Mutual fire insurance would be the most advantageous for your financial situation.
A Mutual Insurance Company: What Is It?
An insurance provider that is owned by its clients is known as a mutual insurance company. A mutual insurance company's members have the power to choose the management, and its only goal is to provide insurance protection for its members and policyholders. Mutual insurance businesses invest in portfolios similarly to a traditional mutual fund and distribute earnings to members in the form of dividends or lower premiums. State law does not govern whether an insurer qualifies as a mutual insurance business; federal law does.
KEY LESSONS
A mutual insurance firm is one that is owned by its clients.
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Assume+the+following+for+the+morgan+goldman+firm:+actual+earnings+of+$14,000,+beginning+book+value+of+$250,000,+and+cost+of+capital+of+8%.+what+are+their+abnormal+earnings?
Assume the following for the Morgan Goldman firm. Actual earnings of $14,000, beginning book value of $250,000, and cost of capital of 8%. $(6,000) is their abnormal earnings.
Business capital generally includes financial assets held by a company that can be used to drive growth and build financial stability. Capital and cash are not the same. Capital can be more powerful than cash because it can be used to produce something and generate income (such as investments).
Definition: A product is an item offered for sale. Products are services or items. It can be in physical or virtual or cyber form. All products are made at a price and sold at a price. The price that can be calculated depends on the market, quality, marketing and target segment. A product is an item or service that you sell to satisfy a customer's needs or desires. they are physical or virtual. Physical products include durable goods (such as cars, furniture, and computers) and consumables (such as food and beverages).
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Exchange rates, interest rates, and inflation are all considered part of the _________ environment.
Exchange rates, inflation, and interest rates are all considered part of the economic environment.
The economic environment is referred to as the macro-economic factors, which includes, economic growth, national income, and inflation, which thus affect patterns of consumer and business spending. Thus, companies sell products at lower prices and so they are able to attract larger number of customers.
When considering the rise and fall of the economy in general, within certain industries, or maybe in the specific parts of the world, this rise and fall of economy has a big impact on what customers tend to buy.
Hence, the economic environment is considered important because of the rapid integration of international economic markets.
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The idea that some basic businesses such as steel mills, coal mines and utilities, should be owned and controlled by the government is indicative of a economic system.
It is an indicative of a socialism economic system. Socialism is a left-wing to far-left monetary philosophy and motion encompassing various monetary structures characterised via way of means of the dominance of social possession of the way of manufacturing in place of personal possession
What is communism versus socialism?The fundamental contrast is that under socialism, most property and monetary assets are claimed and constrained by the state (as opposed to individual residents); under communism, all residents share similarly in financial assets as dispensed by an equitably chosen governmentTo learn more about socialism click the links.
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A report comparing actual results to budgeted amounts that is often used to reward and evaluate employees is called a(n)?
A record evaluating proper consequences to budgeted amounts that is regularly used to reward and consider employees is called a performance report.
A performance report is a report that a company creates to outline and measure its overall success. It offers an overview of how the business is performing. To do this, performance reports ordinarily collects unique work overall performance data, analyze it, and provide recommendations to help in making decisions.
What makes a proper performance report?The integral characteristics practice to reviews of each forecast and true performance. To be clear and meaningful, overall performance information wants to be relevant, reliable, understandable, timely, comparable, and verifiable.
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https://brainly.com/question/1532968#SPJ4When amounts of a transactions are entered in an account on the right hand side, they are said to be:______
The transactions entered on the right hand side in an account are known as Debit and the transactions entered on the left hand side in an account are known as Credit. A ledger account has basically two sides i.e. left hand side and right hand side.
An accounting entry that results in either an increase in asset or decrease in liability on a company’s balance sheet is a debit. Debits are basically balanced by credits in fundamental accounting.
Transactions are recorded in different books and accounts are identified on the basis of these transactions. Different books that record the transactions are cash book, Purchase book, Sales book etc. Sometimes the abbreviation for debit is “dr,” which is short for “debtor.” Positive values for assets and expenses are debited and negative values are credited in the balance sheet. All the debits are made on the left side of the ledger in double entry bookkeeping and must be offset with corresponding credits.
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An alternative to being a market follower in a large market is to be a leader in a small market. this type of competitor is called a ________.
An alternative to being a market follower in a large market is to be a leader in a small market is a type of competitor that is called a: B) market nicher.
What is a marketing strategy?Marketing strategy can be defined as a technique that is typically used by business firms to attract customers to their goods or service, especially by giving them a lower price during its initial operation and offering.
Who is a market nicher?A market nicher is aslo referred to as market specialists, foothold firms, or threshold firms and it can be defined as a business firm whose products (goods) serve segments that are too small to be of interest to business firms that already have larger shares of a market.
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Complete Question:
An alternative to being a market follower in a large market is to be a leader in a small market. This type of competitor is called a ________.
A) marketing king
B) market nicher
C) segment king
D) guerilla marketer
E) strategic clone
Budgeting, analysis of investment proposals, and provision of funds are activities associated with the _______ function.
Budgeting, analysis of investment proposals, and provision of funds are activities associated with the finance function.
The activity of controlling and planning financial resources is known as financial function. It is a part of business in which obtaining and using the money required for effective operations is required.
Below are the objectives of finance functions.
Investment decisions- It include employing revenues received from the sale of assets that become less profitable and productive in addition to allocating resources to long-term assets.Financial decision - Many different methods and routes can be used to obtain funds. In general, a proper ratio of equity to debt must be maintained. A company’s capital structure is defined as its ratio of equity to debt.Dividend decision - A financial manager's primary responsibility in a profitable situation is to choose whether to distribute all earnings to shareholders or keep all profits for themselves. This all comes under dividend decision. Liquidity decision - It's crucial to put enough money into current assets in order to maintain the trade-off between profitability and liquidity.To learn more about finance function, refer this link
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A corporation earns profits for its stockholders by ______. (check all that apply.)
A corporation is able to earn profit for the stockholders that it has by:
selling goods at more than costproviding services at more than costWhat is a corporation?This is the term that is used to refer to the businesses that can be referred to as large businesses. They are businesses that have a considerable number of employees in them and are also able to hire staff that is more than that what the little firms can hire.
The goal of the corporation and all business ventures are usually to make profit. This is what would ensure the continuity of the enterprise and also help them to expand.
Hence we can say that A corporation is able to earn profit for the stockholders that it has by:
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Complete question
A corporation earns profits for its shareholders by ______. (Select all that apply.)
A) ensuring revenues are less than expenses
B) selling goods at more than cost
C) issuing stock to them for cash
D) providing services at more than cost
The correct order for the preparation of financial statements is? 1. statement of cash flows 2. income statement 3. balance sheet 4. statement of retained earnings
The order which is correct is 2, 4, 3, 1. Income statement, Statement of retained earniings, Balance sheet, Statement of cash flow.
What is financial statement?
The presentation of relevant financial data is done in a methodical manner and in an easy-to-understand format.
The three main company reports are combined into one document called a financial statement. It will include the company's income statement, balance sheet, and cash flow statement.
Financial statements are routinely audited by government agencies, accounting firms, etc. to ensure their accuracy and for tax, financing, or investment reasons.
An income statement is a type of financial statement that shows the revenue and expenses of a firm.
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___ managers work in a variety of areas, including human resources, operations, and marketing.
Human resources, operations, and marketing are just a few of the specialties of HR managers.
Talent management, pay and benefits for employees, training and development, compliance, and workplace safety are the five key responsibilities of human resources. By handling the employee lifecycle well, an HR department may contribute to organizational structure and the capacity to satisfy business demands. Managing employee compensation and benefits is one of HR's main responsibilities. Employee satisfaction is maintained at a high level via effective administration of wages, vacation time, and insurance. You will be in charge of allocating, promoting, and enhancing salary and benefits packages as a human resource manager. The human resource manager will oversee the regular duties of the Human Resources (HR) division, including hiring and conducting interviews, handling leave requests, paying employees, and enforcing business regulations and procedures.
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An annuity is a stream of level, evenly spaced cash flows or cash payments that never ends. group of answer choices
A. true
B. false
The statement "An annuity is a stream of level, evenly spaced cash flows or cash payments that never ends" is false?
What is an annuity?
An annuity is a stream of level, evenly cash flows or cash payments that is paid to an individual over a definite number of years, in other words, an annuity has a fixed term not that it is paid forever or indefinitely.
However, perpetuity is the stream of evenly spaced cash flows that a beneficiary receives forever, it is similar to annuity, but the difference in the period of payments, the former has a fixed tenure such as 10 years, whereas the latter is never ending.
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In a ___________ architecture, computers are both client and server, thus sharing the work.
In a Peer-to-peer architecture, computers are both client and server, thus sharing the work.
What is a Peer to peer Architecture?Peer-to-peer (P2P) architecture is made up of a decentralized network of peers, which act as both clients and servers.
Peer-to-peer networks share burden among peers, who all contribute and consume network resources without the need for a centralized server.
A P2P network, because of its architecture, can provide various benefits to its users, including:
Simple file sharing: Advanced P2P networks may instantly transfer data across large distances. Files are available at all times. Reduced costs: When establishing a P2P network, there is no need to purchase a separate server computer.Learn more about peer to peer architecture:
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Which folder will automatically upload a file saved in it to your onedrive account?
Desktop folder will automatically upload a file saved in it to your OneDrive account.
What is a desktop computer?Anyone with a Microsoft account has access to OneDrive, a web-based storage facility from Microsoft, which offers a sizable amount of space without cost. Consider it a benefit-added sharing cloud-based hard drive. One of the main benefits is that OneDrive occasionally connects with Windows 10.
OneDrive's folder sync happens quite quickly, so what you see in File Explorer is also what is kept in the cloud. Some OneDrive users save every web-based file and folder they have access to on their computers. Some OneDrive users, however, have only downloaded a fraction of their OneDrive folders to their laptops. Only this subset of folders is visible to users in File Explorer, hiding all other cloud-based folders.
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The difference between the variable costing ending inventory and the absorption costing ending inventory is:_________
The way fixed production overhead is handled in absorption costing and variable costing is the only distinction.
An overview of absorption costing versus variable costing
Work-in-progress and inventory values for businesses are determined using absorption costing and variable costing techniques. All expenses related to the production of a product are included in absorption costing. The only costs included in variable costing are the ones directly associated with production and none of the fixed costs. The Generally Accepted Accounting Principles (GAAP) of the Financial Accounting Standards Board mandate absorption costing for reporting purposes (GAAP).
Only businesses that spend costs of goods sold (COGS) on their income statement will need to consider absorption vs. variable costing.
Despite the fact that any business can utilize both approaches for various purposes, public businesses are obligated to employ absorption costing due to their GAAP accounting obligations.
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If we consider the reality that each worker has different skills, then the production possibilities frontier should:_______
If we consider the reality that each worker has different skills, then the production possibilities frontier should display an increasing opportunity cost of a good as more of that good is produced.
What is opportunity cost?Opportunity costs are the losses incurred when a person, investor, or business selects one course of action over another. Because opportunity costs are unseen by nature, it is simple to ignore them. Knowing the opportunities that might be missed when a business or individual chooses one investment over another might help them make wiser selections.
The benefit that was forfeited because a specific choice was not chosen is known as the opportunity cost. In order to accurately calculate opportunity costs, one must consider the benefits and drawbacks of each option. Opportunity costs have a value that can assist individuals and enterprises in reaching more successful conclusions.
Opportunity cost is an entirely internal expenditure that is only taken into account for strategic purposes; it is not accounted for in accounting profit and is not disclosed to outside parties.
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Using segmentation by size, which type of organization would most likely be contacted by email or outbound telemarketing?
Using segmentation by size, a small size type of society would be most likely to be reached by e-mail or outbound telemarketing.
What is a medium size organization?According to the Organization for Economic Cooperation and Development, most nations represent a small business as one with 50 or fewer employees, and a mid-size company as one with between 50 and 250 employees.
What is the dissimilarity between SMB and SME?SMB: Small and Medium-Sized Companies. SMBs are defined as having smaller than 100 employees and between $5-$10 million in annual income. SME: Small and Medium-Sized Enterprises. Also understood as “mid-market”
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All of the following accounts have normal debit balances except for? cash. expenses. capital. accounts receivable.
Capital
Capital have credit balance because capital is the owner's investment in the business and its a liability for the business to pay the capital in future.
Increase will capital have credit balance and it is reported on the liabilities side of the balance sheet.
Cash , expense, accounts receivable have debit balance as it is treated as asset of the business and have debit balance.
As per the double entry system , every transaction has debit and credit. multiple accounts are affected.
The amount of capital will always equal to the the all assets less all liabilities.
In the year end , profit or loss is apportioned in the capital account.
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Economic systems differ from one another based on who owns the factors of production and.
Economic systems differ from one another based on who owns the factors of production and. Who make decisions regarding what to produce and how it is produced
What is Economic systems?An economic system is a mechanism by which societies or governments manage and distribute public resources, services, and goods across a geographic region or nation. Economic systems control the factors of display, including land, capital, labor, and material resources.
What is represented by economic system?
An economic system is a means with the help of which the government plans and issues accessible services, resources, and things across the country. Economic systems manage aspects of production, combining wealth, labour, physical resources, and industry people.
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Complete Question is,
A. How much resources are available in the economy and where they are located
B. Who make decisions regarding what to produce and how it is produced
C. What kinds of products are produced in the economy and how plentiful they are
D. How big the population is, and the makeup of the population
In the late 1920s, you could buy $10,000 worth of stock by putting down as little as:_________
In the late 1920s, you could buy $10,000 worth of stock by putting down as little as: $1000.
What is meant by a stock in finance?The term stock can also be referred to as what is called equity. This is the term that is sued to refer to the security that people would have from a particular issuing corporation. The purpose of the stock is to be able to give the owner a proportion of the assets of the particular company.
Hence we can say that In the late 1920s, you could buy $10,000 worth of stock by putting down as little as: $1000.
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If a firm has $300,000 in cash flow from assets and $100,000 in cash flow to shareholders, what is the cash flow to creditors?
If a firm has $300,000 in cash flow from assets and $100,000 in cash flow to shareholders, the cash flow of creditors is 200,000.
The cash flow from assets must equal the sum of the cash flow to creditors plus shareholders.
CF from Assets = CF to Shareholders plus CF to Creditors.
CF From assets = CF to Shareholders + CF to creditors.
CF from assets - CF to Shareholders = CF to creditors.
Thus, 300,000 - 100,000 = 200,000.
What is cash flow (CF)?
One of the areas on the cash flow statement that details how much money was made or spent on various investment-related activities during a given time period is the cash flow from investing activities (CFI) section. Purchases of tangible assets, investments in securities, and sales of assets or securities are all examples of investing activities.
A company's poor performance is frequently indicated by negative cash flow. Negative cash flow from investing activities, however, could be the result of significant sums of money being spent on things like R&D that are essential to the company's long-term success.
It's crucial to understand where an organization's investment activity fits into its financial statements before analyzing the various positive and negative cash flows from investing activities.
The balance sheet gives a summary of the assets, liabilities, and owner equity of a company as of a particular date. An overview of the company's earnings and outlays for a time period is given by the income statement. By displaying how much money is made or spent on operating, investing, and financing activities over a given time period, the cash flow statement fills the gap between the income statement and the balance sheet.
Thus, $200,000 is cash flow to creditors.
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Garrett was just convinced to buy life insurance. in terms of the hierarchy, he is driven by his ________ needs when he seeks financial security for his family should he die unexpectedly.
In a case whereby Garrett was just convinced to buy life insurance, in terms of the hierarchy of needs he is driven by his safety needs when he seeks financial security for his family should he die unexpectedly.
What are hierarchy of needs?Maslow's hierarchy of needs can be described as the theory that was put in place by Abraham Maslow, which stressed that people are motivated by categories of needs: such as
physiological safety, love esteem, and self-actualization.Therefore, In a case whereby Garrett was just convinced to buy life insurance, in terms of the hierarchy of needs he is driven by his safety needs when he seeks financial security for his family should he die unexpectedly.
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Who has the power to prosecute companies that fail to take reasonable precautions to protect private information?
the power to prosecute companies that fail to take reasonable precautions to protect private information "FTC"
What is Prosecutor?
In jurisdictions with either a civil law inquisitorial system or a common law adversarial system, a prosecutor is a legal representative of the prosecution. In a criminal trial, the prosecution is the party legally tasked with making its case against the defendant who is alleged to have broken the law. The Prosecutor typically defends the state or the federal government in the case brought against the defendant.
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Consider the supply curve for basketballs. Other things held constant, if the price of basketballs goes up from $7. 99 to $14. 99, what can we expect from suppliers of basketballs as a result?.
There will be an increase in quantity supplied through the Law of Supply.
What is law of supply?
A key tenet of economic theory is the rule of supply, which asserts that an increase in price will result in an increase in the quantity supplied, all other things being equal.
According to the law of supply, price and quantity supplied of an item are directly related to one another, all other things being equal.
Therefore,
we expect from suppliers of basketballs as a result there will be an increase in quantity supplied through the Law of Supply.
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What consideration should researchers take into account when designing an online study?
Attention should researchers don't forget when designing a web study: moral considerations in studies are a fixed of ideas that manual your research designs and practices. these standards consist of voluntary participation, knowledgeable consent, anonymity, confidentiality, the capacity for harm, and consequences of conversation.
Researchers collect, organize, examine, and interpret information and evaluations to discover problems, and clear up issues, and expected trends. maximum researchers degree in public opinion. Social technology researchers gauge the public's opinion concerning social problems, offerings, political campaigns, parties, and personalities.
Research is described as cautious consideration of taking a look at regarding a selected difficulty or problem with the use of medical strategies. consistent with the American sociologist Earl Robert Babbie, “studies is a systematic inquiry to describe, explain, are expecting, and manage the determined phenomenon. research is careful and prepared to take a look at or gathering of facts about a specific subject matter. An example of studies is a challenge wherein scientists try to discover a cure for AIDS. An example of research is the facts an excessive college student tracks down facts for a college file.
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A+t-bill+with+face+value+$10,000+and+87+days+to+maturity+is+selling+at+a+bank+discount+ask+yield+of+3.4%.+a.+what+is+the+price+of+the+bill?+b.+what+is+its+bond+equivalent+yield?
It's bond equivalent yield is equal to its face value.
The bond equivalent yield components is calculated via dividing the difference between the face value of the bond and the buy charge of the bond, by way of the price of the bond. That answer is then expanded by way of 365 divided by means of "d," which represents the range of days left until the bond's maturity.
What is bond equivalent basis?The bond equal groundwork is the non-annual bond rate in annual terms. It can be implicitly calculated thru the distinction in bond prices. The bond equal groundwork yield then helps traders to appropriately evaluate two one of a kind rates. Without a related rate, buyers are evaluating apples and oranges.
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The best checking account for Nathan, is account D, therefore, the correct option is D.
Among Nathan's requirements for the checking account are
Lowest costs with $300 provided for account opening (minimum balance).use of an ATMHis employer's direct depositBecause Bank A's minimum balance requirement ($500) exceeds Nathan's available funds ($300), Bank A will not be a good choice.Due to the fact that Bank B and Bank D provide the identical checking account characteristics, Bank B will not be appropriate. However, Bank D's checking account has the added benefit of 0.1% interest (interest is zero for Bank B) and may incur no monthly cost due to the availability of direct deposit from Nathan's work.
Due to its higher ATM cost ($2 per transaction compared to $0 for account D), Bank C will not be appropriate.
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Complete Question
Nathan has $300 to open a checking account. He wants an account with the lowest fees. He plans on using the ATM machine, and his employer offers direct deposit. Bank Account Terms and Conditions Bank A has a minimum balance of 500 dollars, interest of 0.1 percent, overdraft protection, 0 dollar ATM fee, and 0 dollar monthly fee. Bank B has a minimum balance of 250 dollars, interest of 0 percent, no overdraft protection, 0 dollars for all A B C bank A T M s, and 5 dollar monthly fee. Bank C has 50 dollar minimum balance, 0.1 percent interest, no overdraft protection, 2 dollar per A T M transaction, 10 dollar monthly fee or 0 dollars with direct deposit. Bank D has 100 dollar minimum balance, 0.1 percent interest, no overdraft protection, 0 dollar A T M fee, and 5 dollar monthly fee or 0 dollars with direct deposit. Which checking account would be best for Nathan?
Which checking account would be best for Nathan?
Account A
Account B
Account C
Account D
Answer:
D
Explanation:
In practice, most companies list accounts on their trial balance in alphabetical order. True or false?.
Answer: false
Explanation:
When marketers shift their focus from single transactions to creating ongoing relationships through high-engagement, experiential, customer journeys it is an example of a ______.
When marketers shift their focus from single transactions to creating ongoing relationships through high-engagement, experiential, customer journeys it is an example of a competitive force.
What are competitive force?Competitive forces can be described as the factors as well as variables that can serves a treat to the company's profitability as well as preventing its growth.
In this case , it should be noted that When marketers shift their focus from single transactions to creating ongoing relationships through high-engagement, experiential, customer journeys it is an example of a competitive force.
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How will an increase in demand and a simultaneous decrease in supply affect the equilibrium price and quantity of a good in a market?.
Although the impact on the equilibrium quantity cannot be determined, a rise in demand and a decrease in supply will result in an increase in the equilibrium price.
Consumers now place a higher value on goods in any quantity, and producers must charge a higher price to offer the goods; as a result, prices will rise. An equilibrium price, also known as a market-clearing price, is the consumer cost ascribed to some product or service such that supply and demand are equal, or close to equal. The manufacturer or vendor can sell all the units they want to move and the customer can access all the units they want to buy.
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When two asset accounts are changed in a transaction, there must be an increase and a decrease. True or false?.
The above statement with regard to the assets is true.
What is assets?An asset is any resource that a person or institution holds that have monetary worth. It is owned by the corporation with a view to the future. It can be any type of property, including money, land, and currency.
An asset comprises items such as stock, also known as inventory, which aids in the generating of income. Expense is the company's responsibility, and it must be paid off in order for the firm to continue smoothly.
When two asset categories are modified in a transaction, an increase and a drop must occur. Therefore, it can be concluded that the above statement is true.
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