4 Reasons Why You Should Install Solar Panels for Your Home in New Mexico Today

We can’t live without electricity. Our appliances make our lives more comfortable. Our refrigerators can preserve our food longer. Our air conditioner protects us from the harmful heat during the dry summer, and the list goes on.

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With the electricity demands increasing every year, electricity costs will steadily increase in the future, and with the changes in the environment and non-renewable sources, who knows what energy consumption prices would look like in ten or twenty years. That is why solar panels might be a future-proof investment for your family.

Here’s why you should install solar panels for your home in New Mexico today.

New Mexico Solar Tax Credits

The government acknowledges the benefits of renewable energy. That is why the local state has new Mexico solar tax credits providing incentives for early adopters. You have to act fast because it would not last very long.

For 2019, the new Mexico solar tax credits amount to 30% dollar-for-dollar credit for eligible solar installations and equipment. And it reduces year by year until 0% in 2022. Here is the tax breakdown schedule for both residential and commercial:

  • 2019: 30% tax credit (for both residential and commercial)
  • 2020: 26% tax credit (for both residential and commercial)
  • 2021: 22% tax credit (for both residential and commercial)
  • 2022: 0% tax credit (for residential) and 10% tax credit (for commercial)

And it is easy to claim your tax credits. It may even reduce your tax obligations for this year significantly. Just follow this guide to claim it.

It Pays for Itself

If you invest in safe financial instruments like certificates of deposits and money market funds, solar panels are the right investment for you.

According to recent data, the average consumption per household in New Mexico is around 7280 kWh per year ($900 per year). That is about 610 kWh per month, which is estimated at 75$ (roughly 11.37cents/kWH).

What is good is that the cost of solar power has significantly dropped compared to before. If your consumption is in the average range, you need a 6 kWh solar panels to power your home. It costs around $13,711 after the New Mexico solar tax credits and zero gross-receipt tax.

Give or take, you will get at least 10-15% savings from your current bill.

Your Home Appreciates in Value

The gains don’t stop on your monthly bills. Installing solar panels will also increase the value of your home. According to a study by Berkely Lab, home buyers are willing to pay $15,000 premium for a house with an average size solar panel system. It is a worth-it addition to your portfolio.

Save the Environment

We only have one Earth in our lifetime. Aside from the financials, we owe it to ourselves to protect our planet. The continuous use of non-renewable sources like fossil fuels has detrimental effects on climate change. By using solar panels, we are contributing to solve this problem.

Check Your Usage

You can check your monthly electricity usage in the billing statement. Look for “Kilowatt Hours Used” to find a ballpark figure for your consumption. If you want exact prices, you can request a quote from reliable solar panel providers customized for your needs.

With that, enjoy the fruits of your new-found investment.

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Stay ahead of your competitors with custom made software,

Stay ahead of your competitors with custom made software

Over the last twenty years, technology has made significant progress, especially in the field of IT. That’s why customized software products and operational systems drive business efficiency in organizations around the world. If you want to know the advantages of bespoke software don‘t hesitate to get in touch with us at MEMOS Software, s. r. o. – a leading software development company from the Czech Republic.

Advantages of bespoke software

Memos software will help you to simplify and accelerate an entire spectrum of processes in your organization. Our highly motivated team of experts will ensure that the final product meets your specific needs and wishes. As a result, you will receive a software that will effectively enhance your staff’s work by preventing mistakes caused by poor attention, which usually occur during repetitive administrative tasks.

Providing Expert IT Support

Although based in Prague, Memos software development company Prague offers its services all across the world. Aside from creating excellent customized software, we deliver brilliant software support too. Our expert IT support allows you to upgrade or modify your software at any time, as well as ensure that your systems are secure and cost-effective. If you encounter any problems, we will be there to fix it as soon as possible.

Why choose Memos Software?

Would you like intuitive and intelligible software that meets the criteria of a perfect and functioning system? Look no further. Czech software development company Memos is the right choice for you. Our expertise comes from more than fifteen years of experience in the field of IT. We supply to over 1000 happy customers all across the world and we have also introduced many of our own successful products that help businesses around the world every day.

Get software that will become your competitive advantage.

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What is the Purpose of a Financial Plan?

Poor planning in personal finance is everywhere. Statistics show that approximately 79.8 percent of U.S. employees live paycheck to paycheck to meet their ends.

Interestingly, a study by Bankrate further revealed that 23 percent of Americans have no emergency funds, and an additional 22 percent only have three months in emergency savings. This is why it is essential to get a Financial Advisor who will help you draw up a financial plan.

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Generally, a financial plan will not only provide you with a comprehensive analysis of your situation, but it also enables you to reach your goals and objectives. Creating a strategy gives you a roadmap to see the big picture and map out your financial future.

Usually, financial plans include saving and investing, debt repayment, insurance, taxes, estate planning, and retirement planning. Also, it consists of an income statement, cash flow statements, and balance sheets.

More often than not, a financial advisor will assist you in determining your portfolio by taking into account information like regulatory changes, economic trends, and personal preferences. Doing so will enable you to monitor your expenses, spending patterns, and consider investments to enhance your general financial well-being.

Likewise, a financial plan also increases cash flow, thus, ensuring a significant uptick in the capital that can prove beneficial in difficult times. Best of all, the appropriate financial plan acts as a guide in helping you select investments that fit your goals, needs, and personality.

Can a Financial Advisor Help With Debt?

A reliable financial advisor from Carson Wealth can help you set a budget and come up with a debt repayment plan that will expedite the speed of paying your debt. Moreover, financial advisors can also negotiate favorable terms on your credit cards by lowering interest rates and monthly payments.

Financial advisors also ease the management of cash flow to ensure that you can pay all creditors. Verify with the Better Business Bureau before hiring a financial advisor to ensure quality planning.

What is the Difference Between Financial Advisors and Financial Planners?

Financial advisors and financial planners are titles that are usually interchanged. However, bear in mind that they refer to distinctive capabilities and offerings.

Unlike advisors, financial planners are a kind of advisors who specialize in developing an in-depth plan by evaluating your current financial standing and providing recommendations. They also hold licenses and certifications that enable them to handle education funding and retirement planning.

How to Find the Best Financial Advisors?

Always use a curated process in finding a financial advisor who you can work with for years. While finding the appropriate firm or person may take some time, the investment of time is also worth the wait in terms of ensuring financial freedom.

Seek for financial advisors with certificates like College for Professional Traning (CFP), Chartered Financial Analyst (CFA), and Personal Financial Specialist (PFA). Usually, advisors obtain these credentials by passing a test that demonstrates effectiveness in a specific field.

Besides that, advisors are also required to follow an ethics policy and meet requirements to maintain such designation. Asking for references and past clients will also help you get an idea of the skills and capabilities of an advisor.

Furthermore, you should also verify their records by checking the CFP Board, Security and Exchange Commission (SEC), and the Financial Industry Regulatory Authority (FINRA) to ensure legitimacy. Get some legitimate financial advisor today at Carson Wealth.

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What to Consider Before Hiring a Plumbing Contractor

Finding a plumber is no longer a complicated task with the World Wide Web. All you have to do is probe via search engines for the list of available contractors within the vicinity. After one click, all the overly eager plumbing contractors will surface right before your very eyes.

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The advantage is that you can choose from these many different contractors offering Emergency Plumbing Services. A wide variety of service offerings can ensure that you are in charge of the situation. The downside, however, is that you can get confused as to who among these many plumbers can serve your needs best.

In that case, it’s essential to know what needs to be done and who can deliver the best services.

Choose those who can offer added-value.

If you believe you know what it takes to get the best out of any service offered by contractors, think again. Way back when the competition was not this steep, consumers typically settle for whoever is available.

As there are so many freelance contractors flocking in, hiring the best one to suit your needs becomes an inevitable challenge. To help you choose, here are some tips you can consider before you hire a professional to take care of your plumbing needs.

Know the services you need

The first step in hiring the best people to do a specific job is to get down to the bottom of the problem and know what needs to be remedied. The cure will only come in once the doctor declares his prognosis. Ergo, identify the problem first. Never make the mistake of assuming. Try to validate complaints of your family or housemates and possible ways to fix them.

Identify who can give the best cure.

The next step before finalizing your choice of contractor to offer emergency plumbing services is to identify the people who can help you solve your problem. Once the prognosis is out, narrow down the possible cures. Once you have identified the problem areas in your house, track down the experts who can handle the problem instead of worsening it

Consider value over price.

Do not hesitate to spend your money on the best services. Remember that contracting people for services is similar to buying goods. Goods and services of excellent quality come at a reasonable price. There’s no such thing as free lunch these days. So if you want to get the best, you have to pay the price.

Come up with a shortlist of plumbers you want to work with

Now that you have identified what needs to be done, contact the best plumbers in town. If you don’t know anyone yet, skim through the yellow pages of your telephone directory or go online and do a Google search. Better again, ask your neighbors or your friends for a referral.

Through these, you will ensure that the people you contract are indeed the cream of the crop because they were advertised through referrals. After all, friends won’t tell you to hire the same plumbers they’ve had a bad experience with, right?

Who can you hire with a proven track record?

If you’re still unsure who to hire, contact Payless 4 Plumbing. Aside from a proven track record, the company offers 24-hour emergency service. Regardless of what time you need them to repair your leaking pipes and faulty piping system, they’re ready!

Call them at +1-800-220-0209 now or book a consultation through their website.

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Selecting the Right Parking Lot Striping Paint

Parking lot striping provides a way to organize traffic flow in a parking area. It uses clearly-marked parking stalls and areas for vehicles to park.

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A practical parking stripe layout has durable and identifiable line striping for stalls, arrows for the entrance and exit, directional arrows and more. You should use paint that is easily visible in any weather and any time of the day for the striping to be effective.

Selecting the Right Parking Lot Striping Paint

Choosing the right parking lot striping paint is critical in creating an effective layout. There are several brands of paint available in the market today. These paint types include water-based acrylics, solvent-based alkyd resin paints, solvent-based chlorinated rubber, and many more.

The diluent for solvent-based paints is the mineral spirit, while water is the diluent for its water-based counterpart. The most common paint used in parking lot striping is water-based acrylic. Water-based acrylic paints are durable, have high brightness and visibility, and are environment-friendly.

Properties of a Good Parking Lot Striping Paint

To be effective, a parking lot striping paint should have the following features:

1. Durability

Parking lot striping paints are exposed to the weather. They endure the coldness of winter and the heat of summer. The components of the paint react to harsh weather conditions. They expand when the weather is hot and shrink when the weather is cold. An effective paint must be able to last for at least five or more years without any visible weathering.

2. Brightness

Nighttime and bad weather conditions are challenges to engineers who design parking stripe layouts. The paint they use must be visible to drivers to avoid unnecessary parking mishaps in parking areas. The brightness of the paint influences the visibility of these parking stripes.

3. Material

Some paints are designed to be used in concrete. Others are appropriate for painting on asphalt. The content of the paint must match the surface of the parking lot area it is applied. If the paint is not compatible with the parking lot surface, this will result in unwanted chafing and weathering.

4. Availability

Choose parking striping paints that are readily available in your locality. It will cost you additional dollars if you need to transport the paint. In the same way, it will also save you the trouble of having to stop the project because the paint supply has run out.

5. Cost

A standard cost to line stripe parking lots would only cost 20 to 30 cents per linear foot. An 18 feet and 4 inches wide line stripe would cost $4 to $6. For curbs, it would be 60 to 70 cents per linear foot. Other fees also include the materials and the worker’s expense. If the project is big, you can try offering it to bidders to reduce the cost. Make sure to do your research on each service provider to ensure quality.

Paint striping is critical in parking lot management. Choosing the right paint to use is important. Consult your local hardware personnel if you do not know what to choose.

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Finding the Right Financial Advisor to Help in Your Retirement Plan

You may be one of the million people who want to retire early but are having second thoughts due to a lack of savings. Don’t worry. You can still make a retirement plan and save for your retirement.

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“Can I retire yet?” is the question that most people ask whenever they experience sickness and boredom from work. According to a U.S. Census Bureau retirement survey, the average retirement age of Americans is when they’re 62 years old.

Almost 50% of the retirees leave their jobs earlier than planned due to issues like disabilities and severe health conditions. As a result, many of them have no sufficient savings or a source of income during their idle years.

As per the Economic Policy Institute, the median savings for the retirement of all families within the working-age bracket stand at just $5,000. No wonder there are millions of Americans who work beyond their retirement age due to financial needs.

How to Save for Your Retirement

“Can I retire yet?” can be a difficult question to answer. However, don’t let this question linger in your mind forever. You must take the initiative to plan your retirement now. If you have just started working, make an effort to save as much as you can, and invest. If you are already at the twilight of your job, you may increase your savings contributions or delay your Social Security. Here are other tips to prepare for your retirement.

  • Set a goal– Start saving now and set benchmarks as a challenge and motivation towards your retirement goals. In calculating, you should factor in an inflation rate of 4% as a safety net.
  • Limit your spending– Examine where your money goes and find ways to save wherever possible. You can bring lunch to work, limit the use of house appliances, or negotiate for a lower car insurance rate.
  • Contribute to your 401(k) plan– Make sure to accept a 401(k) plan if your employer offers it. It is an effective way to save money with minimal impact on your pocket.
  • Apply for an IRA account– Establish an individual retirement account (IRA) as another nest egg. You can choose either a traditional IRA or a Roth IRA based on your income or whether you have a company retirement plan.
  • Invest your surplus money– Look for other feasible investment vehicles like the stock market or business endeavors. You can seek the advice of credible financial planners to help you.

How to Determine the Best Financial Advisor for You

To effectively manage your finances, you should find a financial planner who can work with you for the long term. You should use a disciplined procedure in your search to make sure you’ll find the right company or consultant. Here are some tips for deciding the best advisor for your needs.

  1. Know the types of financial advisors– Wealth managers have different expertise in fields like investment advisory services, retirement income planning, and financial planning. You should pick an advisor based on the guidance you need.
  2. Validate their credentials– Before hiring, check the records of your shortlisted advisors with the Security and Exchange Commission (SEC), the CFP Board, the Financial Industry Regulatory Authority (FINRA), and their membership organizations.
  3. Determine their fees- Know how the advisors charge for their services. Keep in mind that the most credible and impartial ones offer fee-only compensation.
  4. Be aware of fraud risks– Learn how to identify advisors with bad intentions.

Planning for retirement is one way to live a secure future and a better quality of life. By taking action now, you can achieve the retirement life you envision.

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Benefits of an Online Safety Training

Exactly how will online safety training benefit your company? How will it be able to provide safety training to your employees, management team, and the company as a whole? This article laid out some reasons as to why it is essential to provide online safety training at work.

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Tracks the Progress of the Employees’ Safety Training

The good thing about online safety training is that it promotes accountability and responsibility. The training system alerts employees of their pending assignments and worksheets. The online training holds employees accountable and responsible for finishing their safety training.

Also, it notifies the managers of the assignments of their employees and their training status. The management system can check and see the employees while getting certified on safety training.

Consistent and Standard Safety Training Protocols

With much going on in the workplace, many companies struggle with keeping a regular and standard safety training protocol to the employees. And why is that? Your company trains different employees in different departments at different times. You then have to use different trainers for that.

Also, you have to consider employees working in various shifts, locations, and some are even working remotely. The good thing about online safety training is convenience. The online service relays standard training message in any given scenario.

Employees can access it during whatever shift they are on, the site they’re stationed, and they can even access it on any given the time of day.

Effective Safety Training

Experts do safety training. Most instructors conducting the training are instructional designers, safety officers, audiovisual designers, technical writers, and eLearning professionals, and computer programmers. They are more than just people who can be experts in safety. They’re qualified to do training and create those learning materials.

Easy Accessibility to Safety Training Materials

As mentioned, the training can be accessed by your employees at any given the time of day or anywhere he might be. Another good thing is that employees can access safety training with their phones, tablets, and desktop computers.

Reduced Costs on Safety Training

While OSHA training is required for companies, there’s no reason why you shouldn’t get cost-effective training. There’s a remarkable decrease in safety costs once you adopt online safety training.

A classroom-style setting for the training can be more costly. You have to consider lodging expenses, travel expenses, the fee for the training consultants, meals and refreshments, and so on. And you’ll also reduce your training administration expenses. Training records are already available online, and you won’t have to worry about piles of documents since everything is automated.

Better Work Productivity and Increased Employee Morale

Employees can access the online safety training at their own pace and schedule. That means they’ll be more willing to complete the training and aim for the best. Employees tend to take a more active role in creating a safer and healthier workplace. You won’t have to worry about dragging employees to the training, knowing they can take charge of their schedule.

They also won’t feel the pressure of time while answering the assignments and tasks. As a result, they won’t give output that is mediocre, just for the sake of it.

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Why you should go for vacation rental for your Travel Destination

Nowadays, many people are traveling more than ever before. According to the U.S. Travel Association in 2018, domestic travel in the United States has been constantly on the rise year in and year out for nearly a decade.

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What’s more is that the statistics are showing no signs of decreasing. Whatever may be the reasons for people moving about, we can’t deny the fact that traveling has become a significant part of our modern lives.

Guam is the perfect example of a place that’s beloved by travelers because of the fantastic beaches, delicious food, hospitality, and festivities. The Guam Daily Post reports that approximately 1.52 million tourists visited Guam in the previous fiscal year.

If you plan to go to Guam, the most critical part would probably be finding a place to stay. A few years back, hotels were the first option for travelers, but vacation apartments are steadily gaining popularity, such as Guam vacation rentals.

Vacation Rentals Have the Best Locations

If you’re traveling for business, your accommodation is of utmost importance. More often, hotels can be a few miles away from your place of business, which is a problem. Luckily, Guam vacation rentals provide a solution because so many of them are situated close to the conveniences you need.

A vacation rental could be a few blocks away from your place of appointment. Some vacation rentals are located advantageously close to locations like the airport, beaches, restaurants, and shopping centers

Get the Privacy on Your Own

Hotels are a commonplace of accommodation for travelers, making it crowded most of the time. Since hotels are always storming with lots of people, you can expect to have more noise to disrupt a peaceful stay.

Vacation rentals do not have these types of problems as they provide a more private ambiance. This is because you rent a home or an apartment with private space you can enjoy on your own.

Bring More Value to Your Vacation for a Cheaper Price

Hotels often include numerous items in your room and other amenities that you don’t need, increasing the price of your stay. Vacation rentals prioritize essential items such as soap, towels, linens, and blankets. Vacation rental houses more often do not include non-essential items during your visit, which makes them a lot cheaper.

Some vacation apartments may even have a fully stocked kitchen so you can prepare your meals and save even more money.

Experience the Place Like a Local

Being in a hotel surrounded by a lot of people, whether they’re fellow guests or employees, will make it hard for you to feel like a local. By staying at a vacation rental, you will experience a more personal touch and a better chance to be a part of the local community.

From the reasons mentioned above, it is without a doubt that a vacation rental is the best option for your next travel destination, be sure to book one now for your next trip!

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How To Boost Your Broadband Internet Speed with CMD

How To Boost Your Broadband Internet Speed Using CMD

In one of the latest article, i’v shared a trick on how to find passwords of all connected Wi-Fi networks using CMD and many people found it interesting.In this article i’m sharing another interesting CMD commands which can help you boost your Broadband Internet Speed.

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Tips On How To Boost Your Broadband Internet Speed Using CMD

A lot of articles related to Windows Command Prompt are shared here.CMD is the most interesting tool of Windows where you are free to do most of the tasks which are usually restricted in GUI.

Actually it is not an extra speed,but for some reasons,you are not getting the maximum speed that your ISP provides you.The broadband speed depends on many external factors but by these simple commands you can improve the internal factors.

Steps to Boost Broadband Internet Speed Using CMD

Step 1: As an administrator open CMD , type netsh int tcp show global and Press Enter.

Step2: Now change the TCP parameters. In notepad type these commands:

cd\
netsh int tcp show global
netsh int tcp set global chimney=enabled
netsh int tcp set heuristics disabled
netsh int tcp set global autotuninglevel=normal
netsh int tcp set global congestionprovider=ctcp

Step 3: Do save this file as Boostspeed.bat

Step 4: In administrator mode run BoostSpeed.bat.

That’s it. With these commands will boost your broadband speed and You will notice a 30-35% increase in the speed.

To reset TCP global parameters to default values Type copy these in notepad

cd\
netsh int tcp show global
netsh int tcp set global chimney=default
netsh int tcp set heuristics enabled
netsh int tcp set global congestionprovider=none

Do and save it as say Reset.bat to reset the TCP global parameters to their respective default values. You also will have to run this file as an administrator.

> Read Next: How to Find Direct Download Link to Any Movie (Two Methods)

Here in this article we have shared a simple trick on how to Boost Broadband Internet Speed with CMD. Hope you find this article helpful. Feel free to comment your thoughts in the comment section below, follow us on twitter and facebook for more news and updates.

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Here’s Why it is Essential to Maintain a Healthy Social Life

Florida is one of the fastest-growing states in the US. Also known as the Sunshine State, Florida, is famous for its tropical climate and beautiful beaches. If you’re thinking about studying at the University of Florida, you will enjoy lots of advantages from the city. It’s a perfect place to explore with your family and friends.

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A good University of Florida social life can have a positive impact on our mental and physical health. Social involvement is vital as we age. Studies show that individuals who participate in social activities more tend to have excellent health, and have lower risks in developing Alzheimer’s. Therefore, students are encouraged by their universities to participate in school events actively.

This article aims to help you network with other people and students inside your university. It will also encourage you to create a healthy relationship with your friends. Having healthy social connections can broaden your horizon and connect to humanity.

5 Expert Tips to Build a Healthy Social Life

Loneliness can harm our mental health. It can also make a person physically inactive. Experts say isolation can also increase your blood pressure and risk of heart disease. To broaden your social connections, you must do the following.

  • Know yourself

Learn how to identify your needs, preferences, values, and a way to communicate with people. Understand and define your boundaries, and always dare to do what is right. If you know yourself, it will be easy for you to define your path and purpose in life.

  • Be approachable

Dress presentably and according to the occasion. Wearing a smile can make you look more approachable, but being friendly will gain you lots of friends. Learn how to be calm and patient when talking to people. Always give compliments- it can be an excellent way to start a conversation. Know how to listen and empathize with other people.

  • Be curious

A lot of distractions surround us every day, making listening difficult. Therefore, when you talk to someone, learn to listen actively to what they’re saying. Show them that you’re interested in getting to know them. Try to ask questions that are not too personal or offensive. Avoid probing questions as this may sound intimidating. You may ask questions such as-

  • Who
  • What
  • Where
  • When
  • How
  • Pursue your interest

Make time for your favorite hobbies and interests. This way, you may know people who have similar hobbies as you. Join a sports club, yoga class, or any other university organizations that may interest you.

  • Appreciate others

You’ll never know what your positive words can do to a person. Giving compliments to others can lift spirits and brighten days. It can also help you gain more friends faster. Keeping people happy is the best way to have a healthy University of Florida social life.

Cultivating your social life requires enough time, energy, effort, and commitment. Go ahead and chat with people and join social groups to brighten your social life. If you’re feeling lonely, don’t hesitate to reach out to people you trust.

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