Q. It seems these days every time I have interactions with a company the error rate is extremely high.
Like insurance companies and banks.
My girlfrieind has called three times to her insurance company telling them they need to pay the mamogram because she is not a male wich was the reason for refusal to pay. They paid the PAP smear!
Each time they tell her it has been fixed. 6 months now.
This just seems to be the norm any more an error or issue takes multiple phone calls. to fix.
Some of this is due to the outsourcing to India of the call service.They seem to have a culture of nodding and doing nothing or deferring.
But it is growing ever worse.
What is causing this? .
Is it the MBA's that outnumber the workers outsourceing to inaffectual groups just ringing cash registers and telling the corporate boards how good they are doing?
Like insurance companies and banks.
My girlfrieind has called three times to her insurance company telling them they need to pay the mamogram because she is not a male wich was the reason for refusal to pay. They paid the PAP smear!
Each time they tell her it has been fixed. 6 months now.
This just seems to be the norm any more an error or issue takes multiple phone calls. to fix.
Some of this is due to the outsourcing to India of the call service.They seem to have a culture of nodding and doing nothing or deferring.
But it is growing ever worse.
What is causing this? .
Is it the MBA's that outnumber the workers outsourceing to inaffectual groups just ringing cash registers and telling the corporate boards how good they are doing?
A. Most of these companies are top-heavy when it comes to compensation. The bosses make lots of money, leaving little payroll with which to recruit good entry and mid-level
employees--hence, incompetent idiots abound.
employees--hence, incompetent idiots abound.
Why are insurance companies excited about national health care?
Q. National health care shouldn't involve a profitable insurance companies... So what value will they add? Regulation ? Please. the government things that's what it does best. So what's the real answer ?
A. Right now what's on the table is going to make insurance companies FABULOUSLY more wealthy than thieves already are.
Why?
Because there is NO reform in either Hilary or Obama's plans.
FACTS about insurance and its costs in the States:
When 75% of the people who declare bankruptcy over medical bills ARE INSURED, then insurance is CLEARLY not the answer.
"Aldrich�s situation is "asinine" but increasingly common, said Dr. Deborah Thorne of Ohio University. Thorne, co-author of a widely quoted 2005 study that found medical bills contributed to nearly half of the 1.5 million personal bankruptcies filed in the U.S. each year, said that ratio has likely worsened since the data was gathered.
...
Like Aldrich, Thorne said, three-quarters of the individuals in the study who declared bankruptcy because of health problems were insured. "
http://www.msnbc.msn.com/id/20201807/
Linda Peeno, MD testified that SHE had often denied treatment JUST to save the insurance company money http://www.thenationalcoalition.org/DrPeenotestimony.html
Furthermore:
"the vast majority of health insurance policies are through for-profit stock companies. They are in the process of �shedding lives� as some term it when �undesirable� customers are lost through various means, including raising premiums and co-pays and decreasing benefits (Britt, �Health insurers getting bigger cut of medical dollars,� 15 October 2004, investors.com). That same Investors Business Daily article from 2004 noted the example of Anthem, another insurance company. They said the top five executives (not just the CEO) received an average of an 817 percent increase in compensation between 2000 and 2003. The CEO, for example, had his compensation go from $2.5 million to $25 million during that time period. About $21 million of that was in stock payouts, the article noted.
A 2006 article, �U.S. Health Insurance: More Market Domination, More CEO Compensation�
(hcrenewal.blogspot.com) notes that in 56 percent of 294 metropolitan areas one insurer �controls more than half the business in health maintenance organization and preferred provider networks underwriting." In addition to having the most enrollees, they also are the biggest purchasers of health care and set the price and coverage terms. ��The results is double-digit premium increases from 2001 and 2004�peaking with a 13.9 percent jump in 2003�soaring well above inflation and wages increases.�" Where is all that money going? The article quotes a Wall Street Journal article looking at the compensation of the CEO of UnitedHealth Group. His salary and bonus is $8 million annually. He has benefits such as the use of a private jet. He has stock-option fortunes worth $1.6 billion."
--Save America, Save the World by Cassandra Nathan pp. 127-128
"Insurance Companies Robbing Patients
Robbing patients to pay CEOs leads to unprecedented medical insurance corporation greed.
Thursday, January 3, 2008 8:52 AM
By: Michael Arnold Glueck & Robert J. Cihak, The Medicine Men"
http://www.newsmax.com/medicine_men/medical_insurance/2008/01/03/61543.html
So you can see:
insurance as it is run now does NOT prevent bankruptcy from medical bills
contract law is ROUTINELY violated to save money
antitrust is more often violated than not (markets CONTROLLED by one insurer)
Perhaps that's why Hillarycare, which EXISTS, in Taxachusetts courtesy of Romney is already an economic disaster:
"Massachusetts announced that spending on its health care plan would increase by $400 million in 2008, a cost expected to be borne largely by taxpayers."
http://www.heraldtribune.com/article/20080129/ZNYT02/801290745
Last modified: January 29. 2008 5:03AM
That comes from an article on why leftist CA could not get UHC off the ground.
To be blunt, insurance would LOVE this plan because it would vastly increase their profits and control. Oh, and Medicare, which the ignornat tout, is worse off than the public is told:
In the US, Medicare is going bankrupt. In 1998, Medicare premiums were $43.80 and in 2008 will be $96.40--up 120%. "Medigap" insurance is common because of the 20% co-pay required for service. Medicare HMOs are common because they reduce that burden without an extra charge in many cases. HOWEVER, many procedures which used to have no or a low co-pay NOW cost the full 20% for the HMO Medicare patient. ALSO the prescription coverage they tended to offer has been REDUCED in many cases to conform to the insane "donut hole" coverage of the feds. Doctors are leaving Medicare because of the low and slow pay AND because the crazy government wants to "balance" their Ponzi scheme on the backs of doctors.
"That dark cloud lurking over the shoulder of every Massachusetts physician is Medicare. If Congress does not act, doctors' payments from Medicare will be cut by about 5 percent annually, beginning next year through 2012, creating a financial hailstorm that would wreak havoc with already strained practices.
Cumulatively, the proposed cuts represent a 31 percent reduction in Medicare reimbursement. If the cuts are adjusted for practice-cost inflation, the American Medical Association says Medicare payment rates to physicians in 2013 would be less than half of what they were in 1991."
http://www.massmed.org/AM/Template.cfm?Section=vs_mar05_top&TEMPLATE=/CM/ContentDisplay.cfm&CONTENTID=11037
Also, starting this January, folks ON Medicare or an HMO version or such will find that though they were promised IN WRITING a physical that would be covered, THEY may eat the bill themselves. The media is FAILING TO REPORT THIS FACT. Probably can't figure out how to spin it.
UHC does not work. Canadian doc:
http://www.city-journal.org/html/17_3_canadian_healthcare.html
The ONLY plan I've seen that deals with FACTS, uses logic, understands the Constitution, fits economic facts, and deals with the big picture is this one:
http://www.booklocker.com/books/3068.html
Read the PDF, not the blurb, for the bulk of the plan. Book is searchable on Amazon.com
Cassandra Nathan's Save America, Save the World
No insurers would like it because there is no built in graft and it makes EVERYONE a competitor for the patient's business--none of this "preferred provider" nonsense or such they get filthy rich off of AND they'd have to pay claims that are legit--no weaseling out as they routinely do now. NO caps on legit procedures. No hundreds of millions a year for a select few either.
Why?
Because there is NO reform in either Hilary or Obama's plans.
FACTS about insurance and its costs in the States:
When 75% of the people who declare bankruptcy over medical bills ARE INSURED, then insurance is CLEARLY not the answer.
"Aldrich�s situation is "asinine" but increasingly common, said Dr. Deborah Thorne of Ohio University. Thorne, co-author of a widely quoted 2005 study that found medical bills contributed to nearly half of the 1.5 million personal bankruptcies filed in the U.S. each year, said that ratio has likely worsened since the data was gathered.
...
Like Aldrich, Thorne said, three-quarters of the individuals in the study who declared bankruptcy because of health problems were insured. "
http://www.msnbc.msn.com/id/20201807/
Linda Peeno, MD testified that SHE had often denied treatment JUST to save the insurance company money http://www.thenationalcoalition.org/DrPeenotestimony.html
Furthermore:
"the vast majority of health insurance policies are through for-profit stock companies. They are in the process of �shedding lives� as some term it when �undesirable� customers are lost through various means, including raising premiums and co-pays and decreasing benefits (Britt, �Health insurers getting bigger cut of medical dollars,� 15 October 2004, investors.com). That same Investors Business Daily article from 2004 noted the example of Anthem, another insurance company. They said the top five executives (not just the CEO) received an average of an 817 percent increase in compensation between 2000 and 2003. The CEO, for example, had his compensation go from $2.5 million to $25 million during that time period. About $21 million of that was in stock payouts, the article noted.
A 2006 article, �U.S. Health Insurance: More Market Domination, More CEO Compensation�
(hcrenewal.blogspot.com) notes that in 56 percent of 294 metropolitan areas one insurer �controls more than half the business in health maintenance organization and preferred provider networks underwriting." In addition to having the most enrollees, they also are the biggest purchasers of health care and set the price and coverage terms. ��The results is double-digit premium increases from 2001 and 2004�peaking with a 13.9 percent jump in 2003�soaring well above inflation and wages increases.�" Where is all that money going? The article quotes a Wall Street Journal article looking at the compensation of the CEO of UnitedHealth Group. His salary and bonus is $8 million annually. He has benefits such as the use of a private jet. He has stock-option fortunes worth $1.6 billion."
--Save America, Save the World by Cassandra Nathan pp. 127-128
"Insurance Companies Robbing Patients
Robbing patients to pay CEOs leads to unprecedented medical insurance corporation greed.
Thursday, January 3, 2008 8:52 AM
By: Michael Arnold Glueck & Robert J. Cihak, The Medicine Men"
http://www.newsmax.com/medicine_men/medical_insurance/2008/01/03/61543.html
So you can see:
insurance as it is run now does NOT prevent bankruptcy from medical bills
contract law is ROUTINELY violated to save money
antitrust is more often violated than not (markets CONTROLLED by one insurer)
Perhaps that's why Hillarycare, which EXISTS, in Taxachusetts courtesy of Romney is already an economic disaster:
"Massachusetts announced that spending on its health care plan would increase by $400 million in 2008, a cost expected to be borne largely by taxpayers."
http://www.heraldtribune.com/article/20080129/ZNYT02/801290745
Last modified: January 29. 2008 5:03AM
That comes from an article on why leftist CA could not get UHC off the ground.
To be blunt, insurance would LOVE this plan because it would vastly increase their profits and control. Oh, and Medicare, which the ignornat tout, is worse off than the public is told:
In the US, Medicare is going bankrupt. In 1998, Medicare premiums were $43.80 and in 2008 will be $96.40--up 120%. "Medigap" insurance is common because of the 20% co-pay required for service. Medicare HMOs are common because they reduce that burden without an extra charge in many cases. HOWEVER, many procedures which used to have no or a low co-pay NOW cost the full 20% for the HMO Medicare patient. ALSO the prescription coverage they tended to offer has been REDUCED in many cases to conform to the insane "donut hole" coverage of the feds. Doctors are leaving Medicare because of the low and slow pay AND because the crazy government wants to "balance" their Ponzi scheme on the backs of doctors.
"That dark cloud lurking over the shoulder of every Massachusetts physician is Medicare. If Congress does not act, doctors' payments from Medicare will be cut by about 5 percent annually, beginning next year through 2012, creating a financial hailstorm that would wreak havoc with already strained practices.
Cumulatively, the proposed cuts represent a 31 percent reduction in Medicare reimbursement. If the cuts are adjusted for practice-cost inflation, the American Medical Association says Medicare payment rates to physicians in 2013 would be less than half of what they were in 1991."
http://www.massmed.org/AM/Template.cfm?Section=vs_mar05_top&TEMPLATE=/CM/ContentDisplay.cfm&CONTENTID=11037
Also, starting this January, folks ON Medicare or an HMO version or such will find that though they were promised IN WRITING a physical that would be covered, THEY may eat the bill themselves. The media is FAILING TO REPORT THIS FACT. Probably can't figure out how to spin it.
UHC does not work. Canadian doc:
http://www.city-journal.org/html/17_3_canadian_healthcare.html
The ONLY plan I've seen that deals with FACTS, uses logic, understands the Constitution, fits economic facts, and deals with the big picture is this one:
http://www.booklocker.com/books/3068.html
Read the PDF, not the blurb, for the bulk of the plan. Book is searchable on Amazon.com
Cassandra Nathan's Save America, Save the World
No insurers would like it because there is no built in graft and it makes EVERYONE a competitor for the patient's business--none of this "preferred provider" nonsense or such they get filthy rich off of AND they'd have to pay claims that are legit--no weaseling out as they routinely do now. NO caps on legit procedures. No hundreds of millions a year for a select few either.
I need extreme car-shopping tips. What things do I look at when looking for a new vehicle?
Q. I just want to know the exact tips in what to look for when car shopping
I want all the tips, not just the top three or top five things to look at.
If you have advice on anything about a car that's important to see before buying, I would highly appreciate the information.
Thanks alot.
I want all the tips, not just the top three or top five things to look at.
If you have advice on anything about a car that's important to see before buying, I would highly appreciate the information.
Thanks alot.
A. First, go to dealers that have cars you are interested in and pick up literature. Then go home and read it. Compare models - even write out what they have on a spreadsheet. Then look them up online and get reviews, specs, etc - Edmunds.com is a good place to start. Now go back and test drive it - really test drive it. Take it on the highway, do doughnuts in a parking lot, go somewhere you can accelerate to a high speed and hit the brakes - do it all. Take the test drive past a friend's house or your parents - have someone else look at it too. Get a list together of all the features you want, and do pricing on the internet. Decide exactly what you want. Check with your bank for financing, credit union, AAA if you belong, some insurance companies have buying services that you can use. Check with your insurance company as to what it will cost to insure - two models that are very similar in look may be radically different to insure because of thefts, etc. Don't go back to the dealership until you are sure and have done all your homework. Now check with dealerships about their hours for service, do they have shuttle service to public transportation, free loaner, etc. Because the greatest service in the world isn't enough - they have to be convenient to you as well. You can always take your car to a dealership other than where you bought it, but sometimes the dealership you bought from will offer perks that others won't. The dealership I bought mine from pays for inspections every year, details the car once a year, gives free loaners, washes the car when they service it, etc. Check in detail what the warranty covers, and also check what type of gas you need to use - premium costs more, remember. Some warranties are no good if you use other gasoline. If a dealership won't work with you through the process, find another one. Don't buy anything right away. Don't automatically use dealership financing. And think hard about color - many people make the car about the color, but when you are in the car and driving, you don't see much of the outside, so don't just buy one certain car because you like the color and another, better car doesn't come in that color. Remember that gas mileage will be lower than what's posted, so don't take that number as correct. Remember that a 6 cylinder engine doesn't have to work as hard as a 4, so if you can afford a 6 and the gas mileage that goes with it, consider it. Don't buy the lowest model unless you have to - its nice to have a few luxuries in the car. But pick the ones that are important to you - I don't care about a sunroof, but I do care about heated seats. Gee - I think I'm running out of suggestions...
If everyone in the USA dropped their health insurance, would our economy collapse?
Q. I've often wondered if health care would become easily affordable if insurance companies didn't have any influence over how much a service or a pill cost. But insurance companies use the money we give them for major investments in many goods and services. I see the total abolishment of health insurance as being similar to the abolishment of slavery back when our founding fathers were starting our country. It just wasn't economically feasable at that time, they said. Would our economy collapse if health insurance was abolished and doctors, hospitals and drug companies had to compete for business by lowering prices?
A. Interesting question, but the problem is this:
the government unconstitutionally inserted itself into health care years ago.
Even if all of the folks with PRIVATE insurance dropped it in protest, Medicare, Medicaid, SCHIP, and a host of other programs would go on, draining our wallets.
You are, however, on to a couple of important things:
One, health insurance DOES drive up costs. Because the media is for UHC they don't report the facts: the uninsured subsidize the insured in the US. By focusing on illegals who get FREE care, people pretend ALL uninsured get free care. This is completely false.
Second, the current system IS unsustainable because it's rigged--the hospitals do NOT charge appropriately, health insurers ROUTINELY deny legit claims in violation of contract law, and antitrust laws are routinely violated with impunity.
When 75% of the people who declare bankruptcy over medical bills ARE INSURED, then insurance is CLEARLY not the answer.
"Aldrich�s situation is "asinine" but increasingly common, said Dr. Deborah Thorne of Ohio University. Thorne, co-author of a widely quoted 2005 study that found medical bills contributed to nearly half of the 1.5 million personal bankruptcies filed in the U.S. each year, said that ratio has likely worsened since the data was gathered.
...
Like Aldrich, Thorne said, three-quarters of the individuals in the study who declared bankruptcy because of health problems were insured. "
http://www.msnbc.msn.com/id/20201807/
Linda Peeno, MD testified that SHE had often denied treatment JUST to save the insurance company money http://www.thenationalcoalition.org/DrPeenotestimony.html
Furthermore:
"the vast majority of health insurance policies are through for-profit stock companies. They are in the process of �shedding lives� as some term it when �undesirable� customers are lost through various means, including raising premiums and co-pays and decreasing benefits (Britt, �Health insurers getting bigger cut of medical dollars,� 15 October 2004, investors.com). That same Investors Business Daily article from 2004 noted the example of Anthem, another insurance company. They said the top five executives (not just the CEO) received an average of an 817 percent increase in compensation between 2000 and 2003. The CEO, for example, had his compensation go from $2.5 million to $25 million during that time period. About $21 million of that was in stock payouts, the article noted.
A 2006 article, �U.S. Health Insurance: More Market Domination, More CEO Compensation�
(hcrenewal.blogspot.com) notes that in 56 percent of 294 metropolitan areas one insurer �controls more than half the business in health maintenance organization and preferred provider networks underwriting." In addition to having the most enrollees, they also are the biggest purchasers of health care and set the price and coverage terms. ��The results is double-digit premium increases from 2001 and 2004�peaking with a 13.9 percent jump in 2003�soaring well above inflation and wages increases.�" Where is all that money going? The article quotes a Wall Street Journal article looking at the compensation of the CEO of UnitedHealth Group. His salary and bonus is $8 million annually. He has benefits such as the use of a private jet. He has stock-option fortunes worth $1.6 billion."
--Save America, Save the World by Cassandra Nathan pp. 127-128
"Insurance Companies Robbing Patients
Robbing patients to pay CEOs leads to unprecedented medical insurance corporation greed.
Thursday, January 3, 2008 8:52 AM
By: Michael Arnold Glueck & Robert J. Cihak, The Medicine Men"
http://www.newsmax.com/medicine_men/medical_insurance/2008/01/03/61543.html
Space limits don't let me show the info, but check out these for eye-openers:
http://www.businessweek.com/bwdaily/dnflash/content/nov2007/db20071120_397008.htm
http://www.consumeraffairs.com/news04/2006/10/loudon_hospital.html
http://www.consumeraffairs.com/news04/hca_suit.html
http://www.consumeraffairs.com/news03/yale.html
http://www.nytimes.com/2006/06/19/washington/19tax.html
http://www.consumeraffairs.com/news04/2006/09/npo_hospitals.html
Virtually everything people think they know about health care in the US is incorrect--the media and pols LIE routinely. The actual problems are ignored. Someone who did her homework did come up with corrections and a way to revise the unconstitutional health care the feds offer (she wants to transition to CORRECTED private sector at least the state level where it doesn't violate Amendments IX and X):
QUALITY, ACCESSIBLE, AFFORDABLE health care for all.
That means preventative care (physical with follow up). Real medication (no Medicare "donut holes" the really ill are ripped off again.) No bogus ridiculously low "caps" on needed medical procedures. No abuse of the ER. No paying for the silly with the sniffles to go to the doc for free. No more bankruptcies over medical bills. I want THIS plan that ends abuse of the taxpayer, takes the burden off employers, provides price transparency, and ends the rip-off of the US taxpayer at the hands of greedy insurance CEOs (which has been repeatedly documented).
http://www.booklocker.com/books/3068.html
Read the PDF, not the blurb, for the bulk of the plan. Book is searchable on Amazon.com
Cassandra Nathan's Save America, Save the World
the government unconstitutionally inserted itself into health care years ago.
Even if all of the folks with PRIVATE insurance dropped it in protest, Medicare, Medicaid, SCHIP, and a host of other programs would go on, draining our wallets.
You are, however, on to a couple of important things:
One, health insurance DOES drive up costs. Because the media is for UHC they don't report the facts: the uninsured subsidize the insured in the US. By focusing on illegals who get FREE care, people pretend ALL uninsured get free care. This is completely false.
Second, the current system IS unsustainable because it's rigged--the hospitals do NOT charge appropriately, health insurers ROUTINELY deny legit claims in violation of contract law, and antitrust laws are routinely violated with impunity.
When 75% of the people who declare bankruptcy over medical bills ARE INSURED, then insurance is CLEARLY not the answer.
"Aldrich�s situation is "asinine" but increasingly common, said Dr. Deborah Thorne of Ohio University. Thorne, co-author of a widely quoted 2005 study that found medical bills contributed to nearly half of the 1.5 million personal bankruptcies filed in the U.S. each year, said that ratio has likely worsened since the data was gathered.
...
Like Aldrich, Thorne said, three-quarters of the individuals in the study who declared bankruptcy because of health problems were insured. "
http://www.msnbc.msn.com/id/20201807/
Linda Peeno, MD testified that SHE had often denied treatment JUST to save the insurance company money http://www.thenationalcoalition.org/DrPeenotestimony.html
Furthermore:
"the vast majority of health insurance policies are through for-profit stock companies. They are in the process of �shedding lives� as some term it when �undesirable� customers are lost through various means, including raising premiums and co-pays and decreasing benefits (Britt, �Health insurers getting bigger cut of medical dollars,� 15 October 2004, investors.com). That same Investors Business Daily article from 2004 noted the example of Anthem, another insurance company. They said the top five executives (not just the CEO) received an average of an 817 percent increase in compensation between 2000 and 2003. The CEO, for example, had his compensation go from $2.5 million to $25 million during that time period. About $21 million of that was in stock payouts, the article noted.
A 2006 article, �U.S. Health Insurance: More Market Domination, More CEO Compensation�
(hcrenewal.blogspot.com) notes that in 56 percent of 294 metropolitan areas one insurer �controls more than half the business in health maintenance organization and preferred provider networks underwriting." In addition to having the most enrollees, they also are the biggest purchasers of health care and set the price and coverage terms. ��The results is double-digit premium increases from 2001 and 2004�peaking with a 13.9 percent jump in 2003�soaring well above inflation and wages increases.�" Where is all that money going? The article quotes a Wall Street Journal article looking at the compensation of the CEO of UnitedHealth Group. His salary and bonus is $8 million annually. He has benefits such as the use of a private jet. He has stock-option fortunes worth $1.6 billion."
--Save America, Save the World by Cassandra Nathan pp. 127-128
"Insurance Companies Robbing Patients
Robbing patients to pay CEOs leads to unprecedented medical insurance corporation greed.
Thursday, January 3, 2008 8:52 AM
By: Michael Arnold Glueck & Robert J. Cihak, The Medicine Men"
http://www.newsmax.com/medicine_men/medical_insurance/2008/01/03/61543.html
Space limits don't let me show the info, but check out these for eye-openers:
http://www.businessweek.com/bwdaily/dnflash/content/nov2007/db20071120_397008.htm
http://www.consumeraffairs.com/news04/2006/10/loudon_hospital.html
http://www.consumeraffairs.com/news04/hca_suit.html
http://www.consumeraffairs.com/news03/yale.html
http://www.nytimes.com/2006/06/19/washington/19tax.html
http://www.consumeraffairs.com/news04/2006/09/npo_hospitals.html
Virtually everything people think they know about health care in the US is incorrect--the media and pols LIE routinely. The actual problems are ignored. Someone who did her homework did come up with corrections and a way to revise the unconstitutional health care the feds offer (she wants to transition to CORRECTED private sector at least the state level where it doesn't violate Amendments IX and X):
QUALITY, ACCESSIBLE, AFFORDABLE health care for all.
That means preventative care (physical with follow up). Real medication (no Medicare "donut holes" the really ill are ripped off again.) No bogus ridiculously low "caps" on needed medical procedures. No abuse of the ER. No paying for the silly with the sniffles to go to the doc for free. No more bankruptcies over medical bills. I want THIS plan that ends abuse of the taxpayer, takes the burden off employers, provides price transparency, and ends the rip-off of the US taxpayer at the hands of greedy insurance CEOs (which has been repeatedly documented).
http://www.booklocker.com/books/3068.html
Read the PDF, not the blurb, for the bulk of the plan. Book is searchable on Amazon.com
Cassandra Nathan's Save America, Save the World
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