Is Consumer Credit Counseling For You?

Is Consumer Credit Counseling For You?

You’ve maxed out your credit cards. You’re paying your minimums, but your debt just seems to keep growing. No matter how many ways you try to manage your money, nothing seems to be working. If you find yourself in this financial dilemma, consumer credit counseling may be your ticket to financial freedom.

Unsecured Debts

Unsecured debts are like two edges of the financial sword. On one hand, the creditors cannot seize your property to balance your debt because the debt isn’t based on tangible assets. On the other hand, these debts can wreak havoc on your credit. Unsecured debts include debts like credit cards, student loans, medical bills, utility bills, and consolidation loans that are paid according to creditor’s terms.

If you are unable to make your payments according to the terms, these creditors will report your delinquencies to the credit bureaus. Each bad report will lower your credit score. As more and more companies base their decisions on these reports, your chances of securing anything from a new car, a house, renting an apartment, and even getting satellite television can be impaired, require large deposits, or be just plain impossible to get.

If you make your payments sporadically to your creditors or cannot meet the payments at all, the creditors may even seek a judgment to obtain payment. Judgments are court orders that allow creditors to garnish your wages, usually 25 percent from each check you receive. When you are already pinching pennies, this additional loss of income can be devastating to not only your budget, but also your life.

Managing Your Debt

Most people have minimal education about managing their money and their debts. There are plenty of resources to help you learn, but unless you have the time to sift through all the different methods and scout out the method that will work best for you, education yourself may seem like an insurmountable task.

You may even have that education and feel well equipped to handle your budgeting, but if you don’t have an income to match your debts, all the budgeting knowledge in the world may not be enough. And your debts are still there regardless of your education or your income.

How Consumer Credit Counseling Can Help

Consumer credit counseling can give you the backup you need. Usually, these credit counselors have the expertise that the average citizen doesn’t. They’ve studied the financial world and know how it ticks.

Using their services mean you don’t have to tackle your debt dilemmas alone. They have established relationships with major creditors and have studied financial law. Their services assist you in reducing your monthly payments by making new contracts with your creditors. Most will combine all your debts into one monthly payment and then divide that payment among your creditors according to these new agreements.

Many credit-counseling services also include educational articles or classes to help you gain some footing on managing your own debts in the future. Rather than finding yourself in an impossible situation, facing bad marks on your credit reports or possible court judgments, consumer credit counseling can help you regain control of your finances.

They are what they say they are — Consumer Credit Counseling — meaning they counsel consumers about their crediting and money management. And they are more than that — they give you the ability to learn how to manage your debts yourself and handle your current debt situation for you enabling you to start seeing black instead of red in your financial life.

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U.S. ECONOMICS: Consumer Credit Rises, but Below Consensus (INDEXDJX:.DJI)

U.S. ECONOMICS: Consumer Credit Rises, but Below Consensus (INDEXDJX:.DJI)
Consumer credit rose $ 10.5 billion in January, versus an expected $ 16.5 billion, after a revised $ 21.4 billion surge in December (was $ 21.3 billion). November's $ 14.0 billion increase was nudged up to $ 14.1 billion. Non-revolving credit remained the …
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Over 9700 consumer credit firms leave the sector
9,740 firms left the consumer credit sector after their interim permissions lapsed or were cancelled, according to data from the Financial Conduct Authority (FCA). Of the 33,699 firms that were eligible for interim permissions, 15,372 saw their interim …
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CORRECTION to Story on Consumer Credit
CORRECTION to Story on Consumer Credit. March 07, 2016, 04:26:00 PM EDT By Dow Jones Business News. Comment. loading. Shutterstock photo. (END) Dow Jones Newswires 03-07-161626ET Copyright (c) 2016 Dow Jones & Company, Inc.
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Avoid Counterfeit Consumer Products getting into Consumers Hands

Avoid Counterfeit Consumer Products getting into Consumers Hands

 

Every enterprise is sensitive about its brand. A brand is more than just a name or trademark. It is the identity of an enterprise reflecting its intrinsic nature and character. Hence, any dilution in the brand image and reputation leads to losses, both finite and infinite. The internet and its innovations had acted in favor of brand development, yet with activities such as product counterfeiting, it has resulted in loss of brand reputation.

A majority of brand protection solutions do not have product counterfeiting detection features and only scan the internet for trademark and brand abuses. Product counterfeiting, results in not just revenue loss but also brand reputation. For instance, in case of high-tech, pharmaceutical and luxury retail good companies where the margin of loses are high, the visibility to know the exact goods that being duplicated and the amount that are discounted becomes imperative in order to stop brand erosion and continuous revenue loss. To help this situation there are eminent companies that have come up with product counterfeiting solutions that offers 24 x 7 real-time monitoring to find the violators.

These advanced solutions have high-end search capacities and are designed appropriately for counterfeit detection in a vast selection of industries. It helps in tracing the brand violators and respond accordingly. The suspect criteria are not same for all industry types. For instance, in a high tech industry products that are generally sold at high discounts, 50 percent or more are suspects. On the other hand in case of pharmaceutical industry, price is not a main criterion as much as the volume of goods that are being sold via unrecognized channels. New age counterfeit detection solution helps to spot these suspects and high volume counterfeits.

Anti-counterfeiting solution offered by eminent service providers acts in the following ways :-

Apart from searching the internet proactively for counterfeits, the solution applies human intelligence to ensure total data integrity.

The solution enables pharmaceutical companies to significantly reduce the amount of duplicate drugs in the market by recognizing networks and syndicates high volume counterfeits.

Hence, it is important that you realize that your brand reputation needs protection from counterfeiting. Apart from locating counterfeits online, the solution can also help you shut down all illegal operations. The solution can automatically send, cease, desists DCMA letters. In addition to that, it offers automatic auction shutdowns. Furthermore, it has a network of authorized investigation and legal partners, who enable to streamline the enforcement process.

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On 19 November 2015 the Lithuanian President signed the amended and supplemented Law on Consumer Credit (“the amended Law”), which was adopted by the Lithuanian Parliament earlier in the month. Regulation on consumer credit activities will be …
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The best consumer

the best consumer

Consumerism is going on all-around and attaining sufficient recognition amongst masses. Customer training is obviously making its effect noticeable. Developing styles of implementing customer rights by a big portion of general public is self evident. However, popular conception of customer legal rights is now synonym with administration of rights through consumer forums just. Whereas consumerism by itself is a broad concept maybe not confined to enforcement just but about prevention, customer information, security, customer knowledge, redressal liberties and related consumer aspects. The administration through customer discussion boards possesses its own distinct part. Beyond that when we mention the customer liberties “information” on related facets of  customer rights plays a vital role for a consumer. Information from a consumer potential means to have information appropriate for pre purchase till post purchase.

A smart acquisition needs little bit of pre acquisition item analysis. As soon as we state study it means you could proceed through an over-all assessment and only a little inquiry concerning the product. Additionally includes someone you-know-who has actually purchased the item recently. This off hand information can be extremely useful.  At pre acquisition phase customer must get adequate information according of the marketplace which is best for a specific range of services and products. There was selection of committed websites supplying well-informed reviews associated with the product and specialists comments. Even on television networks you will find committed customer programs which give enormous of use information and guidance.At the same time frame you really need to by the decision keeping because your needs and spending plan.

You can have item information through the regulating authorities under the straight to Information Act. By simply making a simple application with requisite cost you can get all information in connection of the product if it’s supported. The endorsement generally given by the Govt by granting ISI mark, Star Rating, AGMARK etc. If in a electric product, begin score has-been offered along with doubts in regards to the energy savings you will get relevant information from Govt. Department. In case of food item AGMARK is awarded you ask for foundation which it had been issued. You could matter and ask for the knowledge the test conducted because of the officials before such grant.

Online is a good resource to have appropriate information about the product. In current marketplace scenario no enterprise may survive with out a user friendly web site. Website includes countless information which provides such information that is generally speaking unavailable using shopkeeper or showroom. The interest paid toward item can be more to comprehend the requirements compared to having it bought at shop. You can easily understand the different essential popular terminologies which are of good help to make the best choice. Although after all these types of information gathering, you feel cheated about any thing, then you can certainly publish internet based customer complaint as well to safegaurd your customer legal rights

Next comes being informed about the superiority, amount, effectiveness, wholesomeness, standard and cost of products or solutions in order to protect the consumers against unjust trade practices. No-one can ask you for more than the MRP written regarding the product and also at the same time it’s mandatory when it comes to company to print MRP on any digital gadget and is additionally good for solutions too. If some body charges you over the MRP printed in the item, it is possible to publish customer grievances with the body weight and measurement department and to the buyer courtroom besides.

Consumer liberties on our side to guard our valuable rights. However it is stated that “prevention is preferable to cure”. Therefore, we can equip ourselves with little understanding and knowledge which could get good way to truly save our valued time, money and harassment within hand of seller and company.

The Class-Action Ban-Wagon and Just What It Indicates to Consumer Protection Laws

The Class-Action Ban-Wagon and Just What It Indicates to Consumer Protection Rules
Rohnert Park, CA Consumers are becoming increasingly suffering from an enormous improvement in the options people have to fight unfair practices like consumer fraudulence done by corporations and companies, without even realizing it. What's much more, the …
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Global threat Technologies: European countries Warned of on line Fraud and Chargebacks danger
However, increasing numbers of chargebacks are deceptive, with a few consumers getting products without paying for all of them – a procedure called friendly fraud. Black Friday product sales disrupt regular shopping behaviours, making choosing and preventing friendly …
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With much better technology in the possession of associated with consumer, meals fraud will begin to
INNSBRUCK, Austria – Date tampering in food stores is in the news once again, and horrified consumers need to know just how it may be stopped. Throughout the last 12 months, reports from B.C., Ontario, Alberta and Quebec advise store staff members have-been asked to …
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Consumer Reports investigates fraud against seniors

Consumer Reports investigates fraud against seniors
JULIE, YOU'RE DIGGING INTO WHAT FAMILIES CAN DO TO NOT FALL VICTIM TO FRAUD. SCAM ARTISTS ARE TARGETING OLDER PEOPLE MORE THAN EVER, MAKING OFF WITH LARGE SUMS OF MONEY. IT'S A FRIGHTENING PHENOMENON …
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Georgians in the military to get information to protect them from consumer fraud
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Berman DeValerio Investigates Volkswagen AG for Consumer Fraud
BOSTON–(BUSINESS WIRE)–The law firm of Berman DeValerio is investigating Volkswagen AG (“Volkswagen” or the “Company”) for possible consumer fraud in connection with allegations by Federal and State regulators that the Company rigged …
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Latest Consumer Credit Information

About 2500 consumer credit cards impacted in Mohu internet site breach
North Carolina-based consumer electronics organization Mohu – an unincorporated unit of GreenWave Scientific, Inc. – is notifying approximately 2,500 consumers that bank card information along with other information had been compromised during an attack on the …
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FCA to probe credit pay schemes
The Financial Conduct Authority features launched a thematic analysis into exactly how credit rating corporations pay and incentivise their staff and handle the potential risks arising from these reward arrangements, as they can often lead to bad consumer outcomes. This thematic …
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U.S. Customer Credit-Historical
U.S. Customer Credit-Historical. By Dow Jones Business News, September 08, 2015, 04:02:00 PM EDT. A A A. Vote up. running. Comment. Share | Subscribe. Seasonally modified month-to-month data and alter in huge amounts of dollars. R denotes modified. Origin: …
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Consumer Fraud in the Retail Wrinkle Cream Market?

Consumer Fraud in the Retail Wrinkle Cream Market?

We often hear about wrinkle cream companies taking advantage of customers with products that do not work, or with outrageous prices.  It is not as common, however, to hear of consumers taking advantage of wrinkle cream companies, but it is happening all around the world.  Consumers are purchasing products from companies that offer money back guarantees and using the product without having any intention of honoring the charge.  They purchase the product knowing that they will be requesting a refund, regardless of the quality of the product.  Is this behavior to be condoned, or is blatant fraud?

Strangely enough, many consumers seem to think that this is a good thing.  Exhibiting total disregard for the companies that manufacture the products that they are purchasing, people believe that taking advantage of these companies is something to be celebrated.  They pay little attention to how they would feel if they worked a whole week and then their boss said to them sorry we aren’t gonna pay you.  There is no way to get that work week back, and the services are already rendered.  The same is true with these wrinkle creams.  The product is already used, it has already been paid for to manufacture, but consumers happily exploit these companies that offer money back guarantees.

What makes this even worse is that they are attacking the companies that are actually taking their customers into consideration.  If they did not care about the satisfaction of their consumers they would say that all sales are final, as many companies do.  But they do not.  In an attempt to do business by backing up the products that they create, they expose themselves to these predatory consumers who go from company to company without ever intending to honor their payments.  It is a sad state of affairs when you stop to think about it.  It’s a little like buying a dress wearing it and returning it, only the store at least gets the dress back and can resell it.  Wrinkle cream companies are left simply losing profits. 

While there are some wrinkle cream companies that do not offer quality products and do not offer refunds it is hardly a reason to take it out on other companies.  And while we understand that there are a few scams out there where consumers are being taken advantage of, it hardly makes scamming honorable companies acceptable.  It makes companies question whether or not to offer these guarantees to consumers and then everyone will lose.  These refund scammers are having a major effect on many companies in these already troubled economic times. 

From a business standpoint, you cannot afford to leave a profit leak of this proportion open.  It has been identified and its solution is easy, simply stop offering it.  But then the rest of us consumers who purchase products in hopes that it works and we can continue to use them do not have the comfort of knowing we can get a refund if we have a reaction to the products.  The behavior of a few consumers who are blatantly exploiting these wrinkle cream companies is having major effects on these business and before long it will start having the same effect on the rest of us.  As consumers we need to reconsider our behavior before we start purchasing things that we can either not afford, or that we intend to return.  If this would be happening to us, we would feel much differently about it.  If you are going to purchase a wrinkle cream or any anti aging product, do so with the intention of keeping it.  If you have a reaction to it, then feel free to return it, but do not just purchase it intending on scamming the company, it hurts us all.

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Protection Is Ensured To Customers through Consumer Fraud Act

Protection Is Ensured To Customers through Consumer Fraud Act

Buying the products and services that are available in the market is a very common thing. The businessmen promise to offer the best products to the customers. It is the quality of the products and services offered that ultimately determines whether a consumer will remain stick to a particular product or will move towards some other brand. There are many brands that guarantee a good quality product to the customers and live up to the expectations of the consumers. While, there are some business owners who promise of providing quality products and services but hardly do so. This is where the Consumer Fraud Act comes into existence.

Believing on certain brands becomesa big mistake for the customers, sometimes. This is because the brands are very often found to be untrustworthy. The products and services they offer are of no quality, but the promise they make in public drives the individuals to buy the products, which turn to be a wrong decision for the, Consumer Fraud Act has been introduced to make sure that the customers do not have to face any negative reactions because of using those products. The Consumer Fraud Act specifications that are made such that the businessmen practicing fraudulent businesses are punished severely.

In most of the cases, however, it has been seen that the consumers, though they know they have been fooled by some brand, do not take any action against the companies. This may be because either they don’t really want to be involved in any kind of legal affair or they are not aware of what to do when they are trapped in fraudulent deals with the brands. Thus, every individual is expected to get a good knowledge about the Consumer Fraud Act and know about the specifications make over there. This way they will be able to get the courage to fight against the fraud business owners with full confidence.

Due to the increasing number of fraud businesses or companies aiming at product sales, it has been observed that the consumers prefer to remain stuck to the already existing brands than opting for a new option. Consumer Fraud Act protects the customers by preventing any kind of fraudulent business dealings to emerge in the market. If you have gone through such difficulties or you desire to remain prepared from now, consult the Lemon law attorney as they can be the best help for you consumers in this case.

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Latest Consumer Credit News

Enova Supports Providing Rules that Always Make Sure Customer Protection While
"Enova has long supported regulation that ensures providers of credit for middle and working course customers, whether or not they tend to be banking institutions or any other lenders, follow a standard pair of rules that provide protection for customers whilst ensuring credit is …
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Credit agency price buys time on medical conflicts
Within the settlement is a 180-day waiting period to produce extra time for insurers, customers and health-care providers to eliminate health payment conditions that can tarnish a consumer's credit score. “It's a fairly considerable expansion,” stated …
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Consumer credit climbs at 5.2percent rate in November, slowest pace in 12 months

Consumer credit climbs at 5.2percent rate in November, slowest rate in 12 months
WASHINGTON (MarketWatch) — customers enhanced their using credit in November because of the slowest speed in a-year, Federal Reserve data circulated Thursday tv show. Consumer credit expanded at a seasonally adjusted annual rate of 5.2percent in November, for a gain …
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Revolving Credit Rating Dipped in November, Fed Says
Revolving Consumer Credit Dipped in November, Fed States. by Kevin Wack. JAN 8, 2015 4:37pm ET. Revolving credit within the U.S. fell in November because of the largest quantity in per year, in accordance with a written report Thursday from Federal Reserve Board.
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Diet Pills and Consumer Fraud

Diet Pills and Consumer Fraud

 

Truncate, exploding animation spans.  And both fast pills retributive plug far along. But one hallmark that relic  factual active the fast tab business is that there’s ever some new  “find” with a new set of promises that aren’t easily verified.

 

 

Cortile is one of newer generations of fasting pills. Cortile promised to turn fat around the stomach by reducing levels of the “inflection hormone” cortex. In October of 2004, the  FTC effervescent the makers of Cortile of claiming falsely and without  substantiation, that their products can crusade metric going and slenderize the  essay of, or foreclose, grave welfare conditions.

 

 

According to the FTC, the defendants  began marketing Cortile in Venerable 2003, through nationwide disseminated  infomercials featuring Cinnamon and Talbot that ventilated on a number of  broadcasting channels, including Attain Television, Steering Steer, and  Breakthrough Line. The FTC alleges that the defendants promoted corticosteroid  restrain as “the solvent” for

  Anyone who wants to recede weight, especially abdominal metric how do you diet. According to the FTC’s ill, the defendants’ broadcast ads,  photograph ads, and Web sites claimed that persistently elevated levels of  corticoid, the “emphasize secretion,” are the inexplicit venture of  weight get and coefficient retentiveness and also claimed that Corte Slim  effectively reduces and controls corticosteroid levels and thereby causes  material unit expiration.

 

 

The FTC alleges that the defendants claimed that Corte Slim: (1) causes metric loss of  10 to 50 pounds for virtually all users; (2) causes users to retrogress as much  as 4 to 10 pounds per period over quaternary weeks; (3) causes users to  retrograde unit specifically from the abdomen, breadbasket, and thighs; (4)  causes fast and substantive weight departure; (5) causes long-term or ageless  unit departure; and (6) causes coefficient death.

 

 

The FTC also alleges that the defendants claimed that the powerfulness of Corte Slim and its ingredients is demonstrated by over 15 age of technological explore. According to the FTC’s  ill, these claims are inharmonious withdrew their initial publicizing, and  adoptive a tamer skyway, but not before lawyers started grouping signatures for  a instruction mechanism check alleging trickery.

 

 

Which raises the rudimentary ponder  – how far give help me diet pills  and else confusable products be allowed to enlist in impugn able publicizing?

  Medicament drugs are required to succeed some tests to demonstrate their quality and device. But with over the negative and herbal remedies, manufacturers can essentially involve some they deprivation of their products without business any rumination results. This creates a scenario where companies nearly hit a river lightweight to kind outrageous claims roughly fast products. The makers of Corte slim are said to  hump made $ 50 Meg.

 

But when the authorities put a affiliate in the crosshairs, another lawsuits are nearly always shortly to persevere. Within a few life of the Vaux indifference, a gathering spread proceeding was filed.  These trends leave sustain, and if the FTC stays help me diet militant in pursuing unharmonious publicizing, the incentives for bad marketing  practices on unproven fast pills will decrease

Consumer

Consumer
In economics and marketing

Typically when business people and economists talk of consumers they are talking about person as consumer, an aggregated commodity item with little individuality other than that expressed in the buy/not-buy decision. However there is a trend in marketing to individualize the concept. Instead of generating broad demographic profile and psycho graphic profiles of market segments, marketers are engaging in personalized marketing, permission marketing, and mass customization.

There is increasing backlash from the public over use of the label “consumer” rather than “customer”, with many finding it offensive and derogatory.

In law and politics

Within law, the notion of consumer is primarily used in relation to consumer protection laws, and the definition of consumer is often restricted to living persons (i.e. not corporations or businesses) and excludes commercial users. A typical legal rationale for protecting the consumer is based on the notion of policing market failures and inefficiencies, such as inequalities of bargaining power between a consumer and a business. As of all potential voters are also consumers, consumer protection takes on a clear political significance.

Concern over the interests of consumers has also spawned much activism, as well as incorporation of consumer education into school curricula. There are also various non-profit publications, such as Consumer Reports and Choice Magazine, dedicated to assist in consumer education and decision making, and Consumer Direct in the UK.

In the context of the Indian Consumer Protection Act 1986, a consumer is clearly differentiated in that a consumer consumers a commodity or service either for his personal domestic use or to earn his livelihood. Only consumers are protected as per this act and any person, entity or organization purchasing a commodity for commercial reasons are exempted from any benefits of this act. Furthermore, Indian case law has quite a few references on how to distingush a consumer from a customer.

In intelligence studies

Within intelligence studies, it refers to the political staff consuming and requesting intelligence.

References

^ Cross, Robert G. (1997). Revenue management: hard-core tactics for market domination. Broadway Books. pp. 6671. ISBN 0-553-06734-6. 

^ http://mistinthegarden.com/2009/02/04/dont-call-me-a-consumer/

^ Krohn, Lauren (1995). Consumer protection and the law: a dictionary. ABC-CLIO. ISBN 0-87436-749-2. 

^ “An Institutional Analysis of Consumer Law”. Vanderbilt Journal of Transnational Law. http://law.vanderbilt.edu/journals/journal/35-01/overby.htm. Retrieved 2007-01-29. 

^ “Consumer vs Customer”. Consumerdaddy.com. http://www.consumerdaddy.com/a-23-consumer-customer.htm. 

See also

Wikibooks has a book on the topic of

Category:Consumer

Alpha consumer

Consumer debt

Consumer leverage ratio

Consumer theory

Consumerism

Consumers’ cooperative

ConsumerSearch

Consumption

Coolhunting

Mass customization

Mental health consumer

Consumer reporting agency

Consumer protection

Consumer organization

Consumer Direct

National Consumer Agency (NCA)

Informed consumer

Consumer forum

Categories: Economics terminology | Consumer theory | Marketing

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Consumer Action Law Centre warns against 'credit repair' businesses promising

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Lender allowed to foreclose but punished by court for violating Consumer Fraud

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