1
EXHIBIT 10.83
Allstate Life Insurance Company
Loan No. 121123
AMENDED AND RESTATED
MORTGAGE NOTE
$16,000,000.00 Las Vegas, Nevada
March 14 , 1996
1. Payment of Principal and Interest. FOR VALUE RECEIVED, OASIS
RESIDENTIAL, INC., a Nevada corporation ("Maker"), hereby promises to pay to
the order of ALLSTATE LIFE INSURANCE COMPANY, and any subsequent holder of this
Note ("Holder" or "Holders") in the manner hereinafter provided, the principal
amount of SIXTEEN MILLION AND NO/100THS DOLLARS ($16,000,000.00) together with
interest on the outstanding principal balance from the date of the initial
disbursement (for purposes of this Note, "disbursement" means the date funds
are wire transferred from Holder's account) of all or a part of the principal
of this Note ("Disbursement Date") until maturity at the rate of seven and
one-tenth percent (7.10%) per annum ("Contract Rate") as follows:
(a) on the Disbursement Date, interest only, in advance, accruing
from the Disbursement Date to the last day of March, 1996 both
inclusive; and
(b) in arrears, on the first day of May, 1996 and on the first day
of each month thereafter until this Note matures, principal and
interest in consecutive equal installments of ONE HUNDRED
FOURTEEN THOUSAND ONE HUNDRED SEVEN AND 40/100THS DOLLARS
($114,107.40) (the initial payment and each subsequent payment
shall each hereinafter be referred to as a "Monthly Payment"),
which amount is calculated using an amortization period of
twenty-five (25) years; and
(c) on April 1, 2008, the entire unpaid principal amount and any
interest accrued but remaining unpaid and all other sums due
under this Note.
Except for the interest payable under paragraph (a) above, interest shall be
payable in arrears and calculated on the basis of a 360 day year containing
twelve 30 day months. All such payments on account of the indebtedness
evidenced by this Note shall be first applied to interest accrued on the unpaid
principal amount and the remainder toward reduction of the unpaid principal
amount.
2. Payment Information. All payments required to be made hereunder
shall be made during regular business hours to Holder at its office at
Commercial Mortgage Loan Servicing Manager, 0000 Xxxxxxx Xxxx, Xxxxx X0X,
Xxxxxxxxxx, Xxxxxxxx 00000, with sufficient information to identify the source
and application of such payment to Xxxxxx's Loan #121123 or at such other place
as Holder may from time to time designate in writing. All payments shall be
made in currency of United States of America without presentment or surrender
of this Note. Payments to Holder shall be made by transferring immediately
available federal funds by bank wire or interbank transfer for the account of
Holder provided, however, that any payment of principal or interest received
after 1:00 p.m. Chicago time shall be deemed to have been received by Xxxxxx on
the next business day and shall bear interest accordingly. If and so long as
Holder directs Maker to make payments to a servicing agent, then payments may
be made by check. Payments made by check will not be deemed made until good
funds for such check are received by Holder or the servicing agent.
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3. Security For Note. The payment of this Note and all other sums
due Holder is secured by (a) an Amended and Restated Deed of Trust, Assignment
of Leases, Rents and Contracts, Security Agreement and Fixture Filing
("Mortgage"), of even date herewith, granted by Maker to Holder, as
beneficiary, covering certain real property, the improvements thereon and
certain personal property situated in the County of Xxxxx, State of Nevada and
described in the Mortgage ("Property"), and (b) those certain instruments of
indebtedness and security described as "Related Agreements" in the Mortgage.
Except as otherwise defined herein, all of the defined terms and provisions
contained in the Mortgage and the Related Agreements are hereby incorporated
herein by express reference.
4. Late Charges. Should any Monthly Payment required under this Note
not be paid in full within 5 days from the date such payment is due, Maker
acknowledges that the Holder will incur extra expenses for the handling of the
delinquent payment and servicing the indebtedness evidenced hereby, and that
the exact amount of these extra expenses is extremely difficult and impractical
to ascertain, but that a charge of five percent (5%) of the amount of the
delinquent payment ("Late Charge") would be a fair approximation of the expense
so incurred by Holder. If applicable law requires a lesser charge, however,
then the maximum charge permitted by such law may be charged by Xxxxxx for said
purpose. Therefore, Maker shall, in such event, without further notice, and
without prejudice to the right of Holder to collect any other amounts provided
to be paid hereunder or under the Mortgage, the Related Agreements or any other
instrument executed for purposes of further securing payment of the obligations
evidenced by this Note, or to declare an Event of Default as defined below, pay
to Holder immediately upon demand the Late Charge to compensate Holder for
expenses incurred in handling delinquent payments.
5. Interest Payable Upon Default. If there occurs an Event of
Default, under this Note or the Mortgage or under any Related Agreement, then
the unpaid principal amount of this Note, and all accrued and unpaid interest
thereon shall bear interest at the Contract Rate plus five percent (5%) per
annum compounded monthly ("Default Rate") from the date of expiration of any
applicable cure or grace period until such time, if any, as the Event of
Default is cured and the Mortgage and this Note are reinstated as permitted by
applicable law, or otherwise until such time as the unpaid principal amount of
this Note and all other indebtedness evidenced by this Note are fully repaid,
whichever is earlier.
6. Events of Default. An "Event of Default" shall exist under this
Note (a) in the event Maker shall fail to make any payment due under this Note,
other than the final payment and Prepayment Premium, within five (5) days from
the date when such payment is due; (b) in the event Maker shall fail to make
the final payment or the Prepayment Premium when such payment is due or (c) if
there shall exist an Event of Default as that term is defined in the Mortgage
or in any of the Related Agreements.
7. Additional Payments. The additional payments called for under
paragraphs 4 and 5 shall be in addition to, and shall in no way limit, any
other rights and remedies provided for in this Note, the Mortgage or in any
Related Agreements, as well as all other remedies provided by law.
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8. Payment of Taxes and Expenses.
(a) Maker further promises to pay to Holder, immediately upon
written notice from Holder: (i) all recordation, transfer, stamp, documentary
or other fees or taxes levied on Holder (exclusive of Holder's income taxes) by
reason of the making or recording of this Note, the Mortgage or any of the
Related Agreements, and (ii) all intangible property taxes levied upon any
Holder of this Note or mortgagee under the Mortgage or secured party under the
Related Agreements.
(b) Maker further promises to pay to Holder, immediately upon
written notice from Holder, all actual costs, expenses, disbursements, escrow
fees, title charges and reasonable legal fees and expenses actually incurred by
Xxxxxx and its counsel in (i) the collection, attempted collection, or
negotiation and documentation of any settlement or workout of the principal
amount of this Note, the interest thereon or any installment of other payment
due hereunder, and (ii) any suit or proceeding whatsoever in regard to this
Note or to protect, sustain or enforce the lien of any instrument securing this
Note, including, without limitation, in any bankruptcy proceeding or judicial
or nonjudicial foreclosure proceeding. It is the intent of the parties that
Maker pay all expenses and reasonable attorneys' fees incurred by Xxxxxx as a
result of Xxxxxx's entering into the loan transaction evidenced by this Note.
9. Prepayment. Maker is prohibited from prepaying this Note until
April 1, 1999 (the "No-Prepayment Period"). Subsequent to the No-Prepayment
Period, at any time with thirty (30) days prior written notice to Holder,
specifying the date of prepayment, Maker will have the privilege of prepaying
the outstanding principal amount together with any accrued but unpaid interest,
any other sums secured by the Mortgage and the Related Agreements and, if at
the time of such prepayment the Prevailing Interest Rate (as hereinafter
defined) is less than the Contract Rate, a Prepayment Premium, as liquidated
damages and not as a penalty. As used herein, the term "Prevailing Interest
Rate" shall mean (a) the yield to maturity on a United States Treasury Bond or
Treasury Note selected by Holder having a maturity date as near as possible to
the original maturity date of this Note and an "ask" price, as close as
possible to par (as published two weeks prior to the specified date of
prepayment in The Wall Street Journal or similar publication or available from
the Federal Reserve Bank of New York) less (b) the Basis Point Adjustment as
computed in accordance with Exhibit A attached hereto. If the Prevailing
Interest Rate is less than the Contract Rate, the Prepayment Premium shall be
the remainder of (x) minus (y) where "(x)" is the present value of all unpaid
installments of principal and interest due under this Note from the date of
prepayment to and including the original maturity date of this Note, discounted
at the Prevailing Interest Rate, and "(y)" is the outstanding principal balance
of this Note as of the prepayment date. If the foregoing calculations result
in a negative number, no Prepayment Premium shall be due, but no credit shall
be due to Maker.
Written notice of Maker's election to make a prepayment in full of
this Note shall be given in the manner provided for notices under the Mortgage.
Partial prepayment of the outstanding principal amount of this Note shall not
be permitted except in accordance with the terms of the Mortgage. In the event
of such a permitted partial prepayment, the Prepayment Premium calculated in
this paragraph 9 shall be prorated based on the amount of the partial
prepayment relative to the then current outstanding principal balance of this
Note.
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Maker acknowledges that Holder (a) has advanced the amounts evidenced
by this Note with the expectation that such amounts would be outstanding for a
period at least equal to the No-Prepayment Period, (b) would not have been
willing to advance such amounts on these terms for a shorter period of time,
(c) in making the loan evidenced by this Note, is relying on Maker's
creditworthiness and its agreement to pay in strict accordance with the terms
set forth in the Note and (d) would not make the loan without full and complete
assurance by Maker of its agreement not to prepay all or a part of the
principal of this Note except as expressly permitted herein and in the
Mortgage. Maker has been advised and acknowledges that Holder is relying on
the receipt of payments under this Note to, among other things, match and
support its obligations under contracts entered into by Holder with third
parties and that in the event of a prepayment, Xxxxxx could suffer loss and
additional expenses which are extremely difficult and impractical to ascertain.
Accordingly, should this Note be paid for any reason, whether voluntary or
involuntary, prior to the end of the No-Prepayment Period then Maker shall pay
to Holder a Prepayment Premium calculated in accordance with this paragraph 9.
BY INITIALING BELOW, MAKER EXPRESSLY ACKNOWLEDGES THAT, PURSUANT TO
THE PROVISIONS OF THIS NOTE AND EXCEPT AS OTHERWISE PROVIDED IN THE MORTGAGE,
MAKER HAS NO RIGHT TO PREPAY THIS NOTE IN WHOLE OR IN PART WITHOUT PAYMENT OF
THE PREPAYMENT PREMIUM AND MAKER SHALL BE LIABLE FOR THE PAYMENT OF THE
PREPAYMENT PREMIUM UPON ANY PAYMENT OF THE OUTSTANDING PRINCIPAL OF THIS NOTE
BEFORE ITS DUE DATE, WHETHER VOLUNTARY OR INVOLUNTARY OR AFTER ACCELERATION OF
THE NOTE WHETHER THE ACCELERATION OF THE MATURITY HEREOF IS DUE TO MAKER'S
DEFAULT OR OTHERWISE. FURTHERMORE, BY INITIALING BELOW, MAKER WAIVES ANY
RIGHTS IT MAY HAVE UNDER ANY APPLICABLE STATE LAWS AS THEY RELATE TO ANY
PREPAYMENT RESTRICTIONS CONTAINED IN THIS PARAGRAPH 9 OR OTHERWISE CONTAINED IN
THIS NOTE AND EXPRESSLY ACKNOWLEDGES THAT HOLDER HAS MADE THE LOAN IN RELIANCE
UPON SUCH AGREEMENTS AND WAIVER OF MAKER AND THAT HOLDER WOULD NOT HAVE MADE
THE LOAN WITHOUT SUCH AGREEMENTS AND WAIVER OF MAKER. MAKER ACKNOWLEDGES THAT
SPECIFIC WEIGHT HAS BEEN GIVEN TO THE CONSIDERATION GIVEN FOR SUCH AGREEMENTS,
WHICH CONSIDERATION IS THE GRANTING OF THE LOAN.
Maker's Initials SSI
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10. Evasion of Prepayment Premium. Maker acknowledges that in the event
of an acceleration of payment of this Note following an Event of Default by
Maker, a tender of payment of an amount necessary to satisfy the entire
indebtedness evidenced hereby, but not including the Prepayment Premium, made
at any time prior to a foreclosure sale by Maker, its successors or assigns or
by anyone on behalf of Maker, or by a buyer upon foreclosure or trustee's sale,
shall be presumed to be and conclusively deemed to constitute a deliberate
evasion of the prepayment provisions hereof and shall constitute a prepayment
hereunder and shall therefore be subject to the Prepayment Premium as
calculated in accordance with this Note with the date of prepayment being
deemed the date of occurrence of the foreclosure sale or the tender of payment
of the amount necessary to pay the entire indebtedness evidenced hereby in
full, including the Prepayment Premium.
11. Maker's Covenants. Maker agrees that (a) this instrument and the
rights and obligations of all parties hereunder shall be governed by and
construed under the laws of the state in which the Property is located; (b) the
obligation evidenced by this Note is an exempted transaction under the
Truth-in-Lending Act, 15 U.S.C _ 1601, et seq. (1982); (c) said obligation
constitutes a business loan for the purpose of the application of any laws that
distinguish between consumer loans and business loans and that have as their
purpose the protection of consumers in the state in which the Property is
located; (d) at the option of the Holder, the United States District Court for
the district in which the Property is located and any court of competent
jurisdiction of the state in which the Property is located shall have
jurisdiction in any action, suit or other proceeding arising out of or relating
to any act taken or omitted hereunder or the enforcement of this Note, the
Mortgage and the Related Agreements and Maker shall not assert in any such
action, suit or other proceeding that it is not personally subject to the
jurisdiction of the courts described above, that the action, suit or other
proceeding is brought in an inconvenient forum or that the venue of the action,
suit or other proceeding is improper; (e) it hereby waives any objections to
venue; and (f) it hereby waives its right to a trial by jury.
12. Severability. The parties hereto intend and believe that each
provision of this Note comports with all applicable local, state and federal
laws and judicial decisions. However, if any provision or any portion of any
provision contained in this Note is held by a court of law to be invalid,
illegal, unlawful, void or unenforceable as written in any respect, then it is
the intent of all parties hereto that such portion or provision shall be given
force to the fullest possible extent that it is legal, valid and enforceable,
that the remainder of the Note shall be construed as if such illegal, invalid,
unlawful, void or unenforceable portion or provision was not contained therein,
and the rights, obligations and interests of Maker and Holder under the
remainder of this Note shall continue in full force and effect.
13. Usury Laws. It is the intention of Maker and Holder to conform
strictly to the usury laws now or hereafter in force in the state or
commonwealth in which the Property is located, and any interest payable under
this Note, the Mortgage, or any Related Agreement shall be subject to reduction
to an amount not to exceed the maximum non-usurious amount for commercial loans
allowed under the usury laws of the state or commonwealth in which the Property
is located as now or hereafter construed by the courts having jurisdiction over
such matters. In the event such interest (whether designated as interest,
service charges, points, or otherwise) does exceed the maximum legal rate, it
shall be (a) canceled automatically to the extent that such interest exceeds
the maximum legal rate; (b) if already paid, at the option of the Holder,
either be rebated to Maker or credited on the principal amount of the Note or
(c) if the Note has been prepaid in full, then such excess shall be rebated to
Maker.
14. Acceleration. Upon an Event of Default, Holder shall have the
right, without demand or notice, to declare the entire principal amount of this
Note and/or any Future Advance (as defined in the Mortgage) then outstanding,
all accrued and unpaid interest thereon and all other sums, including without
limitation the Prepayment Premium, required under this Note, the Mortgage or
any note evidencing any Future Advance, to be immediately due and payable and,
notwithstanding the stated maturity in this Note or any note evidencing any
Future Advance, all such sums declared due and payable shall thereupon become
immediately due and payable. During the existence of such Event of Default,
Holder may apply payments received on any amounts due under the Note, the
Mortgage, any Related Agreement or any note evidencing any Future Advance as
Holder may determine in its sole discretion.
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15. Waivers by Maker. As to this Note, the Mortgage, the Related
Agreements and any other instruments securing the indebtedness, Maker and all
guarantors, sureties and endorsers, severally waive all applicable exemption
rights, whether under any state constitution, homestead laws or otherwise, and
also severally waive diligence, valuation and appraisement, presentment for
payment, protest and demand, notice of protest, demand and dishonor and
diligence in collection and nonpayment of this Note and all other notices in
connection with the delivery, acceptance, performance, default, or enforcement
of the payment of this Note (except notice of default specifically provided for
in the Mortgage and the Related Agreements). To the extent permitted by law,
Maker further waives all benefit that might accrue to Maker by virtue of any
present or future laws exempting the Property, or any other property, real or
personal, or the proceeds arising from any sale of any such property, from
attachment, levy, or sale under execution, or providing for any stay of
execution to be issued on any judgment recovered on this Note or in any action
to foreclose the Mortgage, injunction against sale pursuant to power of sale,
exemption from civil process or extension of time for payment. Xxxxx agrees
that any real estate that may be levied upon pursuant to a judgment obtained by
virtue of this Note, or any writ of execution issued thereon, may be sold upon
any such writ in whole or in part in any order desired by Xxxxxx.
16. Maker Not Released. No delay or omission of Holder to exercise
any of its rights and remedies under this Note, the Mortgage or any Related
Agreements at any time following the happening of an Event of Default shall
constitute a waiver of the right of Holder to exercise such rights and remedies
at a later time by reason of such Event of Default or by reason of any
subsequently occurring Event of Default. This Note, or any payment hereunder,
may be extended from time to time by agreement in writing between Maker and
Holder without in any other way affecting the liability and obligations of
Maker and endorsers, if any.
17. Nonrecourse. Except as otherwise set forth in this paragraph,
the liability of Maker and the general partners of Maker, if any, under this
Note, the Mortgage and the Related Agreements shall be limited to and satisfied
from the Property and the proceeds thereof, the rents and all other income
arising therefrom, the other assets of Maker arising out of the Property which
are given as collateral for the loan evidenced by this Note, and any other
collateral given in writing to Holder as security for repayment of this Note
(all of the foregoing are collectively referred to as the "Loan Collateral");
provided, however, that nothing contained in this paragraph shall (a) preclude
Holder from foreclosing the lien of the Mortgage or from enforcing any of its
rights or remedies in law or in equity against Maker except as stated in this
paragraph, (b) constitute a waiver of any obligation evidenced by this Note or
secured by the Mortgage or any Related Agreements, (c) limit the right of
Holder to name Maker as a party defendant in any action brought under this
Note, the Mortgage or any Related Agreements, so long as execution on any
judgment is limited to the Loan Collateral, (d) prohibit Holder from pursuing
all of its rights and remedies against any guarantor or surety, whether or not
such guarantor or surety is a partner of Maker, (e) limit the personal
liability of Maker or any shareholder of Maker, or any general partner of Maker
to Holder for misappropriation or misapplication of funds, fraud, waste,
willful misrepresentation or willful damage to the Property or (f) preclude
Holder from recovering from Maker and the Indemnitors under that certain
Environmental Indemnity Agreement of even date herewith.
18. Successors and Assigns. The provisions of this Note shall be
binding upon Maker and its legal representatives, successors and assigns and
shall inure to the benefit of any Holder and its successors and assigns. In
the event Maker is composed of more than one party, obligations arising from
this Note are and shall be joint and several as to each such party.
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19. Remedies Cumulative. The remedies of Holder as provided in this
Note, or in the Mortgage or the Related Agreements, and the warranties
contained herein or therein shall be cumulative and concurrent, may be pursued
singly, successively or together at the sole discretion of Holder, may be
exercised as often as occasion for their exercise shall occur and in no event
shall the failure to exercise any such right or remedy be construed as a waiver
or release of such right or remedy. No remedy under this Note, conferred upon
or reserved to Holder is intended to be exclusive of any other remedy provided
in this Note, the Mortgage or any of the Related Agreements or provided by law,
but each shall be cumulative and shall be in addition to every other remedy
given under the Mortgage or any of the Related Agreements or hereunder or now
or hereafter existing at law or in equity or by statute.
20. Notices. All notices, written confirmation of wire transfers and
all other communications with respect to this Note shall be directed as
follows: if to Holder, c/o Commercial Mortgage Loan Servicing Manager, 0000
Xxxxxxx Xxxx, Xxxxx X0X, Xxxxxxxxxx, Xxxxxxxx 00000, Attention: Servicing
Manager, with a copy to Investment Law Division, 0000 Xxxxxxx Xxxx, Xxxxx X0X,
Xxxxxxxxxx, Xxxxxxxx 00000; if to Maker, Oasis Residential, Inc., 0000 X.
Xxxxxx Xxxx, Xxxxxxxxx, Xxxxxx 00000, Attention: Xxxxx X. Xxxxxxxx, with a copy
to: Xxxxxxx X. Xxxxxxx, Esq., Law Offices of Xxxxxxx X. Xxxxxxx, 0000 X.
Xxxxxx Xxxx, Xxxxxxxxx, Xxxxxx 00000, or at such other place as Holder or Maker
may from time to time designate in writing. All notices expressly provided
hereunder to be given by Holder to Maker and all notices, demands and other
communications of any kind or nature whatever which Maker may be required or
may desire to give to or serve on Holder shall be in writing and shall be (1)
hand-delivered, effective upon receipt, (2) sent by United States Express Mail
or by private overnight courier, effective upon receipt, or (3) served by
certified mail, to the appropriate address set forth above, or at such other
place as the Maker or Holder, as the case may be, from time to time designate
in writing by ten (10) days prior written notice thereof. Any such notice or
demand served by certified mail, return receipt requested, shall be deposited
in the United States mail, with postage thereon fully prepaid and addressed to
the party so to be served at its address above stated or at such other address
of which said party shall have theretofore notified in writing, as provided
above, the party giving such notice. Service of any such notice or demand so
made shall be deemed effective on the day of actual delivery as shown by the
addressee's return receipt or the expiration of three (3) business days after
the date of mailing, whichever is the earlier in time. Any notice required to
be given by Holder shall be equally effective if given by Xxxxxx's agent, if
any.
21. No Oral Modification. This Note may not be modified or
discharged orally, but only by an agreement in writing signed by the party
against whom enforcement of any waiver, modification or discharge is sought.
22. Time. Time is of the essence with regard to the performance of
the obligations of Maker in this Note and each and every term, covenant and
condition herein by or applicable to Maker.
23. Captions. The captions and headings of the paragraphs of this
Note are for convenience only and are not to be used to interpret, define or
limit the provisions hereof.
24. Replacement Note. Upon receipt of evidence reasonably
satisfactory to Maker of the loss, theft, destruction or mutilation of this
Note, and in the case of any such loss, theft or destruction, upon delivery of
an indemnity agreement reasonably satisfactory to Maker or, in the case of any
such mutilation, upon surrender and cancellation of this Note, Maker will
execute and deliver to Holder in lieu thereof, a replacement note dated as of
the date of this Note, identical in form and substance to this Note and upon
such execution and delivery all references in the Mortgage to this Note shall
be deemed to refer to such replacement note.
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25. Amendment and Restatement. This Note amends and replaces that
certain Mortgage Note dated March 27, 1991 in the original principal amount of
$16,000,000.00 executed by Xxxxxxx X. Xxxxxx, Trustee of The Torino Living
Trust under trust agreement dated May 4, 1984, and restated in full on August
23, 1990 ("Torino"), in favor of Holder, the obligations under which were
assumed by Maker pursuant to the terms of that certain Assignment and
Assumption Agreement dated March 1, 1994 executed by Torino, Maker and Holder,
and recorded on April 15, 1994, in Book 940415, as Instrument No. 02270,
Official Records, Xxxxx County, Nevada.
IN WITNESS WHEREOF, Maker has caused this Note to be duly executed on
the date first above written.
MAKER:
OASIS RESIDENTIAL, INC., a
Nevada corporation,
By: /s/Xxxxx X. Xxxxxxxx
----------------------------
Its: President
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Exhibit A
BASIS POINT ADJUSTMENT TABLE
U.S Treasury Bond Basis Point U.S. Treasury Bond Basis Point
or Note Yield Adjustment or Note Yield Adjustment
0 - 1.55 .0
1.56 - 2.69 .01
2.70 - 3.48 .02
3.49 - 4.12 .03
4.13 - 4.68 .04
4.69 - 5.17 .05
5.18 - 5.63 .06
5.64 - 6.05 .07
6.06 - 6.44 .08
6.45 - 6.82 .09
6.83 - 7.17 .10
7.18 - 7.51 .11
7.52 - 7.83 .12
7.84 - 8.14 .13
8.15 - 8.44 .14
8.45 - 8.73 .15
8.74 - 9.02 .16
9.03 - 9.29 .17
9.30 - 9.55 .18
9.56 - 9.81 .19
9.82 - 10.07 .20
10.08 - 10.31 .21
10.32 - 10.55 .22
10.56 - 10.79 .23
10.80 - 11.02 .24
11.03 - 11.25 .25
11.26 - 11.47 .26
11.48 - 11.69 .27
11.70 - 11.90 .28
11.91 - 12.11 .29
12.12 - 12.32 .30
12.33 - 12.52 .31
12.53 - 12.72 .32
12.73 - 12.92 .33
12.93 - 13.12 .34
13.13 - 13.31 .35
13.32 - 13.50 .36
13.51 - 13.69 .37
13.70 - 13.87 .38
13.88 - 14.06 .39
14.07 - 14.24 .40
14.25 - 14.41 .41
14.42 - 14.59 .42
14.60 - 14.77 .43
14.78 - 14.94 .44
14.95 - 15.11 .45
15.12 - 15.28 .46
15.29 - 15.44 .47
15.45 - 15.61 .48
15.62 - 15.77 .49
15.78 - 15.94 .50
15.95 - 16.10 .51
16.11 - 16.26 .52
16.27 - 16.41 .53
16.42 - 16.57 .54
16.58 - 16.73 .55
16.74 - 16.88 .56
16.89 - 17.03 .57
17.04 - 17.18 .58
17.19 - 17.33 .59
17.34 - 17.48 .60
17.49 - 17.63 .61
17.64 - 17.78 .62
17.79 - 17.92 .63
17.93 - 18.07 .64
18.08 - 18.21 .65
18.22 - 18.35 .66
18.36 - 18.49 .67
18.50 - 18.63 .68
18.64 - 18.77 .69
18.78 - 18.91 .70
18.92 - 19.05 .71
19.06 - 19.18 .72
19.19 - 19.32 .73
19.33 - 19.45 .74
19.46 - 19.59 .75
19.60 - 19.72 .76
19.73 - 19.85 .77
19.86 - 19.99 .78
20.00 - 20.12 .79
