Subject: Your adjusted payment (Home)

From: Reduce Home Payment <[email-masked]>
Date: Mon, 07 Jul 2014 09:43:54 -0700

Hello 

--Your 2014 H.A.R.P Eligibility Verification--
Announced by Obama (July 2014)

Verifying your eligibility you could reduce your payment significantly.

Your exact monthly savings can be seen: (1 minute check)
http://www.thicknessoval.com/housing-administration/us/54643634/hud-y.html

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Obama's | HARP 2.0
Current Low Rate: 2.99% Fixed
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Regards,
U.S. Housing
Loan Officer

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This program is put in place and extended on June 2014.

Thank You

=`=

Java is always pass-by-value. The difficult thing can be to understand that Java passes objects as references and those references are passed.

It goes like this:

public void foo(Dog d) {
  d.getName().equals("Max"); // true
  d = new Dog("Fifi");
  d.getName().equals("Fifi"); // true
}

Dog aDog = new Dog("Max");
foo(aDog);
aDog.getName().equals("Max"); // true
In this example aDog.getName() will still return "Max"
"". d is not overwritten in the function as the object reference is passed.