Tuesday, November 13, 2012
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Welcome to Subdivision Trustees, a place where trustees and neighborhood associations can network, exchange information, share photos and more. Please feel to comment and share information.
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St. Louis Browns Magazine
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Subscribe to Pop Flies, the official magazine of the St. Louis Browns Fan Club
For any special event - birthday, holiday, anniversary or anytime . . . for that sports fan in your family or business that has "everything." Click on logo for the lastest Browns news and info.
A subscription & membership in the St. Louis Browns Fan Club brings them stories and memories of baseball the way it used to be.
Visit the Browns blog site at http://thestlbrowns.blogspot.com/. Visit the Browns museum at: http://stlbrownsmuseum.blogspot.com/. And get your Browns logo shirts and more at http://stlbrowns.qbstores.com.
Membership is $30 per year. Send check payable to St. Louis Browns Fan Club to Rick Stamper, 509 S. Geyer Rd., St. Louis, MO 63122. Your magazine will be on its way.
A subscription & membership in the St. Louis Browns Fan Club brings them stories and memories of baseball the way it used to be.
Visit the Browns blog site at http://thestlbrowns.blogspot.com/. Visit the Browns museum at: http://stlbrownsmuseum.blogspot.com/. And get your Browns logo shirts and more at http://stlbrowns.qbstores.com.
Membership is $30 per year. Send check payable to St. Louis Browns Fan Club to Rick Stamper, 509 S. Geyer Rd., St. Louis, MO 63122. Your magazine will be on its way.
Need Help? St. Louis County Offers Trustee Support
Need help from St. Louis County? Call 314-615-2520.
Information is available on the following and more.
> List of county subdivision trustees
> Frequently Asked Questions
> How to File a Lien
> Sample Letters
> How to Update Indentures
> Subdivision Trustee Guidebook
> And lots more . . .
at: http://www.stlouisco.com/plan/trusteeresourcecenter/
Information is avaialable from St. Louis County. Call: 314-615-2520
Information is available on the following and more.
> List of county subdivision trustees
> Frequently Asked Questions
> How to File a Lien
> Sample Letters
> How to Update Indentures
> Subdivision Trustee Guidebook
> And lots more . . .
at: http://www.stlouisco.com/plan/trusteeresourcecenter/
Information is avaialable from St. Louis County. Call: 314-615-2520
Need Information From Other Trustees? Trustee Networking Group Contacts
The Subdivision Trustee Networking Group was formed in the fall 2007 for the purpose of providing networking opportunities between subdivision trustees in the greater St. Louis area. The group holds periodic meetings to discuss issues of interest to trustees. For information, contact any of the following:
Bob Meyer (63128) 314-892-6646
bjmey2@sbcglobal.net
Bill Rogers (63129) 314-892-8632
subtrustees@swbell.net
Rich Tucker (63128) 314-487-4281
richtucker48@juno.com
Nancy Galovich (63129)
314-487-8551
galovich@swbell.net
Bob Meyer (63128) 314-892-6646
bjmey2@sbcglobal.net
Bill Rogers (63129) 314-892-8632
subtrustees@swbell.net
Rich Tucker (63128) 314-487-4281
richtucker48@juno.com
Nancy Galovich (63129)
314-487-8551
galovich@swbell.net
St. Louis County Trash Problems - Video
To view a video presentation of the St. Louis County trash problems, click here:
http://www.youtube.com/watch?v=mqk2k2Yk0i8
http://www.youtube.com/watch?v=mqk2k2Yk0i8
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Subdivision Profiles
Welcome to Subdivision Trustees where trustees can exchange information and seek advice from trustees with other subdivisions and neighborhood associations. This site is designed to serve the entire St. Louis Metro area. It is operated independently and is not a service of St. Louis County or the City of St. Louis. Your comments and input are welcome. Thanks for visiting.
Send In Your Subdivision News
This web site is only as good as you make it. Share your subdivision news and information with other trustees. Write an article or just comment on articles. Send your information to us at subtrustees@swbell.net .
Neighborhood & Subdivision Web Sites
- Brookdale Subdivision
- Carondelet Community Betterment Assoc.
- Chesterfield Farms & Estates
- Clayton City Reviews
- Downtown St. Louis Residents Association
- Kenrick Manor Subdivision
- Oakleigh Woods Subdivision
- Old Town Clayton
- Rolling Hills and Rustic Valley Subdivision
- Seven Oaks Subdivision
- Shendoah Subdivision
- The Highlands Subdivision (St. Peters, MO)
- Westglen Village & South Subdivision
- Wildhorse Subdivision
- Woodsmill Subdivision
Antonette Hills (63123)
We are located in the heart of Affton approximately 1/2 mile south on Dana Ave. which is just east of where Gravois and Weber Road intersect. Our subdivision was built in 1975-76. St. George Creek runs through our subdivision of 62 homes with 43 homes on the north side and 19 homes on the south side of the creek. Our annual assessment is $95 to include street lighting, common ground maintenance, financial accounting and insurance.
Brookdale Subdivision - 63146
Located in the heart of St. Louis County, Brookdale has 218 homes and is close to everything. We are situated near Page and I-270, as well as Lindbergh and Olive. Built in 1964, the price range on homes is $185,000 to $280,000. We have an annual subdivision assessment fee, currently at $75 a year per household for street lights, Common Ground Maint., newsletter, Ins., entrances and other subdivision expenses.
Cambridge Pointe Subdivision - 63129
Located off Heintz road in Oakville, we have 65 homes. Our annual assessment is $300 which covers lighting, common ground maintenance, insurance, and trash. We do not currently have a subdivision website.
Chalet Forest (63129)
Chalet Forest has 148 homes, built in 1977. Price range for most homes: $170,000 to $210,000. Located off Baumgartner Road Near Telegraph. Annual assessment is $75. Assessment covers lighting, common ground and insurance.
Chestnut Park (63129)
Started in 1966 and built through 1980. Include 351 homes. Price range for most is $170,000 to $250,000. Located between Milburn and Telegraph Road and bounded on south by Yaeger Road. Annual assessment is $35 for mainly lighting.
Clayshire Ridge (63105)
Number of Homes: 40
Subdivision built from 1949-1953. The price range for most homes: $275,000 - $825,000. We are located at the western edge of Clayton, MO.
We do not have an annual assessment as we are not a private subdivision any more as Clayton takes care of us.
Subdivision built from 1949-1953. The price range for most homes: $275,000 - $825,000. We are located at the western edge of Clayton, MO.
We do not have an annual assessment as we are not a private subdivision any more as Clayton takes care of us.
Concordia Village Subdivision (63128)
Number of Homes: 48.
Subdivision began in 1976. Price range for most homes is from $285,000 to 430,000. Located at Concord School Road & Roxanna. Annual assessment ? $100.00 per lot to cover Street lighting, common ground maintenance, bonding of trustees .
Subdivision began in 1976. Price range for most homes is from $285,000 to 430,000. Located at Concord School Road & Roxanna. Annual assessment ? $100.00 per lot to cover Street lighting, common ground maintenance, bonding of trustees .
Courtyards of Sunset Hills (63127)
No. of homes: 49
Subdivision built in: 1988 to 1999
Market Price range: $425K to $570K
General location: Lindbergh Blvd & Eddie & Park Road
Annual assessment: $1,800 to $2,100
Assessment covers: trash pick up, street lights, snow removal, lawn maintenance, lawn sprinkler system
Subdivision built in: 1988 to 1999
Market Price range: $425K to $570K
General location: Lindbergh Blvd & Eddie & Park Road
Annual assessment: $1,800 to $2,100
Assessment covers: trash pick up, street lights, snow removal, lawn maintenance, lawn sprinkler system
Cyrstal Creek Place (63125)
We are located at 3255 Union road, 1 mile north of Lindbergh and just south of Will road. We are directly across the street from the Grasso / St. Mark Athletic fields. Our 61 homes were build built from 1992 – 94. Annual assessment is $150. We have electric lighting, common ground, cul-de-sac and retention pond lawn and shrub maintenance as well as entrance monument maintenance. Home prices range $225,000 to $ 275,000.
Golden Gables (63129)
Built in 1963-64 in South County. Located near I-255 & Telegraph Rd. Have 87 homes. Annual assessment $50. Have common ground park area, entrance with lighting, brick and stone work & two circles with landscape maintenance. Home prices: $150,000 - $200,000.
Hagemann Crossing
Built in 1987 at Tesson Ferry at Hagemann Rds. Have 50 homes. Annual assessment is $135. Have common ground grass cutting, electric lighting, circle mulching and pruning, some tree trimming along Hagemann Rd. and entrance monument maintenance and replacement etc. Home price range $250,000 to $ 350,000.
Herman's Orchard (North County
Our subdivision is located in North County and was built in 2004-2005. Home values are $230,000 - $400,000.
Highland Estates Subdivision (63129)
Number of homes: 59
Started building around 1985
Value of homes today range from $265 to $330,000
Located in Oakville off Telegraph
Annual Assessment is $300. Includes twice a week trash pick-up, Cul-de-sac Maintenance, Common Ground Maintenance, Insurance and Subdivision Lighting
Started building around 1985
Value of homes today range from $265 to $330,000
Located in Oakville off Telegraph
Annual Assessment is $300. Includes twice a week trash pick-up, Cul-de-sac Maintenance, Common Ground Maintenance, Insurance and Subdivision Lighting
Karington Place
Built in 1994, we have 35 homes. Price range is from $325,000 to $650,000. Located at Ringer and Mehl in Oakville. Annual assessment is $300 to include trash pick-up, lighted entrance, common ground cutting and maintenance of cul-de-sacs, also addition street lighting.
Kerth Forest (63128)
Number of Homes: 16
Subdivision built from 1997 to 2000. The price range for most homes is $300,000 to $325,000. Located at Highway 55 & Meramec Bottom Rd. Annual assessment is $155.00 and covers lighting, common ground maintenance, insurance.
Subdivision built from 1997 to 2000. The price range for most homes is $300,000 to $325,000. Located at Highway 55 & Meramec Bottom Rd. Annual assessment is $155.00 and covers lighting, common ground maintenance, insurance.
The Meadows at Quail Creek (63128)
Number of Homes: 200
Subdivision built from) 1998 to approx 2002
Price range for most homes: $350,000 to $410,000 current estimated values
General Location: Southwest county
Annual assessment is $325 which is used for lighting, common ground maintenance, and maintance of two retention ponds. Does not include pool and trash pickup.
Subdivision built from) 1998 to approx 2002
Price range for most homes: $350,000 to $410,000 current estimated values
General Location: Southwest county
Annual assessment is $325 which is used for lighting, common ground maintenance, and maintance of two retention ponds. Does not include pool and trash pickup.
Oakleigh Woods
Our subdivision is located in Ballwin, Missouri, a municipality located approximately 15 miles West of the St. Louis City Limits. Oakleigh Woods stands out with its small town atmosphere of 104 homes.
Paddock Forest
Paddock Forest, located in North St. Louis County, near the intersection of Hwy. 367 and Parker Road, consists of 434 single family homes, 270 condominium units in three separate developments, 130 acres of wooded common ground with meadows and two lakes. Construction started in 1966. Paddock Forest was the first subdivision in St. Louis County to be built under the Planned Environment Unit Procedure. All single family homes have two car garages. Square footage ranges from 1,500-3,000. Annual assessment is currently $115.00 for single family homes and $28.75 for condominium units, which pays for mowing of 50+ acres common ground, tree removal and upkeep, entrance islands, 63 dusk to dawn street lights, insurance, newsletters, as well as other communications. Sale prices of homes range between $150,000-$220,000. The single family homeowners association is governed by a five member board of directors.
Parc Argonne Forest, Third Addition
Our subdivision was started in 1984 and has 147 homes. We are located in North County between New Halls Ferry and Old Halls Ferry. Price range on our homes is $157,000 to $200,000.
Queen Anne Village Subdivision
Queen Anne Village subdivision consists of 80 homes and 90 condominiums located in unincorporated west St. Louis county near the Jewish Community Center in Creve Coeur. Established in 1966, the community boasts a private 6 acre park with a serene stocked lake. The condominiums offer a swimming pool and clubhouse. Market values range between $250,000 and $300,000 for homes and $150,00 and $250,00 for condos. Separate boards govern the homeowners association and the condominium association. Current homeowners assessments are $90 per lot, which covers the cost of lighting, insurance and common area maintenance. Condominium fees are undisclosed.
Ridgemoore Place (63129)
Ridgemoor Place Homeowners Association, 15 Homes with Last home built in 1995, Price range $390,000 to $600,000, Location near Kerth & Butler Hill roads, Annual Assessment = $325 to pay for upkeep of common grounds-entrance signs, electric, lawn cutting, landscaping, insurance cost is $400.
River Walk at Bee Tree Park - 63129
We are located in the southern part of Unincorporated St. Louis County off of Becker Road and adjacent to the entrance to St. Louis County Bee Tree Park near the confluence of the Meramec and Mississippi rivers. There are fourteen acres of common ground which allows most homes to have woods behind each home. The subdivision, consisting of one and two story homes, was built between 1990 and 1995 and has 64 homes, ranging in price from $250,000 t0 $350,000, on one-third acre and larger lots. Our annual assessment has been maintained at $100 per year for the last twenty-two years and is used to pay the monthly electric bill for the Street Lights, Maintenance of two Cul-de-Sacs and one Retention Basin, Liability Insurance for the common ground, annual Registration with the State of Missouri, and periodic attorneys fees for indenture changes.
Shenandoah
The Shenandoah Subdivision consists of 495 residential homesites located in the City of Chesterfield, Mo. in the Shenandoah Valley School, K-5, which is part of the Parkway School system. Real estate values range between $200,000 and $300,000. Complimenting the homesites is over 50 acres of common ground which may be used for recreation or just left as green space or wooded area.
Silver Leaf's Subdivision (63128)
We have 36 homes, built in 1976/77/78. The price of homes ranges from $150,000 - $300,000. We are located off of Hwy 21 by St. Anthony's Hospital in zip code 63128. Our annual assessment $65 - street lighting.
Tealridge Improvement Association
Built in 1959 thru 1964 in the 10000 block of Gravois. We have 120 homes valued at approximately $190,000. Our annual assessment is $20 which covers lighting and upkeep of the entranceway.
Timber Hills (63128)
We have 42 Townhouse Condos and 144 Garden Apartment Condos. Built in 1988, the price ranges are $175,000 for townhouses and $100,000 for garden apartment condos. We are located in the southwest quadrant of I-55 and I-270. Our assessment is used for street cleaning, general maintenance, water, sewer and electric maintenance. The assessment is $2316 a year for the Townhouses and $1,500 for the Garden Apartments.
Towne South (63128)
Started in 1962 by FISHER & FRICHTEL Development CORP. The homeowners association was recorded with the St. Louis county recorder of deeds and Secretary of State in MAY 1962. Towne South consists of 715 Homes. We are bordered by Old Tession Ferry Rd. on the west, Mattis Rd. on the North, and Kerth Rd. on the East. There are approximately 35 acres of common ground spread through the subdivision, mostly along creek lines. There are 15 dusk-to-dawn lights and 3 entrances with lights. Annual assessment is $50 per year. The average home is now selling between$160,000 &$215,000
Village at Paddock Lake
Built in the 1990s, we have 73 units, all are duplex units, single level, except for one. Prices range from, $90,000 to $ 130,000 based on unit size - from 1000 - 16000 sq. ft. Located in north County, in general area West of Partridge run and north of Parker road. Annual condo fees range from $1450 to $2260, based on size. The fees include - street lighting, street repairs and maint., common ground, trash, sewer, water, interior security system, entry/exit gate operation with coded entry system, clubhouse, lawn/snow maint. landscaping, unit exterior maint. We are an adult community, under Federal Public law - The older persons act of 1995, wherein, a resident must be over 55, have no children living with him under the age of 18, and only 3 residents to a home.
Waycliffe Estates (63011)
Located in Ballwin with 130 homes. Most in the $200,000 range. Annual assessment is $10.
Woodsmill Subdivision, Ballwin, MO. 63011
Woodsmill Subdivision was built in the late 1960’s by Cassilly Realty Co. which was located in Webster Groves, MO.
The design called for 269 single family detached homes and roughly 27 acres of common ground. Construction on the majority of the homes was completed between 1967 and 1970. The last home, at 812 Dutch Mill, was completed in mid 1971.
The Woodsmill Clubhouse was the original structure on the roughly 116 acre farm. Prior to the subdivision construction, part of the clubhouse was used as a tack room (to store bridles and saddles) for the farms horses.
Originally Woodsmill Subdivision was in unincorporated St. Louis County but was annexed by the City of Ballwin in 1996.
Woodsmill Subdivision is located in West St. Louis County in the City of Ballwin, Missouri. We are conveniently located approximately 2.5 miles south of Highway 40 (I-64) on Highway 141 (Woods Mill Road).
Henry Avenue borders the west side of our community and allows easy access to Clayton Road to the north and Manchester Road to the south. Bordering our community to the south/west is the highly rated Parkway Elementary school (Henry Elementary).
The design called for 269 single family detached homes and roughly 27 acres of common ground. Construction on the majority of the homes was completed between 1967 and 1970. The last home, at 812 Dutch Mill, was completed in mid 1971.
The Woodsmill Clubhouse was the original structure on the roughly 116 acre farm. Prior to the subdivision construction, part of the clubhouse was used as a tack room (to store bridles and saddles) for the farms horses.
Originally Woodsmill Subdivision was in unincorporated St. Louis County but was annexed by the City of Ballwin in 1996.
Woodsmill Subdivision is located in West St. Louis County in the City of Ballwin, Missouri. We are conveniently located approximately 2.5 miles south of Highway 40 (I-64) on Highway 141 (Woods Mill Road).
Henry Avenue borders the west side of our community and allows easy access to Clayton Road to the north and Manchester Road to the south. Bordering our community to the south/west is the highly rated Parkway Elementary school (Henry Elementary).
Westglen Village & South Subdivision - Ballwin
Westglen Village and South Subdivision is located in the southwest corner of the city of Ballwin, in west St. Louis County. Our subdivision consists of 492 single family homes built in the mid 1970's, and an 80 unit apartment complex. We offer tree-lined streets, several areas of attractive common ground, and a subdivision swimming pool. Subdivision dues are $200.00 per single family home. The invoice amount is due in full by March 31st. This assessment is used for: the maintenance and management of the pool; the maintenance of common ground, monuments, walkways, and lights; and for the cost of phones, post office box, signs, and various other subdivision expenses.
Westminster Estates Subdivision 2 (63126)
Number of homes: 41
Built in 1953-19554.
County assessed valuation: $195,00 to $364,400 (the lowest and the highest right next door to each other)
General Location: Sappington and Gravois, subdivision entrance next to Ameren U. E. power substation6. 63126
$15 general assessment for lighting, entrance upkeep (shrubbery, landscaping, etc.), insurance, clerical, rental space for meetings, etc.
Special assessments provided for in indentures
Built in 1953-19554.
County assessed valuation: $195,00 to $364,400 (the lowest and the highest right next door to each other)
General Location: Sappington and Gravois, subdivision entrance next to Ameren U. E. power substation6. 63126
$15 general assessment for lighting, entrance upkeep (shrubbery, landscaping, etc.), insurance, clerical, rental space for meetings, etc.
Special assessments provided for in indentures
Whitmoor Subdivision
Whitmoor Subdivision is located in beautiful Weldon Spring Missouri, just off of Wolfrum Road. Consisting of approximately 600 homes, the subdivision exists in and around the grounds of the Whitmoor Country Club.
The website is overseen by the subdivision's Homeowners' Association. For more information, please visit their website at http://www.whitmoor.org
The website is overseen by the subdivision's Homeowners' Association. For more information, please visit their website at http://www.whitmoor.org
Woodleigh Estates (63129)
Started in 1971, includes 222 homes located at Telegraph Road and Whitshire Drive. Assessment amount is $100 which includes street lighting; insurance and common ground and cul de sac maintenance. Within walking distance of Cliff Cave Library and St. Francis of Assissi Church and School. New Mehlville Firehouse to be built next to entranceway of subdivision. Current price range is $175,000 to $230,000.
Woodsmill Subdivision, Ballwin, MO. 63011
Woodsmill Subdivision was built in the late 1960’s by Cassilly Realty Co. which was located in Webster Groves, MO.
The design called for 269 single family detached homes and roughly 27 acres of common ground. Construction on the majority of the homes was completed between 1967 and 1970.
The last home, at 812 Dutch Mill, was completed in mid 1971.
The Woodsmill Clubhouse was the original structure on the roughly 116 acre farm. Prior to the subdivision construction, part of the clubhouse was used as a tack room (to store bridles and saddles) for the farms horses.
Originally Woodsmill Subdivision was in unincorporated St. Louis County but was annexed by the City of Ballwin in 1996
Woodsmill Subdivision is located in West St. Louis County in the City of Ballwin, Missouri. We are conveniently located approximately 2.5 miles south of Highway 40 (I-64) on Highway 141 (Woods Mill Road).
Henry Avenue borders the west side of our community and allows easy access to Clayton Road to the north and Manchester Road to the south. Bordering our community to the south/west is the highly rated Parkway Elementary school (Henry Elementary).
The design called for 269 single family detached homes and roughly 27 acres of common ground. Construction on the majority of the homes was completed between 1967 and 1970.
The last home, at 812 Dutch Mill, was completed in mid 1971.
The Woodsmill Clubhouse was the original structure on the roughly 116 acre farm. Prior to the subdivision construction, part of the clubhouse was used as a tack room (to store bridles and saddles) for the farms horses.
Originally Woodsmill Subdivision was in unincorporated St. Louis County but was annexed by the City of Ballwin in 1996
Woodsmill Subdivision is located in West St. Louis County in the City of Ballwin, Missouri. We are conveniently located approximately 2.5 miles south of Highway 40 (I-64) on Highway 141 (Woods Mill Road).
Henry Avenue borders the west side of our community and allows easy access to Clayton Road to the north and Manchester Road to the south. Bordering our community to the south/west is the highly rated Parkway Elementary school (Henry Elementary).
Wynfield Estates (63129)
Number of Homes: 124
Subdivision built in: 1988-94
Price range: $250-425
General Location: Oakville
Annual assessment: $350 for lighting, common ground, trash pickup
Subdivision built in: 1988-94
Price range: $250-425
General Location: Oakville
Annual assessment: $350 for lighting, common ground, trash pickup
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Popular Web Sites
Quotes Worth Repeating
St. Louis County can impose and collect taxes on a transportation system, that about $3 of the general population uses. Yet, they impose and make mandatory a recycle system on 100% of the population, and they don't collect and pay for the service.
. . . Anonymous
~~~~~
"Thank You! -
Just let me say that I absolutely love your website. It is the most informative I have seen. I have recommended your website to everyone I know that lives in St. Louis County and I encourage them to go to it every single day, not just once but a number of times as some new information is always popping up.
I really just wonder why the news stations haven't said anything about all of this - especially Elliott Davis!?!
I think we all know why there hasn't been much in the Post Dispatch!!!!!!!!!!
Again, Thank You.
Sincerely,
Sherry
~~~~~
“St. Louis County is trying to accomplish a noble goal through a lousy process,” she said. The plan, Englund said, is “creating division and mistrust.”
. . . Vicki Englund
~~~~~
"The county would have us believe that we are anti-recycling by being against the districting plan, and that is simply not the case. Many of us in this room are not anti-recycling, we are for it and many of us already do recycle. However, many of us in this room are against forced recycling. It takes away our choice of trash haulers, that's the difference."
. . . Celeste Witzel
~~~~~
"This clumsy, monopoly trash-district plan is not the will of the people. It hasn't arose from the people saying 'This is what we want.' It is a political power play to create monopoly franchises for favorite insiders."
. . . Rep. Jim Lembke (R) Lemay
. . . Anonymous
~~~~~
"Thank You! -
Just let me say that I absolutely love your website. It is the most informative I have seen. I have recommended your website to everyone I know that lives in St. Louis County and I encourage them to go to it every single day, not just once but a number of times as some new information is always popping up.
I really just wonder why the news stations haven't said anything about all of this - especially Elliott Davis!?!
I think we all know why there hasn't been much in the Post Dispatch!!!!!!!!!!
Again, Thank You.
Sincerely,
Sherry
~~~~~
“St. Louis County is trying to accomplish a noble goal through a lousy process,” she said. The plan, Englund said, is “creating division and mistrust.”
. . . Vicki Englund
~~~~~
"The county would have us believe that we are anti-recycling by being against the districting plan, and that is simply not the case. Many of us in this room are not anti-recycling, we are for it and many of us already do recycle. However, many of us in this room are against forced recycling. It takes away our choice of trash haulers, that's the difference."
. . . Celeste Witzel
~~~~~
"This clumsy, monopoly trash-district plan is not the will of the people. It hasn't arose from the people saying 'This is what we want.' It is a political power play to create monopoly franchises for favorite insiders."
. . . Rep. Jim Lembke (R) Lemay
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