Update Your Offices into the 21st Century

It seems that we live in a world of ever-changing technology. It appears new advances are made almost daily in different professions. Twenty years ago would we have guessed that operations could be performed by instruments controlled by computers? Would we have thought that there was a chance at self-driving cars? We have enhanced HD screens that offer 3D and virtual reality. We literally have more technology in our phone than the astronauts did on their first trip to the moon.

Office furniture though, it has been progressing at a much slower pace. With all the advancements in technology, it has taken much longer for the furniture providers to catch up with the technical side. However, there are finally companies out there providing some much needed variances of the standard desk and chair. But not only that, they offer much more than the basics. There is a computer console furniture provider that provides ergonomic and long-lasting solutions to meet your needs.

What They Offer

Personal computers were introduced almost thirty years ago to many businesses and schools. Since then, the big boxy desktop computers have been replaced by mobile laptops and tablets. At each person’s desk up until recently was a chair, a phone, and the actual immobile desk for the person to work at. Also there were phone cords, USB cables, a cord for the mouse, and the cords going to the outlet. It was usually a tangled mess. All that has changed now.

For one thing, quite a few businesses are tossing away their landline phones. With the available apps and programs, there are other ways to converse without having to use an actual landline phone. Email, chat programs, and videoconferencing all have made using an actual landline phone almost obsolete. In fact, most people would rather receive an email on a subject rather than a phone call. All of this can be taken care of through their computer currently. Plus, the laptops and tablets add mobility that was not there previously with the large desktop computers.

The office furniture now is built around technology as well. There are USB ports in the armrests and the tops of the desks. There are outlets built right into the furniture, too, so there is not a need for ten foot power cords any longer.

Getting out of the cubicle is the first step to a happier office. Not only are the chairs ergonomically built with adjustable heights, but the desks are, too. Desks that you can sit at or stand at with a quick adjustment will make everyone happier. Plus, with the obesity rate around forty percent, having people stand at their desks will burn a few extra calories everyday.

More common in today’s offices are quiet spaces for distraction free working and collaborative areas in plug-in conference rooms. Instead of all chairs in the room, there are often couches as well. Plus, with the use of projectors and Smartboards, anyone can display their information for the group to see. No longer are things presented on poster boards where the person has to get in the room an hour early to set everything up ahead of time.

The times are quickly changing. It will be interesting to see how much further the office space changes in the near future. Soon enough, we will have virtual 3D screens like the ones seen in movies. It is up to the office furniture providers to stay one step ahead of the crowd in developing newer innovations before everyone else. Designs that are not only comfortable, but also incorporate the use of technology that future offices will be using.

Where to Buy Properties in Canada

Though Canada has a very similar lifestyle and quality of life as in the United States, the real estate market there is much more stable. The Canadian real estate market didn’t experience the crash that the States experienced, and in the last few years, has gone up in value, making great returns for those who invested. It’s difficult to generalize the entire country’s market, so we have broken it up into cities that might be interesting for potential American investor.

Toronto

No, it’s not the capital of Canada, but it is its biggest city, boasting a population of 2.8 million, and a thriving real estate economy. Prices have grown dramatically in the last few years, making it difficult for many to afford. However, Canada has learned from its southern neighbor and has been careful with financing options, avoiding the “bubble”. Instead, think of this high value market as a “play big, win big” opportunity. With Lester B. Pearson International airport, Toronto is a global city that is well linked with the rest of the world.

Montreal

The closest you are going to get to Europe on the North American continent, this cosmopolitan center is a great place to own a property. There are a range of options, from houses to stacked townhouses. Find condos for sale in Dorval near urban amenities and green spaces, perfect for working individuals as well as families with kids. You could invest in a long-term rental here, as well as other options, as this is a thriving city with plenty of tourists, conferences, etc.

Vancouver

Dramatic landscapes, mild weather, liveable communities all sound like one amazing Canadian city: Vancouver. “Vancity” as it is known, has been an investors’ darling – high, growing prices as this metropolis gains more and more momentum and desirability. Though the point of entry is sky high, we don’t foresee the prices dropping, and besides – who doesn’t want to own property here? Some say it’s as close as you get to utopia in North America.

Windsor

The city bordering with Detroit shares a river but none of its recent problems. Low real estate prices makes this a desirable investment opportunity as it is easy to enter, yet the prices have been on an upward turn. Many like Windsor for its long summer with balmy weather and the opportunity to play in Detroit while live in more family-centered Windsor. Traveling back and forth to the States is very approachable and easy, as there is both a bridge and a tunnel that connects these two cities. Furthermore, there is some beautiful countryside just outside of Windsor, full of wineries, fruit farms, and amazing views of Lake Erie. Truly a retiree’s dream.

Cornwall

If you really don’t have a lot of cash to invest, Cornwall could be just what you are looking. You can find a great deal on spacious homes in this small city, once again close to the US border. It’s a beautiful municipality on the St. Lawrence River and close to the major cities of Ottawa and Montreal. If big cities are overwhelming to you and all you want is a quiet town that still has all the essentials of the city, Cornwall could be the place for you.

There are many different places that you could be interested in buying properties in Canada. Depending on your budget and what your long-term goals are, it might be worth talking to an international property specialist who will have a more focused approach and will able to help you with the paperwork required in an international purchase. Buying abroad might seem complicated and exotic right now, but when it’s Canada, you know that it is a safe bet, perhaps even safer than at home.

The Ins & Outs of Online Trading Courses

When you are stuck in a dead-end cubicle job, you are looking for any viable way out. Enrolling in online trading courses is key to becoming a profitable day trader, which can give you the financial freedom to say goodbye to the office job that you never loved.

With Warrior Trading you can enroll in day trading courses that put you onto an accelerated path that can bring you to a viable level of profitability, without taking up too much of your time. The key is being able to absorb and understand the Warrior strategies of momentums day trading, swing trading and penny stocks trading.

When you enroll in day trading classes, you need to understand how much time and effort is required. Although these classes are laid out in an informative and accessible manner, this is no get rich quick scheme. You need to be able to follow along and put the work in to be a successful day trader.

When you join up with Warrior Trading, the basic classes will teach you the basics of day trading strategies, the techniques to make sure you are squeezing the most profits out of hot stocks, how to find those winning stocks in the first place and how to read and understand charts. Reading advanced chars is an essential part of being a day trader. You want to be able to see the candles and the highs and lows of each stock.

One of the best parts about joining Warrior Trading is that you are joining a community. Day trading can be a lonely and isolating business. Being in a daily chat room with other day traders and learning and understanding what the veteran traders are doing on a daily basis can be an invaluable edge to your education.

While being an independent day trader is a great way to have a flexible job, free from the demands and stresses of a petty workplace, it helps to have a group that shares your goals, fears, hopes and dreams. You can relate to the other traders in Warrior Trading’s chat room.

When you delve into Warrior Trading’s online trading courses, the details of these strategies will be fully fleshed out in an accessible manner. Beginning traders need a low bar in order to start racking up wins and gaining confidence. That is one of the keys to being successful in any endeavor, not only day trading.

When you want to learn more about online trading classes, check out Warrior Trading on Facebook.

4 Ways a Career in Accountancy Could Send You into Early Retirement

Not all accountants make an enormous success of their careers and some end up struggling to pay their financial way during the latter stages of life. However, there are accountants who are very wealthy thanks to their career choices and there’s no reason why you can’t follow them. Have a look at some of the below ways a career in accountancy could send you into an early retirement.

1.      Demand for Accountants Is High

While not all qualified accountants get the early retirement option, there are many opportunities available in accountancy and many of them offer excellent salaries. For example, the median salary of an accountant could be upwards of $115,000 depending on the sector you work in. There are also thousands of opportunities in different industries.

Many people prefer working as clerks within banking institutes, whereas others would rather work in payroll. The world is your oyster as an accountant – pick the right path and you’ll often be well looked after with an excellent salary package.

2.      Many Career Opportunities That Open Higher Salary Prospects

You will be presented with many career opportunities as an accountant. You could spend your years working for a small firm in a tiny office or you could find yourself working for one of the biggest firms in New York. However, you’re not just limited to those options. As an accountant, you could find yourself working for a global business and end up with the pay packet you’ve always dreamed of.

3.      Your Own Business Opportunities

Once you have gained the necessary online bachelors degree in accounting using one of the accounting degree online programs, you’ll find your career opportunities will come thick and fast. However, once you have gained plenty of accountancy experience working for one of the top firms, there’s no reason why you shouldn’t decide to start your own firm – this is where all the money is if you want to retire early. Granted, accountant businesses don’t always work out, but it’s one of those risks worth taking in life, especially because of the benefits you’ll be entitled to.

4.      US Pension Benefits

If you opted to work for a big firm in the US, you’ll find the salary packages are excellent. These usually include good pension benefits, so when it is time to retire you’ll be well compensated for the challenging work and your years of commitment to the world of accountancy. Usually, these pensions aren’t gold mines, but they do often provide many people with early retirement benefits. Pensions also vary from state to state so be sure to look at your contract to see what pension benefits you’re entitled to in the future.

It’s up to you what path you choose to undertake as an accountant and it depends on how hard you’re willing to work for an early retirement. However, if you’re dedicated to the cause, there will be many opportunities for you during a long accountancy career that could allow you to take early retirement.

How-to Earn a Few Bucks (while Unemployed)

Relying on unemployment benefits while you’re on the hunt for a new job may not cut it.

It’s probably crossed your mind to pick up some side-gigs or part-time work. You’ve already checked your unemployment eligibility and started receiving the support. Good on you. Yet, bills still need to be paid and you’re itching to do something other than wallow in self-pity around the house.

Before you go about doing that:

·  Working a job that has you filing a 1099 may affect your benefits

·  You must report any income you earn during the time you’re earning benefits

·  Many states remove benefits if you go over 30 hours a week

·  Most states won’t allow you to go over your weekly benefit amount

It’s important that you check with the unemployment office before you take on any part-time or contract position while you’re collecting unemployment.

Let’s talk about ways to earn a few bucks while unemployed now that we got that out of the way.

Basic Services/Gigs

Basic services & gigs are what I’d say to be what anyone can do without much experience:

·  House cleaning

·  Dog walking

·  Babysitting

·  Washing cars

·  Clean pools

·  Moving

·  Mowing lawns

·  Driving

The type of jobs you may have had as a teenager. These jobs aren’t going to pay a lot but with enough of them you’ll be able to pay some of the basic bills. Plus, the majority will pay in cash.

Nowadays it’s easy to find these gigs on your phone or online:

·  Apps: TaskRabbit, FieldAgent, Uber or Lyft

·  Website: FB job groups, Fiverr, Rover, Care.com

No doubt you have a skill you could offer to earn a few bucks each day.

Selling & Flipping

We all know about Amazon, Ebay, and Craigslist.

These are great platforms to unload unneeded stuff to earn a few bucks. The payment processing may take a few days so take that into consideration. For faster cash you could always pawn the items, using an FB buy, sell, trade group, or use apps like LetGo or OfferUp.

Can’t let your stuff go? Try flipping.

This is where it gets fun (and you learn a good negotiation skills which could help in the job hunt). The platforms are the same as above but in this case, you spend money to make money. Sometimes you can find items for free, too.

This has been success for me – I’m sure it would be the same for you:

1.  Browse through the selling apps and sites and look for furniture (tables, chairs, etc.)

2.  Negotiate a lower price (try to not spend more than $20-$40 on an item)

3.  Pick it up and bring it home

4.  Use a sander to strip the old finish

5.  Go on Pinterest and other design boards to get decoration ideas

6.  Repaint or add a nice finish to these pieces – giving them a proper update

7.  Relist them on the apps or sites at a profit

You could do this with clothes, electronics, and all type of stuff – develop a good eye for deals and you’ll be making bank!

Micro Work

Just because you’re not at a stable position doesn’t mean you can’t earn a few bucks with your skills:

·  Talk with the former employer to see if they’ll throw small tasks your way as if you were a freelance professional. It takes a while to find someone to replace your position. If you’re still on good terms it’s worth the shot.

·  Get in touch with website owners or small businesses to offer consulting in your topic of expertise. This helps their business, you’ll get a kick back, and it may turn into a job if they want to keep you on board.

Don’t squabble your skills while you’re at the job. Hustle and find people that need it for small projects to keep the skills sharp and a few bucks coming in.

What would you recommend for earning a few bucks while unemployed?

Customizing Your Term Life Policy

 

Have you already decided that term life is your preferred option over whole life? If so, it would be a mistake to think that your life insurance selection process is already complete.

If you were to ask the question, “Are there different types of term life insurance?,” the answer would be a resounding “Yes!” There are two basic types to consider, but about a half-dozen types when you get to a more detailed level.

Two Basic Kinds of Term Life Insurance

What are the two major classes of term life insurance mentioned above? Annual renewable term and level premium term.

All term life policies give you a fixed rate within a specified time period and pay out to the beneficiaries should the policyholder pass away during that period. The difference, then, between annual renewable and level premium is whether or not your term extends beyond a single year.

Common multi-year terms would be “good round numbers” like 5, 10, 20, or 30 years. The rates are locked in within the term, but they will likely increase if you come to the end of the term and need to renew your policy or find a new insurer. Nonetheless, term life is usually the cheapest way to buy coverage during a specified time period.

Seven Specific Varieties of Term Life Insurance

Broken down into more specific categories, there are at least 7 kinds of term life insurance to consider. Here they are:

  1. Annual Renewable: The annual renewable variety really has no major sub-classes, so we mention it again. With this type of policy, your premiums will go up each year as you age, but you are guaranteed to right to renew the policy.
  2. Guaranteed Level Term: This is the basic multi-year term life package without the more customized features of the next five policies listed below. This is what most people think of when they hear “term life.” It varies whether or not the policy is guaranteed renewable.
  3. Family Income Benefit: This variation allows you to choose to have benefits paid out in one payment or incrementally over a period of years. The idea is to allow you to prevent beneficiaries from spending up the whole amount rapidly.
  4. Return of Premium: This policy-type lets you recover your premium payments at term’s end, should you not have already passed away. These policies tend to have longer terms. Their price point generally lies between “ordinary” term life and whole life.
  5. Convertible Term Life: With a convertible policy, you can switch over to a whole life policy at the expiration of your term. You might opt for this if you want a cheaper policy initially but ultimately want the lifelong coverage of whole life.
  6. Decreasing Term: Also called “mortgage term life,” this innovative policy arranges for your coverage to decrease as you pay down your mortgage. The idea is to make sure the mortgage can be paid off when you die or before. The premium remains constant, but it is not typically very high.
  7. Increasing Term: If you can only afford a little life insurance now but want to ensure you can add more coverage later without reapplying, this is the policy for you. It allows you to get a start on insurance in tough times but easily expand when in a better position financially.

Making Your Term Life Decision

There are certainly additional possible variations on a term life policy than those listed above, but these are the major types you will encounter. Be sure to consult with an experienced insurance broker or agent before making a long-term decision that will be hard to change later on.

Renewable energy: pros and cons

When the world broke out with the promising talks about the renewable sources of energy, some critics of modern progress entered the conversation. In this article we are going to discuss the most popular statements that put the reputation of renewable energy under attack.

The hottest news: who we do trust

With the upcoming plans of New York State Energy Research and Development Authority (NYSERDA) the offshore wind offtake is likely to be used in some American states. The director of NYSERDA Doreen Harris claims to be providing new opportunities for usage of offshore wind energy in June this year.

It could be a great solution for American manufacture that is based on limited and running out non-renewable energy. However, we cannot ignore the next facts.

Weak attempts to regulate nature

At first, renewable sources of energy depend on the weather so much. For instance, if there are any unpredictable alternations of weather, the consumption of wind energy is under danger.

The protectors of environment say that it is forbidden for a person to invade the independent life of nature. Otherwise, the severe rain or slow wind streams might affect energy production badly.

Then, the second reason put forward by people who are against renewable sources is that it is almost impossible to produce such energy in large amounts. This technical decision is able to have negative consequences embodied in the necessity to save on the energy consumed. Particularly, one needs to decrease the total consumption of energy in case he uses only renewable sources for his business affairs.

The next issues to be sold lie in the necessity to create a great deal of solar panel and wind farms to launch the good functioning of such energy.  Nevertheless, it is more a space for further work and development than a true problem.

Why we do need renewable sources of energy

When we talk about the renewable sources of energy, the positive sides are much more significant than shadow or unclear ones.

Having outlined the main problems, we must say that pros leave behind the controversial influence of cons in this issue. For example, the usage of renewable energy sources is likely to be beneficial for the state of world economics as their usage makes impact on keeping prices more stable.

How does it work? Perhaps, it is not a secret for anybody that inflation is based on the raise of fall visible in the supply of fossil fuels. Consequently, once you start using renewable sources of energy, the finances are spent on the further development of technical progress but not on the inflation touching the cost of non-renewable resources.

Sustainability is another advantage as, whatever happens, sun is going to shine while a wind is about to blow. The only thing is that enterprises dealing with such a kind of energy production are to apply to an infrastructure advisor specialized in the commercial development of renewable energy projects.

How could we save ecology?

The more attention we bring to ecological issues, the better our planet could become. No hesitations, the supply of renewable energy is able to make the environment healthy because such sources do not contaminate it with carbon dioxide and other toxic substances.

Except for that, renewable sources of energy do not waste the nature along with its materials that had been saved for a long time. One more pleasant thing in which one could definitely be convince is that renewable sources of energy will not disappear one day. Thus, many countries will not have to rely only on coal, oil, and gas anymore.

Sell it right: how to get your best target audience

Sales are inevitable part of any company’s functioning. The whole departments work over the leading negotiations with the clients and making contracts. A great sales department is able to lead the company out of the crisis and let it survive even in the darkest times. However, the weak salespeople are likely to switch off the interest of the possible customer even of it goes about the well-qualified product or service. Well, which traits are necessary for the prolific salesperson? Today we will talk about the rules of sales and also concentrate some attention on the IT-product selling.

What do you know about your client?

I remember myself getting a call when the operator tried to ask if I was interested in a new mobile application of a certain type. Even though I was, I did not buy it because of some important reasons. When I started making requests on certain details related to the functioning of the product, the salesperson was not able to answer.

Instead of covering my point of interest, he used the words of appraisal and advertisement saying this product is innovative, up-to-date, and long-lasting.

So, if talk about the rules of IT-product, we must exactly know all the technical features of it. For sure, if you have decided to promote an IT-product, you need be prepared for all the kinds of questions connected with IT-scope.

Sensibility Versus Sensitivity

People working in advertisement scope usually say that people make purchase basing on the emotions rather than sensible considerations. All of us know stories how trade workers sell not cars but the sense of freedom, drive and happiness.

Well, does it always work? It depends on situation, so, a good salesperson should also be a great psychologist who judges the traits and needs of his customer immediately.

As some specialists claim, there is only one category of goods where advertisement should consist of emotional ingredients only. Particularly, they are perfumes, elite goods, and upmarket services. As for the industrial equipment and military facilities, successful advertisement is likely to include the elements of sensibility.

Then, in all other cases market analysts divide the ways of communication on emotions connected with belonging to reference group and sensitivity experienced because of associations with the exact brand.

For example, it has been approved that office clerks bought Marlboro been driven by the desire to resemble rugged cowboys.

Nevertheless, one should not forget that the quality of a product or service has to stay on the first place. This factor creates demand. It means, those who initially try to launch a famous brand and only afterwards deal with successful product are going to fail.

Win-win as the living strategy

The entrepreneur and writer Stephen R. Covey offered a great strategy in his book ‘The Seven Habits of Highly Effective People’. This work that was published for the first time in 1989 has not lost its relevance.

The idea of win-win means that you have to help a person but you should not sell in case you cannot lend a hand to him. While trying to sell the product, be attentive towards the needs of a customer and ask questions about his real problems. If a salesperson knows that his key task is to help people, the customers will, definitely, feel this purest desire.

Nevertheless, for a person who knows how to rule the company but is not sure what to do with the sales, there is one option. If you are a bit confuse and do not know which business direction to choose, you should get real-time visibility on your sales or inventory information with NetSuite ERP and encourage successful functioning of the sales department.

You Must Have Auto Insurance – How To Save

Several Different Ways To Save

The best way to save on auto insurance is to be a female veteran with an absolutely clean driving record, a sound vehicle with only one owner, and good credit. But as you may have ascertained, this represents only one portion of the actual demographic buying auto insurance. If you’re not in this category, you’ll have to be creative.

First, you don’t want to take the first quote you get from the first agency you call. Geico and Progressive want to dominate the market, but the truth is you can get much cheaper rates from other agencies regardless of your situation; it just may mean paying on a different scale.

For example, some organizations are going to give you the option of paying different rates depending on how much you pay, when. Sometimes if you pay on a yearly basis, you can save one or two hundred dollars overall. Sometimes the same will happen if you pay twice a year, or quarterly.

There are some agencies who don’t change rates at the monthly level, from those at the annual level; but these are only a minority of insurance agencies. Usually, you’ll end up paying more piecemeal than if you consolidate payments into a single annual chunk. The thing is, not everyone can afford this.

Additional Factors

Beyond comparison, the kind of insurance you ultimately source for your car will play a big part of the eventual cost. If you just get barebones liability, it’s very conceivable for you to source insurance which is under $30 on a monthly basis. But then, if you go this route, should you experience an accident your vehicle will not be covered.

You may also consider a packaged deal which exists from under the “shadow” of a small or large business. A corporate entity is going to get different rates than an individual. If you’ve got a fleet of vehicles, it’s possible you can get a group rate that is cumulatively less expensive than insurance on a single vehicle.

You should pay careful attention to taxes as pertain to small businesses and insurance.

A state comptroller may run a tax audit on your business, but if you list insurance as a business expense, then you may be able to write it off; and even if you’re under audit, that’s perfectly legal. You might consider this an insurance discount of a kind, if you like.

Finding The Best Rate

If you’re looking for the best rate pertaining to auto insurance, CarInsurance.us.com points out that: “…no two people are the same when it comes to car insurance.” There are many reasons this is the case. You’ve got traffic tickets, you’ve got driving history as regards accidents, age and gender both factor in—the list goes on.

A big part of that is liability. If liability is removed from the individual to the business, depending on the creditability of the business, you may very well save substantially on auto insurance by defining your car as one of the “company” variety.

One thing is certainly true: regardless of what you do or how you conduct your business, efficiency is going to be one of the most important things in maintaining profitability. You’ve got to curtail time expenditure among employees where possible, decrease infrastructural overhead, and sometimes take out a loan.

Part of efficiency in business is securing auto insurance en masse through an agency who can give you a business rate, and being sure to claim that as an expense on your tax forms. You can double down by using your business to source insurance on a car that, let’s face it, you were going to use for business anyway.

5 Ways to Cool Your Home in the Texas Heat

Keeping cool in the Texas heat is always tough. The summer months can be some of the most punishing in the country. But there are ways in which you can keep your home cool in the Texas heat. This guide is going to introduce you to five of the best ways to stay cool this summer.

Invest in a Good Air Conditioning System

If you feel like your home isn’t cool enough, the chances are your air conditioning unit isn’t doing its job. This often happens when the filters aren’t replaced often enough. Not only should you invest in a good air conditioning system, you should go out of your way to make sure you’ve maintained your air conditioning system.

Reduce Cooling Load

Let’s say you bought real estate near Austin, Texas. It gets pretty hot here throughout the year. Focus your shading towards the east and west windows. These are the areas the sun is going to hit. Reduce the cooling load by shading these parts of your home and you’ll find that your home is much cooler.

But don’t shade the entire house otherwise you’re cutting off air channels and leaving yourself trapped in a heat-locked box.

Install White Window Shades

This uses the simple principle of color. Black absorbs heat and white reflects it. By installing white window shades and closing them during the hottest parts of the day it will take longer for your home to warm up. Combine it with your air conditioning unit and you’ll be far more comfortable.

Avoid Heat Creation During the Day

There are some household appliances that create heat when they’re used. For example, your dishwasher creates heat. Another example of one of these appliances is the washing machine or the dryer. The way around this is to use them only during the evenings. You’ll also be saving money because it’s cheaper to use these units during certain periods of the day or night.

Close the Doors and Windows

When the Texas heat starts to bite, it can get tempting to open the doors and windows. This is a mistake for two reasons. To begin with, it’s a bad idea because the temperature is often higher outside than it is on the inside. Closing the doors and windows prevents an increase in temperature.

Another reason for this is that when the temperature stagnates there’s no breeze. If you open the window and leave the air conditioning on you’re making your unit work harder and you’re losing that cool air to the hotter outside.

Last Word – Keeping Cool in the Texas Heat

As you can tell, the most important factor in keeping your home cool is your air conditioning unit. You should make sure to have it serviced every spring to ensure that it’s working as efficiently as possible. If you can do this then your home is going to be as comfortable as possible and you won’t be wasting any money in the process.

What do you think is the best way to make sure that your home stays cool in Texas?

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