A Credit or Debit Entry with an Effective Entry Date, as defined by the Rules, of the date of or a date prior to the date of the transmission of the Entry or File to Bank and received by Bank prior to the applicable cut-off time set forth below shall be considered to be a Same Day Entry. In addition to any other fees that Customer is obligated to pay Bank to originate Same-Day Entries, Customer hereby agrees to pay Bank the Same Day Entry fee established by Bank from time to time for Same Day Entries transmitted to Bank by Customer.
Not all keywords are created equal. The most general keywords are, predictably, the shortest ones. However, long-tail keywords are structured in such a way that they can help you orient your content toward users further down the funnel. While there may be fewer of these visitors, they have a higher intent to purchase than those who search for the most general terms.
We reserve the right to supplement and change the charges, fees or other terms of this Access Agreement (including Schedules and attachments hereto) and related documents upon providing notice to you, by email or by an online posting on our Cash Management Services website.  However, when increases are made to any fees or charges, we will notify you online, or send a notice to you at the address shown on our records, or send you an electronic mail message (email).  The notice will be posted or sent in advance of the effective date of any additional fees for Services or of any stricter limits on the type, amount or frequency of transactions, unless (a) an immediate change is necessary to maintain the security of the system, (b) the changes do not have a material effect on your use of Services or (c) we are adding a new schedule or exhibit to the Agreement for which prior notice is not otherwise required.  If a change requiring disclosure is made but it cannot be disclosed in advance without jeopardizing the security of the system in our judgment, then we will provide you with electronic or written notice within 30 days after the change.  As always, you may choose to accept or decline changes by continuing or discontinuing the Accounts or Services to which these changes relate.  Changes to fees applicable to specific Accounts are governed by the applicable Deposit Agreement and Disclosure.
User experience refers to factors such as how fast your website loads, how modern your design is, how easy it is to navigate your site and to what extent you’re fulfilling users’ search intentions. Whilst search engines aren’t able to evaluate the UX of every website on the internet manually, they do take into account various indicators such as bounce rates, time on site and page views per visitor to help them estimate the quality of your UX.
If you've developed valuable skill sets or picked up certifications within your industry over the years, offering your consulting services to local business owners can be a lucrative way to make money online. Whether you're an expert marketer, business strategist, or manufacturing aficionado, there's likely a local business owner who's willing to pay you to help them solve an issue with their company. Start with this 18-step checklist to becoming a local business consultant from Karyn Greenstreet and then use my guide to crafting an effective cold email to convince them to hire you.
This Electronic Funds Transfer Agreement (“EFT Agreement”) governs Electronic Funds Transfer (“EFT”) services provided by Bank to you (collectively, the “Service” in this EFT Agreement). By using the Service, you agree to the terms and conditions of this EFT Agreement and all exhibits, schedules, appendices, addenda, and other attachments hereto, which are part of this EFT Agreement. In the event of a conflict between the terms of this EFT Agreement and the terms of the Access Agreement, this EFT Agreement will control to the extent of such conflict. The terms “we,” “us,” “our,” “River City Bank,” and “Bank” refer to River City Bank. “Customer”, “you” and “your” refer to the party in whose name an Account is maintained, each signer on an Account, and all owners of that Account. The term “Access Agreement” means the Online Cash Management Access Agreement between Bank and you to which this EFT Agreement is attached.
Google is currently been inundated with reconsideration requests from webmasters all over the world. On public holidays the Search Quality teams do not look at reconsideration requests. See below analysis. From my experience it can take anywhere from 15-30+ days for Google to respond to reconsideration requests; during peak periods it can even take longer.
To help ensure that your inquiries are handled promptly, courteously and accurately, Bank’s supervisory or management personnel may monitor and/or record telephone conversations and electronic communications between you and Bank without additional prior notification to you or your employees, and you will so advise your employees who communicate with Bank by telephone or electronic means.
Most search Engines offer two types of search results to users: paid results (typically show on top or side) and organic or natural results. The disadvantages of Paid results is that you need to pay for them and that most users consider them to be a little better than advertising and will often skip them in favor of natural or organic search results. The advantage is to get your web site rank higher for a specific keyword and to get clicks on your ad leading to your landpage. Organic search is one that generates results that came from you ranking on SE and not from

So how can you prepare your blog for long-term organic traffic? We have a few tips below. We did want to mention that they are other ways of getting traffic to your website. They are effective but you need to be more consistent. With organic traffic, your blog will naturally gain long-term traffic. But here are our other suggestions to getting traffic to your website:
Next, you’ll need the right tools. You can be as complicated or simple as you want depending on your comfort with audio equipment, but at the minimum you’ll want a microphone and software for recording your voice. Companies like Behringer, Blue, Focusrite, and others sell studio-quality plug-and-play podcast setups that can get you recording today.
Having large groups of content that all revolve around the same topic will build more relevance around keywords that you're trying to rank for within these topics, and it makes it much easier for Google to associate your content with specific topics. Not only that, but it makes it much easier to interlink between your content, pushing more internal links through your website.
You agree that any intermediary bank or beneficiary bank that assists in the processing of your payment order may charge a fee for processing your order.  Bank has no control over these fees and is not responsible for these fees.  These fees may be deducted by the intermediary bank or beneficiary bank from the amount to be credited to the beneficiary of your Transfer or, in the case of Transfers into Bank, deducted from the amount sent to you.
Next, you need to set up and build your YouTube channel. Your YouTube channel is your homebase for all your content. If you already have a Google account for Gmail or Google Drive, then you can use that to log-in to YouTube and start setting up your channel. Pick a username that works for you and is memorable (if you’re using an existing Google account you’ll have to edit your username in Google+).

You acknowledge that the return, rejection or delayed payment of an ACH Transaction, a check or other item is subject to dispute by any of the parties involved, including the senders, payees, originators, drawers and other parties.  If a dispute arises relating to any aspect of the Services or the entries, checks or other items processed or not processed by or through the Service, we will act according to our good faith understanding of this Agreement, applicable laws, regulations and the Rules, including any attachments or appendices then in effect, as they may be amended from time to time.  You agree to indemnify and hold Bank, its officers, directors, shareholders, agents, employees and Affiliates, and their respective officers, directors, agents and employees, harmless from and against any and all losses, costs, suits, damages, claims, liabilities and expenses (including reasonable attorneys’ fees) arising from or related in any way to your use of the Service, unless such losses or costs are proven in a non-appealable court judgment to have been caused by our intentional misconduct or gross negligence.
A number of our Services are subject to processing cutoff hours.  The cutoff hour for wire transfers is 1:45 p.m. (Pacific time) on our banking days.  The cutoff hour for standard, next-day ACH transactions and tax payments is 3:00 p.m. (Pacific time) on our banking days.  Same-Day ACH transfers may be subject to a different cutoff hour as described in the Electronic Funds Transfer Agreement and applicable Schedules.  Instructions received after the cutoff hour or on a non-banking day may be deemed received as of the next banking day.
No matter what method you select for generating your online income, there's one very important thing to understand. Today, across this globe, with its 7+ billion inhabitants, there are two recurring things that people are looking for more of. Either people want more time or they want more money. The truth? Time is far more valuable than money. You can't recreate time. Once it's spent, it's gone forever. Not money.
Thanks Jure. That actually makes sense. Exactly: I’ve tested lowering the number of tips in a few posts and it’s helped CTR/organic traffic. One thing to keep in mind is that the number can also be: the year, time (like how long it will take to find what someone needs), % (like 25% off) etc. It doesn’t have to be the number of tips, classified ads, etc.
You agree that you are jointly and severally liable for all obligations to Bank arising under an Access Agreement on the part of other Bank customers who are bound by an Access Agreement and who control you, are controlled by you or are under common control with you.  For purposes of this paragraph, the term “control” means the direct or indirect ownership of 25% or more of the voting or equity securities of another person (the “controlled person”) or the possession of the power to direct or cause the direction of the management or policies of the controlled person, whether through the ability to exercise voting power, by contract or otherwise.  Entities are “under common control” if the same person exercises control over those entities.
This is similar in concept to micro-tasks, except that it is oriented toward specific services, such as cleaning services, pest inspection, handyman services, house cleaning, lawn & garden services or any of the skilled trades. It might actually be more accurate to say that it is a platform where skilled service providers can offer their services to site visitors, similar to Angie’s List.
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Working as a freelancer is a great way to make money online from the comfort of your own home. The beauty of freelancing is that you can tailor it to suit your needs. You can freelance for a couple of hours a week in the evenings to help save up for a holiday or some much-needed home improvements. Or carve out a full-time job for yourself, giving you a more satisfying work-life balance and enabling you to do the simpler things in life like taking the kids to school. With so many jobs available online, freelancing is becoming more and more popular.
Beyond organic and direct traffic, you must understand the difference between all of your traffic sources and how traffic is classified. Most web analytics platforms, like Google Analytics, utilize an algorithm and flow chart based on the referring website or parameters set within the URL that determine the source of traffic. Here is a breakdown of all sources:
However, people can still do webinars without all of that. For example, you might have a sizable social media following and you train them every week on something to do with social media. But you will need a product to embed and sell at some point. Don't worry about it in the beginning. And by far, the best webinar platform out there is certainly GoToWebinar. Hands down, there isn't even another platform that comes close.

Webinars are quite possibly one of the most potent ways you can make an exorbitant amount of money online. Russell Brunson often says that if you do a webinar every single week for a year, you'll be a millionaire at the end of it. You'll need an audience to train and you'll need to know what you're talking about. Of course, this usually requires having a website and some semblance of an online presence.


Except as expressly set forth in this Access Agreement, Bank makes no, and hereby disclaims any and all, representations or warranties, express or implied, in law or in fact, whatsoever to you or to any other person as to the services or any aspect thereof, including (without limitation) any warranty of merchantability, fitness for a particular purpose, quality, accuracy, or suitability. You agree that no oral or written advice or representation obtained from any Bank employee or representative will create a warranty or representation for purposes of this Access Agreement or any Services to be performed pursuant hereto. Bank makes no representation or warranty, either express or implied, to you as to any computer hardware, software, or equipment used in connection with the services (including, without limitation, your computer systems or related equipment, your software, or your internet service provider or its equipment), or as to the suitability or compatibility of Bank’s software, internet delivered service, equipment or communication interfaces with those that you use, or as to whether any software or internet delivered service will perform in an uninterrupted manner, including (but not limited to) any warranty of merchantability or fitness for a particular purpose.
The term “organic traffic” is used for referring to the visitors that land on your website as a result of unpaid (“organic”) search results. Organic traffic is the opposite of paid traffic, which defines the visits generated by paid ads. Visitors who are considered organic find your website after using a search engine like Google or Bing, so they are not “referred” by any other website.
If you do not have sufficient funds in the Account to pay disbursements, fees, or any other amounts due under this EFT Agreement at the time required, or if you refuse to pay, Bank may (a) debit any Account at Bank or the account of any of your affiliates to pay disbursements, fees or charges, or other amounts due, (b) refuse to process originating entries, in which case the liability will become your sole responsibility, (c) refuse to perform further Service, and/or (d) immediately terminate this EFT Agreement. Bank may recover from you any costs including, without limitation, reasonable attorneys’ fees and expert witnesses’ fees Bank may incur in connection with any termination of this EFT Agreement or collection of amounts due hereunder.
Not all keywords are created equal. The most general keywords are, predictably, the shortest ones. However, long-tail keywords are structured in such a way that they can help you orient your content toward users further down the funnel. While there may be fewer of these visitors, they have a higher intent to purchase than those who search for the most general terms.
Research selling prices of items similar to yours. Look up completed sales or current listings of items similar to yours. Find the high- and low-end prices, and price your object around the median price level. If you want your item to sell quickly, price it at the low end. The condition of the item also affects the price. Items in poorer condition should be priced at the lower end. Also, consider how many listings there already are of items similar to yours. If many similar items will be competing with yours, you may have to set the price lower to get the sale.[28]

If a payment order describes the receiver inconsistently by name and account number (i) payment may be made on the basis of the account number even if it identifies a person different from named receiver or (ii) Bank may in its sole discretion refuse to accept or may return the payment order. If a payment order describes a participating financial institution inconsistently by name and identification number, the identification number may be relied upon as the proper identification of the financial institution. If a payment order identifies a non-existent or unidentifiable person or account as the receiver or the receiver’s account, Bank may in its sole discretion refuse to accept or may return the payment order.


One such additional security precaution is dual control.  The term “dual control” refers to a process in which the active involvement of two people is required to complete a particular transaction.  Dual control is one of the foundations of online banking and information security because it is based upon the premise that both parties would have to be in collusion for a security breach to occur.  The system enables your Authorized Agents to set rights and privileges for your users to be initiators and/or approvers of online banking transactions.  If dual control is implemented, then a transaction requires one individual to initiate the transaction and a separate individual to approve the transaction in order for Bank to process the transaction.  Because no one security method or combination of methods is failsafe, you must ensure that your network and all computer systems are updated, protected against intrusion and otherwise administered in accord with best practices.
One such additional security precaution is dual control.  The term “dual control” refers to a process in which the active involvement of two people is required to complete a particular transaction.  Dual control is one of the foundations of online banking and information security because it is based upon the premise that both parties would have to be in collusion for a security breach to occur.  The system enables your Authorized Agents to set rights and privileges for your users to be initiators and/or approvers of online banking transactions.  If dual control is implemented, then a transaction requires one individual to initiate the transaction and a separate individual to approve the transaction in order for Bank to process the transaction.  Because no one security method or combination of methods is failsafe, you must ensure that your network and all computer systems are updated, protected against intrusion and otherwise administered in accord with best practices.
Organic traffic is the primary channel that inbound marketing strives to increase. This traffic is defined as visitors coming from a search engine, such as Google or Bing. This does not include paid search ads, but that doesn’t mean that organic traffic isn’t impacted by paid search or display advertising, either positively or negatively. In general, people trust search engines, and sayings such as “just Google it” reinforce that humans are tied to the search engine. Thus, paid search, display, or even offline campaigns can drive searches, which may increase organic traffic while those campaigns are running.
A lifestyle blogger writes about their everyday life, hobbies, and interests. From fashion, beauty tips, and male grooming, to food, restaurants, and travel, anything that you experience can be blogged about. And famous lifestyle bloggers can make big bucks. Once you have built up a following, there are many ways to make a profit. Add affiliate links to your website, promote sponsored services, create your own product range, and much more.
Better yet, you can even upload your own book to one of the world’s largest book sellers: Amazon. With Amazon self-publishing, you set the price, retain the rights to your book, and get access to Amazon’s massive audience. For every sale, you keep 70% with Amazon taking the remainder as a fee. If you want to get started, check out Leslie Samuel's great guide to selling eBooks online or follow Tara Gentile on CreativeLive as she shows you how to use your existing body of work to write an eBook within the next week. Who knows, you might just write one of the best business books of this year!

Take it seriously. Yes, you’re applying for an online job. Yes, you can do the work in your underwear, but that doesn’t mean it’s not a “real job”. You must treat it as such or they aren’t going to treat you as a serious candidate. You aren’t the only one who wants to work in their underwear. In fact, the competition online is likely higher than it is in your local area.

Kristine Schachinger has 17 years digital experience including a focus on website design and implementation, accessibility standards and all aspects of website visibility involving SEO, social media and strategic planning. She additionally specializes in site health auditing, site forensics, technical SEO and site recovery planning especially when involving Google algorithms such as Penguin and Panda. Her seventeen years in design and development and eight years in online marketing give her a depth and breadth of understanding that comes from a broad exposure to not only digital marketing, but the complete product lifecycle along with the underlying technology and processes. She is a well known speaker, author and can be found on LinkedIn, Google+ and Twitter.
Running and charging for webinars can be a great way to build a following in your niche, demonstrate that you are an expert in your field, and make a profit. Hosting a webinar can be hard work. They need to first be promoted, provide original and valuable information, and include interactive elements so your audience can ask questions and engage with your topic. However, once you have built up a large blog following, each webinar can be extremely profitable.
Any person identified by you in an Appointment Form, this EFT Agreement or any certification, notice or other communication delivered to Bank may receive information, communications and notices regarding the Service, and is authorized to transact all business, make all agreements and sign and deliver all documents in connection with the Services.  If the identity of such a person changes, you must promptly notify Bank in writing.  Bank will have a reasonable time after receipt of a certification, notices or other communication to act thereon.
MoneyMe Pty Limited ABN 40 163 691 236 acts as authorised representative of Emerchants Payment Solutions Limited ABN 30 131 436 532 AFSL 404131 as distributor of the MoneyMe Express Visa card. Cuscal Limited ABN 95 087 822 455, AFSL 244116 is the issuer of the product. Any advice is general advice that does not take account of your objectives, financial situation or needs, so you should consider whether the product is suitable for you before acquiring or activating it. The product is available only to Australian resident MoneyMe members.

For our client: We rolled out a successful implementation of rel="author" for the three in-house content writers the company had. The client had over 300+ articles made by these content writers over the years and it was possible to implement rel="author" for all the aged articles. I advise anyone who has a large section of content to do so as it will only benefit the website. We were also in the process of rolling out further schema markup to the site's course content as it only has a benefit for CTR.


If, for any reason, you should ever wish to cancel cash management Bill Payment Service, we strongly suggest that you cancel all future bill payments at the same time that you cancel your Service, either by deleting those payments yourself using the cash management system or calling River City Bank’s Customer Service at (916) 567-2899. This will ensure that future payments and transfers made by you will not be duplicated. We will automatically cancel all outstanding payment orders (all individual payments and all recurring payments) once we have been notified that your Service has been terminated. We will continue to maintain your Accounts until you notify us otherwise.
MemberPress is a feature-rich plugin that will enable you to turn your WordPress blog into a fully functional membership site. Depending on how you want to run your membership site, you could have a mixture of free and premium membership plans. Premium plans could include no adverts, free downloads, access to extra content, membership forums, and much more. However, it is important to remember that if people are going to pay to view your content then it must be high quality. Otherwise, your members won’t renew their subscriptions when the time comes.
It’s one of the oldest and most proven ways to make money – buy low, sell high. The buy low part comes from searching garage sales, estate sales, and even thrift stores to find items that are in good condition (“gently used”) but selling well below what they would if they were brand-new. In this way, you might be able to acquire an item for $5, and later sell it for $50.
Running and charging for webinars can be a great way to build a following in your niche, demonstrate that you are an expert in your field, and make a profit. Hosting a webinar can be hard work. They need to first be promoted, provide original and valuable information, and include interactive elements so your audience can ask questions and engage with your topic. However, once you have built up a large blog following, each webinar can be extremely profitable.

For any Services described in this Access Agreement utilizing the Internet, Bank does not and cannot control the flow of data to or from Bank’s network and other portions of the Internet.  Such flow depends in large part on the performance of internet services provided or controlled by third parties.  Actions or inactions of such third parties can impair or disrupt your connections to the Internet (or portions thereof).  Bank cannot guarantee that such events will not occur.  Accordingly, Bank disclaims any and all liability resulting from or related to such events and in no event shall Bank be liable for any damages (whether in contract or in tort) that are attributable to the public Internet infrastructure, your ability to connect to the Internet, or Bank’s ability to connect on the Internet on your behalf.
This topic seems actually quite controversial. Google answered the question by what could be taken as a denial. But their answer was kind of open to interpretations. And on the other hand, there are studies (one of them from Moz) that showed linking out has an impact. So, how can you be so assertive? Is it something that comes out from your own experiments?
21. Facebook – Facebook swap shops are great for selling things locally. It’s like CraigsList, but a little easier. You simply search for swap shops in your area and ask to join the group. Once you’re in, take a picture of the item, write a quick description with the price and post it. It doesn’t get much easier than that. You can generally expect to get about what you would get at a yard sale, maybe a little more.
The Title is the most important tag on the page for search engines. This tag provides a short description of the page. Google displays page title with Arial font face, 18 pixels inside a div tag of 512 pixels. How is that translated into characters length? In most cases the title tag should never be more than 80 characters long, 55-70 characters length are fine. There are also free Ttitle checkers available.
Because so few ordinary users (38% according to Pew Research Center) realized that many of the highest placed "results" on search engine results pages (SERPs) were ads, the search engine optimization industry began to distinguish between ads and natural results.[citation needed] The perspective among general users was that all results were, in fact, "results." So the qualifier "organic" was invented to distinguish non-ad search results from ads.[citation needed]
Creating your own food blog, will not only be fun but done well it should also be profitable. Link your site to affiliate cooking products, sell your food photos, create and sell your own physical cookbook, or launch a cooking app. Equally, you could turn your cooking blog into a membership site. You would then share all your content, including recipes, how to videos, food photographs, and much more, with only your paid up members.
One of the most beautiful and exciting qualities about blogging is that you can create a blog that deals with any subject area that you are either knowledgeable or passionate about (and preferably both!). You can write about personal finance, careers, real estate, getting into business, technology, cooking, travel, personal health, or just about any topic you choose.
It is solely your responsibility to ensure that your computers, network, servers, firewalls, telephone lines, passwords, identification numbers, and all other items and facilities needed by you to transmit a transaction request to Bank and to receive confirmations thereof from Bank (collectively, the “Customer Systems”) are secure and have not been compromised.  You represent and warrant that you have established and maintained physical and electronic security and controls to protect against fraud perpetrated by insiders and outsiders, including fraud perpetrated by means of physical or electronic intrusion, insider complicity and by means of impersonation of your Authorized Agents and other personnel.  If Bank receives any transaction request purporting to be made on your behalf and which request was able to be sent to Bank due to any failure or deficiency in Customer Systems, the Bank will have no liability to you for honoring such transaction request and you must indemnify Bank from any and all losses, attorney’s fees and other costs arising from Bank’s acting on that transaction request.  You represent and warrant that you considered the size, type, value, and frequency of the transactions and related communications that you anticipate making in connection with this Access Agreement and agree that our security procedures are commercially reasonable in light of those anticipated transactions.
Work in grocery delivery. Instacart is a company that will pay you to pick up grocery store orders in your spare time. The entire purchase and order takes place through the Instacart app, making it easy for you to pick up the groceries your customers wants and get paid. Like other food delivery jobs on this list, Instacart lets you earn a per-trip rate plus tips. Shipt is another service that will pay you to shop for groceries and deliver them to consumers in your area, so make sure to see if they’re available where you live.
These days when the market is big and competitive, using short keywords might not be the right choice. Trying to target these keywords can be hard, as many other strong players and your competitors are using them and for ones with high competition you will find many pay per click ads in the search page. For new websites, this can be the biggest error, because of their low rank compare to most of their competitors, they will probably not get much traffic from these keywords anyway.
You agree that any intermediary bank or beneficiary bank that assists in the processing of your payment order may charge a fee for processing your order.  Bank has no control over these fees and is not responsible for these fees.  These fees may be deducted by the intermediary bank or beneficiary bank from the amount to be credited to the beneficiary of your Transfer or, in the case of Transfers into Bank, deducted from the amount sent to you.

Pushing down a high-authority website from the top ten search results is next to impossible, especially if you are trying to promote a relatively low-authority site. If you see a high number of authoritative sites, it is better to change your focus keyword. As there were almost no authoritative sites for our focus keyword, we decided to go ahead with it.
Merch by Amazon is another service offered by Amazon that will enable you to make money online without any initial outlay. To get started you need to create an account with Merch by Amazon. Then simply design some T-shirt logos or slogans, and upload them to your Merch account. You will need to choose a T-shirt type, color, and price, and Amazon will create product pages for each T-shirt. When someone makes a purchase, Amazon takes care of production and shipping. And you are paid a royalty for your design.

Guest blogging is a great way of attracting new traffic, not only from the direct traffic you’ll receive via the “call to action”, but also the increase in organic traffic. Guest blogging leads to an improved backlink portfolio as you receive links from related reputable sites. Each of these backlinks count as a “vote” for your site leading to higher search engines results page (SERP’s) rankings.

You may have heard of payday loans referred to as cash advances; they’re the same thing. If you are in need of quick cash, a payday loan may be the temporary financial fix for you. Remember, payday loans give access to fast cash, but the turnaround to pay back in full is usually around the time that you’ll receive your next pay check. With a payday loan from Speedy Cash, you will be repaying the principal loan amount plus finance fees.

Build your audience on a course community: If you’re just getting started building an audience for yourself and want to leverage communities already actively looking for content you can choose to host and sell your online course on a site like Skillshare or Udemy. These are easy, cost-effective ways to build an audience and test your niche to see if there’s demand for it.
Keep in mind though, you don’t need a website to do sponsored content since you can also get paid if you have a lot of social media followers. My wife has a pretty big Instagram following, and she gets all kinds of sponsorships. Not only does she get paid in cash, but we get a lot of free stuff, too. We’ve received free rugs, free lights, and free carpet cleaners. She only promotes things she loves though, so this strategy works really well for her.
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