Debenhams MasterCard: Is it Worth It?

If you shop in Debenhams you may have been asked to get a Debenhams Mastercard. Before you get one, it is vital to know what it can do for you and if it is the right choice for you. Understanding the benefits and repayments of the Debenhams MasterCard is vital before you start spending, as not keeping up with payments can increase the charge each month.

What Is the Debenhams MasterCard?

The Debenhams MasterCard is a credit card that gives you more. You can spend your MasterCard in Debenhams, where you will get more points, as well as anywhere which accepts MasterCard. If you are unsure, they will usually have the MasterCard logo on their cashiers or you can check online for which retailers accept MasterCard. Every time you spend on your card, you will earn points which can be converted into many great benefits. If you shop in Debenhams often, or even work in a branch, it could be worth your while applying for a MasterCard. Jobs at Debenhams are varied and you can do everything from customer service, to working in the restaurant to management.  The company also has plenty of graduate jobs for those with the appropriate qualifications.

How Does It Work?

Each time you shop, you earn points. This includes in store or online, at Debenhams or any other retailer that accepts MasterCard. You will earn 3 points for every one pound you spend in Debenhams and one point for every two pounds you spend elsewhere. The more you use your card, the more rewards you can gain. Every three months, the rewards you have earned will be sent to you in the shape of Debenhams reward vouchers, which can be spent in any Debenhams store. You get many other benefits such as free delivery, cheaper food at Debenhams cafes and cheaper cash exchange when changing money in any Debenhams cash bureau.

Is It Worth It for Me?

There are many things to consider before getting a credit card. If you shop in Debenhams a lot, instead of paying for things straight away, it could be beneficial getting a Debenhams MasterCard as you will gain rewards for spending at Debenhams and other stores, making your spending more worthwhile. It can also increase your credit rating spending on the MasterCard and then paying it back each month rather than paying for the transaction straight off. If you know that you will pay it back each month, a Debenhams MasterCard is totally worth it. If you know that you may get carried away, it may not be worth the risk of spending more than you can pay back. Only you can decide for sure if it is worth it for you, but if you can use it safely, the rewards are great for any Debenhams shopper.

The Debenhams MasterCard could save you money in the long term as you get vouchers back for the spending you would have done regardless, as well as improving your credit score. You should always be careful with any credit card and ensure you make the payments on time, so perhaps have a savings account in which you save what you need to pay back each month to make the payments.

Conserving Costs In Terms Of Healthcare

A Tricky Situation

It’s well-known that the healthcare industry is becoming revitalized by industry changes. Some even characterize these changes as exponential. Some of those changes are good, some aren’t. To help you separate the “sheep” from the “goats”, as it were, following is a comparison between the UK’s NHS service, and private healthcare in the United States.

Consider firstly that the NHS of the UK is under intense scrutiny from UK citizens. This is primarily because it represents a government-run option, and as a result citizens hold that option accountable. But there are problems with such systems, as many in America realized when ACA became a codified reality.

Consider this: in America, approximately $3.3 trillion from the GDP is spent on healthcare, or approximately 4.3%. The UK spent about 9.9% of its GDP on healthcare in 2014, or around £179 billion.

Waiting room times for the emergency room in the UK aren’t great, but they are somewhat manageable; meanwhile, the US healthcare system is riddled with much more difficulty, as wait-time statistics there don’t include associated treatment. But something else worth considering here are the numbers associated with population. Even if you work in health industry you won’t be able to avoid some of the health system difficulties.

Population Considerations

One-hundred seventy-nine billion pounds is hardly comparable to 3.3 trillion dollars; especially when you take population into account. America has approximately 323 million citizens. The UK has around 65 million. Basically, the UK is 1/5th the size of the US in terms of population, but they spend almost ten percent of their GDP on healthcare—or more than twice as much as the US.

Meanwhile, the US is five times the size of the UK population-wise, and spends only 4.3% of its GDP on healthcare, as pointed out earlier. In order for the US to have a system of public healthcare that works like that in the UK, citizens would have to be taxed double what they already are. And It’s already been shown that the ACA flat-out doesn’t work—unless, of course, you’re a minority percentage of the population.

The solution? Mixing and matching. As it turns out, there are certain provisions in the US healthcare code which allow those who are covered to sort of “mix-and-match” between government and private provisions.

 

ACA has already expanded the burden of healthcare on US citizens dramatically. Unless those in the US plan on more than doubling what they’re already paying, they’ve got to look into solutions of this kind.

 

Recently, the topic that drew a lot of public attention in the US, is about the Obamacare Penalty changes since December. Apparently, people will still have to pay the Obamacare Penalty for not having health insurance in 2018. For more information on this topic check this article.

Make Your Choice

Here’s where things stand today: for the US to have a “socialized” healthcare system would require a massive hike in taxes—spending would have to be more than doubled to reach the same rate as the UK. As it stands today, the UK is going to cut your paycheck down  34% per $100k. In the US, the same tax comes at approximately $335k.

The question then becomes: be more dependent on the government, and have less money, but available health insurance, or conserve your resources and have less-effective healthcare, but greater personal freedom financially? This is quite the question indeed, and one about which many will have hot opinions for varying reasons.

The bottom line? There’s more comprehensive health coverage in the UK, but it ultimately costs the population more. There’s less effective health coverage in the US, but it also costs less.

How to find the perfect exit point for your trade

Trading in the currency market is not something that you should do every day on a regular basis. In fact, this is the opposite and you should try to do it as less as possible when you can. The professional traders know this and that is the reason they hardly place any trade on the industry. If you look at the novice traders, you will find they are busy with analyzing, knowing the information and placing trades on the market. They spend a hefty amount of their time in their lives in this industry. This article will not tell you why you should not spend much time but it will tell you how you can smartly exit the market when you still can. We are using the phrase “still can’ because many traders find it impossible to exit without losing a significant amount of their investment. We do not want this to happen to you. Trading in this industry is important but what is more important is you know how to exit the market in the right way. Everybody can place a trade but the trader that can exit with the profit at the right time is the winner.

Many traders often say that they are losing money from their profitable trades. Though they know very well about the market structure, they don’t know when to close their trade. Finding the perfect exit point for your trade is very challenging. But if you can learn support and resistance level, things will become very easy for you.

The retail traders might think that complex trading system is the only way to become a profitable trader. They don’t understand the fact that complex trading system will always increase error factors. You should not also follow other people trading strategy. Identify your requirement and based on your needs, develop a simple but effective trading system. Start using the demo trading account and slowly develop your trading strategy. Try to become a long-term trader and ignore the lower time frame to save yourself from the false spike. Unless you trade hit your potential profit level, you should never manually close the trade.

When you have reached your goal

The goal that you should set in this currency market should not be over ambitious. We are happy that you have decided to invest your money in this risky market but that does not mean you are going to gamble this money. Traders do not understand every trade in Forex is the equation of life and death, loss, and profit. There is no randomness and every price have their reasons behind their changes. Your goal should be appropriate with your trading level and you should not try to exceed it. If you are novice trader, making 10 dollars of profit in a week is enough for you. You should be happy and exit the market when you have made this amount. Do not try to hit big and lose the money. If you have made your profit, exit the industry.

When the profit you set has been achieved

Many people get their desired profit in this industry but the reason behind their loss is their greed. They cannot stop their trades and exit the market. They try to let their profit run as long as possible and when the trend changes, they lost the profit. If your desired profit has been achieved, there is no way you should keep this open. Be happy with your small amount as you do not want to lose this money.

When the trend is signaling to change

Before the trend is over, you will notice some changes and unusual patterns on the chart. If these appear, know your time has come to exit the market. It is better to exit trades with small losses than exiting with a big loss in this currency market.

Mobile Marketing Tips for Real Estate Agents

Mobile marketing isn’t optional. Your audience, no matter who they are, is on their smartphone pretty much all the time. Your business needs to be where your customers are, and if you’re sidestepping the importance of mobile marketing, your strategy is not going to be effective according to experts like the mobile app development firm Buildfire.

Mobile marketing provides you with extensive reach, it keeps you front and center for your audience, it builds loyalty, and it ensures that your messages are going directly to the people they’re intended for. People’s phones are always within their reach as well, so you’re never having to worry about losing a connection with your audience if you’re focusing on mobile marketing.

Mobile marketing is especially important for real estate agents and real estate professionals. The following are tips for real estate professionals who are either just starting their mobile marketing plan or want to change their strategy.

Text Messages

Mobile apps are excellent, but sometimes one of the most effective and also simplest way to market to a mobile audience is by text message. You know text messages are going to be seen, and often they’re opened immediately. This isn’t always the case with something like an email.

There are some different specific ways you can use text messages if you’re a real estate professional, including scheduling appointments or calls, updates on listings, offer updates, and links to properties.

With that being said, you do need to have people opt-in to receive this kind of messages from you, as is required by the FTC.

Mobile Apps

When it comes to mobile apps, there are a few different options for real estate professionals. One option is to use existing apps like Zillow, but a lot of realtors and agencies are instead opting to create their own app.

Your app can include information about agents in the company, directories of listings, and general content.

You can also use your app as a way to provide information and education to your audience, right at their fingertips. This fills a need for your audience, and it also keeps your name and your brand fresh in the mind of users.

Make It Responsive

Responsive design is especially important in the real estate industry because it’s so visually driven. However, a lot of businesses tend to think that responsive design just means that things are small on a mobile screen.

There’s a lot more to it than that.

Real estate professionals need to ensure they’re incorporating best practices of responsive design into their mobile marketing. This can include everything from images to video walk-through tours, as well as things like emails and inquiry forms.

Finally, another key element of a real estate professional’s mobile strategy has to be mobile ads. The idea of putting an ad in a magazine is no longer effective in the way it used to be. Real estate professionals should aim for cohesive branding across all elements of their mobile marketing from their texts and emails to their app and then ultimately their ads.

Embrace the idea of using not only paid online ads through Google AdWords and social media but also be innovative with the use of options like Facebook and Instagram Live videos, as well as Snapchat.

3 Famous Celebrities who went bankrupt

With the global economy still fluctuating and no signs of it getting stable this year, there are many individuals and organizations still facing financial woes and might be compelled to declare bankruptcy sometime or later. However, the surprising fact is that bankruptcy is an issue that is not only faced by the common people or small and large companies, but also by celebrities who are said to have earned in their career in millions!

The celebrities do manage to earn a fortune in a very short time, something that cannot be even dreamt by the average individual in his entire life. Despite making huge sums of money during their career in playing, acting or business, a good number of celebrities with household names are found to face financial ruin. This could perhaps be due to some consequences of wrongly taken decisions or lack of future work. Some celebrities are even said to have lost their homes because of non-payment of tax debts.

Three top celebrities who declared bankruptcy

  • Donald Trump: The current president of the United States, Donald Trump was popular for his famous hairstyle, self promotion and high profile romantic exploits. His business is said to have declared bankruptcy between 1991 & 2009 for about six times! He had inherited his father’s real estate family business. He created a fortune by developing large apartment complexes and single family homes, casinos, resorts, golf courses, media productions, luxury residences and much more. With real estate business witnessing downturn during the early 90s and mid to late 2000, he had filed for Chapter 11 Bankruptcy.
  • Mike Tyson: He is one of the most popular boxers who had won the admiration of both the young and the old for his fighting prowess and spirit. Nicknamed ‘Iron Mike’, he entered the frame during the early 1980s and won the WBC heavyweight championship title at an early age of 20+ to become the youngest boxer to get to this mark. He also had a remarkable record of 26 wins from 28 fights by knock-out! During the initial 18 years of his career, he earned over $400 million. But tiffs with the law and his ill fated comeback fight only made his bankrupt in 2003.
  • Nicolas Cage: He is regarded to be Hollywood royalty and has blood relations with some of the prominent Hollywood directors and actors. He found success in acting and won several awards. He earned a fortune between 1996 & 2011, but due to lavish spending and legal troubles caused him to declare bankruptcy.

The above are the top personalities who had declared bankruptcy.

The Biggest Mistakes Small Business Owners Make

Owning a small business can be incredibly rewarding. People generally start businesses they feel passionate about, and it gives them freedom and opportunities to grow that they might not have working for someone else.

At the same time, small business ownership is full of challenges, and as many good times as there might be, there are also bad ones that you have to weather.

You can’t protect yourself against everything as a small business owner, but recognizing common mistakes can help you combat them. The following are some of the biggest mistakes made by so many business owners.

Not Choosing the Right Entity Structure

According to Anderson Advisors, when you’re starting a new business, at the very least you should form an LLC, but this is something a lot of new business owners don’t do. Your business entity may change as it needs to over time, but you should have a minimum level of protection in place.

If you don’t start a business and structure it as an LLC, it can have adverse tax ramifications, but it could also leave you personally liable if you were to be sued as an example.

Setting up the right entity structure isn’t as complex or time-consuming as you might think, and it gives you an advantage in your business from the start. When you don’t choose the right entity, it can cause some problems as well.

For example, you might be putting yourself at risk of facing legal problems, or you may find that because of the entity you selected, it’s challenging to raise capital.

Skipping Research

If you’ve ever seen two businesses that seem pretty similar, except one is successful, and one is not it could boil down to a lack of research and planning. A small business run simply on a good idea alone isn’t likely to be sustainable.

Decision-making at every level needs to be based on data and research. Customers need to be carefully targeted so marketing dollars aren’t wasted. Businesses need to be able to point to why they made the decisions they did, at the time they did. Taking time out for the research is pivotal.

Not Knowing the Numbers

Business owners tend to be big thinkers, and they also tend to be creative, innovative and energetic. These are all great qualities, but sometimes this doesn’t translate well to accounting and understanding the numbers.

Not knowing the numbers of your business or taking a hands-off approach in this area can be irreparably damaging.

If you don’t know what’s going in terms of accounting, you’re not going to know how to be strategic in your objectives. If you outsource your accounting make sure you’re always communicating with the person who handles it for you.

Making Big Purchases Early On

Finally, you’ve started a new business, and you’re understandably enthusiastic. Unfortunately, that’s probably not the right time to make a big purchase unless it’s absolutely necessary.

A lot of startups will make the mistake of investing in an expensive new office space, or the newest technology as an example.

Business owners need to take a step back when they feel the urge to do this and think about whether or not it’s going to help grow revenue. In the early days of a business that has to be the primary objective.

Hints and Tips for Paying Off Your Student Loan

Debt is a reality for most students today. However, it doesn’t have to remain your reality for years to come, as there are lots of ways to get to the point of being debt free that little bit faster.

Budget for the repayments

If your student loan payments aren’t being taken directly from your salary then make sure that they form part of your monthly budget so that you don’t miss them.

Make sure you know exactly how much you owe

You may have a rough figure in your head in terms of how much you borrowed and what you know the interest rate to be. However, the reality of the debt that has been accrued could be rather different. It’s very easy to miscalculate or overlook certain fees or interest rate rises. So, when it comes to paying off your student loan start by establishing exactly how much you actually owe.

Begin making repayments straight away

There may be the option to delay the first repayments but, unless you have a very good reason for doing so, it’s better to start reducing the debt now. The earlier you begin repaying your student loan, the sooner the total will be cleared.

Live below your means

The first few years after graduation may be fairly tight on the finance front but if you’re able to live below your means then you can apply more of this cash to paying off your student loan. Being frugal now will give you a much wider range of choices in the future when you’re debt free.

Overpay as often as you can

Get into the habit of applying any spare cash that you have towards an overpayment on your student loan. If you get into this mindset early on then it won’t become a battle between spending the additional money on luxuries or applying it to reducing your debt.

Be prepared to go without

If you want to create room in your budget to make loan overpayments then you may need to make some initial sacrifices to do so. Expensive mobile phone contracts, entertainment systems, going out with friends, travel and clothes, for example, may not be possible for the first couple of years. However, once you’ve cleared that student debt then everything that you earn is yours to spend, whether you want to buy a home or travel the world.

Consolidate your debts

If you have several different student loans then you might be able to consolidate these into one. This not only makes repayment easier, as you have only one debt to think about, but also gives you the opportunity to reduce how much you pay overall. Look for a consolidated loan with a reputable loan company and with a lower rate of interest than you’re currently paying on most, or preferably all, of your existing loans.

Stick to the plan

Once you’ve made a plan to clear your student debt then stick to it – clearing debt requires ongoing commitment not to take on new debts or re-spend old ones.

 

4 Tips For Making Money Off Your Blog From Day One

Starting a blog is something almost all of us have the capabilities to do, however, making money off it is an entirely different ball game. While most of us think revenue will come with time, ensuring profit from day one will give you a much better advantage moving forward with your business. And if you’ve been curious about how to make money from your blog, then there are a few things you should consider. Check them out below:

Create An Amazing Brand

If you’re going to be creating a blog, then one of the first things you need to focus on is the branding aspects. Not only will this be how people separate your blog from the competition, but what it stands for and why they should follow. After all, a big part about not only having a blog, but a brand is that it’s a symbol for a common belief or culture. And if you’re genuinely going to make money from your blog, this needs to be a top consideration.

To begin, ask yourself what type of personality that your brand would have, as well as what that represents. A big aspect of branding is that it’s just as much science as it is storytelling. While you can have a logo that people understand, a big part of that recognition is also repetition. For example, LucidPress explains that color increases brand recognition by 80 percent, which goes to show how much the little things can add up. Work with some logo creators online to see what identity you could build, since having a great brand means creating a great blog.

Have A Monetization Plan

Although it might sound obvious, a lot of bloggers make their monetization plan a “worry about later” problem. However, doing that not only limits the value opportunity from the start but potentially runs the risk of having it never becoming a part of the conversation, getting wrapped into strictly creating content. If you’ve never considered how to make money with your blog, it should become a top priority as you get more involved.

While you don’t want to cheapen your brand by producing a bunch of work with little to show for it in regards to a reputation, it is important to be mindful of the type of work you could potentially make the most profitable. For example, the average rate for a sponsored blog post comes to about $50 per post (at the minimum), which shows there’s a variation of what could be produced. Draw out a few different avenues and price points that will make sense to you, as that will increase your value from the start.

Get Social With It

As it goes with most bloggers, being active on social media is a top priority to ensure engagement. This not only means getting people to visit your blog but interact with you on social platforms, lending your voice consistently to a multitude of platforms. And although you’ve probably already been working on social, it’s also something that is going to need quite a bit of attention to if you want your blog to thrive.

To begin, start looking at where the different audiences for your website are as well as how you can reach them. For example, a vast majority of Twitter users also report using Instagram. Being able to hit find repetition can be a great way of doing outreach. Furthermore, a big part of social is starting a conversation with those that follow you, allowing them to shed insights on what’s going on as well as how they can learn more. Remember, as a blogger, your main goal should be to help spread information; if you’re able to capitalize on that with social media, it will be much more powerful in the long run.

Keep Consistent With The Visuals

Finally, even if you think it’s something that will require too much work, providing visuals for both your social and blog posts will increase engagement tenfold. In fact, marketers say visual content is one of the most important mediums for their business, which makes sense considering how much more people can digest and form a reaction to it. From there, your content has much spreadability; however, first, we need to talk about your strategy on how to get there.

A big part of producing visual content is either having the talent yourself or bringing on someone that does to both photography and design, as those two core elements can go a long way. Furthermore, having a consistent track record and aesthetic is also a crucial element to look for in your hiring process, especially if your identity is early on. Remember, while no one said your identity has to be perfect from day one, it’s also something that should be developed over time to ensure success.

What are you most excited about in launching your blog? Comment with your answers below!

The Cost of Choosing to live the Greek Life

There’s no surprise about the appeal of Greek Life for many young women starting college. We’ve all grown up watching iconic movies like Animal House, Revenge of the Nerds, and American Pie Presents: Beta House that presents sorority and fraternity life as one endless party replete with fun, laughter, friendship, and good-natured rivalry. But as many people come to find out, there are pros and cons of the Greek Life, so before you join that sorority, it might be a good idea to weigh them.

Sisters for a Lifetime. Joining a sorority means you will develop friendships that last a lifetime. They will become your confidantes, your travel companions, and your go-to for just about every adventure. From sharing living space to sharing ceremonies and rituals in your coordinated sorority dresses, you’ll begin to realize just what it means to be inseparable. As a member, you will not only get a big sister, but you will also get an entire family to surround you. Remember that with any family, there are those that become our besties and others that are difficult to deal with on a regular basis.

Academic Support Group. Joining a sorority comes with an understanding that Going Greek means you are also Going Academic. You will be expected to get good grades, and, as a result of the sisterhood, you inherit a ready-made academic support group interested in helping you succeed. Despite what the movies portray, studying and maintaining a respectable GPA is part of the expectations of a sorority. Research has shown that the criticisms of Greek life as antithetical to the mission of academics on college campuses is unfounded, so you will want to get into an academic groove.

Social Identity. Perhaps you were not aware, but 80 percent of US Presidents since 1900 were members of Greek organizations during their tenure in college. Additionally, 85 percent of Fortune 500 executives and 40 of 47 Supreme Court Justices since 1910 were members of a fraternity.  Participation in social structures like sororities provides students with valuable knowledge that will affect their social life after college. Membership in Greek organizations affords young women a social identity and a context that helps to develop leadership skills.

Philanthropy. Another thing often hidden in Greek life is that sororities and fraternities often instill a culture of service and humanitarianism. While social involvement varies from organization to organization, as well as from chapter to chapter, almost all sororities are involved in some community service endeavor. Many chapters highlight philanthropic activities as a key component of Greek life, allowing members to showcase their interests and strengths individually and collectively. Many Greek organizations have taken philanthropy to the next level by raising large amounts of money for charitable causes and doing other things to significantly benefit their communities.

Diversity. Greek organizations are not the homogenous societies they have been in the past. While movies may still portray sororities and fraternities as houses of “like-minded” individuals like all the football players or all the cheerleaders, most organizations make a conscious effort to diversify their membership with regard to race, sexuality, gender identity and socio-economic backgrounds. While there is still work to be done in this area, finding and rushing well-rounded houses is a huge benefit to members.  It allows sorority members to participate in ongoing discussions about diversity, introduces them to a wide range of individuals from various background, and assists in the development of discourse skills required for success in the world beyond college.

Time Commitment. Commitments to your Greek sisterhood can seriously cut into a student’s time. During the pledging process, nearly all hours outside of class attendance are spent in meetings, completing tasks, or being present in the house. With all of the new-found friends, members can get overwhelmed with the need to contribute to social media, join sisters on a McDonald’s run, or attend the many events that are planned and require your participation. Your time management can be seriously tested, so if it’s not one of your strengths, you may need to consider how you will compensate.

Money Commitment. There is also a monetary commitment. The price of membership can be one of the largest expenses in a college budget next to tuition, with a single semester’s membership costing as much as $1000 for some houses. Not only membership dues, but other incidentals like membership pins, gifts for your big and little sisters, formal wear, items for mixers, and t-shirts can raise the cost of a college education by as much as 25 percent.

Deciding whether or not to join a sorority can be a weighty decision and should not be made lightly. Doing your research on the Greek organizations on your campus is one way not only to choose the house most clearly aligned with your interests and needs but also to determine whether going Greek is right for you.

What are some concerns you have about joining a sorority? Feel free to share your ideas here.

What you need to be aware of when trading CFDs

The first thing a potential trader of CFDs should think of is whether these instruments are the appropriate ones to focus when trading online. Even though CFDs represent an alternative to traditional markets, trading CFDs comes with certain risks that traders need to review beforehand. CFDs are complex financial products and it is not only a profit opportunity, but also a danger of losing capital.

Leverage

Leverage can be both beneficial and dangerous for your investment. Margin trading means your profits have the potential to be magnified, yet it is important to note that losses can also be magnified. Therefore, it is crucial to apply appropriate money-management techniques. While few percentage points in a favourable direction can yield a substantial return, a similar movement against your trade can diminish your trading capital. So, getting the right balance of leverage is the trick to make leverage work. Taking unnecessary risks exposes you to significant losses. A steady approach with trading CFDs can significantly minimize the impact of leverage when trades inevitably go wrong and reduce the risk of trading with leverage.

Trading costs

When trading CFDs there are costs traders need to be aware of. The most common type of cost on CFDs is the spread which is once-off when opening a trade. Additionally, a CFD broker may have overnight financing charges. This is a financing rate for holding open position overnight. Also, be careful when choosing a CFD broker as some might charge commissions, separate from spreads. Make sure you read terms and conditions for a clear preview on the costs before starting trading online.

No ownership

Trading CFDs means trading on the rising or falling values of a financial instruments such as shares, indices, commodities, currencies and more. Yet, the trader does not buy the asset in this case. When buying a share, for example, it delivers a periodic profit. However, trading CFDs highlights solely the current market price and its movement.

As CFDs are complex financial instruments, traders should be considering the disadvantages too. Despite their flexibility and availability, risks are also involved when trading online. CFDs are instruments traders and investors like to have in their portfolios, but it might not be the right trading instrument for every type of trader.

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