濠滨律师团01 发表于 2024-1-8 15:13

男子借朋友61万要不回,引发热议!

<section><section><section><section><section><section><section><section><section><section><section><section><section><section><section style="transform: rotateZ(0deg) scale(1);"><section><section><section style="transform: rotateZ(0deg) scale(1);"><section><section><section style="transform: rotateZ(0deg) scale(1);"><section><section><section style="margin: 10px;line-height: 0;font-size: 0px;overflow: hidden;box-shadow: rgb(127, 127, 127) -1px -1px 10px;transform: scale(1);"><section style="vertical-align: top;height: 0px;" class="mp_profile_iframe_wrp"></section><section style="line-height: 0;pointer-events: none;transform: scale(1);"></section></section></section></section></section></section></section></section></section></section></section></section><section><section><section><section><section style="outline: 0px;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);line-height: 2em;text-align: center;font-family: system-ui, -apple-system, Arial, sans-serif;"><section><section><section style="font-size: 16px;"><section style="line-height: 2;letter-spacing: 2px;"><section><section><p style="text-align: justify;"><span style="font-size: 16px;letter-spacing: 1.5px;text-align: justify;caret-color: red;font-family: 微软雅黑, &quot;Microsoft YaHei&quot;;"><br/></span></p><section><p style="text-align:center;line-height: 1.75em;"><span style="font-size: 16px;letter-spacing: 2px;font-family: 微软雅黑, &quot;Microsoft YaHei&quot;;">借给朋友61万</span></p><p style="text-align:center;line-height: 1.75em;"><span style="font-size: 16px;letter-spacing: 2px;font-family: 微软雅黑, &quot;Microsoft YaHei&quot;;">四年未还</span></p><p style="text-align:center;line-height: 1.75em;"><span style="color:#c00000;"><strong><span style="font-size: 16px;letter-spacing: 2px;font-family: 微软雅黑, &quot;Microsoft YaHei&quot;;">这钱竟然要不回来了?</span></strong><strong><span style="font-size: 16px;letter-spacing: 2px;font-family: 微软雅黑, &quot;Microsoft YaHei&quot;;"></span></strong></span></p><p style="text-align:center;line-height: 1.75em;"><br/></p><p style="text-align:center;line-height: 1.75em;"><img src="https://pic.0513.org/forum/weixin/cd/64/cd645f114759ff75a8c0105b9b9de060.jpg"/></p><p style="text-align:center;line-height: 1.75em;"><br/></p><p style="text-align:justify;line-height: 1.75em;"><span style="font-size: 16px;letter-spacing: 2px;font-family: 微软雅黑, &quot;Microsoft YaHei&quot;;">2018年,老张因做生意需用资金,向朋友老陈借款61万元,<span style="color: rgb(0, 0, 0);">并签订了《借款合同》</span>,约定在2018年至2019年借款期间,<span style="color: rgb(192, 0, 0);"><strong>老张以自己的一套房产作为抵押物对该借款提供抵押担保,双方办理了抵押登记手续。</strong></span></span></p><p style="text-align:justify;line-height: 1.75em;"><br/></p><p style="text-align:justify;line-height: 1.75em;"><span style="font-size: 16px;letter-spacing: 2px;font-family: 微软雅黑, &quot;Microsoft YaHei&quot;;">后来两人长期没有联系,且老陈从未向老张催要过欠款,或采取其他方式主张权利。</span></p><p style="text-align:justify;line-height: 1.75em;"><br/></p><p style="text-align:center;line-height: 1.75em;"><span style="font-size: 16px;letter-spacing: 2px;font-family: 微软雅黑, &quot;Microsoft YaHei&quot;;">2023年</span></p><p style="text-align:center;line-height: 1.75em;"><span style="font-size: 16px;letter-spacing: 2px;color: rgb(0, 0, 0);font-family: 微软雅黑, &quot;Microsoft YaHei&quot;;">老张向法院起诉</span></p><p style="text-align:center;line-height: 1.75em;"><span style="font-size: 16px;letter-spacing: 2px;font-family: 微软雅黑, &quot;Microsoft YaHei&quot;;"><strong><span style="color: rgb(192, 0, 0);">要求老陈配合其</span></strong></span></p><p style="text-align:center;line-height: 1.75em;"><span style="font-size: 16px;letter-spacing: 2px;font-family: 微软雅黑, &quot;Microsoft YaHei&quot;;"><strong><span style="color: rgb(192, 0, 0);">办理注销抵押权登记手续</span></strong></span></p><p style="text-align:center;line-height: 1.75em;"><span style="font-size: 16px;letter-spacing: 2px;font-family: 微软雅黑, &quot;Microsoft YaHei&quot;;"><strong><span style="color: rgb(192, 0, 0);">并返还房屋所有权证</span></strong></span></p><p style="text-align:center;line-height: 1.75em;"><span style="font-size: 16px;letter-spacing: 2px;color: rgb(0, 0, 0);font-family: 微软雅黑, &quot;Microsoft YaHei&quot;;">老陈则要求</span></p><p style="text-align:center;line-height: 1.75em;"><span style="font-size: 16px;letter-spacing: 2px;font-family: 微软雅黑, &quot;Microsoft YaHei&quot;;"><strong><span style="color: rgb(192, 0, 0);">老张先还钱</span></strong></span></p><p style="text-align:center;line-height: 1.75em;"><br/></p><section><section style="display: flex;flex-direction: column;margin: 10px auto;"><section style="display: flex;justify-content: flex-start;margin-bottom: -3px;padding-left: 5px;z-index: 8;"><section style="width: 5px;height: 5px;border-width: 1px;border-style: solid;border-color: rgb(221, 175, 119);border-radius: 100%;margin-left: 5px;background-color: rgb(255, 255, 255);overflow: hidden;"><br/></section><section style="width: 5px;height: 5px;border-width: 1px;border-style: solid;border-color: rgb(221, 175, 119);border-radius: 100%;margin-left: 5px;background-color: rgb(255, 255, 255);overflow: hidden;"><br/></section><section style="width: 5px;height: 5px;border-width: 1px;border-style: solid;border-color: rgb(221, 175, 119);border-radius: 100%;margin-left: 5px;background-color: rgb(255, 255, 255);overflow: hidden;"><br/></section></section><section style="border-width: 1px;border-style: solid;border-color: rgb(221, 175, 119);padding: 10px 13px;"><section style="line-height: 1.75em;letter-spacing: 1.5px;font-size: 14px;color: rgb(51, 51, 51);background-image: initial;background-position: initial;background-size: initial;background-repeat: initial;background-attachment: initial;background-origin: initial;background-clip: initial;"><p style="text-align:justify;line-height: 1.75em;font-size: 16px;letter-spacing: 2px;color: rgb(192, 0, 0);text-indent: 0em;"><span style="color: rgb(0, 0, 0);">信丰县人民法院经审理认为,老张和老陈之间的借款行为发生在2018年,约定借款期间为一年。老陈未举证证明借款的诉讼时效存在中止或中断等情形,</span><strong>故其债权的诉讼时效于借款期满之日起三年,即2022年1月6日届满。</strong></p><p style="text-align:justify;max-inline-size: 100%;cursor: text;color: rgb(192, 0, 0);font-size: 16px;caret-color: rgb(255, 0, 0);line-height: 1.75em;letter-spacing: 2px;text-indent: 0em;outline: none 0px !important;"><br/></p><p style="text-align:justify;max-inline-size: 100%;cursor: text;color: rgb(192, 0, 0);font-size: 16px;caret-color: rgb(255, 0, 0);line-height: 1.75em;letter-spacing: 2px;text-indent: 0em;outline: none 0px !important;"><span style="max-inline-size: 100%;cursor: text;color: rgb(0, 0, 0);outline: none 0px !important;">本案中,</span><span style="max-inline-size: 100%;cursor: text;outline: none 0px !important;"><strong style="max-inline-size: 100%;cursor: text;outline: none 0px !important;"><span style="max-inline-size: 100%;cursor: text;outline: none 0px !important;">老陈未在其主债权诉讼时效期间行使抵押权,现诉讼时效已经届满,</span></strong><span style="max-inline-size: 100%;cursor: text;color: rgb(0, 0, 0);">故老张诉请老陈协助其办理注销房屋抵押登记手续,并向其返还上述房屋所有权证,</span><strong style="max-inline-size: 100%;cursor: text;outline: none 0px !important;"><span style="max-inline-size: 100%;cursor: text;outline: none 0px !important;">有事实及法律依据,依法予以支持。</span></strong></span></p><p style="text-align:justify;max-inline-size: 100%;cursor: text;color: rgb(192, 0, 0);font-size: 16px;caret-color: rgb(255, 0, 0);line-height: 1.75em;letter-spacing: 2px;text-indent: 0em;outline: none 0px !important;"><br/></p><p style="text-align:justify;max-inline-size: 100%;cursor: text;color: rgb(192, 0, 0);font-size: 16px;caret-color: rgb(255, 0, 0);line-height: 1.75em;letter-spacing: 2px;text-indent: 0em;outline: none 0px !important;"><span style="max-inline-size: 100%;cursor: text;color: rgb(0, 0, 0);outline: none 0px !important;">老陈(债权人<span style="max-inline-size: 100%;cursor: text;">)</span>向法院主张权利的诉讼时效期间为三年,存在中止或中断的情形,但最长一般不超过20年,</span><span style="max-inline-size: 100%;cursor: text;outline: none 0px !important;"><strong style="max-inline-size: 100%;cursor: text;outline: none 0px !important;">诉讼时效期间届满后,其就丧失了胜诉抗辩权。</strong></span></p><p style="text-align:justify;max-inline-size: 100%;cursor: text;color: rgb(192, 0, 0);font-size: 16px;caret-color: rgb(255, 0, 0);line-height: 1.75em;letter-spacing: 2px;text-indent: 0em;outline: none 0px !important;"><br/></p><p style="text-align:justify;max-inline-size: 100%;cursor: text;color: rgb(192, 0, 0);font-size: 16px;caret-color: rgb(255, 0, 0);line-height: 1.75em;letter-spacing: 2px;text-indent: 0em;outline: none 0px !important;"><span style="max-inline-size: 100%;cursor: text;color: rgb(0, 0, 0);outline: none 0px !important;">本案中老陈自述《借款合同》到期后其从未向老张催要过欠款,老张也未主动联系其还钱,</span><span style="max-inline-size: 100%;cursor: text;outline: none 0px !important;"><strong style="max-inline-size: 100%;cursor: text;outline: none 0px !important;">可以证实其主张债权的三年诉讼时效期间已经届满,且其在主债权诉讼时效期间,亦未行使抵押权,故法院对老陈的抗辩理由依法不予采信。</strong></span></p></section></section><section style="display: flex;justify-content: flex-end;margin-top: -23px;margin-right: 10px;z-index: 9;"><section style="background-color: #ffffff;"><section style="width: 35px;"><img src="data/attachment/forum/weixin/e3/98/e3980baef9eedeafd6816d322dae4385.jpg"/></section></section></section></section></section><p><br/></p><section><section style="margin: 10px auto;display: flex;justify-content: center;align-items: flex-end;"><section style="flex-shrink: 0;margin-right: -25px;z-index: 10;"><section style="width: 40px;"><img src="data/attachment/forum/weixin/e3/98/e3980baef9eedeafd6816d322dae4385.jpg"/></section></section><section style="display: flex;flex-direction: column;padding-bottom: 4px;"><section style="width: 55%;height: 15px;background-image: linear-gradient(to right, rgb(240, 217, 170), rgb(255, 255, 255));background-position: initial;background-size: initial;background-repeat: initial;background-attachment: initial;background-origin: initial;background-clip: initial;margin-bottom: -10px;margin-left: -6px;overflow: hidden;max-width: 55% !important;"><br/></section><section style="font-size: 16px;color: rgb(240, 217, 170);text-align: center;background-color: rgb(192, 0, 0);padding: 3px 25px;z-index: 9;"><p style="line-height:1.75em;"><span style="letter-spacing: 2px;color: rgb(255, 255, 255);"><strong>法条链接</strong></span></p></section><section style="display: flex;justify-content: flex-end;"><section style="width: 50%;height: 15px;margin-top: -10px;margin-right: -5px;background-image: linear-gradient(to right, rgb(241, 217, 170), rgb(254, 236, 199));background-position: initial;background-size: initial;background-repeat: initial;background-attachment: initial;background-origin: initial;background-clip: initial;overflow: hidden;max-width: 50% !important;"><br/></section></section></section></section></section><p style="text-align:center;outline: 0px;letter-spacing: 0.544px;line-height: 1.75em;font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><br/></p><p style="text-align:center;outline: 0px;letter-spacing: 0.544px;line-height: 1.75em;font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px;color: rgb(127, 127, 127);font-size: 14px;">(上下滑动查看更多内容↓)</span></p><section style="outline: 0px;letter-spacing: 0.544px;text-align: center;background-color: rgb(255, 255, 255);font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><section style="margin: 10px auto;outline: 0px;text-align: justify;"><section style="outline: 0px;overflow-y: auto;height: 400px;width: 100%;display: inline-block;"><section style="outline: 0px;"><section style="outline: 0px;color: rgb(51, 51, 51);line-height: 1.75em;letter-spacing: 1.5px;font-size: 14px;"><p style="outline: 0px;vertical-align: inherit;"><strong><span style="caret-color: red;color: #000000;letter-spacing: 2px;font-family: 微软雅黑, &quot;Microsoft YaHei&quot;;">《中华人民共和国民法典》</span></strong></p><p><br/></p><p><strong><span style="color: #000000;letter-spacing: 2px;font-family: 微软雅黑, &quot;Microsoft YaHei&quot;;">第一百八十八条</span></strong><span style="color: #000000;letter-spacing: 2px;font-family: 微软雅黑, &quot;Microsoft YaHei&quot;;">&nbsp;向人民法院请求保护民事权利的诉讼时效期间为三年。法律另有规定的,依照其规定。<br/></span></p><p><br/></p><p><span style="color: #000000;letter-spacing: 2px;font-family: 微软雅黑, &quot;Microsoft YaHei&quot;;">诉讼时效期间自权利人知道或者应当知道权利受到损害以及义务人之日起计算。法律另有规定的,依照其规定。但是,自权利受到损害之日起超过二十年的,人民法院不予保护,有特殊情况的,人民法院可以根据权利人的申请决定延长。</span></p><p><br/></p><p><strong><span style="color: #000000;letter-spacing: 2px;font-family: 微软雅黑, &quot;Microsoft YaHei&quot;;">第一百九十四条</span></strong><span style="color: #000000;letter-spacing: 2px;font-family: 微软雅黑, &quot;Microsoft YaHei&quot;;">&nbsp;在诉讼时效期间的最后六个月内,因下列障碍,不能行使请求权的,诉讼时效中止:</span></p><p><span style="color: #000000;letter-spacing: 2px;font-family: 微软雅黑, &quot;Microsoft YaHei&quot;;">(一)不可抗力;</span></p><p><span style="color: #000000;letter-spacing: 2px;font-family: 微软雅黑, &quot;Microsoft YaHei&quot;;">(二)无民事行为能力人或者限制民事行为能力人没有法定代理人,或者法定代理人死亡、丧失民事行为能力、丧失代理权;</span></p><p><span style="color: #000000;letter-spacing: 2px;font-family: 微软雅黑, &quot;Microsoft YaHei&quot;;">(三)继承开始后未确定继承人或者遗产管理人;</span></p><p><span style="color: #000000;letter-spacing: 2px;font-family: 微软雅黑, &quot;Microsoft YaHei&quot;;">(四)权利人被义务人或者其他人控制;</span></p><p><span style="color: #000000;letter-spacing: 2px;font-family: 微软雅黑, &quot;Microsoft YaHei&quot;;">(五)其他导致权利人不能行使请求权的障碍。</span></p><p><br/></p><p><span style="color: #000000;letter-spacing: 2px;font-family: 微软雅黑, &quot;Microsoft YaHei&quot;;">自中止时效的原因消除之日起满六个月,诉讼时效期间届满。</span></p><p><br/></p><p><strong><span style="color: #000000;letter-spacing: 2px;font-family: 微软雅黑, &quot;Microsoft YaHei&quot;;">第一百九十五条</span></strong><span style="color: #000000;letter-spacing: 2px;font-family: 微软雅黑, &quot;Microsoft YaHei&quot;;">&nbsp;有下列情形之一的,诉讼时效中断,从中断、有关程序终结时起,诉讼时效期间重新计算:</span></p><p><span style="color: #000000;letter-spacing: 2px;font-family: 微软雅黑, &quot;Microsoft YaHei&quot;;">(一)权利人向义务人提出履行请求;</span></p><p><span style="color: #000000;letter-spacing: 2px;font-family: 微软雅黑, &quot;Microsoft YaHei&quot;;">(二)义务人同意履行义务;</span></p><p><span style="color: #000000;letter-spacing: 2px;font-family: 微软雅黑, &quot;Microsoft YaHei&quot;;">(三)权利人提起诉讼或者申请仲裁;</span></p><p><span style="color: #000000;letter-spacing: 2px;font-family: 微软雅黑, &quot;Microsoft YaHei&quot;;">(四)与提起诉讼或者申请仲裁具有同等效力的其他情形。</span></p><p><br/></p><p><strong><span style="color: #000000;letter-spacing: 2px;font-family: 微软雅黑, &quot;Microsoft YaHei&quot;;">第一百九十六条</span></strong><span style="color: #000000;letter-spacing: 2px;font-family: 微软雅黑, &quot;Microsoft YaHei&quot;;">&nbsp;下列请求权不适用诉讼时效的规定:</span></p><p><span style="color: #000000;letter-spacing: 2px;font-family: 微软雅黑, &quot;Microsoft YaHei&quot;;">(一)请求停止侵害、排除妨碍、消除危险;</span></p><p><span style="color: #000000;letter-spacing: 2px;font-family: 微软雅黑, &quot;Microsoft YaHei&quot;;">(二)不动产物权和登记的动产物权的权利人请求返还财产;</span></p><p><span style="color: #000000;letter-spacing: 2px;font-family: 微软雅黑, &quot;Microsoft YaHei&quot;;">(三)请求支付抚养费、赡养费或者扶养费;</span></p><p><span style="color: #000000;letter-spacing: 2px;font-family: 微软雅黑, &quot;Microsoft YaHei&quot;;">(四)依法不适用诉讼时效的其他请求权。</span></p><p><br/></p><p><strong><span style="color: #000000;letter-spacing: 2px;font-family: 微软雅黑, &quot;Microsoft YaHei&quot;;">《中华人民共和国物权法》</span></strong></p><p><br/></p><p><strong><span style="color: #000000;letter-spacing: 2px;font-family: 微软雅黑, &quot;Microsoft YaHei&quot;;">第二百零二条</span></strong><span style="color: #000000;letter-spacing: 2px;font-family: 微软雅黑, &quot;Microsoft YaHei&quot;;">&nbsp;抵押权人应当在主债权诉讼时效期间行使抵押权;未行使的,人民法院不予保护。</span></p></section></section></section></section></section><section><p><br/></p></section><section><section style="margin: 10px auto;display: flex;justify-content: center;"><section style="flex-shrink: 0;display: flex;align-items: center;margin-right: -3px;"><section style="width: 15px;"></section></section><section style="display: flex;justify-content: center;"><section style="flex-shrink: 0;display: flex;align-items: center;"><section style="width: 0px;height: 1px;border-right: 11px solid rgb(192, 0, 0);border-top: 16px solid transparent;border-bottom: 16px solid transparent;overflow: hidden;"><br/></section></section><section style="background-color: rgb(192, 0, 0);padding-right: 10px;padding-left: 10px;line-height: 33px;"><section style="font-size: 16px;color: #ffffff;text-align: center;"><p style="line-height:1.75em;"><span style="letter-spacing: 2px;font-family: 微软雅黑, &quot;Microsoft YaHei&quot;;"><strong>如何避免超过诉讼时效?</strong></span></p></section></section><section style="flex-shrink: 0;display: flex;align-items: center;"><section style="width: 0px;height: 1px;border-left: 11px solid rgb(192, 0, 0);border-top: 16px solid transparent;border-bottom: 16px solid transparent;overflow: hidden;"><br/></section></section></section><section style="flex-shrink: 0;display: flex;align-items: center;margin-left: -3px;"><section style="width: 15px;"></section></section></section></section><p style="text-align:center;line-height: 1.75em;"><br/></p><p style="text-align:center;line-height: 1.75em;"><strong><span style="font-size: 16px;letter-spacing: 2px;line-height: 1.81em;color: rgb(192, 0, 0);font-family: 微软雅黑, &quot;Microsoft YaHei&quot;;">借条“过期”</span></strong></p><p style="text-align:center;line-height: 1.75em;"><strong><span style="font-size: 16px;letter-spacing: 2px;line-height: 1.81em;color: rgb(192, 0, 0);font-family: 微软雅黑, &quot;Microsoft YaHei&quot;;">即是债务超过诉讼时效</span></strong></p><p style="text-align:justify;line-height: 1.75em;"><br/></p><p style="text-align:justify;line-height: 1.75em;"><span style="font-size: 16px;letter-spacing: 2px;line-height: 1.75em;font-family: 微软雅黑, &quot;Microsoft YaHei&quot;;">对于借据中明确约定借款期限的,债权人要在借款期限届满后三年内通过积极的方式向债务人主张债权,可以中断诉讼时效,<strong><span style="line-height: 1.81em;color: rgb(192, 0, 0);">主张的方式包括:</span></strong>当面提出还款要求、制定还款协议或通过邮寄催款函、发送催款信息、拨打电话索要欠款、向司法机关报案或控告、向人民法院提起诉讼等,</span><span style="color:#c00000;"><strong><span style="font-size: 16px;letter-spacing: 2px;line-height: 1.81em;font-family: 微软雅黑, &quot;Microsoft YaHei&quot;;">同时注意在索要过程中要保留相应证据。</span></strong></span></p><p><br/></p><p style="text-align:center;"><img src="data/attachment/forum/weixin/83/2a/832aa048784e69992a50dc0b8b9f55fe.jpg"/></p><p><br/></p><p style="text-align:center;"><strong><span style="font-size: 16px;letter-spacing: 2px;line-height: 1.75em;color: rgb(0, 0, 0);font-family: 微软雅黑, &quot;Microsoft YaHei&quot;;">法官提醒</span></strong></p><p style="text-align:center;outline: 0px;color: rgb(0, 0, 0);letter-spacing: 1.5px;caret-color: rgba(0, 0, 0, 0);font-family: PingFangSC-light;"><span style="font-size: 16px;letter-spacing: 2px;line-height: 1.75em;font-family: 微软雅黑, &quot;Microsoft YaHei&quot;;">法律不保护躺在权利上睡觉的人</span></p><p style="text-align:center;outline: 0px;color: rgb(0, 0, 0);letter-spacing: 1.5px;caret-color: rgba(0, 0, 0, 0);font-family: PingFangSC-light;"><span style="font-size: 16px;letter-spacing: 2px;line-height: 1.75em;font-family: 微软雅黑, &quot;Microsoft YaHei&quot;;">债权人要注意诉讼时效</span></p><p style="text-align:center;outline: 0px;color: rgb(0, 0, 0);letter-spacing: 1.5px;caret-color: rgba(0, 0, 0, 0);font-family: PingFangSC-light;"><span style="font-size: 16px;letter-spacing: 2px;line-height: 1.75em;font-family: 微软雅黑, &quot;Microsoft YaHei&quot;;">及时依法维权</span></p><section><p><br/></p></section></section></section></section></section></section></section><section><section style="outline: 0px;text-align: center;background-color: rgb(255, 255, 255);visibility: visible;"><section style="outline: 0px;visibility: visible;"><section style="outline: 0px;visibility: visible;"><section style="outline: 0px;visibility: visible;"><section style="outline: 0px;visibility: visible;"><section style="letter-spacing: 0.544px;outline: 0px;font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><p style="text-align:justify;margin-top: 15px;margin-right: 5px;margin-left: 5px;outline: 0px;"><span style="letter-spacing: 2px;font-size: 14px;line-height: 1.5em;font-family: 微软雅黑, &quot;Microsoft YaHei&quot;;outline: 0px;color: rgb(127, 127, 127);">来源:南方都市报、江西法院、</span><span style="letter-spacing: 2px;font-size: 14px;line-height: 1.5em;font-family: 微软雅黑, &quot;Microsoft YaHei&quot;;outline: 0px;color: rgb(127, 127, 127);">巩义市人民法院</span></p><p style="margin-bottom: 5px;letter-spacing: 0.544px;text-align: center;white-space: normal;font-family: -apple-system, &quot;system-ui&quot;, Arial, sans-serif;font-size: 16px;background-color: rgb(255, 255, 255);outline: 0px;vertical-align: inherit;"><br/></p></section></section></section></section></section></section></section></section></section></section></section></section></section></section></section></section></section></section></section><section><section style="letter-spacing: 0.578px;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;"><section><section><section><section style="width: 100%;line-height: 0;margin: auto;"><br/></section></section></section></section></section></section></section></section></section></section></section></section></section><p style="display: none;"></p>
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