EX-99.12 13 ex99-12.htm CLAYTON LOAN GRADES REPORT

 

MFA 2024-NQM1 Trust ABS-15G

EXHIBIT 99.12

 

Client Name:    
Client Project Name: MFA 2024-NQM1  
Start - End Dates: 8/12/2021 - 2/16/2024  
Deal Loan Count: 242  
         
         
Conditions Report 2.0
         
Loans in Report: 242
Loans with Conditions: 121

 

Loan Number TRID Indicator Lender Application Date Broker Application Date Initial Securitization Overall Loan Grade Final Securitization Overall Loan Grade Initial Securitization Credit Loan Grade Final Securitization Credit Loan Grade Initial Securitization Property Valuations Loan Grade Final Securitization Property Valuations Loan Grade Initial Securitization Compliance Loan Grade Final Securitization Compliance Loan Grade Initial S&P Overall Loan Grade Final S&P Overall Loan Grade Initial S&P Credit Loan Grade Final S&P Credit Loan Grade Initial S&P Property Valuations Loan Grade Final S&P Property Valuations Loan Grade Initial S&P Compliance Loan Grade Final S&P Compliance Loan Grade Did Lender Acknowledge Exception at Origination
75288 Yes XXXXXX XXXXXX D B B B D B N/A N/A D B B B D B N/A N/A Not Applicable
75290 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A No
75291 Yes XXXXXX XXXXXX B B B B A A N/A N/A B B B B A A N/A N/A Yes
75292 Yes XXXXXX XXXXXX A A A A A A N/A N/A A A A A A A N/A N/A Not Applicable
75293 Yes XXXXXX XXXXXX A A A A A A N/A N/A A A A A A A N/A N/A Not Applicable
52402 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A No
75294 Yes XXXXXX XXXXXX B B B B A A N/A N/A B B B B A A N/A N/A Not Applicable
75295 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A No
76064 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
76065 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
46157 Yes XXXXXX XXXXXX C C A A C C A A C C A A C C A A Not Applicable
51321 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
69267 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A No
60482 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
60502 Yes XXXXXX XXXXXX D B B B D A A A D B B B D A A A No
61708 Yes XXXXXX XXXXXX D A A A D A A A D B A A D B A A No
60603 Yes XXXXXX XXXXXX D B D A A A C B D B D A A A C B Not Applicable
60614 Yes XXXXXX XXXXXX D B A A A A D B D B A A A A D B Not Applicable
60631 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A Yes
63607 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
66929 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
66978 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
67006 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
68562 Yes XXXXXX XXXXXX D A A A D A A A D B A A D B A A Yes
68564 Yes XXXXXX XXXXXX D A A A D A A A D B A A D B A A No
75297 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
75299 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A No
75300 Yes XXXXXX XXXXXX A A A A A A N/A N/A A A A A A A N/A N/A No
75301 Yes XXXXXX XXXXXX D A D A A A N/A N/A D A D A A A N/A N/A Not Applicable
75303 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A No
75304 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
75307 Yes XXXXXX XXXXXX A A A A A A N/A N/A A A A A A A N/A N/A Not Applicable
75308 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A No
75309 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A Yes
75310 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A Not Applicable
75311 Yes XXXXXX XXXXXX D B D B A A A A D B D B A A A A Not Applicable
75313 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A No
75316 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
75317 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A No
75318 Yes XXXXXX XXXXXX A A A A A A N/A N/A A A A A A A N/A N/A Not Applicable
75320 Yes XXXXXX XXXXXX B B B B A A N/A N/A B B B B A A N/A N/A Yes
75321 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Yes
75322 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
75323 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Yes
75324 Yes XXXXXX XXXXXX A A A A A A N/A N/A A A A A A A N/A N/A Not Applicable
76067 Yes XXXXXX XXXXXX B B B B A A N/A N/A B B B B A A N/A N/A Yes
76068 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A Not Applicable
75325 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
75326 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Yes
75327 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A No
75328 Yes XXXXXX XXXXXX C B A A A A C B C B A A A A C B Not Applicable
76069 Yes XXXXXX XXXXXX D B D B A A N/A N/A D B D B A A N/A N/A Yes
75329 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
76070 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A Not Applicable
76071 Yes XXXXXX XXXXXX D B D B A A A A D B D B A A A A Yes
75330 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A No
75331 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Yes
75332 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A Yes
75333 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
75334 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
75335 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A No
75336 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
75337 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A No
75340 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A No
75341 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A Yes
75342 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
75343 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
75345 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A No
75347 Yes XXXXXX XXXXXX C A A A A A C A C A A A A A C A Not Applicable
75348 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B Not Applicable
75349 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A Not Applicable
75350 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
75351 Yes XXXXXX XXXXXX D A A A A A D A D A A A A A D A Not Applicable
75353 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A Yes
76072 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
75354 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A No
75355 Yes XXXXXX XXXXXX D B B B A A D A D B B B A A D A Yes
76073 No XXXXXX XXXXXX A A A A A A N/A N/A A A A A A A N/A N/A Not Applicable
75356 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A Not Applicable
75360 Yes XXXXXX XXXXXX D A A A A A D A D A A A A A D A Yes
75361 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A No
76074 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A Yes
75366 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
75367 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
75368 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
75370 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
76075 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A No
75374 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A No
75375 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A No
75376 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A No
75377 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
75379 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
75380 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
75381 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
75382 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
75383 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A Yes
75384 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A No
76076 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A No
76077 Yes XXXXXX XXXXXX B A B A A A A A B A B A A A A A No
75388 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
75389 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A No
75390 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A No
75391 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A Not Applicable
75395 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
75400 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
75401 Yes XXXXXX XXXXXX D A A A A A D A D A A A A A D A Not Applicable
75402 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A Not Applicable
75403 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
75406 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
75408 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A Not Applicable
75409 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
75410 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A Not Applicable
75411 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
75412 Yes XXXXXX XXXXXX C A A A A A C A C A A A A A C A Not Applicable
75415 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
76079 Yes XXXXXX XXXXXX A A A A A A N/A N/A A A A A A A N/A N/A Not Applicable
75419 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Yes
75420 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
75421 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A No
76080 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A Yes
76081 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A Not Applicable
75424 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A No
75425 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
75426 Yes XXXXXX XXXXXX C B C B A A A A C B C B A A A A No
75428 Yes XXXXXX XXXXXX C A A A A A C A C A A A A A C A Not Applicable
75429 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
75434 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
76083 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
75436 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A No
75437 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A Not Applicable
76084 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A No
76085 Yes XXXXXX XXXXXX B B B B A A N/A N/A B B B B A A N/A N/A Yes
76086 Yes XXXXXX XXXXXX A A A A A A N/A N/A A A A A A A N/A N/A Not Applicable
76087 Yes XXXXXX XXXXXX A A A A A A N/A N/A A A A A A A N/A N/A Not Applicable
75438 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
76088 Yes XXXXXX XXXXXX D B B B A A D A D B B B A A D A No
75439 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
76089 Yes XXXXXX XXXXXX B B B B B B A A B B B B B B A A Not Applicable
76090 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A Yes
76091 Yes XXXXXX XXXXXX C A C A A A A A C A C A A A A A Yes
76093 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A Yes
76095 Yes XXXXXX XXXXXX B B A A B B N/A N/A B B A A B B N/A N/A Not Applicable
76099 Yes XXXXXX XXXXXX A A A A A A N/A N/A A A A A A A N/A N/A Not Applicable
76100 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A No
76101 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A No
76102 Yes XXXXXX XXXXXX D B B B A A D A D B B B A A D A No
76103 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A No
76105 Yes XXXXXX XXXXXX A A A A A A N/A N/A A A A A A A N/A N/A Not Applicable
76108 Yes XXXXXX XXXXXX D B D B A A A A D B D B A A A A No
76114 Yes XXXXXX XXXXXX A A A A A A N/A N/A A A A A A A N/A N/A Not Applicable
76115 Yes XXXXXX XXXXXX D A A A A A D A D A A A A A D A No
76117 Yes XXXXXX XXXXXX D B B B A A D A D B B B A A D A No
76118 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Yes
76119 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A No
76120 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
76121 Yes XXXXXX XXXXXX B B B B A A N/A N/A B B B B A A N/A N/A Not Applicable
76122 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A Yes
76123 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
76125 Yes XXXXXX XXXXXX A A A A A A N/A N/A A A A A A A N/A N/A Not Applicable
76127 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A No
76128 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
76129 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
76130 Yes XXXXXX XXXXXX D B B B A A D A D B B B A A D A Yes
76131 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
76132 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
76134 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
76137 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
76138 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
76139 Yes XXXXXX XXXXXX C B B B A A C B C B B B A A C B Yes
76141 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A Not Applicable
76142 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A Not Applicable
76144 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
76147 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A No
76148 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A Not Applicable
76149 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A Not Applicable
76150 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A Not Applicable
76151 Yes XXXXXX XXXXXX A A A A A A N/A N/A A A A A A A N/A N/A Not Applicable
76152 Yes XXXXXX XXXXXX D B D B A A A A D B D B A A A A Not Applicable
76153 Yes XXXXXX XXXXXX C B A A A A C B C B A A A A C B Not Applicable
76155 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
76156 Yes XXXXXX XXXXXX B B B B A A N/A N/A B B B B A A N/A N/A Not Applicable
76157 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
76158 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A Not Applicable
76159 Yes XXXXXX XXXXXX B A A A A A B A B A A A A A B A Not Applicable
76160 Yes XXXXXX XXXXXX B B B B A A N/A N/A B B B B A A N/A N/A Not Applicable
76161 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A Yes
76162 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A No
76163 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A Not Applicable
76164 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B No
76165 Yes XXXXXX XXXXXX B B B B A A N/A N/A B B B B A A N/A N/A Not Applicable
76167 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
76168 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
76169 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A No
76176 Yes XXXXXX XXXXXX D B D B A A A A D B D B A A A A No
76177 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A Not Applicable
76178 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A Not Applicable
76179 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A No
76182 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
76184 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
76185 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B Not Applicable
76186 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A No
76187 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
76188 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A No
76189 Yes XXXXXX XXXXXX B B B B B B A A B B B B B B A A Yes
76190 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A No
76192 Yes XXXXXX XXXXXX B A B A A A A A B A B A A A A A No
76193 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A No
76194 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
76195 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
76196 Yes XXXXXX XXXXXX D B D B A A D A D B D B A A D A No
76197 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
76198 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
76200 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A No
76202 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A No
76203 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
76204 Yes XXXXXX XXXXXX A A A A A A N/A N/A A A A A A A N/A N/A Not Applicable
76205 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
76206 Yes XXXXXX XXXXXX D A A A A A D A D A A A A A D A Not Applicable
76207 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A No
76208 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
76209 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
76210 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
76212 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
76214 Yes XXXXXX XXXXXX C B B B A A C A C B B B A A C A No
76215 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A No
76216 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A No
76218 Yes XXXXXX XXXXXX A A A A A A N/A N/A A A A A A A N/A N/A Not Applicable
76220 Yes XXXXXX XXXXXX A A A A A A N/A N/A A A A A A A N/A N/A Not Applicable
76221 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
76225 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
76228 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A No
76229 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A Not Applicable
76232 Yes XXXXXX XXXXXX B B B B A A N/A N/A B B B B A A N/A N/A No
76233 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A Yes
76234 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A No
76237 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Yes
76239 Yes XXXXXX XXXXXX B B B B A A N/A N/A B B B B A A N/A N/A No
76243 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A No
76245 Yes XXXXXX XXXXXX B B B B A A N/A N/A B B B B A A N/A N/A Yes
76246 Yes XXXXXX XXXXXX B B B B A A N/A N/A B B B B A A N/A N/A Not Applicable
76247 Yes XXXXXX XXXXXX B B B B A A N/A N/A B B B B A A N/A N/A Not Applicable
70736 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable