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(Click for frequent words.) 57 John Dastlik 56 REIWA 53 Simon Tennent 52 forecaster BIS Shrapnel 50 BIS Shrapnel 50 RP Data 50 Rob Druitt 49 REIV 48 Australian Property Monitors 48 UDIA 48 Wilhelm Harnisch 48 dwelling commencements 48 REIQ 47 housing affordability 47 NAHB 47 Ron Silberberg 47 Australia REIA 47 chairman Stewart Baseley 47 QBE LMI 47 Rismark International 47 Queensland REIQ 47 Home Builders Federation HBF 46 Stewart Baseley 46 REINSW 46 Master Builders 46 Archicentre 46 Walter Molony 46 HBF 45 NAR 45 dwelling approvals 45 Reinz 45 MAAR 45 AHIA 45 Aaron Gadiel 45 ACCI 45 Chartered Surveyors RICS 45 Australia UDIA 45 Residential Letting Agents 45 BCREA 45 CAAMP 44 Urban Taskforce 44 RP Data Rismark 44 IMLA 44 BRANZ 44 Home Builders 44 REINZ 44 Christopher Joye 44 Rismark 44 Tony Pensabene 43 Dale Ripplinger 43 RICS 43 CCIWA 43 Enzo Raimondo 43 Econtech 43 president Noel Dyett 43 NHPAU 43 Residex 43 CMHC 43 Mary Trupo 43 Cameron Kusher 43 Rics 42 Home Builders NAHB 42 NZIER 42 AiGroup 42 PRDnationwide 42 Wilhelm Harnish 42 Infometrics 42 CBIA 42 Gregory Klump CREA 42 Residential Letting Agents ARLA 42 Glenda Whitehead 42 Victoria REIV 42 Glenigan 42 Maryland Aviation Administration 42 REISA 42 Stewart Baseley executive 42 Mr Druitt 42 VECCI 42 Acadametrics 42 SmartNewHomes.com 42 Consumer Inflationary Expectations 42 Heather Ridout 42 Simon Rubinsohn RICS 42 Housing Affordability Index 42 Mr Matusik 42 Debra Goostrey 41 NatRoad 41 Walt Molony 41 Montalti 41 Residential Letting Agents Arla 41 spokesman Walter Molony 41 Crowe NAHB 41 Metrostudy 41 REIA 41 Dwelling approvals 41 Industry ACCI 41 Mortgage Bankers Assn 41 SmartNewHomes 41 Intermediary Mortgage Lenders 41 CAAR 41 Fionnuala Earley Nationwide 41 Gahbauer 41 David Lereah NAR 41 Caryn Kakas 41 Robert Rivinius 41 Imtiaz Farookhi 41 Residential Lettings Agents 41 Jennian 40 EnerQuality 40 ARLA 40 Georges Pahud 40 Robert Kleinhenz 40 AVJennings 40 SARAA 40 Chartered Surveyors Rics 40 REBGV 40 Martin Gahbauer Nationwide 40 Mortgage Intermediaries 40 GNAR 40 FCAI 40 ARMLS 40 LGNZ 40 Homebuilders NAHB 40 Donna Reichle 40 Master Builders FMB 40 Realtors NAR 40 David Bexon managing 40 Alan Oster 40 MetroStudy 40 Architecture Billings 40 Bob Dugan CMHC 40 Walt Hibner 39 McGrath Estate Agents 39 Quotable Value 39 author Christena Singh 39 Welfare AIHW 39 Angie Zigomanis 39 Mr Rumbens 39 Chartered Surveyors 39 dwelling consents 39 Hometrack 39 Gord Archibald 39 CHBA 39 LandMark White 39 singlefamily 39 Ms Plibersek 39 RBA 39 Findaproperty.com 39 Jay Brinkmann MBA 39 economist Lawrence Yun 39 NHBC 39 Building Approvals 39 Chief Executive Tim Cossar 39 Chartered surveyors 39 Australian Lot Feeders 39 Propertyfinder.com 39 Joe Lenzo 39 Simon Rubinsohn Rics 39 Pearl Kamer 39 Fiserv Case Shiller 39 Queensland LGAQ 39 Urbanation 39 realestate.co.nz 39 Mike Pero Mortgages 39 M PF YieldStar 38 MarketPointe 38 Paragon Mortgages 38 VCOSS 38 GROCERYchoice 38 Growcom 38 QSBO 38 Limited AIAL 38 Housing Affordability Fund 38 homebuilders 38 Australand Property Group 38 Real Estate Roundtable 38 Cashcard retail 38 Adamache 38 DCLG 38 Glenn Byres 38 LSL Property Services 38 HIRI 38 Mr Abedian 38 Andrew McKellar 38 NZHC 38 Housebuilding 38 homebuilding 38 Cathy Whatley 38 BIS Shrapnel forecasts 38 Rubinsohn 38 Shipside 38 GCAR 38 VIREB 38 Housing Affordability 38 Linda Rheinberger 38 Ms Jarratt 38 Kenneth Simonson 38 David Seiders NAHB 38 Manufactured Housing Institute 38 Ann Pettijohn 38 Kieran Davies 38 CBRE Econometric Advisors 38 LGAQ 37 Mr Eslake 37 CIPS 37 MRIS 37 Dietitians Association 37 consultancy Hometrack 37 Superannuation Trustees AIST 37 LVIA 37 Karl Berron 37 chief economist Fionnuala 37 Valuer General 37 Auspoll survey 37 chronic undersupply 37 Toll Bros. 37 Remodelors Council 37 Mortgage Bankers Association 37 RBC Economics 37 OHBA 37 GJ Gardner 37 FPDSavills 37 Metrolist 37 Savills Plc 37 AIHW 37 NAHB Remodelers 37 ABARE 37 builders 37 NJBA 37 ORRA 37 CBRE Hotels 37 De Garis 37 Lawrence Yun NAR 37 Mr Cossar 37 Hometrack Ltd. 37 Kermit Baker 37 Lereah 37 Australia ASFA 37 HotStats 37 Bob Cunneen 37 economist Paul Samter 37 Countrywide Residential Lettings 37 NHHRC 37 AHIPP 37 Market Tightness 37 Edie Ousley 37 John Wriglesworth Hometrack 37 Remodeling Activity LIRA 37 Greg Berkemer executive 37 Mr Dastlik 37 QCOSS 37 CanaData 37 Berson PMI 37 GLVAR 37 Bernard Markstein 37 Ms Ridout 37 economist Andrew Hanlan 37 UHERO 36 Kristy Sheppard 36 Mr Triguboff 36 CommSec economist Savanth Sebastian 36 Gregory Klump 36 broker Charcol 36 RealNet Canada 36 http:/www.realtor.org 36 Cairns Lockie 36 Ted Tsiakopoulos CMHC 36 Pipfruit NZ 36 Beth L. Peerce 36 SRAR 36 Westpac Melbourne 36 Australand 36 SIA 36 Miles Shipside 36 SAHBA 36 Barbour ABI 36 Case Schiller 36 Home Builders Association 36 Opposition Leader Zed Seselja 36 mform 36 BWEA 36 Eldon Rude 36 National Rental Affordability 36 Vice Chancellors Committee 36 Spicerhaart 36 Grondel 36 Dennis Jacobe Gallup 36 Unsold Inventory Index 36 Royal LePage Real Estate 36 Eaqub 36 RVIA 36 Hanley Wood 36 propertyfinder.com 36 economy.com 36 Travelscene 36 NAEA 36 Eunan King 36 Euroconstruct 36 NEADA 36 analyst Cameron Kusher 36 Mr de Garis 36 IHCDA 36 Canterbury Westland 36 principal economist Shamubeel 36 Landlord Assist 36 Realestate.co.nz 36 Builder Sourcing 36 Realtors 36 FHOG 36 BridgeStreet Corporate 36 Minister Frank Terenzini 36 SEQ 36 Airservices Australia 36 David Dooks BBA 36 Saul Geffen 36 Markit Chartered 36 Housing Federation NHF 36 QV Valuations 36 Mr Hanlan 36 Trawin 36 ORBA 36 Victor Calanog 36 Recreational Vehicle Industry 36 Connells Survey 36 Quotable Value QV 36 Delfin Lend Lease 36 Westpoll 36 Mr Pensabene 36 David Dooks 36 Economic Modelling NATSEM 36 Mortgage Intermediaries AMI 36 Orawin Velz 36 nonresidential construction 36 LSL Property 36 Demographia 36 Hovany 36 website Rightmove.co.uk 36 McGraw Hill Construction 36 Chuck Bonfiglio 36 Kremydas 36 NABE 36 ConstructionSkills 36 UKTFA 36 OANZ 36 Mortgage Lenders CML 36 consultancy Colliers 35 PHBCA 35 Confidence Monitor 35 RLJP 35 NATSEM 35 NARDA GILMORE 35 Imtiaz Farookhi chief 35 National Franchised Dealers 35 A2Dominion 35 Mr Kusher 35 Homebuilders 35 Redevelopment Officials NAHRO 35 Moodys Economy.com 35 PHSI 35 Michael Polzler executive 35 ASID 35 CIPS RBS 35 Cassandra Goldie 35 Jake Moldowan 35 Traveler Sentiment 35 CEO Margy Osmond 35 Superannuation Funds 35 Treasurer Andrew Refshauge 35 Michael Fratantoni 35 Estate Agents NAEA 35 Sumnall 35 CIRB 35 Greypower 35 Acadametrics Ltd. 35 SPAA 35 Ontario IBAO 35 NAIMA 35 Galliford Try Homes 35 Tarion Warranty Corporation 35 Westpac ACCI 35 Tarion 35 TREB 35 information packs Hips 35 REALTORS 35 Ms Polygenis 35 AIACC 35 economist Fionnuala Earley 35 PROSALES 35 NJBIA 35 IVEY PMI 35 spokesman Gary Fites 35 president Dale Ripplinger 35 Cromford Report 35 REALTORS ® CAR 35 RealSTATs 35 GROCERYchoice website 35 Glenigan Index 35 NAR Pending 35 ABTA 35 Victor Fiume 35 Demographia International 35 Donna Shirey 35 NLGN 35 Ausveg 35 Mark Obrinsky 35 Warren Jestin Scotiabank 35 AFTA 35 Harcourts 35 Landcom 35 Gopal Ahluwalia 35 Mortgage Approvals 35 Appliance Manufacturers AHAM 35 AAHAM 35 HPI 35 Homeswest 35 developer Australand Property 35 Management Consultancies Association 35 Homeloans Ltd 35 Dunedin Canmore 35 RightMove 35 SalesTraq 35 SIHIP 35 Bellway 35 approvals 35 NYSAR 35 Swiss SVME PMI 35 RealFacts 35 NBTA 35 Ratedpeople.com 35 Robyn Adamache 35 Tinsa 35 Carolinas AGC 35 LGI Homes 35 Spareroom.co.uk 35 Metrostudy real estate 35 CIOB 35 REALTORÂ ® 35 Ira Gribin Workforce 35 Angelo Gavrielatos 35 Bedfordshire Pilgrims 35 Radar Logic 35 Remodelers Association 35 Housebuilder Berkeley 35 Peta Seaton 35 Multiple Listings Service 35 Douglas Yearley Jr. 35 preowned homes 35 BUILDER Magazine 35 RIAR 35 Milan Khatri 35 Dr Ironmonger 35 AHA 35 seasonably adjusted 35 Appliance Manufacturers 35 Residential Lettings Agents Arla 35 Ganesh Nana 35 Otteau 35 CHFA 35 information packs HIPs 35 homebuyer tax 34 PHCA 34 ACOSS 34 VicUrban 34 Wimpey 34 Pieter Burghout 34 Business Economics NABE 34 housing 34 Business Roundtable 34 Pipfruit 34 Daft.ie 34 REALTORS NAR 34 Finance Agency FHFA 34 QV Valuation 34 Case Shiller index 34 Laer Pearce 34 Gail D. Fosler 34 CBI distributive 34 Martin Gahbauer 34 Otteau Valuation Group 34 Dr Birrell 34 Statscan 34 Solicitors Property 34 Econsult Corp. 34 resales 34 NFIB 34 Michael Polzler 34 Asteco 34 Buyer Agents 34 AHAM 34 Nick Tuffley 34 unsold homes 34 Homebuilder 34 Michael Coogan CML 34 Permanent TSB ESRI 34 Mike Inselmann 34 PMI 34 Assetz 34 Gillian Charlesworth 34 PropNex 34 Valuers 34 builder Bellway 34 RateCity 34 TEC Confidence Index 34 NEEP 34 ONPHA 34 Roger Yohem 34 Ahipp 34 Alistair Helm 34 Ted Tsiakopoulos 34 Airservices 34 Carol Frketich 34 Helmut Pastrick 34 Remodeling Futures 34 Jock Laurie 34 NEFAR 34 Rightmove 34 Christine Chmura 34 Arthur Rutenberg 34 VeroFORECAST 34 NAIOP 34 Patrick Secker 34 Polzler 34 Maracay Homes 34 AusVeg 34 Professionals CAAMP 34 Colleen Badagliacco 34 Regional Multiple Listing 34 SMMT 34 GMREB 34 Green Building SmartMarket 34 CraftBuilt Homes 34 Research NZIER 34 Corangamite 34 Chief Executive Ara Hovnanian 34 FindaProperty.com 34 Index PHSI 34 BDRC Continental 34 Residential Remodeling 34 DR Horton 34 Bankwest 34 Fionnuala Earley 34 Miles Shipside Rightmove 34 housebuilders 34 Professor McKibbin 34 MAHBA 34 Callcutt 34 Bill Malkasian 34 CIPS PMI 34 Rider Levett Bucknall 34 Mr Fites 34 DCA 34 John Symond 34 Association IMLA 34 CREA 34 Mr Ciobo 34 Armidale Dumaresq Council 34 HomExpert 34 Sarasota Bradenton 34 Hotel Consultancy Services 34 NKBA 34 Econintersect 34 Royal Institution 34 Steven Wojtkiw 34 RICS Lettings Survey 34 Aeronautical Repair Station 34 Edie Ousley spokeswoman 34 Consumer Confidence Survey 34 Mr Milkovits 34 Mortgage Lenders 34 CITB ConstructionSkills 34 economist Shamubeel Eaqub 34 Housing 34 ISM Manufacturing Survey 34 Enterprise Oversight 34 David de Garis 34 NAHMA 34 repossessions 34 GAFO 34 Mr Gahbauer 34 Accredited Mortgage 34 DataQuick Information Systems 34 LBIA 34 ISM nonmanufacturing 34 FHBA 34 Colliers International 34 Homebuilders Association 34 ACTPLA 34 TAVMA 34 housebuilding 34 AHRI 34 PETER ANDERSON 34 CRS Designation 34 Jeffrey Otteau 34 e.surv 34 Network RESNET 34 seasonally adjusted 34 pollsters GfK NOP 34 Keith Sashaw president 34 resales dipped 34 ARC 34 Allied Surveyors 34 AFIRE 33 Positively Wellington Tourism 33 Builder Homesite Inc. 33 Rightmove Miles Shipside 33 Employment Confederation REC 33 TRI Hospitality Consulting 33 Online Publishers AOP 33 Miles Shipside commercial 33 CML 33 Builder Homesite 33 Investec PMI 33 Baldy View 33 Toll Brothers Inc. 33 PulteGroup 33 Pardee Homes 33 SACOB 33 Treasure Coast Builders 33 NZNO 33 Government CLG 33 CBI distributive trades 33 Remodeling Industry 33 Broker Owner 33 Economic Modelling 33 BIFMA 33 Transfund 33 Cameron Findlay LendingTree 33 Australian Secondary Principals 33 metropolitan statistical areas 33 Home Buyer 33 Thredgold 33 economist Savanth Sebastian 33 P/Case- Shiller 33 REALTORS ® 33 COMMERCIAL REAL ESTATE OUTLOOK 33 IABM 33 Markit CIPS survey 33 Peseta Sam Lotu Iiga 33 Mortgage approvals 33 HDB resale 33 Webjet 33 CREDAI 33 Housebuilder Bellway 33 Case Shiller indexes 33 NAHB Multifamily 33 MYEFO 33 CMDHB 33 Private Rented Sector 33 economist Martin Gahbauer 33 economist Joseph Capurso 33 Kenya Insurers AKI 33 MHA 33 Property Federation BPF 33 Nicholas Leeming 33 Remarkables Park 33 Lawrence Yun 33 Thoroughbred Racing NZTR 33 FNAIM 33 Affordability Index 33 Brian Catalde 33 CIPS Markit PMI 33 Kondinin Group 33 Katie Lahey 33 ALMR 33 Treasurer Terry Mackenroth 33 Residential Landlords 33 Association BHTA 33 Guy Tauer 33 Skilled vacancies 33 NRCA 33 Residential Lettings Agents ARLA 33 UBuildIt 33 Zoopla.co.uk 33 Coldwell Banker Hearthside 33 Savanth Sebastian 33 interest.co.nz 33 Investment Property Databank 33 Foreclosure resales peaked 33 Mr Schwarten 33 TTNQ 33 Oliver Gilmartin 33 Dr Edey 33 Edinburgh Solicitors 33 Peter Verwer 33 NACFB 33 Frketich 33 Minister Jay Weatherill 33 Housing Needs Assessment 33 Recreational Vehicle Dealers 33 ITEM Club 33 Ernie Goss 33 accountants BDO 33 Building Societies 33 website Rightmove 33 Bernard Markstein senior 33 CATAAlliance 33 Steven Munchenberg 33 MCVB 33 Ulf Schoefisch 33 Advice Unit NHPAU 33 HTA 33 president Georges Pahud 33 Mform.co.uk 33 Darren Cheeseman 33 Dataquick 33 Sherry FitzGerald 33 Bottfeld 33 Prudential Locations 33 REALTOR ® associations 33 Search Consultants AESC 33 Construction Centre.co.uk 33 Association NFDA 33 Chesterton Humberts 33 haart 33 Brian Redican 33 Jarrod Kerr 33 HDB upgraders 33 Torto Wheaton 33 Oliver Gilmartin RICS 33 Walter Molony spokesman 33 Destination Manawatu 33 Travelex Confidence Index 33 Realtors Pending 33 SIMON TENNENT 33 Kristine Foye 33 CAMB 33 Redrow Homes Lancashire 33 Amy Bohutinsky 33 David Bexon 33 ATA 33 Jerry Bunin 33 Gregg Doud 33 builders remodelers 33 Toll Brothers 33 Experian Automotive 33 MFAA 33 Lawby 33 Connal Townsend 33 Housebuilders 33 Builders 33 haart estate 33 District SCRD 33 Ms Kevans 33 AHOME 33 NFDA 33 Paul Braddick 33 RMLS 33 RUPCO 33 economist Jonathan Cavenagh 33 ODPM 33 consultants DTZ 33 Newspolls 33 Cebr 33 DataQuick 33 Ms MacTiernan 33 seasonally adjusted annualized 33 Northern Territory Emergency Response 33 PropertyGuys.com 33 compiler Markit 33 Mr Corish 33 NZDA 33 Homewise 33 BNAR 33 Roslyn Dundas 33 Mr Sartor 33 Australian Vice Chancellors 33 Richard Donnell Hometrack 33 NZMEA 33 website Zoopla.co.uk 33 Commsec economist Savanth Sebastian 33 Mr Smirk 33 CEA 33 MarketPointe Realty Advisors 33 Eric Fishwick CLSA 33 DHBNZ 33 RoadSafe 33 SHFA 33 PMI Mortgage 33 PMSA 33 Airwork 33 BHA 33 Stephen Sandherr 33 Bohutinsky 33 Landcor 33 CALIFORNIA ASSOCIATION OF REALTORS 33 NAHRO 33 Mr Redican 33 CIAB 33 ASHI 33 MATT WORDSWORTH 32 RealStats 32 Northern Territory Intervention 32 Marge Della Vecchia 32 Realtysellers 32 Grattan Institute 32 Airlines AEA 32 Nicholas Leeming commercial 32 Treasurer Wayne Swan 32 Northwest Multiple Listing 32 Ivey Purchasing Managers 32 Anand Nallathambi president 32 EEF 32 economist Brian Redican 32 Layne Marceau 32 Palerang 32 Markit CIPS PMI 32 Mr Aird 32 SBCA 32 OFHEO 32 Monthly Inflation Gauge 32 Steven Spinola 32 Ryan McMaken 32 property consultancy DTZ 32 Consumer Bankers Association 32 director Jonno Ingerson 32 TrainerBase 32 Annual Demographia 32 TechServe Alliance 32 Manufactured Housing Association 32 Homes 32 Carl Steidtmann Deloitte 32 EMRS poll 32 Rightmove Plc 32 Transport Anthony Albanese 32 Frank Nothaft 32 REBNY 32 Association AWEA 32 BuildFax 32 Leading Indicator 32 Pack Providers AHIPP 32 Associated Press-Re/Max Monthly 32 economist Stephen Toplis 32 REALTOR R 32 Grayson Glaze 32 economist Helen Kevans 32 Remodeling Activity 32 nonmanufacturing activity 32 FirstRungNow.com 32 Tsiakopoulos 32 Kagiso PMI 32 Erica McLerie 32 NTC Economics Ltd. 32 Moana Mackey 32 Mr Symond 32 Foreclosures accounted 32 Daniel Grollo 32 Bayleys 32 Australia MFAA 32 PIANJ 32 affordability 32 NJAR ® 32 Cambridge Econometrics 32 OMSCo 32 realtors 32 MP Jim Turnour 32 Musselroe 32 Realpoint LLC 32 Multiple Listing Service 32 homebuyers 32 NTC Economics 32 Association APPEA 32 Architects AIA 32 Leading Indicator Index 32 Private nonresidential 32 Markit CIPS 32 Mortgage Arrears 32 Workforce Participation 32 IPART 32 consultancy King Sturge 32 Homebuyer 32 COAG 32 CBRE 32 GHA 32 Consulting Actuaries 32 Pat Vredevoogd Combs 32 MaineHousing 32 Palerang Council 32 Fiabci Malaysia 32 Multifamily 32 LandCorp 32 Point2 Technologies Inc. 32 economist Saul Eslake 32 REO saturation 32 RealFacts Novato 32 Millan Mulraine economics 32 pct yy 32 Jamie Woodwell 32 Mr Dinte 32 homebuilder sentiment 32 Obrinsky 32 Melfyn Williams 32 Management IREM 32 Toll TOL 32 ReraRera 32 Pharmaceutical Industry ABPI 32 UnitingCare 32 El Dorado Placer 32 condo resales 32 BookNet Canada 32 Minister Stirling Hinchliffe 32 DCHA 32 UMich consumer sentiment 32 Francis Ghiloni marketing 32 Redrow 32 PMVB 32 HOUSEBUILDER Persimmon 32 APSCo 32 Qualified Remodeler 32 Vacation Rental Managers 32 CNBC Diana Olick 32 FNB BER 32 UMich index 32 Homeowner Confidence 32 SREDA 32 Horticultural Trades Association 32 Realtor associations 32 CIPS Markit 32 SCVO 32 Most islanders hunkered 32 SAPOA 32 Scottish Retail Consortium 32 HNZC 32 Doug Azarian 32 StatsCan 32 HIPs 32 DoIR 32 Traveston dam 32 Eslake 32 website Daft.ie 32 Housing Predictor 32 Galliford Try 32 Sekisui House 32 Intergenerational Report 32 Gladedale 32 NAA 32 AFGC 32 Fuelwatch 32 ELFAA 32 FSCP 32 AP-Re/Max report 32 Trendgraphix 32 Sustainable Communities Plan 32 Residential Landlords Association 32 Martin Hamblin GfK 32 Mrs Ridout 32 Daniel Meckstroth 32 Rural Mainstreet Index 32 REIN 32 Richard Goatcher 32 Hawke Bay Taranaki 32 Quinn Eddins 32 foreclosure resales 32 Harold Crye 32 Landlord Mortgages 32 BizBen.com 32 Newspoll 32 Reusable Packaging Association 32 AFIF 32 CoreNet Global 32 AAHC 32 ANZO 32 THIA 32 CBI Distributive Trades 32 DataQuick Information 32 Dubai ChamberDubai Chamber 32 PKF HR 32 Real Estate Econometrics 32 Bleakly Advisory Group 32 Home Furnishings Alliance 32 downwardly revised pace 32 Nationwide Consumer Confidence 32 mortgagee 32 Westkott 32 FMAA 32 NZSA 32 Seiders 32 Huntlee 32 Commercial Leading Indicator 32 Charles Lammam 32 Van Metre Homes 32 Ivey PMI 32 CIH 32 Housing Affordability Survey 32 NIESR 32 Elliot Winer 32 Georges Pahud CREA 32 Economist Lawrence Yun 32 CSMLS 32 Team NEO 32 Research Cebr 32 Agenix 32 DBEDT 32 BATA 32 distributive trades 32 Schoefisch 31 Equipment Manufacturers AEM 31 Caddick Developments 31 chairman Tony Frankham 31 Carol Frketich CMHC