Window Diseases and Remedy Steps for Windows Lexington Trusts

Knowing when to repair or replace your windows makes the difference between saving and wasting precious energy. According to the U.S. Department of Energy, 30 percent of energy is lost in homes as a result of windows of substandard quality or improper window installation. You can start on the path to an energy-efficient home by checking every window in your house; being exposed to the elements and all, they must be worn-out by now. Creaking Does your window, make a creaking sound when they are opened? If they are, consider doing some do-it-yourself repairs before calling in your local contractor. The creaking may be caused by a number of factors such as rusty hinges and parts distorted by extreme weather. Replacing the rusty parts with brand new ones is a good start, allowing the windows to seal themselves firmly. Jammed Do you exert too much effort in opening windows, especially double-hung ones? After some time, windows may end up being jammed, making them nearly impossible to open when necessary. Forcing the windows open is not recommended because it may just damage the sash frame, making matters worse.

There are many ways of solving this problem such as oiling the sides or cleaning the sash frame. Cracks Whether in the window frame or the glass panes, cracks are bad for a home designed for saving energy. Small as they are, they can cause heated air out of the house which forces people to crank up the thermostat. No wonder people spend a lot on their energy bill with cracked window frames and glass. The frames of windows Lexington residents trust probably can still be fixed; but for broken glass panes, they have to be replaced. Constant shutting This is a problem commonly plaguing double hung windows Lexington KY residents have. The movable portion of the window refuses to stay up and slides back down. Home improvement points to a broken sash cord as the source of this recursive problem with double hung windows. In this case, you have to take the entire window out and replace the sash cord as per the manual that usually comes with the window. Rotting. In general, windows Lexington contractors offer only lasts for several years before it starts to weaken. In this case, you are better off replacing it with a fresh one than spending too much on repair work. While considering replacing windows, consider getting ones with a sleeker design and better energy efficiency.

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Career Planning Via Commercial Phoenix Real Estate

Building a career path in any organization business could be challenging. Although most industries are relentless in their access, the Phoenix Real Estate sector is among the few that allow painless career building, besides it has quite a higher rate of monetary return after you establish yourself. The estate sector as a whole is an enormous sector that is separated into two separate departments, private and commercial Property. Although both share certain popular goals, commercial Buildings is the place to be in If you desire to produce a mark in this business. Just like the other sales industries, this too requires wise selling techniques, analytical abilities and market knowledge in order to Acquire a deal Through.

There are several designations you might adopt in order to Get into the commercial Asset organisation but what most people prefer is being a Phoenix Real Estate agent. As a career alternative, being an agent is Appropriate up there with the quite perfect career substitutes you might choose from. But your selling capabilities want to be sublime in order to pull off a deal. Contrasting to other selling environments were each time you do not sell it doesnt affect a lot, here every time a Asset goes unsold It should cost a considerable amount of finance besides you lose out on irreplaceable time.

With the Phoenix Real Estate market constantly evolving, you need to have to be on your toes by being up to date on every facet of the situation at all times. It is not just selling capabilities that is going produce the deal a victory, dialogues also play a major role. In fact most times it is your dialoguing credentials along with your knowledge of the market situation which will support you negotiate a deal with success. When dealing with commercial Sites, most times Youll be dealing with wealthy investors or organisation leaders who are well versed with all the procedures. Impressing them could Find fairly tricky as you would invariably require supreme communication abilities to Acquire the deal Through.

Today there are various professional Universities that teach the trade of a Phoenix Real Estate agent. Studying from one of these institutes could support you negotiate deals quickly besides making you self confident. Although to obtain sublime capabilities Youll want to spend considerable amount of time in the market.

We are a Phoenix Real Estate company, serving our customers for years now. If you would like to invest in a premise for yourself, then call us. When you are searching for Phoenix Realtors in your region please go to our internet site today by simply clicking the backlink.

October 21, 2011 – In December of 2010 Congress passes legislation that determined the estate and gift tax for 2010 through 2012. The director of Principal G…

Wills – Leaving Money To Charities

More recently it has become ever more common for people to leave money to charities. Anyone can do this, it is not just those people that do not have close relatives or do not wish to leave their estate to anyone. The first step is to check whether the charity you wish to leave money to is still a registered charity and that you have the correct name and address for so that it is completely clear in your Will which charity you intend to leave your estate to. It would be ideal to obtain the charities registration number which will clearly state all the charities details so that no confusion is made.

If you are intending to leave your whole estate or a substantial part of it, then it is advisable to check with the charity first before you draft a Will. The charity may then be able to suggest a suitable clause to insert in your Will which would make it easier to distinguish exactly what will need to be done with that part of the estate.

A benefit to leaving money to a registered charity is that the gift will be free of inheritance tax that is assuming that your estate exceeds the inheritance tax nil rate band. This will completely depend on how the estate is divided between a normal beneficiary and the charity in question, as this can increase or decrease the amount received by the charity. If the individual beneficiary named in your Will is entitled to a legacy (a gift of money) and it bears its own tax, and the charity is intended to get the residue of the estate, then the residue can be greater than if the charity was intended to receive the legacy and the individual was intended to get the residue of the estate because of inheritance tax.

I am a legal writer covering advice on topics of law, for further text and similar works visit Wills or contact a solicitor today.

For more legal advice and information, and for free legal resources I suggest you visit

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Confused About Retaining A Lawyer? Read This Article!

Having to go to court is definitely stressful but you can make things better by finding a reliable lawyer. Choose a lawyer that you are confident in and allow them to lead you. Keep reading to learn more about your encounter with a lawyer.

You may not know about attorney and client confidentiality. So if you tell them you’re guilty, your company’s secret recipe or your wife’s age, they can’t tell a soul.

Why not have a lawyer ready to go in case something happens by putting one on retainer? This will allow you not to be under too much pressure so you’re able to take some time when you’re looking for a trustworthy lawyer. When you retain a lawyer, you have help when you need it.

TIP! While it’s true that you are the employer in a client-lawyer relationship, you must also have faith in your lawyer’s insight. Do not hesitate to speak up if you are not comfortable with something your lawyer says.

You should not hire a lawyer until you have a proof they have won similar cases in the past. You will want to get someone who has a lot of wins in your cases. If the information isn’t online, they should be able and willing to give it to you.

Don’t pay a high retainer fee. This may not be given back to you at the end of your trial. Talk to other lawyers to see if they’ll take less or no retainer at all.

Feel Comfortable

When meeting with your attorney, always ask questions. A lawyer that’s good will be able to explain to you exactly what they’re doing during your case. You may want another lawyer if the one you have will not give you any details.

TIP! When looking for a business lawyer, try getting some business recommendations. Companies who provide many services to legal bigwigs may help you locate a great lawyer.

Make sure that you feel comfortable in every way about the lawyer that you chose. A top lawyer has the right expertise and good people skills so that you feel completely at ease when you see him. Look for another lawyer if the professional you hired does not make you feel comfortable.

Use online services to browse through listings of local lawyers and even look at reviews written by clients. Background research will also be required before you hire any particular lawyer.

Ask your lawyer if there’s something you can do in order to cut costs. Maybe you can assist in getting the court appearance paperwork ready. If there is paperwork to be picked up at the courthouse, offer to pick them yourself so you will not have to pay the office staff to do it.

Trust is an extremely important part of the lawyer-client relationship. This is particularly important when you need a business or professional lawyer. They may ask for retaining fees and blank checks. In such cases, your financial future is at stake. Be sure to cover yourself the best you possibly can.

TIP! When picking out a lawyer, be sure you learn whatever you can about their reputation. Check with the local bar association and online reviews to find out what people are saying.

Preparation is the key when planning to meet with your lawyer. They get paid hourly. When you are looking for paperwork or asking them to wait for you, you are paying for their time. You can reduce the cost of meeting with your lawyer if you prepare everything you need to talk about in advance and make sure all your paperwork is ready.

Figure out everything you can on the legal issue you’re having prior to looking for a lawyer. If you don’t understand what the issue is, how can you choose a lawyer that is going to be the best suited for your case? Research your situation. This will help you make the best choices, which will significantly improve your odds of winning.

If you have a legal matter to attend to, finding the right attorney can make all the difference. Choose a lawyer who is qualified and has experience instead of focusing on prices. Keep these tips in mind to better your chances of winning your case.

When you look for an attorney, be sure they specialize in your kind of case. You should be able to find lawyers specialized in divorces, bankruptcy, real estate law or many other things. Finding a lawyer who specializes in your type of case will help you out down the road.

Trusts, Wills And Estates Prepare Now

Most people think of a will as something to fear or something that needs to be done later in life. Unfortunately situations do occur; situations that can leave a person incapacitated or worse. These are the types of circumstances that require discussion of wills, trusts and estates the types of circumstances that not nearly enough people are prepared for. When something unforeseen happens, or untimely death occurs, a will and other legal documents can ensure that a persons estate is protected, that their family is taken care of and that their wishes are carried out exactly as specified.
What is a Will?
A will is a legal document that carries out a persons last wishes. It is a typed or handwritten statement with directions as to how to distribute an estate. A persons estate consists of any assets that are legally owned, including cash.
Used for hundreds of years by the Ancient Romans and refined by the British, wills have been long used to bequeath estates to benefactors that are specifically chosen by the writer of the document. The have been used to fight against royalty, save families and have been known to save thousands of animals with well-meaning donations and bequests.
Why Have a Will?
Creating a will is one of the most important things a person can do in their lives and the sooner, the better. Talking about death or unfortunate circumstances seems to leave people with a sick feeling. The reality of life is, death; theres nothing more certain. Writing a will doesnt speed up the process, it simply leaves a person prepared for the inevitable; which could be the best decision they ever make.

A Legal Will can:

Protect your family: By personally directing your assets to your spouse, children or family, you can ensure that they thrive.
Name an executor: By naming an executor in your will, you can be sure that someone you trust is dealing with your precious possessions.
Help carry out your last wishes: Whether you always dreamed of having your ashes spread in the ocean or that the local humane society inherits your whole cash estate, your will can see to it that your dreams can come true.
Avoid long delays in settling your estate: When you have a legal will, there isnt much to dispute.
Help you recognize your loved ones: If you always wanted to leave your cherished coin collection to your best friend, your will can ensure that it happens.
Appoint a guardian: Through your will you can state exactly who you would like to have raising your children in the event of you and your spouses inability.
Name your own beneficiaries: Your will can state exactly who gets what and how much. Without a will, your whole estate will go to a court appointed beneficiary and in some cases, this may not be your wish.

Without this simple legal document, many of these decisions will go through the court system which can cost our loved ones and family time, effort, money and emotional well-being.
Be safe instead of sorry and prepare your will today.

Lilly Gordon is a freelance writer and web publisher. She is an avid researcher and is currently studying Alberta Family Law.

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Get Appoint Today San Diego Estate Planning Attorney



Just before make your appointment with a planning / estate lawyer, you should think about the following:


-Make a record of all feasible assets.

-Do come again? You want to give control of estate attorney.

-If you contain small kids, what would you similar to to become a protector angel, if you pass away and your wife?

-create a list of all cost.

- secure storage of legal papers.


Do you cover a will in position? Is it the newest, with anticipation reading this saying is yes I comprises a will 15 years in the past and actually think it is the there? There are a group of changes in legislation and your individual situation that it needs to be updated. Every condition has its own sole laws so make sure you work with a local setting up / estate lawyer who concentrate in local preparation for the people of the community.

It determination also believe and decide wisely your manage of attorney.

You will wish for to run? For eternity make sure that detailed medical in sequence about your preference when you continue alive or contain to live in a treatment home. This individual will have to be bold, even if others have different opinion in the family.

The furthermost need is your kids.

Do you cover a person in brain that your kid’s safe while you die? Did you obtain care of a faith for your offspring? You have to put together certain that you go away the money goes in a straight line to your kids and not to someone else if they want to be care for.

State you are in San Diego, be sure, a San Diego estate planning lawyer who know how to dial the restricted laws. Many countries have set strict restrictions when it comes to you as your recipient, trustees, lawyers and replacement name.

If your monetary state of affairs is opening to more complexes, you require a lawyer who need all the hold, advice and official procedure you to ensure that the whole thing is made obtainable to correct it.



John Brite

Make appointment today with San Deigo planning Attorney Please visit 


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Proper Elder Nutrition

As people progress in age, so do their dietary needs.  It is extremely important that the aging follow a diet that will properly aid and nourish them.  Elder nutrition doesn’t necessarily follow the same guidelines that young to middle aged adult nutrition does.  Some specific and key elements must be incorporated to combat the aging process.

When we are young, we are told by our parents, families, and schools about how important it is to eat properly and to maintain a balanced diet.  We are shown the pyramid and told that we should have a certain number of servings of this per day and different number of servings of that per day.  And as we embark on this journey of a healthy lifestyle, there are usually people there along the way who guide us and help us in making the proper decisions.  Well as we get older, fewer and fewer of those people are around, so it is important that we be able to make those decisions on our own.

When an adult advances to an older age, they become more susceptible to illnesses and diseases because of a decreased immune system.  One of the best ways to combat this is to make sure that one follows a nutritious and healthy diet.  That alone can aid in preventing many diseases that might otherwise become a real problem for those who are more advanced in life than others.

So you must be asking: what guidelines and standards should and older person be following when planning their diet?  Here are some of the best guidelines to follow:

Place emphasis on fruits, vegetables, whole grains, and dairy products that are fat-free or low-fat.
Make sure to include lean meats, fish, poultry, beans, eggs, and nuts in your diet.
Eat food that is low in saturated fat, trans fat, cholesterol, sodium, and added sugar

To elaborate: you want to make sure you are getting enough of each recommended food group as follows: 

Fruits. You want to make sure that you are eating a variety of fruits (frozen, canned, fresh, dried, or otherwise).  When following a 2,000 calorie diet, you will want to intake approximately 2 cups of fruit per day (that’s equivalent to approximately one large banana and one large orange).

Vegetables. When selecting vegetables, you will want to focus on dark green veggies such as broccoli, kale, and other leafy greens.  Also include orange vegetables such as carrots and sweet potatoes, and be sure to intake a variety of beans like pintos or kidney beans.  For someone on a 2,000 calorie diet, approximately 2½ cups of these kinds of vegetables should be eaten daily.

Calcium Intake. Each and every day, aging adults will want to include 3 cups of low-fat or fat-free milk or yogurt.  Low-fat cheese can also be very nutritious.

Whole Grains. On a standard diet (of 2,000 calories daily) 6 to 7 ounces of grains per day are needed.  Half of this daily allotment should be whole grains.  This could be whole grain pasta, bread, cereal, crackers, or rice.

Lean Protein. Select lean meats to either bake, broil, or grill. Also, vary your choices eating more fish, beans, peas, nuts, eggs, and seeds.

Be aware. Read the Nutrition Facts on each product to ensure that it is low in cholesterol and trans/saturated fats.  You also want to look for foods that have high levels of vitamin D and vitamin B12.  Also watch for sodium and added sugar levels.

With all of these guidelines in mind, it should be fairly simple for an older adult to adjust to a healthy and nutritious diet. 


Wayne Abraham is the executive director and owner of Personal Care Inc. in Greensboro, NC. His company provides quality

About Chapter 7 Bankruptcy

By Henry Paloci
Bankruptcy Attorney
Real Estate Attorney
Licensed in California and Florida

In Chapter 7 — which some people call “straight bankruptcy” but is more accurately called a “liquidation” case — you essentially give up all of your assets, and in return you get out of all of your debts. This is a gross oversimplification, of course, but it illustrates the difference between Chapter 7 and Chapter 13.

A Chapter 13 case is designed for a wage earner who has the means pay at least some amount of money toward her debts, and it provides for a debtor to create a Plan to repay part of her debts back over a period of time — usually 36 or 60 months, depending on the debtor’s situation. In Chapter 7, you just walk away.

Of course, you don’t give up “all of your assets” in Chapter 7. Certain assets are exempt, which means that you get to keep them. For example, people in California who dont own a homestead (or if their home has no equity) can claim wild card exemptions of just over $ 23,000. This means that the first $ 23,000 of your assets cannot be taken in Chapter 7 and that doesnt even include retirement accounts. Most of our clients do not have to worry about giving up anything in Chapter 7.

Similarly, you aren’t relieved of all of your debts either: some debts, like student loans, can almost never be discharged. Others, like income taxes, can be discharged under limited circumstances. And debts that have arisen due to fraud or intentional tort (like, for example, the O.J. Simpson civil judgment) are generally nondischargeable.

A Trustee will be appointed to your case. The trustee is in charge of your bankruptcy estate and technically controls all of your assets while you are in bankruptcy. The trustee will determine whether you have any non-exempt assets, and, if you do, will liquidate those assets and distribute the proceeds to your creditors.

A discharge is an order entered by a U.S. Bankruptcy Court Judge that forever prevents creditors from taking any action to collect on your personal liabilities existing at the time you filed for bankruptcy. The discharge is the order that you want and is the reason why you file bankruptcy. In most cases it takes 4-5 months from the time of filing until you receive your discharge. The judge will issue a discharge after the Court determines that you qualify for a Chapter 7 discharge. Usually you do not have to appear in front of the judge in Chapter 7.

Certain requirements must be met for filing in Chapter 7. You may not be permitted to file under Chapter 7 if you have enough money after meeting expenses to repay your unsecured creditors. In that case a Chapter 13 bankruptcy may be appropriate. Other requirements exist but listing them would make this FAQ too large.

Most of my Chapter 7 clients don’t pay or give up anything in liquidation because they don’t have anything to begin with. When my clients do have assets that they want to keep through bankruptcy, and those assets cannot fit into an exemption, we usually encourage those clients to consider Chapter 13.

In Chapter 7, you are generally allowed to keep assets that secure a loan (like for a car or home) provided that you are current on the payments. You will have to surrender or catch up the payments on a secured asset if you want to keep it in Chapter 7.

Chapter 7 is generally the simplest and most streamlined of the forms of bankruptcy that consumers might consider. It takes less time and costs less in attorneys fees, but Chapter 7 has limitations. Chapter 7 will not be right for you if you earn too much money, have an ability to repay your debts (even if just a small amount), or if you are behind on your home or car and want to keep it. And if you want to make use of an option in bankruptcy such as redemption repaying the fair market value of a vehicle or home instead of what you owe you will definitely want to examine the benefits of repaying over 3 or 5 years in Chapter 13 before you consider filing Chapter 7.

Chapter 7 is the best alternative for a lot of people. Although you can file Chapter 7 without an attorney the forms are readily available I strongly discourage this practice because it is easy to make a mistake in your disclosures or exemption elections that costs much more than the lawyer would have cost in the first place.

Disclaimer: This is general knowledge and not legal advice. Please consult a professional in your jurisdiction for advice specific to your situation.

Henry Paloci is an attorney practicing bankruptcy law and real estate law since 1997. Henry Paloci is licensed in California and Florida. For more information visit

A Heartbreaking Story of Elder Abuse and Legal Thievery

Until relatively recently, I was unaware of how rampant elder abuse is within the legal court system.  For almost the last two decades, my life has been consumed by helping as many people as I could in a different way than most give help.  I have informally counseled and helped thousands of people through the publishing of my book, as well as in private sessions as a medium/psychic.  It was not until my good friend started to share her story with me that my eyes were opened to something far more prevalent than I was cognizant of; at least on a conscious level.

I have been privileged to know Diane for over five years.  During that span, she has never been anything but helpful, loving and compassionate to everyone.  Doing what I do for a living generally makes me able to be a pretty good judge of character.  Ironically, it is a judge and his decisions that prompted me to write this article.  The choices and attitude he has expressed have been protected by legal statutes.  While they might be legal, they are far from moral, ethical or compassionate.

This all began approximately two and a half years ago.  Diane’s mother had given her power of attorney and named her the healthcare proxy.  Like many families, there were disagreements with the siblings.  Diane was being told that her brother and sister wanted to sell their mother’s home and place her in a nursing home.   While this elderly woman, Dorothy, had some early dementia and knee problems, she was still a vibrant, cognizant person.  She had no interest in being displaced so that those two could have her money.  Diane’s family suggested she file for legal guardianship to protect her home and to protect her mother’s life as well. It seemed to make an abundance of sense. 

To tell the events of what unfolded quickly is really an injustice to the elder abuse that has incurred since.  The siblings contested the petition for guardianship.  Instead of reaching a mediated agreement, the judge listening to the case decided he would be better at making decisions for everyone.  He assigned a law guardian and a healthcare manager.  It appears these three have worked together before.  Diane was immediately removed from what her mother wanted; to have her take care of her needs if there was any reason for it.  As it was, Dorothy would spend many weekends at Diane’s house.  It must be noted that Diane works from home and took care of her father in his last years.  It would give Dorothy a change of scenery and much appreciated love and companionship.  All of that was about to change.

Diane, rightfully, brought in a lawyer to help overturn the judge’s decision.  This attorney had handled her parents’ legal needs in the past.  Not only was he familiar with the family dynamics, but he had intimate knowledge of what Dorothy wanted.  He was even going to represent Diane pro bono.  All he wanted to see was that this aged woman was allowed to live happily at her own home, or with Diane.  The Supreme Court judge, based in Nassau County, New York, took it upon himself to unfairly disallow the attorney’s generosity and right to represent Diane.  It was the first step in a string of negatively prejudicial rulings against my friend.

The law guardian requested that a reverse mortgage be approved for $ 275,000 on Dorothy’s home of six decades.  In open court, opposed by some, this magistrate authorized the financial decision and stated that the money would allow Dorothy to remain in her home for at least five years.  It is now only two years later and all of that money has been spent.  In addition, social security and a couple of small pensions were still coming in.  In a mere twenty-four months, more than $ 325,000 had been frittered away! 

As of the writing of this story, the judge has ordered Dorothy into a nursing home.  In his ruling, he admits this goes against Dorothy and the family’s wishes.  The law guardian, healthcare manager and another person showed up unannounced and told Dorothy they were taking her to the doctor to check on a problem she was having.  Dorothy, now eighty-seven years old, willingly went with them.  She was hustled to a nursing home that was a distance far from the only child who has been battling for her freedom.  She is frightened beyond belief. 

The lie to get her into the car is one of a long string of deceptive tactics used by the law guardian, healthcare manager and the judge himself.  There has been hearing after hearing over the last thirty or so months where the three of them have waged a war of defamatory statements, incredulous lies and perjury against Diane.  They have fought the only daughter looking to do the right thing for her mother, with their end game being a complete bleeding of Dorothy’s modest estate.  Her health has been compromised, and from my outsiders view, it was done solely to line their own pockets.  The tragic thing in all of this has been that the judge, elected to uphold the rights of all people, has spearheaded his attack on an elderly woman.

How I wish I could condense hundreds of pages of documents into a short article.  There was the theft of over thirty thousand dollars of jewelry.  Dorothy stated that her other daughter absconded with it and she has been asking to have it returned.  The supposed law guardian knows about it, but has refused to step in.  There was a sworn statement from another legal person stating that from all of the interviews she had with people familiar with the family, that Diane was seen as the most loving and giving child of the three.  It states that her brother is known to have a violent temper and would be a danger to his mother.  In court, the very same woman stood before the judge and said that this same man would be the best person to have Dorothy live with.  In my opinion, these egregious actions of Diane’s siblings has been overlooked in exchange for their support in allowing all of this to go on without their objections.

As I sum this up, I would share with you that there was a previous time that Dorothy was locked away for thirty days in another facility.  She was denied the chance to be taken out by Diane for Thanksgiving, nor was she allowed to attend her only great granddaughter’s christening; something that she wanted very much to be a part of.  In trying to support Diane in whatever limited way possible, I have found that elder abuse is a much broader problem than I was aware of.  The National Association To Stop Guardian Abuse (NASGA) has stepped in to help with this case; one of a multitude they are bringing to the attention of Congress and other law related committees. It seems like power-hungry people who are trusted to protect the rights of our senior citizens run amuck and take advantage of them, their families and so forth.  Justice is supposed to be blind, yet it is those in society who need not be blind to the fact that this goes on far too often.  If you find yourself in a position to make a difference by correcting the wrongs of these judges and guardians, make sure you do not wait for someone else to fix it.  What would you do if this was your Mom or Dad; if it was your family faced with this?

Jim is a renowned medium and psychic, but considers himself a teacher of spirituality.  Although he has been doing most of his work on a more personal basis, Jim’s new direction is to try to include more people to understand the simple, yet perfect connection they can have with their loved ones on the other side.  He has been giving seminars and lectures, as well as making television and radio appearances.  You can reach Jim at:


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