagine sitting on the bench and not being concerned sua sponte for some 80 year old widow who has made 27 years of payments, was scammed into a short term defective ARM, has lost all of her equity, spent her savings in the modification scheme – and is now getting evicted?  Whoa! Wait a minute!  Where the hell is the justice here?!

With that thought in mind – let’s plead the case with a made for TV opening statement and pretend we have a jury sitting in the court room (that the Judge never intends to allow us have):

Charles A.Lindbergh Sr. was the father of Hana’s beloved “Lucky Lindy” – aviator Charles Lindbergh, who is buried just outside of Hana town in Kipahulu, Hawaii. It made sense to dedicate this post to his father, a Minnesota Congressman from 1907-1917.

One hundred years later, the Congressman’s courageous statements carry the truth of the corruption in Wall Street and government and strike at the very core of our nation, as well as the world’s, economic nightmare.

In 1913, he wrote Banking, Currency, and the Money Trust, and in 1917 he wrote “Why is Your Country at War?”, attributing high finance as America’s involvement in World War I. (According to Eustace Mullins, in his book, PUBLIC CENTRAL BANK – On Reclaiming Our Central Bank And Monetary Policy – plates of Congressman Lindbergh’s second book were confiscated and destroyed by Government agents)

“From now on, depressions will be scientifically created.”
– Congressman Charles A.Lindbergh Sr. , 1913

Wells Fargo Bank is a prominent participant in the “scientifically created” Ponzi scheme that has stripped public pension and retirement funds, fraudulently foreclosed and confiscated properties, inflated appraisals, systematically abandoned underwriting guidelines and over-rated bonds that caused the collapse of the world economy.

What’s worse, and is speeding like a bullet into the bright spotlight, these banks – including Wells Fargo, failed to assigned the mortgage loan documents to the trusts that the investors bought. Pursuant to the trust documents and New York common law – late assignments are invalid – they are VOID, worthless, fraudulent – outright forgeries.

It’s a gutsy move to try to continue the ruse of a fraudulent non-judicial foreclose and come to Hana, Maui to unlawfully evict a family who has lived on the land for over 100 years, especially given the property during the Great Mahele. National media attention has already started to rally behind the homeowners.  ”Hawaii” has always been a favorite broadcast media buzz word and now… yes, now we have a case with PROOF of blatant fraud and forgery.

The Assignment of Mortgage is the most telling document and is not readily available to the borrowers because it is not filed under their name – you need a recordation search. And if you don’t know it exists – its hard to find something you don’t know about.  Assignments are usually fabricated right before the foreclosure notice.  If your loan is in a trust – and you don’t have an assignment in the public recordation files – its too late now.

Here, on the Phillips-Tehiva property is an assignment made in June 2010 and recorded in the public records in July 2010.  It doesn’t matter because its 3 years too late.  The REMIC died at birth.  The document is bogus – void.  Additionally, Sand Canyon was out of business by April 2008 (2 years earlier) and that doesn’t matter either because Sand Canyon never had the power to assign the mortgage loan into the trust to begin with – even if it was timely and they were still in business.  Likely, the servicer AHMSI is the culprit – or they aided and abetted Wells Fargo as Trustee trying to pull off the untimely heist.  It doesn’t matter – fraud is fraud.

Renown fraud examiner, Marie McDonnell, noted in her Phillips-Tehiva forensics report on page 13 (TEHIVA FORECLOSURE FORENSICS & EXHIBITS (MTM), 12.26.2011) that:

“(23) Moreover, the individual who executed the Assignment, Kathy Smith (“Smith”), is not an employee of Sand Canyon Corporation. Sand Canyon is located in Irvine, California whereas the Assignment was executed and notarized in Jacksonville, Florida.

(24) On information and belief, Smith works for Lender Processing Services (“LPS”) which is headquartered in Jacksonville, Florida. Linda Bayless, the Notary Public who witnessed
Smith’s signature, indicates in her jurat that this document was executed before her in
Jacksonville, Florida.

(25) The Assignment of Mortgage referenced herein executed by Kathy Smith is the questioned “breeder document” from which all other documents necessary to complete the foreclosure, sale, and transfer of the Tehiva Property to Wells Fargo Bank, NA a National Association as Trustee for Soundview Home Loan Trust 2007-OPT2, Asset-Backed Certificates, Series 2007-OPT2 arise.

(26) If the Assignment is invalid, then all subsequent acts that depend on the Assignment must also fail.”

You would think that this information  would be enough for any astute Judge to make a compassionate ruling of preliminary injunction for a month until these issues could be heard. It’s the Christmas holiday… Ho! Ho! Ho! Hell No. That was not to be. The lower District Court judge – whose name is unknown because he didn’t sign the DENIED order, provided no instruction letter for justification why the TRO was not granted, and caused a Notice of Appeal to a higher court to be filed and an Emergency Motion for Stay Pending Hearing to be filed in the Hawaii Intermediate Court of Appeals. During the holidays, imagine!

Well, Charles, it got worse over the next hundred years - just like you predicted.  It only took 100 years for you to be totally vindicated. Maybe Congress should start to study your history – or channel your insight.

Spirits are strong rascals in Hawaii – especially in Hana.  Those that understand this know what I mean.  On Monday, January 2, 2012 we’ll be asking our Aumākua to protect us as we stand united for the Phillips-Tehiva family and maybe Lucky Lindy and his father will arrive – at least in spirit.
_______________________________________________________________________

By DEADLY CLEAR

Just to let you all know we’re not alone in this - Mandelman Matters has a similar case in Raleigh, NC. Martin had a great suggestion – contact everyone at Wells Fargo.  So I did.

Ahem… Excuse me…Are there any DOERS in the house? 

CALLING ALL DOERS!

 ~~~~
HATOTA TEHIVA, JAYDENE PHILLIPS TEHIVA, and JOYCELENE PHILLIPS
Hana, Hawaii 96713
Loan # 111003400
~~~~

And look what I found… a whole list of Email addresses for Wells Fargo execs, but let’s start with letting Mr. John Stumpf know how littler we think of this situation his bank has created.  Let’s let him know we’re here and we’re paying attention… and that there are quite a few of us.

 Chairman of the Board, President, CEO: John.G.Stumpf@wellsfargo.com
~~~~
John Stumpf (415) 396-7018

john.g.stumpf@wellsfargo.com
CEO: John G. Stumpf
420 Montgomery St.
San Francisco, CA 94163
1-866-878-5865

~~~

Sharon Cecil, Assistant to Both
WELLS FARGO HOME MORTGAGE
sharon.cecil@wellsfargo.com

~~~

Todd M. Boothroyd
Senior Counsel, Real Estate Division
Todd.M.Boothroyd@wellsfargo.com

~~~

**** Kovacevich (415) 396-4927
kovacedm@wellsfargo.com

~~~

John Stumpf (415) 396-7018
john.g.stumpf@wellsfargo.com
CEO: John G. Stumpf
420 Montgomery St.
San Francisco, CA 94163
1-866-878-5865

~~~

Mark Oman (515) 324-2035
mark.oman@wellsfargo.com

~~~

Cara Heiden (515) 213-4040
cara.heiden@wellsfargo.com
Executive number for members to use to escalate the mod process 1-800-853-8516.
Executive Communications
MAC X2302-02J 800 S. Jordan Creek Parkway
West Des Moines, IA 50266
515-324-3130
&
515-324-2872

~~~

Denise Erickson
Executive Mortgage Specialist, Office of the President, WF Home Mortgage
MAC X2302-019
1 Home Campus
Des Moines, IA 50328
denise.erickson@wellsfargo.com
1-515-324-2610

~~~

Cara K. Heiden, CEO
WELLS FARGO HOME MORTGAGE
cara.k.heiden@wellsfargo.com

~~~

Mary Coffin, Vice President
WELLS FARGO HOME MORTGAGE
mary.coffin@wellsfargo.com

~~~

And a few more… just in case… 

Executive Vice President, General Counsel: James.M.Strother@wellsfargo.com

Executive Vice President, Controller: Richard.D.Levy@wellsfargo.com

Senior Executive Vice President – Wholesale Banking: David.A.Hoyt@wellsfargo.com

Senior Executive Vice President David.M.Carroll@wellsfargo.com

Senior Executive Vice President: patricia.r.callahan@wellsfargo.com

Senior Executive Vice President, CIO: kevin.a.rhein@wellsfargo.com

Senior EVP, Community Banking: Carrie.L.Tolstedt@wellsfargo.com

Senior Executive Vice President: AVID.MODJTABAI@wellsfargo.com

The Board of Directors, Wells Fargo Bank: BoardCommunications@wellsfargo.com
___________________________________________________________________

Details of the Phillips-Tehiva family eviction can be found here:
Thank you for your assistance. We invite you to come and help us Occupy Phillips-Tehiva. Even if you can’t be here – PLEASE make your voice heard.
Also feel free to contact the local legislators below and extend your support.

CALLING ALL DOERS!

Hawaii State Operator
Phone: 808-586-2211
Office of the Governor 

The Honorable Neil Abercrombie
Governor, State of Hawai`i
Executive Chambers, 
State Capitol
Honolulu, Hawai`i 96813

Gov. Abercrombie is on Facebook:

http://www.facebook.com/GovernorAbercrombie

Phone: 808-586-0034

Fax: 808-586-0006

MAUI OFFICE

2264 Aupuni Street, Suite #1
Wailuku, HI 96793
808-243-5795
Office Hours: Mondays to Fridays from 7:45am to 4:30pm
State ID Hours: Mondays to Fridays from 8:30am to 3:00pm

 Deidre Tegarden, Governor’s Representative is on FACEBOOK
http://facebook.com/deidre.tegarden

• Michelle Ankele-Yamashita, Constituent Services Representative
• Ankele-Yamashita, Michelle E. (H) 808-244-1101
• Tessie Manrique, Clerk

The Honorable Brian Schatz is on FACEBOOK

http://www.facebook.com/BrianSchatz?v=info
Lieutenant Governor, State of Hawai`i
State Capitol
Honolulu, Hawai`i 96813

Phone:(808) 586-0255


Fax: (808) 586-0231

Web: http://hawaii.gov/ltgov
______________________________________________________ 

 Sen. Roz Baker
PH(808) 586-6070
FX (808) 586-6171
email: senbaker@capitol.hawaii.gov

UPDATE – January 3, 2012:
Wells Fargo has agreed to stay the eviction until the hearing of Feb. 7, 2012.

On Friday December 23, 2011 at 4:00 P.M., two days before Christmas, the Phillips-Tehiva Family of Hana, Maui, Hawaii, (6 children, mom, dad and grandmother) received notification of a “criminal trespass” eviction from their home, located on property which has been in the Phillips Family for more than 100 years.

The action, taken by Wells Fargo Bank, occurred after the Phillips-Tehiva Family filed a motion on Thursday, December 22nd for a hearing to review the court’s eviction order based on fraudulent and forged documents.

“This 60(b) Motion is based on new evidence showing that Wells Fargo’s foreclosure was void because of an invalid assignment of the mortgage,” according to the attorney for Phillips-Tehiva, Arnold T. Phillips II (no relation). “A major issue is the fact that this was a securitized loan in which Wells Fargo violated the terms of the securitization agreement,” said attorney Phillips.

The Note and the Mortgage on this loan were required to be transferred, assigned and delivered to the securitized trust vehicle by July 10, 2007 when the securitization deal actually closed. However, the attempt to assign the loan occurred on June 24, 2010, which was three years too late.

The Phillips-Tehiva family of Maui, Hawaii, like millions of other Americans, are besieged and victimized in the fraud and forgery of the Wall Street bank’s mortgage-backed securities Ponzi scheme. Phillips-Tehiva merely tried to follow instructions to modify their loan (after Wall Street’s securitization scheme collapsed the economy in 2008) and were scammed into a fraudulent foreclosure. Originally banks told consumers that they had to miss 3-4 payments to qualify for HAMP, even though homeowners just wanted a slight reduction in payment.  In this case, as Phillips-Tehiva complied with the servicer’s protocol, the Non-Judicial Foreclosure (NJF) occurred while the homeowners thought they were under a modification program.

Over 30 letters and twice as many phone calls transpired between Phillips-Tehiva and the servicer of their Option One loan, AHMSI. Starting on April 10, 2010, AHMSI sends a letter telling Phillips-Tehiva how they can cure their loan that was “placed in foreclosure”.

Phillips-Tehiva sent payments as requested 4 different times.  Each time the payments were returned (of course after some delay of time) and each time the requested amount was escalated. This continued until the servicer effectuated the NJF on March 3, 2011.  This is not a case where the borrower could not or would not make the payments. Phillips-Tehiva followed the servicer’s instructions. AHMSI asked for $2000, then $4500, then $8500 – all in a period of 3 months between April – June 2010.  Each time Phillips-Tehiva complied.

The cat & mouse game continued.  

More phone calls to AHMSI ensued and Phillips-Tehiva was instructed to send more money to AHMSI which they did in a Western Union Quick Collect as instructed by AHMSI in the amount of $4300.00. On January 19, 2011, the Phillips-Tehiva family received a letter from AHMSI returning a “copy” of their $4300.00 payment made on January 15, 2011 and telling them to pick-up the returned payment they had requested from Western Union in 2-3 days. The family immediately called AHMSI and was instructed that the $4300.00 was not enough and that they needed to send another $2400.00 in order to save their modification – which they did.

This was all clearly just a stall tactic in order to foreclose on unsuspecting homeowners and keep them from contacting an attorney until almost too late. What the servicer did not “bank” on was the fact that the Phillips-Tehiva family is one of the 2% that don’t just roll over and walk away.  They did nothing wrong.  They followed instructions. They paid the money requested. And more importantly, this is family land.

Jaydene Phillips-Tehiva wrote letters pleading with the servicer to help her save their home and family land – not knowing that AHMSI was just an intermediary and had no control over their loan and of course, Jaydene had no idea that her loan documents had allegedly been sold to some unknown Trust.

It is CLEAR that Phillips-Tehiva assignment document has been forged to effectuate unlawful foreclosure.

Phillips-Tehiva is not an unusual case. In fact, it is the norm. Laws were manipulated over the past couple of decades to assist in the scheme. Lawmakers have been mesmerized by campaign cash and lobbying that is akin to bribery in order to make statutory changes  in both state and federal governments that led to the world’s largest international Ponzi scheme perpetrated by the Wall Street banks.  This isn’t an assumption – this is a FACT.

The point of fraud that is finally getting a spotlight is the Assignment of Mortgage.

As Adam Levitin, Associate Professor of Law Georgetown University Law Center and Marie McDonnell, MCDONNELL PROPERTY ANALYTICS, INC., a Mortgage Fraud and Forensic Analyst and a Certified Fraud Examiner credentialed by the Association of Certified Fraud Examiners have testified that mortgage loans not properly and timely transferred into the Trusts is a critical issue.

“If the notes and mortgages were not transferred to the trust, then the trust lacks standing to foreclose.”  [Source: Professor Levitin testimony before the House Financial Services Committee Subcommittee on Housing and Community Opportunity on Nov. 18, 2010]

The reason this “Assignment of Mortgage” issue has recently vaulted to the forefront of foreclosure defense is due to the fact that it has become increasingly apparent that the mortgage loan documents were NEVER properly assigned to the TRUSTs as dictated by the Trust controlling documents called Pooling & Servicing Agreements. It is yet another example of the never-ending fraud committed by the Wall Street banks

The entire mortgage-backed securities Ponzi scheme is fraught with fraud and forgery and the banks want to get out of the “bad paper” that they created. Maybe it’s because the banks (and the government) don’t want the investors to find out that the banks manipulated the assets (mortgage loans).  ”If the notes and mortgages were not properly transferred to the trusts, then the mortgage-backed securities (MBS) that the investors’ purchased were in fact non-mortgage-backed securities. In such a case, investors would have a claim for the rescission of the MBS, meaning that the securitization would be unwound, with investors receiving back their original payments at par (possibly with interest at the judgment rate),” says Levitin, Congressional Testimony at page 20.

Rescission would mean that the bank who securitized the Trust would have the notes and mortgages float back on its books. The losses on the loans would be the securitization bank’s, not the MBS investors, and that the securitization bank MUST have sufficient capital for the mortgages. Levitin further adds, “If this problem exists on a wide-scale, there is not the capital in the financial system to pay for the rescission claims; the rescission claims would be in the trillions of dollars, making the major banking institutions in the United States would be insolvent.”  This is the real reason there are foreclosures and evictions.  The banks wrote more loans than they can legally hold.  Repeat that.  Do you get it yet? No, this isn’t ethically or legally sound reasoning  -  it is, however – a very sad FACT.

The Bottom-line facts that must be recognized by astute legal professionals, before and behind the “bench” – Assignments of Mortgage in a MBS typically involve a transfer of the assets to a New York common law trust. Transfers to New York common law trusts are governed by the common law of gifts. In New York, such a transfer requires actual delivery of the transferred assets in a manner such that no one else could possibly claim ownership (see Levitin Testimony). It is unlawful – actually invalid – void to try and transfer the mortgage loan documents after the trust has closed.  It’s just too damn late. And let’s face it, investors know this – they don’t want to admit these facts – but they know this and they are facing the loss of REMIC shelter and will probably have to pay the IRS.

Phillips-Tehiva have learned and confirmed through a full report (TEHIVA FORECLOSURE FORENSICS & EXHIBITS (MTM), 12.26.2011) by Marie McDonnell, McDonnell Property Analytics, Inc., of   Dedham, MA, the Assignment of Mortgage used by Wells Fargo Bank, N.A, a National Association as Trustee for Soundview Home Loan Trust 2007-OPT2 to effectuate a non-judicial foreclosure was fraudulent.  As stated by securitization forensics expert, Marie McDonnell:

Marie McDonnell has been auditing residential mortgage transactions throughout the nation on behalf of consumers and their attorneys since 1991. With 25 years of experience in the field, McDonnell is a pioneer in the field of forensic mortgage analysis and mortgage fraud examination. In the spring of 2009, McDonnell intervened in the now famous cases styled U.S. Bank v. Ibanez and Wells Fargo Bank v. LaRace. She submitted two expert reports to the trial court and a definitive Amicus Brief to the Massachusetts Supreme Judicial Court that revealed the fatal defects in the securitization of the Ibanez and LaRace loans that led the trial court judge to overturn these two foreclosures. In September 2011, Marie submitted an Amicus Brief to the Massachusetts Supreme Judicial Court in the matter of Eaton v. Fannie Mae in which she exposed a fraudulent assignment of mortgage belied the wrongful foreclosure of Eaton’s property.

Tonight, Phillips-Tehiva has an Emergency motion before Maui Judge Kawano to review for a TRO stay until February 7, 2012 when the entire 60(b) motion can be heard. Please say a prayer; but for the grace of God go all of us.

Nobody wants to think that the Wall Street banks executives are a bunch of criminals – but the facts speak for themselves.  We all have to answer to our own divine power when the time comes to leave this earth; and no matter how much fun that money and influence can buy, when you meet temptation – be compassionate, be ethical and act with the greatest of integrity, and above all - Always Let Your Conscience Be Your Guide!

Banks “who engaged in fraudulent behavior should not be granted criminal or civil immunity for potential wrongdoing related to illegal mortgage and foreclosure practices…the Federal Government and State attorneys general should proceed with full investigations into claims of fraudulent behavior by the banks”  CLICK HERE for video.

ALEX: “…do we have further to go on this?”

AG BIDEN: “… I know for sure we have further to go on investigations. We’ve done 20 housing workshops across the state of Delaware as my colleagues all across the country are doing. Where you have home owners coming in and telling stories of just awful egregious conduct by many of these servicing banks. Telling stories of a person that is in negotiation with the bank about something short of a foreclosure. In entering into what they believe to be a modification of their note from $1,000, $800. They say if you do that for three months, we’ll make it permanent. And on the 91st day or the 100th day, the bank calls up and says, we’re foreclosuring on you, anyway. These stories I’m trying to articulate are all over our state, all over the country and that’s why you have 50 attorneys general united in investigating the banks. You know somebody is doing something wrong when all 50 AGs are seeing something wrong.

… what they’re articulating is just incredible frustration. And that is the frustration really borne out of a lack of accountability. In 2008, the American citizens lost $16 Trillion in wealth. That’s with a “T”, not a “b”, a “T”.

$16 trillion in wealth vanished. It just didn’t vanish because it was a cyclical downturn in the economy. It vanished because what of happened to the economy. What happened to the economy was a manmade disaster, not a natural disaster. Whether you’re in the tea party or a 99%er or anywhere in between, which is most of America, in between, you’re mad as heck because there’s been no accountability. $16 trillion flushed down the toilet on something happening in the economy that men and women and entities caused and no one has been held accountable in any way shape or form. More people went to jail in the savings and loan crisis. Over 1,000 for something that was, was minor compared to what we experience over the last three years in our economy.”

BIDEN CONTINUES: “…When you’re about to lose your home, it’s like losing a child and it is the most, it is an incredibly, incredibly painful thing to have to endure, to wake up and to have to fight against. There are people who are going to be foreclosed upon because they’re unable to pay their bills. That’s appropriate in many cases. But the problem here is that the servicing arms of these banks are foreclosuring at such a rapid rate because it is, they are incentivized to foreclosure. They are not incentivized to have a discussion about something short of foreclosure. The big issue here is that the banks make it almost impossible for the borrower to get them on the phone, to have a meaningful discussion in good faith about something sort of foreclosure. a short sale, mortgage modification. Lower the interest rate, you can make the bank whole and you can make the borrower whole, but keep them in the house.
… I challenge anyone listening to find out who actually owns their mortgage and have a meaningful discussion about whether or not there can be some modification of the mortgage. By the way, you should try to do this before you’re in trouble. Because when you do it when you’re in trouble, then the clock is ticking against you.”

[THE INTERVIEW CONTINUES...]

BIDEN: “…and I’m not going to give up and forgo my responsibility to investigate the entire thing on the limited issue of servicing. That’s why I probably won’t be a member of that settlement. That’s why I think you’ll see other attorneys general beginning to walk away from it. That’s why I think you begin to see Catherine Cortez Masto [Nevada], Masto the leader, she was the first to sue the banks almost 18, 20 months ago, as well as Kamala Harris [California], Martha Coakley up in Massachusetts. The list goes on of all people who are not going to forgo and give up their responsibility to investigate all aspects of the fraud that took place and was perpetrated on borrowers and consumers in this country.”
________________________________________________________________________
By DEADLY CLEAR

The banks wrote more loans than they can hold. There are not enough lifeboats for everyone and the ship is sinking. Realistically, Washington, DC cannot come up with an easy answer. They’ve already stated they don’t know what to do. The majority of America is “Against Wall Street Immunity”.

Unless the federal government wants to create a new housing agency or smart state legislators decide to take over the mortgages in their states and reconstruct the loans with the borrowers – the banks must continue to foreclose because they cannot hold all the mortgage they wrote.

Hundreds of mortgage lenders made a planned exit during and after this fiasco. They’ve bankrupted, gone out of business, dissolved – but the majority of loan originators have disappeared. Those smaller banks and credit unions that wrote loans and sold them to Wall Street through funding warehouses can’t take them over because they don’t have enough depositor leverage (9:1 ratio) to hold the liabilities. Certainly Wall Street banks can’t maintain them legally because as it is they are using the vacant REO properties to prop up their asset sheets.  Make it a “mortgage” – it becomes a liability and they are barely keeping afloat as it is.

There are very few alternatives other than eminent domain or for the courts to start weeding out those banks and trusts that have no standing because the assignment of mortgage documents were fraudulent manufactured and failed to be timely and properly assigned to the trusts and dismiss the foreclosure and eviction actions with prejudice.

While that may give the homeowner a home free and clear it doesn’t create a “moral hazard” relating to the homeowners – they didn’t collapse the economy – THE BANKS DID…that’s why the “good” AGs are investigating. Just remember your honor, it’s the banks that committed the fraud and collapsed the economy and they don’t have enough money to make every one whole. Compare that $20 Billion they are offering to the $16 Trillion they scammed – it’s a pittance. Think about it.

And just because you eliminate the mortgage doesn’t mean that there won’t be one in the future for repairs, additions, sales, etc.  Hopefully, by the next round of mortgage lending and investing there will be a Congress in place that will regulate this looney toon business and borrowers won’t too soon forget how they were targeted and taken advantage of by unscrupulous bankers – a repeat of the 1930s that our grandfathers warned our parents about and we thought could never happen – well, it did.

Well, Judges – guess it’s up to you.  You can continue to irresponsibly throw people out of their homes when you know what fraud looks like and you are seeing it in nearly every mortgage foreclosure case in your court.  You can’t save your pension, but you can save our economy.

Dismiss the banks – WITH PREJUDICE.  And let’s put our country back together.

As always, please pass this blog along to your friends and family.  Knowledge is powerful.

As President Obama met with no aloha and world leaders last month at the Asia-Pacific Economic Cooperation (APEC) meeting in Hawaii to discuss how to bolster global trade, Occupy Honolulu protested economic inequity that they say would result from new trade agreements. Meanwhile, within the heavily guarded compound where the summit took place, renowned Hawaiian musician and guitarist Makana carried out his own act of protest.

Makana had been invited to play instrumental music at the gala dinner Saturday night. At the dinner, Makana opened his jacket to reveal a t-shirt which read, “Occupy with Aloha.”

Then, instead of performing the background instrumental he was scheduled to play, he started to sing a protest song he had released earlier that day. As world leaders including Obama and Chinese Premier Hu Jintao sat in the audience… Listen to Makana sing the incredible “We are the Many”…his new song inspired by the Occupy Wall Street movement, “We are the Many.” 

“It was an incredible experience to sing the words, those words…” said Makana

“I started out very subtly and subliminally. And I was like, ‘Ye come here, gather ’round the stage. The time has come for us to voice our rage,’” Makana says. “Then I realized that, ‘Wow! I didn’t get in trouble!’ So I played it again.”  ”It was an epic feeling… it felt right.”  Makana continues, “I found it odd that I was afraid to do it at first…I found it disturbing… I didn’t like being afraid to sing a song that I created.”

The full internationally acclaimed version is below – please take the time to listen and pass along to your friends and family.

Mahalo, Makana. Your words and your voice are uplifting and inspirational.