MFA Financial, Inc. ( MFA ) Nowojorska Giełda Papierów Wartościowych

Cena: 9.41 ( -0.37% )

Aktualizacja 06-20 17:21
Nowojorska Giełda Papierów Wartościowych
Branża: REIT - Mortgage

Notowania:


Informacje o spółce:
Sektor: Nieruchomości
Branża: REIT - Mortgage
Zatrudnienie: 377
Giełda: Nowojorska Giełda Papierów Wartościowych
Ilość akcji w obrocie: 99%
Ilość akcji: 101 916 000
Debiut giełdowy: 1998-04-13
WWW: https://www.mfafinancial.com
CEO: Mr. Craig L. Knutson
Adres: One Vanderbilt Avenue
Siedziba: 10017 New York
ISIN: US55272X6076
Opis firmy:

MSZ Financial, Inc., wraz z spółkami zależnymi, działa jako fundusz inwestycyjny (REIT) w Stanach Zjednoczonych. Firma inwestuje w aktywa hipoteczne mieszkalne, w tym spłacone przez hipotekę papiery wartościowe (MBS), MBS agencji i papiery wartościowe transferu ryzyka kredytowego; Całe pożyczki mieszkaniowe, w tym zakupione pożyczki wykonane, zakupione kredyty i pożyczki niezgodne; oraz aktywa związane z prawami do obsługi kredytu hipotecznego. Firma zdecydowała się opodatkować jako REIT i nie podlegałaby federalnym podatkom dochodowym, jeżeli podzieli się co najmniej 90% dochodu podlegającego opodatkowaniu swoim akcjonariuszom. MSZ Financial, Inc. została zarejestrowana w 1997 roku i ma siedzibę w Nowym Jorku w Nowym Jorku.

Wskaźniki finansowe
Kapitalizacja (USD) 966 477 995
Aktywa: 11 159 846 000
Cena: 9.41
Wskaźnik Altman Z-Score: 0.1
Słaby (wysokie ryzyko bankructwa)
Dywidenda: 1
P/E: 9.5
Ilość akcji w obrocie: 99%
Średni wolumen: 1 515 593
Ilość akcji 102 653 000
Wskaźniki finansowe
Przychody TTM 896 935 000
Zobowiązania: 9 279 378 000
Przedział 52 tyg.: 7.85 - 13.45
Piotroski F-Score: 5
Umiarkowany (średnia jakość finansowa)
EPS: 1.0
P/E branży: 8.0
Beta: 2.204
Raport okresowy: 2025-08-06
WWW: https://www.mfafinancial.com
Zarząd
Imie i Nazwisko Stanowisko Wynagrodzenie Rok urodzenia
Mr. Michael C. Roper Senior Vice President & Chief Financial Officer 913 200 1988
Mr. Craig L. Knutson President, Chief Executive Officer & Director 2 640 525 1959
Mr. Gudmundur Kristjansson Senior Vice President & Co-Chief Investment Officer 1 643 229 1980
Mr. Bryan Wulfsohn CFA Senior Vice President & Co-Chief Investment Officer 1 643 229 1984
Mr. Harold E. Schwartz Senior Vice President, General Counsel & Secretary 1 088 200 1965
Mr. Bryan Doran Senior Vice President & Chief Accounting Officer 0 1981
Ms. Natasha Seemungal Senior Vice President & Co-Controller 0 1985
Ms. Mei Lin Senior Vice President & Co-Controller 0 1979
Mr. John W. Elliott Senior Vice President & Chief Technology Officer 0 0
Wiadomości dla MFA Financial, Inc.
Tytuł Treść Źródło Aktualizacja Link
MFA Financial, Inc. (MFA) Q1 2025 Earnings Call Transcript MFA Financial, Inc. (NYSE:MFA ) Q1 2025 Earnings Conference Call May 6, 2025 11:00 AM ET Company Participants Hal Schwartz - General Counsel Craig Knutson - CEO Bryan Wulfsohn - President & CIO Mike Roper - CFO Conference Call Participants Bose George - KBW Doug Harter - UBS Steve Delaney - Citizens JMP Securities Jason Stewart - Janney Montgomery Scott Eric Hagen - BTIG Operator Greetings, and welcome to the MFA Financial First Quarter 2025 Financial Results Conference Call. At this time, all participants are in a listen-only mode. seekingalpha.com 2025-05-06 18:51:51 Czytaj oryginał (ang.)
MFA Financial (MFA) Q1 Earnings and Revenues Miss Estimates MFA Financial (MFA) came out with quarterly earnings of $0.29 per share, missing the Zacks Consensus Estimate of $0.39 per share. This compares to earnings of $0.35 per share a year ago. zacks.com 2025-05-06 14:45:44 Czytaj oryginał (ang.)
MFA Financial, Inc. Announces First Quarter 2025 Financial Results NEW YORK--(BUSINESS WIRE)--MFA Financial, Inc. (NYSE:MFA) today provided its financial results for the first quarter ended March 31, 2025: MFA generated GAAP net income to common stockholders and participating securities for the first quarter of $33.0 million, or $0.32 per basic and $0.31 per diluted common share. Distributable earnings, a non-GAAP financial measure, were $30.6 million, or $0.29 per basic common share. MFA paid an increased regular cash dividend of $0.36 per common share on Apr. businesswire.com 2025-05-06 12:30:00 Czytaj oryginał (ang.)
All You Need to Know About MFA Financial (MFA) Rating Upgrade to Buy MFA Financial (MFA) has been upgraded to a Zacks Rank #2 (Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term. zacks.com 2025-04-23 17:00:37 Czytaj oryginał (ang.)
Focusing On Lower Risk Shares (And Updated Charts For High-Yield Stocks) Market volatility has increased, making it challenging to predict future Treasury rates and impacting the frequency of my article publications. Price-to-book ratios reveal bargains. Preferred shares offer lower risk and high yields; recent trades in DX-C and EFC-B have been profitable. seekingalpha.com 2025-04-21 23:31:58 Czytaj oryginał (ang.)
MFA Financial, Inc. Plans Live Audio Webcast of First Quarter 2025 Earnings Conference Call NEW YORK--(BUSINESS WIRE)--MFA Financial, Inc. (NYSE: MFA) plans to host a live audio webcast of its investor conference call on Tuesday, May 6, 2025, at 11:00 a.m. (Eastern Time) to discuss its first quarter 2025 financial results, which are scheduled to be announced earlier that day. The live audio webcast will be accessible to the general public over the internet at http://www.mfafinancial.com by clicking on the “News & Events” link on MFA's home page. Earnings presentation materials wil. businesswire.com 2025-04-16 20:30:00 Czytaj oryginał (ang.)
Let's Talk Mortgage REITs (But Not For Too Long) A bunch of mortgage REITs were severely overvalued. Now they are less overvalued. But some others are actually bargains. Tons of charts because images are fun. Ellington Financial's higher price-to-book ratio may be due to lower volatility in the total economic return by period. Digital Realty Trust deserves to be mocked. I am reporting for duty! seekingalpha.com 2025-03-26 20:38:40 Czytaj oryginał (ang.)
15% Yields Want To Mug Your Dividends Agency mortgage REITs are achieving exceptional price-to-book ratios. You want a high dividend yield? Great. But don't pay a huge premium in the share price. It's a great time for investors to capture some gains in this sector. seekingalpha.com 2025-03-19 18:05:00 Czytaj oryginał (ang.)
Mark Farrah Associates Analyzed the 2023 Medical Loss Ratio and Rebates Results MCMURRAY, Pa.--(BUSINESS WIRE)--MFA summarizes findings from the 2023 HHS report, with a focus on plan performance as it relates to the MLR and related rebates due to customers. businesswire.com 2025-03-06 13:09:00 Czytaj oryginał (ang.)
MFA Financial, Inc. Announces Dividend Increase to $0.36 per Share NEW YORK--(BUSINESS WIRE)--MFA Financial, Inc. (NYSE: MFA) announced today that its Board of Directors has declared a regular quarterly cash dividend of $0.36 per share of common stock, an increase from the prior quarter's dividend of $0.35 per share. The dividend will be paid on April 30, 2025, to common stockholders of record on March 31, 2025. “We are pleased to announce an increase in our common stock dividend,” said Craig L. Knutson, Chief Executive Officer of MFA. “The increase reflects o. businesswire.com 2025-03-06 10:30:00 Czytaj oryginał (ang.)
MFA Financial, Inc. Elects Christopher Small to Board of Directors NEW YORK--(BUSINESS WIRE)--MFA Financial, Inc. (NYSE: MFA) announced today that its Board of Directors has elected Christopher Small to its Board effective immediately. “We couldn't be more pleased to welcome Chris Small to the MFA Board,” said Laurie Goodman, MFA's Board Chair. “Chris's extensive experience in investment banking and capital markets working with residential mortgage finance and other specialty finance firms will provide significant benefits to MFA's Board, management team and s. businesswire.com 2025-03-04 10:30:00 Czytaj oryginał (ang.)
MFA Financial Q4: The Worst Is Possibly Over MFA Financial, Inc.'s Q4 2024 results showed a net loss, but distributable earnings covered the dividend. The dividend yield is currently 13.57% making MFA an attractive investment barring any significant threats. Leadership changes and loan acquisitions offer a positive outlook. seekingalpha.com 2025-02-20 20:06:44 Czytaj oryginał (ang.)
MFA Financial, Inc. (MFA) Q4 2024 Earnings Conference Call Transcript MFA Financial, Inc. (NYSE:MFA ) Q4 2024 Earnings Conference Call February 19, 2025 11:00 AM ET Company Participants Hal Schwartz - SVP, General Counsel & Secretary Craig Knutson - CEO Mike Roper - CFO Bryan Wulfsohn - President & Chief Investment Officer Conference Call Participants Bose George - KBW Corey Johnson - UBS Eric Hagen - BTIG Operator Greetings, and welcome to the MFA Financial Fourth Quarter 2024 Earnings Conference Call and Webcast. At this time, all participants are in a listen-only mode. seekingalpha.com 2025-02-19 14:25:41 Czytaj oryginał (ang.)
Compared to Estimates, MFA Financial (MFA) Q4 Earnings: A Look at Key Metrics While the top- and bottom-line numbers for MFA Financial (MFA) give a sense of how the business performed in the quarter ended December 2024, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values. zacks.com 2025-02-19 13:00:29 Czytaj oryginał (ang.)
MFA Financial (MFA) Matches Q4 Earnings Estimates MFA Financial (MFA) came out with quarterly earnings of $0.39 per share, in line with the Zacks Consensus Estimate. This compares to earnings of $0.49 per share a year ago. zacks.com 2025-02-19 12:45:35 Czytaj oryginał (ang.)
MFA Financial, Inc. Announces Fourth Quarter and Full Year 2024 Financial Results NEW YORK--(BUSINESS WIRE)--MFA Financial, Inc. (NYSE:MFA) today provided its financial results for the fourth quarter and full year ended December 31, 2024: Fourth Quarter 2024 Financial Results: MFA generated GAAP net income to common stockholders and participating securities for the fourth quarter of $(2.3) million, or $(0.02) per basic and diluted common share. Distributable earnings, a non-GAAP financial measure, were $40.8 million, or $0.39 per basic common share. MFA paid a regular cash d. businesswire.com 2025-02-19 10:30:00 Czytaj oryginał (ang.)
Insights Into MFA Financial (MFA) Q4: Wall Street Projections for Key Metrics Beyond analysts' top -and-bottom-line estimates for MFA Financial (MFA), evaluate projections for some of its key metrics to gain a better insight into how the business might have performed for the quarter ended December 2024. zacks.com 2025-02-17 12:20:21 Czytaj oryginał (ang.)
Private-Sector Health Insurance Benefits Data Presented by Mark Farrah Associates MCMURRAY, Penn.--(BUSINESS WIRE)--MFA's 5500 Employer Health Plus Simplifies the Analysis of Employer Health and Welfare Benefit Plans. businesswire.com 2025-02-11 16:20:00 Czytaj oryginał (ang.)
Third Quarter Profit Margin Trends of BCBS Plans Analyzed by Mark Farrah Associates CANONSBURG, Pa.--(BUSINESS WIRE)--MFA assessed year-to-date profit margins of BCBS plans, comparing year-over-year performance from 3Q20 to 3Q24. businesswire.com 2025-02-03 11:21:00 Czytaj oryginał (ang.)
Past Time To Take Gains On These Big Yielders Past Time To Take Gains On These Big Yielders seekingalpha.com 2025-01-23 20:48:10 Czytaj oryginał (ang.)
MFA Financial, Inc. Plans Live Audio Webcast of Fourth Quarter 2024 Earnings Conference Call NEW YORK--(BUSINESS WIRE)--MFA Financial, Inc. (NYSE: MFA) plans to host a live audio webcast of its investor conference call on Wednesday, February 19, 2025, at 11:00 a.m. (Eastern Time) to discuss its fourth quarter 2024 financial results, which are scheduled to be announced earlier that day. The live audio webcast will be accessible to the general public over the internet at http://www.mfafinancial.com by clicking on the “News & Events” link on MFA's home page. Earnings presentation mate. businesswire.com 2025-01-21 18:30:00 Czytaj oryginał (ang.)
Mark Farrah Associates Delves into Acquisition Impacts Utilizing New Tools CANONSBURG, Pa.--(BUSINESS WIRE)--MFA reviewed Elevance Health's acquisition of Indiana University Health Plans using Medicare Benefits Analyzer and County Health Coverage. businesswire.com 2025-01-21 13:17:00 Czytaj oryginał (ang.)
High Yield REITs Whacked By Higher Rates High Yield REITs Whacked By Higher Rates seekingalpha.com 2025-01-15 19:53:18 Czytaj oryginał (ang.)
Health Insurance Market Share at the County Level; Presented by Mark Farrah Associates CANONSBURG, Pa.--(BUSINESS WIRE)--MFA provides county-level market share and demographics data essential for the analysis of health insurance market position and competition. businesswire.com 2025-01-09 15:46:00 Czytaj oryginał (ang.)
3 mREIT Stocks Worth Investing Despite Rising Mortgage Rates Investors can purchase stocks like NREF, TWO and MFA, which have high dividend yields and strong growth prospects despite rising mortgage rates. zacks.com 2025-01-08 14:22:05 Czytaj oryginał (ang.)
4 Of 35 Safe-Buy Dividend Power Dogs In January Four low-priced Dividend Power stocks, Golden Ocean, Invesco Mortgage, ARMOUR Residential, and FutureFuel, offer safer dividends with free cash-flow yields exceeding dividend yields. The Dividend Power strategy focuses on high earnings yield and top dividend yield stocks, creating a resilient portfolio for both downturns and bull markets. Analysts project significant gains for top Dividend Power stocks, with an average net gain of 79.97% on $10k invested in the top ten. seekingalpha.com 2025-01-05 10:38:14 Czytaj oryginał (ang.)
Arcos Dorados: MFA Renewal, Argentinian Recovery To Drive Earnings (Rating Upgrade) Arcos Dorados renewed its franchise agreement with McDonald's, likely to reduce paid royalty fees slightly from 2025 forward. Earnings have remained turbulent due to economic uncertainty in Argentina and Venezuela, but the concerns should subside with better GDP growth expected in 2025. As the stock has continued to fall, I now estimate Arcos Dorados' stock to be valued attractively with 48% upside to a fair value of around $11.1. seekingalpha.com 2025-01-03 12:43:23 Czytaj oryginał (ang.)
MFA Financial (MFA) Loses -7.03% in 4 Weeks, Here's Why a Trend Reversal May be Around the Corner MFA Financial (MFA) has become technically an oversold stock now, which implies exhaustion of the heavy selling pressure on it. This, combined with strong agreement among Wall Street analysts in revising earnings estimates higher, indicates a potential trend reversal for the stock in the near term. zacks.com 2025-01-02 12:40:51 Czytaj oryginał (ang.)
MFA Financial: Upcoming Income Growth Opportunity In Floating Series C Shares MFA Financial's Series C preferred shares are recommended due to their attractive floating yields, set to start in April 2024. Despite higher interest expenses, MFA Financial's net interest income rose by $22 million year-to-date, driven by increased interest income. The company has diversified its holdings with $400 million in agency-backed securities, enhancing earnings without impairing asset yields. seekingalpha.com 2024-12-23 04:36:50 Czytaj oryginał (ang.)
MFA Financial, Inc. Mourns the Death of Board Member Frank Oelerich NEW YORK--(BUSINESS WIRE)--MFA Financial, Inc. (NYSE: MFA) Chief Executive Officer Craig Knutson today issued the following statement on the recent passing of MFA independent Board member Francis J. Oelerich III: “We are deeply saddened by the unexpected passing of our Board colleague, Frank Oelerich. Frank was a dear friend for over 40 years and a trusted colleague. He provided invaluable counsel to me, my fellow Board members and our management team during his five-plus years of service on th. businesswire.com 2024-12-13 11:15:00 Czytaj oryginał (ang.)
MFA Financial, Inc. Announces Dividend of $0.35 per Share NEW YORK--(BUSINESS WIRE)--MFA Financial, Inc. (NYSE: MFA) announced today that its Board of Directors has declared a regular quarterly cash dividend of $0.35 per share of common stock. The dividend will be paid on January 31, 2025, to common stockholders of record on December 31, 2024. MFA Financial, Inc. is a leading specialty finance company that invests in residential mortgage loans, residential mortgage-backed securities and other real estate assets. Through its wholly-owned subsidiary Lim. businesswire.com 2024-12-11 18:30:00 Czytaj oryginał (ang.)
MFA Financial President and Chief Investment Officer Bryan Wulfsohn to Participate in Southwest IDEAS Investors Conference NEW YORK--(BUSINESS WIRE)--MFA Financial, Inc. (NYSE: MFA) today announced that President and Chief Investment Officer Bryan Wulfsohn will participate in the Southwest IDEAS Investor Conference in Dallas, Texas, on Wednesday, November 20, 2024, beginning at 3:00 p.m. (EST). A live audio webcast of Mr. Wulfsohn's presentation will be made available to the general public over the internet through the conference host's main website at www.threepartadvisors.com/southwest. The link to the presentati. businesswire.com 2024-11-19 15:43:00 Czytaj oryginał (ang.)
MFA Financial, Inc. (MFA) Q3 2024 Earnings Call Transcript MFA Financial, Inc. (NYSE:MFA ) Q3 2024 Earnings Conference Call November 6, 2024 11:00 AM ET Company Participants Hal Schwartz - Senior Vice President-General Counsel & Secretary Craig Knutson - Chief Executive Officer Mike Roper - Chief Financial Officer Bryan Wulfsohn - President & Chief Investment Officer Conference Call Participants Doug Harter - UBS Eric Hagen - BTIG Bose George - KBW Operator And ladies and gentlemen, thank you for standing by. Welcome to the MFA Third Quarter 2024 Earnings Conference Call. seekingalpha.com 2024-11-06 14:08:34 Czytaj oryginał (ang.)
MFA Financial (MFA) Q3 Earnings and Revenues Lag Estimates MFA Financial (MFA) came out with quarterly earnings of $0.36 per share, missing the Zacks Consensus Estimate of $0.41 per share. This compares to earnings of $0.40 per share a year ago. zacks.com 2024-11-06 12:45:30 Czytaj oryginał (ang.)
MFA Financial, Inc. Announces Third Quarter 2024 Financial Results NEW YORK--(BUSINESS WIRE)--MFA Financial, Inc. (NYSE:MFA) today provided its financial results for the third quarter ended September 30, 2024: MFA generated GAAP net income for the third quarter of $40.0 million, or $0.38 per basic common share and $0.37 per diluted common share. Distributable earnings, a non-GAAP financial measure, were $38.6 million, or $0.37 per basic common share. MFA paid a regular cash dividend of $0.35 per common share on October 31, 2024. GAAP book value at September 30. businesswire.com 2024-11-06 10:30:00 Czytaj oryginał (ang.)
MFA Financial Gears Up to Report Q3 Earnings: What's in Store? MFA's third-quarter 2024 results are likely to reflect the benefits of loan demand. Declines in earnings assets are expected to have offset growth. zacks.com 2024-11-04 15:16:11 Czytaj oryginał (ang.)
3 Shares Yielding Over 9% We've got three shares where big yields are offset by one flaw or another. I recently closed out my position in one of these shares for a gain of more than 40%. Great choice about 17 months ago. Not as great today. I'll include an alternative from my portfolio that still offers an attractive yield for investors. seekingalpha.com 2024-10-17 22:13:09 Czytaj oryginał (ang.)
MFA Financial, Inc. Plans Live Audio Webcast of Third Quarter 2024 Earnings Conference Call NEW YORK--(BUSINESS WIRE)--MFA Financial, Inc. (NYSE: MFA) plans to host a live audio webcast of its investor conference call on Wednesday, November 6, 2024, at 11:00 a.m. (Eastern Time) to discuss its third quarter 2024 financial results, which are scheduled to be announced earlier that day. The live audio webcast will be accessible to the general public over the internet at http://www.mfafinancial.com by clicking on the “Webcasts & Presentations” link on MFA's home page. Earnings presenta. businesswire.com 2024-10-16 20:15:00 Czytaj oryginał (ang.)
MFA Financial: Gaining Strength After Rate Cuts As a long-term investor in MFA Financial, I strongly believe now is an ideal time to buy shares. MFA is well-positioned to increase profits and maintain or even increase its dividend. The next catalysts to price movement are earnings on November 5th, a Fed rate cut, and an ex-dividend date in December. seekingalpha.com 2024-10-14 09:01:40 Czytaj oryginał (ang.)
3 Affordable REITs to Buy with Dividends over 10% With these REIT stocks trading under $20 a share, they have annual dividend yields over 10% which may certainly peak investors' interest. zacks.com 2024-09-27 21:30:17 Czytaj oryginał (ang.)
The High Yield Desert I frequently discuss high-yield sectors like mortgage REITs, BDCs, and preferred shares, emphasizing the importance of knowing when not to buy. Preferred shares have rallied above targets, reducing buying opportunities, while common shares offer higher risks. Some offer upside, but others mostly offer downside. I'll kick off the weekend by highlighting one with a high valuation, as investors pay top dollar for earnings that are about to melt away. seekingalpha.com 2024-09-20 16:56:29 Czytaj oryginał (ang.)
MFA Financial, Inc. Announces Dividend of $0.35 per Share NEW YORK--(BUSINESS WIRE)--MFA Financial, Inc. (NYSE: MFA) announced today that its Board of Directors has declared a regular quarterly cash dividend of $0.35 per share of common stock. The dividend will be paid on October 31, 2024, to common stockholders of record on September 27, 2024. MFA Financial, Inc. is a leading specialty finance company that invests in residential mortgage loans, residential mortgage-backed securities and other real estate assets. Through its wholly-owned subsidiary Li. businesswire.com 2024-09-12 20:30:00 Czytaj oryginał (ang.)
MFA Financial (MFA) Upgraded to Strong Buy: What Does It Mean for the Stock? MFA Financial (MFA) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #1 (Strong Buy). zacks.com 2024-08-22 17:00:45 Czytaj oryginał (ang.)
MFA Financial, Inc. Names Bryan Wulfsohn President NEW YORK--(BUSINESS WIRE)--MFA Financial, Inc. (NYSE: MFA, the “Company”), today announced that Bryan Wulfsohn, MFA's Co-Chief Investment Officer, will assume the additional role of President of the Company effective September 3, 2024. Mr. Wulfsohn is a 14-year veteran of MFA with extensive experience managing the selection, oversight and funding of the Company's investment portfolio. He will assume the role of President from Craig L. Knutson, the Company's Chief Executive Officer, who will rem. businesswire.com 2024-08-21 12:30:00 Czytaj oryginał (ang.)
MFA Financial, Inc. Announces Third Quarter Dividends on Series B Preferred Stock and Series C Preferred Stock NEW YORK--(BUSINESS WIRE)--MFA Financial, Inc. (NYSE: MFA) (the “Company”) announced today that its Board of Directors has declared the payment of dividends on the Company's outstanding 7.50% Series B Cumulative Redeemable Preferred Stock (the “Series B Preferred Stock”) and 6.50% Series C Fixed-to-Floating Rate Cumulative Redeemable Preferred Stock (the “Series C Preferred Stock”). In accordance with the terms of the Series B Preferred Stock, the Board of Directors has declared a preferred sto. businesswire.com 2024-08-16 13:00:00 Czytaj oryginał (ang.)
MFA Financial (MFA) Q2 Earnings and Revenues Surpass Estimates MFA Financial (MFA) came out with quarterly earnings of $0.44 per share, beating the Zacks Consensus Estimate of $0.38 per share. This compares to earnings of $0.40 per share a year ago. zacks.com 2024-08-08 14:45:45 Czytaj oryginał (ang.)