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Business Over Tapas (December 12th – 2014)

By Lenox Napier and Andrew Brociner

viernes 12 de diciembre de 2014, 02:26h

A digest of this week's Spanish financial, political and social news aimed primarily at Foreign Property Owners: with Lenox Napier and Andrew Brociner - For subscriptions and other information about this site, go to businessovertapas.com - email: [email protected] -

***Now with Facebook Page (Like!)*** - Note: Underlined words or phrases are links to the Internet. Right click and press 'Control' on your keyboard to access.

Editorial:

Stories of a possible eventual coalition between the two main parties, the PP and the PSOE, morphing into some kind of government of national unity, have been received in certain circles as another example of the corrupt form of doing politics which is so prevalent in Spain. A 'PPSOE' at the service of the moneyed classes. Maria Dolores de Cospedal, the General Secretary of the PP, has suggested such a move, presumably as a last-ditch defence against the threat of Podemos, although many supporters of the PSOE have come out strongly against such a strategy. The two parties may perhaps prefer to do their deals behind closed doors? Ordinary voters will be concerned by these shenanigans, as most people in a bi-partisan election these days like to vote against a party rather than for one, and an eventual coalition rather belies the point of the whole thing...

Housing:

'The proportion of Spanish property sales involving a foreign buyer has hit a new high of 13.1% market share, reveal the latest figures from the Property Registrars (registradores.org). The number of Spanish properties bought by foreign buyers, and inscribed in the property register, increased by an annualised 19% to 10,430 in the third quarter. Year to date, foreign buyers snapped up 30,708 properties, up 23% on the same period last year. Over the same period locals bought 210,339 homes in Spain, down 1% on the same period last year, but up 5% in Q2, and 9% in Q3...'. Found at Marl Stüklin's Spanish Property Insight.

'Real estate and construction will be the ‘engines of economic growth’ in Spain for 2015, according to a new study. The report, released by independent financial advisers Arcano, goes on to insist that this growth could well be above the 2% predicted by the government.

A resurgence in the residential building sector is further predicted, as well as in the price of housing, due to an improvement in financing, the granting of mortgages, the return of foreign investors and a recovery in domestic demand...'. From The Olive Press.

'There's nothing quite like the thought of having your very own holiday home. You'd have the chance to jet off as soon as the moment takes you, and better yet, you'd have all your creature comforts – it'll be a home away from home, with the minimum amount of pre-planning. It seems that this is a growing desire for a lot of Brits, particularly in Spain, with Spanish property purchases rising at their fastest rate for three years. Isn't it time you got in on the action?'. From Moneyfacts in what appears to be a subsidised article.

Mark Stüklin also has an article with his view of What Does Hard-Left Party ‘Podemos’ Have To Say About Housing? Here's a quote: 'it is unlikely that anyone in the party has the first idea of running a property business in Spain, or being a private landlord for that matter...'. (Certainly, the party will have scant interest in the affairs/problems of the foreigners who live here).

News to cheer the powerful hotel lobby, found at The Olive Press: 'At the start of 2015, the Junta de Andalucía aims to pass new legislation to regulate the short-term rental market, raising standards for tourists and requiring owners to register apartments and declare earnings. Since 2012, changes to regional laws regarding residential tenancies have given rise to a legal vacuum in the holiday-home rentals market in Andalucía, leaving owners wondering about the legality of their situation and holidaymakers at risk of letting sub-standard accommodation with no straightforward right of recourse...'.

Expansión brings the cheapest and most expensive Spanish towns and cities (figured in units of average annual wages) to buy property, here. The article further claims that house prices must fall another 20%!

'With just 324 residency-for-investment visas (the so-called golden visa) issued in a year, critics are wondering whether the visa is priced too high. When the Spanish government announced its golden visa programme in the summer of 2013, many agents were disappointed that it was set at €500,000, rather than the €160,000 that had been proposed. With only six visas being issued on average each week since the launch, and only 72 since May, at a total investment of €256million, the critics seem to have a point...'. From OPP Connect.

Typically Spanish reports that the Junta has extended another six months its study into building permissions within the Coastal Law. 'The PP Mayors along the Andalucía coastline are angry at the extension which they consider damages the development of their municipalities and turns away investors because of the judicial insecurity it brings. The six month period gives the Junta more time to go through the 3,547 allegations presented against the Coastal Plan which was approved by the Junta de Andalucía in November 2012 and which is pendent for a final draft...'. La Voz de Almería says the delay just in that province affects eleven municipalities and the construction of some 15,000 homes.

'What stands out most about Barcelona’s skyline today is something that is largely absent: cranes. There are still some over Antoni Gaudí’s Sagrada Família basilica, but otherwise Spain’s second city is almost bereft of major construction projects. The dearth of cranes is no surprise. Battered by the pop of the country’s real estate bubble, Spanish property prices have plunged more than 40 per cent from their 2007 peak, according to property website Fotocasa, and 1.5m construction jobs disappeared, according to Spain’s INE statistics bureau...'. From The Financial Times, adding that, despite a drop in construction, perhaps partly to do with the drive for independence, high-end properties in the region are nevertheless being readily bought by foreigners.

An article presented at Urbanismo Patas Arriba suggests that the rising number of empty homes in Spain may be much higher than is commonly suggested, and, including part-built homes, could be as much as five million.

Demolitions:

The New York Times focuses on the Andalucian demolition issue: '...Driving through the Andalucian countryside, Maura Hillen pointed past groves of olive trees to small clusters of white houses on a distant hillside. “Those homes are all illegal and could be demolished,” said Ms. Hillen, who moved here from Britain 10 years ago with her husband, John. More than 5,000 homes in this rustic valley are illegal, part of the more than 250,000 homes built in Andalusia without proper planning permission during the Spanish construction boom of 2001 to 2008. Thousands were sold, some to locals and many to international buyers, including the Hillens, who wanted to retire amid the region’s picturesque landscape of palms trees and farmhouses of crumbling stone...'.

The Spanish press becomes aware of Andalucía's terrible reputation in Britain. Inversión & Finanzas quotes the opinion of the AUAN following the demolitions in Cantoria. The Express for example. The Daily Mail here. AOL here. The Telegraph here. The New York Times here.

The British in the Almanzora are scared, says an article in El Mundo from mid November, noting that there are 13,000 'illegal homes' in the impoverished area in the interior of Almería. (Of course, without political representation, here, in the UK or in Europe, there's not much to be done).

The Council of Bar Associations of Andalusia requests a meeting with the Spanish Minister of Justice, Rafael Catala, to appeal for changes to the Criminal Code to guarantee prior compensation to purchasers in good faith. The initiative was agreed in response to a request from AUAN and SOHA. More here.

'Following the latest demolition in Cantoria in mid-November, 'The Secretary-General of the PSOE in Almería, José Luis Sánchez Teruel, has said that his party will promote a proposition of a bill to urge the Government of a policy change that would prevent the demolition of illegal housing until the proven buyers of good faith are fully compensated...'. Since it's his own party, in coalition with the Izquierda Unida, which is following this disastrous policy, one can only hold one's breath in anxious anticipation of nothing whatsoever happening. Story at Ideal. Following news that the Prosecutor is asking for fresh demolitions of foreign owned homes in the area (another five in Oria to follow the 98 in Albox, 41 in Zurgena and 13 in Partaloa currently under sentence), The President of the Mancomunidad de Municipios del Valle del Almanzora (the local community of towns), wondered in a speech if the Junta de Andalucía 'is showing an unusual interest in demolishing homes'. From El Almería. The promise of Oria demolitions also featured here.

From Te Interesa comes 'The Abusos Urbanísticos Almanzora-NO (AUAN) Association, which brings together British owners of illegal homes in Almería, warned Tuesday that homes built in an area called Media Legua, in Cantoria, earmarked for demolition without compensation "are inhabited" and it has criticized that the all-British owners "not have not been informed" of the criminal procedure against them'.

Seventeen more homes ordered demolished by judge (here) (and not even a rather worthless order of compensation for the owners!). A note from the AUAN says: 'The News agency Europa Press has revealed that a court in Almeria, Andalusia, Spain has ordered the demolition of 17 houses in Media Legua in the town of Cantoria. In the court judgement, to which Europa Press has access, the judge rejected the State Prosecutors request to compensate third party purchasers in good faith because there was insufficient evidence of their existence. AUAN can confirm that the third party purchasers exist and are in the main British citizens and we are very concerned that no steps appear to have been taken to inform them of their involvement in this case so that they could exercise their right to defend their interests. We can only hope that they can appeal this judgement or seek damages in some realistic way.

There is something very wrong with a system of justice which allows those who have committed no crime to bear the greatest punishment for the actions of others. The government of Spain needs to review this aspect of its Criminal Code as a matter of urgency, in our view. Two properties belonging to British citizens were demolished in the hamlet of Arroyo Albanchez, also in Cantoria, in October 2013 and a further two were demolished in the same location in November of this year. No compensation has been paid to date to their British owners. The court judgement in this case was issued in June 2013.

The property of Helen and Len Prior was demolished in Vera, Almería in 2008. They also have yet to be compensated for the loss of their home'.

'More unlucky foreign home buyers, mostly Germans and British, choosing property in Spain are in danger from government corruption scandals and building created without valid permits. This corruption threatens homes, mortgages and other assets. To avoid these kinds of problems in the future, when moving to this lovely area of the world, consider the following tips. How should the average Joe looking to buy a place in the sun avoid the all-too-real threat of seeing their dream bulldozed in years to come?...'. From WikiHow 'Six Ways to Avoid Investing in Illegal Spanish Property'.

Tourism:

A judge has ordered the nationwide ban against the private driver site called Über for 'unfair competition' (i.e. it's cheaper). The BBC quotes the company's response: '..."Uber is our ride-sharing solution and is about sharing the costs of vehicle ownership and helping people give up their cars," an Uber spokesman said, "and we will continue to run the service"...'.

The Chinese financed Eurovegas, with 6,000 million euros promised, will be built on the outskirts of Madrid in Campamento on land to be bought from the State, 'just eight kilometres from the Puerta del Sol'. The centre will have hotels, commercial centres and, of course, casinos.

Finance:

El País tells us that, at 2,530€ gross, the average wage in the public sector is 50% higher what it is in the private sector. Private sector jobs include part-time, temporary and unskilled jobs. Thirty per cent of working Spaniards earn less than 1,000€ per month net.

Tax reforms in 2015 will include a new 'Exit Tax' for those long-term top-wealth residents intent on leaving Spain, according to El País. More in English here, And (from a tax-expert's perspective), here.

The Comisión Nacional de los Mercados y la Competencia (CNMC) says that the State has promised 371,358 million in support for Spanish banks, with a probable unrecoverable loss of around 88,000 million euros.

'How sovereign wealth funds bought Spain', from Forbes. '...sovereign wealth funds put an extraordinary Eu40 billion of investment into Spain between 2009 and 2014. Half of it came from Norway, with its participation in Ibex 35 and debt, but the remainder is a case study of how the places that we once considered emerging are now the most powerful acquirers of assets in the developed world...'.

Multinational companies have been quietly meeting with leaders of Podemos to exchange impressions, according to El Diario here.

'State-owned lender Bankia have produced a series of error-strewn accounts to the judge ruling over the bank’s corruption probe. The accounts relate back to the year 2011 – the year Bankia listed its shares – and according to a court report, they ‘do not comply with Bank of Spain norms’. The lender reportedly used the rigged accounts to market and sell its stocks to investors. The report slammed ‘the figures in their entirety’ claiming they presented a completely ‘inaccurate image’...'. From The Olive Press. The Minister of the Economy, Luis de Guindos, said on Monday on a visit to Brussels that 'In 2011, Bankia was part of Spain's problem. Now in 2014, it is part of the solution'.

From the South China Morning Post: 'The Spanish region of Andalucía agreed to sell real estate to WP Carey for €300 million in a sale-and-leaseback deal that is the largest-ever for public property in the country. The Andalucían regional government sold 70 buildings to a unit of New York-based WP Carey, according to a statement posted on its website. The Junta de Andalucía will rent the properties back for €23.6 million annually over a 20-year period...'. (After 20 years, Andalucía will have paid €472 million and will have lost the properties. It sounds like they have been caught on an 'Asset Release' scheme...). The story also appears in Cinco Días.

In just three years, says El Confidencial, the Government has spent a third of the funds held for Spanish pensions. The figures are here.

As for our 'Black Society' (La economía “B”), which seems to run at about 20% of GDP these days, El Mundo has the inside story in a major report. You can see how your province is doing!

Spain's richest and poorest municipalities and the most unequal (per capita). All the municipalities are listed here (how is yours?).

The useful Citizen's Advice Bureau Spain sends out the following: 'The Spanish Tax Agency has sent out letters to owners of properties in over a 1.000 towns in Spain, informing them of the start of proceedings (´expediente'), regarding non-declared alterations to the construction of their property. This could either be an amplification of the square meters, or a reform that changed the registered use of the property (former shed or stable converted into living quarters for example)...'. Meanwhile, some properties are paying too much IBI. A report in Hoy on some properties in Extremadura who had been paying 100 times over the odds on their rates.

Spain will lose one million inhabitants in the next fifteen years and 5.6 million in the next fifty, according to El Confidencial, quoting figures from a study produced by the Instituto Nacional de Estadísticas. Births/deaths and migration the twin causes. One fellow who has left appears in a short and most comical video at Spanish Shilling here.

Politics:

Ana Mato, the Minister for Health, handed in her resignation last month after suggestions of impropriety within the Gürtel investigation, and her replacement is Alfonso Alonso, who has apparently received a number of police complaints for smoking in public places.

Here is the Financial Times with a surprising conclusion (about Podemos and other European hard-left groups): '...Let us assume that you share the global consensus view on what the euro-zone should do right now. Specifically, you want to see more public-sector investment and debt restructuring. Now ask yourself the following question: if you were a citizen of a euro-zone country, which political party would you support for that to happen? You may be surprised to see that there is not much choice. In Germany, the only one that comes close to such an agenda is Die Linke, the former Communists. In Greece it would be Syriza; and in Spain, it would be Podemos, which came out of nowhere and is now leading in the opinion polls...'. The Podemos financial plan 'to save 44.000 million' here. Indeed, it seems that several international newspapers like the sound of Podemos, including The Economist and even the London School of Economics! The Podemos financial plans are also discussed in Open Europe Blog here.

The PSOE presents a powerful video against the Government's record here.

The socialist-leaning Metroscopia survey gives the PSOE first place (27%) with Podemos in second (25%) and the PP trailing, at 20%, in third. Another survey, from Electromanía, gives Podemos as the leader, with a breakdown by provinces (they lead in 14, including Madrid and Barcelona, and are second in another 14). The Autonomy of Andalucía remains with Susana Díaz and the PSOE.

The Government launched its 'transparency website' yesterday (Wednesday) as an 'arm against corruption'. You can find it here (in English, here). The Administration is providing 500,000 details about the way it spends taxpayers' money, including government wages (El País in English has a story on this here). Reading up on the new information, El Mundo notes that the PP and PSOE between them have received 40 million euros this year in 'aid', while pro-independence parties (!) have received three million to date.

Corruption:

'Spain gets a passing grade in the 2014 Corruption Perceptions Index, which is put together by Transparency International. The non-profit group, which released its annual report on Wednesday, assigned Spain 60 points out of 100, one point more than last year and five points less than in 2012. This places Spain in 37th place out of 175 countries, three positions higher than last year... From El País in English. The article ends with: '...In any case, corruption in the public sector “is not systemic” in Spain, says TI. Instead, “it focuses on politics, with the connivance of certain companies.” Transparency International has already urged political parties to adopt “a much firmer attitude” toward corruption and to take “immediate” measures to “alleviate the evident level of citizen indignation.” Go to http://www.transparency.org/cpi2014/results to check other results.

From BBC News: 'Spain's Prime Minister Mariano Rajoy has told MPs that most politicians are not corrupt (…) Mr Rajoy told MPs that all corruption hurt democracy and discredited Spain. "I care deeply about injustice. I cannot accept that the suspicion of corruption spreads to all Spanish politicians," he said...'.

'The biggest of all cases of corruption never appears in the general media', says a blogger called DJ Ducys, before bringing to task the energy companies: 'The Prosecutor for Corruption has begun to take statements from those politicians responsible for energy between 2007 and 2010 with the PSOE Government, in an investigation to clarify whether the Zapatero Government forgave a debt of between 2,500 and 3,500 million euros to the electric companies. The prosecution has called on at least three state lawyers and a former energy secretary to testify in a secret investigation, according to knowledgeable sources of research. The question is to discover why the Government never claimed to the power companies to return excess charges for the costs of transition to competition (CTC) that had been passed to the general public despite a report from the State Lawyers back in March 2008. Las Eléctricas have always denied that there were over the top illegal charges...'. A citizens' consumer group has now brought the case officially to the attention of Prosecutor Luis Rodríguez Sol, who apparently does not wish to comment on the story.

The ex-president of the Diputación of Castellón Carlos Fabra (PP), he of the empty airport, has gone to prison to begin a four-year term.

Catalonia:

How about making Spain a two-capital state, with Madrid and Barcelona sharing the distinction? Well, it's a possible solution to cheer up the Catalans, but it's not a very popular one with Madrileños, including the Mayoress... Another article here reports on the idea to move the Senate to the Catalonian city to make it the co-capital.

Courts:

'Iñaki Urdangarin, husband of Spanish royal Cristina de Borbón, is closer to standing trial over the Nóos case, which involves millions of euros in embezzled money earned through no-bid contracts with the regional governments of Valencia and the Balearics...'. From El País in English. The Prosecutor is asking for 15 years jail and 11 years for his partner Jaume Matas, the former premier of the Balearic Islands. As expected, the Princess Cristina has been quietly let off... (Later: we read that the prosecutor would accept six years prison for Urdangarin plus six million euros fine).

Pablo Ruz, the judge in charge of the interminable Gürtel Inquiry, will be removed from his position by the Consejo General del Poder Judicial in a move which will gladden the hearts of politicians, particularly those in the Partido Popular. The case would then stall until, perhaps, after the 2015 elections... Indeed, another 363 judges are also earmarked for rotation in March, thus slowing down our justice still further.

'Tough Love: a ground-breaking scheme for young offenders in Spain', an interesting article about juvenile offenders found at The Guardian.

After everything else has been said about the justice system in Spain, El Diario notes that we have ten judges per 100,000 inhabitants less than the European average. That's 11.2 against the average of 21. (In the UK, things are still more extreme, with 3.58 per 100,000!).

At least a dozen local politicians in Almería have been given jail time this week following the 'illegal houses' scandal.

Essay:

Inheritance Tax - New anti-discrimination

From David Mills

The Government has introduced an amendment to add a Third Additional Provision to a pending law reform of various tax laws affecting inheritance and Gift Tax and their approval is expected before the end of the year.
Following the recent ruling on 3rd September 2014 of the Court of Justice of the European Communities concerning the discrimination of Inheritance and Gift tax against non-resident taxpayers and those deceased compared to Spanish residents in Spain, that legislation of the Autonomous Community can be applied, and is often much more favourable, the government was forced to introduce, through its parliamentary group (PP) an amendment to add a Third Additional Provision to a pending law reform of various tax laws (income tax for residents and non-residents), whereby Inheritance and Gift tax are reformed and this is expected to be passed before the end of the year.
To give equal treatment to non-residents as to residents as determined by the judgment , the proposed ruling is threefold:

First it narrows its application to residents of the European Economic Area ( the 28 EU countries plus Iceland, Liechtenstein and Norway).

It further provides the option for non-residents to apply the State or Regional rule when considering which is more favourable to them.
Finally, it establishes what are called "points of connection" between a non-resident and an Autonomous Community, in order to determine which regional legislation can be applied to their tax. However, unlike what happens with residents whose key "connection point" is, for probate, the habitual residence of the deceased in a particular Autonomous Community and in the case of donations, the tax residence of the donee or where the property is situated, in the case of non-residents, it is necessary to determine other ‘’points of connection’’ that would prevent discrimination taking place.

The rule establishes the following ‘’points of connection’’:
In the case of inheritance in Spain:
- Where the deceased was not resident in Spain, in the community where the highest value of the assets and rights of the estate are located in Spain.
- Where the deceased was resident in Spain, in the Autonomous Community in which they were resident.
If the case of a Gift
- Where the recipient was not resident in Spain, in the Autonomous Community where their moveable assets have been located mostly (based on the number of days) during the immediately preceding five years. Or in the case of life insurance in the Autonomous Community in which the head office of the Spanish insurer is or where the contract was signed for a foreign insurer.
- Where the recipient was resident in Spain, in the Autonomous Community where he was resident for the acquisition of property located in a European Union State or the European Economic Area.

In short, the proposed amendments will add more complexity to a community that already has 20 tax regimes for Inheritance/Gift tax, which are continually changing and which a non-resident is obliged to be aware of if they want to plan their investment in Spain, and additionally it will increase tax disputes, consequently increasing the legal costs of carrying them out.
This makes it even more important that a non-resident consults an expert on matters of taxation of non-residents, if they want to properly plan the tax consequences of a gift or inheritance.

Various:

Google News España is closing its service for national coverage as from December 16th, thanks to the new rules from the Government, the 'Ley de Propiedad Intelectual', known popularly as the 'Google Tax'. News-links will therefore not receive extra readership through the Google service. Other 'aggregators' will no doubt follow before the end of the year.

Spain's newspapers are not doing well. October's figures from the OJD show El País down on last year's useful print run by 8% to 143,000 copies daily. El Mundo has fallen by 16% to 102,000 copies. The ABC is down 8.5% to 88.000 copies and La Razón is also down to just 59,000 copies. The EGM (which studies readership – giving as much as 15 readers to a copy of some newspapers (see here) claims that El País has lost 200,000 readers and El Mundo 100,000. El País has meanwhile edged out El Mundo for the top website spot, with 13.5 million single visitors in October. Meanwhile, Pedro J Ramírez, is apparently planning a new digital title for September 2015.

Felipe Gonzalez, Spain's flamboyant PSOE president from 1982 to 1996, has taken out Columbian citizenship. He keeps his Spanish passport, but now has dual nationality.

The end of the old rent-protection system in the big cities (el 'Decreto Boyer') means that many shops will be forced to close as rents will climb beyond their ability to pay. Spiegel has the story here (in German). The story in Spanish, from ABC, here.

'Premier Pension Solutions has dropped off the list of FEIFA members: The chairman of the Federation of European Independent Financial Advisers (FEIFA), Paul Stanfield, confirmed today that the offshore pension planning firm “is no longer a FEIFA member”. Lead in a report at International Adviser (15 Nov).

The price of cut flowers and plants in pots has gone down after the Senate agreed to lower the IVA rate in this sector from 21% to just 10%. More here.

A Spanish joke: Did you hear about the politician who decided he was going to fight against corruption, so he turned himself in to the police.

Cold this winter? The Telegraph says that the British Government's plan to deprive ex-pat pensioners of their 'heating allowances' is unfair: 'A former election manager for Margaret Thatcher has accused the Department for Work and Pensions (DWP) of changing the definition of winter in a "cruel" move to deprive ex-pat pensioners of seasonal fuel payments. Roger Boaden, 74, a Briton living in France, worked for the Conservative Party for 30 years and managed Mrs Thatcher's three general election campaign tours. Upset at an announcement that elderly ex-pats in "warm countries" will lose winter fuel payments – worth up to £300 – from next year, Mr Boaden used freedom of information requests to dig into the background...'.

The remarkable institutional fraud on privately owned solar power in Spain, 'Con el Culo al Sol: Trampa España' in the full video here or a five minute trailer here. 'El petroleo de España es el sol', says one of the owners of a small solar-park who has been defrauded by Government regulations (with the energy monopolies – and their ex-politicians on their boards of directors – behind them). 'This is not just about 62,000 small-time owners of solar panels being ripped-off, this is about the entire country', says another.

Is bullfighting 'on the way out?' asks Newsweek. The radical group Podemos, if it takes office after the next General Elections in Spain (sometime late next year), would probably seek to ban them. The article notes that 'opinion polls on bullfighting are rare in Spain. The last time the government’s CIS public opinion research body asked about the practice was in 1995, when 45.5% said they were in favour and 39.9% against...'.

'Ten of the Oldest Restaurants in Spain' – an interesting read at Spain's Top Ten. One of them, Botín in Madrid, dates back to 1725 and it is said to be the oldest in the World.

A photo-gallery of Spain’s 10 most geologically spectacular spots from El País in English.

The 'Mediterranean Diet' is linked to a longer life. Report here.

A guide to the Municipal Elections and how to register to vote. Video from the Diputación de Alicante in English.

Do you use an ad-blocker on your browser (an 'app' that removes all those pesky advertisements on your favourite sites)? A lot of people do. 144 million worldwide. The figure includes around 14% of all Spanish users.

Finally:

They want to take away our 'ñ' to make us more European. Comical video with Sevillanas.

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