Sunday, September 9, 2007 

Federal Student Loan Consolidation - What You Need To Know

As the cost of higher studies are reaching sky level every year, students loan are like becoming a must for attaining it. However now, student loan consolidation has made this task easy for you, so you can go for it.

A federal loan consolidation is always favoured for in this type of loan you have to pay all the loans through a single loan itself.Moreover the interest rate is much lower & fixed than other loans & a longer time period for repayment is provided, so that it is easier for you to manage it. Even additional benefits and flexible repayment option are offered for making the repayment as easier as possible for you.

Nowadays the market has become so competitive that they will lower the interest rate for student debt consolidation of this kind in order to get more & more customer in competence with other economies. Thus with federal loan consolidation at your side you can easily have a healthy financial condition as the monthly repayment is fixed & is at a reachable range. It also considers you if you are having some financial problem.It also has a pact with the government & so chase away all your fears regarding getting cheated.So dont waste a golden opportunity like this, contact the student loan consolidation companies today and go for federal loan consolidation now.

Another type of loan consolidation is private consolidation.

Private student loans are administered by standard lending institutions. They can be a huge source of funding your higher education. Nowadays at the rate of which the value for money is decreasing there is no question that seeking out financial aid to cover the fees of higher studies is becoming a challenge in new years. Now for higher studies you have to go for loans to accomplish your goal. But dont get afraid as private student lending consolidation has come to your aid. So if you havent yet started hunting private student loans, you owe it to yourself to consider them. Private student loans are also called alternative loans which are funded by financial institutions such as banks and may additionally be funded by non-profit enterprises. It was distinctly found out that this agent of funding provides financial aid support for students. These sorts of loans may well be of assistance to you to fill the shortfall and offer different assorted benefits as well.

Their main benefits are that they are always available indefinite of your credit card score or financial background. The principal benefits of private student loans are their availability and flexibility. You can get up to $40,000 per each year at a lower interest with an easy repayment at a longer time period. You also do not have to be compelled to worry with regards to filing closing dates with private student loans since you would ask for a student loan whenever the need arises. Therefore now having higher studies is not a big deal as for private student loans are easy available to you.

Cut your payments by 40% or more! Our site is all about student loan consolidation.

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The SPAMHAUS Efforts To Stop Spam

Spam is an international problem, and it seems plain that a solution will have to be an international solution. The organisation known as SPAMHAUS monitor spammers, publish information on them and supply the big ISP's with block lists of the servers that spammers are known to work out of. In conjunction with Law enforcement agencies they work out of the UK, but have representatives in 9 different countries to track serial spammers worldwide.

Their ROKSO list identifies the 200 most prolific spammers, who between them are responsible for over 80% of internet spam. It's remarkable that these people can be tracked and identified, yet are still free to send out 70 million plus emails per day.

Spamhaus maintains a list of the top 10 known spammers and a brief summary of their work. Currently this list consists of:

10. Yambo financials, of the Ukraine, who have a finger in every nasty online business - child download porn movies, solfware pirating, pharmaceuticals, and banking scams.

9. Alexey Panov, or Russia, who provides spammer software, hosting and solutions.

8. Nikhil Kumar Prakji, of Australia, who sends massive ammounts of unsolicited mail through the Dark-Mailer spamware.

7. Vincent Chan, of Hong Kong, who specialises in pharmaceutical type spam and uses hijacked ghost machines to get his messages to the world.

6. Pavko, Artofit, are a gang of Russian spammers believed to include Yambo Financials and the worlds #1 spammer Alex Blood. They began with pharmaceutical spam, but have branched out into other areas and make heavy use of hijacked machines.

5. Micahel Lindsay, of the iMedia Networks in the USA, provides hosting solutions to ROKSO spammers using offshore machines and zombies.

4. Ruslan Ibragimov, of Russia, who developed stealth spamware and uses zombies and virus infected machines to do his spamming.

3. Amichai Inbar, of Israel, who sam download porn movies, drugs and pump and dump stocks.

2. Leo Kuvayev, of Russia, who specialises in (pirated) OEM CD's as well as dabbling in the traditionals of porm, pharmaceuticals and other softwares.

1. Alex Blood, of the Ukraine, who is known by several other aliases including Alexander Mosh, AlexseyB and Alex Polyakov. Spamhaus describes his activities as consisting of Massive botnet and child-download porn movies spam ring, also pharma, mortgage, and more.

Bringing together experts from different countries, and working collectively is the best chance of completely defeating spam.

With an estimated 70-90 billion spam messages sent every day, the problem is not going away. Don't wait for someone to solve the problem for you, visit The Stop Spam Now Site and review the very best methods of stopping spam.

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Women Home Porn Stars Make New Million Dollar Business of Cottage Industry on Internet Websites

How did this happen? Maybe it's just the natural course of events. Look at it: 1) Stay-at-home job 2) good income 3) less work 4) new technology 5) new culture 6) fame 7) public demand. How do these women (some guys too) decide to join in a burgeoning industry?

Let's work backward in the list.

PUBLIC DEMAND -Porn of various types has always been around. Good or Bad? There are some arguments for both sides of this question - which I won't go into now. But let's face it, images of nude people and people engaging in Adult Sex Siteual activities have been a multi-billion dollar industry. Record sales of Adult Sex Site aids are posted every year. These are used primarily for self stimulation (no moral comment here).

FAME -Some of these women become stars because of their niche offerings, or mainstream posing in the nude, for digital images or digital movies. Aside from webcams, this kind of material is available free of charge on the world-wide-web, or can be visited/downloaded for a range of prices or membership fees. Some girls freelance with boyfriend or husband or girlfriend to set up a low-cost website then acquire a following. They may take requests for types of posing, clothing, or activities.

NEW CULTURE -Or old? Although these images are much easier to distribute via website to satisfied customers, these new stars are doing the same things that have always been done. It's just that with web technology any woman can be a porn star. Some stars remain anonymous, others use their real name - even make guest appearances on television or at festivals. The web permits more anonymity to viewers as well.

NEW TECHNOLOGY -And growing everyday. Webcams, syndication feeds for new photosets or new stars, CD and DVD rent or sale, MPEG via internet, even cell phone images of supposed voyeuristic images. Now the model/star's voice can be marketable with movies. Lingerie sites have picked up on this and sell more merchandise to girls and guys.

LESS WORK -It's easier to make and upload pics than to work downtown in an office or store - although some of the most popular stars do both. Special lighting, backgrounds, settings, or makeup may be used but this is up to the star and her following. With blogging and CSS webpages available there is little work needed to maintain a site with customer log-in, etc.

GOOD INCOME -These cottage industry stars have very little overhead to subtract from their income. Many stars have told me that they were surprised at how much attention/money they received after startup. Some thought they couldn't compete with movie stars' pics or established hardcore sites or XXX - DVDs. The incomes reported range from very high to very little, but they all said it was good enough for what they put into their work/business.

WORK AT HOME -Aside from using a natural mountain setting or expensive hotel room, most of these women use their homes, or a disguised version of the backyard or kitchen. Some viewers prefer rich, impeccably clean surroundings - others like the naturalness of the home or garage. Some of these ladies have children, some live alone, some have roomies.

The "small-business websites revolution" has a major new trend - which might be the hottest of all cottage industries.

Arthur Browning

  • Web Templates Blog
  • Arthur Browning began his career teaching technical writing in a small midwestern university for 15 years. He later edited and published a national professional journal for some ten years. He is now an investor. His interests include art collecting, web marketing, writing.

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    Cancer Patients Along furthermore Hair Bereavement Obtain Ease In Wig Preparation

    Since victims of hair kicking of the bucket because of cancer remedies, like radiation or chemotherapy, preparing a good mark or a tradition wig in advance finish hair death might be an alright channel to relieve stress by eliminating the bald look.

    And the first concern for the reason that cancer patients is customarily hair loss, once it is not existence-aggressive, it could achieve emotional soreness. Cancer patients become visible compliance along furthermore succor, despite those shrewdness that their hair can fall out. There is the hope to cancer patients that a wig is often an possibility to hide their hair passing away.

    On usual, ordering time since a way of life chap hair wig takes six to eight weeks. As a result, one should set up in advance. Popping out at two months in advance radiation therapy, patients should consult a hair replacement or civilization wig connoisseur. At the moment, they may possibly discuss and the patients specific hair requires; which will comprises hair variety, color density, in addition to life product. A follow up check with will incorporates handy of and the modern-day custom wig, accomplishing those piece geared up before those hair bereavement becomes noticeable.

    Get your hands on a more contented as well as relaxing surroundings. One that pampers with supports you with a culture wig, a unique hair alternate because and the human being. The spend of a hair piece or a wig to conceal hair demise is what voluminous others are through.

    Its primary to procure and the wig ordered previous trailing hair. It is not hints changing hair classes right through and the onset of these healing. Since and the hair begins to fall out, it is suggested to bring in to these wig foremost because an swing. Also certain patients, hair will grow back behind these assistance is finished. Save for, a couple patients would never grow their hair back to the same thickness or texture.

    Handmade or custom-planned hair-pieces are higher overpriced than apparatus-arranged wigs. Those more whole look will troth in addition to a way of life man hair wig arranged by an expert specialist. Professionals who specialize in wigs plus hair replacement services provide some advantages unavailable at a standard hair salon or wig retailer.

    For more information on cancer wigs or cancer patient head covers you can visit our website at:http://cancer-wigs.newhotbest.info/

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    Managing Change -- Endings Are Just Doorways to New Beginnings

    Every May we celebrate Mothers Daya time to tell mothers everywhere how much we love and honor them. In the midst of all the holiday revelry we should take some time to reflect on just what this day representsthe end of nine months of waiting and the passage through births doorway to a new beginning.

    When I became a mother, this holiday took on a whole new meaningespecially when my daughter graduated from college. Graduation ceremonies at her university were always held on Mothers Day as a special tribute to the mothers who labored hard right along with each student and who rejoiced to see the ending and new beginnings. I was one of those mothers and 27 years prior to that day, my mother rejoiced on Mothers Day to see me graduate from the same university.

    Yes, Mothers Day creates happy endings and memories; but endings in and of themselves are not always happy occasions. We live in a world of new things. Endings almost always produce longing and melancholy, and new beginnings engender a powerful combination of joy and trepidation.

    What We Dont Like About Endings

    • They are so final. When something ends, a door closes. Things are never the same way they were before the ending.
    • They can be heartbreaking. Theres a nostalgia and bitter sweetness associated with endingsa sense of regret for what we have lost even when the ending is a happy one.
    • They force us out of our ruts. Endings are so insensitive. They dont care whether or not we are ready to transition into other things. When something ends, we are forced out of our paradigms, habits and routines.

    What We Like About Beginnings

    • They are fresh and new. Everyone loves to be refreshed. Each new day welcomes in a host of blessings and new beginningsat work, home or play.
    • They provide new opportunities. If we remain open and alert to them, beginnings can supply brand new and innovative prospects to pursue as well as challenges to overcome.
    • They are great Do-Overs. Beginnings give us a chance to correct mistakes, to start over believing that this time we will get it right and succeed.

    Endings Are Doorways to New Beginnings

    Stop looking at your endings as negative things that happen to you even when they bring pain and stress. Instead, see them as doorways to new beginnings full of blessing, new possibilities and fruitfulness.

    The bridge between our endings and new beginnings is like a growth spurt. Every human on the planet experiences a growth spurt every now and then. They dont stop just because were all grown up!

    What is a growth spurt and how do you know youre going through one?

    • Growth spurts happen. For adults, they can be short (a matter of days) or last for years (when this happens you think they are going to last forever).
    • Some people protest more about them and others seem to sail through them with the greatest of ease.
    • The pattern of growth is different for everyone. Some people grow in big spurts followed by periods of little or no growth. A persons environment can help as well as hinder his or her growth.
    • The problem with growth spurts is anticipating their arrival. You never know exactly when they will occur.
    • When they occur, you must have patience, understanding and spend a little more time in skill-building, learning and exploring any new opportunities that surface.

    Identifying Your Endings, Growth Spurts & New Beginnings

    Whats happening in your life right now? Are you going through a growth spurt, and if so, whats ending for you? Have you identified any new beginnings yet?

    All these questions can be answered with a little soul-searching and some effort. Use this simple tool to help in your search:

    1. First, list whats ending for you right now.
    2. Next, identify the small to large growth spurts that seem to be hovering around the endings.
    3. List any new beginnings you have discovered and put a plan into place to capture additional ones as you continue to evaluate your endings.

    A Final Word of Advice

    Don't allow growth spurts to rob you of your confidence. Remember, they bridge your endings and new beginnings. Without them, you become stale, lose ground and fail. With them you grow, develop and succeed.

    Althea DeBrule, entrepreneur and seasoned human resources executive, has focused for more than 30 years on helping people achieve their career goals. Creator of The Extreme-Career-Makeover and a founding partner of RADSGroup Organizational Consultants, she is recognized for her bottom line and practical application of career development and management strategies in a way that penetrates hearts and compels action. She speaks and teaches with inspired talent, humor and contagious zeal at management conferences and leadership retreats nationwide, and has been featured in CFO Club Seventeen Magazine, Strategy@Work, Human Resource Executive Club Seventeen Magazine. Althea is the author of Bosses & Orchards, a compelling and candid book about how to make your work relationship with your boss succeed. To discover how you can take your career to a new level, visit http://www.extreme-career-makeover.com/

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    Male Sex Appeal - What Makes a Man a Great Lover?

    Male sexual attraction is not what most men think it is and this is what this article is all about.

    If they got rid of the stereotype and focused on the reality of what women really want, they can be termed a sensational lover. So in terms of male sexual attraction what do women look for? Lets find out.

    Its not the size of his manhood, and while looks are important they are not often the over riding consideration for a women, neither is the fact that he has read and practiced numerous sexual positions.

    These misconceptions are peddled by the sex and download porn movies industry; however they are not important in terms of male sexual attraction to women, which is based on 4 principles:

    1. Appearance

    Before we move on to sexual attraction in the bedroom but first, lets quickly cover how a mans appearance and they way he presents himself.

    We all know that looks count but there are ways to make the best of what you have.

    Most women are just more interested in whats on the inside rather than simply looks.

    If you are polite, well mannered, romantic and considerate, these traits will normally impress any women.

    You may not look like Tom Cruise or David Beckham but not many people do however there are some simple things you can do to enhance your looks and appeal.

    Starting with the face, make sure that your skin is well cleansed, toned, moisturized and always be aware of what women always like in a man which is:

    A beautiful smile.

    Today, getting an eye catching smile is easy.

    Obviously, regular trips to the dentist are a must, but also make sure your teeth are gleaming white. Its a great feature to have and with Tooth whitening kits around for under 50 dollars, you have no excuse.

    The way you dress is critical to how people perceive you.

    If you dont have an eye for fashion don't worry, invest in an image consultant Its a few hundred dollars well spent and they are trained to show you how to look your best.

    Now, the next stage.

    What women want in the bedroom and how to satisfy them.

    2. Consideration

    A great lover is a considerate lover.

    You are not there just to satisfy your needs, you need to satisfy your partner as well.

    This of course, takes openness and communication. Dont be shy or embarrassed, to ask your partner what she likes and doesnt like.

    Your both adults and communication is essential to great sex.

    3. Love making technique

    There is no such thing as the right way to make love.

    We all have different likes, dislikes and things that satisfy us.

    There are however some basics that apply to most women.

    Women dont normally view sex as simply sex; they view it as forming and exploring an emotional attachment.

    They need plenty of foreplay, to relax and enjoy sex and generally, it takes women a lot longer to be ready for intercourse and orgasm.

    We have explored foreplay in our other articles but consider this:

    90% of women dont feel their men kiss enough! So kissing is a must.

    Also:

    More than 85% of women are concerned about their bottoms and dont see it a positive feature.

    Make sure you boost their confidence. You need to pay it some attention, kiss it, stroke it and tell her you love it.

    There are many more tips you can use for foreplay but notice how those two examples are linked to intimacy and emotional bonding, which is essential to becoming a great lover.

    Oral sex

    Women love it and many women find it easier to orgasm via oral sex rather than full sex.

    There are proven techniques that work. Use them and ask her what she wants and how she likes it No single act ( apart from maybe intercourse itself ) will impress a women more than good oral sex.

    4. Orgasm & Satisfaction

    The aim is to bring your partner to a hugely satisfying climax and for this you must target the G spot.

    Do you need to be an Olympic athlete are trying a position from a download porn movieso movie?

    No.

    You just need to learn the top positions of the Kama Sutra and you will find positions that are easy to do and will bring your partner to orgasm.

    More to it?

    Yes there is.

    The positions and techniques are contained in other articles in this series, however the above is a basic framework for you to build on.

    If you do, you can become a great lover.

    Sounds easy?

    It is, you just need to know what a woman really wants and most men dont.

    MORE FREE INFO

    On all aspects of how to get more from sex and relationships and everything to do with sexuality visit our website for a huge resource of articles, features and downloads and at http://www.net-planet.org/index.html

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    How to Get 'Triple A' Credit in 25 Days

    Good credit is everyone's dream. A wise use of credit can go a long way. It certainly makes certain goals in life (like acquiring business loan from bank) easily attainable.

    But the key question remains: "What does it take to achieve 'Triple A' credit?"

    First and foremost, it is important it is critical to point out where most people go wrong when it comes to their credit and credit report.

    People with bad credit will usually seek credit repair help. Most would seek credit expert advice and few will try to do it themselves by purchasing a credit repair book.

    Mainly, the problem is not the type of help you hire, rather the assumption you are left with after the whole credit repair process.

    Where most people go wrong is that once their credit report is free of any negative entries (or errors), they simply assume that they now have an excellent credit.

    That's simply untrue.

    In reality, your credit is not bad because you now have managed to erase the negative entries that was shown on your credit report before. At the same time, you do not have ' Triple A ' credit either.

    Unless, you have positive items or entries showing on your credit report.

    And the key to a successful credit repair is not just getting rid-off the negative entries on your credit report, but rather to show-off that you have multiple positive entries on your credit report that can buy the confidence of your bank to loan you their money.

    You can find numerous articles dedicated to guiding through the credit repair process, but few will discuss further than just repairing your credit. Meaning few will tell you (better yet, know about),

    "How to add positive entries to your credit report?".

    It is very important you understand that, you can repair your own credit and make it flawless, better than anyone ever could. Today, there is so many help on credit repair help, but not all are legitimate help. And it is extremely important to keep that in mind.

    If you want to avoid getting chopped-down by bogus repair companies, take the following two statements as an advice that will serve you a long way.

    1- There is no law available to any credit repair company, expert, or attorney - that is not available to you as the credit consumer.

    2- Credit repair companies use the same law made available to you by congress to repair your bad credit. And they certainly can not change the law for their clients.

    The above two simple statements might seem obvious, but repeating them like a mantra can be the difference between getting ripped-off and getting the 'Triple A' credit you deserve.

    Back to the main point - "How To Achieve Triple A Credit?"

    Here you will learn two powerful and proven ways that will give you a sterling credit in the shortest time possible - 25 Days. Apply the following two techniques and, guaranteed, you will give your credit a face lift that would have banks open their check book.

    1. A Millionaire's Credit in 25 Days.

    Do you have a checking account and a savings account? Good. If you dont, no worries, these days you can open an account online. It should take you no more than 5 minutes. You got your accounts opened? Good, now comes the second phase.

    Phase 2: Now you will need your savings account to use it as a collateral. Now using your savings account ask your bank for a secured passbook loan.

    You can borrow a dollar for dollar with a passbook loan. This type of loan works well with as little as $300, but if you have $10,000 - thats even better. Once you secure a loan with a passbook you can not touch the funds until you have fully repaid the loan. Remember, you should be able to do with-out these funds for 30 days.

    A bank secured with your passbook loan has no risk in lending you money, so any bank should be willing.

    Note: It is extremely important that the bank reports your loans to the credit bureau. Therefore ask your bank "If they report your payment history to the three credit bureaus?", it is critical part of this whole process.

    After all, the whole purpose of you doing this is to add zing to your credit report with a very powerful and positive payment history, right?

    Now once you borrow the money, wait 25 days and repay the loan back to your bank. Because you have fully repaid your loan the bank will send your positive payment history to the credit bureau.

    That's a grand slam!

    Now you have the bank as your friend and the credit bureaus can not help it but report your good payment history.

    2. How To Use $500 - $1000 into A Millionaire's Credit.

    With lets say a $1,000 in your account, ask the loan officer for a 12- month a $1,000 passbook loan. Do not be discouraged, you can certainly achieve this with less money, but if you can afford to do it dont hesitate.

    By the time youre done with this technique - - - well itll be all worth it. Just wait and see. Since this is a secured passbook loan (meaning, it is secured by the amount of money available in your savings) most banks will not run a credit check. And if they tried to do so explain it to them why they should not as it is secured by the money you already have in your savings account.

    Which you wont be able to access until you payoff your loan anyway, so there is no justified reason to run a credit check.Now with the $1,000 secured passbook loan from your first bank, open a savings account at another bank with the $1,000 loan received from the first bank.

    The request that they give you a $1,000 12-month loan and do not mention the loan received from the first bank. Wait about a week or two, go to a third bank and repeat the process.

    Next, at one of the three banks open a checking account with the $1,000 you received from the third bank. You now have a$1,000 in a checking account and three outstanding 12-month loans at three different banks for a total of $3,000. Deduct your original $1,000 and you need only repay $2,00 plus interest.

    Note: Make sure that you ask your bank if they have a pre-payment penalty because you do not want that.

    Finally, about one week later start to pre-pay your three loans.

    Now you have an advance payment record with three banks and will have established powerful credit for your credit report. From now on every type of loan and credit card will be yours for the asking.

    Here you are with un-touchable credit, three big banks as your future business friends, and a credit bureau reporting positive payment history all in just under 30 days. You just learned about one of the very few techniques that can change your credit significantly within a month time.

    Of course you can apply these techniques for as long as you like and keep improving your credit. Apply these techniques discussed and you will get the Triple A credit you deserve.

    About The Author

    Copyright - 2004 www.deleteuglyredit.com

    Omar M. Omar is the owner of http://www.deleteuglycredit.com and - Author of "The Credit Repair Bible" book. The website is dedicated to providing credit consumers free advice on how to repair credit. It also provides credit consumers numerous information about their credit report, credit laws, and their rights as a consumer.

    omar@deleteuglycredit.com

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    Golf Cart Accessories

    Golf cart accessories can actually enhance not only your golf game, but your total sporting ensemble. Looking good obviously makes you feel good and play better. When you are on or off the golf course looking your best says a lot about who you are and what's important to you.

    Golf carts come in various brands, Club Cart, EZ-Go, Yamaha, Harley Davidson, are the most widely known golf cart manufacturers. Each distinguishes itself with a little different style and flair, but all are comparable in their delivery of service and durability.

    Golf cart batteries are somewhat different in what you can expect as far as service, strength and longevity. Buying bargain priced golf batteries can result in more frequent purchasing of your golf batteries and may offer less than desirable performance. Exide and Trojan are two well-known brands and have a history of producing favorable results to many golf cart owners.

    Golf bags are the most admired or at least the most eyed part of your golf ensemble. Golf bags say everything about what you think of your golfing sport disposition. Either you strike your viewers as the low cost, get by, type, or you may choose to say, hey, I'm on the top of my game, just by the style golf bag you select. Contrary to popular belief, it's not always what brand of irons you are carrying that determines your final score. So, when hitting the links, choose a golf bag that makes a statement and you've set your opponents in the mood you want them before you even reach the first tee box.

    Golf push pull carts have come into a whole new life of their own as well. Time was, when a push pull golf cart was your basic tripod aluminum prop for minimum golf bag transportation around the golf course. Not anymore, golf push pull carts are high tech golfing ensemble statements. Today's golf push pull carts are a portable office caddy that can not only carry your clubs, but your lunch, your GPS, your laptop, and even be motorized to share the burden of transporting you portable office.

    Golf Cart Accessories and more can be the most important part of your game. Visit AuctionAds Online for the Best Deals!

    Golf Cart Accessories and more can be the most important part of your game. Visit http://wealthsmith.com/golf-cart-accessories.htm AuctionAds Online for the Best Deals!

    http://wealthsmith.com/golf-cart-accessories.htm

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