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   Brew Review // Morning Brew // Update
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             April 27, 2025
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                 Carmen Martínez
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              EDITOR’S NOTE
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                 <strong>
                  Good morning.
                 </strong>
                 Like burritos, homebuying has a season, and it’s in full swing. Since a house is the biggest purchase most people will make in their lives—and certainly the only one that will force you to watch YouTube videos about DIY boiler repair—we’re breaking down what you need to know to navigate today’s housing market. And whether you’re still foregoing avocado toast to save up for a down payment or spending your weekends visiting potential new abodes, you can stay up to date on the ins and outs of real estate investing by subscribing to The Playbook newsletter
                 <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                  here
                 </a>
                 .
                </p>
                <p style="margin:13px 0;line-height:22px;display:block">
                 <em>
                  —Sam Klebanov, Molly Liebergall, Dave Lozo, Matty Merritt, Abby Rubenstein
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              ECONOMY
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                 Is it a good time to buy a home?
                </a>
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                  Ajax9/Getty Images
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                 There will always be open house visitors looking for the free cookies, but there are also real aspiring homeowners wondering if now is a good time to put down an offer. The short answer is: No, but
                 <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                  it’s getting better
                 </a>
                 .
                </p>
                <p style="margin:13px 0;line-height:22px;display:block">
                 Home prices aren’t soaring like they were in 2021 and 2022. The median home sale price was $431,048 last month, up just 2.5% from a year ago, according to Redfin. But that doesn’t mean that buying a home has become more affordable: Elevated interest rates have raised home loan rates, causing mortgage payments to balloon:
                </p>
                <ul style="line-height:22px">
                 <li>
                  <span>
                   The average rate for a 30-year mortgage as of April 24 was 6.81%, compared to 2.98% in 2021, according to Freddie Mac.
                  </span>
                 </li>
                 <li>
                  <span>
                   The median monthly mortgage payment was $2,207 last year, vs. $1,525 in 2021, per Bankrate.
                  </span>
                 </li>
                </ul>
                <p style="margin:13px 0;line-height:22px;display:block">
                 High mortgage rates have pushed some would-be buyers out of the market, but it has also meant that fewer homeowners are willing to sell, since most people selling their main residence have to take out a mortgage for their next dwelling. This has led to outstandingly low numbers of Americans trading cash for keys.
                </p>
                <h2 style="letter-spacing:0;text-align:left;margin-top:0;font-family:Georgia;font-size:18px;font-style:normal;font-weight:700;line-height:34px">
                 But things are looking up for buyers
                </h2>
                <p style="margin:13px 0;line-height:22px;display:block">
                 This spring, the balance has tipped in buyers’ favor as many home sellers decided to stop waiting for interest rates to come down:
                </p>
                <ul style="line-height:22px">
                 <li>
                  <span>
                   The number of homes for sale increased almost 20% last month from a year ago, according to the National Association of Realtors.
                  </span>
                 </li>
                 <li>
                  <span>
                   Real estate agents are saying that buyers have more wiggle room to negotiate better deals, with 44% of home purchases in the first three months of the year involving some concession from the seller, per Redfin.
                  </span>
                 </li>
                </ul>
                <p style="margin:13px 0;line-height:22px;display:block">
                 Meanwhile, recent tariff turmoil and subsequent economic haziness likely mean that even fewer Americans will jump into purchasing the priciest asset they’ll ever own, further lowering competition among buyers. But high interest rates have led to fewer new housing units getting built compared to 2021 and 2022, so analysts don’t anticipate a significant increase in the number of homes on the market anytime soon.
                </p>
                <p style="margin:13px 0;line-height:22px;display:block">
                 <strong>
                  Looking ahead…
                 </strong>
                 it’s unclear if mortgages will get any cheaper in the near future, as the Federal Reserve is taking a wait-and-see approach before deciding whether to lower interest rates.
                 <em>
                  —SK
                 </em>
                </p>
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              Presented By Samsung
             </h3>
             <h1 class="sponsored-header__title" style="letter-spacing:0;text-align:left;margin-top:0;margin-bottom:revert;font-family:Georgia;font-size:24px;font-style:normal;font-weight:700;line-height:34px">
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                Life in your new home just got smarter and simpler
               </strong>
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             <p style="margin:13px 0;line-height:22px;display:block">
              When searching for a new home, you probably have a vision of how you want it to look and feel long before finding the right place. From paint to appliances, there are countless decisions to make about what should fill your new home.
             </p>
             <p style="margin:13px 0;line-height:22px;display:block">
              The washers and dryers you grew up with just won’t cut it. You’ve already integrated smart technology into your everyday—now Samsung’s line of
              <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none">
               Bespoke AI appliances
              </a>
              can make home life even simpler.
             </p>
             <p style="margin:13px 0;line-height:22px;display:block">
              Say goodbye to transferring loads. Samsung’s
              <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none">
               Bespoke AI Laundry Vented Combo™
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              <strong>
              </strong>
              lets you
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              </strong>
              wash
              <em>
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              dry laundry in one uninterrupted 68-minute cycle,
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               1
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              and it’s the first of its class.
              <sup>
               2
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             </p>
             <p style="margin:13px 0;line-height:22px;display:block">
              Buying a new home may be filled with guesswork, but your laundry routine doesn’t have to be.
             </p>
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              FEES
             </p>
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                 Realtor fees were meant to fall. They haven’t (yet)
                </a>
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              </a>
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               <span class="source" style="margin-top:5px;margin-bottom:0;padding-left:0;line-height:16px;display:inline-block">
                <small>
                 <em>
                  Thomas Barwick/Getty Images
                 </em>
                </small>
               </span>
              </p>
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                <p style="margin:13px 0;line-height:22px;display:block">
                 More than a year after a historic legal settlement promised to deliver seismic shifts to commission structures, homebuyers and sellers are still waiting to see changes that impact their wallets.
                </p>
                <p style="margin:13px 0;line-height:22px;display:block">
                 <strong>
                  ICYMI:
                 </strong>
                 A group of sellers accused the National Association of Realtors (NAR) of inflating home costs by letting buyer-side and seller-side agents discuss commission rates on the Multiple Listing Services (MLS) home database, which only agents can see. A jury
                 <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                  agreed
                 </a>
                 , so the NAR settled the lawsuit for $418 million in damages and barred agents from sharing commission rates on MLS databases—a huge change that was expected to extinguish the notoriously high 5% to 6% realtor fee in the US (global averages are 1% to 3%).
                </p>
                <p style="margin:13px 0;line-height:22px;display:block">
                 <strong>
                  As a result…
                 </strong>
                 the US real estate industry
                 <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                  braced
                 </a>
                 for as much as a 30% drop in the estimated $100 billion Americans pay annually in commission fees. But the new rules have been a dud firecracker since taking effect in August:
                </p>
                <ul style="line-height:22px">
                 <li>
                  <span>
                   “It only took a matter of weeks really, for most agents to find a loophole,” one realtor
                  </span>
                  <span>
                   <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                    told
                   </a>
                  </span>
                  <span>
                   the New York Times, saying, “It’s almost a joke.” With commission discussions only banned from taking place on the NAR’s listing site, agents simply moved those conversations to phone, text, and email.
                  </span>
                 </li>
                 <li>
                  <span>
                   Average commissions for buyers’ agents “barely budged” from Q3 to Q4, and ticked down less than 0.1% from a year earlier (e.g., $415 on a $415,000 home), per Redfin.
                  </span>
                 </li>
                 <li>
                  <span>
                   Agents are pressuring sellers to continue offering 5% to 6% commission. Fifteen buyers and sellers told the NYT that they were boxed out when they tried to negotiate lower rates or go agentless.
                  </span>
                 </li>
                </ul>
                <p style="margin:13px 0;line-height:22px;display:block">
                 <strong>
                  There’s still hope:
                 </strong>
                 Housing experts predicted that commission declines would happen slowly, and progress may be getting held up by tight inventory. Buyers without agents have
                 <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                  struggled to compete
                 </a>
                 in high-demand areas, especially since listing agents tend to prefer working with represented buyers.
                 <em>
                  —ML
                 </em>
                </p>
               </td>
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              CLIMATE
             </p>
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               <h1 class="story-title" style="letter-spacing:0;text-align:left;color:#353535;margin-top:0;margin-bottom:revert;font-family:Georgia;font-size:24px;font-style:normal;font-weight:700;line-height:34px">
                <a style="color:#353535;border-bottom:none;text-decoration:none" target="_blank">
                 Why the wealthy aren’t concerned about disasters
                </a>
               </h1>
              </div>
             </table>
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              <a style="border:none;text-decoration:none" target="_blank">
               <img alt="A home completely destroyed, the house behind it is untouched in Pacific Palisades" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252Fee6460f6fa0e9ba8705bc9471e4cb8eda9ed6231-4000x2667.jpg%253Fw%253D620%2526q%253D70%2526auto%253Dformat/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3NDU3NDk1OTQuMzc0MzMyMn0:1u8zDW:9BiUO0f_YX0eyJGGKoHgjRGQ-QRYMVQVk5cU9r8TkOU" style="width:100%;max-width:670px;display:block" width="670"/>
              </a>
              <p style="margin:0;padding:0;line-height:22px;display:block">
               <span class="source" style="margin-top:5px;margin-bottom:0;padding-left:0;line-height:16px;display:inline-block">
                <small>
                 <em>
                  David Crane/MediaNews Group/Los Angeles Daily News via Getty Images
                 </em>
                </small>
               </span>
              </p>
             </div>
             <table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt" width="100%">
              <tr>
               <td class="content-container" style="border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt;padding:0">
                <p style="margin:13px 0;line-height:22px;display:block">
                 Money can buy lots of great things—happiness, sports teams, the McRib—and it can apparently also get you
                 <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                  peace of mind
                 </a>
                 when it comes to owning property in environmental danger zones.
                </p>
                <p style="margin:13px 0;line-height:22px;display:block">
                 Extreme heat, rising sea levels, and unpredictable weather are causing extensive property damage in the US, but wealthy Americans remain undeterred in snapping up houses in at-risk areas. The reasons why may not be complicated: Oceanfronts, mountains, deserts, and other places particularly affected by climate change have always been popular destinations for the rich—and the risks do not outweigh the status these locales confer.
                </p>
                <p style="margin:13px 0;line-height:22px;display:block">
                 And any damage to the homes of the ultrawealthy likely doesn’t hit them as hard as it would someone with fewer assets:
                </p>
                <ul style="line-height:22px">
                 <li>
                  <span>
                   The Wall Street Journal reported that Oracle co-founder Larry Ellison lost a home in the Los Angeles wildfires that Zillow had valued at $21.5 million.
                  </span>
                 </li>
                 <li>
                  <span>
                   While that’s a painful experience for anyone, it’s about 0.01% of his $216 billion net worth, equivalent to having $500 and losing a nickel in your couch cushions.
                  </span>
                 </li>
                </ul>
                <p style="margin:13px 0;line-height:22px;display:block">
                 <strong>
                  As for the merely wealthy,
                 </strong>
                 they don’t have
                 <em>
                  that
                 </em>
                 luxury, but they do have others. They can build homes that are more likely to survive thanks to pricey options that include fireproof materials, private firefighting outfits, and homes on stilts that others can’t afford.
                </p>
                <p style="margin:13px 0;line-height:22px;display:block">
                 <strong>
                  This is a problem for everyone:
                 </strong>
                 Realtor.com
                 <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                  reported
                 </a>
                 that 44.8% of homes with a combined value of $22 trillion are located in an area at risk for at least one potential climate catastrophe, making it difficult to avoid completely.
                 <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                  Less vulnerable
                 </a>
                 properties are rising in cost—the total value of US homes in low-risk areas was up between 6% and 7% year over year in 2024.
                 <em>
                  —DL
                 </em>
                </p>
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              Together With Samsung
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              <strong>
               The future of entertainment is in your kitchen.
              </strong>
              Your laundry room isn’t the only space that deserves attention. Complement your new kitchen with a
              <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none">
               smart appliance upgrade
              </a>
              . Samsung’s
              <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none">
               Bespoke 4-Door French
               <strong>
               </strong>
               Door Refrigerator with AI Family Hub™+
              </a>
              transforms kitchens into the perfect space for entertaining. Stream videos, make culinary-inspired playlists, and access personalized recipes right on your fridge.
              <sup>
               3
              </sup>
              Make your kitchen the true heart of the home.
             </p>
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              BUDGET
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                 How to get a free (or at least kind of free) house
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               <img alt="Property for one euro in Salemi, a commune in Sicily, Italy" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252F4a9dad5be8067387a6d8523a190262845aaea604-1170x675.webp%253Fw%253D620%2526q%253D70%2526auto%253Dformat/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3NDU3NDk1OTQuMzc1MjA0M30:1u8zDW:SsdyGxTUyHjrXXUkKSKy0ByJdrGb1zbZ29cOHSnJ03o" style="width:100%;max-width:670px;display:block" width="670"/>
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               <span class="source" style="margin-top:5px;margin-bottom:0;padding-left:0;line-height:16px;display:inline-block">
                <small>
                 <em>
                  Renovita
                 </em>
                </small>
               </span>
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                <p style="margin:13px 0;line-height:22px;display:block">
                 In some parts of the world, it’s actually never been more affordable to pack up your things, blast Rusted Root’s “Send Me On My Way,” and find somewhere new to start over. Pawnee City, NE, a town of just under 900 people,
                 <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                  announced
                 </a>
                 an initiative last month that will offer $50,000 toward down payment assistance for people who are willing to relocate to the small town and buy a house.
                </p>
                <p style="margin:13px 0;line-height:22px;display:block">
                 The program, called Vision 2030, aims to attract new residents to revitalize the town, particularly the downtown business district, which recently lost its only bar. As of March 27, the program had 115 applicants.
                </p>
                <p style="margin:13px 0;line-height:22px;display:block">
                 Cities around the US have offered perks to woo remote workers, but this aggressive housing incentive is reminiscent of international programs hoping to attract US expats:
                </p>
                <ul style="line-height:22px">
                 <li>
                  <span>
                   An Italian village on the island of Sardinia
                  </span>
                  <span>
                   <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                    created
                   </a>
                  </span>
                  <span>
                   a website last year of one-euro houses to “meet US post-elections relocation needs,” according to the village’s Mayor Francesco Columbu. Other small rural Italian towns have offered one-euro houses to lure foreigners since 2018.
                  </span>
                 </li>
                 <li>
                  <span>
                   Countries like
                  </span>
                  <span>
                   <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                    Ireland
                   </a>
                  </span>
                  <span>
                   and
                  </span>
                  <span>
                   <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                    Japan
                   </a>
                  </span>
                  <span>
                   have offered similar programs aimed at revitalizing rural areas in the countryside.
                  </span>
                 </li>
                </ul>
                <p style="margin:13px 0;line-height:22px;display:block">
                 <strong>
                  There’s a catch.
                 </strong>
                 The homes that pop up in clickbaity “move to paradise for FREE” articles usually need a lot of work. In the case of some one-euro rural Italian homes, they are even partially or fully collapsed, and the Irish and Japanese options require the new residents to put tens of thousands of dollars into the slow process of rehabbing traditional architecture.
                 <em>
                  —MM
                 </em>
                </p>
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              BREW'S BEST
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                  <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Fem-content.zobj.net%252Fthumbs%252F120%252Fapple%252F237%252Fwhite-heavy-check-mark_2705.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiIsInRpbWUiOjE3NDU3NDk1OTQuMzc1ODM5fQ:1u8zDW:T3NXPVxE-QvkvMpvR0lfxxyjsxh_dxdg12ROS2nSkMQ" style="max-width:18px" width="18"/>
                  <strong>
                   Catch rays:
                  </strong>
                  Check which nearby cafés and bars currently have
                  <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                   sunny outdoor seating
                  </a>
                  .
                 </p>
                 <p style="margin:13px 0;line-height:22px;display:block">
                  <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Fem-content.zobj.net%252Fthumbs%252F120%252Fapple%252F237%252Fwhite-heavy-check-mark_2705.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiIsInRpbWUiOjE3NDU3NDk1OTQuMzc1OTgzNX0:1u8zDW:O910SsbJ6Wy_rEVZx2imCtiO8h23rv7_e8woAVAO_cM" style="max-width:18px" width="18"/>
                  <strong>
                   Plan:
                  </strong>
                  Use
                  <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                   3D modeling software
                  </a>
                  to visualize your room decor.
                 </p>
                 <p style="margin:13px 0;line-height:22px;display:block">
                  <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Fem-content.zobj.net%252Fthumbs%252F120%252Fapple%252F237%252Fwhite-heavy-check-mark_2705.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiIsInRpbWUiOjE3NDU3NDk1OTQuMzc2MTQ1NH0:1u8zDW:kcjC67kiQ3R5M5TV9GQIEtL9D6FkLIh3dykhDc8arVA" style="max-width:18px" width="18"/>
                  <strong>
                   Homeowning 101:
                  </strong>
                  A Reddit-approved
                  <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                   checklist
                  </a>
                  for new homeowners.
                 </p>
                 <p style="margin:13px 0;line-height:22px;display:block">
                  <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Fem-content.zobj.net%252Fthumbs%252F120%252Fapple%252F237%252Fwhite-heavy-check-mark_2705.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiIsInRpbWUiOjE3NDU3NDk1OTQuMzc2MzM0NH0:1u8zDW:dOYhFm3nJIHVbDLtELRU_wveAZsBYte991Kg9mqmk_A" style="max-width:18px" width="18"/>
                  <strong>
                   Nest:
                  </strong>
                  Livestreams of owls, storks, and other birds
                  <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                   cozying up
                  </a>
                  in the Netherlands.
                 </p>
                 <p style="margin:13px 0;line-height:22px;display:block">
                  <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Fem-content.zobj.net%252Fthumbs%252F120%252Fapple%252F237%252Fwhite-heavy-check-mark_2705.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiIsInRpbWUiOjE3NDU3NDk1OTQuMzc2NDk1MX0:1u8zDW:hsrZmjWVg5KbHHDPNNhoGsKz9so2xXK3LC5Ow82Mxh0" style="max-width:18px" width="18"/>
                  <strong>
                   Gaze:
                  </strong>
                  See the view from
                  <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                   other people’s windows
                  </a>
                  and add your own POV.
                 </p>
                 <p style="margin:13px 0;line-height:22px;display:block">
                  <strong>
                   <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Fem-content.zobj.net%252Fthumbs%252F120%252Fapple%252F237%252Fwhite-heavy-check-mark_2705.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiIsInRpbWUiOjE3NDU3NDk1OTQuMzc2NjU4NH0:1u8zDW:4dqSWPXC422MjMwQuW-D7WEoj6k1kAh-6mgNp_7M8Ds" style="max-width:18px" width="18"/>
                   Stop switching loads:
                  </strong>
                  Give yourself a break from the laundry cycle by purchasing Samsung’s new
                  <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                   Bespoke AI Laundry Vented Combo™
                  </a>
                  . It washes and dries your clothes in one uninterrupted 68-minute cycle.
                  <sup>
                   1
                  </sup>
                  *
                 </p>
                 <placementslot data-id="d12d1431d80f">
                 </placementslot>
                 <placementslot data-id="ac4993c0871d">
                 </placementslot>
                 <p style="margin:13px 0;line-height:22px;display:block">
                  <sup>
                   <em>
                    *A message from our sponsor.
                   </em>
                  </sup>
                 </p>
                </div>
               </td>
              </tr>
             </table>
            </td>
           </tr>
          </table>
         </td>
        </tr>
       </table>
       <!--[if !mso ]><! -- -->
      </div>
      <!-- <![endif]-->
      <!-- END STORY ARTICLE -->
      <!-- STORY ARTICLE -->
      <!--[if !mso ]><! -- -->
      <div class="c6" style="margin-bottom:7px">
       <!-- <![endif]-->
       <table border="0" cellpadding="0" cellspacing="0" class="story-container" style="border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt" width="100%">
        <tr>
         <td class="card" style="border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt;border:none">
          <table border="0" cellpadding="0" cellspacing="0" class="tag" style="border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt;color:#353535;table-layout:auto;border:none;width:100%;margin:10px 0;font-family:Arial,sans-serif;font-size:13px;line-height:22px" width="100%">
           <tr>
            <td style="border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt" width="33%">
             <div style="text-align:center;background:#1c7ff2 linear-gradient(90deg,#ffe62e 25%,#0f9046);width:100%;margin:20px 0;font-size:4px;line-height:4px">
             </div>
            </td>
            <td style="border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt;background:#fff;border:2px solid #353535;margin:0;padding:10px">
             <p style="word-break:keep-all;word-wrap:normal;text-align:center;text-transform:uppercase;color:#353535;margin:0;padding:0;font-family:Georgia,Times New Roman,Times,serif;font-size:16px;font-weight:700;line-height:18px;display:block">
              GAMES
             </p>
            </td>
            <td style="border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt" width="33%">
             <div style="text-align:center;background:#1c7ff2 linear-gradient(90deg,#2b9295,#1c7ff2);width:100%;margin:20px 0;font-size:4px;line-height:4px">
             </div>
            </td>
           </tr>
          </table>
          <table border="0" cellpadding="0" cellspacing="0" class="story-content-container" style="border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt" width="100%">
           <tr>
            <td class="card-content" style="border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt;color:#353535;padding:25px 25px 15px;font-family:Arial,Helvetica,sans-serif;line-height:16px">
             <table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt" width="100%">
              <div class="title-container" style="padding:0">
               <h1 class="story-title" style="letter-spacing:0;text-align:left;color:#353535;margin-top:0;margin-bottom:revert;font-family:Georgia;font-size:24px;font-style:normal;font-weight:700;line-height:34px">
                <a style="color:#353535;border-bottom:none;text-decoration:none" target="_blank">
                 Which listing?
                </a>
               </h1>
              </div>
             </table>
             <table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt" width="100%">
              <tr>
               <td class="content-container" style="border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt;padding:0">
                <p style="margin:13px 0;line-height:22px;display:block">
                 These two properties offer very different kinds of island living. We’ll give you a few facts about each one, and you guess which one is more expensive.
                </p>
                <img alt="a collage of two island homes" class="img-responsive" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252F1d1b03088ffad881f1119d74e586d0848b303f10-1634x729.png%253Fw%253D620%2526q%253D70%2526auto%253Dformat/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3NDU3NDk1OTQuMzc2ODI3NX0:1u8zDW:02ik0sd4CocLFwSt2pwqpSk3ePOptLzMC2UiLhZq5P0" style="-ms-interpolation-mode:bicubic;border:0;outline:none;height:auto;line-height:100%;text-decoration:none;display:block;width:100%!important"/>
                <span class="source" style="margin-top:5px;margin-bottom:0;padding-left:0;line-height:16px;display:inline-block">
                 <small>
                  <em>
                   Zillow, Sotheby’s International Realty
                  </em>
                 </small>
                </span>
                <p style="margin:13px 0;line-height:22px;display:block">
                 The first listing (left) is a massive 8,543-square-foot log cabin situated on the approximately 800-acre Kupaianaha Ranch in Hakalau, HI. You could own a cattle ranch
                 <em>
                  and
                 </em>
                 a majestic waterfall on the Big Island.
                </p>
                <p style="margin:13px 0;line-height:22px;display:block">
                 The second listing (right) is Hay Island, a former summer getaway of a baking soda heiress, located off the coast of Darien, CT. A main house, a cottage, and a pool house all sit on over 18 acres of unobstructed views of Long Island Sound.
                </p>
                <p style="margin:13px 0;line-height:22px;display:block">
                 So, which property costs more? The Connecticut hideaway or the sprawling Hawaiian home?
                </p>
               </td>
              </tr>
             </table>
            </td>
           </tr>
          </table>
         </td>
        </tr>
       </table>
       <!--[if !mso ]><! -- -->
      </div>
      <!-- <![endif]-->
      <!-- END STORY ARTICLE -->
      <!-- STORY ARTICLE -->
      <!--[if !mso ]><! -- -->
      <div class="c6 core_hidden" style="margin-bottom:7px">
       <!-- <![endif]-->
       <table border="0" cellpadding="0" cellspacing="0" class="story-container" style="border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt" width="100%">
        <tr>
         <td class="card" style="border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt;border:none">
          <table border="0" cellpadding="0" cellspacing="0" class="tag" style="border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt;color:#353535;table-layout:auto;border:none;width:100%;margin:10px 0;font-family:Arial,sans-serif;font-size:13px;line-height:22px" width="100%">
           <tr>
            <td style="border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt" width="33%">
             <div style="text-align:center;background:#1c7ff2 linear-gradient(90deg,#ffe62e 25%,#0f9046);width:100%;margin:20px 0;font-size:4px;line-height:4px">
             </div>
            </td>
            <td style="border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt;background:#fff;border:2px solid #353535;margin:0;padding:10px">
             <p style="word-break:keep-all;word-wrap:normal;text-align:center;text-transform:uppercase;color:#353535;margin:0;padding:0;font-family:Georgia,Times New Roman,Times,serif;font-size:16px;font-weight:700;line-height:18px;display:block">
              SHARE THE BREW
             </p>
            </td>
            <td style="border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt" width="33%">
             <div style="text-align:center;background:#1c7ff2 linear-gradient(90deg,#2b9295,#1c7ff2);width:100%;margin:20px 0;font-size:4px;line-height:4px">
             </div>
            </td>
           </tr>
          </table>
          <table border="0" cellpadding="0" cellspacing="0" class="story-content-container" style="border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt" width="100%">
           <tr>
            <td class="card-content" style="border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt;color:#353535;padding:25px 25px 15px;font-family:Arial,Helvetica,sans-serif;line-height:16px">
             <table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt" width="100%">
              <tr>
               <td class="content-container" style="border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt;padding:0">
                <p style="margin:13px 0 15px;line-height:22px;display:block">
                 <a class="link" style="color:#252525;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                  Share Morning Brew
                 </a>
                 with your friends, acquire free Brew swag, and then acquire more friends as a result of your fresh Brew swag.
                </p>
                <p style="margin:13px 0 15px;line-height:22px;display:block">
                 We’re saying we’ll give you free stuff and more friends if you share a link. One link.
                </p>
                <a>
                 <p style="margin:13px 0 15px;line-height:22px;display:block">
                  <img class="img-responsive" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252Fe8c0d668fd2ce584105a14629f9409b29ddffc91-3840x2160.png%253Fw%253D640%2526q%253D60/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3NDU3NDk1OTQuMzc2OTk1Nn0:1u8zDW:4EKhrScdsWC39X9TGXKsSKiTvVbfOGXr2F5tW7TgZgc" style="-ms-interpolation-mode:bicubic;border:0;outline:none;width:100%;max-width:640px;height:auto;line-height:100%;text-decoration:none;display:block;width:100%!important" width="640"/>
                 </p>
                </a>
                <p style="margin:13px 0 15px;line-height:22px;display:block">
                 <b>
                  Your referral count:
                 </b>
                 0
                </p>
                <a class="stb-btn" style="color:#fff;text-align:center;background-color:#1c7ff2;border-radius:4px;width:100%;max-width:150px;padding:15px;font-family:Helvetica,Arial,sans-serif;font-size:16px;font-weight:900;text-decoration:none;display:block;margin-top:inherit!important;margin-bottom:inherit!important;margin-right:inherit!important;margin-left:inherit!important">
                 Click to Share
                </a>
                <p style="margin:15px 0;line-height:22px;display:block">
                 Or copy &amp; paste your referral link to others:
                 <br/>
                 <a class="link" style="color:#252525;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                  morningbrew.com/daily/r/?kid=979c4554
                 </a>
                </p>
               </td>
              </tr>
             </table>
            </td>
           </tr>
          </table>
         </td>
        </tr>
       </table>
       <!--[if !mso ]><! -- -->
      </div>
      <!-- <![endif]-->
      <!-- END STORY ARTICLE -->
      <!-- STORY ARTICLE -->
      <!--[if !mso ]><! -- -->
      <div class="c6" style="margin-bottom:7px">
       <!-- <![endif]-->
       <table border="0" cellpadding="0" cellspacing="0" class="story-container" style="border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt" width="100%">
        <tr>
         <td class="card" style="border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt;border:none">
          <table border="0" cellpadding="0" cellspacing="0" class="tag" style="border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt;color:#353535;table-layout:auto;border:none;width:100%;margin:10px 0;font-family:Arial,sans-serif;font-size:13px;line-height:22px" width="100%">
           <tr>
            <td style="border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt" width="33%">
             <div style="text-align:center;background:#1c7ff2 linear-gradient(90deg,#ffe62e 25%,#0f9046);width:100%;margin:20px 0;font-size:4px;line-height:4px">
             </div>
            </td>
            <td style="border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt;background:#fff;border:2px solid #353535;margin:0;padding:10px">
             <p style="word-break:keep-all;word-wrap:normal;text-align:center;text-transform:uppercase;color:#353535;margin:0;padding:0;font-family:Georgia,Times New Roman,Times,serif;font-size:16px;font-weight:700;line-height:18px;display:block">
              ANSWER
             </p>
            </td>
            <td style="border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt" width="33%">
             <div style="text-align:center;background:#1c7ff2 linear-gradient(90deg,#2b9295,#1c7ff2);width:100%;margin:20px 0;font-size:4px;line-height:4px">
             </div>
            </td>
           </tr>
          </table>
          <table border="0" cellpadding="0" cellspacing="0" class="story-content-container" style="border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt" width="100%">
           <tr>
            <td class="card-content" style="border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt;color:#353535;padding:25px 25px 15px;font-family:Arial,Helvetica,sans-serif;line-height:16px">
             <table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt" width="100%">
              <tr>
               <td class="content-container" style="border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt;padding:0">
                <p style="margin:13px 0;line-height:22px;display:block">
                 Hay Island.
                 <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                  Kupaianaha Ranch
                 </a>
                 is listed for $22 million, while
                 <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                  Hay Island
                 </a>
                 is listed for $35 million.
                </p>
               </td>
              </tr>
             </table>
            </td>
           </tr>
          </table>
         </td>
        </tr>
       </table>
       <!--[if !mso ]><! -- -->
      </div>
      <!-- <![endif]-->
      <!-- END STORY ARTICLE -->
      <table style="border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt">
       <tr>
        <td align="left" style="border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt;word-break:break-word;padding:10px 0;font-size:0">
         <table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt;color:#353535;table-layout:fixed;border:none;width:100%;font-family:Arial,sans-serif;font-size:13px;line-height:22px" width="100%">
          <tr>
           <td style="border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt" width="100%">
            <div style="text-align:center;background:#1c7ff2 linear-gradient(90deg,#ffe62e 8.98%,#0d9b4d 36.34%,#1c7ff2 100%);width:100%;margin:20px 0;font-size:4px;line-height:4px">
            </div>
           </td>
          </tr>
         </table>
        </td>
       </tr>
       <tr>
        <td class="column" style="border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt;word-break:break-word;font-size:0;padding:0 25px!important">
         <div style="text-align:left;color:#353535;font-family:Arial,Helvetica,sans-serif;font-size:10px;line-height:16px">
          <p style="margin:0 0 15px;font-size:10px;line-height:10px;display:block">
           <strong>
            ✢ A Note From Samsung
           </strong>
          </p>
          <p style="margin:13px 0;line-height:22px;display:block">
           <sup>
            1
           </sup>
           Based on 27” combos. Based on using a Super Speed cycle only with an 10 lb. DOE load (cotton 50% + polyester 50%). Individual results may vary based on actual load content.
          </p>
          <p style="margin:13px 0;line-height:22px;display:block">
          </p>
          <p style="margin:13px 0;line-height:22px;display:block">
           <sup>
            2
           </sup>
           Among 27” combo washer/dryers.
          </p>
          <p style="margin:13px 0;line-height:22px;display:block">
          </p>
          <p style="margin:13px 0;line-height:22px;display:block">
           <sup>
            3
           </sup>
           Wi-Fi connection and Samsung account required.
          </p>
         </div>
        </td>
       </tr>
      </table>
      <!-- FOOTER -->
      <table style="border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt;width:100%">
       <tr>
        <td align="center" style="border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt">
         <img src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252Fe012a8f486d19c1bc695362e74fcb75c5fcdf5da-550x450.png%253Fw%253D200%2526fit%253Dmax/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3NDU3NDk1OTQuMzc3MjM2NH0:1u8zDW:I4_42AqO8QisbnS43a6V2v_TSazmV0ep3rEGhhAeMCc" style="-ms-interpolation-mode:bicubic;border:0;outline:none;height:auto;margin-top:40px;line-height:100%;text-decoration:none" width="100"/>
         <table bgcolor="#1C7FF2" border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse" width="100%">
          <tr>
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