sábado, 30 de abril de 2022

Fidelity's Bitcoin 401(k) Offering Risks Retirement Security of Americans, Says Labor Department Official – Finance Bitcoin News

The U.S. Labor Department has “grave concerns” about Fidelity Investments allowing investors to put bitcoin into their 401(k) accounts for retirement savings. An official of the Labor Department said it risks the retirement security of Americans, stressing that “cryptocurrencies can present serious risks to retirement savings.”

The U.S. Labor Department is deeply concerned about Fidelity Investments’ new offering to allow investors to put up to 20% of their 401(k) savings and contributions into bitcoin (BTC). A 401(k) is a popular workplace savings plan in the U.S that has tax advantages as an incentive to invest for retirement.

Ali Khawar, Acting Assistant Secretary of the Labor Department’s Employee Benefits Security Administration, said in an interview with The Wall Street Journal Friday:

We have grave concerns with what Fidelity has done.

Khawar explained that Labor Department believes that Fidelity allowing savers to put bitcoin into their 401(k) accounts risks the retirement security of Americans.

The official said that he views cryptocurrency as speculative. There is “a lot of hype around ‘You have to get in now because you will be left behind otherwise,'” he opined.

Khawar wrote a blog post on the Department of Labor’s website in March raising concerns about retirement plans investing in cryptocurrencies. He detailed:

The U.S. Department of Labor has serious concerns about plans’ decisions to expose participants to direct investments in cryptocurrencies or related products, such as NFTs, coins, and crypto assets.

He explained that “cryptocurrencies can present serious risks to retirement savings,” citing valuation challenges, price volatility, and the evolving regulatory landscape.

Do you think the U.S. Department of Labor should be worried about Fidelity allowing investors to put bitcoin into their 401(k) accounts? Let us know in the comments section below.

A student of Austrian Economics, Kevin found Bitcoin in 2011 and has been an evangelist ever since. His interests lie in Bitcoin security, open-source systems, network effects and the intersection between economics and cryptography.

Image Credits: Shutterstock, Pixabay, Wiki Commons

Disclaimer: This article is for informational purposes only. It is not a direct offer or solicitation of an offer to buy or sell, or a recommendation or endorsement of any products, services, or companies. Bitcoin.com does not provide investment, tax, legal, or accounting advice. Neither the company nor the author is responsible, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any content, goods or services mentioned in this article.

Tony Hawk's Latest NFTs to Come With Signed Physical Skateboards

Last December, the renowned professional skateboarder Tony Hawk released his “Last Trick” non-fungible token (NFT) collection via the NFT marketplace Autograph. Next week, Hawk will be auctioning the skateboards he used during his last tricks, and each of the NFTs ... read more.

Bitcoin, Ethereum Technical Analysis: BTC, ETH Remain in the Red, to Start the Weekend – Market Updates Bitcoin News

Bitcoin and ethereum were both trading lower to start the weekend, as crypto markets continued to face bearish pressures. The current uncertainty surrounding next week’s Federal Reserve meeting has seen prices consolidate for most of the week, with Saturday being no different.

Bitcoin (BTC) was once again in the red during today’s session, as prices continued to trade below the key $40,000 level.

The world’s largest cryptocurrency dropped to a low of $38,235.54 to start the weekend, following a peak of $39,263.60 on Friday.

Saturday’s fall has seen the price continue to slowly approach the long-term support level of $37,570, which is a point that hasn’t been reached since March 13.

One reason why BTC bears haven’t yet captured this floor is due to the fact that the 14-day RSI continues to sit above its own support.

As of writing this, relative strength is tracking at 40.50, which is slightly above the ceiling of 40, and bears have likely avoided entering in huge numbers, as they are likely anticipating a rebound.

Recent history has shown that bulls typically push prices higher at this level, which could be a reason for the tentative start to today’s session.

Ethereum (ETH) on the other hand saw its long-term support level briefly hit during today’s session, as traders prepared to leave April behind.

April has been the worst month for ETH since December, with prices going from a peak of $3,580, to a bottom of $2,770.

Saturday’s bottom saw ETH/USD drop to an intraday low of $2,782.44, which is marginally above support at $2,780.

Following the low, the price has since climbed, as history suggested, with bulls typically re-entering the market at this point.

As of writing, ETH is trading at $2,832.82, which is 0.43% lower than Friday’s high, and comes as many hope for pending reversals.

Should this occur, the 42 ceiling within the RSI indicator will need to be broken in order to help rally more bulls together.

Will May see price consolidation in crypto finally end? Leave your thoughts in the comments below.

Eliman brings a diversified point of view to market analysis, having worked as a brokerage director, retail trading educator, and market commentator in Crypto, Stocks and FX.

Image Credits: Shutterstock, Pixabay, Wiki Commons

Disclaimer: This article is for informational purposes only. It is not a direct offer or solicitation of an offer to buy or sell, or a recommendation or endorsement of any products, services, or companies. Bitcoin.com does not provide investment, tax, legal, or accounting advice. Neither the company nor the author is responsible, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any content, goods or services mentioned in this article.

Fidelity Investments Launches Crypto, Metaverse ETFs — Says 'We Continue to See Demand'

Fidelity Investments, one of the largest financial services firms with more than $11 trillion under administration, is launching exchange-traded funds (ETFs) focusing on the crypto ecosystem and the metaverse. "We continue to see demand, particularly from young investors, for access ... read more.

Biggest Movers: FTM Down 12% to Start the Weekend, as ATOM Hits 8 Month Low – Market Updates Bitcoin News

FTM was down by as much as 12% to start the weekend, as crypto markets were once again under a red wave. ATOM was also victim to this wave, falling to its lowest level since last August during Saturday’s session.

Fantom (FTM) was down by double digits on Saturday, as bearish pressure continued to send prices deep into multi-month lows.

Saturday saw FTM/USD fall for a third consecutive session, as prices hit an intraday low of $0.786 earlier today.

Today’s low is the lowest point prices have reached since last September, and comes following a bearish start to the year.

Overall, FTM has traded lower for five of the six last months, ever since recording an all-time high of $3.47 in October.

Looking at the chart, this weakness has pushed prices deep into oversold territory, which is one of the only good signs for remaining long-term bulls.

Despite FTM failing to find a floor in recent months, should this current level hold firm, we may begin to see consolidation, and potentially even reversal in upcoming months.

FTM was not the only token to fall to multi-month lows to start the weekend, with cosmos (ATOM) also dropping on Saturday.

Following a peak of $20.36 during Friday’s session, ATOM/USD started the weekend by falling to a low of $18.96.

This bottom was over 5% lower than yesterday’s high, and sees prices fall to their lowest level since the end of last August.

ATOM is now trading in the red for a second consecutive month, as prices continue to struggle to find a sustainable floor.

Its most recent support level of $21.63 was broken earlier this week, as the 14-day RSI continued to also lose strength.

Now tracking at the 28 level, relative strength seems to have an interim floor, and should this hold firm, we could see an attempt to re-enter the $21 level.

Which is more likely to have a strong rebound, ATOM or FTM? Let us know your thoughts in the comments.

Eliman brings a diversified point of view to market analysis, having worked as a brokerage director, retail trading educator, and market commentator in Crypto, Stocks and FX.

Image Credits: Shutterstock, Pixabay, Wiki Commons

Disclaimer: This article is for informational purposes only. It is not a direct offer or solicitation of an offer to buy or sell, or a recommendation or endorsement of any products, services, or companies. Bitcoin.com does not provide investment, tax, legal, or accounting advice. Neither the company nor the author is responsible, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any content, goods or services mentioned in this article.

Ripple CEO: SEC Lawsuit Over XRP 'Has Gone Exceedingly Well'

The CEO of Ripple Labs says that the lawsuit brought by the U.S. Securities and Exchange Commission (SEC) against him and his company over XRP "has gone exceedingly well." He stressed: "This case is important, not just for Ripple, it’s ... read more.

Brazilian Senate Approves Cryptocurrency Law Project – Regulation Bitcoin News

The Brazilian Senate has approved a recently presented cryptocurrency policy, advancing the project to discussions in the deputy chamber. The proposal will have to be greenlighted by the deputies of Congress and signed by President Jair Bolsonaro to be approved as law. The project presented is the result of the fusion of several law projects dealing with crypto.

The Brazilian Senate has greenlighted a cryptocurrency law project that seeks to give more clarity and protect users from different cryptocurrency-related scams that have happened in the country. The project will now advance to the Chamber of Deputies, which will be responsible for debating and approving or rejecting this new project.

The project was elaborated by choosing different projects that were presented earlier by taking some parts from one, and some from another. Senator Flávio Arns, senator Styvenson Valentim, senator Soraya Thronicke, and federal deputy Aureo Ribeiro all contributed to the final text. This was announced by local media before, which informed the institution was taking steps to achieve the approval of a cryptocurrency law before the end of Q2.

While discussing the law project, rapporteur Iraja Abreu stated:

We advanced the discussions of the report so that we could here today finally vote on this matter of regulation of crypto assets… The central bank was constantly demanding Congress to position ourselves in relation to a regulatory framework that could understand the dimension of this new business environment.

The cryptocurrency law project approved by the Brazilian senate establishes the concept of cryptocurrencies and virtual asset service providers (VASPs), but leaves the faculty of naming the institution destined to oversee them to the Executive branch of the government. In earlier iterations of this project, this faculty was assigned to the Central Bank of Brasil. The executive branch of the government will be able to assign these tasks to an existing organization or create one just for this.

The subject of non-fungible tokens (NFTs) was left outside the scope of the regulation, with the regulation of these tools being left to another law project due to their special traits. However, the document does amend the penal code of the country to include a new crime, denominated “fraud in the provision of services of virtual assets, securities, or financial assets,” with penalties going from imprisonment from two to six years plus fines.

The document also proposes tax benefits for cryptocurrency mining operations that use 100% renewable energies and become carbon neutral.

What do you think about the approval of the cryptocurrency law by the Brazilian senate? Tell us in the comments section below.

Sergio is a cryptocurrency journalist based in Venezuela. He describes himself as late to the game, entering the cryptosphere when the price rise happened during December 2017. Having a computer engineering background, living in Venezuela, and being impacted by the cryptocurrency boom at a social level, he offers a different point of view about crypto success and how it helps the unbanked and underserved.

Image Credits: Shutterstock, Pixabay, Wiki Commons

Oman to Incorporate Real Estate Tokenization in Virtual Assets Regulatory Framework

Real estate tokenization is set to be incorporated into Oman Capital Markets Authority (OCMA)'s virtual asset regulatory framework. According to an advisor with the authority, the tokenizing of real estate will open investment opportunities for local and foreign investors. Real ... read more.

As 10 maiores altas e baixas de ETFs em abril - InfoMoney

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sexta-feira, 29 de abril de 2022

How to edit TextEdit files on iPad | Macworld

For many years people have used the free TextEdit app on their Macs to quickly create plain text files. Apple for some reason has never brought this useful program to its mobile devices, so it can be something of a challenge to edit existing files from your Mac when on your iPhone or iPad. There are some options available though, including third-party apps and switching to another Apple offering. Here’s how to edit TextEdit files on iPad. 

Those who enjoy using TextEdit on a Mac because of its simplicity will be disappointed to learn that Apple does not make a version of TextEdit for iPad. While nearly every Mac app seems to have made its way from the Mac to the iPad or iPhone, TextEdit seems to be one that Apple just hasn’t felt deserved the move. We suspect that this is because Apple feels Notes to be a better option for making notes that can be synced across both devices, but following an email from a reader about this issue we realise that there are people looking for a solution so that they can exit TextEdit files on an iPad.

If you don’t have a mass of legacy documents, and don’t mind about keeping your files in their original folders, there are plenty of alternatives to options for editing TextEdit files on iPad.

The most obvious alternative to TextEdit on the iPad is Apple’s own Pages, which is free and can not only edit simple text files, but is also a fully-featured word processor that can create complex documents. 

Don’t forget Apple’s Notes either, as this is essentially a replacement for TextEdit and it’s available on every Mac, iPad and iPhone. It gives you the ability to create notes, format them, store the files in nested folders, and of course sync them across your Mac, iPad and iPhone via iCloud. 

Simplenote is another favourite, as the free app lets you quickly get your thoughts down in a note, then syncs them across all your devices. 

Going through the App Store you’ll find a wealth of text editing apps, all with subtly different areas of focus, so take some time to peruse the selection and see which one is right for your needs. 

To get the most out of your iPad, be sure to also take a look at our roundups of the best productivity and organisation apps and best note taking apps for iPad.

If you’ve been using TextEdit for a while, you may already have a large folder full of .txt files that you don’t want to move or import into another app. This can be tricky, as iPadOS usually prefers to have files stored in folders linked to certain apps. So, for example, if you open a TextEdit file in Pages, then the system will save the file in the Pages folder. 

It isn’t easy to avoid this, as that just seems to be the way iPadOS does things at the moment. This situation is changing though, with some apps now supporting the Open-In-Place feature that can leave your files where they are, while allowing you to edit them. 

We haven’t found a free solution at the time of writing, but one excellent app that can achieve the goal outlined above is iA Writer ($29.99/£25.99).

Once you have iA Writer installed, in the left hand column you’ll see the Locations section. Although it has iCloud already there, you’ll need to add the TextEdit folder from iCloud Drive to make the files accessible. Here’s how:

1.Tap the Edit button at the top of the column.

Martyn Casserly

2. Select Add Location…

Martyn Casserly

3. Highlight the TextEdit folder and tap Done

Martyn Casserly

4. You should now see TextEdit as an option in the Locations section

Now, to edit the file in question:

Martyn Casserly

Now, any changes you make should also appear in the version on your Mac, all without creating duplicates or moving the files. 

You can buy iA Writer in the App Store for $29.99/£25.99 and alongside the TextEdit capabilities there are also plenty of other features such as a Focus mode that greys out completed sentences and paragraphs so you can concentrate on the one you’re working on, plus there’s a syntax checker to improve your writing, a dark mode to save your eyes, plus compatibility with various cloud services to sync your writing. It’s lightweight, simple, and is a great solution if you just want to get things written. 

Note: When you purchase something after clicking links in our articles, we may earn a small commission. Read our affiliate link policy for more details.

Macworld contributor Martyn has been involved with tech ever since the arrival of his ZX Spectrum back in the early 80s. He covers iOS, Android, Windows and macOS, writing tutorials, buying guides and reviews.

Macworld contributor Martyn has been involved with tech ever since the arrival of his ZX Spectrum back in the early 80s. He covers iOS, Android, Windows and macOS, writing tutorials, buying guides and reviews.

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New AirPods Pro (2022) Release Date, Price & Specs Rumours | Macworld

The original AirPods Pro were introduced in October 2019, two and a half years ago. How long will we have to wait for Apple to update the AirPods Pro and unveil its second generation of premium wireless earbuds?

The AirPods are extremely popular products, so it seems bizarre that Apple leaves it so long between updates. The standard AirPods also went two and a half years between their second edition in March 2019 and the third in October 2021 (you may be interested to read our 2021 AirPods review). Could Apple make fans wait even longer for the new AirPods Pro?

In this article, we take a look at how Apple will evolve the AirPods Pro line-up in 2022, and examine the release date, price, tech specs, design changes and new features of the upcoming models.

We expect the next version of the AirPods Pro to launch in the fall of 2022: likely September or October.

That’s pushing towards a three-year gap between generations, and we’d love to get new Pros before then. But they didn’t appear at Apple’s Peek Performance spring event on March 8, and the consensus is that they won’t be announced in the summer either.

For one thing, nearly all AirPods have been fall launches (March 2019 was the one exception). And pundits and leakers have been lining up to pour cold water on the idea of a spring/summer launch.

Twitter user FrontTron, for instance, agrees that we will be waiting until fall 2022. The tech leaker indicates that the release has been pushed back from an expected second-quarter launch to the fall:

Release dates 💯

AirPods 3:
– 2021 Q3 ✅

AirPods Pro 2:
– At least 2022 Q2 ❎
➡️ Changed to 2022 Q3 https://t.co/YaP39JoC0t— Tron ❂ (@FrontTron) November 12, 2021

It is not known whether FrontTron (or his source if there is one) is reliable. But FrontTron’s prediction was backed up by another Apple leaker, @dylandkt, who tweeted on January 23, 2022 that the AirPod Pro update won’t come until fall:

The M2 iPad Pro is coming in the Fall. I have heard nothing but concerns from multiple sources with regards to its Wireless Charging/MagSafe capabilities. All iPad Pro models will have a MiniLED display. AirPods Pro 2 are also on track for a Fall release.— Dylan (@dylandkt) January 23, 2022

And if you think fall 2022 is a long wait, it’s possible we’ll have to be even more patient. Widely respected analyst Ming-Chi Kuo believes Apple will launch the second-gen AirPods Pro in the fourth quarter of 2022. Apple may have planned a launch earlier in the year, but the new AirPods Pro are facing delays due to global component shortages and COVID-related restrictions.

Price-wise, we expect the new AirPods Pro to cost $249, but that’s speculation: no concrete information concerning price has yet been released.

The current model is $249, but it’s frequently on sale. The new Beats Fit Pro retail for $200, so it’s likely Apple will keep the AirPods Pro at $249 to separate the models. Apple technically reduced the price of the 3rd-gen AirPods to $179 (the 2nd-gen model with the wireless charging case was $199) but eliminated the lower-cost option with the wired case.

For comparison, here’s the pricing for the current range of AirPods on the Apple Store:

The AirPods Pro cost $70 more than the AirPods. Is Apple likely to maintain that gap? We think so. We do hope to see the price of the AirPods Max fall, though.

Note that the current AirPods Pro model is likely to disappear when the new one comes out, rather than sticking around with a price cut. A tweet by an account claiming to be that of Ming-Chi Kuo says Apple has trimmed AirPods 3 production by more than 30 percent. As a result, Apple will likely discontinue the current AirPods Pro instead of keeping it available as a lower-priced alternative.

With the AirPods receiving a redesign in 2021, we assume that the AirPods Pro will change in order for the differences between the two types of AirPods to be clear.

There is some evidence that this will be the case: Bloomberg’s Mark Gurman, for example, believes that the new AirPods Pro will have no stems, in a radical step. He said in a May 2021 report that the new AirPods Pro may not feature shafts, following a similar design to the Beats Studio Buds or the Beats Fit Pro.

We’re actually big fans of the current design, although we have a few reservations about the charging case: it’s harder to get the Pros out than was the case with the previous models, and the hinge feels less robust. (The hinge sits along the longer edge because the Pro models are shorter and wider than before.) Perhaps Apple could tweak the case design in lieu of major changes to the earbuds themselves.

It’s also been claimed that the new AirPods Pro will come in two sizes for the first time. This prediction is based on leaked components, and was made via a tweet by Mr White:

New AirPods Pro Mabey Two Sizes Still W2 Chips 🤨 pic.twitter.com/R5MpzUrUlg— Mr·white (@laobaiTD) December 29, 2020

He referred to the image as W-chips, but it’s actually the H-chips that feature in the AirPods so we assume that’s a mistake. The components that feature in the leaked images come in two different sizes, suggesting that Apple may have two sizes of next-gen AirPods Pro in the works. (It appears that Mr White has since deleted the tweet, though it’s unclear whether that means it was wrong or just ruffled the wrong feathers.)

Another top request for the new AirPods Pro is a choice of more sizes of ear tips so users can ensure they get the perfect fit. Currently Apple only offers three sizes: small, medium or large. Buy AirPods Pro Ear Tips here.

It’s feasible that we could see a new color option when the next set of AirPods Pro is launched. It would be unusual for Apple to get this far into a product line without offering at least two colors. The AirPod Max, indeed, get five: Space Gray, Silver, Pink, Green, and Sky Blue.

Space Gray (or another variant on black or dark gray) is probably the most likely. And speaking of new colors… according to Gurman, Apple may launch new color options for the AirPods Max too. Is purple a possibility?

When convincing customers to spend more on the premium AirPods, features are the key. What’s Apple got up its sleeve?

Apple will continue to differentiate the AirPods Pro with noise cancellation after the third-gen AirPods arrived without it, and may look for ways to improve it.

It may not be new, but the feature is certainly popular. It emerged in January 2022 that with the launch of the 13 series Apple removed the iPhone’s noise-cancellation feature, which was designed to improve sound quality during phone calls. Perhaps Apple concluded that most people use earbuds to make phone calls; in which case, improvements to the AirPods Pro noise cancellation feature would be beneficial.

According to Bloomberg, the next AirPods Pro will focus more on fitness tracking and have updated motion sensors as well. And they may even offer tracking assistance of sorts when you’re not wearing them: in January 2022, Ming-Chi Kuo reported that the second-gen AirPods Pro may come with a case that can emit a sound to help locate it when lost.

A heart rate sensor could be one health feature Apple could add to the future AirPods Pro. While optical heart rate sensors can be uncomfortable, sport-loving users swear by them and they are offered by some rival earbuds. This is a long shot but not beyond the realms of possibility, especially if Apple can deliver them in a sleek package.

Speaking of health and fitness, improved water resistance would be useful. The IPX4 rating currently offered leaves a fair bit of room for improvement. The RHA TrueConnect and Creative Outlier Air headphones, which are the top two choices in our roundup of the best wireless earbuds, are both rated IPX5; the JBL UA True Wireless Flash buds are rated as a ‘stormproof’ IPX7.

The AirPods Pro could be in line for gesture-based controls. Apple has applied for a patent called Wearable Voice-Induced Vibration or Silent Gesture Sensor, which describes the use of a sensor to scan the user’s face and detect minute changes in expression, and the muscular movements associated with speech even if not spoken out loud. This could be used to trigger commands, or as a biometric identification tool for improved security.

Apple launched Lossless Audio and Lossless High-Res Audio for Apple Music last June, but due to the limitations of Bluetooth and the AAC codec, none of the current AirPods are able to stream the higher-quality tracks. However, Jon Prosser reported that Apple is working on a new audio codec that would allow lossless streaming over AirPods, which could get an introduction alongside the new models. In January 2022, Kuo offered a corroborating report (via 9to5Mac) that the second-gen AirPods Pro will bring “support for Apple Lossless (ALAC) format.”

None of Apple’s earbuds support Lossless audio due to the current limitations of Bluetooth. If the AirPods Pro support Lossless, it will need to enhance Bluetooth to enable Lossless audio over AirPlay 2.

Discussing Apple’s new technologies in a February 2022 interview, acoustics VP Gary Geaves said: “There’s a catch, as far as I can see it–a bottleneck that’s been preventing real qualitative leaps in the sound of wireless headphones essentially since wireless headphones came into being. I’m talking about Bluetooth, of course, which almost all wireless headphones, including AirPods, rely upon and which doesn’t have the data rate for hi-res or even lossless audio.”

Geaves added a note of optimism about the possibility of innovation in this space. “It’s fair to say that we would like more bandwidth and… I’ll stop right there,” he said. “We would like more bandwidth.”

How can Apple get this extra bandwidth? The obvious choice would be for the company to upgrade from Bluetooth 5.0 (used in the AirPods 3 and current AirPods Pro) to 6GHz Bluetooth.

Apple makes three types of AirPods. There’s the AirPods, the AirPods Pro and the AirPods Max.

We don’t expect new AirPods Max until near the end of 2022, and quite possibly well beyond that. They were released in December 2020, and the other AirPods have gone well over two years between updates.

However, there may be other announcements related to the AirPods Max before the next version comes out.

With the arrival of Hi-Res audio for Apple Music subscribers, for example, it seems likely that the AirPods Max (and AirPods Pro) will get an update to support Hi-Fi audio; it could be a software update rather than a hardware update. A Bloomberg report indicates that Apple is also considering offering additional color choices.

Note: When you purchase something after clicking links in our articles, we may earn a small commission. Read our affiliate link policy for more details.

Macworld editor since 2008, Karen has worked on both sides of the Apple divide, clocking up a number of years at Apple's PR agency prior to joining Macworld well over a decade ago. 

Karen's career highlights include interviewing Apple's Steve Wozniak and discussing Steve Jobs’ legacy on the BBC. Her focus is Mac, but she lives and breathes Apple.

Macworld editor since 2008, Karen has worked on both sides of the Apple divide, clocking up a number of years at Apple's PR agency prior to joining Macworld well over a decade ago. 

Karen's career highlights include interviewing Apple's Steve Wozniak and discussing Steve Jobs’ legacy on the BBC. Her focus is Mac, but she lives and breathes Apple.

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