What is title insurance and why is it important. How does title insurance differ from other types of insurance. What does title insurance cover. How much does title insurance cost. What are the key changes in mortgage disclosure forms. How do the new Closing Disclosure Forms work.
The Importance of Title Insurance in Real Estate Transactions
Title insurance plays a crucial role in protecting property owners from potential legal and financial risks associated with real estate ownership. But what exactly is title insurance, and why is it so important?
Title insurance is a unique form of protection that safeguards property owners and lenders against losses arising from defects in the title of a property. Unlike other types of insurance that protect against future events, title insurance provides coverage for past occurrences that could jeopardize your ownership rights.
Key Benefits of Title Insurance
- Protection against undiscovered title defects
- Coverage for legal costs in defending your property rights
- Peace of mind for property owners and lenders
- One-time premium for long-term protection
Is title insurance really necessary? The answer is a resounding yes. Without title insurance, you could be held responsible for claims against your property due to errors in public records or hidden title defects. This protection allows you to use your property as you wish, whether it’s for personal use, selling, or securing loans.
How Title Insurance Differs from Other Insurance Types
Title insurance stands out from other forms of insurance in several key ways. How does it compare to more familiar types of coverage like home or auto insurance?
The primary distinction lies in the timing of protection. While most insurance policies cover future events, title insurance protects against past occurrences that could lead to future claims. This retroactive coverage is unique to title insurance and provides a safety net for property owners.
Comparing Title Insurance to Other Insurance Types
| Feature | Title Insurance | Other Insurance Types |
|---|---|---|
| Coverage Period | Past events | Future events |
| Premium Payment | One-time | Recurring |
| Duration of Coverage | As long as you own the property | Policy term (usually annual) |
Do you need to renew your title insurance policy? Unlike other insurance types, title insurance requires only a one-time premium payment and provides coverage for as long as you or your heirs own the property.
Uncovering Hidden Risks: What Title Searches Reveal
Before issuing a title insurance policy, a thorough title search is conducted to uncover any potential issues with the property’s ownership history. What can a title search reveal about a property’s past?
A comprehensive title search can uncover a variety of liens and encumbrances that might affect your ownership rights. These can include:
- Unpaid property taxes
- Unsatisfied mortgages
- Judgments against previous owners
- Restrictions on land use
However, it’s important to note that not all title defects can be discovered through a search. Certain issues, such as fraud, clerical errors, or undisclosed heirs, may remain hidden. This is where title insurance becomes invaluable, providing protection against these unforeseen problems.
Comprehensive Coverage: What Title Insurance Protects Against
Title insurance offers a wide range of protections for property owners. What specific risks does a typical title insurance policy cover?
Standard title insurance policies, such as the ALTA (American Land Title Association) standard policy, typically cover the following:
- Forgery and impersonation
- Lack of legal authority in previous transactions
- Inaccurate or inadequate legal descriptions
- Mistakes in public records
- Undisclosed but recorded prior liens
- Undisclosed easements or use restrictions
For those seeking even more comprehensive coverage, enhanced policies like the Eagle policy offer additional protections. These may include:
- Claims of adverse possession
- Building permit violations
- Post-policy forgery
- Encroachment issues discovered after policy issuance
Can title insurance protect against future issues? While primarily focused on past events, some enhanced policies do offer limited coverage for certain future occurrences, such as post-policy forgery or encroachments.
The Cost of Peace of Mind: Understanding Title Insurance Premiums
One of the most common questions about title insurance is its cost. How is the premium for title insurance determined?
The cost of title insurance varies based on several factors, with the property value being the primary determinant. Unlike other forms of insurance, title insurance requires only a one-time premium payment for coverage that lasts as long as you own the property.
Factors Affecting Title Insurance Cost
- Property value
- Type of policy (standard vs. enhanced)
- Local regulations and market conditions
Is title insurance a worthwhile investment? Given the potential financial risks associated with title defects, many consider the one-time premium a small price to pay for long-term protection and peace of mind.
Navigating Changes: The New Closing Disclosure Form
In recent years, significant changes have been made to the mortgage disclosure process. What is the Closing Disclosure Form, and how does it affect real estate transactions?
The Closing Disclosure Form (CDF) was introduced on October 3, 2015, as part of the TILA-RESPA Integrated Disclosure rule. This form replaced the previously used HUD-1 and final Truth in Lending disclosure, combining them into a single, more comprehensive document.
Key Features of the Closing Disclosure Form
- Clear breakdown of all transaction costs
- Detailed outline of loan terms
- Comparison of estimated and actual costs
- Three-business-day review period for consumers
Why was the Closing Disclosure Form introduced? The primary goal was to provide borrowers with clearer, more transparent information about their mortgage terms and associated costs, allowing for better-informed decision-making in real estate transactions.
Understanding the Three-Day Rule: Timelines for Closing Disclosure
The introduction of the Closing Disclosure Form brought with it new timing requirements for real estate transactions. What is the three-day rule, and how does it impact the closing process?
Under the TILA-RESPA rule, lenders are required to provide the Closing Disclosure Form to borrowers at least three business days before the consummation of the loan. This three-day period allows consumers time to review the final terms and costs associated with their mortgage.
Scenarios Triggering a New Three-Day Waiting Period
- Changes to the loan’s Annual Percentage Rate (APR)
- Changes to the loan product
- Addition of a prepayment penalty
Are all changes to the Closing Disclosure Form subject to the three-day rule? No, only the specific changes listed above require a new three-day review period. Other minor changes can be made without restarting the waiting period, as long as the corrected form is provided at or before the closing.
This three-day rule represents a significant shift in the closing process, emphasizing consumer protection and transparency in mortgage transactions. It allows borrowers ample time to review and understand their financial commitments before finalizing the deal.
Decoding the Closing Disclosure: A Page-by-Page Breakdown
The Closing Disclosure Form contains a wealth of information crucial to understanding your mortgage transaction. How is this information organized, and what can you expect to find on each page?
The Closing Disclosure Form is typically five pages long, with each page serving a specific purpose in outlining the details of your mortgage and associated costs.
Page 1: Transaction Overview
The first page provides a high-level summary of the transaction, including:
- Property address
- Names of the borrower and seller
- Loan amount and interest rate
- Loan term and type
- Projected payments
- Estimated total closing costs
Page 2: Itemized Costs
This page breaks down all the costs associated with the transaction, including:
- Loan costs (origination charges, services you shopped/didn’t shop for)
- Other costs (taxes, government fees, prepaids, initial escrow payment)
- Lender credits
Page 3: Calculating Cash to Close
Page three provides a comparison between the estimated costs from the Loan Estimate and the final costs, helping you understand any changes. It also calculates the total cash needed to close the transaction.
Page 4: Additional Information About This Loan
This page includes details about:
- Loan disclosures
- Escrow account information
- Adjustable payment and interest rate tables (if applicable)
Page 5: Loan Calculations and Other Disclosures
The final page provides:
- Total of payments over the life of the loan
- Finance charge
- Amount financed
- Annual Percentage Rate (APR)
- Total interest percentage
- Various other disclosures and contact information
How can you use this information to your advantage? By carefully reviewing each page of the Closing Disclosure Form, you can ensure that all the terms and costs align with your expectations and the previously provided Loan Estimate. This thorough review allows you to identify any discrepancies or areas of concern before finalizing your mortgage.
Beyond Standard Coverage: Enhanced Title Insurance Policies
While standard title insurance policies offer substantial protection, some homeowners opt for enhanced coverage. What additional benefits do enhanced title insurance policies provide?
Enhanced policies, such as the Eagle policy, offer a broader range of protections that go beyond the standard ALTA policy. These additional coverages can provide peace of mind for homeowners concerned about potential future issues.
Additional Protections in Enhanced Policies
- Post-policy forgery
- Post-policy encroachments
- Post-policy adverse possession
- Building permit and zoning violations
- Expanded access coverage
- Map inconsistencies
Is an enhanced policy worth the additional cost? The answer depends on your specific situation and risk tolerance. For properties with complex histories or in areas with frequent boundary disputes, the extra coverage may prove invaluable.
The Role of Title Insurance in Refinancing
Many homeowners wonder about the necessity of title insurance when refinancing their property. Is a new title insurance policy required for a refinance?
While you may already have an owner’s title insurance policy from your original purchase, most lenders will require a new lender’s policy when refinancing. This is because the new loan creates a new risk for the lender, which needs to be protected.
Key Considerations for Title Insurance in Refinancing
- A new lender’s policy is typically required
- Your existing owner’s policy remains in effect
- The cost for a refinance title policy is often lower than the original policy
- Some title companies offer reissue rates for existing customers
Why is a new title search necessary for a refinance? Even if you’ve owned the property for a short time, new issues could have arisen, such as liens or judgments. A new title search ensures that the lender has up-to-date information about the property’s title status.
Digital Transformations: The Future of Title Insurance
As technology continues to evolve, so does the title insurance industry. What innovations are shaping the future of title insurance?
The digital transformation of the real estate industry is having a significant impact on title insurance processes. From blockchain technology to artificial intelligence, new tools are streamlining and enhancing title searches and policy issuance.
Emerging Technologies in Title Insurance
- Blockchain for secure, transparent property records
- AI-powered title searches for faster, more accurate results
- Digital closing platforms for remote transactions
- Advanced data analytics for risk assessment
How will these technologies benefit consumers? The integration of these technologies promises to reduce costs, speed up transactions, and provide more accurate and comprehensive title searches. This could lead to lower premiums and faster closings for property buyers in the future.
As the real estate landscape continues to evolve, staying informed about changes in title insurance and mortgage disclosure processes is crucial for anyone involved in property transactions. Whether you’re a first-time homebuyer or a seasoned investor, understanding these key aspects of real estate transactions can help you navigate the process with confidence and protect your investment for years to come.
Frequently Asked Questions – Prime Title Group
The answers to many questions buyers have about surveys can be found here, including the process of preparing a survey, and the standards and procedures that must be followed. A guide to understanding how to read a survey is also included in this informational packet.
Title insurance protects the policy owner against loss in the event that the property’s title or legal ownership is something other than insured. It helps ensure that the property owner is assuming clear title for the real estate being purchased. Title insurance is different than other types of insurance in that it offers protection against past occurrences which could result in a claim as opposed to future incidents. Coverage continues for as long as you own the property.
Title insurance is important because it protects you from liabilities that may arise from prior liens or issues with the property from previous owners, thus allowing you to use the property as you wish and sell it or secure loans with it.
Without title insurance, you may be responsible for claims against your property due to errors in public records or title defects. With an owner’s title insurance policy, you are covered against claims and compensated up to the amount of the policy to settle claims.
A title search can uncover liens such as unpaid property taxes, unsatisfied mortgages, judgments against buyers/sellers and any restrictions limiting the use of the parcel of land. However, there are other title defects that do not show up such as fraud, clerical errors, etc., which can also jeopardize your legal ownership.
The cost varies based on the property value. However, you only pay once for the coverage which continues as long as you own the property. If you die, the coverage continues for your heirs. Also, if you sell your property and give warranties of title to the buyer, the coverage would continue. The cost of the policy also varies based on whether you select the ALTA standard policy or the Eagle enhanced policy.
The ALTA standard coverage addresses (but is not limited to): forgery and impersonation; lack of competency or legal authority of a party; inaccurate deeds; undisclosed (but recorded) prior liens; undisclosed (but recorded) easement or use restrictions; erroneous or inadequate legal descriptions; and deed not properly recorded. The Eagle policy covers all of this plus (but is not limited to): claims for adverse possession; deed to land with buildings encroaching on another’s property based on an incorrect survey; mechanic’s or estate tax liens; pre-existing violations; post-policy forgery; and post-policy construction by a neighbor onto insured land.
Effective October 3, 2015, the Closing Disclosure Form (CDF) is the new form used by settlement agents to disclose to the borrower the actual terms and costs of the transaction in relation to the estimated terms and costs outlined on the Loan Estimate Form. The CDF combines and replaces the existing HUD-1 and final TIL (Truth In Lending) disclosure, and therefore not only breaks down all charges associated with the transaction, but also outlines the terms of the loan clearly for the borrower.
The TILA-RESPA rule (the rule finalized by the CFPB with new, integrated mortgage disclosures Under the Truth In Lending Act and the Real Estate Settlement Procedures Act) and accompanying forms apply to most closed-end consumer credit transactions secured by real property. They do not apply to loans made by a person or entity that is not considered a creditor or to the following types of loans:
- Home Equity Lines of Credit (HELOC’s)
- Reverse Mortgages
- Loans secured by a mobile home or dwelling that is not attached to real property
The TILA-RESPA rule imposes a three-business-day waiting period for the consumer to review the CDF. Therefore, the creditor is responsible for providing the CDF to the consumer no later than three business days before consummation. If the form needs to be corrected for one of the following reasons, a new form must be delivered and a new three-business-day waiting period will begin:
- Change to the loan’s APR (Annual Percentage Rate)
- Change to the loan product
- Addition of a prepayment penalty
If there are any other types of changes to the form, the creditor must ensure that the consumer receives the corrected form at or before consummation.
- Page 1 – Discloses general information related to the transaction, such as the property address, borrower and seller names, sales price, and loan amount. Also breaks down the loan terms, projected payments and costs at closing.
- Page 2 – Itemizes all Loan Costs and Other Costs, breaking them down into sections for Origination Charges, Services Borrower Did Not Shop For, Services Borrower Did Shop For, Taxes & Government Fees, Prepaids, Escrow Charges, and Other Charges. If the total number of line items exceeds the amount it can accommodate on one page, this will show as pages 2a and 2b.
- Page 3 – Breaks down the Calculating Cash to Close and compares charges to the amounts provided on the Loan Estimate. This also shows the Summaries of Transactions, which is a breakdown of all borrower and seller debits and credits.
- Page 4 – Discloses additional loan information such as escrowed and non-escrowed property costs, late payment charges, information about partial payments, and the Adjustable Payment and Adjustable Interest Rate tables, if applicable.
- Page 5 – Shows loan calculations, such as the finance charge and the APR, as well as any other loan disclosures that are applicable. Also includes Contact Information for the Lender, Mortgage Broker, Real Estate Brokers, and Settlement Agents.
Prime (rank) – Transformers Wiki
| The name or term “Prime” refers to more than one character or idea. For a list of other meanings, see Prime (disambiguation). |
We are Primus. We are Prima. We are Prime Nova. We are Sentinel Prime. We are Optimus Prime.
Get on it, Hasbro!
Prime is a rank of highest distinction in many Transformers continuities. Typically, it is used as the identification for the leader of the Autobots, something that is bestowed only on those that carry the Matrix of Leadership within them. It is retroactively derived from Primus, the creator of the Transformers.
With the retcon that Primus is one singular entity that exists (and must exist) threaded through (almost) all Transformer continuities, the term Prime is likewise given one singular origin.
It was, first of all, the designation granted by Primus to many of the Thirteen original Transformers created, by his own hand, at the dawn of the physical universe to crew his planetary form.
In universes where the Transformers speak Japanese, the equivalent rank is Convoy.
Contents
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7.2 War for Cybertron video gameFiction
Generation 1 continuity family
Marvel
The Transformers comics
“Prime” did not initially seem to hold any significance as a title or rank.
- Optimus Prime’s Marvel Comics Transformers Universe profile describes his “Optimus” module as his humanoid robot component and his “Prime” module as his small cart-shaped component that is also known as Roller.
- The Decepticons did not know who held the Creation Matrix until Shockwave calculated with 99.7% certainty that it was Optimus Prime.The New Order
- In a flashback to events early in the war, “Optimus Prime” was simply a Lieutenant Commander. The Flames of Boltax!
Nevertheless, “Prime” eventually developed into a title of sorts.
A direct lineage of Creation Matrix bearers was established, each of whom took on a derivation of the name of their god Primus. They were Prima, Prime Nova, Sentinel Prime, Optimus Prime, and Rodimus Prime. However, following the lead of the animated movie, Ultra Magnus briefly bore the Matrix without taking the title of “Prime” in the UK’s future continuity.[1]
The Transformers cartoon
Events from IDW Publishing or Fun Publications books are in italics.
The evidence for “Prime” being a rank here is weaker than elsewhere, but the case can still be made. Though many Matrix-Bearers are seen, and all are by definition Autobot Leaders, only four are ever named; 2 Primes, 2 not: Alpha Trion, Optimus Prime, Ultra Magnus, and Rodimus Prime. Without knowing any other names it is hard to make a concrete case here for “Prime” being a title given only to Matrix-Bearers.
It is of note though that if it were, then “Prime” in this continuity would be a military/political title (since it is the “Matrix of Leadership”), rather than the religious title of the Marvel Comics.
“Prime” is a title/rank similar in use to Marvel Comics. There is a nearly complete linage of Matrix of Leadership bearers taking the rank. They are: Primon, Prima, Prime Nova, Guardian Prime, Zeta Prime, Sentinel Prime, Optimus Prime, Ultra Magnus, and Rodimus Prime. The AllSpark Almanac II
Not all Convoys are Primes (and vice-versa). If you can lead Antroids to a picnic, you’re a Convoy in Japan.
Beast Wars cartoon
Though there was no evidence of a Prime ruling Maximal society, they frequently used the term in their society with phrases such as “Who died and made you Prime?” and the sarcastic utterance of “That’s just Prime“. Beast Wars
Dreamwave
Generation One continuity
This continuity also establishes Prime as designating the leader of the Autobots, but there is some muddled information. The Prime carried within him the Matrix of Leadership, but it appears that the Matrix doesn’t contain the wisdom of past leaders, as that was held on a separate datatrak.
Also, the Prime did not appoint his successor. A new Prime was chosen by the Council of Ancients, supposedly through divine authority.
It’s unknown what powers the Prime shared with the Council of Ancients, but the Primes themselves had several powers. In addition to being commander-in-chief of the Autobot Army, the Prime also had the authority to order a planet wide evacuation. Autobots gave oaths of loyalty to the Prime, and were expected to risk their lives for the Prime’s safety (whether the Prime wanted them to or not). The War Within #1
There are five known Primes in Dreamwave Generation One continuity, listed in More than Meets the Eye #8. These are Alpha Prime, Guardian Prime, Sentinel Prime, Optimus Prime and Rodimus Prime. The list does not specify chronology, and Rodimus Prime never appeared in any actual Dreamwave issues.
2005 IDW continuity
Following the God War and the subsequent departure of the mythological Knights of Cybertron, the next generation of Cybertronians reverted to a state of barbarism, carving up the planet into a series of smaller kingdoms and villages.
From these scattered regions arose the lineage of the Primes—powerful, charismatic Cybertronians that climbed the ranks to become respected leaders. Origin Myths The Crucible It was into this state of affairs that the Decepticon scientist Shockwave arrived, hurled backwards in time from the distant future. Recognizing the political state of Cybertron from his studies into the planet’s ancient history, Shockwave sought to guide history along the preordained course that he knew it must take, all as part of a much grander scheme to ensure the perpetual dominion of the Cybertronian race by building up, and subsequently burning down, every Cybertronian creed and faction. To this end, Shockwave first slew and then impersonated Onyx Prime, adopting his identity and recruiting Megatronus to unify the planet through conquest, The First Who Was Named slaying those Primes, such as Septimus Prime, who history did not record and thus could not survive into the present day. Origin Myths
When Megatronus marched on the Crystal City, “Onyx Prime,” pretending to be one of Megatronus’s victims, rallied the defenders of Crystal City to fight back, and eventually was able to ratify a truce between Megatronus’s Darklanders and the forces of the Crystal City—laying the foundations for the second unification of the planet under the benevolent guidance of the Thirteen.
Origin Myths The First Who Was Named Before long, however, the Primes became spoiled and debauched, believing themselves to be innately superior to other Cybertronians. Origin Myths Soon, they came to believe that only a Prime could kill another Prime, a sentiment that spread to their followers. The Crucible
Encouraged by “Onyx Prime,” the Thirteen began their first attempts at interplanetary colonization by invading the world of Antilla; the conflict ended in a stalemate after an Antillan scientist created a doomsday weapon that destroyed all life on the planet, warping it into a harbringer of death. In the wake of this disaster, Onyx manipulated events so that Megatronus and Liege Maximo would spark the First Cybertronian Civil War, which saw the death of Solus Prime and the imprisonment of Liege Maximo. Heavy The war raged between the tribes for a period and ultimately saw the reign of the Thirteen collapse after Galvatron disproved the myth of a Prime’s immortality by slaughtering Nexus Prime.
The truth revealed, all the remaining Primes save Alpha Trion fled Cybertron afterwards. The Crucible With Alpha’s blessing, Nova Major and Galvatron ended the war, and Nova then took on the title, intending to unite Cybertron under a single Prime. The Crucible
Supposedly, at least some members of the Thirteen left Cybertron aboard the Titans, gigantic living ships that carried Spark-producing hot spots. A ‘Bot and Her City According to legend, thirteen Titans left Cybertron and colonized distant worlds with Transformer life in an attempt to produce a utopic Pax Cybertronia. Aphelion Left to their own devices and cut off from the string of injustices committed by Nova and his successors, the isolated colonies developed religions that deified the Thirteen and their lineage as living gods. The Sum and Its Parts Primeless, Part 2
Nova Prime presided over an era in which the populace believed the Cybertronian race’s destiny was in the stars, and commissioned the first Ark spacecraft.
Spotlight: Optimus Prime The people of Cybertron believed the Ark was for exploration, but Nova’s true goal was aggressive expansionism at the cost of other civilizations. Despite being a Matrix bearer (the exact circumstances of how he acquired the Matrix are unknown) The Divided Self, he was referred to by Omega Supreme as a “false Prime” most likely due to his behaviour betraying the ideals of Primus. Primus: All Good Things Nova was thought lost after he disappeared into the Benzuli Expanse while aboard the Ark. Spotlight: Galvatron
Nova was succeeded by Nominus Prime, who rose to become the leader of a corrupt Cybertron where the ruling elite oppressed the lower citizens whose roles in life were determined by the bodies they were built in. His rule ended when a group within the Senate conspired against him in order to take the power of the Matrix for themselves, Chaos Theory Part 2 only to find that his Matrix was a fake. They quickly had Nominus killed, covered it up and publicly announced that their head of security Sentinel, part of the conspiracy, was showing signs of Matrix affinity.
Post Hoc Unbeknownst to the Senate, “Sentinel” was a false identity constructed by the tiny Titan Master Infinitus, who had served Nexus Prime in ages past and sought to rebuild his master’s brutal hegemony where the strong ruled the weak. White Heat
Thus Sentinel became Sentinel Prime, who during the Clampdown served as the head of the Security Services, the chief law enforcement and military body on Cybertron. However, he stressed that he was ultimately subservient to the will of the Senate who enacted the laws he enforced. Megatron Origin #3 His tenure was a short one, as he was defeated by Megatron during the first Decepticon uprising, Megatron Origin #4 reduced to Infinitus once more, he secretly abandoned his old body and worked to rebuild a new form for himself. Last Light
Zeta Prime rose to power shortly after the deaths of Sentinel and the old Senate, and on the surface looked to be a change in pace from their corrupt regime. Together with his officer Orion Pax he created the Autobots to stand against the Decepticon threat.
Omega’s Conundrum In truth he wasn’t much better than his predecessors, reinstating the Institute Remembrance Day and growing increasingly ruthless in his methods of fighting the Decepticons, no matter what the New Senate had to say or what the common Cybertronian had to go through. Parasites He was destroyed by Megatron after Orion Pax turned against him. Overthrown
Shortly after Zeta’s death, Orion Pax happened upon the real Matrix, which called out to him and transformed him into Optimus Prime, the first Prime in ages to be chosen by the Matrix. Transformation After Cybertron was rendered uninhabitable, Optimus Prime was the apparent highest ranking Autobot, directing the galaxy-spanning conflict to deny the Decepticons conquest of additional planets. In this task, he occasionally sought the guidance of the ancient Autobot and weapon of last resort Omega Supreme. Spotlight: Optimus Prime While he was a fair and wise leader, the lineage of corrupt and militant Primes that preceded him had already tarnished the title of Prime in the eyes of neutral Cybertronians.
Dinobot Hunt With the loss of the Matrix in battle with a creature called the D-Void and the realization that the neutrals saw him as a warmonger and not a leader, Optimus Prime abandoned his title and went back to being Orion Pax once the war was over. The Death of Optimus Prime A battle with Nova Prime and encouragement from Rodimus eventually made him realize the actions of his lineage didn’t define him, causing him to regain his confidence and begin calling himself Optimus Prime again. Finis Temporis
Hot Rod called himself “Rodimus Prime” for a while, a name coined by Swindle in an attempt to appeal to the Autobot’s ego. Seasons in Flight
When Cybertron finally recontacted its former colonies, Optimus Prime travelled to Caminus, where his status as a Matrix bearer prompted bowing when he met the Forgefire Parliament. The Sum and Its Parts The Council of Worlds soon took shape and Prime discovered, much to his displeasure, that almost all of the various colonies saw him in much the same way.
Aphelion Unsure of his place in this rapidly changing postwar world, Prime began leaning on the faith of the colonists’ belief in his infallibility as he used his newfound clout to make several controversial decisions, including the annexation of Earth into Cybertron’s new government. Once Upon a Time on Earth
During this time, Optimus and his forces briefly contended with the reborn Sentinel Prime. Claiming to be the herald of Onyx Prime’s return, he eventually travelled to Luna 1 to raise an undead army of Titans to wipe Cybertron clean. The Last Autobot
Optimus’ terrestrial peacekeeping force was soon joined by a team of young recruits from different colony worlds, who were fanatically devoted to the Prime and began wearing mouthplates in order to better emulate Optimus Prime. To Walk Among the Chosen
However, it soon became clear that the ugly legacy of the Primes was not so easily buried; when “Onyx Prime” returned to Cybertron and was subsequently unmasked as a time-travelling Shockwave, the full scope of his machinations and Unicron’s assault on the galaxy prompted Optimus to wonder if the title of Prime had ever truly meant anything.
A Sunrise Dark When the Autobots and their allies battled Unicron in Earth’s orbit, Optimus finally relinquished the title of Prime for good. Therefore, the last Prime died with the spirit of Unicron’s creator in a final act of atonement. Ceremony Post
Precursor World
In the universe preceding the G1 World, “Prime” (元帥) was the equivalent word for “Marshal”. Two leaders in the Primus Vanguard, Red and Black, held this title, which ranked them above the Convoys (meaning “Commander”) that made up the rest of the leaders. In particular, their respective orders were composed entirely of Convoys or Convoy-adjacent beings. God Neptune comic 1
2019 IDW continuity
The Thirteen Primes walked on Cybertron before their age came to a close. When they faded into legend, the Artifacts of the Primes followed, save the Matrix of Leadership. Continuing to seek out the prophesied Thirteenth Prime, the Matrix bestowed the rank of Prime onto anyone who carried it, though these people were but stewards until it found the Thirteenth.
Prime
Last Bot Standing
During the Great War, Hot Rod ascended to become “Rodimus Prime” but later shed the title to become simply “Rodimus”. When he later introduced himself to Steeljaw’s pack, he attempted to use his status as a former Prime to help them remember him only to learn that the group, despite somewhat remembering Optimus Prime, had forgotten the title’s significance. Last Bot Standing #2
Unicron Trilogy
Prime is indeed a title given to leaders and Matrix-bearers here, as evidenced by both Vector Prime and Optimus Prime, but no other Primes are ever named. In Galaxy Force, Override (Nitro Convoy), Scourge (Flame Convoy), Evac (Live Convoy), and Metroplex (Megalo Convoy) all hold the title of Convoy as leaders of their respective planets, but this scheme does not carry over into the western translation, and so the Prime appellation does not apply. Likewise, in Super Link, the Japanese version of Energon, Rodimus is known as “Rodimus Convoy”, hearkening back to the name of his G1 predecessor.
But again, this does not follow through in Hasbro’s materials.
Interestingly, Vector Prime is not known as Vector Convoy in Japan, but Vector Prime, while Optimus maintains the traditional Convoy title as Galaxy Convoy.
Live-action film series
Main article: Dynasty of Primes
The following has been retconned during the Revenge of the Fallen phase of the film series.
The title of Prime was bestowed upon the civilian and spiritual leader of Cybertron but at the same time, aided the Lord High Protector in stewarding the AllSpark just as the Lord High Protector was co-ruler. Optimus Prime held this title before, during and after the war for the AllSpark as leader of the Autobots. Transformers: Ghosts of Yesterday
According to The Quest For the ALLSPARK paperback’s opening paragraph, “…Most revered were Optimus and Megatron. They were twin brothers of the Prime dynasty.”
This, along with the note from the Autobots version of the same DS game that Megatron “took the spark” of his and Optimus’s father, implies that “Prime” may have been their father’s name and that Megatron may have also had the surname “Prime” as well.
The Primes were ancient Transformers, the first of the race and that the Dynasty of Primes led the race until the Fallen betrayed his brothers and they sacrificed themselves to prevent him from getting the Matrix of Leadership. By 2007, Optimus Prime was the only Prime known to still be alive (no one knew that Sentinel was still alive in the ruins of the Ark on Earth’s Moon) and the only one who could defeat the Fallen as “only a Prime can defeat the Fallen.” The Fallen had him killed by Megatron and tried his original plan to harvest Earth’s sun for Energon, but was killed by the resurrected Optimus with help from Jetfire and thanks to the efforts of Sam Witwicky.
Eventually, the remains of the Ark were discovered on the Moon, along with the body of Sentinel Prime; he was also revived by the Matrix of Leadership like Optimus once was. But Sentinel was revealed to be a traitor, and killed in a battle by Optimus Prime with help from Megatron.
Quintessa claimed to be “the Prime of life” when introducing herself to Optimus but given that she was later called “the Great Deceiver”, the validity of this claim is in question.
Animated continuity family
The title of Prime referred to commanding officers in Autobot society. Though of a higher rank than “Minor”, Autoboot Camp Primes were ultimately subordinate to the “Magnus”, the Supreme Commander of the Autobots. Transform and Roll Out Across all of Autobot society, all Primes were considered equal, one being able to disregard the order of another who was of higher societal status. The Elite Guard
When Optimus was drummed out of the Autobot Academy, Ultra Magnus was able to have Optimus promoted to Prime. Endgame, Part I Sentinel eventually ascended to the Prime rank following graduation. Transform and Roll Out Longarm was likewise promoted to Prime, presumably when he became the head of Cybertron Intelligence. Autoboot Camp
Fun Publications comics
A component of the Prime of Rarified Energon looks at a portrait of his complete self…
It is revealed that the first Thirteen original Transformers created by Primus to crew his planetary form were all designated Primes.
In addition to this designation, each was given a specific task or role in sustaining the multiverse.
Vector Prime was granted guardianship of space-time. The Prime who would become The Fallen was charged to oversee the force of entropy. Another of these Primes was made the guardian of Rarified Energon. Logos Prime and Prima’s specific functions are still unknown.
These Primes are multiversal singularities with only one version of each existing across all realities before Nexus Prime enacted the Shroud and ended multiversal singularities. Out of the One, Many
Shattered Glass
The title of Prime is not an honorary rank but the title of the diabolical leader of the Autobots. Optimus Prime stands as the current Prime. For now. Rodimus, Ultra Magnus or Thunderclash may very well usurp the title and position in the future.
Aligned continuity family
Aligned novels
Following the War of the Original Thirteen Primes, the Covenant of Primus decreed there would only be one Prime ruling Cybertron at a time.
It was technically Primus’s right to appoint the Prime and bestow them the Matrix, but gradually his children became ignorant of his presence. It almost seems Sentinel Prime was the only Prime between the Age of the Primes and Optimus, as he fought off the Quintessons, established the Golden Age and tried to combat its decline by establishing the caste system, to Alpha Trion’s displeasure. Sentinel was unworthy of the Matrix, and the Core said it was only after his death that Optimus could receive it for being a Prime was not a status Trion or the High Council could grant. The civil war began and continues as Megatron and Starscream both sought to be a Prime and bear the Matrix. Exodus
War for Cybertron video game
The Autobot High Council existed to choose the Primes, having seen many fall to their greed and pride. When Zeta Prime died, the High Council declared Optimus as “Optimus Prime”. Transformers: War for Cybertron
Prime cartoon
The Artifacts of the Primes would only activate to a the touch of a Prime as Megatron discovered when he failed to activate the Forge of Solus Prime.
Operation Bumblebee, Part 2
When the Decepticons later discovered the Star Saber, they found that only a Prime could remove it from the mountain it was embedded in. Despite attempting to airlift the mountain away, Optimus Prime managed to claim the Star Saber. Legacy To match the sword’s power, Megatron traveled to Cybertron with Dreadwing to visit a tomb known to hold the remains of a Prime. He severed the arm of the Prime and attached it to his own body to gain control of the Forge of Solus Prime. With the Forge, he crafted the Dark Star Saber. Alpha/Omega
As he prepared to sacrifice himself to restore the AllSpark to the core of Cybertron, Optimus Prime told his team members that, although they may not technically be Primes, he believed that they had each demonstrated the worth of a Prime in the recent conflict against Unicron. Predacons Rising
2015
Robots in Disguise cartoon
The Thirteen Primes had a personal mystic plane of existence known as the Realm of the Primes.
After becoming one with the AllSpark, Optimus Prime trained here in preparation for a coming threat to both Earth and Cybertron. Out of Focus
When the threat, the return of Megatronus, came, Micronus took Optimus to consult the other Primes on their next course of action. Though the other Primes thought that Optimus’s training was not complete, Optimus convinced them to give him their power and send him to Earth to deal with Megatronus immediately. Battlegrounds, Part 1
Cyberverse cartoon
The first Primes were the Thirteen. Dweller In The Depths Following the Thirteen, the rank of Prime was denoted by carrying the Matrix of Leadership. When a Prime passed, their spirit persisted within the Matrix for their successors to consult. The Other One
During the Age of Expansion, Thunderhowl served Onyx Prime The Perfect Decepticon who commanded his warrior to destroy Crystal City. Thunderhowl
In the opening stages of the Great War, Alpha Trion bequeathed the Matrix to his protege Optimus, turning him into Optimus Prime.
Megatron Is My Hero
Notes
- In the UK Marvel Comics continuity story “Space Pirates!”, Rodimus Prime lost control of the Creation Matrix and immediately reverted to “Hot Rod”, apparently losing the rank of Prime along with the Matrix. Optimus Prime, on the other hand, continued to be known as “Prime” during the long stretch of time when the Creation Matrix was lost.
Foreign names
- Japanese: Prime (プライム Puraimu)
- Hungarian: Fővezér (“Supreme Commander”), Prime
References
- ↑ In Target: 2006 part 7, the time-traveling Hot Rod called the 1986 version of Ultra Magnus “Ultra Magnus” even though he mistook him for the future Ultra Magnus who was the current bearer of the Matrix.
See also
- Autobot Commander
- Supreme Commander
- Convoy
- Magnus
30 cars in the fight for the main title of the automotive world :: Autonews
Oddly enough, but the time has come to announce the next batch of candidates for the title of the best car of the year.
To be honest, the choice of the jury in some places looks very contradictory. Some positions are quite worthy of healthy criticism, while others seem completely alien to this celebration of life. Apparently, their appearance is dictated by the need to choose at least someone for extras. In any case, there are thirty nominees so far, and we can analyze this list. It is possible that a little later someone else will be added to it. In any case, this has already happened.
At the moment, there are a couple of leading models that are likely to be in the final three. In general, it is considered honorable to get into the seven, which remains after the first round of voting. It is from these candidates that the best car will be chosen.
adv.rbc.ru
. But this is still far away, because the result will be known only at the end of November, and the coveted seven is determined just shortly before that.
Small hatchbacks are in for some tough competition, with just six of them in this category: Ford Ka, Hyundai i20, Mitsubishi Colt, Suzuki Alto, Toyota iQ and VW Polo.
It is likely that not one representative of the mentioned city cars will appear in the final pool. In general, I would like to assume that the German has the best chances here, who may well aim for the main prize. The VW Polo looks painfully good, and if you multiply this fact by Europe’s love for his older brother, then the assumptions become a reality.
Another clear leader in the sports car class. I really want to mention the BMW Z4 this year. Let’s wish him a place in the top three. Not all utility vehicles win though. Let the luxury get its own. The roadster has a serious competitor, of course, but it is unlikely that it will be able to claim the main prize. With all due respect to the Nissan 370Z, the prize is unlikely to be given to him. Premium in the face of the Porsche Panamera and Mercedes-Benz E-class is also unlikely to reach the top, although one of them may well be in the top seven, it’s not for nothing that Porsche has been so seriously promoted for a whole year.
Among SUVs it is difficult to single out someone in particular. Lexus RX450, KIA Sorento, Land Rover Discovery and Hyundai ix55 – all of them can hardly even count on the final seven. Is that Lexus has a chance to jump on the bandwagon. Here, the related Toyota Urban Cruiser from the class of compact crossovers, which is made up of the Skoda Yeti and Peugeot 3008, has much more opportunities. .
The main surprises are located in class D, where for some reason the SEAT Exeo appeared, for example. What makes this car in the contenders for the title of the best car is not entirely clear. Especially when you consider the fact that he has a platform from the Audi A4. It is hardly worth believing in the victory of Subaru fans, while Toyota Avensis may well get into the final pool. She may not be very good in the photographs, but she looks quite decent in real life.
The COTY competition itself is a joint creation of several European publications that have decided to come together to determine the best car of the year.
This bright event happened back in 1964 year. Since then, the English Autocar, the Italian Auto, the Spanish Autopista, the Dutch Autovisie, the French L’Automobile, the German Stern and the Swedish Vi Bilagare send their representatives to the competition jury. The chosen ones deliberate for a long time, after which a list of seven applicants appears, from which a little later they choose the best car of the year. This year the winner will be announced on November 30th.
Recall that last year the winner was Opel/Vauxhall Insignia, and before that this honorary title was won by FIAT 500 in 2008 and Ford S-MAX in 2007. Agree that the winners took their places quite deservedly, so you can trust this jury. I wonder what choice they will make this year.
European COTY 2010 candidates
Artem Baranovsky
The main student of Fedor Emelianenko will defend the title in a fight with the Cuban wrestling legend.
Forecast of the fight Vadim Nemkov
Denis Akinin
Correspondent
06/16/2023
Vadim Nemkov will face Yoel Romero on June 17 at Bellator 297
MMA fighter Vadim Nemkov defended his Bellator title and answered all questions. Photo: Social networks Bellator MMA
Vadim Nemkov is the main student of Fedor Emelianenko, judging by the results. The Russian is still the Bellator champion and the record holder for title defense in light heavyweight. Now Nemkov must increase his own record by beating the dangerous Cuban with the 2000 Olympic Games medal Yoel Romero.
KP Sport reveals everything you need to know about Vadim Nemkov’s title fight with Yoel Romero at Bellator 297.
When and where will the fight Vadim Nemkov – Yoel Romero take place
The big Bellator 297 tournament will take place in Chicago, Illinois.
The evening of mixed martial arts will be hosted by Winthrust Arena.
The preliminary card fights will start on June 17 at 01:00, and the main card starts at 04:00 Moscow time. The main event of the show – a five-round title fight between Nemkov and Romero – will begin no earlier than 5 am Moscow time.
The result of the fight Vadim Nemkov – Yoel Romero
Vadim Nemkov seems to have already completed the entire Bellator. He became the league champion, defended the belt three times, which is a record for light heavyweights, and earned $ 1 million by defeating Corey Anderson in the Grand Prix final.
The first fight between Nemkov and Anderson was the worst for the Russian. True, he was declared invalid due to a head-on blow. More Nemkov did not make serious mistakes. And his stance has become the benchmark for the entire light heavyweight division.
Now Vadim will have to beat the 46-year-old legend Yoel Romero. In 2000, the Cuban won silver in freestyle wrestling at the Sydney Olympics.
And nine years later he left for MMA. The result – 21 fights, 15 wins, 6 losses. Despite Romero’s age, Nemkov needs to be wary of fighting him. But in general, all the cards are in the hands of the Russian.
Nemkov (right) is the only Russian who owns a championship belt in overseas promotions. Photo: Global Look Press
What to bet on in a fight Vadim Nemkov – Yoel Romero
Vadim Nemkov is the absolute favorite of the upcoming fight. Bookmakers give a very modest odds for his victory – 1.17. Romero’s win is quoted at 5.05.
In addition, the bookmakers are sure that the title fight at Bellator 297 will not reach the final gong. The coefficient for the fact that the fight ends ahead of schedule is 1.74. A victory by knockout of one of the fighters is estimated at 2.13.
Where to watch the fight Vadim Nemkov – Yoel Romero
The main card of the Bellator 297 tournament starts at 04:00 Moscow time, but the tournament will not be broadcast on Russian TV.
