The amount due each month is $1,218.86. The time frame from the first point of credit to the transaction's eventual maturity is referred to as the "repayment term."
The accomplishment of the exporter's obligation under the export contract is often the starting point of credit (e.g., shipment or project completion). Repaying a loan involves paying back the money you borrowed from a lender plus any relevant interest. The repayment plan often consists of a set process (referred to as a loan payback schedule) in the form of equivalent monthly installments, or EMIs.
The monthly payment computation is displayed below;
Here RATE = 9% divided by 12 equals 0.75%.
PV = -$90,000 FV = $0 NPER = 9 x 12 = 108
the following formula;
=PMT(RATE,NPER,PV,FV,TYPE)
When the aforementioned calculation is used, the monthly payment is $1,218.86
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Modern businesses use different technologies to accomplish work tasks. which type of technology is described in the given sentence? is intangible creative work that is embodied in physical form.
Intellectual property is intangible creative work that is embodied in physical form.
An idea becomes intellectual property once money is spent on research that might have beneficial economic and societal effects. Patents may be used to safeguard intellectual property for this reason. A patent provides legal protection against unauthorized use of intellectual property by third parties.
Initially, intellectual property is an intangible asset, meaning it is an idea based on a scientific theory rather than an actual object. However, when a concept is turned into a tangible good, intellectual property may take on physical shape. For instance, a researcher may find a substance that may treat a condition that was formerly thought to be incurable. The scientist owns all intellectual and intangible rights to this invention.
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The daily cash count of cash register receipts made by department supervisors is an example of a. other controls b. independent internal verification c. establishment of responsibility d. segregation of duties
Internal independent verification is employed in this circumstance.
What is employed student?
Having a job while attending college full-time as a full-time student is referred to as student employment. At least 12 credits are typically taken each semester by a full-time student. Student employees are those who work while they are students. Any student who works on campus is considered a normal student employee. College students struggle to manage their time between living away from home, attending classes, working a job, and making ends meet. The majority rely on their parents or off-campus part-time jobs. Many colleges are aware of this issue and provide regular student employment—on-campus jobs—to students. When a student isn't in class, the school pays them from their budget to assist them get a job.
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Behavioral science includes the fields of psychology, marketing, accounting, and geology. True/False.
Explanation:
Behavioral science relies on scientific research for developing theories about human behavior that can be used to provide practical tools for managers.
Randy Hill wants to retire in 20 years with $1,000,000. If he can earn 10% per year on his investments, how much does he need to deposit each year to reach his goal
In 20 years, Randy Hill wants to have $1,000,000. To achieve his objective, he must deposit $31,474 annually if his investments earn 10% annually.
An asset's potential to rise in value over time is what investments are all about. Investment necessitates the giving up of a gift asset, such as time, money, or effort. The goal of making an investment in finance is to get a return on the asset that was invested in.
An asset that is acquired or invested in to create wealth and store hard-earned profits or appreciation is an investment. The primary goal of funding is to generate additional income or gain from the investment over a predetermined time period.
15 is N,
10 is I,
0 is PV,
and 1,000,000 is FV.
Solution for PMT: (rounded) $31,474
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which of the following is not a factor that causes buyer bargaining power to be stronger? A) The products/services needed from suppliers are in short supply. B) Industry members can’t integrate backward and self-supply themselves. C) The item being supplied is a commodity. D) The item being supplied significantly enhances the quality or performance of the products of industry members. E) Suppliers are not dependent on the industry for a large portion of their revenues.
The fact that the good being sold is a commodity does not increase consumer bargaining power.
Consumers are people or groups who don't actively engage in commercial or entrepreneurial operations and who plan to order or use purchased goods, experiences, or services primarily for their own social, familial, domestic, or other needs. The most common user of the word is someone who purchases items for their own use. On March 15, 1962, President John F. Kennedy provided the US Congress with his definition of "consumers." We are all consumers by definition, he remarked. This presentation served as the impetus for the creation of World Consumer Rights Day, which is today observed on March 15. In his address, John Fitzgerald Kennedy underlined that helping citizens exercise their rights is one of the essential duties of the government.
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What is the basic concept of economic scarcity?
A fundamental idea in economics is scarcity. When a good or service is in higher demand than it is readily available, it is said to be in excess of its capacity.
Due of this, consumers, who ultimately drive the economy, may not have as many options as they would want. To comprehend how products and services are valued, one must understand scarcity. Because sellers of these goods and services can charge greater prices, things that are scarce, such as gold, diamonds, or specific types of knowledge, are more valued as a result. These vendors are aware that they can charge more to locate customers because there is a greater demand for their goods or services than there are accessible consumers.
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If the cost of housing increases by 10 percent, then, other things the same, the CPI is likely to increase by about a. 4.1 percent. b. 3.3 percent. c. 10 percent. d. 1.7 percent.
The CPI is forecast to rise by around 4.1 percent if the cost of housing rises by 10% while keeping all other factors constant.
How does CPI work?
The Consumer Price Index (CPI) is a gauge of how prices for a market basket of consumer goods and services have changed on average over time for urban consumers.
What takes place when the CPI is less than 1?
The Cost Performance Index is a statistic used to assess whether projects' tasks consume more or less of their allotted money. CPI readings above 1.00 indicate under-budgeting, while readings below 1.00 indicate over-budgeting.
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The amount of time spent by an employee in the factory is usually recorded on:
a. Time cards.
b. Job order cost sheets.
c. Employees' earnings records.
d. Clock cards.
Time cards are used to keep track of how much time an employee spends on each task. They are frequently employed so that the business can provide the right amount of compensation for the task for a specific time period.
A time card is a piece of cardboard with the hours worked by an employee for a certain work week written on it. The time an employee starts and ends working is often printed on the card when it is entered into a time clock. The payroll team uses it to determine how many hours an employee will be paid for. Employees record their own hours worked on a timesheet, and the timesheet typically contains extra information, such as the jobs on which a person worked, in contrast to a time card. In job shop operations, when employee hours are invoiced to particular client projects, timesheets are more frequently employed.
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Without resolving anything yourself choose the conclusion which logically follows from the given statement: Many business offices are located in buildings having two to eight floors. If a building has more than three floors, it has a lift.
[A]. All floors may be reached by lifts.
[B]. Only floors above the third floor have lifts.
[C]. Seventh floors have lifts. [D]. Second floors do not have lifts.
Option C is correct. If a building has more than three floors, seventh floors have lifts.
What is Reasoning - Statement and Conclusions?Basically, the statement and conclusion part involves logical reasoning. A statement will be presented in this part, followed by a number of conclusions. Select the conclusion that most naturally flows from the sentence. The reader must occasionally analyze the statement in order to get the indirect inference; other times, the conclusions can be comprehended just by reading the statement. All of the conclusions may follow occasionally, as well as any one of them. Additionally, it's possible that only one of them will follow or that none will. The ability of the reader to see and analyze the statements in order to draw the appropriate conclusions depends on them.
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What is an internment camp in America?
A facility used to house prisoners of war, foreign enemies, political captives, etc. a facility built by the government of the United States to hold Japanese Americans following the assaults on Pearl Harbor as a internment camp for civilians, particularly those who had connections to an enemy during a conflict.
Internment of Japanese Americans refers to the forcible displacement of thousands of Japanese Americans to detention camps by the American government during World War II. The federal government's lengthy history of racist and discriminatory treatment of Asian immigrants and their descendants, which started with restrictive immigration rules in the late 1800s, reached its apex with that action.
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What are the examples of scarcity?
There are three main types of scarcity: structural, supply-induced, and demand-induced. Demand-induced scarcity occurs when a resource's demand rises but its supply remains constant.
One of life's most fundamental truths—that we live in a world with finite resources that necessitates decisions about how they are distributed—is the basis for the economic notion of scarcity. In that sense, anything from a pack of gum to a book of matches is limited since it required the use of resources that could have been used elsewhere. Because of how essential scarcity is to economics, scarce products are sometimes referred to as economic goods. When it comes to economics, scarce products are those for which, even at a price of zero, demand would outweigh supply.
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A state law that conflicts with the U.S. Constitution will be deemed unconstitutional under the Supremacy Clause
True False
The Supremacy Clause declares unlawful state laws that contradict the US Constitution. True
The United States of America, also referred to as the US or America, is a nation that is largely located in the continent of America. There are 326 Indian Reservations, 5 Significant Unincorporated Territories, 9 Minor Outlying Islands, and 50 States in the union. It is the third-largest country on earth in terms of total area and land. Its marine borders are shared by a number of countries, including Russia, Cuba, and the Bahamas. It is the most populated nation in the Americas and the third most populous nation worldwide with a population of more than 333 million. Washington, D.C., is the country's capital city and financial hub.
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For the past several months the Jackson Shop, a mom and pop retail store, has suffered costly losses due to the theft of merchandise. Putting in a comprehensive surveillance system that covers all of the entrances and exits at all four of their locations is not feasible at this time. Nevertheless, they have decided to install several surveillance cameras in their flagship store. They notified their employees that the cameras were being installed and placed posters at the store entrances notifying their customers of the new security. Not surprisingly, thefts decreased dramatically within a month and continued to decline over the next six months. Without the cash to install cameras in all the stores, Adams installed fake cameras at the other three stores and let employees and customers at those locations know about the cameras. Thefts dropped at the other stores as well. The concept that most likely explains why the thefts decreased is known as:
Answer:
Perception of detection
Explanation:
Perception of detection is defined as the belief that exists within an organisation that if a person commits fraud he will be exposed by other employees in the organisation quickly.
This can be achieved by various steps including:
- removal of avenues for fraud by thinking like a fraudster
- segregation of duties
- perform surprise audits
- having a hotline to report fraud
The installation of cameras by Jackson shop and publicising of this action led to a consistent fall in fraud because the employees had a perception that if they tried to commit fraud they would be detected by the cameras
In 2011, Cambodia had a GDP of $33.8 billion and a per capita GDP of $2,200. Nearly a third of its people lived below the poverty level, and average life expectancy was 62.5 years. Which of these additional factors would most support the conclusion that Cambodia is a developing economy rather than an emerging economy? (4 points)
Answer: Lack of basic infrastructure
Explanation:
Developing countries refers to the countries that have a low GDP per capita. These countries also rely on agriculture as their main industry.
Another characteristics of developing countries is that they lack basic infrastructure, high rate of unemployment, and high population growth rate.
True or false: Data that simply collects the characteristics of different transactions has great value to an organization.
True. Data that simply collects the characteristics of different transactions, also known as transactional data, has great value to an organization.
This type of data can provide insights into customer behavior, sales trends, and operational efficiency, which can inform decision-making, strategy development, and performance management.
Additionally, this data can be used to identify patterns, detect anomalies, and make predictions which can be useful for fraud detection, inventory management, and customer segmentation.
Transactional data can also be used to track the performance of different products, services, or business units, and can help managers to identify areas of the business that may need improvement. By analyzing transactional data over time, organizations can also identify seasonal trends and make adjustments to their operations accordingly.
Additionally, transactional data can be integrated with other types of data, such as demographic data or social media data, to gain a more complete understanding of customer behavior and preferences. Overall, transactional data plays an important role in helping organizations to make data-driven decisions and to improve their overall performance.
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_____ has the important function of providing revenue to sustain a firm.
Thinking on how to get customers' attention is the first stage in marketing or advertising. Interest:
Which of the following must be true for an exchange to occur?A number of prerequisites must be satisfied for an exchange to occur: At least two parties are required. There must be something that each has that the other would find useful. Both can effectively communicate and provide what they have to offer.
What does the total revenue less the total expenses mean?Gross profit equals total income less costs directly associated with producing goods for sale, also known as cost of goods sold. Operating profit, which is derived from gross profit, is the income that is still left over after all business expenses have been taken into consideration.
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What is the difference between recognizable and decidable?
If a machine accepts strings that are in the language and rejects strings that are not in the language, the language is said to be decideable. A language is said to be Turing Recognizable if a Turing Machine can understand it.
What distinguishes identifiable from decidable in TM? When a machine will accept strings written in a language and reject strings written in another language, that language is said to be decideable.Turing is a language.Identifyable if a Turing machine can identify it.Understandable LanguageIf L = L, then language L is recognized by Turing machine M. (M).If TM M exists such that L = L, then L is considered Turing-recognizable (or just recognizable) (M).Decision-Making Language.In the case when L = L(M) and M halts on all inputs, a Turing machine M determines the language L.A language that can be recognized by a Turing machine that halts for all inputs, or one for which membership can be determined by an algorithm that halts on all inputs in a finite number of steps.Also known as entirely decidable language and recursive language.To learn more about decidable in TM refer
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Need answer ASAP
20- This provides a blueprint for translating a business strategy into a plan for IS.
Group of answer choices
SOA
IS infrastructure
Centralized architecture
ERP systems
IS architecture
IS Infrastructure provides a blueprint for translating a business strategy into a plan for IS.
Hence, Option B is correct
What do you mean by IS Infrastructure?
Public and private physical constructions including roads, trains, bridges, tunnels, water supplies, sewage systems, electrical grids, and telephones are all considered to be part of infrastructure (including Internet connectivity and broadband access).Information technology infrastructure is widely described as a collection of information technology (IT) components that constitute the basis of an IT service; these components are typically physical (such as computer and networking hardware and facilities), but they can also include other software and network components.Infrastructure is the framework or foundation that supports a system or organization. In computing, information technology infrastructure is made up of physical and virtual resources that facilitate data transmission, storage, processing, and analysis.To know more about Infrastructure here
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Jayden’s client tells him, “I open up my closet in the morning, and there are too many choices. I’m getting rid of all the wild colors and patterns. I want to limit my wardrobe to three colors and just have a few basic, high-quality pieces that all match each other.” What trend does this client want to follow?
A.
maximalism
B.
barrier-free design
C.
sustainable fashion
D.
minimalism
Suppose that an economy experienced a natural disaster that declined its nominal GDP by 5%. Meanwhile, inflation was 5%. What is the real GDP growth rate for this period
Let's say a natural calamity caused a 5% reduction in a country's nominal GDP. In the interim, inflation was 5%. For this time period, the real GDP growth rate was -10%.
How do you calculate the nominal GDP growth rate?By multiplying the quantity output for the current year by the market price, nominal GDP is calculated. The nominal GDP in the preceding example is $1000 in Year 1 (100 x $10), and it is $2250 in Year 5 (150 x $15).
How do you determine the pace of economic growth?The difference between the most recent year's real GDP and the year before can be used to compute real GDP. Next, multiply this difference by the real GDP of the previous year.
Quantity Change = Nominal Change + Price Change = %. Real GDP growth rate (% change in quantity) hence equals nominal GDP growth rate (% change in quantity) = -5% -5% =-10%.
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George works for an automobile assembly plant. He was laid off six months ago when the economy weakened. He expects to return to work with the same company in a few months when economic conditions improve. What type of unemployment is George facing
The loss of work as a result of technical development is known as technological unemployment. This important category is structural unemployment.
Unemployment that occurs in cycles is one that results from insufficient overall expenditure (or by insufficient aggregate demand). The business cycle's recessionary period is what's to blame for the unemployment. Cyclical unemployment is a shortage of employment brought on by fluctuations in the business cycle of an economy. Only two instances of how changes in the economy might directly result in structural unemployment are a sector slump and a technological advancement. Disguise unemployment is defined as unemployment that has no effect on overall economic activity. It occurs when production is low and there are too many workers filling too few posts. Any segment of the population that is underutilised might be considered.
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Jewelry is a small but rapidly growing Internet retailer. A popular product is its standard 14k white gold diamond anniversary ring (1/4 carat total weight) that retails for $250. Prices are stable, so P = MR = $250 in this market. Total cost relations for this product are: TC = 3,250,000 + 70Q + 0.002Q2 Calculate the output level that will maximize profit.
The output level of 42,500 units will maximize the profit.
To calculate the output level that will maximize profit, we can use the profit maximization equation:
π = TR - TC
Where:
π = profit
TR = total revenue
TC = total cost
To find the profit-maximizing output level, we need to first find the relationship between output level (Q) and total revenue (TR). In this case, we know that the price (P) is stable at $250, so we can find total revenue by multiplying the price by the quantity:
TR = P * Q
TR = $250 * Q
Next, we need to use the total cost equation provided:
TC = 3,250,000 + 70Q + 0.002Q2
To find the profit at different output levels, we can substitute the TR and TC equations into the profit equation:
π = TR - TC
π = ($250 * Q) - (3,250,000 + 70Q + 0.002Q2)
To find the output level that maximizes profit, we will find the derivative of the profit equation and set it equal to zero.
dπ/dQ = 250 - 70 - 0.004Q = 0
Solving for Q:
0.004Q = 170
Q = 42,500
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Is 1000 a possible credit score?
It is impossible to have a credit score of 1,000 because credit scoring models do not support it.
Why does this occur?
Experian claims that some credit scoring models can reach as high as 900 or 950, but those are institution-specific ratings that are exclusively utilized in that business.For a $1,000 personal loan, you most likely need a credit score of at least 580. Most lenders who offer personal loans of $1,000 or more must accept applicants with terrible credit or better and sufficient income to cover the monthly payments in order to approve the loan.In general, you need a credit score of at least 620 to qualify for a loan to purchase a house. For a traditional loan, the majority of lenders have that minimum credit score threshold. That being said, it's stillTo know more about credit score here
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David makes 7.5% commission on total sales. How much will he make if he sells $892 worth of merchandise?
Multiplying the sales income by the sales commission rate will get the payable commission. A $10,000 product deal with a 10% commission would provide a $1,000 commission.
How do you add commission into the total sales calculation?This percentage-based calculation is quite simple. Simply multiply the sale price by the commission rate, then divide the result by 100.
What are commission and how does it work?According to the commission rate, a commission is a proportion of all sales. Total sales x commission rate equals commission. To calculate the commission on a sale, multiply the commission rate by the total number of sales.
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What are the 5 types of risk factors?
Risk factors can be categorised into 5 types. Those are:
Behavioural, Physiological, Demographic, Environmental, Genetic.
What do you mean by Risk Factors?
Since correlation does not imply causation, risk factors, it is incorrect to say that being young causes measles; yet, measles rates are higher in young people because they are less likely to have built up an immunity during a prior epidemic. In studies examining the relationship between smoking and lung cancer, for instance, statistical techniques are routinely employed to evaluate the strength of a correlation and to present causal evidence. The biological sciences and statistical analysis can prove that risk factors are causal.
So, The required risk factors are Behavioural, Physiological, Demographic, Environmental, Genetic.
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The shoe industry in the current American economy, where many different types and brands are offered, is an example of
A competitive market is demonstrated by the shoe industry inside the current American economy, where a wide variety of types and brands are available.
What is economy?Economy refers to the efficient use of resources and is the production, distribution, and consumption of goods and services in an area or country. It affects how people use and share resources to meet their needs. It is a complex system of interrelated parts, including households, businesses, and governments. It is often divided into categories such as macroeconomics and microeconomics. Macroeconomics deals with the economy as a whole while microeconomics looks at the behavior of individual firms, households, and governments. The economic performance of a country is determined by its economic policies and the level of economic development. Economic growth is the increase in the production of goods and services over time.
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If deposit insurance is most important to you when selecting a financial institution, you are most concerned with
a. safety
b. convenience
c. services
If choosing a financial institution is primarily based on deposit insurance, then safety is your top priority.
Explain about the deposit insurance?One of the main advantages of holding an account at an FDIC-insured bank is deposit insurance, which is how the FDIC safeguards your money in the unlikely case of a bank failure. For each covered bank, the usual insurance amount is $250,000 per depositor, regardless of the form of account ownership.
Each insured bank's regular deposit insurance policy covers $250,000 for each depositor under each category of account ownership. Deposits held by an individual in one insured bank are insured by the FDIC separately from deposits held by that same individual in any other separately chartered insured bank.
In the event that an FDIC-insured bank or savings organization fails, the Federal Deposit Insurance Corporation, an independent arm of the US government, guards bank depositors against losing their insured cash.
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Which of the following will most likely be considered an indirect material cost for a bakery? O A. flour B. spices C. milk O D. eggs
Option B: Spices is likely to be considered an indirect material cost for a bakery.
Even though they are used in the entire manufacturing process, indirect materials are products that are not included in the finished product. It is a cost that is accounted for in the manufacturing process' overhead costs and consists of the costs of shop supplies, perishable tools, and equipment. Here, the term "material" refers to anything which is consumed secondarily or indirectly. In more detail, shop supplies cost includes lubricating oil while subsidiary material cost includes the cost of fuel, oil, paint, medication, and packaging medium, both of which are indirectly or supplemental used. Additionally, consumption expenses for tools, gadgets, and equipment having a useful life of one year or less are referred to as perishable tools and equipment costs.
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What is the most cost effective type of life insurance?
Term life insurance is the most cost-effective type of life insurance.
Term life insurance is a form of life insurance that provides coverage for a specific period of time, such as 10, 20, or 30 years. This type of policy is often more affordable than permanent life insurance because it does not accrue cash value or offer other benefits such as living benefits.
Additionally, premiums for term life insurance are usually fixed for the duration of the policy, so you know exactly what you will be paying each month. Term life insurance is an ideal option for many people, as it provides coverage for a set period at a lower cost.
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Part Two Consider the following three scenarios. Respond to the reflection questions related to each scenario with your suggestions for government action in complete sentences. Scenario 1: The government is currently spending three billion, one hundred million on programs and brings in three billion, five hundred million through taxation. 4. Does this create a budget surplus or deficit? Explain. 5. As a member of Congress, what changes would you suggest to fiscal policy to bal- ance the budget? Explain at least two ways you would use the tools of fiscal policy to balance the budget by recommending an "increase" or "decrease" to each tool in your explanation. 6. What are the benefits and opportunity costs of the changes you propose? Consider the impact on economic growth, price stability, and unemployment.
4) Since the government's receipts ($3.5 billion) exceed its spending, the budget will be in surplus (3.1 bn). If your spending are more than your income, you have a budget deficit.
5) To begin with, you have a budget surplus. As a result, in order to balance the budget, the government must pursue an expansionary fiscal policy (EFP). Fiscal policy's two main instruments are taxes and spending. By implementing EFP, the government can raise spending and cut taxes to balance the budget surplus and boost the economy.
6) Benefits include the creation of more jobs and a significant boost to economic growth as a result of government spending increases that increase aggregate demand. Inflation is one of the opportunity costs since higher expenditure levels tend to be more inflationary.
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