A hybrid electromechanical transmission includes first, second and third planetary gear sets, an input member, an output member, and first and second motor generators. In certain circumstances, a reverse mortgage is beneficial to military personnel being deployed, or other customers experiencing financial hardship. The hook end further comprises a compound curve projecting in the same direction from the bar shank member as the pry end enabling an increased user throw and ergonomic comfort. A first photoresist mask exposes the barrierseed layer where this layer overlies and is adjacent to the contact pad.