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How do you fill those summer days or weekends throughout the year with educational activities that will entertain your kids? How do you make sure they get enough fresh air, even when you don’t have the time or effort to take them down to the local park? How do you introduce your children to your love of wildlife through a medium that this tech-savvy generation understands?

Your own backyard is your children’s educational playground and your cell phone is the only tool you’ll need to teach them all about the wildlife you love to watch and wonder at from home! If you’re one of the 47.7 million people in the US who make their backyards a welcoming environment for wildlife, your kids will be able to learn about the wildlife that comes to you?like the birds that come to munch on those seeds you put in your feeder!

While you wait for the birds to come, teach your children the joy of sitting outside and relaxing by engaging them in a quiet activity that will occupy their time and not scare away any critters! When a bird comes, take out your cell phone and identify the bird by flipping through a guide of the most common birds in your area and reading the descriptions complete with identifying markings on crystal clear pictures. Or figure out what bird it is by streaming the sound of the bird’s call!

You may have heard of the Peterson Field Guide to Birds, which has sold over ten million copies ?a recent edition of the book in honor of the founder’s 100th birthday has recently been released. So get the official Peterson Mobile Field Guide to Backyard Birds for any cell phone on any server with an Internet connection and teach your children the wonders of being an amateur bird watcher and nature lover!

For an unbelievably low monthly fee, get Peterson images, descriptions and range maps for twenty of the most common birds in your area. If you take your children on a trip, take the love of nature with you! Enter the ZIP code of the area you’re headed to (it’s changeable each month) and have a complete guide of the most frequent avian visitors who flock to the place you’re flocking to yourself!

A phone with streaming sounds capabilities can give you the added bonus of being able to identify a bird by its song. Your children may well love this feature he most! Imagine their giggles as they listen to each of the birds about which they are learning[DRG1]?and get to know instantly which bird they’re viewing!

Even when the birds aren’t around, you can sit down with your children on a picnic blanket in the backyard and show them all the pictures of the most common birds in your area. Read the descriptions aloud to them, or if they’re learning to read, have them read it to you. Share the feeding advice you learn from the guide and plan a trip to a store that carries bird seed so that you can make your backyard into the perfect welcoming environment for the birds your children most want to see!

When you’re finished, have your children complete interactive multiple choice quizzes that come with the Peterson Mobile Field Guide to Backyard Birds and see how much they’ve learned! Give prizes?like their own set of bird-watching binoculars?if they score really high!

Teach your children to appreciate wildlife on those slow days off from school and give your children a gift that they’ll take with them their whole lives. Make it easy for them, as members of a video-game generation, to interact with their bird-watching guide and you’ll find that you can hardly tear them away from it until night fall!

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It’s true that online games can help relieve stress. But there are many types of online games available on the Internet. These range from freely available massively multiplayer role playing game (MMOPRG) to tiny Flash games.

Role playing games are very fun. You can interact with others online, and there are entire virtual worlds out there. These worlds are actually a duplication of the real world, except that you can do a lot of fantasy stuff like killing monsters or casting spells. In these worlds, there are usually active economies. That means trading, buying and selling are taking place every day. Virtual currency is used for trading. They are commonly known as gold or platinum. “Money” is usually in the name of some precious stones.

But although these games are fun and exciting, they are also time consuming. If you don’t have huge blocks of time available, it is unlikely that you will get to enjoy these games. As most people are busy with day jobs and a busy life style, these games may not be the ideal source of entertainment.

Fortunately, there are other games freely available on the Internet. These are usually Flash games. Flash is a plug in for the browser. Traditionally, this plug in needs to be downloaded and installed into the browser before Flash games can be played. However, almost all modern browsers come pre-installed with this plug in. So there is no need to worry about installation issues.

To play these games, all you need is an Internet connection and a modern browser. Mozilla Firefox is highly recommended. Some sites may require you to register before you are allowed to play these games. But most sites allow you to play for free with registration.

There are many types of games in many different genres that you can play. You can choose to play arcade games, adventure games, puzzle games, racing games, funny games, action games and more. The type of games that you choose to play largely depends on your personal interest as well as the amount of time you have on hand.

Many free games sites have evolved to become mini community sites. These sites allow players to interact with one another through special features such as commenting and rating. From the rating system, you can easily see which are the top games, and head straight for those.

While you play a game, you may get stuck sometimes at some difficult levels. In this case, you can often get hints just by reading the comments left by other players.

All in all, online game is not just an entertainment experience. It has also become a social experience. Interaction that has not been possible before is now widely available. In fact, many players have come to expect at least some form of interaction capabilities like commenting or chatting. These special features make the gaming experience so much more enjoyable.

The right domain name can be the difference between success and failure. You might have the best website in the world, but if your domain name is terrible than you might as well close up shop. You can get great Australia domain names that are perfect for all of your business or personal needs.

In Australia the biggest domain aftermarket is able to get you just the right domain. There are thousands and thousands of Australia domain names that are available to select. If you have tried to register a domain and found it to be already taken in Australia, the biggest domain aftermarket can help you get the one you want or another that is even better. The Australia domain name aftermarket is full of great URLs that are ideal for a business, blog, website or even for personal use. Australia aftermarket domains can help you get a great domain that will keep your website getting tons of traffic!

In Australia, buy domain names for personal use and you can set up a great website or personal blog. There are tons of different names you can buy or create your own all with the domain associated with Australia. Buy domain names that contain your own name or one that is complete made up. The only limitation is your creativity.

If you already have a domain that is distinct to Australia, sell domain names and make money. If you have bought domain names that you have no use for, then you can sell them and not only get your money back, but in some cases you can make a profit. In Australia, sell domain names to others who want to use them for their own purposes.

If you are looking for a really premium website URL, then an Australia domain names auction is a great way to save money. An Australia domain names auction enables you to pay far less than you would for a premium domain. Many auctions are for domains that are highly valued and being able to purchase one of these domains can often be a rare occurrence. Be sure to find out when an Australia domain names auction is going to occur. If you keep informed on when what domains are going up at an Australia domain name auction, then you will have the best chance of paying less for a great domain that can be worth thousands and thousands of dollars.

There are thousands of great domain names that are available for sale. If you are looking to start a website for your family, a personal blog or for your business, then you will need a truly great domain. If you have a website, or own a number of domains, then you can sell your domains and make money. You can put the domains up for auction or sell them for a profit. Many people will buy or register domain names just to try to sell them and make a profit. Get Australia domain names today and get started with a great website!

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If you are looking for a great gift to give anyone that you care about you should consider? jewelry. There is a common misconception that jewelry is just for loved ones and not appropriate for everyday gift giving. This is not true. There are thousands of great gifts to choose from that make perfect gifts for friends, associates, teachers and others.

If you have friends who are religious you know that trying to find an appropriate gift can be difficult. Christian jewelry is an ideal item to give a person who is difficult to shop for and is spiritual. Christian jewelry charms are the perfect trinket to give as a gift. A woman or young girl would love to receive Christian earrings as a give. Any Christian jewelry can be given on religious holidays or during any other time of the year.

If you have a senior citizen who is in ill health, finding the right gift can be very difficult. The ideal solution is to give them medical alert jewelry. Medical alert bracelet jewelry is something that any senior who has a life threatening illness will be happy to receive. Most medical standard alert bracelets are not very attractive. You can buy high-quality and beautiful medical alert bracelet jewelry in a wide range of styles and options. Medical alert jewelry does not have to be drab. Give a gift of Medical alert bracelet jewelry and it will put a smile on the face of the recipient.

if you have an acquaintance who is in the military or has a family member who is in the military. The gift of a sterling silver military charm is a great way to show them that you care. A sterling silver military charm shows that you care and also appreciate the dedication to the country.

Many women love to show off that they have children. Many mothers will spend hours and hours telling stories of their children. Give any mother you know a beautiful mother’s ring in sterling silver and let them show off to the world that they love their kids. Each time that they talk about their children and the mother’s ring in sterling silver that you gave them, a smile will be on their faces.

The gift of jewelry is the perfect give to give anyone as well as a friend. A sterling silver bracelet is the perfect gift to give to your daughter, grandmother or wife. Any acquaintance who receives the gift oh high-quality jewelry will instantly consider you as a friend. Sterling silver bracelets, earrings, charms and other items are affordable to give as gifts and will be cherished forever by the recipients.

Finding the right gift is easy when there is so many great items to choose from. From medical alert jewelry and sterling silver military charms to a mother’s ring in sterling silver and elephant pins there is no shortage of finding the right item for the right person in your life.

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Many people struggle with what to give as a gift to a loved one, child, friend or acquaintance. There is almost an unlimited amount of things a person can choose to give as a gift, but there are few things that will actually be appreciated by the recipient for years to come. A gift certificate for dinner or a bottle of wine will be forgotten within weeks. Clothes go out of style or wear out. Kitchen appliances just end up in a cabinet collecting dust. The gift of jewelry is different. The gift will be cherished forever. There are thousands and thousands of great items to give that will be worn by the recipient and passed on to their family for years.

A discount sterling silver charm is a great gift to give. While a discount sterling silver charm might cost you less, it will still get the same reaction as a full-price piece of jewelry. Faith jewelry is a great gift to give any of your friends or family members who are spiritual. Faith jewelry will be worn with pride and appreciation when the recipient goes to their religious services.

Give a friend sterling silver bracelets and get one for yourself. There is nothing better than having a visual bond to a person you truly care about. When you give your friend sterling silver bracelets, be sure to get them engraved for an added touch. An interchangeable ring in sterling silver is also a great gift to give someone you care about. Just like bracelets, be sure to get the interchangeable ring in sterling silver engraved with a message or note.

Hopi sterling silver jewelry is also a gift that will be appreciated. These Native American style designs are beautiful and highly treasured for years. Hopi sterling silver jewelry is unique and the designs have meaning. Be sure to find a design that represents the sentiment that you wish to pass along to the person you give the gift.

Lily by Watson sterling silver is highly desired and if you choose to give this as a gift you will be remember for having given a truly spectacular gift. Lily by Watson sterling silver is a truly wonderful gift to give as a birthday present as it will make all of the other gifts pale in comparison.

If you are looking for sterling silver with faux sapphire stones then you are on the right path to getting a great gift. Many people wear sterling silver with faux sapphire stones with casual outfits as well as formal wear. The fact that sterling silver with faux sapphire stones is able to be worn in almost any occasion makes it a perfect gift for nearly everyone on your gift giving list.

Looking for something unique? Scalloped sterling silver bezel wire is a great gift to give. The unique gift of scalloped sterling silver bezel wire will stand out among all of the other jewelry that is owned by the recipient.

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Over your cup of morning coffee, you glance outside and what you see takes your breath away. It’s some sort of? Well, it’s got a blue back and? It’s a bird that’s making a sweet sound? You don’t know exactly what it is! You slam your coffee mug on the table and run two rooms away to the den to start rifling through the bookshelf. Somewhere you’ve got the Peterson Field Guide to Birds. You finally find it! You run back to the kitchen, flipping through the index to find what you think it might be and? The bird is gone.

It would have been nice to tell your spouse which pretty bird the seed he or she picked out was attracting, but you don’t remember enough details about the little guy that you could look it up now that you finally have the book in hand. Was it a Mountain Bluebird or a Western Bluebird? Or another bird entirely?

You love the Peterson Field Guide, but it’s never right there when you need it the most. If only you could bring up an interactive guide of the most common birds in your area at the push of a button. If only that book came with a sound sample of each bird’s call so that you could easily identify a bird without even needing a close look before it flies away.

The future of the Peterson Field Guide to Birds is now! Sign up for the official Peterson Mobile Field Guide to Backyard Birds, available for any mobile phone with Internet access on any carrier. For an incredibly low monthly fee, you’ll have a completely interactive Peterson Field Guide to Birds, complete with the listings of twenty of the most common birds in your area. And you can update the ZIP code each month if you travel frequently and receive data for twenty more birds in that area!

The mobile guide even comes complete with feeding advice so you know how to attract those backyard birds you’ve longed to see. Take quizzes to test and foster your bird identification skills and get mobile access to official Peterson range maps, too!

All birds listed in the Peterson Mobile Field Guide to Backyard Birds come complete with crystal-clear pictures and arrows pointing out key features to help you identify the bird. If your cell phone supports streaming sound, you can even sign up for an identifying bird calls feature! [DRG1]

Recently the Peterson Field Guide celebrated the 100th year since the birth of its founder, Roger Tory Peterson, with a special edition of the well-loved Peterson Field Guide to Birds that’s sold over 10 million copies. There’s only one place to get the official Peterson Mobile Field Guide to Backyard Birds, so check it out now and start learning about the birds you love. You can get the same images, maps and text you find in the Peterson Field Guide and now have it always handy on your cell phone.

If you’re one of the 47.7 million people in the US who loves to watch birds and you’ve put your fair share of money down towards feeding them?like a part of the $3.4 billion Americans spent on feeding wildlife in 2006?then this is the perfect investment for you! It’ll make your backyard bird-watching so much easier, you’ll wonder how people ever managed ?back in the day? when paper books were their only option!

This feature is a sound sample of several of the birsd’s best known calls. It cannot do the idientifying for you with your sound sample. You can just stream te sound ofo the bird so you can learn it.

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When most mortgage loans were originated by depository institutions, the limited credit went to prime borrowers at prime rates.1 Prime rates are generally the most favorable and least costly to borrowers and they are normally only offered to those whose income, assets, and credit record meet certain minimum standards established by prime lenders.2 Conversely, subprime mortgages are offered to home buyers who fail to meet the strictest lending standards. Such borrowers may be denied prime loans because they have low income and/or they may have poor credit history. In theory, subprime loans offer an invaluable service to borrowers as they provide loans to those who can afford the mortgage, but could not obtain financing due to sub-par credit scores.3 Subprime borrowers? credit scores typically fall below 620, on a scale of 350 to 850.4 Subprime loans offer borrowers who would potentially only be eligible to be rent the opportunity to become homeowners, and in 2005, subprime loans helped boost U.S. home ownership to a record 69 percent of households,5 which would seem to please advocates of the CRA. Subprime mortgage originations now make up 20 percent of all mortgages, while historically subprime loans have been just 10 percent to 12 percent of the overall market.6

Subprime loans are not exclusively made for mortgages, but are also originated for refinances. If someone already owns a home, a subprime loan can give him an opportunity to clean up his credit. The cash out that a refinance provides could be used to pay off other debt, such as higher rate credit cards, and ultimately help the borrower refinance into a lower rate at a later time.7

However, due to the risk profile of the subprime borrower, this access to credit comes at the price of higher interest rates. As a result, whether for a purchase or refinance, subprime loans should typically be used as a short term solution, approximately two to four years.8 During that time, a borrower should aim to clear up his credit, so that he can qualify for a refinance into a lower risk, lower rate loan.9

WHY THE GREAT INCREASE?

There was an explosion of subprime lending during the last ten years and subprime lenders were highly visible in American culture. Ameriquest Capital Corporation (Ameriquest), one of the nation’s largest subprime lenders, paid an estimated $15 million to sponsor Super Bowl XL halftime show and became a season-long NFL sponsor.10 In addition, the California-based firm had acquired the naming rights to the Texas Rangers’ baseball stadium, Ameriquest Field.11 This great increase can be explained twofold. First, there was a great demand from the borrower side because of the unprecedented rise in U.S. home prices during the past six years.12 As a result, borrowers were forced to agree to risky financing as it was the only way many of them could afford a home in some of the hottest housing markets where prices more than doubled in five years.13 In addition, many subprime lenders target potential refinances, where the individuals have a great deal of home equity but little else. Because equity increases not only as the mortgage is paid, but also as the property enjoys appreciation, many borrowers saw an unprecedented growth in their equity due to the great appreciation of homes during the housing boom. As a result, they used the equity in their homes to obtain an additional loan. With home prices high and interest rates low, refinancing seemed appealing.

Second, there was a great increase in subprime loans because the lenders were more than willing to offer loans with high interest rates. Because the typical subprime borrower has a low credit score, lenders can charge higher fees and higher rates, which leads to greater profits for the lenders. According to Forbes Magazine, subprime consumer finance companies can enjoy returns up to six times greater than those of the best-run banks, which typically produce more sound loans, but yield fewer profits because of lower interest rates than those of the subprime category.14 Unfortunately, many believe the rise in subprime lending is largely attributed to aggressive and misleading advertising to low-income, elderly, and minority communities. This type of lending has become known as predatory lending.

PREDATORY LENDING

Although there is no uniform definition of predatory lending, it is generally described as the practice of making loans containing interest rates, fees, or closing costs that are higher than they should be in light of the borrower?s credit and net income, or containing other exploitive terms that the borrower does not comprehend.15 Mortgage brokers often had arrangements with lenders whereby incentives were included to steer borrowers to the lenders that pay brokers the most, rather than the lenders who provide the most favorable terms for borrowers.16 In addition, some lenders made home mortgage loans without regard to the borrower?s ability to repay.17 Furthermore, aggressive brokers sometimes steered borrowers who could qualify for prime loans into subprime loans because there were higher fees involved. It is estimated that up to 15 percent of subprime borrowers have credit scores which would qualify them for traditional prime loans.18
1 Julia Patterson Forrester, Still Mortgaging the American Dream: Predatory Lending, Preemption, and Federally Supported Lenders, 74 U. CIN. L. REV. 1303, 1326 (2006).
2 Dennis E. Gale, Subprime and Predatory Mortgage Refinancing: Information Technology, Credit Scoring, and Vulnerable Borrowers, http://repositories.cdlib.org/iber/bphup/meeting_papers/C01-001 (last visited Apr. 15, 2007).
3 Kimberly Blanton, Dark Side of Subprime Loans: Mortgages for those with bad credit leap in popularity despite high foreclosure rate, THE BOSTON GLOBE, Aug. 3, 2005, available at http://www.boston.com/business/personalfinance/articles/2005/08/03/dark_side_of_subprime_loans/.
4 Id.
5 Id.
6 Liz Moyer, Overblown Fears in Subprime Land?, Mar. 14, 2007, Forbes.com, http://www.forbes.com/business/2007/03/13/subprime-mortgage-risk-biz-cx_lm_0314subprime.html (last visited Apr. 15, 2007).
7 Jefferson Funding LLC, Subprime Loans, http://rws.mortgage101.com/templateroot/articles/LoanPrograms.asp?ArticleID=1226&PVLID=16311 (last visited Apr. 15, 2007)
8 Id.
9 Id.
10 Sue Kirchhoff & Sandra Block, Subprime Loan Market Grows Despite Troubles, USA TODAY, http://www.usatoday.com/money/perfi/housing/2004-12-07-subprime-day-2-usat_x.htm (last visited April 16, 2007).
11 Id.
12 Andy Laperriere, Mortgage Meltdown, THE WALL STREET JOURNAL, Mar. 21, 2007 (Opinion).
13 Id.
14 Anne-Marie Motto, How Predatory Mortgage Lenders are Destroying the American Dream, 18 GA. ST. U. L. REV. 859, 867 (2002).
15 Tania Davenport, An American Nightmare: Predatory Lending in the Subprime Home Mortgage Industry, 36 SUFFOLK U. L. REV. 531, 541 (2003).
16 Subprime Lenders: Southeast Tennessee Legal Services, http://www.selegal.org/subprime.htm, (last visited Apr. 12, 2007).
17 Barr, supra note 1.
18 Blanton, supra note 17.

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In March, 2007, a top Federal Reserve Official admitted that the central bank could have done more to prevent the growing crisis in the subprime mortgage sector.1 Some attribute the problems that are arising today to the tenure of former Fed Chairman, Alan Greenspan.2 In 2003, the Fed cut its benchmark rate to 1 percent and kept it there for a year which helped foster a housing bubble.3 The interdependence of mortgage lending and the demands of Wall Street for high-yielding mortgage bonds increased the demand for high-risk loans and thus lending standards declined in order to meet these demands.4 The effects of the low interest rate were tremendous, as subprime mortgages almost doubled to $640 billion in 2006 from $332 billion in 2003.5

Why did the federal regulation industries not foresee the problem or attempt to implement stronger restrictions? Federal bank regulators say their authority extends only over the institutions they oversee and does not extend to the state-chartered mortgage brokers that represent a large share of the industry.6 However, consumer advocates argue that this is not entirely true.7 For example, the Truth in Lending Act gives the Fed rule-writing authority over disclosures for consumers’ credit among all financial institutions.8

RATING AGENCIES

Some are also blaming the rating agencies. House Financial Services Chairman Barney Frank questioned housing industry officials during a recent hearing on how good a job the rating agencies had done considering an estimated 13 percent of subprime loans are now in default and an increasing number of lenders have filed for bankruptcy.9 Although investors are attracted to the higher yielding tranches which contain subprime loans, it is not certain that the investors would have invested in some of the riskiest loans without the rating agency’s backing. The rating industry claims that it had little historical precedent to rank the new subprime loan products that featured the most risky characteristics, such as mortgage loans with little or no documentation or ones that offered a low introductory teaser rate in the first few years.10 In addition, they argue that as the market changed, they adjusted their ratings, so they should not be blamed.11 Warren Kornfeld of Moody’s claims that the rating agency’s job is to express its opinion. “A rating is not a pass/fail. A rating is a probability of potential losses to bondholders.”12

PRIVATE INFORMATION

Another criticism of the current policy is the lack of public disclosure.13 Under the supervising enforcement powers, more than half of the potential actions, such as a memo of understanding and consent cease and desist orders, are confidential and thus never reach the public eye. Proponents of this system claim that there are a relatively low number of formal actions, which is an indication that the supervisory process is working.14 Critics however, argue that the regulators’ private responses harm consumers by depriving them of information that might be necessary for them to take action on their own behalf.15 Consumer education seems to be the problem and not necessarily disclosure. If all of the confidential actions were made public, there would be a greater likelihood that unwarranted scares would exist within the community, which would greatly disrupt the financial institution markets.16
1 Sue Kirchhoff, Fed Official Acknowledges More Should Have Been Done in Subprime Sector, USA TODAY, Mar, 23, 2007 at 6B.
2 Craig Torres & Alison Vekshin, Banking Regulators Fell Off Tightrope, SUN-SENTINEL, March 18, 2007, at 1E.
3 Bill Swindell, Democrats Turning to Credit Rating Agencies’ Role in Subprime Loan Crisis, CONGRESS DAILY NATIONAL JOURNAL, Apr. 18, 2007.

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Every phone number has a specific area code. You already know that your telephone number has a specific area code, which is set according to which area of which state you live in. This is common for all people who live in the same area as you. The actual telephone number is unique for every person. The Area code look up allows us to see the state in which a certain person lives and the actual telephone number can give you information such as the name of the person and his/ her address.

Receiving information about a certain person only by providing his or her telephone number can be very difficult. You need to make a lot of phone calls, look in yellow pages or search the Internet. Even so, you might not be able to find out information about the person who has called you. Luckily, you can always use area code look up.

There are certain web sites that can make your job a lot easier by allowing you to search area codes. Every state has a certain number of area codes. These codes are listed for every state. So when you receive a call from another state and you want to see which one it is or just verify some information you have been given, you can search area codes using these special web sites. There are certain fees you must pay, but they are rather small in comparison to the information you are about to receive. Your privacy is also guaranteed when using such a web site.

Moreover, aside from finding out what state your caller resides in, you can also find out other valuable information on him or her by using area code look up. The web site that allows you to find such valuable information requires membership and it is accessible to all types of users.

In order to search area codes and find out information about your caller, you need to register. For a certain amount of money, you can use area code look up as many times as you like within a year and for each search you receive a full phone report. If you are interested in finding out information about only one telephone number, then the fee you must pay is considerably smaller.

Moreover, by using area code look up, you can avoid unwanted problems. When you speak with somebody on the phone, you can not verify his or her identity. In other words, you have no choice but to hope that he is indeed who he says he is. If you search area codes, you will not have to rely on your caller?s honesty. You can make sure for yourself that person is indeed the one he said he was.

Area code look up has many advantages. Therefore, the price you have to pay in order to benefit from these advantages fades in comparison to what you receive. Information is the most powerful weapon you can have. If you search area codes and get information on the people who call you, then your new found powers can prevent a lot of problems.

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