Citizens of PWC, waiting very patiently, now have an opportunity to read Babur Lateef’s platform. He has laid out the foundation for his candidacy.
In the Washington Post Blog/local politics, Dr. Babur Lateef also shares his views. Here is a link to the full article.
Pr. William board chairman candidate to release campaign platform
By Jennifer Buske
Democrat Babur Lateef ,who is seeking to replace Board Chairman Corey Stewart (R), said he plans to release a campaign platform this week that focuses on issues that have directly impacted his family, including the foreclosure crisis.
An opthamologist with his own practice in Prince William, Lateef said his business took a hit during the recession. He said he fell behind on his mortgage payments last year and his home went into foreclosure.
Lateef said his brother and sister-in-law were able to purchase the house when it went up for auction, but now Lateef, his wife and four children are tenants in the home they once owned.
“The [foreclosure] issue is troubling for a lot of folks in the county and as a candidate running for office, I can really relate,” the 39-year-old said. “Corey hasn’t been there to address these issues and the race should be about someone who will address the problems of the people in Prince William.”
If elected, Lateef said his first action would be to create a foreclosure task force of homeowners, policy experts and banking officials. Lateef said the county should adopt an ordinance that requires lenders who evict families to show proof to the county sheriff that they have given the family a proper eviction notice and that the family has exhausted all avenues to save their home.
Lateef said he wants to work with local, state and federal officials to require banks to give homeowners 45 days notice before a foreclosure, up from the current 14. He also wants to draft a plan that would allow families facing foreclosure to apply certain county payments, such as their personal property tax, to their mortgage.
“We were fortunate to have family that could help us through that very difficult time…but most Prince William families are not as fortunate,” Lateef said. “It’s why I care so deeply about addressing the foreclosure crisis in our county.”
Besides tackling the foreclosure epidemic, Lateef said he will focus on education, traffic, jobs and development.
Lateef said he supports a bus-rapid transit system both in the county and along Interstates 95 and 66. Bringing metro to Prince William is another priority, Lateef said.
On the job front, Lateef said he wants to work with state officials to expand the governor’s opportunity fund and develop a small-business leaders round table in the county. Lateef said he supports the plan to revitalize Route 1 and wants to see more mixed-use development in areas that can support the growth, not in the rural sections of the county.
If the family could come up with $600K to purchase the home at auction, why couldn’t they’ve brought Lateef’s mortgage current? Instead the family swooped in on the auction on the courthouse steps. Leaving the bank holding the bag for a few hundred thousand. This will leave a VERY bad taste in many mouths. I sure does mine.
Banks having been modifying mortgages for a couple of years now, due to adjustable rates and hardship. Did Mr. Lateef work with his bank? As a title examiner in this county, I can assure you the banks are indeed working with people. I certainly have known several who have had their hardship case considered and had their mortagage modified.
This article has sealed the deal for me, and he will NOT be getting this Independent’s vote. I really thought this was the year, I’d be voting for a Dem. However, this is not the year, considering this foreclosure mess. Sorry.
The foreclosures rate is/has dropped from a couple of years ago. There are still plenty of foreclosures in the pipeline, but there are not near the number there was. Gary F had a shot, but I don’t feel Lateef does. Just my two cents.
Then we have this quote from the article.
“We were fortunate to have family that could help us through that very difficult time…but most Prince William families are not as fortunate,” Lateef said. “It’s why I care so deeply about addressing the foreclosure crisis in our county.”
This is TOTAL BS!!! If he cared about the foreclosure crisis, he would have tried to work with the bank. Instead, he ADDED to the problem by walking away from his debt/obligation to the bank. Meanwhile, his neighbors homes will loose value due to this foreclosure.
UFB!!!
Laf,
I can tell you that a family friend, in good faith, was working with Bank of American to keep his home. He was told to go into default, he followed their direction, believing the whole time that he was going to keep his home. Bank of America, decided, despite the fact that they knew his not paying the mortgage was a plan to be able to adjust his loan, forclosed on him, very unexpectedly. He hired an attorney, even contemplated getting on a class action law suit that pending against Bank of America. In the end, he and his attorney decided that it wasn’t worth the fight. My friend is still in his home as the bank has not been able to unload it. Bank of America was stupid not to work with my friend to keep his home. Now the bank is getting nothing and will probably, when it finally does sell, get substantially less then they would have had they been willing to work with my friend.
This article is interesting but doesn’t give any details. Does anyone have the actual details associated with this event in Lateef’s life?
@Elena
I honestly think you friend has lied to you. I have a friend that followed those exact same directions with Bank of America that lives in Montclair. Guess what? His mortgage was modified, just as they said it would be. As a result he will be staying in his home. He feels like he has a new lease on life. I have another story of a family member, but I will not go into the details on a blog. In that instance they were able to plead a hardship case, and got their mortgage modified. Oh, and this was a mortgage that was not elligible for the government programs, because it was a 30yr fixed FHA loan. Again this was with Bank of America.
I’m sorry to say I think you friend lied. However, I live and breath foreclosure due to my job. I can assure you, I’ve seen plenty of recorded modifications recorded in this county. I would say well, over half of the modifications I’ve seen have been done by….Guess who? Once again Bank of America.
This thread has certainly gotten my attention. I plan to stay on top of this discussion.
I won’t be crying a river for the bank. Loose lending practices in the past decade have caused a lot of problems including the unsustainable run up in prices prior to the inevitable crash. Lateef was one of many people who experienced personal hardship which led to foreclosure. The banks weren’t willing to work with anyone early on – not until the magnitude of the problem was impossible to avoid.
As a person current on my mortgage, I might be a bit pissed at an individual who can stay in his home under these circumstances, BUT … the house is no longer his and neither are the tax deductions or any future profits. As an Independent I look at my personal political philosophy when I go pull the lever. His opponent refused to honor his pledge to protect the rural crescent and brought much unneeded strife/cost to the community with his immigration brouhaha election ploy at a time when he should have paid more attention to the looming mortgage crisis. And we all know that he will bail out if the chance of higher office arises.
I’m not so sure that Lateef’s biggest problem is that he managed to stay in his house – though not as the owner – but that Prince William County still has a significant redneck population that will be frightened of his name.
@Blue Moon
If you are serioius. Contact, Elena or Moon to get my contact information.
@Censored bybvbl
I’m not so sure that Lateef’s biggest problem is that he managed to stay in his house – though not as the owner – but that Prince William County still has a significant redneck population that will be frightened of his name.
As a native, I hate to say it, but you are right.
Censored,
Let us not forget, Corey not only voted for Avendale, but he proposed last minute changes to the environment chapter that he could not even explain because he did not understand the changes! Why you may ask, was he unable to explain the changes, because they weren’t HIS, they were given to him by developer buddies to be sure.
Corey has not done more to screw this county than any one person, and even IF you want to believe the worst in Lateef, at least he doesn’t appear to be driven by the need to be a self serving, screw the people, politician like Corey.
I am so embarrassed for my county that people would not vote for him simply because they are bigoted.
Clarification…I am not one of those people, but I do know those who will think that way. And yes, it is embarrassing.
My friend did not lie Laf. In fact, his story is quite common from what I have read. After a simple search, this is what happened to him, almost exactly. Here is the story about the class action law suit and a commentor that reflects the story of my friend.
http://classactionlawsuitsinthenews.com/class-action-lawsuits/bank-of-america-mortgage-modification-class-action-lawsuit-filed/
karen collins April 25, 2011 at 10:39 am
How do I join the class action law suit againt bank of america and countrywide home loans? These two company’s have destroyed my life. first with preditory lending against my mother of 71. then i get the house and countrywide approves me for modification, make me send thousands to them western union, then sell my morgage to boa, who will not honor the mod. they in turn send default notices, i tried to get apps from then over and over, and then forclosure notice. I just moved out and thought the bank would forclose, now 2 years later it sits empty and vandalized, now a month ago boa sends me app? this is nuts, now they want over 80,000.00 from me to modifify. I fell like retaking the home just to make them force me out. I am so angry. Karen, ps please send me contact for joining this class action. thanks
Thanks for clarifying Laf ;), didn’t think you were talking about yourself.
I know you have alot of knowledge, but that doesn’t mean that there aren’t plenty of people who did not suffer because of poor banking practices. I am sure there a plenty of success stories, but there are also nightmare stories and evident in what we have all read.
Did you read the Dana Milbank story? He is well known author and writer for the washington post.
http://www.washingtonpost.com/wp-dyn/content/article/2011/03/04/AR2011030404615.html
“My friend did not lie Laf. In fact, his story is quite common from what I have read”
Elena, you are 100% correct. The actual incidents of the banks actually modifying a mortgage are low. I’ve read less than 10%. There’s been congressional hearings on this very subject. There have been cases where even though the owner was current on the note, the bank advised them to stop paying the mortgage to qualify for the modification. The owner submits the paperwork multiple times due to loss, misfiling, reassingment to different departments, only to have the application denied. Now the owner is several months behind on their mortgage, and told to bring it current (plus the late fees, penalties & interest) or face foreclosure in 14 days.
The banks don’t lose in this scenario. Either the owner brings it current, does a shortsale, or gets foreclosed on. The bank gets the proceeds, plus writes off 100% of the loan value, as a loss.
Lafayette’s friend sounds like one of the fortunate few who fell into the narrowest of categories, those whose modification was approved. I know several people who attempted the same. Not a one was approved, and the majority were worse off for even trying.
Now to the post: I think Mr. Latef, facing long odds of victory before, has almost no chance of winning now. No matter how it’s spun, he either looks like he can’t manage is personal and business finances, or ran a scam on the banks. The fact that he is renting can be spun as he has less “skin in the game” than Corey, who owns, especially when the topic of residential property taxes is raised. Whether or not these are fair criticisms of Mr. Latef is irrelevant. In a campaign, percepetion trumps all, and I don’t see this as being perceived as anything but negative.
All the details need to be published immediately.
The article in the Post is a fluff piece, the article’s title tells nothing – Pr. William board chairman candidate to release campaign platform’ and neither does the short article which can’t seem to focus on any particular issue.
The story on its face sounds highly suspicious. How are an Opthamologist and a Pediatric Neurologist unable to afford their home? Did they over extend themselves? Will, if elected will he do the same thing as Chairman of the Board? Why is he playing the victim? He sure doesn’t sound like a victim to me, he’s out from under half of this million dollar home. Yet, still lives there. We are supposed to believe that he’s a leasee in his home? Doubt it.
i agree with Elena that this is not an easy issue to figure. the banks/lenders must not make ‘modification’ as easy as Laf states or there wouldn’t be such a problem
the crisis is real and recovery is not as easy as it seems. this link below is a real eye opener and these are just the foreclosed homes, they must be an equivalent number i suspect in the pipeline. and then there are the “underwater” folks…
these 2300+ homes represent the broken dreams of a lot of people.
http://records.foreclosure.com/search/VA_153.html
in fact VOICE (Virginians Organized For Interfaith Community Engagement) has made dealing with this their number 1 priority. http://www.voice-iaf.org/
I’m not assuming how any of these people got in trouble, but the reality is they are.
i know that to date there has been no movement on the BOCS to help address this issue. VOICE supports the development of a group of lenders/banks, mortgage holders and government/private counselors to work the issue.
Banks get bailouts and record profits – foreclosed homeowners get to live somewhere else. i’m just guessing but i suspect if my home was in this situation and my family came to my rescue i would welcome the assistance.
as you might imagine i’m going to vote for a person who wants to work on solutions not take the position, “I’m not going to work on this issue, that’s why we have elections every 4 years”
Bruce Roemmelt
@Steve,
and therein lies the dilema. Some will see him as one of them, as many have been caught in this forclosure mess, but there are just as many who have not suffered financial setbacks.
I am working on another story regarding Corey and his poor governance regarding the budget, raising taxes, and giving out tax payer money to special interest projects. I feel so depressed, the long term damage Corey is doing to this county is so frustrating.
Bruce,
thanks for checking in and providing the link. Our BOCS seems to do very little as an entity to be proactive in addressing many issues, especially our forclosure crisis.
my analogy would be…
Who is the better advocate for life jackets, some one from the last voyage of the Titanic, or…
Someone who has never seen the ocean from say Utah – doesn’t everyone float on the Great Salt Lake???
i guess you just can’t take the Navy out of me. must have been powerfully imprinted in my 3 years, 9 months and 5 days of active duty.
I agree with Steve’s comments about Mr. Latef’s past fiscal management skills and how he has less skin in the game homeowners that have kept up their mortgages. I appreciate that he’s a business owner but I get a really sick feeling in the pit of my stomach about turning over the county checkbook to someone that has issues at home.
I don’t agree on the points where it seems that people think banks are under an obligation to modify a mortgage. The bank had an obligation to give me money so I could give it to someone else to ‘buy’ this house. I’m obligated to pay them back plus interest based on the risk that I pose and the profit they want to make. If I can’t hold my end of the bargain I’m not sure why the bank should bend over backwards to help me. If they want to – great. If not I’m the one that failed to meet my obligation.
A lot of these pie in the sky ideas about cracking down on bankers have only just made it harder for those on the lower margin getting access to loans to buy into the American dream.
I know all sorts exist regarding foreclosures. Furthermore, our nation has never seen the epic numbers of foreclosures, as we have the past few years.
I will say I’m very disappointed by this article. Elena, I really was over the top when I stated your friend lied. There are a million different stories out there. This whole thing has struck a nerve with me. Therefore, excuse me if I offend anyone.
I will say this regarding modifications. NOT near the number of mortgages have been modified as there should be. However, you MUST very diligent throughout the modification process. The truth is banks don’t want to be property owners, they want you pay your mortgage. Now, please, don’t read this as defending the banks. That I will not do.
🙂 Thanks Laf
“Furthermore, our nation has never seen the epic numbers of foreclosures, as we have the past few years.”
Lafayette,
It may be a “chicken v. egg” argument. Prior to the current foreclosure mess, America had never expereinced the levels of home ownership before. This was often referred to in the 2004 presidential campaign as an economic positive. But as we have learned, this high level of home ownership was achieved through very loose lending practices, excessive access to credit, little risk analysis,and in some cases, outright fraud. Add to this the “go-go” euphoria of the other sectors of the economy, and we were ripe for a crash. Throw in a spike 2008 in energy prices, and BOOM! Record foreclosures are a direct result of this.
I do agree with Marinm: the banks do not have an obligation, in principle, to work with individual borrowers, and modify the terms of the agreement. But (and it’s a big honking but), any bank that took TARP money does have an obligation to provide as much relief to the market as possible, until such time as they have repaid the taxpayer funds…with interest. By all accounts, this did not happen. The banks played a game where they took the money, shed the “troubled assetts” from their books, foreclosed on many, approved short sales on a few, modified fewer still, and then took a 100% write-off on the “bad loans” that they made in the first place.
Don’t hate the playa…hate the game….right?
Many banks have repaid the TARP. BAC is not one of those, however, unless they sneaked and did it.
Let’s do a head count. Where is it that Corey Stewart works now? I keep reading he works for an international law firm. Who might that be? Was he unemployed for a while? He sure seems to have a lot of free time now.
That is an important question for someone who is running for chairman.
The second biggest question to ask Corey is will he pledge to remain in PWC if elected chairman? I don’t feel like providing him with a ‘job’ so he can run for higher office.
If we are going to pry into one life, let’s be fair and pry into all the lives of those actively running.
Elena,
The topic thread would be more appropriately titled – Barbur Lateef, Should he Run? Instead of, Barbur Lateef, Can he Win? Well, regardless, the answer to both questions is NO.
Simply stated, he’s not a viable candidate. There are details to this which were not illuminated in the Post article that are inexplicable.
For example, I bet it was a calculated move to remove his wife’s name from the deed in September 09? Why? To save her credit. Secondly, a bank would have looked at his financial situation and made the determination that he could carry the loan himself without the income or assets of his wife. Then how was the property foreclosed upon 8 months later? My guess, he immediately defaulted ie stopped paying the mortgage.
Then there’s the notion that the foreclosure was done with only 14 days notice. If that’s the case, then tell me, how he was able to get his brother and sister-in-law to agree to buy the house and arrange the financing with a $60,000-$100,000 cashier’s check as a deposit on such short notice. I suspect it was always a prearranged back-up plan.
Lastly, I believe there’s no note on the house. I think I heard that it was paid by his father. So, if he was going through a difficult financial time why didn’t he ask his father for some help instead of letting the home go into foreclosure?
Inside info,
I wonder, given your very relevant questions, if he answered them directly, would that alter your opinion of his viability?
@InsideInfo
You are absolutely correct, there’s NO note on the house. Which in addition to the deposit you mentioned. There would have had to have been a “ca$h transaction for the remainder. Really, wouldn’t it have been a lot less costly to bring the mortgage current? Oh, but then $400K+ wouldn’t not have been written off by the bank.
I would also, like to add many mortgages have language in them stating that if you remove a person’s name from the Deed, that the bank can then call for the note to be paid immediately. Something to be considered.
@Laf, would that require a modification/approval by the lender or could you get it done by quitclaim?
Can a person’s name be removed from the deed if they are on the mortgage?
Marin/Moon, the banks do usually require their approval to remove a person’s name from title, if they(person to be removed) are a grantor/signer on the mortgage. I dont’ think the banks check up on this. However, when the tax bill comes from the county with only one person’s name on it. They might have a question or two for the owners.
BAC repaid back in 2009, methinks. I remember them doing a secondary offering to cover the nut.
Well good for them. Did they pay back totally?
I thought they were in the process but it wasn’t done but not a sword I will fall on.
Yep: http://investor.bankofamerica.com/phoenix.zhtml?c=71595&p=irol-newsArticle&ID=1361144&highlight
I think only AIG is left to repay from the big guys, but I might be mistaken.
They need to get hopping and get it repaid. TARP actually made money. Of course it saved our tails.
Trickle down econ would have been fugly. Very fugly.
If I were the parents and in the position to loan enough money to cover the note, I would want title to the property. It may have been better to do this than loan a few months’ worth of payments in hope that finances turned around.
@Lafayette
Couldn’t this be a major problem? Having to come up quickly with the bucks to cover the note?
A lot of things just don’t add up in this whole topic. There seems to be a lot of missing pieces of information. Does anyone have the whole story with details to fill in the blanks?
@Censored bybvbl
Yes, this could be a problem. I guess the easiest solution would be to try to obtain a new loan from a new lender. However, houses are upside down, and NO bank is going to lend more than the property is worth. Really, over half a Mil, is quite a bit of cash for someone to come up with. Well, the parents could’ve asked to have their name added to the Deed, and the bank may have approved that, because the family seems to be more solvent.
Remember this house had two mortgages on it, totalling over One Million dollars. Bought at auction for $619K. Quite a deal. (imo) Purchased for almost half price. Meanwhile, folks are struggling and fighting to stay in their homes. They are NOT walking away from their debt/obligation to the bank, as Lateef did. Hopefully, the bank will see that Lateef is still in the county, and will take action(obtain judgment) against them for the difference of amount owed and and amount gotten at the Trustee’s sale.
@Blue Moon
I left you a note yesterday. If you are serious about discussing the matter, contact Moon or Elena. However, I’m not willing to do this on a blog. It is my sincere hope, that our local paper will cover this story and trek over to the courthouse and do the research.
Okay. That sounds good. Maybe the local paper will get the full story and report it. I’ll wait and see what happens there. If the press doesn’t come through I’ll follow up as you suggest. @Lafayette
I don’t question this is an issue, but Corey Stewart is no white lillly, lest we forget that all the dirty deals he has made with developers. His negative impact on this county reaches every single resident.
From Babur Lateefs Development platform:
Development in rural areas increases costs with the need to expand water, sewers and other services. Furthermore, this unwise development creates sprawl and congestion. Everyone’s property tax goes up while everyone’s quality of life goes down. I will not only sign the Rural Crescent protection pledge; I’ll actually honor it by refusing to vote for any development that infringes on the crescent.
The Rural Crescent is but a fraction of the county and not heavily populated. I do not believe the RC is the major factor in which most residents will base their vote, come November. I do believe voters care about their tax dollars and management of “their” money.
I don’t want to see major development in the RC. However, the sad reality is, that the Rural Crescent was not meant to last forever. I know this will piss a few off and make a few others think I’ve changed my mind on sprawl into the RC. I don’t live in the RC, and therefore don’t focus on it the way that I do issues that have a direct impact on my day to day life.
@Elena
Do you honestly believe that anyone who would walk on a mortgage obligation under dubious circumstances would honor your pledge if it became politically inconvenient to do so? This guy has one (and only one) thing going for him as far as I’m concerned, and that’s the fact that he’s not Corey.
The Rural Crescent serves every tax payer in this county, you don’t pay for schools, roads, libraries, protects drinking water, etc etc. I would hope these issues would be important to every person, not just those who live in the RC. If you care about your tax dollars and quality of life, you oughtta care about the rural crescent.
However, having explained why the RC is importatn,what do you propose should happen? What is the next step for citizens, what are our choices?
I didn’t say I didn’t care about it. I said it’s not a top item for me, because I don’t live there. I don’t recall those in the RC being too symapthetic to the issues that plagued my neighborhood a few years ago. Trust me, 15-20 people living in a house meant for 8, is NOT good for our infrastructure. I have enough problems in my own hood that I cab hardly keep up with. I can’t waste a lot of time, energy or effort on the RC. Now, if my hood were in good shape and people weren’t putting up 6foot high fences in their frontyards, I might have more thoughts/care about the RC.
Due to the tact that BVBL and HSM took in demonizing illegal aliens/hispanics, dealing with neighborhood behavior was subjugated due to the mob mentality. I had empathy but the way in which people chose to deal with these issues ruined any chance of building coalitions.
Back to the question, what do you propose should happen? Do you want to see Corey stay in office, Corey who has made more deals to screw citizens in PWC with his developer buddies.
Dr. WHO???
If this man is the best the -D’s can come up with I think Stewart has a lock on it.
I think Cato summed it up very well. A person that can walk away from his mortgage obligation is not really the kind of man that I want to elect to represent me and have access to the county checkbook.
Our concerns had fallen on def ears, prior to activity of HSM. This includes, suprvisors, chair, and Neighborhood Services, to name a few. BVBL was at outlet for people to share their concerns. Yes, some were may have been mean spirited. The concerns were finally addressed once, some light was shed on what was going on with property code violations and general conditions. What would you have done in your concerns were not addressed or even acknowledged? Since, that time residents in the older established neighborhoods have gotten responses and action. That’s not to say that some still don’t see WG as their(BoS) personal dumping ground. The cell tower that will be within 100 feet of homes has certainly gotten few fired up on the supervisor.
“Back to the question, what do you propose should happen? Do you want to see Corey stay in office, Corey who has made more deals to screw citizens in PWC with his developer buddies.”
Elena,
I do not live in the RC, but do have a vested interest in its preservation. I don’t vote in the county, but do have a vested economic interest in it. These things are true. At the risk of it seeming like I am piling on, I do have more than a few campaigns under my belt, and think I can be pretty objective when viewing races/issues outside of Manassas (City of). Lafayette makes some very good points, the effects of which should not be dismissed: People tend to vote a certain way, based upon how the position of the candidate will most directly impact them. So, someone living in Lake Ridge may have concerns about an issue in the RC, it will have very little impact on how they vote. When Jeanette Rishell kept talking about transportation issues in New Port News, I can’t count the times I heard, “What do I care about traffic in New Port News. I spend 2-3 hours in traffic just trying to get home to Manassas”. We call these arguments “dogs”. Should we care about transportation issues state wide? At some level, yes. Do we care as an individual voter? No.
In a nutshell, Mr. Latef’s willingness to sign a pledge regarding the RC may gain him support in the RC. It has contributed to his gaining your support. But will it sway voters in Marumsco? Little or not at all. Will it be enough to overshadow the “questions” that will ultimately be raised in the actual campaign, or combat those currently being bandied about here and on other blogs? My view: not a chance. At any given moment, you can either attack, or defend. You cannot do both. I see this unfolding as Mr. Latef having to run the majority of campaign on defense, with limited opportunities to attack. This is ok if you are an incumbant. You have a record that provides things you must defend, but also things that defend you. You can also attack your opponent at opportune times. For a challenger, you need to be able to attack, attack, attack. Things like what Mr. Latef is having to defend only limit this ability, and presents a point for his opponent to attack him with, and tie back to a multiplicity of issues that directly impact the individual voter.
It would have little impact, if the issue weren’t “sticky”. How many “dots” does the Stewart camp (and his supporters) have to connect, before the “picture” they “draw” of Mr. Latef becomes perceived reality? How many “leaps” does the voter have to make to “accept” the arguments being made by the Stewart camp, and how much “logic” must be suspended by the voters before they can accept the plausibility of defense the Latef camp is mounting? These are relatively linear equations, and by my calculations he doesn’t recover from this. Barring a “surprise” or a “gotcha” of greater magnitude regarding the incumbant, the challenger loses in this case. Throw in voting trends during the last two election cycles, and I’d call this for Stewart 65% to 35% for Latef.
How about the third candidate? How will this play out for him?