A guaranteed interest rate is offered by universal life, but there is also a chance to earn an interest rate that is higher.
What kind of interest rate does a universal life insurance policy guarantee?
Currently, most policies provide a minimum interest rate for your insurance, which is a guaranteed interest rate between two and three percent (3%). (worst case scenario). In addition, policies include a current interest rate, which is sometimes a significantly greater crediting rate.
The insurer of universal life insurance ensures a minimum rate of return on your investment by offering a guaranteed minimum interest rate. The interest rate return on the accumulated cash value rises if the insurer makes wise investment decisions.
Therefore, A no-lapse guarantee is provided by many universal life insurance policies.
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The inflation rate is the percentage change in the _____ from one year to the next. Deflation is a situation in which the _____ is _____ and the inflation rate is _____.
The inflation rate is the percentage change in the price level from one year to the next. Deflation is a situation in which the price level is falling and the inflation rate is negative.
Inflation is frequently measured in broad terms, such as the general rise in prices or the rise in the cost of living in a country. Inflation is the gradual loss of purchasing power caused by price increases. Overall reduction in level of prices for goods and services is known as deflation. The nominal costs of capital, labor, goods, and services decrease as a result of deflation.
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Answer the following question as it relates to the 2013 Louisiana Residential Agreement to Buy or Sell: The deposit shall be returned to the buyer and the purchase agreement shall be declared null and void for all of the following reasons EXCEPT:
The deposit shall be returned to the buyer and the purchase agreement shall be declared null and void for all of the following reasons EXCEPT The buyer changes his mind about the property.
When a fault is reported by the buyer, the seller has 30 days to fix it or get a closing title insurance policy. Any effort on the part of the seller to resolve a title dispute or get a closing title insurance policy will not be interpreted as an acknowledgment of a problem. Seller's only obligation is to return the Buyer's deposit if, in Seller's judgement, the objection cannot be eliminated or removing it would be unprofitable.
This Agreement shall cease and be void upon receipt by Buyer of the Deposit, and Buyer and Seller shall be relieved and discharged from all further claims and obligations to one another hereunder, with the exception of those that expressly continue beyond the expiration of this Agreement. None of the provisions of this Agreement, regardless of any other term to the contrary, shall obligate Seller to commence any legal action or make any payment, including any payment in excess of $5,000.00, in order to resolve any title issues.
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What category of investors sees syndicate equity financing as a good opportunity?
Small investors sees syndicate equity financing as a good opportunity.
A group of investors known as an equity syndicate decides the price of an equity IPO before it goes public. The equity syndicate determines this price by taking into account a number of variables, including the hedge risk and the company's financial situation. Any equity syndicate has a relatively small membership, which is often made up of senior investment bank personnel.
Equity syndicates conduct the majority of their own hiring through lateral hires and recommendations from friends and family. In general, one needs to have a lot of experience in corporate finance and ECM to join the equity syndicate. According to estimates, there are probably fewer than 100 people who belong to equity syndicates globally.
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Having bureaucratic leaders directly elected by the people is the easiest way to make them _____.
The bureaucrates directly elected by the people in any case make them judiciary to take and implement several decisions.
They exist to perform various unctions of people matters and administration making the law more effective and efficient. They are heart and soul of the organisation contemplating and analyzing all the rules.
If it is directly elected with the public leaders as it is easier both or the government to make decisions and implement policies and procedures in easiest way.
Performing of the duties can be done through executive and legislature also but judiciary comes in order or legal rules and regulations through bureaucratic manner.
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In this discussion, analyze and discuss a case where company a claims its network was compromised by a connection from company b network. How should both companies proceed? who should be involved?
It seems to be a case of a network breach and hence it must be diagnosed by computer forensic experts. Both companies must agree to a Computer Forensic investigation into the matter. As far as Computer Forensic investigations are considered, they can be either public or private. Public investigations are conducted by the government while Private investigations are conducted by private Computer Forensic agencies. If the company is a private organization then it must go for a private investigation and if it is a government organization then it must go for a Public investigation. The investigation will be conducted as per the four principles of forensic investigation laid down by the Association of Chief Police Officers.
Management Discussion and Analysis (MD & A) is a section of public company annual reports or quarterly filings. MD & A examines the company's performance. In this section, the company's management and executives, also known as the C Suite, analyze the company's performance using qualitative and quantitative indicators.
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True or false: Networking uses technology, such as a company intranet, to link organizations and their suppliers to allow them to work together for a common goal. True false question. True
Answer: True
Explanation:
How were the common people affected by the surplus?
The common people affected by the surplus:
The common people were affected by this surplus by being put into cities rather than their property on the farm. This separated families because the men, women, and children were all working long days at the factories rather than the family dynamic that they had when working on the farm together.
The definition of surplus is something this is in excess of what you need. An example of surplus goods is gadgets you do not need and haven't any use for. An instance of surplus cash is money left over after you have got paid all of your payments.
A budget surplus occurs while government brings in extra from taxation than it spends. finances surpluses aren't always beneficial as they could create deflation and monetary growth. finances surpluses aren't always terrible or right, but extended intervals of surpluses or deficits can cause vast problems.
Army surplus is goods, typically matériel, which can be offered or in any other case disposed of when now not needed by the military. marketers often buy these goods and resell them at surplus shops.
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When should you establish objectives for a risk management plan?
You establish objectives for a risk management plan long before you allocate any capital.
In order to reduce, monitor, and control the likelihood or impact of unpleasant events or to optimize the realization of possibilities, risk management involves the identification, evaluation, and prioritizing of risks. This is followed by the coordinated and efficient use of resources.
The process of discovering, evaluating, and controlling risks to an organization's resources and profits is known as risk management. These dangers can be caused by a number of things, such as monetary unpredictability, legal responsibilities, technological problems, strategic management blunders, accidents, and natural calamities.
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We should establish objectives for a risk management plan establishing when clear goals and risk factors for a potential investment are early on, and striving to achieve those goals and reduce or eliminate risk factors, can help you come up with new strategies on the fly when investment problems arise. It is almost always financially wiser than adopting.
As a management process, risk management takes a proactive and structured approach to identify and avoid the potential cost, schedule, and performance/technical risks to a system and manage negative outcomes, It is used to address them and identify potential opportunities as they arise. may be hidden in the situation
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If the demand for product x is inelastic, a 15 percent decrease in the price of x will:____.
If the demand for product x is inelastic, a 15 percent decrease in the price of x will: Reduce by more than 15 percent the amount of X that is being requested. Reduce by less than 15 percent the amount of X that is being requested.
This is further explained below.
What is the inelastic market?Generally, An economic concept known as inelastic refers to an item or service's static quantity when its price varies. When a product's price increases or decreases, customers' purchasing patterns are said to be inelastic, which indicates that neither change affects the other.
In conclusion,If there is no elasticity in the demand for product x, then a price reduction of 15% for product x will have the following effects: The quantity of X that is being requested should be decreased by more than 15 percent. The quantity of X that is being sought should be decreased by more than 10 but less than 15 percent.
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Journal entries based on the bank reconciliation are required in the company's accounts for?
Journal entries based on the bank reconciliation are required in the company's accounts for additions to the balance according to the company's records and deductions from the balance according to the company's records and as well as for book errors.
When there are changes to the balance according to the books, a bank reconciliation needs journal entries.
These adjustments are the result of things that were on the bank statement but were not reflected in the general ledger accounts of the business.
The following are examples of common adjustments to the balance per books:
bank fees or service costs for keeping the account, fees for executing wire transfers, printing checks, and so forth, accrued bank interest, Paying back loans, Electronic payments or charges made by suppliers and others and Previously deposited customer cheques that are now being returned due to insufficient money.
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state courts have ruled that companies can be held liable for __________ if they fail to do adequate background checks. a. deceptive interviewing b. negligent hiring c. over recruiting d. staff inflation
The correct option is (b) negligent hiring.
State courts have ruled that companies can be held liable for negligent hiring if they fail to do adequate background checks.
What is negligent hiring doctrine?According to the doctrine of negligent hiring, a company is responsible for any injury its workers do to third parties if they knew or should have known that the employee posed a danger of doing so, or if a reasonable investigation would have revealed the risk.
The causes of negligence hiring are-
Whether the employee's unfitness was the cause of the injuries that resulted Whether the employer knew or should have known (had the employer used ordinary care) of the employee's unfitness at the time of employment. Each state has a different liability standard.An employer be concerned about negligent hiring and retention because-
An employer may be liable for real injuries, pain and suffering, and even punitive damages if they fail to discipline an employee who poses a danger of injury to coworkers, clients, and others.The company may be held liable if these employees go on to commit careless or reckless conduct that could endanger others.The elements of a negligent retention claim include all of the following:
An affiliation with a company.The employee's lack of expertise.The employer may have had actual or constructive awareness of the ineptitude.An employee's action or inaction that resulted in the plaintiff's injuries.To know more about the negligent hiring with example, here
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Also, national saving is the income of the nation that is left after paying for . Therefore, national saving (S) is defined as:
Also, national saving is the income of the nation that is left after paying. Therefore, national saving (S) is defined as National saving is the nation's income that is left after paying for current consumption and government purchases, that is: S = Y-C-G
How is national wealth linked to national saving?
The difference between private national wealth and government wealth is known as national saving. A nation's physical assets domestically plus its net overseas assets make up its national wealth.
Why is saving important to the economy?
All other things being equal, a higher personal saving rate will eventually translate into a larger level of physical capital, enabling the economy to create more goods and services. Personal saving also adds to investment.
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Under the theory of purchasing power parity, an increase in the U.S. price level of 10% relative to the Japanese price level will result in
Under the purchasing power parity theory, an increase in the U.S. price level of 10% relative to the Japanese price level will result in a 10% appreciation of the yen.
Rising US price levels mean that the value of the dollar has fallen. It means there will be an appreciation of the yen.
Purchasing power parity theory means that the prices of goods after currency exchange will be the same in each country. For example, if the price of Coca-Cola is 100 pence in the UK and $ 1.50 in the US, then according to PPP theory (US price divided by UK price), the GBP / USD exchange rate will be 1.50.
PPP is a currency conversion rate that equalizes the purchasing power of different currencies by eliminating price level differences between countries.
The base commodity PPP for each economic pair can be calculated directly by taking the geometric mean of the relative prices of the two rice varieties. A side-by-side comparison. PPP between economy B and A can be calculated indirectly: PPP C/A × PPP B/C = PPP B/A.
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A coca-cola ad that highlights the firm's growing use of recyclable materials and other investments in sustainability is an example of __________.
A coca- cola ad that highlights the firm's growing use of recyclable materials and other investments in sustainability is an example of institutional advertising.
Institutional advertising is described as promotional activities which are used to improve the reputation of brand, and also build a positive image of a brand, or in order to encourage the support of a specific brand or organization.
Institutional advertising is different from other forms of advertising as it is not used to sell a specific product or service.
Institutional advertising is used to promote the brand or organization itself so that a sense of trust or respect can be created. The goal of institutional advertising is just to get the viewers to know about the brand in a very positive way .
When institutional advertising is implemented, a target group is determined. For this a proper message and a proper method of communication is also required.
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The famous Oreo cookie has added to its brand. The Oreo company now sells piecrusts, ice cream cones, and cookie dough. Now Oreo can compete more broadly in the industry because of its _______.
The famous Oreo cookie has added to its brand. The Oreo company now sells piecrusts, ice cream cones, and cookie dough. Now Oreo can compete more broadly in the industry because of its product line extension.
What is Product Line Extension?
The product lines are characterized as a marketing strategy used by companies with the objective of gaining market and increasing sales of products through current and new consumers.
This strategy occurs when a company makes available on the market a group of differentiated products sold by the same brand, but with different features and benefits to meet the needs of different types of target audience. The expansion of the product line is an effective strategy to increase brand value and customer loyalty, since there is a greater likelihood of consumers returning to consume a brand they admire and have had good experiences in previous purchases.
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A recession within a nation will _________ imports directly, but the impact on the national economy is negative.
A recession within a nation will reduce imports directly, but the impact on the national economy is negative.
Monetary policy. monetary policy consists of the steps the central bank of a nation can take in order to regulate the nation's money supply. For example, a central bank might reduce interest rates during a recession in order to make loans more readily available to other banks and thus stimulate economic recovery.
During a recession, the economic struggles, people lose work, companies make fewer sales, and the country's overall economic output decline. The point at which the financial system officially falls right into a recession relies upon an expansion of things.
Monetary policy can offset a downturn due to the fact that decreased interest rates reduce consumers' cost of borrowing to shop for large-ticket objects such as cars or homes. For firms, the economic policy also can reduce the value of an investment.
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The returns of ABC Company and the market are listed below. Compute the beta for ABC Company stock (Hint: Think rise over run). Round your answer to two decimal places of a whole number, e.g., x.xx. Year ABC Market 2018 13% 22% 2019 18% 28% 2020 8% 16%
Beta = Covariance/Variance where: Covariance=A measure of an investment's return in relation to the market Variance is a measurement of how the market deviates from its mean.
Compute the beta for ABC Company stock ?
The standard deviation of returns for the asset could be divided by the standard deviation of returns for the benchmark to determine beta. The correlation between the security's returns and the benchmark's returns of 32.21 percent is multiplied to arrive at the final number.
Given that AAPL's beta of 0.6035 suggests the stock theoretically experiences 40 percent less volatility than SPY, AAPL would be regarded as being less volatile than SPY in this situation.
A stock with a beta greater than 1.0 fluctuates more than the market over time. A stock's beta is less than 1.0 if it moves less than the market. High-beta equities typically carry higher risks but also have a bigger potential reward. Although they carry less risk, low-beta equities often offer lesser returns.
Because of this, beta is frequently employed as a risk-reward ratio, which aids investors in deciding how much risk they are ready to accept in order to reap the potential rewards. It's crucial to take stock price volatility into account when determining risk. Beta is a useful proximate for risk if you view of risk as the likelihood that a stock would depreciate in value.
Beta = Covariance/Variance where: Covariance=A measure of an investment's return in relation to the market Variance is a measurement of how the market deviates from its mean.
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If output = 1,500 when planned aggregate expenditure = 1,200, the unplanned change in inventories will be ________ and output will ________ to adjust to the disequilibrium.
If output = 1,500 when planned aggregate expenditure = 1,200, the unplanned change in inventories will be positive and output will decrease to adjust to the disequilibrium. Planned expenditure is provided via the Aggregate Expenditure function (AE).
In a contemporary industrial economy, actual output and income could deviate from projections, either in terms of output or in terms of purchases and sales. Plans in some areas of the economy have not been achieved, and there is an incentive to adjust production, if planned expenditure (AE) and GDP are not the same. However, when planned expenditure and actual output are equal, the plans for both are successful.
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The cost object in a job order system is the ______ and the cost object in a process costing system is the ______. Multiple choice question. process; specific job process; department job; process or department department; process
The cost object in a job order system is the Specific Job and the cost object in a process costing system is the Process.
What Is Process Costing?
With process costing, companies determine item cost by tracking the cost of each stage in the production process, instead of tracking costs for each individual item. After adding up the cost of all the steps in the process, they divide the total cost by the number of items. This is called the cost per unit.
For example, a paper company might track the cost of each stage in the process of turning wood pulp into reams of paper, then divide the total cost by the number of reams to get the cost per ream.
What is Job Order Costing?Job order costing accumulates all costs associated with one specific job, order, or project. It is most often used for customized jobs with easily traceable costs. The job, order, or project is the cost object in job order costing. Direct materials and direct labor are traced to the individual job and manufacturing overhead is allocated to the job based on a given cost driver activity used for the job multiplied by an overhead rate. The overhead rate is found at the beginning of the period using estimated overhead costs and estimated total cost driver activity.
For example, a company manufactures custom prefabricated stairs for builders. Since each house is slightly different, each house gets measured, and each staircase has slightly different widths, rises, and runs to fit the unique home.
Hence, Job order costing is a costing system in which each product or job has traceable costs. Process costing is a costing system in which a product is mass produced, so costs are determined by equivalent units produced.
Therefore , we can conclude that the correct option is specific job, process.
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The time lag for monetary policy is typically ________________ the time lag for fiscal policy.
The time lag for monetary policy is typically shorter than the time lag for fiscal policy.
What is Monetary or Fiscal Policy Time Lag?Monetary policy changes normally take a certain amount of time to have an effect on the economy. The time lag could span anywhere from nine months up to two years.
Fiscal policy and its effects on output have a shorter time lag. When monetary policy attempts to stimulate the economy by lowering interest rates, it may take up to 18 months for evidence of any improvement in economic conditions to show up. Additionally, if the government changes its fiscal policy and chooses to increase spending, for example, the fiscal stimulus may still take several months to have any effect on the economy.
Therefore, we can conclude that the correct option is A.
Your question is incomplete, but most probably your full question was:
The time lag for monetary policy is typically ________________ the time lag for fiscal policy. Select one:
a. shorter than
b. longer than
c. about the same as
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On August 1, Kim Company accepted a 90-day note receivable as payment for services provided to Hsu Company. The terms of the note were $20,000 face value and 6% interest. On October 30, the journal entry to record the collection of the note should include a
journal entry to record the collection of the note would be:
debit to Notes Receivable for $20,000
credit to Notes Receivable for $20,300
debit to Interest Receivable for $300
*credit to Interest Revenue for $300
More about journal entry:
A journal entry is a record of a business transaction in an organization's accounting system. Journal entries are the foundation of the double-entry accounting method, which has been used to keep financial records for centuries. They allow a company to track what its resources have been used for and where those resources came from.
More about Notes Receivable:
Amounts owed by customers for which a formal credit agreement has been written and signed Typically used when payment is not expected for more than 60 days. A formal credit account requiring interest is sometimes used to settle an account receivable. Depending on the term of the note, it can be a current or noncurrent asset. The borrower on a note is referred to as the "Maker." The "payee" is the party making the loan.
Interest Receivable:
It is the interest earned by the company, but not yet collected in cash.
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An increase in the government's budget surplus will cause the interest rate to: either increase or decrease. remain the same. increase. decrease.
Answer:Decrease
Explanation:
In applying the lower of cost or market method to lifo inventory costing market is defined as_______.
In applying the lower cost or market method to LIFO inventory costing market is defined as replacement cost.
The Last-In, First-Out (LIFO) approach is predicated on the idea that the most recent or most recent unit to enter inventory gets sold first.
For many businesses, LIFO is not feasible because they wouldn't keep their older inventory sitting around in stock.
Since LIFO values COGS (Cost of Goods SOld) using the most recent inventory received, the remaining inventory may be severely dated or out of date.
Because the valuation is substantially lower than the cost of inventory items today, LIFO does not provide an accurate or up-to-date value of inventory.
When valuing inventory, many businesses may claim that they employ the "lower of cost or market."
This implies that, in the event that inventory values fell, their valuations would instead reflect market value (or replacement cost) as opposed to LIFO, FIFO, or average cost.
Hence, In applying the lower of cost or market method to LIFO inventory costing market is defined as replacement cost.
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A principal has a duty to pay an agent in a timely manner under the customary compensation for services rendered.
a. true
b. false
It is true that principal has a duty to pay an agent in a timely manner under the customary compensation for services rendered.
What is Principal Agent Relationship?This is when two parties have agreed that an agent will act on behalf of the principal in negotiating and transacting business with third parties.
With regards to compensation, when a principal requests certain services from an agent, the principal has a duty to pay the agent, in a timely manner, for those services rendered.
Some of the duties of principal to its agent are:
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For each price in the following table, calculate the firm's optimal quantity of units to produce, and determine the profit or loss if it produces at that quantity, using the data from the graph to identify its total variable cost. Assume that if the firm is indifferent between producing and shutting down, it will produce
Total variable cost is -44000 ,0, 244000.
TR = P * Q
TC = FC + VC
Profit = TR - TC
Price Q TR FC VC
10 6000 6000 * 10 = 60000 44000 =10 * 6000 = 60000
16 8000 16 * 8000 = 128000 44000 =10.5 * 8000 = 84000
40 12000 40 * 12000 = 480000 44000 =16*12000 = 192000
Profit
-44000
0
244000.
The main goal of a perfect competitor to maximize profits is to calculate the optimum production level where marginal cost (MC) = market price (P). As shown in the graph above, the point of profit maximization is where the MC intersects the MR or P.
This is the output when the marginal revenue from the last sold unit is equal to the marginal cost to produce it.
In order to maximize profits, companies need to produce in a place where marginal revenue and marginal cost are equal. The company's marginal production cost is $ 20 per unit. If the company produces 4 units, its marginal revenue is $ 20. Therefore, the company needs to produce 4 production units.
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An example of _____ is causing panic selling by telling people that value in a neighborhood will decline due to the purchase of homes by minorities.
An example of blockbusting is causing panic selling by telling people that value in a neighborhood will decline due to the purchase of homes by minorities.
What is blockbusting?blockbusting can be regarded as the act of profiteering through inducing property owners to sell hastily which do occur at a loss by appeals to fears of depressed values.
In this case, An example of blockbusting is causing panic selling by telling people that value in a neighborhood will decline due to the purchase of homes by minorities.
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In 2009, the national center for statistics and analysis estimates alcohol was involved in _____ of fatal crashes.
Answer:
The answer to your question is 42%
Explanation:
In 2009, the national center for statistics and analysis estimates alcohol was involved in 42% of fatal crashes.
I hope this helps and have a good day!
What does it mean to invest your own risk?
The effect of the declaration of a cash dividend on a company's financial statements is to:_______
The effect of the declaration of a cash dividend on a company's financial statements is to decrease both stockholders' equity and total assets.
What are cash dividends?Dividends are cash payments made to the stockholders of a public company. Stockholders are individuals who purchase shares in a public company.
Dividends are paid with cash, thus, the assets of a company would decline. Since assets is positively related to stockholders equity, stock holder's equity would also decline.
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For pdp medication home delivery, the ____ plan will continue to offer a discount for 90-day tier 2, tier 3 and tier 6 prescriptions.
For pdp medication home delivery, the Medicare part D plan will continue to offer a discount for 90-day tier 2, tier 3 and tier 6 prescriptions.
What is Medicare?Medicare can be defined as a medical insurance coverage that help to cover the medical costs of those people under the plan.
Therefore, For prescription drug plan medication home delivery, the Medicare part D plan will continue to offer a 90-day tier 2, tier 3 and tier 6 prescriptions discount.
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