2 Legal IVA Loopholes in the UK – What Can You Do?

Are you trying to understand more about Individual Voluntary Arrangements (IVAs) in the UK? You’re in the right place. Every month, more than 12,000 people visit our site to learn more about debt matters, including IVAs. 

In this article, we’ll explain:

  •  What an IVA is and how it works
  •  If you need to pay and how much
  •  Two legal ways to make your IVA easier
  •  How to end your IVA early or get it written off.

We know that dealing with debt can be hard and scary you might be worried about not being able to pay or what will happen if you can’t. We have been there too. 

Ready to learn about IVAs and how you can use them to help with your debt? Let’s get started!

What can you not do with an IVA?

While using an IVA you will live under several restrictions. You wont be able to:

  • Save significant amounts of money
  • Because you cant save, its hard to go on holidays or pay for luxury/non-essential items
  • Take out further credit without permission
  • Keep any financial windfalls as these might need to be paid into the IVA as per a windfall clause in the IVA agreement

IVA loopholes you need to know!

People are always looking for clever ways to beat the system, and there are some people who want to try and use an IVA to their advantage. 

The above is quite clever but not something I would recommend. There are flaws in this plan and probable legal implications too. 

But what about legal IVA loopholes for people who are already using an IVA? Well, I do have some of those to share – youve waited long enough if youve read up until this point. 

IVA Loophole #1: Additional income threshold

The best IVA loophole is the additional income threshold. This is a legal threshold that allows you to earn a certain amount of money above your usual income. 

The threshold is usually set at 10%. So, for example, if you earned £350 per week, you are allowed to earn another £35 in most cases and be allowed to keep this money. You can even keep some of the money you earn above this threshold, often 50%!

This money could then be saved and then used to pay for luxury items or even a holiday. 

IVA Loophole #2: You can still get a loan

Its completely legal for you to take out a loan worth up to £500 without having to ask permission from your insolvency practitioner. You only need permission if the amount you want to borrow is more than £500 unless otherwise stated in your IVA agreement. 

This money can be used as you need, but you will need to repay. It may not be wise to use this IVA loophole as it could create further debts. Some creditors wont approve you due to the IVA, so you may need to search for bad credit lenders instead.

How can I finish my IVA early?

The only way to finish your IVA early is to make a full and final settlement offer to all creditors. It will end your IVA and the IVA restrictions youre currently living under. Any remaining debt will be wiped giving you a fresh start.

This will only be possible if you have come into money during the IVA as it wont be possible to save a significant sum during the IVA itself. 

You may have enough money to make a full and final settlement offer if you have a windfall from inheritance or a lottery win. However, a windfall clause within the IVA will mean you have to pay this into the IVA anyway, but it could still help you end the IVA early.

Alternatively, someone may offer to finance your full and final settlement offer. 

Can I hide money from IVA?

No, you shouldnt hide money during the IVA application process or once the IVA is set up. There can be serious consequences for hiding money during an IVA, and there is even the possibility of being sent to jail. 

If your financial situation improves during the IVA you have an obligation to tell your insolvency practitioner managing your IVA. Your repayments may increase as a result. On the other hand, you can tell them if your income decreases, which may result in an IVA repayment decrease.

Can I get my IVA written off?

You can only end your IVA early and potentially have some of the debt written off by making a full and final settlement offer. 

There are no other ways of ending the IVA and writing off the debt. If you default on your IVA, your creditors could then petition to make you bankrupt.  

More of my debt help!

If youre struggling with your IVA its best to discuss your situation directly with your IVA management company. But if you or someone you care about is struggling with other debts, I recommend giving my Get Out of Debt page a quick read!

253 thoughts on “2 Legal IVA Loopholes in the UK – What Can You Do?”

  1. Hi there terrific blog! Does running a blog like this require a
    lot of work? I have absolutely no expertise in computer programming however
    I had been hoping to start my own blog soon. Anyhow, should you have any
    recommendations or techniques for new blog owners please share.
    I understand this is off topic nevertheless I
    just wanted to ask. Cheers!

  2. Have you ever considered about adding a little bit more than just your articles?
    I mean, what you say is fundamental and all. Nevertheless think about if you added some great visuals or
    videos to give your posts more, “pop”! Your content is excellent
    but with images and videos, this site could certainly be one
    of the best in its field. Very good blog!

  3. I’m impressed, I must say. Seldom do I come across a blog that’s both equally educative and interesting, and without a doubt, you have hit the nail on the head.
    The issue is something which too few folks are speaking intelligently about.
    I am very happy that I came across this in my hunt for something regarding this.

  4. Hey! Do you know if they make any plugins to protect against hackers?
    I’m kinda paranoid about losing everything I’ve worked hard
    on. Any suggestions?

  5. I was curious if you ever thought of changing the structure of your website?
    Its very well written; I love what youve got to say. But maybe you could a little more in the way of content so people could connect with it better.
    Youve got an awful lot of text for only having one or two pictures.
    Maybe you could space it out better?

  6. Hi, i think that i saw you visited my blog so i came
    to “return the favor”.I am attempting to find things to improve my web site!I suppose its ok to use
    a few of your ideas!!

  7. Hi there! This post could not be written any better! Looking at
    this article reminds me of my previous roommate!

    He constantly kept preaching about this. I’ll forward
    this post to him. Fairly certain he’s going to have a great read.

    Many thanks for sharing!

  8. I have not checked in here for a while because I thought it was getting boring, but the last several posts are good quality so I guess I will add you back to my daily bloglist. You deserve it my friend 🙂

  9. Can I simply just say what a relief to find somebody that really knows what they’re talking about
    over the internet. You actually realize how to bring
    a problem to light and make it important. More and more people really
    need to look at this and understand this side of your story.

    I was surprised that you are not more popular since you definitely have the gift.

  10. excellent post, very informative. I’m wondering why the opposite experts of this
    sector don’t understand this. You should proceed your writing.

    I am confident, you have a huge readers’ base
    already!

  11. We stumbled over here from a different page and thought I might check things out.
    I like what I see so now i am following you. Look forward to exploring your web page repeatedly.

  12. I absolutely love your blog.. Great colors & theme. Did you create this site yourself?
    Please reply back as I’m hoping to create my very own blog
    and would like to know where you got this from or just what the theme is called.

    Cheers!

  13. It’s a shame you don’t have a donate button! I’d most certainly donate to this excellent blog!
    I guess for now i’ll settle for bookmarking and adding your
    RSS feed to my Google account. I look forward to new updates and will talk about this blog with
    my Facebook group. Chat soon!

  14. I don’t even know how I ended up here, but I thought this post was good.

    I do not know who you are but certainly you are going to a famous
    blogger if you are not already 😉 Cheers!

  15. I was wondering if you ever thought of changing the page layout
    of your blog? Its very well written; I love what youve got to say.
    But maybe you could a little more in the way of content so
    people could connect with it better. Youve got an awful lot of text for only having one or two images.
    Maybe you could space it out better?

  16. Hello There. I found your weblog the use of msn. That is a very neatly written article.
    I will make sure to bookmark it and return to read more of your useful info.
    Thanks for the post. I will definitely comeback.

  17. I’m truly enjoying the design and layout of your blog.
    It’s a very easy on the eyes which makes it much
    more pleasant for me to come here and visit more often.
    Did you hire out a developer to create your theme?
    Fantastic work!

  18. Wonderful blog! I found it while surfing around on Yahoo News.

    Do you have any tips on how to get listed in Yahoo News?
    I’ve been trying for a while but I never seem to get there!

    Appreciate it

  19. Hmm it appears like your site ate my first
    comment (it was extremely long) so I guess I’ll just sum it up what I had written and say, I’m thoroughly
    enjoying your blog. I as well am an aspiring blog blogger but I’m still new to everything.
    Do you have any recommendations for rookie blog writers?
    I’d genuinely appreciate it.

  20. Its like you read my mind! You seem to know so much about
    this, like you wrote the book in it or something. I think that you could
    do with some pics to drive the message home a little bit, but other than that,
    this is excellent blog. A great read. I’ll definitely be back.

  21. Hi, Neat post. There’s an issue with your site in web explorer, might check this?K IE still is the marketplace chief and a huge section of folks will leave out your wonderful writing because of this problem.

  22. Howdy! Quick question that’s completely off topic. Do you know how to make your site mobile friendly? My web site looks weird when browsing from my apple iphone. I’m trying to find a template or plugin that might be able to resolve this issue. If you have any recommendations, please share. With thanks!

  23. I am so happy to read this. This is the type of manual that needs to be given and not the accidental misinformation that’s at the other blogs. Appreciate your sharing this greatest doc.

  24. It’s actually a great and useful piece of info. I am glad that you simply shared this useful info with us. Please stay us informed like this. Thank you for sharing.

  25. My coder is trying to convince me to move to .net from PHP. I have always disliked the idea because of the costs. But he’s tryiong none the less. I’ve been using WordPress on numerous websites for about a year and am concerned about switching to another platform. I have heard fantastic things about blogengine.net. Is there a way I can transfer all my wordpress content into it? Any kind of help would be greatly appreciated!

  26. Virtually all of whatever you point out happens to be supprisingly legitimate and it makes me wonder the reason why I had not looked at this in this light previously. Your piece really did turn the light on for me as far as this specific issue goes. But there is actually one issue I am not necessarily too comfortable with so while I make an effort to reconcile that with the central idea of the position, let me see what all the rest of the readers have to point out.Very well done.

  27. We are a bunch of volunteers and starting a brand new scheme in our community.
    Your website provided us with valuable information to work on. You’ve done a formidable
    activity and our whole community will likely be thankful to
    you.

  28. You are so cool! I do not think I have read through a single
    thing like this before. So wonderful to discover somebody with a few unique thoughts on this subject.
    Seriously.. thank you for starting this up. This web site
    is something that’s needed on the internet, someone with some originality!

  29. Excellent post. I was checking continuously this blog and I’m impressed!
    Very useful info specifically the last part 🙂 I care for such info much.

    I was seeking this certain information for a very long time.
    Thank you and good luck.

  30. Whats up very cool site!! Guy .. Excellent ..

    Superb .. I’ll bookmark your website and take the feeds also?
    I am glad to search out so many useful info right here in the
    submit, we need develop more techniques on this regard, thanks
    for sharing. . . . . .

  31. Please let me know if you’re looking for a author for your weblog.
    You have some really good articles and I believe I would be a good asset.

    If you ever want to take some of the load off, I’d really like to write
    some content for your blog in exchange for a link back to mine.
    Please shoot me an email if interested. Thank you!

  32. Your style is unique compared to other people I have read stuff from.

    Thanks for posting when you have the opportunity, Guess I’ll just bookmark this blog.

  33. Fantastic site you have here but I was curious about if you knew of any forums that cover the same topics discussed here?
    I’d really like to be a part of group where I can get opinions from other experienced people that share the
    same interest. If you have any recommendations, please let
    me know. Thanks!

  34. It’s perfect time to make some plans for the future and it’s time to be happy. I have read this post and if I could I wish to suggest you some interesting things or advice. Perhaps you can write next articles referring to this article. I want to read more things about it!

  35. I absolutely love your website.. Pleasant colors & theme.
    Did you build this site yourself? Please reply back as I’m attempting to create my
    own website and would love to learn where you got this
    from or exactly what the theme is named. Appreciate it!

  36. I am now not certain the place you’re getting your information, however good topic. I must spend a while studying more or working out more. Thanks for wonderful info I used to be searching for this info for my mission.

  37. Can I just say what a relief to find someone who actually knows what theyre talking about on the internet. You definitely know how to bring an issue to light and make it important. More people need to read this and understand this side of the story. I cant believe youre not more popular because you definitely have the gift.

  38. I used to be very happy to find this web-site.I wanted to thanks to your time for this glorious read!! I positively having fun with every little little bit of it and I’ve you bookmarked to check out new stuff you blog post.

  39. Nice blog! Is your theme custom made or did you download it from somewhere? A design like yours with a few simple tweeks would really make my blog shine. Please let me know where you got your theme. Thank you

  40. Thank you for another informative site. The place else may just I get that type of info written in such a perfect approach? I have a mission that I am simply now running on, and I have been at the look out for such info.

  41. Greetings! This is my first comment here so I just wanted to give a quick shout out and say I really enjoy reading your posts. Can you suggest any other blogs/websites/forums that cover the same subjects? Thanks!

  42. Food Group Food Portion Fiber grams Vegetables Artichoke, cooked 1 medium 7 grams Broccoli, cooked 1 cup 6 grams Carrots, raw 1 cup, chopped 3 grams Baked potato with skin 1 small 3 grams Cauliflower, cooked 1 cup 3 grams Fruits Raspberries fresh or frozen 1 cup 8 grams Pear with skin 1 medium 6 grams Avocado medium 5 grams Apple with skin 1 medium 4 grams Orange 1 medium 3 grams Grains Whole wheat pasta 1 cup 6 grams Whole wheat bread 2 slices 4 grams Popcorn air popped 3 cups 3 grams Barley, cooked cup 3 grams Beans, legumes, nuts, seeds Lentils, cooked cup 8 grams Black beans, cooked cup 7 grams Almonds 1 ounce 3 grams Pistachios 1 ounce 3 grams where to buy cytotec without prescription 25 of nominalb 104 104 110 96

  43. Thank you for another informative site. Where else may just I am getting that kind of info written in such an ideal way? I have a venture that I’m simply now operating on, and I have been at the look out for such information.

  44. I wanted to express my deepest gratitude for your role in my life. Your unwavering love, guidance, and support have shaped me into who I am today. Thank you for being an amazing family member.

  45. Howdy I am so thrilled I found your webpage, I really found you by mistake, while I was browsing on Yahoo for something else, Anyways I am here now and would just like to say thank you for a incredible post and a all round exciting blog (I also love the theme/design), I don’t have time to browse it all at the moment but I have bookmarked it and also added your RSS feeds, so when I have time I will be back to read a lot more, Please do keep up the great work.

  46. I love your blog.. very nice colors & theme. Did you create this website yourself? Plz reply back as I’m looking to create my own blog and would like to know wheere u got this from. thanks

  47. Excellent post. I was checking constantly this blog and I am impressed! Very useful information particularly the last part 🙂 I care for such information much. I was looking for this certain info for a very long time. Thank you and best of luck.

  48. As I website possessor I believe the content material here is rattling excellent , appreciate it for your efforts. You should keep it up forever! Good Luck.

  49. Explore a wide range of unique cycling gear, including jerseys, bib shorts, and custom designs. Perfect for every cyclist, from casual riders to pros. High-quality materials, standout designs, and options for personalization make it easy to find the perfect fit for you or your team. Shop now and ride in style!

  50. Explore a wide range of unique cycling gear, including jerseys, bib shorts, and custom designs. Perfect for every cyclist, from casual riders to pros. High-quality materials, standout designs, and options for personalization make it easy to find the perfect fit for you or your team. Shop now and ride in style!

  51. Dead pent content material, appreciate it for selective information. “The bravest thing you can do when you are not brave is to profess courage and act accordingly.” by Corra Harris.

  52. МТЮ Лизинг https://depo.rent предоставляет аренду автомобилей в Крыму, включая Симферополь. Удобный онлайн-сервис позволяет оформить аренду на сайте за несколько минут. Широкий выбор автомобилей и выгодные условия делают поездки по региону комфортными и доступными.

  53. Онлайн-журнал о строительстве https://zip.org.ua практичные советы, современные технологии, тренды дизайна и архитектуры. Всё о строительных материалах, ремонте, благоустройстве и инновациях в одной удобной платформе.

  54. Всё об авто https://road.kyiv.ua в одном месте: новости, тест-драйвы, сравнения, характеристики, ремонт и уход. Автомобильный онлайн-журнал — ваш эксперт в мире машин.

  55. Женский портал https://abuki.info мода, красота, здоровье, семья, карьера. Советы, тренды, лайфхаки, рецепты и всё, что важно для современных женщин.

  56. Only wanna remark on few general things, The website pattern is perfect, the content is really good. “If a man does his best, what else is there” by George Smith Patton, Jr..

  57. My spouse and I stumbled over here coming from a different web address and thought I should check things out. I like what I see so now i am following you. Look forward to looking at your web page yet again.

  58. Всё о туризме https://atrium.if.ua маршруты, путеводители, советы по отдыху, обзор отелей и лайфхаки. Туристический портал — ваш помощник в путешествиях.

  59. Туристический журнал https://elnik.kiev.ua свежие идеи для путешествий, обзоры курортов, гиды по городам, советы для самостоятельных поездок и туристические новости.

  60. Туристический портал https://feokurort.com.ua необычные маршруты, вдохновляющие истории, секреты бюджетных путешествий, советы по визам и топовые направления для отдыха.

  61. Статьи о туризме и путешествиях https://inhotel.com.ua маршруты, гиды по достопримечательностям, советы по планированию поездок, рекомендации по отелям и лайфхаки для туристов.

  62. Строительная компания https://as-el.com.ua выполняем строительство жилых и коммерческих объектов под ключ. Полный цикл: проектирование, согласование, строительство и отделка.

  63. На строительном портале https://avian.org.ua вы найдете всё: от пошаговых инструкций до списка лучших подрядчиков. Помогаем реализовать проекты любой сложности быстро и удобно.

  64. Строительный портал https://ateku.org.ua ваш гид в мире строительства и ремонта. Полезные статьи, обзоры материалов, советы по выбору подрядчиков и идеи дизайна.

  65. Портал по ремонту https://azst.com.ua всё для вашего ремонта: подбор подрядчиков, советы по выбору материалов, готовые решения для интерьера и проверенные рекомендации.

  66. Всё о ремонте на одном сайте https://comart.com.ua Портал по ремонту предлагает обзоры материалов, рейтинги специалистов, советы экспертов и примеры готовых проектов для вдохновения.

  67. Журнал по ремонту https://domtut.com.ua и строительству – советы, идеи и обзоры. Узнайте о трендах, изучите технологии и воплотите свои строительные или дизайнерские задумки легко и эффективно.

  68. Журнал по ремонту и строительству https://diasoft.kiev.ua гид по современным тенденциям. Полезные статьи, лайфхаки, инструкции и обзор решений для дома и офиса.

  69. Новости технологий https://helikon.com.ua все о последних IT-разработках, гаджетах и научных открытиях. Свежие обзоры, аналитика и тренды высоких технологий.

  70. Строительный онлайн журнал https://inter-biz.com.ua руководства по проектам любой сложности. Советы экспертов, подбор материалов, идеи дизайна и новинки рынка.

  71. Строительные технологии https://ibss.org.ua новейшие разработки и решения в строительной сфере. Материалы, оборудование, инновации и тренды для профессионалов и застройщиков.

  72. Дизайн интерьера и территории https://lbook.com.ua идеи оформления жилых и коммерческих пространств. Современные тренды, советы экспертов и решения для создания стильного и функционального пространства.

  73. Асфальтирование и ремонт дорог https://mia.km.ua информация о технологиях укладки асфальта, методах ремонта покрытий и современных материалах.

  74. Сайт про ремонт https://odessajs.org.ua полезные советы, инструкции, подбор материалов и идеи дизайна. Всё, что нужно для качественного и продуманного ремонта любого помещения.

  75. Онлайн журнал о ремонте https://prezent-house.com.ua статьи, лайфхаки и решения для всех этапов ремонта: от планирования до отделки. Практичные рекомендации и идеи для вашего дома.

  76. Мастерская креативных идей https://rusproekt.org пространство для творчества и инноваций. Уникальные решения для дизайна, декора и проектов любого масштаба.

  77. Журнал о строительстве и ремонте https://selma.com.ua советы экспертов, обзор материалов, тренды в интерьере и готовые решения для качественного ремонта вашего дома или офиса.

  78. Портал о ремонте https://rvps.kiev.ua практичные рекомендации, дизайн-идеи, современные технологии и инструкции для успешного ремонта любого уровня сложно

  79. Информационный портал о ремонте https://sevgr.org.ua практичные советы, проверенные методики и новинки рынка. Помощь в планировании, выборе подрядчиков и создании идеального пространства.

  80. Портал об архитектуре https://solution-ltd.com.ua информация о культовых проектах, новые технологии строительства, эстетика пространств и актуальные решения для городов и частных

  81. Информационный портал о ремонте https://stinol.com.ua практичные советы, проверенные методики и новинки рынка. Помощь в планировании, выборе подрядчиков и создании идеального пространства.

  82. Гид по ремонту https://techproduct.com.ua идеи и советы для самостоятельного ремонта: экономичные решения, готовые проекты, обзоры материалов и дизайнерские лайфхаки.

  83. Журнал про строительство и ремонт https://ukrainianpages.com.ua профессиональные статьи о ремонте любой сложности. Как оптимизировать расходы, найти подрядчиков и добиться идеального результата.

  84. Автодоставка из Китая https://china-top.ru быстрая и надежная транспортировка товаров. Полный цикл: от оформления документов до доставки на склад клиента.

  85. Смотреть индийские фильмы онлайн https://kinoindia.tv подборка лучших фильмов с уникальным колоритом. Бесплатный доступ и ежедневное обновление каталога.

  86. Журнал про строительство и ремонт https://ukrainianpages.com.ua профессиональные статьи о ремонте любой сложности. Как оптимизировать расходы, найти подрядчиков и добиться идеального результата.

  87. Free Online Games online games your gateway to a world of free online entertainment! Explore a vast collection of games, from puzzles and card games to action and arcade classics. Play instantly on any device without registration or downloads

  88. Thanks, I have recently been looking for info about this subject for a long time and yours is the greatest I have came upon so far. But, what concerning the conclusion? Are you positive in regards to the source?

  89. of course like your web site but you have to check the spelling on quite a few of your posts. A number of them are rife with spelling issues and I in finding it very troublesome to inform the reality on the other hand I¦ll definitely come again again.

  90. Летайте выгодно с Pegasus Airlines предлагаем доступные билеты, удобные маршруты и современный сервис. Внутренние и международные рейсы для комфортных путешествий.

  91. Наши бюстгальтер белый предлагают идеальное сочетание стиля и комфорта. Выберите бюстгальтер без косточек для мягкой поддержки или кружевной бюстгальтер для романтичного образа. Для будущих мам подойдут бюстгальтеры для беременных и бюстгальтеры для кормления. Обратите внимание на бюстгальтер с пуш-ап для эффекта увеличения груди и комфортные бюстгальтеры для повседневного ношения.

  92. Hi, Neat post. There’s a problem with your website in internet explorer, would test this… IE still is the market leader and a large portion of people will miss your excellent writing due to this problem.

  93. There are some attention-grabbing points in time in this article but I don’t know if I see all of them heart to heart. There may be some validity however I’ll take hold opinion until I look into it further. Good article , thanks and we would like more! Added to FeedBurner as properly

  94. Hi, just required you to know I he added your site to my Google bookmarks due to your layout. But seriously, I believe your internet site has 1 in the freshest theme I??ve came across. It extremely helps make reading your blog significantly easier.

  95. Производство шпона в Москве https://shpon-massiv.ru качественный шпон из натурального дерева для мебели, дверей и отделки. Широкий выбор пород, гибкие размеры и выгодные цены.

  96. Инженерные изыскания в Москве https://geology-kaluga.ru точные исследования для строительства и проектирования. Геологические, гидрологические, экологические и геодезические работы для строительства.

  97. Геосинтетические материалы https://geobentomat.ru надежное решение для строительства и укрепления грунтов. Геотекстиль, георешетки, геомембраны и другие материалы для дренажа, армирования и защиты конструкций.

  98. Torlab.net https://torlab.net новый торрент-трекер для поиска и обмена файлами! Здесь вы найдете фильмы, игры, музыку, софт и многое другое. Быстрая скорость загрузки, удобный интерфейс и активное сообщество. Подключайтесь, делитесь, скачивайте — ваш доступ к миру качественного контента!

  99. Доставка дизельного топлива https://neftegazlogistic.ru в Москве – оперативно и качественно! Поставляем ДТ для автотранспорта, строительной и спецтехники. Гарантия чистоты топлива, выгодные цены и быстрая доставка прямо на объект.

  100. https://rxguides.net Discover the best game codes, in-depth guides, and updated tier lists for your favorite games! Unlock exclusive rewards, master gameplay strategies, and find the top characters or items to dominate the competition. Start your journey to success today!

  101. bilan o’yin-kulgi dunyosiga xush kelibsiz 1win casino! 1000 dan ortiq o’yinlar, jonli dilerlar, sport va e-sport bir joyda. Saxiy bonuslar, tezkor depozitlar va qulay pul olish. O’ynang, g’alaba qozoning va yangi his-tuyg’ularga qayting!

  102. Fantastic items from you, man. I have have in mind your stuff prior to and you’re just extremely magnificent. I actually like what you’ve obtained right here, really like what you are saying and the way during which you say it. You are making it enjoyable and you still take care of to keep it wise. I can’t wait to read much more from you. That is actually a tremendous website.

  103. You have noted very interesting points! ps decent internet site. “To grow mature is to separate more distinctly, to connect more closely.” by Hugo Von Hofmannsthal.

Leave a Comment