98.	Assume that a property has $130,000 gross effective income and operating expenses of $30,000. There is a 30-year loan commitment on the property with level payments of $68,000 payable annually. How much is the equity cash flow on this property?
		A: $130,000
		B: $98,000
		C: $100,000
		D: $32,000

99.	Legal and physical problems should be noted in the site inspection. Which of the following is most likely to constitute a physical problem?
		A: A non-conforming use
		B: An encroachment
		C: Soil instability
		D: A violation of a deed restriction