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October 17, 2017

Notary Public 101 from 123notary!

It has come to my attention that most Notaries are unaware of the existence of Notary Acts above and beyond simple Acknowledgments and Jurats. Being aware of unawareness. Kind of a wash? Additionally, the vast majority of Notaries draw a blank when I ask them the rules for Acknowledgments and Jurats. I was hoping for a blank check but no such luck. I did not know how bad the level of ignorance is. I was ignorant about the ignorance. But, now that I acknowledge my ignorance, I am writing this tutorial. It is mandatory that you understand basic Notary acts if you are to be listed on 123notary, and we WILL test you on it and you will be regarded as a “Fake Notary” if you don’t know your basics when I drain the notarial swamp so to speak. Fake news. Fake notaries!

This Notary course is for those who are already Notaries who need a brush up on the most critical aspects of the profession. This is not a how-to course for beginners.

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TABLE OF CONTENTS

Basic Notary Vocabulary — http://blog.123notary.com/?p=19495

Basic Notary Acts — http://blog.123notary.com/?p=19500

Journals — http://blog.123notary.com/?p=19511

Identification — http://blog.123notary.com/?p=19507

Certificates — http://blog.123notary.com/?p=19502

POA & Other Topics — http://blog.123notary.com/?p=19517

Quiz Questions — http://blog.123notary.com/?p=19520

Review Pointers — http://blog.123notary.com/?p=19679

Real Life Scenarios — http://blog.123notary.com/?p=19681

Quick Info on Loan Docs — http://blog.123notary.com/?p=19946

The 30 Point Loan Signing Course — http://blog.123notary.com/?p=14233

The 123notary Elite Certification Study Guide — http://blog.123notary.com/?p=20118

The 123notary 2018 Certification Standards — http://blog.123notary.com/?p=20120

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Thank you for studying from our course. We hold Notaries advertising with 123notary responsible to score at least 70% if we ask them random Notary questions by phone.

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September 27, 2014

2014 Absolute BEST signing services

Here are the absolute best signing companies out there. We are publishing a shorter list every month with good signing companies. But, this list is for an even higher cut of companies!

A-1 Title Professional Services
http://www.123notary.com/signco-idv.asp?sid=914&A%2D1+Title+Professional+Services

AMC Settlement Service
http://www.123notary.com/signco-idv.asp?sid=148&AMC+Settlement+Service

Angi Notary Signing Services
http://www.123notary.com/signco-idv.asp?sid=341&Angi+Notary+Signing+Services

ASAP Pro Notary Services
http://www.123notary.com/signco-idv.asp?sid=31&ASAP+Pro+Notary+Services

ASAP Signing Services
http://www.123notary.com/signco-idv.asp?sid=111&ASAP+Signing+Services%2C+Inc

Bankserve
http://www.123notary.com/signco-idv.asp?sid=104&Bancserv

Concierge Notary
http://www.123notary.com/signco-idv.asp?sid=1027&Concierge+Notary%2C+Inc%2E

Door to Door
http://www.123notary.com/signco-idv.asp?sid=933&Door+to+Door+Documents

Express Signatures
http://www.123notary.com/signco-idv.asp?sid=130&Express+Signatures+%28+CA+%29

Forseti Real Estate Services
http://www.123notary.com/signco-idv.asp?sid=1029&Forseti+Real+Estate+Services

Homefront Escrow
http://www.123notary.com/signco-idv.asp?sid=977&Homefront+Escrow%2C+Inc

Inscribing Pursuits
http://www.123notary.com/signco-idv.asp?sid=6&Inscribing+Pursuits+Document+Service

JMT
http://www.123notary.com/signco-idv.asp?sid=313&JMT

Kelley’s Mobile Notary
http://www.123notary.com/signco-idv.asp?sid=1083&Kelley%27s+Mobile+Notary

Lewis Notary Service
http://www.123notary.com/signco-idv.asp?sid=865&Lewis+Notary+Service#sthash.uSjP8lOc.dpuf

LSI
http://www.123notary.com/signco-idv.asp?sid=125&LSI+%2D+A+Fidelity+National+Information+Services+Company

Meymax Title
http://www.123notary.com/signco-idv.asp?sid=309&MeyMax+Title+Agency+of+Ohio+LLC#sthash.D7r6nV7t.dpuf

National Paralegal Network
http://www.123notary.com/signco-idv.asp?sid=1099&National+Paralegal+Network

Now Closings
http://www.123notary.com/signco-idv.asp?sid=200&NOWclosings%2Ecom

Performance Title
http://www.123notary.com/signco-idv.asp?sid=39&Performance+Title

Preferred Notary Network
http://www.123notary.com/signco-idv.asp?sid=897&Preferred+Notary+Network

Premier Lender Services
http://www.123notary.com/signco-idv.asp?sid=912&Premier+Lender+Services

Right Now Notary
http://www.123notary.com/signco-idv.asp?sid=1086&Right+Now+Notary

Safe Signings
http://www.123notary.com/signco-idv.asp?sid=840&Safe+Signings

The Doc Signers
http://www.123notary.com/signco-idv.asp?sid=949&The+Doc+Signers

Timios Title
http://www.123notary.com/signco-idv.asp?sid=864&Timios+Title

Title Source
http://www.123notary.com/signco-idv.asp?sid=610&Title+Source

TMR Notary
http://www.123notary.com/signco-idv.asp?sid=969&TMR+Notary

UST Global
http://www.123notary.com/signco-idv.asp?sid=769&UST+Global

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You might also like:

The Notary, The Mafia & The Fedex Drop Box
http://blog.123notary.com/?p=6867

Companies that will hire NEW signing agents!
http://blog.123notary.com/?p=7059

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September 1, 2014

$30 loan signings. Is it worth it even in the best of circumstances?

Believe it or not, there are companies out there offering signings for $30 and $35. Can you believe this? The nerve of some people to offer a notary such a small amount of money for such a huge headache. Even if you are signing only one document, the headache of trying to send documents back, invoice, get paid, and schedule is simply not worth it.

I remember that when I was a notary I did an assignment for $30. It was a single document. I actually got a few assignments like this. When I did regular mobile notary work for offices, I would charge about $35, but they would pay me cash on the spot. There was no waiting for payment or wondering if I would get paid. It was immediate gratification.

Back when I was first starting out in 1999, Nation’s Direct gave me signings for $30. But, I was not expected to walk the borrowers through the loan. One of their staff members did it over the phone. All I had to do was notarize a few signatures and wait for their phone call to end. It was not the best pay, but this is how I got started in the business, so I don’t regret it. But, if I was offered this type of pay now, I would have a fit!

Even if a $30 signing is within a mile and is only a single document, is it worth it? Maybe if you are really hungry. Maybe it is better than not getting any offers at all, but most notaries would rather that the phone just doesn’t ring.

Tweets:
(1) Believe it or not, there are companies out there offering signings for $30!
(2) The nerve of people to offer a notary $30 for a signing!
(3) Most notaries would rather that the phone just didn’t ring

You might also like:

Signing services take a proportion of the notary fee
http://blog.123notary.com/?p=9315

$14 more per signing
http://blog.123notary.com/?p=20772

$300 in 13 minutes – how Carmen cleans up in the Notary business
http://blog.123notary.com/?p=19284

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August 24, 2014

New Notary Apps that you really need!

The entire world has gone app crazy in the last few years. Personally, I use GPS, and my alarm clock. That’s about it for me in terms of apps. But, what types of apps might notaries need to stay ahead?

(1) Look up signing company reviews.
123notary already has this for i-phones. It is a page, not an app, but what is the difference right?
www.123notary.com/s

(2) Find a cheap gas station
Google already does this. Just visit www.google.com and look up “cheap gas” or “gas prices” and then add your zip code. Or enter your city name and gas prices for a better selection if you live in a big city.
You can also use gasbuddy.com

(3) Billing applications?
Very few notaries use sophisticated technology to know who owes them what and for how long. But, there are companies out there who have billing applications that you can see at a glance who owes you what and who to invoice. Is it worth it? You tell us!

(4) Road condition apps.
There are GPS systems that tell you which route to your destination is faster under current situations. Such technology has cleaned up traffic congestion in many cities around the world. If you have technology that tells you how to avoid traffic, you could save an hour per day every day! That would be worth paying a bundle.

(5) Translation apps (risky)
The notary is supposed to be skilled in whatever language they use at a signing. If you look up words in an application, you might screw up and the signer might understand you incorrectly or not at all. Words sometimes have multiple translations. “Do you swear to tell the truth” could translate into “Will you marry me” if you miss a subtle nuance in certain languages. But, for those who are app crazy, you are apt to get one anyway. So, go for it! SayHi Translate can do this by the way!

(6) Mileage log apps for the IRS
The IRS may request to see your trip logs. If it is digital, that might be good, unless it is hard to download, print, or gets accidentally compromised. But, paper records can get lost too, so which way is safer? You can keep track of your miles using your i-phone if you have an app for that. I don’t know of any app like that, but they probably exist as probably 50 million Americans deduct mileage for one reason or another.

(7) eJournal applications?
These exist. You need to be an eNotary to use one. Out of 7000 notaries on our site, I’m sure there are a good three or four of you who are commissioned eNotaries.

(8) iSchedule
You guessed it. This app will manage your busy schedule. You can input all your appointments with this app and all is well until you go into a dead zone or run out of battery.

(9) TurboScan
Quickly scan multipage documents into high-quality PDF’s. Wow! Sounds like a winner for companies who want fax-backs.

(10) Documents Free (Mobile Office Suite)
Not sure what this does, but you can read up on it.

(11) Contacts <-> Excel
I think we all know what this is for.

(12) UPS Mobile
Ship your packages using your i-phone, and hopefully a UPS box. You might need a printer too.

And last but not least… (and appropriately numbered)

(13) Ghost Hunters Haunted House Finder
Find a haunted house near you. Or use it to look up your signings. If one of your signings is in an officially haunted house, suggest that you all meet at Starbucks. Use your Starbucks finder app to get there!

(14) Page Separator Pro
Split those legal and letter sized pieces of paper. Even some dual tray printers don’t have the ability to figure out which tray prints what, and why…

You might also like:

Choosing a name for your business license
http://blog.123notary.com/?p=7103

A Notary orders pizza using an app during a signing
http://blog.123notary.com/?p=19292

Notarize app turns your phone into a medium to get notarized
http://blog.123notary.com/?p=19186

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October 26, 2013

How to Notarize a Copy of a Passport

Notarize a copy of a passport

There is always some confusion about the legality of copying and notarizing official documents. You cannot notarize a birth certificate, marriage or death certificate. There is no official certification procedure for getting a certified copy of a passport. California notaries can make a certified copy of a power of attorney, but that is the only type of document that you can get a certified copy of. So, what type of notary act can you do to notarize that copy of your passport?

There is a notary act called a copy certfication by document custodian. This is basically a Jurat with some unique wording. It makes the sign swear under oath to the accuracy and completeness of the copy. It is common for students to have copies of transcripts notarized using this procedure. I used the copy certification by document custodian form regularly when I was a notary since it was the only way to accommodate requests for copies.

Many notaries do not carry the form for the certification by document custodian Jurat procedure, so if you need this done, figure out ahead of time whether or not the Notary has the forms that are acceptable to whomever you are submitting your document to as they are the boss in a sense.

You might also like:

Notarize copies of passports (Forum)
http://www.123notary.com/forum/topic.asp?TOPIC_ID=1904

Can a resident alien card be used for a notarization?
http://blog.123notary.com/?p=8282

A California Notary Acknowledgment goes to Taiwan
http://blog.123notary.com/?p=6981

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September 21, 2013

$10,000 per month on a bad month

I just got off the phone with a notary who is doing really well who advertises on our site. Business has been better for most notaries recently, but not as good as for this husband and wife team. I will not mention their names or locations to protect their identity.

I talked to them about their renewal. Since our prices can go up or down for a particular position at any point in time, some notaries complain about their new price. If the price goes up, they argue and try to reason with me about how it was less last year. If the price goes down, then they think I was cheating them last year. Either way they get upset and criticize me.

This husband and wife team had a different approach. He said something to the tune of — You doubled my rate, but that is okay! Your site is amazing. We get almost all of our business from your site. I don’t know how you do it. We are making more than $10,000 a month in our notary business.

I was flabbergasted. I had heard the story of the new notary company making $35,000 per month which was an amazing story. But, now another notary making six digits. Unbelievable! So, my faith is renewed in a mobile notary public’s ability to make the type of living that makes other people drool.

Please take this blog entry as an opportunity to take a leap in faith that YOU can make six digits in your notary business. Yes, you have to do everything right, but you can do a bang up job, right?

You might also like:

A detailed look at the Ninja Course
http://blog.123notary.com/?p=4621

An easy way to make $4000 more per year
http://blog.123notary.com/?p=14162

From 3 jobs per week to 3 jobs per day!
http://blog.123notary.com/?p=3940

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September 7, 2013

Companies that will hire NEW signers!

Here are some companies that typically hire new notaries. As a new notary, your primary responsibility to yourself is to get some experience under your belt. Don’t be too picky about how much you get paid or how pleasant it is to work for some of these companies. The outfits that typically will hire newbies low-ball, require fax-backs, and micromanage you to the point of exasperation. But, tolerate this, because that is how you pay your dues and get your experience. Once you have 1000 signings under your belt, the higher paying Title companies will start to notice you a lot more.

Companies that hire new signing agents:

Countrywide
http://www.123notary.com/signco-idv.asp?sid=155&Countrywide+Home+Loans+%2F+Full+Spectrum

Express Notary
http://www.123notary.com/signco-idv.asp?sid=1066&Express+Notary

FASS
http://www.123notary.com/signco-idv.asp?sid=725&First+American+Signature+Services

Firma Signing Solutions
http://www.123notary.com/signco-idv.asp?sid=786&Firma+Signing+Solutions

Global Notary
http://www.123notary.com/signco-idv.asp?sid=762&Global+Notary

HVR Notaries
http://www.123notary.com/signco-idv.asp?sid=849&HVR+Mobile+Notaries
Loan-Closers.com

Mortgage Connect
http://www.123notary.com/signco-idv.asp?sid=814&Mortgage+Connect

Nations Direct
http://www.123notary.com/signco-idv.asp?sid=101&Nations+Direct

New Milleneum
http://www.123notary.com/signco-idv.asp?sid=834&New+Millennium+Title+Group

Notary Direct
http://www.123notary.com/signco-idv.asp?sid=113&Notary+Direct

Signature Line
http://www.123notary.com/signco-idv.asp?sid=855&Signature+Line+Closing+Services

Skye Closings
http://www.123notary.com/signco-idv.asp?sid=798&Skye+Closings

The Closer, LLC
http://www.123notary.com/signco-idv.asp?sid=973&The+Closer%2C+LLC

Vital Signings
http://www.123notary.com/signco-idv.asp?sid=85&Vital+Signing

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Tweets:
(1) As a new notary, your primary responsibility to yourself is to get some experience under your belt.
(2) Outfits that typically hire newbies low-ball & micromanage u until u get enough experience to attract higher paying co’s.

You might also like:

Read about low-ball signing companies
http://blog.123notary.com/?p=745

Read about fax-backs
http://blog.123notary.com/?tag=fax-backs

Best signing companies
http://blog.123notary.com/?tag=best

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July 3, 2013

How to get something notarized if you don’t have ID

If you don’t have ID, many states allow the use of credible witnesses. Two people could identify you before a notary public, sign the notary’s journal, and produce identification themselves.

But, honestly, if you need to get notarized, go down to your DMV and get a state issued identification card. You need it to go to a hotel, rent a car, get notarized, and more. You might need a copy of your birth certificate to get your ID. So, be prepared to figure out how to get your birth certificate. Don’t waste time. It is a hassle when notaries have to deal with clients who don’t have proper identification.

Personally, I have notarized many people. Some lived in bad areas where they got mugged, and the mugger took their identification. Others were old and had expired identification. Get with the program and get your identification ready.

It is sometimes hard or impossible to get something notarized if you don’t have current government issued identification.

Some states will allow the notary to notarize you if they know you well as being “personally known” to the Notary could constitute identification. Most states used to have that law because in the old days people tended to know people in their area quite well. But, most states have changed their laws, and no longer allow the notary to claim to know you as a form of identification.

Now you know how to get something notarized if you don’t have ID.

You might also like:

Show me your identification
http://blog.123notary.com/?p=6353

Identification requirements for being notarized
http://blog.123notary.com/?p=4299

Signature Name Affidavit: Not a substitute for an ID
http://blog.123notary.com/?p=3823

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March 19, 2013

How to write a notes section if you have no experience

People ask us this question every day. What do I put in my notes section if I have no experience. So many notaries leave their notes blank. Nobody will hire you if you leave your notes unfilled. If you don’t have any experience, there are still many things to write about.

You can write about what types of notarizations you are willing to do. Be specific — readers love specifics. You can also write about what you used to do. Readers love to get to know you by reading your notes. The more they say, the more they like you.

Here are some examples.

(1) Someone with no experience
I am available to perform any type of notarization for any type of document or loan signing. Deeds, Affidavits, Contracts, Refinances, or any other type of loan or document is fine. I provide service from 9am to 9pm six days a week. I’m fluent in Malay & English. Call any time!

My professional background is very varied. I worked in a Mortgage company for five years, but was an assistant to a well known comedian before that. I also worked in Real Estate for three years. I have a BS in Chemistry. I also play the violin and flute (No, not at the same time).

(2) Someone with a dozen loans signed
I have signed many refinances, and a few reverse mortgages. I am happy to assist you with any type of loan or document signing 24 hours a day! Just give me a call and let’s get started.

I have 30 years of experience working in an insurance company. I have a Masters degree in photosynthesis.

Call me today!

(3) Someone with notary experience, but no loan experience
I have been a notary for 12 years and have completed hundreds of document signings for a wide range of clients. I have signed Deeds of Trust, Grant Deeds, Warranty Deeds, Powers of Attorney, Wills, Affidavits, Contracts, Permission for minors to travel, Affidavits of domicile, and many other documents. Call me any time for a loan or document signing.

I am a real go-getter, and a hard worker. I put in that extra effort to get the job done right. I also help the clients understand the notarization process and what their options are. Legally, I can not decide what type of notarization to offer, but I educate the signers as to what the different types of notarizations mean, and how they are most frequently used.

I used to work as a stockbroker at Tuna, Jones & Barney for three decades. I have an MBA in Marketing

——————————

We are trying to train the notaries to put their selling features at the top of the notes. Selling features are any facts that make you stand out such as experience, or familiarity with certain types of documents or loans. Or, a selling feature could be a smoothly written line about who you are as a person that makes you stand out in a nice way. Detailed personality descriptions should go in the 2nd paragraph as a rule. If you want to talk about your professional background before you were a notary, please put that at the bottom. So many notaries put their real estate or insurance information at the top of their notes, and it simply counts against them as the clients are more interested in reading about their notary skills, since they want to hire the notary to do notary work — not real estate work!

Twitter:
(1) Write about what types of loans & docs ur familiar with & what you did for a living before you were a notary.
(2) What are your selling features as a notary & how do you communicate them in your notes?
(3) Notaries who get ahead put hard information in their notes, not bragging or unverifiable claims.

You might also like:

What goes where in your notes section?
http://blog.123notary.com/?p=1076

How many types of financial packages do you mention in your notes?
http://blog.123notary.com/?p=19997

Notary Marketing 102 – What goes in the top of your notes?
http://blog.123notary.com/?p=19750

Crayons and dog treats at the signing
http://blog.123notary.com/?p=4132

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May 8, 2012

California notaries with complaints

Notary Public California – complaints against local notaries 

It is easy to hire a notary public in California that you found online. But, how do you know they are reputable, or any good?  You don’t.  You take your chances. However, some notaries on 123notary.com have reviews about them.  You can read who has good reviews or bad reviews.  It is not always safe picking a random notary. As far as horror cases go, we have only had a handful of serious nightmarish notaries over the last decade, and we remove them once we have determined that they are a source of endless trouble!
 
The Kinko’s story
We had a California notary public fail to print out documents and have the borrower’s pick her up, drive her to Kinko’s where she could print the documents and then driver her to their home.  Borrowers are not chauffers, and this notary got dropped off once the borrowers got a hold of the lender.  A year later — the drama continues.  The California notary public in question is operating under a business name, and hiring other notaries to do tasks for her such as obtaining apostilles in Sacramento.  The problem is, that when checks come, they all have an elastic characteristic.  Notaries have complained on the forum about this company several times, and this particular California notary is one of the worst notary nightmares we have ever experienced and goes down in history as a legend.
 
Stories of notaries that fail and what they did wrong – http://blog.123notary.com/?p=143
 
Affordable Notary Service – http://www.123notary.com/forum/topic.asp?TOPIC_ID=4880
 
24 hour service?
Another California notary public advertised 24 hour service.  An individual calls them at 6am with an emergency.  The notary hangs up on the individual claiming that it is “too early”.  If you are not offering 24 hour service, don’t CLAIM that you do.  It is a requirement that if you want the 24 hour icon, you have to be willing to answer the phone after midnight whether you feel like it or not.
 
The white out story
A notary in California goes to a signing. She forgets to have the wife sign the Mortgage (oops), and then uses white out to change some information in the loan documents.  The worst possible thing you can do during a loan signing is to use white out which voids the usability of the document.  It gets better — then, the notary blames the Title company for not hilighting the signature areas in the documents where the wife was supposed to sign.  When she was requested to return to the borrower’s house to finish the incomplete signing, the notary recommended that they find someone else.  The notary replied to this complaint against her by stating that she used the mother-in-law as a required witness to the signing. Then, the Title company asked her to use someone else at which point she used white out to remove the mother-in-law’s signature and go and get a neighbor. 
 
123notary’s opinion: There is no crime in having an additional witness.  The problem is using white out, and cross outs also look unprofessional in a loan signing and can cause a loan not to fund. Additionally, a witness should be a party who doesn’t have a beneficial interest in the transaction — they should be uninvolved like a neighbor or stranger.
 
The four hour rule
Another California notary accepts a job for a signing.  Then she cancels at the last minute because she learns that the company who hired her doesn’t pay their bills.  There were a few forum posts about the company stating that the company didn’t pay their notaries.  In any case, the notary could have researched the company simultaneously while talking to them by using www.123notary.com/s and would have learned that they didn’t pay BEFORE accepting a job from them. Or, the notary could have researched them soon after the phone call and then cancelled.  The last minute cancellations cause a lot of grief to many parties and are not acceptable. The Lender emails me stating that the notary cancelled 2 hours after the signing and said that she was, “not able to help”.  Then, the notary replies to me stating that she EMAILED the borrower 45 minutes before the signing (that is considerably sooner than 2 hours after like the lender stated).  The notary claimed they called the borrowers but couldn’t get an answer or a voice mail. I’m not sure I believe all of this story, do you?  How many people do you know who don’t have an answering machine or a disfunctional one?  I think that the notary should have given four hours notice in a case like this and should have kept trying the borrowers every 30 minutes until she got them. You can’t just leave people high and dry!

Tweets:
(1) A notary had the borrowers pick her up, take her to Kinkos where she printed the docs & made them pay for it!
(2) 1 Notary claimed 24 hour service & hung up on a client who called at 6am saying it was “too early”
(3) The Notary forgot that the wife had to sign & then used white out to modify the documents!
(4) A Notary accepted a job, then cancelled right before the signing when she learned the signing co. had a bad payment record.

You might also like:

Penalties for Notary misconduct and fraud
http://blog.123notary.com/?p=21315

Common complaints we get about notaries
http://blog.123notary.com/?p=19399

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