In this poor economy many people are struggling with bad or no credit. I'm going to show you some credit score secrets that will surely help you out.
If you are at all like me, there is a pretty good chance that you have made some really bad decisions at one time or another in your life. It is amazing how you can go from doing really well to literally being in your lawyer's office begging for advise. Growing up, I had parents that did a really good job of explaining the importance of good credit. I was pretty lucky because I know that a lot of my friends did not have the same financial education that I had, and understanding this at a young age was extremely beneficial. That is until the year that I began making some of the worst decisions of my life.
In college, my parents helped me out by getting me a credit card with a pretty high limit. Each semester I would charge my tuition to my card, and then throughout the semester, I would pay it off. This was great because at the age of 22 I had outstanding credit. I purchased my first car with no money down and zero percent interest for five years. I applied for a couple of credit cards and got approved for all of them. I had a card with a $20,000 limit, a card with a $15,000 limit, and two other cards with just over $10,000 limits. Then I started thinking about everything that I could buy and do; all of a sudden, everything that my parents taught me went right out the window.
Within two years, I went from having a new car and a bunch of credit to having a car and $40,000 in credit card debt. It was crazy how much money I was putting out every month just to pay the minimums on my credit cards. I managed to keep all of them up to date, so my credit was still really good (and this is where everything went really wrong). I heard that you could stop paying on your credit cards and within months you could start negotiating with the credit companies and they would only make you pay a fraction of what you owe. Unfortunately, this is not as easy as it sounds. I stopped paying on all of my credit cards, and then my life got really fun. I started getting about 30 calls per day from creditors looking for their money. Then the calls went from "Hello, just wanting to know if you were going to make your credit card payment this month," to "Good afternoon, if you do not pay us something by the end of the month, we will be filing a lawsuit against you and we will win!" I got really scared, and I was lost. I had no idea what I was going to do.
After months of hell, I finally found a solution to my problems. I was looking online to find anything that could help me out. I wanted the calls to end. I wanted the threats to end. After days and days of searching for a solution, I came across the Credit Secrets Bible. This was one of the best purchases that I have ever made. It is very helpful in dealing with anything any everything that has to do with credit, credit cards, and most importantly, your credit score. This "Bible" will tell you everything that you need to do to get the creditors to stop calling, to get right with all of your creditors, and finally, everything that you need to do to increase your damaged credit report.
We guarantee the "Credit Secrets Bible™" will absolutely knock your socks off! In one evening you’ll know more insider credit secrets than most Millionaires alive today. With the "Credit Secrets Bible™" you are going to learn:
Editors Choice: Credit Secrets Bible Review | Consumer Debt Relief
Credit Secrets Bible is a program that can help you improve your credit score dramatically. The program will show you all of the secrets of how to fix your credit report, whether you have bad credit or no credit at all.
The Credits Secrets Bible Can Help Your Credit Score
The CPG has compiled dozens of credit repair secrets into the Credit Secrets Bible. Since the CSB is always being updated, the present form reflects 14 years of knowledge and wisdom.
Review of Credit Secrets Bible
One of the most popular credit repair guides available on the Internet is called credit secrets bible. It is the leading guide for very good reason. It lays out a very simple step-by-step procedure that you can follow.
Terry Price created the Credit Secrets Bible for anyone who wants to improve their credit score. With the Credit Secrets Bible, you can improve your credit score up to 249 points in 90 days and get approved for car, home.
Author: Chris Jensen
You can suffer like I did for the rest of your life, or you can do what you need to do and start growing your credit score. Once you see everything that you get in your Bible, you will remember the day that you made this purchase for the rest of your life. I know I will! If you are ready to fix a lot of the problems that you have cost yourself over the last few years, get you own personal Credit Secrets Bible today!
Chris Jensen began writing articles in January of 2008.
Article Source: http://EzineArticles.com/?expert=Chris_Jensen
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]]>3G Apple iPhone: The style king of all phones
Apple iPhone 3G is the one of the few mobiles which are fascinating to everyone. This mobile is in demand and grabbing everyone's attention around the world. Apple iPhone 3G is the apple of everyone's eye. People are dying to own it and got crazy over it.
It offers high speed connectivity with high quality imaging features. This phone is also called as 3G Applie iPhone 2 and the first one is popularly known as Apple iPhone. This light and sleek mobile measures 12.3mm deep by 62.1mm wide and 115.5mm high dimension. This WiFi Technology mobile has 133 grams of weight. Some of its key features are 3G HSDPA Technology, WiFi technology, 2 mega pixels digital camera, iPod music player and A-GPS navigation with Google maps. This 3G phone comes in two flash memory sizes. The 8 gigabyte version memory phone is available in a glossy black colour casing and 16 gigabyte version offers two options in either a glossy white or glossy black coloured casing.
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LG KP500 Cookie Unlocked Cell Phone with 3.2 MP Camera, Digital Media Player, MicroSD Slot--International Version with No U.S. Warranty (Black) List Price: $399.99 Sale Price: $182.91 Average Rating:   |
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Designed to allow more people to experience a taste of touch technology at an attractive price, the LG KP500 Cookie is packed full of advanced features usually found exclusively in premium full touchscreen handsets... |
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Nokia E71 Unlocked Cell Phone with 3.2 MP Camera, 3G, Media Player, GPS, Wi-Fi, MicroSD Slot--U.S. Version with Warranty (Gray) List Price: $449.99 Sale Price: Too low to display Used From: $304.87 Average Rating: |
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The latest email-optimized device from the Nokia E-eries, the sleek and slender Nokia E71 makes it easy to stay on top of your email inbox with a full QWERTY keyboard and support for corporate communication via Microsoft Exchange... |
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HTC Touch Viva Smartphone T2223 Unlocked Cell Phone - International Version with No U.S. Warranty (Storm Gray) List Price: $549.99 Sale Price: $239.99 Average Rating:  |
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Feel the exhilaration of your first touch all over again... the HTC Touch Viva comprises the best elements of the touch screen experience in a device that's designed to put this latest, intuitive mobile phone technology in the hands of everyone with a passion for communication... |
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Palm Treo 750 Unlocked Smartphone with 3G, MP3/Video Player, MiniSD Slot--U.S. Version with Warranty List Price: $426.99 Sale Price: $221.66 Average Rating:  |
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The Palm Treo 750 smartphone goes where you go. It combines a world GSM phone, email, broadband wireless, and Windows Mobile - all with world-renowned Palm ease. And the sleek, midnight blue design with a soft-touch finish feels great in your hand... |
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Answer your questions about the Sidekick 3. A slick upgrade from the Sidekick II, the Sidekick 3 has all the bells and whistles -- text messaging, email, IM, music, a camera and full internet access. Spice it up with a Custom skin and your own Sidekick 3 themes... |
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Nokia E51 Unlocked Smartphone with 2 MP Camera, 3G, Wi-Fi, MP3/Video Player, MicroSD Slot--US Version with Warranty (Silver) List Price: $349.99 Sale Price: $199.99 Average Rating:  |
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Ideal for business-savvy globetrotters who require a full range of smartphone capabilities, broadband connectivity, and real-time access to your contacts, the stylish Nokia E51 brings it all together. This quad-band GSM/EDGE phone is also ready to run on 850 MHz/2100 MHz UMTS/HSDPA 3G networks (found in Europe, Australia and Asia), enabling fast downloads and streaming multimedia while on the go... |
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Palm Treo Pro Unlocked Cell Phone with 2 MP Camera, 3G, Wi-Fi, GPS, MicroSD - U.S. Version with Warranty (Black) List Price: $599.99 Sale Price: $405.98 Average Rating: |
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A great choice for business road warriors who want to stay on top of both their professional and personal lives, the Palm Treo Pro features a new, streamlined design and Windows Mobile 6.1 Professional operating system... |
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Nokia E51 Unlocked Smartphone with 2 MP Camera, 3G, Wi-Fi, MP3/Video Player, MicroSD Slot--US Version with Warranty (Black) List Price: $349.99 Sale Price: $199.99 Used From: $208.65 Average Rating: |
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Ideal for business-savvy globetrotters who require a full range of smartphone capabilities, broadband connectivity, and real-time access to your contacts, the stylish Nokia E51 brings it all together. This quad-band GSM/EDGE phone is also ready to run on 850 MHz/2100 MHz UMTS/HSDPA 3G networks (found in Europe, Australia and Asia), enabling fast downloads and streaming multimedia while on the go... |
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HP iPaq 510 Voice Messenger Unlocked Smartphone with Wi-Fi, MicroSD Slot--U.S. Version with Warranty (Black) List Price: $399.99 Sale Price: $366.32 Average Rating: |
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Eschewing the curvy yet bulky design of its iconic iPAQ Pocket PCs of old, the HP iPAQ 510 Voice Messenger offers a downright svelte design as well as the power of the Windows Mobile 6 Standard operating system (for non-touchscreen phones)... |
Its large touch screen is measured 3.5 inches in size with sixteen million of colours, which give high quality experience to the user with a full QWERTY keyboard feature. Its wide and multicolour screen allows to play with it and experiment this phone by downloading some high resolutions graphics, pictures or games. This 3G phone is highly capable in connectivity and in navigation technology. Its 3G HSDPA technology feature allows you to experiment with high speed 3G connectivity, broadband speed, Internet accessibility and multitasking capability, which help you to surf on Internet. It is incorporated with EDGE and GPRS features, which allow a high speed data transfer technology, where user can enjoy fast transfer rates on their handset and download heavy files through Internet. The user can easily use this feature and access from anywhere around the world.
Through its ultimate Bluetooth wireless feature, user can smoothly connect to other device or USB cabled connection, which transfer bulky files or data easily between two compatible devices. The Apple iPhone 3G has the capability to synchronise with the user's PC or Mac, for easy data connection. It makes your job more easy and fast. You can easily upload the songs and share with those numbers to others also. This hi-fi phone has WiFi wireless connectivity, which allows you to maintain a wireless connection to the World Wide Web. With the help of local WiFi connection or a wireless hot spot connection user can connect with the phone. The iphone has 2.0 iPhone operating system, where user can enjoy the menu system and access easy to use icons. This 3G phone has HSDPA 850, 1900, 2100 worldwide network coverage.
This stunning phone is integrated with two mega pixels camera, which allows you to capture attractive photos on the Apple iPhone 3G. The phone supports easy to use photo setting feature too, which allows you to create the best possible effects. With its 2 mega pixels camera, the user can change the setting and adjust the background and surrounding of the photo. You can add more effects, while taking the snap. For making the collection of high quality images, photo gallery option provides you to save your memories in one device.
The 3G iPhone has strong iPod music player, which is equipped with touch-screen music control. This portable music device can download your favourite music and allows you to explore the music. The music lovers can enjoy listening to their favourite tracks, while doing some work also. Its advance play list allows you to search the song within the seconds. Its ipod comes in flow feature with the album artwork, which allows you to jump to the next song in a very sophisticated manner.
Bypassing activation on 3G and data plans.
I've been holding off on getting a 3G until a software baseband unlock was available. I travel a lot... Read more...
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I am getting a 3G iphone for the holidays, and a friend of mine is going to buy my 2G iphone, but he... Read more...
| By Raina Kelsey Published: 9/8/2008 |
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]]>Most individuals aren't aware that the best tension management they can apply is physical exertion. Aside from not having to spend their income on buying products or purchasing cds for musical relaxation, working out only requires a negligible measure of your time everyday. In the world we live in, it is very challenging not to be upset because most all affairs, work, family, society, and human relationships can be stress inducers for a person. Because of these circumstances - stress has become an inescapable part of individuals everyday lives.
For select individuals, tension can be good because it gives them an epinephrine rush. As a sudden surge of tension can help them complete tasks ahead of time and reach their goals inside the given deadline. At times, tension even aids them to perform better and have a competitive but good lookout in life. But not all people can turn this stress into a positive energy and many more endure a wide range of health and emotional problems over time. Individuals, specially those who generate too much stress at work, put up with small health problems such as insomnia or sleep disturbances, headaches and upset stomach. These eventually lead to difficulties with concentrating on day-to-day matters, mood swings and excitability, low self-esteem and morale, and poor socialization with immediate family and friends.
This type of tension, if not handled the correct way, can lead to long-term health troubles and considerations such as assorted heart diseases, several musculoskeletal problems, and assorted levels of psychical disorders. So to avoid these problems, individuals should be considering methods to handle tension and live a well rounded productive life. For some, there is no better method to handle tension than obtaining regular work outs as it can diminish personal stress almost instantly and help people to feel good about themselves. Aside from reducing stress by relaxing tense muscles during stressful occurances, physical exercise can offer a good deal more gains than people could ever imagine. Help is achieved in the following ways.
Helping the blood flow to the brain, which is crucial for a individual to think clearly. All the while you are doing physical exercise, supplemental sugars and oxygen are being taken to your brain, causing you to think more effectively. Releasing endorphins which are contributing in giving a individual a feeling of contentment and a good outlook on life because in spite of all the tension taken in from your environment, you can deal with it provided you receive a sufficient release of endorphins. Looking good and feeling good about one's own physical self, help many individuals manage tension because if a individual feels he or she is lovely, that individual can handle any situation thrown at them.
Exercise beefs up one of the most essential areas of the body - the heart because when a person gets stressed, the primary organ that is involved is the heart. So, to shield the heart from any diseases and considerations brought by stress, exercise is required to assure the heart has greater elasticity to pump enough blood and oxygen through out the body. Indeed, exercise is a very good technique in managing stress, but before starting an exercise regement, make a point that you are physically fit to endure hard physical actions. You can guarantee that you are in good shape if you visit your doctor and have a standard check up. This will tell you what your limits are and your doctor can even recommend a workout program suitable to meet your needs.
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]]>Even if you are stressed out beyond your limits in the business office, you can't do something about it because generally, there aren't that many lines of work that don't create tension to some level. The secret is to make sure you are able too handle the task of managing your tension! Regrettably the regular working environment reduces the methods that you can employ to manage your tension, so for instance, if watching TV or movies remedies your stress, you cannot very well do that when you are your place of business. Neither can you play badminton or sing on a karaoke machine so the most you can hope to do is play some fast computer game, trusting that in some manner it can break the tension that you have built up inside of you, and for some people, this will do the trick.
Nevertheless, there are ways to free the stress while sitting in your office chair, because the trick is to not sit waiting for the stress points to go up. As they say in medicine, an ounce of prevention is more than a pound of cure so do not wait to get stressed out and here's a couple of possible ways to do this. People who are fundamentally fit will have substantially higher energy levels on which to work on. They are more than able to withstand long hours under duress and are more able to keep up with long periods of high brain activity in comparison to individuals who are not, so if you can achieve this, you've got to eat nutritious foods particularly those that are rich in vitamins, minerals and proteins. In any case, having all the energy that you need will help you manage the tension better when it occurs.
Sleeping well furnishes the body the rest that it requires as brain activity and bodily processes slow down when individuals are having a good nights sleep. If the body lacks sleep, vitality levels decrease and the brain becomes confused which results in poorer concentration. In the long run this can grow to be harmful to your work operation thus, one way to avoid tension entirely is get the normal eight hours or more sleep as it will do you the upmost good. Another means to battle tension and to keep it from occurring totally is to have a daily jog or an physical exercise routine. Specialists say that a individual must work out 30 minutes each day to successfully keep the body in shape and healthy. Exercise fortifies our resistance and improves our vigor levels but it also assists to keep the tension builders at bay as it loosens the muscular tissues and keeps the air running freely through breathing methods.
Nothing can make you more irritated than not managing your work time well. Just speak to people who are used to cramming for examinations or for work assignments. Planning your time right and doing what you are meant to do on time will help keep the stressors away. Likewise, by doing your duty assignments and work load bit by bit permits you to unwind while doing it and provides you adequate time to really work on it should the boss determine to have it earlier than expected. Being happy and optimistic is the number one stress buster there is and a smile can help keep the muscles in the face loosened. In reality you use less muscular tissues when you are angry so laugh when at work and try to stay relaxed.
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]]>Consumer Reports - Laptops
Laptops account for about 25 percent of sales. It's not hard to understand why. Small screens and cramped keyboards have been replaced by bigger, crisper displays and more usable key layouts. Processors have caught up in speed, and innovative new processors provide some real advantages. Fast CD and DVD recording drives are common, as are ample hard drives. And a growing interest in wireless computing plays to the laptop's main strength: its portability. A laptop is the most convenient way to take full advantage of the growing availability of high-speed wireless Internet access at airports, schools, hotels, and even restaurants and coffee shops.
The Centrino technology that's central to Intel's newest laptop processors has wireless capability built in, and delivers commendably-long battery life. The thinnest laptops on the market are less than an inch thick and weigh just 2 to 5 pounds. To get these light, sleek models, however, you'll have to pay a premium and make a few sacrifices.
WHAT'S AVAILABLE
Dell, Gateway, Hewlett-Packard, Compaq (now owned by HP), IBM, Sony, and Toshiba are the leading Windows laptop brands. Macintosh laptops are made by Apple. Laptops can be grouped into several basic configurations:
Budget models. These have slower processors and lower screen quality than others, but are suitable for routine office work and home software. Price range: $800 or less.
Workhorse models. These have faster processors and more built-in devices, so there's less need for external attachments. They're not lightweight or battery-efficient enough for frequent travelers. Price range: $1,000 and up.
Slim-and-light models. These are for travelers. They can be less than an inch thick and weigh as little as 2 or 3 pounds. They generally require an external drive to read DVDs or burn CDs. Price range: $1,500 and up.
Tablet-style. These sit in your hands like a clipboard and have handwriting-recognition software. Some convert to a "normal" laptop with a keyboard. Price range: $1,800 and up.
IMPORTANT FEATURES
A diskette drive is becoming a rarity in all computers. As an alternative, you can use a USB memory drive (about $20 and up), which fits on a keychain and holds as much data as numerous diskettes. Or you can save files on a writeable CD or camera memory card. Most laptops have slots that can read one or more types of memory cards.
Windows laptops generally have a 1.5- to 3.5-GHz processor. Pentium 4 processors have the higher speed ratings; the new Pentium M and Celeron M processors have a slower rated speed but actually perform on a par with other processors. Macintosh Power PC processors are measured on a different basis altogether. In short, the different types of processors make direct speed comparisons difficult. It doesn't pay to try because any type of processor is likely to deliver all the speed you'll need.
Laptops come with a 40- to 160-gigabyte hard drive and 256 megabytes or more of random access memory (RAM) and can be upgraded to 1 gigabyte or more.
Today's laptops use a rechargeable lithium-ion battery. In Consumer Reports tests, batteries provided 2 to 5 hours of continuous use when running office applications. (Laptops go into sleep mode when used intermittently, extending the time between charges.) You can extend battery life somewhat by dimming the display as you work and by removing PC cards and turning off wireless devices when they aren't needed. Playing a DVD movie uses more battery power than usual, but any laptop should be able to play a movie through to the end.
A laptop's keyboard can be quite different from that of a desktop computer. The keys themselves may be full-sized (generally only lightweight models pare them down), but they may not feel as solid. Some laptops have extra buttons to expedite your access to e-mail or a Web browser or to control DVD playback. You can attach an external keyboard, which you may find easier to use.
A 14- to 15-inch display, measured diagonally, should suit most people. A few larger models have a 16- or 17-inch display. A resolution of 1,400x1,050 (SXGA+) pixels (picture elements) or more is better than 1,024x768 (XGA) for viewing the fine detail in photographs or video, but may shrink objects on the screen. You can use settings in Windows to make them larger. Many models are now offered with a display that has a "glossy" surface instead of a dull one. Those look better in bright ambient light, as long as you avoid direct reflections.
Most laptops use a small touch-sensitive pad in place of a mouse--you slide your finger across the pad to move the cursor. You can also program the pad to respond to a "tap" as a "click," or to scroll as you sweep your index finger along the pad's right edge. An alternative pointing system uses a pencil-eraser-sized joystick in the middle of the keyboard. You can attach an external mouse or trackball if you prefer.
Laptops include at least one PC-card slot for expansion. You might add a wireless network card or a digital-camera memory-card reader, for example, if those are not built in. Many laptops offer a connection for a docking station, a $100 or $200 base that makes it easy to connect an external monitor, keyboard, mouse, printer, or phone line. Most laptops let you attach these devices anyway, without the docking station. At least two USB ports, for easy hookup of, say, a printer, digital camera, or scanner, is standard. A wired network (Ethernet) port is common, as is a FireWire port for digital-video transfer. Many models have a standard or optional internal wireless-network ("Wi-Fi") adapter. The infrared port found on a few models can be used to synchronize data wirelessly between the computer and a personal digital assistant (PDA).
Laptops typically come with less software than desktop computers, although almost all are bundled with a basic home-office suite (such as Microsoft Works) and a personal-finance program. The small speakers built into laptops often sound tinny, with little bass. Headphones or external speakers deliver much better sound.
HOW TO CHOOSE
Decide if a laptop is right for you. If you're on a very tight budget and aren't cramped for space, a desktop computer may still be OK. Otherwise, consider a laptop.
Windows vs. Macintosh. Many people choose Windows because it's what they've always used. Apple's iBook will suit you if you're interested in photo editing, music, video, and other multimedia applications. Apple computers are also less susceptible to most viruses and spyware than Windows-based computers. The Apple PowerBook is relatively expensive as laptops go, however.
Buy la carte. Dell and Gateway pioneered the notion that every computer can be tailored to an individual buyer's needs, much like choosing the options for a car. This configure-to-order model is now common practice for laptops as well as desktops.
You can also purchase a preconfigured computer off the shelf. (You can do the same online if you opt for the default choices of equipment the manufacturer offers.) That's fine if you don't have very strict requirements for how a laptop is outfitted or if you want to take advantage of an attractive sale.
Configure-to-order menus show you all the options and let you see how a change in one affects the overall price. You may decide to use a less-expensive processor, for example, but spend more for wireless capability or better graphics. Configure-to-order will often give you choices you won't get if you buy off the shelf. And configure-to-order means less chance of overlooking important details.
Downplay the processor speed. Speed is no longer the be-all of personal computers. For years, processors have delivered all the speed most people need. That's still very much the case. Spend the money on more memory instead. A Pentium 4 processor with a speed of 2.4 GHz and a Pentium M at 1.4 GHz earned the same speed score in our tests. The different types of chips now on the market make direct speed comparisons difficult.
Look closely at warranties and insurance. Get the longest manufacturer's warranty you can afford; many offer one or two years above the basic one-year warranty, for a price. If you intend to travel a lot, buy screen insurance from the manufacturer. If you take full advantage of the manufacturer's warranty and insurance, you won't need an extended warranty from the retailer.
Copyright 2002-2006 Consumers Union of U.S., Inc.
For the latest information on this and many other products and services, visit www.ConsumerReports.org.
By: BrookeYan
Article Directory: http://www.articledashboard.com
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