OOOOOOOOOOOOOOOOOOOOOOOOOOOOOOO
OOOOOOOOOOOOOOOOOOOOOOOOOOOOOOO
OOOOOOOOOOOOOOOOOOOOOOOOOOOOOOO
OOOOOOOOOOOOOOOOOOOOOOOOOOOOOOO
OOOOOOOOOOOOOOOOOOOOOOOOOOOOOOO
OOOOOOOOOOOOOOOOOOOOOOOOOOOOOOO
OOOOOOOOOOOOOOOOOOOCOOOOOOOOOOO
OOOOOOOOOOOOOOOOOOOOOOOOOOOOOOO
OOOOOOOOOOOOOOOOOOOOOOOOOOOOOOO
OOOOOOOOOOOOOOOOOOOOOOOOOOOOOOO
OOOOOOOOOOOOOOOOOOOOOOOOOOOOOOO

2- If you already found the C, now find the 6 below.

99999999999999999999999999999999999999999999999
99999999999999999999999999999999999999999999999
99999999999999999999999999999999999999999999999
69999999999999999999999999999999999999999999999
99999999999999999999999999999999999999999999999
99999999999999999999999999999999999999999999999

3 – Now find the N below. It’s a little more difficult.

MMMMMMMMMMMMMMMMMMMMMMMMMMMMNMM
MMMMMMMMMMMMMMMMMMMMMMMMMMMMMMM
MMMMMMMMMMMMMMMMMMMMMMMMMMMMMMM
MMMMMMMMMMMMMMMMMMMMMMMMMMMMMMM
MMMMMMMMMMMMMMMMMMMMMMMMMMMMMMM

This is NOT a joke. If you were able to pass these three tests, you can cancel your annual visit to your neurologist. Your brain is great and you’re far from having a close relationship with Mr Alzheimer.
I’m only sending this to my ‘old’ friends. 

Eonvrye whocan raed this rsaie your hnad.

To my ‘selected’ strange-minded friends:

If you can read the following paragraph, forward it on to your friends and the person that sent it to you with ‘yes’ in the subject line… Only great minds can read this
This is weird, but interesting!

If you can raed this, you have a sgtrane mnid too

Can you raed this? Olny 55 plepoe out of 100 can.

I cdnuolt blveiee that I cluod aulaclty uesdnatnrd what I was rdanieg. The phaonmneal pweor of the hmuan mnid, aoccdrnig to a rscheearch at Cmabrigde Uinervtisy, it dseno’t mtaetr in what oerdr the ltteres in a word are, the olny iproamtnt tihng is that the frsit and last ltteer be in the rghit pclae. The rset can be a taotl mses and you can still raed it whotuit a pboerlm. This is bcuseae the huamn mnid deos not raed ervey lteter by istlef, but the word as a wlohe. Azanmig huh? Yaeh and I awlyas tghuhot slpeling was ipmorantt! If you can raed this forwrad it

FORWARD ONLY IF YOU CAN READ IT 

Forward it & put ‘YES’ in the Subject List

PLEASE HELP US TO REMOVE THIS GROUP FROM THE POPULAR  WEBSITE FACEBOOK!!!!!!!

JUST ADD YOUR NAME TO THE LIST AND FORWARD, IT ONLY TAKES A FEW MINUTES OF YOUR TIME!!!!!!!!!!!!!!
It’s easy
1- Click Forward
2- Add your name.
3-Send it to your contacts

This mail serves as a petition to protest the group “Fuck Jesus Christ” which appears on the popular website Facebook.

Though the group, claims to be for the freedom of speech – it is offensive to Christians around the world.
No longer will we stand and watch Jesus Christ being abused by people who think it is ok to hide behind ‘freedom of speech’.

When a picture of the Prophet Muhammed appeared in a Danish newspaper, the Muslim community united and ensured action was taken.

By adding your name to the bottom of this petition, you are calling on the Pope, our leader, to be the voice for all Christians and speak out against this blatant abuse of our Lord and Saviour Jesus Christ. We want Facebook to remove this group and others like it with immediate effect.

It is not acceptable!

Please add your name to the list at the bottom and if you are the 100th person, please forward the mail onto the Pope his e-mail address is < mailto:benedettoxvi@vatican.va>

1. Cindy Poluta ( South Africa )
2. Bradley Spolander ( South Africa )
3. Michel Hanouch ( South Africa )
4.. Mandy Hanouch ( South Africa )
5. Veronica Hanouch
6.. Anthony Hanouch
7. Ramona Hanouch
8. Richard Joseph
9. Cliff & Shirley Mazaham
10. Maureen Karam
11. Diane Karam
12. W J Karam
13. J Karam
14. C M Karam
15. A D Karam
16. C N Karam
17. Shirley Magua
18. Nakita Magua
19. Daniel Gossayn
20. Mary Van den Dolden
21. Peter Gossayn ( Australia )
22. Alida Gossayn ( Australia )
23. ANTHONY YAZBEK ( SOUTH AFRICA )
24. MARC YAZBEK ( SOUTH AFRICA )
25. Marita Lennox ( South Africa )
26. James Lennox ( South Africa )
27. James Rik Lennox ( South Africa )
29. Gayel Lennox ( South Africa )
30. Frank Visser
31.. Roxanne Visser
32. Kalsey Visser
33. Carrie Visser
34. Rika Van Wyk
35. Dylan Van Wyk
36. Raymond Van Wyk
37. Annette Hattingh ( South Africa )
38. Tania Burton
39. Ian Burton
40. Joshua Burton
41. Jacques Burton
42. Jean Pierre Burton
43. Ann van Vuuren
44. Duggie van Vuuren
45. Marietjie Radue
46.. Russell Austin.
47. Jock Austin
48. Liz Austin
49. Tommy Swart
50. Ilse Swart
51. Toetsie Vlok
52. Albert Curtain
53. Ronelle Ma rais
54. Riana le Roux
55. Estelle Lindstrom
56. Brian Lindstrom
57. Sharon Fuchs
58. Thomas Fuchs
59. Jody Fuchs
60. Debbie Fuchs
61. Uwe Fuchs
62. Claudia Fuchs
63. Clarissa Dikcerson
64. Natalie Westraadt
65. Gerd Hummel
66. Erna de Lange
67. Anthony Williams
68. ED Williams ( South Africa )
69. RE Williams ( South Africa )
70. AR Brookman ( South Africa )
71. P. Bessinger ( South Africa )
72. D. Williams ( South Africa )
73. M. Marais ( South Africa )
74. J. Bessinger ( South Africa )
75. J. Barnardo ( South Africa )
76. L. Loock ( South Africa )
77. C. Loock ( South Africa )
78. A Muller (S.. Africa )
79. PASTOR DAN MEKAVAN ( SOUTH AFRICA )
80. JENNY MEKAVEN ( SOUTH AFRICA )
81. Sharlene Pillay ( South Africa )
82. Calvin Pillay ( south Africa )
83. Lynnore Norton -SA
84. Jonathan Damans-SA
85. Chevonne Adams
86.TATUM COLVILLE – SA
87 NICOLE MOODLEY – SA
88 Luke – SA< BR>89 Veronica Samuels – SA
90 Bianca Hurbans – SA
91 R Naidoo
92 G. Naidoo
93 P Naidoo
94 M Naidoo
95 R Naidoo
96 K Naidoo
97 N Samuel
98 F A Samuel
99 N S Samuel
100 N Naidoo
101. Krishnee Naidoo – SA
102 A Ragubi
103 T Naidoo -SA
104 J Munien – SA
105. Pinky Jairus
106. Jonah Jairus
107. Javaine J Jairus
108. Wayde R Jairus
109..NELLIE THANARAYEN
110.BRIAN THANARAYEN
111..MELISSA THANARAYEN
112.BYRON THANARAYEN
113. Selvie Thanarayen
114. Roberta Thanarayen
115. Kay Naidoo
116.. Basil Naidoo
117. Leanne Thanarayen
118. JACKLYN NAIR
119. JORDAN DANTE MATTHEW
120. SANDRA NAIR
121. JEFFREY NAIR
122. ALLISON NAIR
123. NEVILLE NAIR
124. GABRIELLE NAIR
125 Gladys Winterbottom
126 Matthew Winterbottom
127 Timothy Winterbottom
128 Lindiwe Maci
129  R Govender
130 T Govender
131. E Govender
132. Loshnie Govender
133. Kamie Govender
134.Prenesh Singh
!35 Manoj Sewsunker
136 A Kruger
137 V Kruger
138 Marie Erasmus
139 Pieter Erasmus
140 Renier Erasmus
141 Johan Rousseau
142 Elmarie Rousseau
143 Bonita Herbst
144 Stanley du Plessis
145 Jackie du Plessis
146 Elna Fourie
147  Michellé Berkenbusch
148  Tiffany Berkenbusch
149  Elsabé Nel
150  André Nel
151   Zelda Smith
152  Marietjie Jansen van Nieuwenhuizen
153  Mary Smith
154 Nicolene Smith
155 Kyle Smith
156 Andre Soutzidellis
157  Dean Urquart
158 Mario Smith
159 Nilene Coetzee
160 Estelle Naudê
161 Stella de Kock
162 Adriaan de Kock
163 Charlene Venter
164 Pieter Venter
165 Luchell Venter
166 Leandré Venter
167 Anton Jansen van Vuuren
168 Judean Jansen van Vuuren
169 Verolieze Jansen van Vuuren
170 Quintis Jansen van Vuuren
171 Ivan Jansen van Vuuren
172   ;Anne Pool
173  Priscilla Collison
174  Keith Collison
175  Tarryn Collison
176  Tamara Collison
177  Anthea Williams
178  Dorian Williams
179  Gareth Williams
180  Ryan Williams
181  Jaden Williams
182  Sean Rhoda
183  Lana Rhoda
184 Nancy-Leigh Batchelor
185 Abigail Green
186 Michele Isaacs
187  Anthea Titus
188  Jonathan Isaacs
189  Chantale Campher
190  Andre Campher
191  Ruan Campher
192Wian Campher
193Tanja Clayton
194Austin Clayton
195Vernon Clayton
196Aiden Clayton
197Annemarie Gouws
198Anton Gouws
199Sané Gouws
200Remi Gouws
     201  Elize Odendaal
202 Leon Zwarts
203 Nicole Zwarts
204 Luan Zwarts
205. PAULA HOUGH
206. Cheryldene Daniels (SA)
207. Shanelle Mathou
208. Clifton Pillay
209.. Terisa Venketsamy
210. Elaine Naidoo
211. SAMANTHA CHINSAMY    
212. Reuben Chinsamy
213. Wayne Rajgopaul 
214.BRIAN MOODLEY
215.VILOSHNI MOODLEY
216.THIRUSHA MOODLEY
217.DELIICIA MOODLEY
218. ELIJAH ISAIAH MOODLEY
219. WENDY COOK
220 Manny Dos Ramos
221 Goretty Gomes
222 Susan de Lange
223 Stefan Kloppers
224 Ronél Cillié
225 Carel Cillié
226 hennie horne
227 Fanie  Roets
228 Mario van Staden
229 Luan de Koker
230 Andries Bronkhorst
 231megan pearson
232 kathy pearson
233 joe pearson
234. Michelle Olivier
235. Thea Du Plessis
236. Yolande Mienie
237. Anina Carstens
238.  Anzel Visagie
239.  CHRITO BRTIS                                                      
240.  CHRIS BOUWER
241. Morné Vosloo
242. Cefas Van den Berg
243. Zanie Theron
243. Evert theron
244. Sinteach Sevenster
245. Gertjie Bezuidenhout
246. Cassie Labuschagne (Snr)
247. Adele Labuschagne
248. Cassie Labuschagne (Jnr)
249. Angelique Labuschagne
250. Gerrie Labuschagne
251 Mikaela Moodley
252 Mike Moodley
253 Ursula Moodley
254 Silosh Rungasamy
255 Nicolas Rungasamy
256 Nicol Rungasamy
257 Rachel Rungasamy
258 Milo Moodley
259 Samy Rezkalla
260 Magdoleen Rezkall  

 259 Kaylash Marriemuthu
260.Lucinda Veeran
261 Samantha Veeran
262 Showen Veeran

263 leeanne moses
264 Jesmond Silas
265 Lee-anne Chetty
266 Jairus Silas
267 Carol Silas
268 Chanal Silas
269 Ronel Naidoo
270 Georgette Naidoo
271. Candice Rampersad
272 VALERIE SOLLY
273. SHAUN SINGH
274-JANINE JAMES
275.Natasha Chetty
276.Adéle Cowley 
277.Herman Cowley
278. Marius Cowley
278. Marcia Smithdorf 
279. Theresa Stanton
280. Wayne Stanton
281. Jason Stanton
282.  Suene Stanton
283.   yolande van der lind
284.  jc van der linde< BR>285.  natasja van der linde
286.  wiets
287.  braam le roux
288.  william mills
289.  mathys le roux
290.  samantha
291.    Shaney britoe  sa
292.      Craig britoe   sa
293.      Trevon britoe-   sa
294.      Neville newman-  sa
295 chanel adams – S.A
296Sharman Joseph – S.A
297 B PALMER
298 M PALMER
299 W O’SHEA
300  L O’SHEA
301  L MAKHADO
302 &nbs p;C MAKHODO
303  S JOSEPH
304 D Fisher
305 J Fisher
306 A Haskins
307 N Fisher
308 G Fisher
309 S Motau
310 M Motau
311 T Jaftha – Lets keep these people in our prayers they need Christ Jesus ( But I AM Standing firm for Christ ) Are you?
312 J Jaftha
313 E Jaftha
314 S Mohamed
315 Colleen JM Cutts (Lombaard) (this is evil and disgusting) please are sick!!!!
316Anita Biddulph (close this site a.s.a.p.)
317 Judy van Zyl
318 Nannette Hatting
319 Jan Hatting
320 Louisa Hatting
321 Gert Hatting
322 Estiaan Hatting
323 Tristan Lensvelt
324 Christine Hatting
325 Marie Meyer
326 Therisa Meyer
327 Desmond Lubisi
328 Ayanda Sibeko
329 Bheki Maphisa
330 Nastassja Cowan
331 NIROSHNI MOONSAMY
 332. MICHELLE THANDROYAN
333. Ruzelle Paulsen    
334 Melanie Cochrane
335 Howard Cochrane 
336 MICHELLE KADER                        

400 Sato Hadjian
337DEIDRE KADER
338 Brenda Reyneveldt
339 Chanel Reyneveldt
340 Gainor Oliphant
341 Eugene Oliphant
342 Sileesha Oliphant
343 Tynique Rhoda
344 Melissa Jacobs
345 Ronslee Jacobs
346 Roy Dowie
347 ELIE TAHAN
348 Joe Bou-Abdo
349 Nicole Bou Abdo
350 Robert Seif  ( LEBANON )
351 Maroun Tabet  ( LEBANON )
352 Joelle abou Sleiman ( LEBANON)
353 Joelle Sawma( Lebanon )
354 Anthony Sawma
355 Arlette Sawma
356 Jessica Sawma
357 Jean Sawma
358 Dounia Ibrahim
359 Christelle Boustany
360 Dany Boustany
361 Eva Ibrahim
362 Claudine Abou Chakra
363Michel Abou chakra
364Habib bou chakra
365 Joe Sawma
366 Mireille Gerges
367 Zeina Gerges
368 Rabih Gerges
369 David Gerges
370 Eliane Haddad ( Lebanon )
371 Josiane Haddad( Lebanon )
372 Fady youssef
373 Michel Abou Antoun
374 chantal
375 Nicole Bou Debs ( Lebanon )
376 Mireille
377 Marie-Christine Berbari ( Lebanon )
378 Habib Atallah ( Lebanon )
379 ANTOINE LABAKI
380 ABDO LABAKI
381 Joelle Faddoul
382 Christian Sawaya
383 joumana jouji
384 rima moussa
385 mike moussa
386 petra moussa
387 ghadi moussa
388 wissam bou ragel
389 nawal abboud
390 amoura abboud
391 georges joudi
392 sossy kouyoumjian
393 raffi moushlian
394 alin arakelian
395 siran seradarian
396 Salma Chamma
397 Grace Wehbeh
398 Fadi Akkari
399 Ehab Morcos
400 Mariam Helmy
401 David Botros (Egypt)
500 Ramy R.
501 Maged Michel
502 Sharl Michel
503 louly andraos
504 Dalia iskander
505 Nayer Nagui
506 Marcelle Sameh
507 Samer ASSAF
508 Christian Fayez
509 Dior ASSAF
510 Tia ASSAF
511 Nader ASSAF
512 Hoda ASSAF
513 Simon Fares
514 Marianne Fayez
515 Elianne Fares
516 Elie Fares
517 Philipe Nabil
518 Andre Nabil
519 Waguih Kassis
520  Amir Kassis
521 Riham Adel
522 Carla ASSAF
523 Perla ASSAF
    524 Michel Mikhail
525 Micheline el Rayes

526 Angele W Soutiry
527 Talaat Mishriky

528  Mervet Lawandi 
529 Nagui Artin Samour
530 Nabil Bissada
531 Marina Bissada
532 Matthias Bissada
533 George Azer 
534 Madeleine George
535 David George
536 Youssef Hanna
537 Nadia Farag
538 Michael Hanna
539 Nadine Girgis
540 Aida Mikhail
541 Emad Salib
542 Emma Salib
543 Jimmy Greiss
544 Soula Greiss
545 Rob Greiss
546 Ric Greiss

547. Nabil Rizk
548. Nancy Mesiha
549. Sherif Rizk
550. Mark Rizk
551. KAMAL DOUSS
552. GLADIS SHOUEIRY
553.jocelyne berberi

 554-Georges Khadige
555-Maria Sabbagh El Rami
557 – CHEIKH HABIB MRAD
558-Fady Bitar
559-gilbert husseini
560- tsolaire garabedian
561- Tanya Bechara
562- Tania Alawi
563- Jane Makhoul (Lebanon)
564- Jocelyne Abi Khalil
565- Laya Aoun
566- Joelle sayegh
577-Zeina Haurany
578 – Liliane Faour
579-Christiane Slim
580- Sara Barakat
590-jamy daccache
591-leora waked
592-Aurelie Gerbaka
593-Joelle bardawil
594- Stephanie Char
595- Tracy Bou Gebrayel
596- Eliane Fady Mouawad
597-Serge korkomaz

   598-samar seif
  599 – Ursula Seif
600-Lara Akiki
601 – Tony Akiki

– 602 HILDA YAACOUB
603 Sara Barakat
604Johaina Yaacoub
605 Nicolas Aouad
606 Pauline Mehanna
607 Joseph Mehanna
608 Claudine Mehanna
609 Albert Ters
610 Marc Hajj
611 Antoine Dib
612 P Marcel Akiki
613 H Daou
614 Ghislaine Naufal
615 Sr bacima El Khoury
616 Père Elie Georges Qanbar
617 Marie- Antoine tte Attiyeh
618 Elie Bou Malham
619 Rabih Mrad
620 Mitza Haddad
621 Rawad Lteif
622 Renee Ghazal
623 Rita Ghazal
624 Mirna Haddad
625 Nicolas Nassif
626 Elie antonios
627 Marie karam
628 Charbel Chehab
629 Charbel aaraj
630 Camil Mrad
631 Nadine Mrad
632 Walid Mrad
633 Marcel Mrad
634 Nabil Mrad
635 Rita Hanna
636 Aghareed Aboush
637 Levoun Issam OHAN
638 Wamith Yuhana
639 Simon Raad
640 Reem Zureikat
 641 Michleene Swaiss
642 Mira Beiruty  
 643 ANNE SCHEMBRI
644 Sephora Cassar
645 Rose Cassar
646 M’ Carmen Bonello – Malta
647 Tonio Bonello
647 Joseph Bonello
648 Emm. Bonello
649. Carlo Forte
650 Marlene Forte
651 Paul De Bono
652 Marlene Attard Bason
653 Joe Curmi
654 Doreen Curmi
655 Helen Curmi
 656 Doris Cassar
657 Rachel Ansari
658 Luiza D’Souza
659 Charles Bruno
660 Marina Charles
661 Nathan Charles
 662 Marivic Delos Santos
663 Joel Delos Santos
664 Marco Delos Santos
665 Rosita Manievo
666 Alex M. Alagenio
667 Isabelita Manuel Alagenio
668 Joeben Alexis Alagenio
669 Clara Marie Alagenio
670 Filomina Manuel
671 Mel Bringas
672 Rose Bringas
673 JR Bringas
674 Margie Garcia
676 Jimmy Garcia
677 PJ Garcia
678 JR Garcia
679 KC Garcia
680 Marlyn Coliat
681 Dulce Ilustre (Philippines) Facebook- Why do you encourage such discrimination and profanity? This group is not just criticizing religion. This is sacrilege!
 682 LVillacan
683 Petronilo Vecina Jr. (Philippines) – Let us take pity and pray for this guys, they do not know what they are doing.
685 Christopher Zandro Concepcion
686 Abegail Concepcion
687 Jenny Benedictos
688 Camille Benedictos
689 Elmer Benedictos
690 Ning Damasco
700 Froilan Cabanatuan
701 Mhar Tablizo
702 Len Tisdale 
703 Sarrie Peralta 
 704 Ted Bontia
705 Mac 
  706 Sr. Angie Lanic
707.  CECILE C. FACTURA ………………….. Calgary, AB Canada
708.  REY Q. FACTURA
709.  MICHELLE ANDRE FACTURA
710.  RAY ANTHONY FACTURA
711.  CHRISTIAN DOMINIC FACTURA
712.  JOHN BENEDICT FACTURA
713.  NANCY ABENDAN-DE GUZMAN
714   .  LARRY S. DE GUZMAN 
715    liberty abendan (Phils)
716.  Chona Villa-Real (Los Angeles, CA)

717. Willie Ng. Padida (Manila, Philippines)
718.s Sollie G. Padida
719. JOHNNY J. DE VILLA (Taguig City, Metro Manila, Philippines)
720. Dominador V. Gregorio Jr. (Pasig City Philippines)
 721. Magelende T. Gregorio (Pasig City, Philippines
722. Victor Hizon Novaliches, Quezon City, Philippines
723. Ellen Rose Hizon Novaliches, Quezon City, Philippines
724.  Monica Espina – Las Pinas City, Phils. 
725. Lourdes R. Bundoc – BFRVG, LPC, Philippines
726. Letty Gonzalez – Philippines
727. Issa Bernabe – Philippines

728. Tess Prado – Philippines
729 – Rachelle Tang – Philippines
730. Wilma Eriful- Philippines
731. MAmerto I. Dela Peña- Philippines
732. Ramona L. Lungsod – U.S.
733. Sr. Jovita Maniti, Philippines    
734  Sr. Susana uyco, Philippines
735  Ramir Alindogan, Philippines
736  Jennifer Apuyan, Philippines
737. Angelica Laura Bautista-Canlas

747. Antoniette Robles Bravo
748. Jo Ann Roxas Abellera
749. Raquel Bernardo
750. Ermie Marquez NZ
751. Pinky Duran

Look back and thank God.

Look forward and trust God.

Look around and serve God.

Look within and find God!”

God closes doors no man can open and
God opens doors no man can close. 
 
If you need God to open some doors for you…
send this to  people you like including me, and if you don’t need God to open some doors for you, just delete it.
 

FOCUS ON YOUR SOUL

God bless you as you pass on this message of hope to others. Bishop TD Jakes

My prayer for you today

(1) You will find favour with someone you don’t expect.  Amen
(2) You will be too relevant to be ignored,   Amen
(3) You will encounter GOD and will never remain the same, Amen
(4) The grace for completion will come on you, you shall be blessed till the blessed call you blessed, Amen
(5) The hand that will send this message to others shall not labour in vain, Amen
(6) The mouth saying ” Amen ” to this prayer shall laugh forever, Amen.

IF VILLAR CANNOT REFUTE THIS ARTICLE LINE BY LINE

THERE IS ONLY ONE LOGICAL CONCLUSION

Villar’s “Homelessness” Pie-In-The-Sky Milked the Government of Millions
5 MARCH 2010 3 COMMENTS
This is former HUDCC Secretary General Tony Hidalgo’s email sent in reply to a Yahoogroups network posting. See Hidalgo ‘s profile excerpt and URL below. – Billy Esposo

=========

To believe in Manny Villar’s “cause,” whatever that may be, is certainly your prerogative, brod. But it does not allow you to distort the facts – to say that black is white or that greed is good. Winnie Monsod’s writings on Villar’s anomalies on the Paranaque road projects are pretty clear. I don’t need to comment further on them. But I will answer as briefly as I can the downright false and sometimes outrageous claims you make concerning Villar’s “heroic” role in the
government’s low-cost housing program.

True, Villar built many thousands of low-cost houses over more than a decade under the Unified Home Lending Scheme (UHLP) of the socialized housing law (E.O. 90) that he and his CREBA minions drafted and got Cory
to sign in 1986, during her emergency government when she had legislative powers, by promising the pie in the sky of solving homelessness in the Philippines once and for all. But he did this to rake in billions in profits at the expense of the government, not out of a concern for the homeless poor.

Look at the results of Villar’s thousands of houses under the UHLP from 1986 to 1997 (when we reformed the UHLP to prevent Villar from bankrupting the country). Villar became a billionaire. NHMFC, the financial coordinator of the program, was bankrupted. The funders (SSS, GSIS, Pag-Ibig) were stuck with billions in bad home mortgages covering
Villar’s houses and flirted with bankruptcy for a while. Eventually, these bad mortgages had to be covered by the national government using its tax revenues (including your taxes and mine) because the funders were covered by a sovereign guarantee. Subsequently (beginning 2003 or 2004), the losses on the bad mortgages had to be written off by selling them through special purpose asset vehicles (SPAVS) at a fraction of their face value.

Meanwhile, look around you. Nearly half of the residents of Metro Manila still live in squatter areas!

I repeat: Villar became a billionaire while the funders and the national government suffered many billions in losses and the housing problem is still there, as intractable as ever. Consequently, I strongly disagree with your admiration of Villar’s record in low-cost housing. It was motivated by greed and, in the end, enriched only himself and his
cohorts at the expense of the government and, ultimately, the taxpayers.

These outcomes were inevitable because of how Villar and his buddies designed the UHLP. The roles of lenders, builders, and financing agencies were jumbled up on purpose to benefit only the developers.

Billions were taken annually from the SSS, GSIS, and Pag-Ibig and given to the NHMFC to disburse. The owners of the funds lost all control over how they were lent out. But this control was not given to the NHMFC, which just allocated mortgage quotas to developers (the Villar companies had the biggest quotas) from the annual funds of the lenders and
automatically released the face amount of mortgages to the lenders upon submission of the mortgage papers. No one checked the creditworthiness of the home buyers. The developers were “originators” of mortgages – meaning that they went around the malls with blank mortgage papers, waylaid passersby and enticed them to sign the papers, and then went to the NHMFC to cash in.

This diabolical system without any financial controls was designed by developers like Villar to rake in the profits. It resulted in default rates of more than 70% in the mortgages and nearly caused a Philippine economic crisis. It required the coordinated intervention of HUDCC, the Dept. of Finance, SSS, GSIS, Pag-Ibig, and HIGC to prevent a financial collapse. This was a very real danger then: we need only look at the recent US financial crisis to see how bad home mortgages can drive even the world’s largest economy to its knees.

Naging bilyonaryo si Villar sa low-cost housing at the expense of Filipino taxpayers. Kumita na siya, Tong. Huwag mo nang bigyan ng medalya.

Finally, you imply that I am inconsistent in my position on Villar’s role in this program because you say that HUDCC had “boasted” of its production of low-cost houses thanks to Villar’s “vision.”

This is not true. I was always critical of Villar’s profiteering in low-cost housing and never claimed credit for the houses his companies built. I was appointed HUDCC Secretary General by President Ramos in June, 1995. I spent a few months going through the documentation of the housing program and holding intensive discussions with the developers’ organizations, lenders, the Dept. of Finance, and the HUDCC financial agencies. Then I wrote a series of memos to President Ramos that explained the hopelessly flawed nature of the program, the extent of the financial problems it had created, and what needed to be done to prevent financial collapse. After getting the President’s instructions to proceed in 1996, I set up the inter-agency task force to reform the UHLP and we completed our work and stopped the profiteering of the developers in 1997.

Your brod,
Tony Hidalgo
__________________________ ____________________________________
Author Antonio A. Hidalgo was Secretary General of the Housing and Urban Development Coordinating Council (HUDCC) in the cabinet of former President Fidel V. Ramos during 1995-98, when he collaborated with the
NEDA and helped write the Philippine National Development Plan and was the main author of the Philippine position paper on human settlements for the U.N. HABITAT II global conference in Istanbul in 1996. (Source:
http://panitikan.com.ph/authors/h/ahidalgo.htm
Contrary to rumours that he was fired by then CSC Comm. Karina David, Hidalgo left his cabinet post upon Pres. Estrada’s election to the presidency.

Fort Bonifacio

11:30pm

Mr. Benigno S. Aquino III

P E R S O N A L

My dearest Son:

One of these days , when you have completed your studies I am sure you will have the opportunity to visit many countries. And in your travels you will witness a bullfight.

In Spanish bullfighting as you know, a man – the matador – is pitted against an angry bull.

The man goads the bull to extreme anger and madness. Then a moment comes when the bull, maddened, bleeding and covered with darts, feeling his last moment has come, stops rushing about and grimly turns his face on the man with the scarlet “muleta” and sword. The Spaniards call this “the moment of truth.” This is the climax of the bullfight.

This afternoon, I have arrived at my own moment of truth. After a lengthy conference with my lawyers, Senators Jovito R. Salonga and Lorenzo M. Tanada I made a very crucial and vital decision that will surely affect all our lives: mommie’s, your sisters’, yours and all our loved ones as well as mine.

I have decided not to participate in the proceedings of the Military Commission assigned to try the charges filed against me by the army prosecution staff. As you know, I’ve been charged with illegal possession of firearms, violation of RA 1700 otherwise known as the “Anti-Subversion Act” and murder.

You are still too young to grasp the full impact of my decision. Briefly: by not participating in the proceedings, I will not be represented by counsel, the prosecution will present its witnesses without any cross examinations, I will not put up any defense, I will remain passive and quiet through the entire trial and I will merely await the verdict. Inasmuch as it will be a completely one-sided affair, I suppose it is reasonable to expect the maximum penalty will be given to me. I expect to be sentenced to imprisonment the rest of my natural life, or possibly be sent to stand before a firing squad. By adopting the course of action I decided upon this afternoon, I have literally decided to walk into the very jaws of death.

You may ask: why did you do it?

Son, my decision is an act of conscience. It is an act of protest against the structures of injustice that have been imposed upon our hapless countrymen. Futile and puny, as it will surely appear to many, it is my last act of defiance against tyranny and dictatorship.

You are my only son. You carry my name and the name of my father. I have no material wealth to leave you. I never had time to make money while I was in the hire of our people.

For this I am very sorry. I had hopes of building a little nest egg for you. I bought a ranch in Masbate in the hope that after ten or fifteen years, the coconut trees I planted there would be yielding enough to assure you a modest but comfortable existence.

Unfortunately, I had to sell all our properties as I fought battle after political battle as a beleaguered member of the opposition. And after the last battle, I had more obligations than assets.

The only valuable asset I can bequeath to you now is the name you carry. I have tried my best during my years of public service to keep that name untarnished and respected, unmarked by sorry compromises for expediency. I now pass it on to you, as good, I pray, as when my father, your grandfather passed it on to me.

I prepared a statement which I intend to read before the military commission on Monday at the opening of my trial. I hope the commission members will be understanding and kind enough to allow me to read my statement into the record. This may well be my first and only participation in the entire proceedings.

In this statement, I said: Some people suggested that I beg for mercy from the present powers that be. Son, this I cannot do in conscience. I would rather die on my feet with honor, than live on bended knees in shame.

Your great grandfather, Gen. Servilliano Aquino was twice condemned to death by both the Spaniards and the American colonizers. Fortunately, he survived both by a twist of fate.

Your grandfather, my father was also imprisoned by the Americans because he loved his people more than the Americans who colonized us. He was finally vindicated. Our ancestors have shared the pains, the sorrows and the anguish of Mother Filipinas when she was in bondage.

It is a rare privilege for me to join the Motherland in the dark dungeon where she was led back by one of her own sons whom she lavished with love and glory.

I ended my statement thus: I have chosen to follow my conscience and accept the tyrant’s revenge.

It takes little effort to stop a tyrant. I have no doubt in the ultimate victory of right over wrong, of evil over good, in the awakening of the Filipino.

Forgive me for passing unto your young shoulders the great responsibility for our family. I trust you will love your mother and your sisters and lavish them with the care and protection I would have given them.

I was barely fifteen years old when my father died. His death was my most traumatic experience. I loved and hero-worshipped him so much, I wanted to join him in his grave when he passed away. But as in all sorrows, eventually they are washed away by the rains of time.

In the coming years, I hope you will study very hard so that you will have a solid foundation on which to build your future. I may no longer be around to give you my fatherly advice. I have asked many of your uncles to help you along should the need arise and I pray you will have the humility to drink from their fountain of experiences.

Look after your two younger sisters with understanding and affection. Viel and Krissy will need your umbrella of protection for a long time. Krissy is still very young and fate has been most unkind to both of us. Our parting came too soon. Please make up for me. Take care of her as I would have taken care of her with patience and warm affection.

Finally, stand by your mother as she stood beside me through the buffeting winds of crisis and uncertainties firm and resolute and uncowed. I pray to God, you inherit her indomitable spirit and her rare brand of silent courage.

I had hopes of introducing you to my friends, showing you the world and guide you through the maze of survival. I am afraid, you will now have to go it alone without your guide.

The only advice I can give you: Live with honor and follow your conscience.

There is no greater nation on earth than our Motherland. No greater people than our own. Serve them with all your heart, with all your might and with all your strength.

Son, the ball is now in your hands.

Lovingly,

Dad