SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
Form 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of the
Securities Exchange Act of 1934
Date of Report (Date of earliest event reported)
February 25, 1996
RESIDENTIAL ASSET SECURITIES CORP
(Exact name of the registrant as specified in its charter)
33-56893
(Commission File Number)
Delaware 51-0362653
(State or other (I.R.S Employee
jurisdiction of Identification No.)
incorporation)
8400 Normandale Lake Boulevard 55437
Minneapolis, Minnesota (Zip Code)
(Address of Principal
Executive Offices)
Registrant's telephone number, including area code
(612) 832-7000
Item 5. Other Events
See the respective monthly reports, each reflecting the
required information for the February 1996 distribution to
holders of the following series of Conduit Mortgage
Pass-Through Certificates.
Master Serviced by Residential Funding Corporation
1995-KS1
1995-KS2
1995-KS3
1995-KS4
Item 7. Financial Statements and Exhibits
(a) See attached monthly reports
SIGNATURES
Pursuant to the requirements of the Securities Exchange
Act of 1934, the registrant has duly caused this
report to be signed onits behalf by the undersigned
thereunto duly authorized.
RESIDENTIAL ASSET
SECURITIES CORP
By:
Name: Scott Young
Title: Vice President
and Controller
Dated: February 25, 1996
Run: 02/28/96 15:55:58 REPT1B.FRG
Page: 1 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ASSET SECURITIES CORPORATION (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1995-KS1 (POOL # 4173)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4173
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
A 76110WAB2 94,350,062.00 75,400,572.44 6.275000 % 1,246,618.38
R 0.00 1,636,971.18 0.000000 % 0.00
- -------------------------------------------------------------------------------
94,350,062.00 77,037,543.62 1,246,618.38
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
A 407,394.50 1,654,012.88 0.00 0.00 74,153,954.06
R 0.00 0.00 0.00 0.00 1,886,222.64
- -------------------------------------------------------------------------------
407,394.50 1,654,012.88 0.00 0.00 76,040,176.70
===============================================================================
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
A 799.157635 13.212693 4.317904 17.530597 0.000000 785.944943
_______________________________________________________________________________
DETERMINATION DATE 20-February-96
DISTRIBUTION DATE 26-February-96
Run: 02/28/96 15:55:58 rept2.frg
Page: 2 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ASSET SECURITIES CORPORATION (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES 1995-KS1 (POOL # 4173)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4173
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 30,486.97
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 1,451.86
SUBSERVICER ADVANCES THIS MONTH 137,463.51
MASTER SERVICER ADVANCES THIS MONTH 4,020.66
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 51 5,653,365.65
(B) TWO MONTHLY PAYMENTS: 19 2,389,803.97
(C) THREE OR MORE MONTHLY PAYMENTS: 4 265,241.57
FORECLOSURES
NUMBER OF LOANS 50
AGGREGATE PRINCIPAL BALANCE 6,015,397.12
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 76,040,176.70
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 720
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 3
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 398,619.83
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 963,731.33
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR SUBORDINATE
PERCENTAGE FOR CURRENT DISTRIBUTION 97.87509950 % 2.12490050 %
CURRENT PREPAYMENT PERCENTAGE 100.00000000 % 0.00000000 %
PERCENTAGE FOR NEXT DISTRIBUTION 97.51943940 % 2.48056060 %
BANKRUPTCY AMOUNT AVAILABLE 100,000.00
FRAUD AMOUNT AVAILABLE 2,830,502.00
SPECIAL HAZARD AMOUNT AVAILABLE 1,238,927.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 10.93936955
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 345.29
POOL TRADING FACTOR: 80.59366903
................................................................................
Run: 02/28/96 15:55:59 REPT1B.FRG
Page: 1 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ASSET SECURITIES CORPORATION (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1995-KS2 (POOL # 4179)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4179
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
A 76110WAC0 105,461,520.00 96,449,739.10 6.125000 % 1,609,681.22
R 0.00 992,672.13 0.000000 % 0.00
- -------------------------------------------------------------------------------
105,461,520.00 97,442,411.23 1,609,681.22
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
A 508,593.41 2,118,274.63 0.00 0.00 94,840,057.88
R 0.00 0.00 271,661.00 0.00 1,264,333.13
- -------------------------------------------------------------------------------
508,593.41 2,118,274.63 271,661.00 0.00 96,104,391.01
===============================================================================
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
A 914.549109 15.263209 4.822550 20.085759 0.000000 899.285900
_______________________________________________________________________________
DETERMINATION DATE 20-February-96
DISTRIBUTION DATE 26-February-96
Run: 02/28/96 15:55:59 rept2.frg
Page: 2 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ASSET SECURITIES CORPORATION (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES 1995-KS2 (POOL # 4179)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4179
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 39,204.58
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 2,395.61
SUBSERVICER ADVANCES THIS MONTH 104,213.27
MASTER SERVICER ADVANCES THIS MONTH 851.24
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 63 7,981,873.41
(B) TWO MONTHLY PAYMENTS: 19 2,054,494.55
(C) THREE OR MORE MONTHLY PAYMENTS: 4 291,683.62
FORECLOSURES
NUMBER OF LOANS 21
AGGREGATE PRINCIPAL BALANCE 1,520,265.19
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 96,104,391.01
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 864
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 2
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 103,621.80
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 1,292,701.81
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR SUBORDINATE
PERCENTAGE FOR CURRENT DISTRIBUTION 98.98127300 % 1.01872700 %
CURRENT PREPAYMENT PERCENTAGE 100.00000000 % 0.00000000 %
PERCENTAGE FOR NEXT DISTRIBUTION 98.68441690 % 1.31558310 %
BANKRUPTCY AMOUNT AVAILABLE 100,000.00
FRAUD AMOUNT AVAILABLE 3,163,846.00
SPECIAL HAZARD AMOUNT AVAILABLE 1,798,026.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 10.44638959
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 349.56
POOL TRADING FACTOR: 91.12744690
................................................................................
Run: 02/28/96 15:52:17 REPT1B.FRG
Page: 1 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ASSET SECURITIES CORPORATION (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1995-KS3 (POOL # 4181)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4181
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
A1-I 76110WAD8 36,305,000.00 29,959,997.67 8.000000 % 1,698,801.82
A2-I 76110WAE6 26,280,000.00 26,280,000.00 8.000000 % 0.00
A3-I 76110WAF3 19,819,000.00 19,819,000.00 8.000000 % 0.00
A4-I 76110WAG1 16,482,000.00 16,482,000.00 8.000000 % 0.00
A5-I 76110WAH9 11,122,743.00 11,122,743.00 8.000000 % 0.00
A-II 76110WAJ5 41,561,444.00 38,966,366.79 8.000000 % 490,997.01
R 76110WAK2 100.00 0.00 8.000000 % 0.00
B1-I 1,946,488.25 1,934,455.94 8.120000 % 3,092.92
B2-I 760,800.00 756,097.07 8.120000 % 1,208.89
B3-I 988,100.00 851,268.84 8.120000 % 1,361.06
B1-I 1,125,622.41 1,117,507.51 8.120000 % 847.72
B2-I 259,759.02 257,886.35 8.120000 % 195.63
B3-I 346,345.37 341,181.85 8.120000 % 258.81
SPRE 0.00 0.00 1.962926 % 0.00
- -------------------------------------------------------------------------------
156,997,402.05 147,888,505.02 2,196,763.86
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
A1-I 199,703.05 1,898,504.87 0.00 0.00 28,261,195.85
A2-I 175,173.45 175,173.45 0.00 0.00 26,280,000.00
A3-I 132,106.65 132,106.65 0.00 0.00 19,819,000.00
A4-I 109,863.35 109,863.35 0.00 0.00 16,482,000.00
A5-I 74,140.38 74,140.38 0.00 0.00 11,122,743.00
A-II 259,767.31 750,764.32 0.00 0.00 38,475,369.78
R 0.00 0.00 0.00 0.00 0.00
B1-I 13,087.84 16,180.76 0.00 0.00 1,931,363.02
B2-I 5,115.48 6,324.37 0.00 0.00 754,888.18
B3-I 5,759.38 7,120.44 0.00 0.00 808,862.78
B1-II 7,561.55 8,409.27 0.00 0.00 1,116,659.79
B2-II 1,744.97 1,940.60 0.00 0.00 257,690.72
B3-II 2,308.58 2,567.39 0.00 0.00 340,923.05
SPRED 241,883.05 241,883.05 0.00 0.00 0.00
- -------------------------------------------------------------------------------
1,228,215.04 3,424,978.90 0.00 0.00 145,650,696.17
===============================================================================
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
A1-I 825.230620 46.792503 5.500704 52.293207 0.000000 778.438117
A2-I 1000.000000 0.000000 6.665656 6.665656 0.000000 1000.000000
A3-I 1000.000000 0.000000 6.665657 6.665657 0.000000 1000.000000
A4-I 1000.000000 0.000000 6.665656 6.665656 0.000000 1000.000000
A5-I 1000.000000 0.000000 6.665656 6.665656 0.000000 1000.000000
A-II 937.560466 11.813762 6.250199 18.063961 0.000000 925.746704
R 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
B1-I 993.818452 1.588974 6.723822 8.312796 0.000000 992.229478
B2-I 993.818441 1.588972 6.723817 8.312789 0.000000 992.229469
B3-I 861.520939 1.377452 5.828742 7.206194 0.000000 818.604166
B1-I 992.790744 0.753112 6.717661 7.470773 0.000000 992.037632
B2-I 992.790741 0.753121 6.717649 7.470770 0.000000 992.037620
B3-I 985.091413 0.747260 6.665543 7.412803 0.000000 984.344169
_______________________________________________________________________________
DETERMINATION DATE 20-February-96
DISTRIBUTION DATE 26-February-96
Run: 02/28/96 15:52:18 rept2.frg
Page: 2 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ASSET SECURITIES CORPORATION (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES 1995-KS3 (POOL # 4181)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4181
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 48,437.86
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 0.00
SUBSERVICER ADVANCES THIS MONTH 205,522.39
MASTER SERVICER ADVANCES THIS MONTH 0.00
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 49 13,374,032.87
(B) TWO MONTHLY PAYMENTS: 14 3,627,435.12
(C) THREE OR MORE MONTHLY PAYMENTS: 8 1,673,540.31
FORECLOSURES
NUMBER OF LOANS 8
AGGREGATE PRINCIPAL BALANCE 2,641,093.79
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 145,650,696.17
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 578
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 0
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 0.00
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 1,829,543.89
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR SUBORDINATE
PERCENTAGE FOR CURRENT DISTRIBUTION 96.44435010 % 3.55565000 %
CURRENT PREPAYMENT PERCENTAGE 100.00000000 % 0.00000000 %
PERCENTAGE FOR NEXT DISTRIBUTION 96.42268270 % 3.57731730 %
BANKRUPTCY AMOUNT AVAILABLE 100,000.00
FRAUD AMOUNT AVAILABLE 1,569,974.00
SPECIAL HAZARD AMOUNT AVAILABLE 3,579,541.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 10.52928600
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 271.03
POOL TRADING FACTOR: 92.77267921
................................................................................
Run: 02/28/96 15:56:02 REPT1B.FRG
Page: 1 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ASSET SECURITIES CORPORATION (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1995-KS4 (POOL # 4190)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4190
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
A 76110WAL0 98,996,689.00 97,967,430.87 6.125000 % 2,452,113.67
R 4,664,765.74 4,927,128.59 0.000000 % 0.00
- -------------------------------------------------------------------------------
103,661,454.74 102,894,559.46 2,452,113.67
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
A 516,696.75 2,968,810.42 0.00 0.00 95,515,317.20
R 0.00 0.00 289,718.34 0.00 5,216,846.93
- -------------------------------------------------------------------------------
516,696.75 2,968,810.42 289,718.34 0.00 100,732,164.13
===============================================================================
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
A 989.603106 24.769653 5.219334 29.988987 0.000000 964.833452
R 1056.243521 0.000000 0.000000 0.000000 62.107801 1118.351321
_______________________________________________________________________________
DETERMINATION DATE 20-February-96
DISTRIBUTION DATE 26-February-96
Run: 02/28/96 15:56:02 rept2.frg
Page: 2 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ASSET SECURITIES CORPORATION (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES 1995-KS4 (POOL # 4190)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4190
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 38,966.32
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 0.00
SUBSERVICER ADVANCES THIS MONTH 86,194.31
MASTER SERVICER ADVANCES THIS MONTH 0.00
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 72 7,693,990.41
(B) TWO MONTHLY PAYMENTS: 19 2,407,183.80
(C) THREE OR MORE MONTHLY PAYMENTS: 3 283,193.63
FORECLOSURES
NUMBER OF LOANS 0
AGGREGATE PRINCIPAL BALANCE 0.00
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 100,732,164.13
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 968
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 0
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 0.00
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 2,026,786.97
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 77,302.99
DISTRIBUTION PERCENTAGES:
SENIOR SUBORDINATE
PERCENTAGE FOR CURRENT DISTRIBUTION 95.21147800 % 4.78852200 %
CURRENT PREPAYMENT PERCENTAGE 100.00000000 % 0.00000000 %
PERCENTAGE FOR NEXT DISTRIBUTION 94.82107130 % 5.17892870 %
BANKRUPTCY AMOUNT AVAILABLE 100,000.00
FRAUD AMOUNT AVAILABLE 3,109,844.00
SPECIAL HAZARD AMOUNT AVAILABLE 1,697,474.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 10.22455469
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 341.60
POOL TRADING FACTOR: 97.17417567
................................................................................
