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January 13, 2011

The journals with check boxes? What does Jeremy say?

Filed under: Journals — admin @ 11:27 pm

Don’t use it!
Any time you check a box rather than writing something in by hand, you are risking making a mistake. You are dealing with legal documents here. Being a Notary is not the same as working for the circus. The consequences for a mistake could end you up in court.

Additionally, many document names have variations. If you check the box for an Errors and Omissions document where the real name is Errors and Omissions Compliance Agreement, you did not reference the correct document.

The more serious problem with check boxes is that many Notaries feel that the laws affecting proper journal filling procedure suddently change the minute you use the check box journal. Many Notaries feel you no longer have to obey the one document per entry law or principle. Not true! The principle is still the same. The signer or borrower has to sign for each journal entry and for each document in a separate journal entry — no exceptions and don’t cry about how much longer it will take you. You are Notaries, not clowns!

My suggestion is to use the regular NNA soft cover Official Journal of Notarial Acts. It is good for any type of Notary act, has room for a thumbprint, notes about the signer, room for credible witnesses, etc. It was all I ever needed and I went through about six dozen in my career.

I first saw a real journal with check boxes recently when Carmen showed me hers. She fills hers out by hand instead of checking boxes by the way (which is correct). However, the journal doesn’t mention that many choices of documents (only about 18) so if yours is a variation on a name of a document or not on the list you still need to write it by hand. The check boxes only encourage bad bookkeeping. So, no more check boxes. We don’t like it. It is not professional, safe or a good practice!

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Notary Public 101 – Journals
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Do Notary Journals need to be kept under lock and key?
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What are Jeremy’s favorite blog entries?
http://blog.123notary.com/?p=18837

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Wheel of Fortune – Notary Edition

WHEEL OF FORTUNE – Notary Edition

Pat: Let’s say hello to our contestants. Joe here is a notary public from Commishigan. Sounds like fascinating work, Joe.

Joe: More than hosting a glorified “Hangman” for over thirty years.

Pat: Ouch. You got me there, Joe. And hello to Marie. It says you are a notary public from Seal Beach. “Seal”. Makes sense. Okay, the puzzle is a 17 letter word. You won the coin toss, Marie. Take a spin.

Marie: Big money! Big money!

Pat: Well, if you’re looking for big money, you picked the wrong profession.

Marie: Cheap shot, Pat.

Pat: Speaking of cheap – $200.

Marie: Any S’s?

Pat: Three S’s. Go again.

Marie: Big money! Big money!

Pat: $450

Marie: X?

Pat: No X’s. Unless you’re signing a document that way. Joe, your turn.

Joe: Big money! Big money!

Pat: $1000!

Joe: Any R’s?

Pat: Two R’s.

Joe: I’d like to solve the puzzle, Pat. I mean the one besides how it is Vanna White still has a job.

Pat: That puzzle we’ll never solve.

Joe: “Errors and Emission”.

Pat: Speaking of errors, you just made one, yourself there, Joe. Marie, a break for you.

Marie: I’d like to buy a vowel, Pat. Are there any O’s?

Pat: Three O’s.

Marie: I’d like to solve the puzzle. “Errors and Omission”.

Pat: As in the insurance policy that protects notaries liable for honest mistakes. Joe, too bad you didn’t have it when you made your honest mistake a minute ago.

Joe: Good thing a credible witness didn’t see me make it. Unless you call Vanna “credible.”

Pat: If it involves signaling things with her hands, I do. Especially the profane gesture she’s using right now!

.

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January 11, 2011

Names for Notaries to name their children

Filed under: Humorous Posts — Tags: — admin @ 11:31 am

We think of Notary work as something that we just do. But, what if we encourage our children to become Notaries? It might help if they had a Notarial sounding name to do well in the industry. Here are my ideas.

Sealmore
Venuetta
Juratella
Stampella
Enenay
Affi-David — you can name his brother Affi-Goliath
Rescinda / Rescindo
Stamper
Affirma — sounds like a health product or hair care.
Embosston — sounds more like a city.
S. Crow
S.S. — comes next to the venue.
Oatha
HUD-son
Journal — keep it simple
Signarturo
Notario — just don’t use this name in Texas without a disclaimer.
Durresto
Witnessino
Ginnie Mae
Hague
Heloc
Lockworth
Manual(a)
Non-conformito
Paula Ursula Davenport — initials would be PUD.
Respa
Rider
Ferdinand Harry Armstrong — initials would be FHA.
A. Paul Steele

Feel free to leave your comments if you have any other ideas.

.

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Names for notary businesses with commentary
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Deceptive identities – companies that change their names
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Scribbles: A Notary Comedy Club

Improv; or could be like a class; hecklers

HOST: To get a spot at the Notary comedy club you have to sign up to do a spot and have a Notary witness your signature!

JOHNNIE: Well, do you have a witness protection program?

SALLY: Why, did you witness the wrong Will and get into trouble?

JOHNNIE: I was just thinking. What if an evil son of a Billionaire, had an older guy forge the signature of his father at a Will signing, and you were the witness? You might be oblivious to the entire situation until the rest of the family comes after you. Then, you’ll need a witness protection program.

SALLY: Oh, so you’re not joking. I thought this was a comedy club!

HECKLER: That’s not funny, you should be entered into the witless protection program.

HOST: Welcome to Scribbles, how’s everyone doing? I can attest to the fact that you are going to have a great time tonight, but don’t make me swear under Oath by it. At Scribbles, you won’t see us kill a joke, but we will execute a document! This next performer has won approval in Notary comedy clubs across the country.

SALLY: Hi, my name is Sally. I am proud to say that I come pre-approved, but they claim that they still need to run my credit. And I pre-disapprove of that. I strongly believe in the concept of joke recycling. You know, my seal doesn’t have an expiration date, it just says, “better if used by Feb 17th, 2014.”

HECKLER: Hey I heard that before!

SALLY: Yes, that is because I recycled that joke. I think it’s such a shame to let a perfectly good joke end up in the trash when you could recycle or reuse it. That makes such a difference for the environment, at least in comedic circles. There’s just one thing. How come nobody recycles my jokes?

HECKLER: Because your jokes aren’t funny!

JAKE: Hi, I’m Jake. I’m also a Notarial comic. Hey you in the front.

GUY IN FRONT: Who me?

JAKE: Yeah you! Is that an Affidavit in your pocket or are you just happy to see me?

GUY IN FRONT: It must be an Affidavit because I’m not happy to see you!

JAKE: Hey, I’m not exactly doing cartwheels looking at your ugly face either, buddy! Speaking of barely credible witnesses, I had a signing company tell me that they would be paying me on Tuesday the 29th. Unfortunately, when I looked at my calendar this year, there is no February 29th.

This a great crowd! So, has anyone done any good Oaths recently?

GUY IN FRONT: Funny you should mention that.

HECKLER: That’s the first time he was funny all night!

GUY IN FRONT: I have a lot of Vietnamese clients. You know if you have a guy name Tan, you can say Tan the man. But, I recently had a client named Tran the Dan/Ann who was swearing that he was a man.

HECKLER: Well, I bet Tran was happy to see you.

HOST: It’s time for our next Notary who will think he’s not getting any respect unless you fulfill your 2 drink minimum.

RODNEY: You know, I think you should change that to a two Jurat minimum. A Jurat sounds a lot more credible than a drink, plus you can’t spill it no matter how hard you try. I just went to a Notary comedy club where they don’t charge a fixed fee at the door, but they charge by the laugh. $2 per laugh with a five laugh minimum. Putting laugh minimums aside, I just did a Notary act that didn’t get me any respect. No respect at all! An 80 year old woman asked me to do a Deed… It was the dirty Deed!

AUDIENCE: Ewwwww!

RODNEY: I just did a loan signing that doesn’t get me any respect. The credible witnesses didn’t look believable, the signer was two hours late, and the hostess didn’t offer me any cool-aid. Then the signer’s kid told me he couldn’t wait until my commission expired. What a family! No respect. No respect at all!

My wife’s idea of a civil action is telling me that I’m only “kind of” ugly!

I had to put my last property into Escrow. It wasn’t until the next day that Title’s in my wife’s name… as she calls herself, my much better half. And all these years I thought she had Subpoena envy.

HOST: Thanks a bunch. You’ve been a great crowd. Next week, make sure to attend our all you can laugh comedy buffet.

.

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Notaries in Cuba — the clock stops in this comedy
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Jeremy’s bucket list
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January 10, 2011

Russian notary Hacks Hillary’s Emails!

Filed under: Andy Cowan — admin @ 6:13 am

FBI director Comey thinks the Russians may have hacked Hilary Clinton’s emails. (And that’s pronounced “Comey,” not “commie.”) And it could very well be a Russian notary! Then again, it might not be a Russian notary. Or it might be somebody who wants you to think he’s a Russian notary. And these could be duplicates of emails Comey has already seen. Comey is sure of one thing. That he’s not sure of this one thing.

Nevertheless, speculation continues that a Soviet notary public has hacked into Clinton’s most sensitive emails. How do we know they’re sensitive? The smiley faces aren’t quite smiling. More like biting their tongues.

Since some of the emails were duplicates, the notary wanted to charge extra for duplicates. (A buck’s a buck, or as the Russian notary put it, a ruble’s a ruble.) But the government refused to pay more, so the notary suggested a nice game of Russian roulette instead. And being a gentleman, he’d let the government “go” first. The notary lived to complain in the 123Notary form about not being paid enough.

A sign it could be a notary who did the hacking: They fixated on one of the terms in one of the emails, “executor,” a person in charge of carrying out the provisions of a will. One sign it could be a Russian notary approved by Putin: Their fixation on “executor” as it relates to a person in charge of causing another person to need a will… namely, the person who executes the other person! Let’s not forget Putin was former member of the KGB.

Hillary’s emails were found on a computer used by her assistant, Huma Abedin, and notorious sexter, Anthony Weiner. The same computer on which Weiner wrote about his no longer private parts to various women. In one email, the Russian notary validated they were indeed Weiner’s private parts, and that he was of full age and capacity to perform as a sleaze by stamping it with his seal of disapproval.

Other classified emails of Hillary’s the Russian notary is interested in… when she accused Trump of being a puppet for Putin. The notary asked which kind of puppet she accused Trump of being, a hand puppet, or marionette? If the latter, the notary wondered why Hillary wouldn’t thereby feel a kinship with the Donald since there are always strings attached with Hillary as well, something the notary had acknowledged in an acknowledgment certificate.

If Hillary becomes president, instead of the Chief Justice witnessing her taking the oath of office, the Russian notary asked why not a professional? Namely, a notary? Plus he’d be able to witness her signature on her first veto – when Republicans in Congress vote to make America grating again.

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Trump in North Korea
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Welcome to the Notary Casino

Welcome to the Notary Casino, where your dreams and ours come true!

Your dream is to have fun, and we will fulfill that fantasy. Our dream is to get you to lose most of your money in the slot machines, and it looks like we are well on our way to that dream.

Spin the embosser! Oh, it landed on a 7. You win… this time.
You win twenty embossed chips! And chips on your shoulder after you lose them later on gambling them away.

Now, it’s time to celebrate in our buffet. The noodles are in the shape of chips. If you want more, just say, “Hit me.” (If you’re into pain, you can also say “Hit me.”) Enjoy our ice sculpture in the shape of a witness.

Instead of pounding steaks, we emboss them in a giant embosser. Additionally, in the seafood section we sell real seal meat sushi and Angus beef. If you want the certified Angus beef, ask for a complimentary Notary. Additionally, if you get in an argument with your husband, you can make him eat his words after you spell them with our letter shaped noodles! The catch at the Notary Buffet is that you have to make a Notarized pledge under Oath that you will finish what’s on your plate. Either that or put the rest in escrow.

There’ll be entertainers and impersonators. Don’t expect to know who they’re pretending to be – We don’t get top drawer entertainment. But as Notaries, you’ll be able to check their ID to learn their actual identities.

Now, time for the slot machines. If you get three oranges, you win one chip. If you get three witnesses, you win ten chips. If you get three embossers, you win the jackpot! We can attest to that.

All we ask is that you personally appear before the slot machines — it’s a legal thing…

.

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January 8, 2011

Good ID is not Enough

It’s a sad notary who is writing this installment. I write this in the evening after the culmination of a series of events. My tale will be familiar to many, especially those with years of experience. It started out as a routine request to notarize a Power of Attorney, then the Agent would sign two additional forms using their Powerof Attorney authority. The assignment was from a lost funds recovery agency. The three short documents were emailed to me; and my fee was coming as a check; mailed the same day.

Delays developed into two weeks, presumably, I did not verify; the check cleared long prior to the start of the assignment. As to the assignment: An elderly lady was in a convalescent home, she was to give her son Power of Attorney to dispose of some assets. Immediately my antenna went up. Hospital environments are challenging, seeing proper ID often a major problem. He also assured me that she was rational and able to understand the document she was to sign. The son related that she did not have “Govt issued Photo ID” but a collection of documents that should suffice. We discussed this issue at length. I have wide latitude in what constitutes proper ID in NY State. The rule here is that the notary is required to view “adequate proof”. That’s it. No further guidelines.

The son could produce several original (not photocopies) documents that only a family member would have access to. The sticking point was the aspect of photo ID. Finally, a breakthrough; the facility had in the patient folder an admission picture, and were willing to give me a copy (to be returned with other photocopies of original documents. It was not the best ID situation, but the lady had been in the home for over a decade, and the assets were recently discovered.

I know, I’m letting the son’s “story” influence my “is it good enough” decision. There were other positive aspects of her identification that I will not disclose. Suffice to say, I informed the son that strict adherence to gathering her ID was essential. Looking at the notary section of her Power of Attorney, I noticed that “produced a driver license as identification” was preprinted. I could not edit the file as the PDF was from a scan. I had the attorney send me an editable file and changed that line to mention by name each of the ID components that I planned to accept. A quick scan and I proceeded to send the scan to the attorney for approval. Approval granted.

The next hurdle was witnesses. I could be one of them. The son said he would “draft” a nurse to be the second witness. Been there, suffered that. Many is the facility that I have visited that do not allow staff to sign anything. The son insisted they would. I asked for the name and contact number of the specific staff member to be sure to arrive during their shift. Son was unable to obtain any commitment and a few days delay was incurred as he found a witness.

Finally, after two weeks, we set a date and time. I prepared two of each of the three documents in case there was a mistake. Upon entering her room my heart sank. It was obvious that she would be unable to understand what she was to sign. Additionally, she was physically unable to sign. The floor nurse was called, and confirmed my opinion. She could hear, but not respond to “blink three times if your son is standing in front of you”. The floor nurse called the Social Worker who asked “what’s going on in here”. A brief explanation later yielded “I will not permit her to sign anything”. Of course that was redundant; I would not notarize with or without her permission. The son lamented that the “Court Appointed Guardian” procedure was too time-consuming and expensive. This was my cue to leave, feeling sad for her affliction. But, the law is inflexible, applies to all; and as NY notaries are sworn officers of the State Department – I could only walk away.

.

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Notary Etiquette from Athiest to Zombie
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10 reasons why the State Notary divisions should be nationalized.

Filed under: Public Interest — admin @ 1:23 am

Normally I am in favor of state rights. But, as far as Notary Public issues are concerned, the states are not doing a good job except for California for whom I would give a C. Here are some compelling reasons why the notary divisions should be nationalized.

1. Education
Most states either do not have educational programs for Notaries, or don’t have very good educational programs. The state notary handbooks have a variety of laws and practices, but do not generally spell out exactly how to interpret or apply laws or what to do in particular situations that arise regularly that could cause confusion or danger. Some states have too many laws which make it hard to learn them all. While other states have too few laws. If we would have just the right amount of laws, and those laws would be nationalized, and well taught, there would be a higher percent of highly informed Notaries who do their job correctly at all times which is my goal.

2. Testing
Not all states have a Notary Test. Those that do have a Notary test normally have a multiple choice written test. Testing people on nitpicky legal issues is fine and dandy, but if a Notary cannot fill in a journal or forms correctly then what good are they? Hands on testing and testing people to see how they handle curve-balls such as legal requests that seem illegal or illegal requests that seem legal is absolutely necessary in my opinion.

3. Auditing
Notaries get away with all sorts of mischief in all states. Most Notaries not only omit legally required Oaths, but claim not to understand my instructions when I ask them to give me an Oath on a document. Many Notaries do not keep their journal correctly which is a danger to society. If there is identity theft, the journal is the only means to know what happened at a transaction and the journal thumbprint is the only way the FBI can catch the bad guys in many cases. Notaries nationwide need to be checked up upon once or twice a year to make sure they are not doing anything wrong. For the government to have time to check up on everyone, there needs to be fewer Notaries otherwise the job would take too long.

4. Standardization of Notary Acts
There are many variations on Notary Acts from state to state. It can be confusing for interstate transactions and for people who run nationwide Notary associations. It is easier if there are standardized acts nationwide and standardized laws.

5. Thumbprinting
Many Notaries on 123notary helped the FBI catch some awful criminals who did Ponzi schemes, identity theft and more. It was the thumbprint that was the critical piece of evidence that helped catch the bad guys. Most Notaries outside of CA feel they should not have to take thumbprints. Having national laws requiring thumbprints is the only way to safeguard society from cons.

6. Quality Standards
Before a prospective Notary takes a course, they should take a quick IQ test and personality test to see if they are well adjusted to be a Notary Public. Someone with an IQ of 100-120 who is anal, picky, has tremendous integrity, and follows the law to the letter and fills out forms correctly every time would be the ideal candidate to be a Notary. People who have screws loose are dangerous as Notaries because they will accept illegal requests becuase they can’t keep the law straight in their head. I find this out during testing as my over the phone test asks people which situations are acceptable to notarize and more than half of our Notaries decline legal requests while accepting illegal requests. Quality control is easier on a national level to make sure all Notaries know what they are doing to a T.

7. Notary Fees
Most states have ridiculously low Notary Fees. To attract good Notaries, Notary fees need to be at least $20 for the first Notary act and at least $40 for a travel fee for jobs more than 25 minutes away. Notaries in states that pay 50 cents for a Notary act tend not to be very good Notaries. Can you imagine why?

My recommendations

1. Four days of Notary education training that covers laws, processes, identifying people, administering Oaths, form filling, journals, and dealing with legal vs. illegal requests. One day of training is not enough to do a thorough job of covering all the bases here. Additionally, a refresher course for a few hours once or twice a year might help keep knowledge solidly in a Notary’s head as well.

2. A written and hands on test that could be one on one makes sense. What good is knowing the law if you don’t know how to fill in necessary forms?

3. Higher fees to become a Notary. To weed out applicants that are not serious, higher fees and more days of school will weed out people who don’t absolutely want to become a Notary Public.

4. The government should check up on Notaries at least once per year to make sure they are not skimping on responsibilities or accepting illegal requests. An undercover government worker could coerce the Notary to do something illegal to see if the Notary would comply and then fine the Notary if the Notary complied.

5. State websites (taken over by the Feds) should spell out all Notary situations and applications of laws. Identification standards should be the most emphasized as that is a huge area of contention. Names on ID’s do not always exactly match names on documents and formal standards for handling every type of mismatch should be documented on websites.

6. Most states do not make it clear that an Acknowledged signature can be signed (in 44 states) prior to appearing before the Notary Public. Most Notaries are falsely under the impression that they need to witness acknowledged signatures. What good are laws if the laws are not clearly explained? This is the most clear cut example of a law that is misinterpreted more than it is correctly interpreted. Thank God I went to a good Notary school when I became a Notary!

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January 7, 2011

Notary Funeral — When the Commission Expired

Filed under: Andy Cowan — Tags: , — admin @ 12:03 pm

NOTARY FUNERAL – WHEN THE COMMISSION EXPIRED

We’re gathered here today to celebrate the life and times of a man who made the world a better place. Since he’s no longer here, I don’t have to swear to that. He first knew he wanted to make a mark on the world when he asked to witness others making marks on pieces of paper. Other kids learned the three Rs. Our friend who we miss so learned the three-kinda-looks-like-Rs-but-better-make-sure-they’re-legible-before-he-definitely-calls-them-Rs. He was accepted as a Navy Seal, but chose to join the Notary Seals. His most dangerous mission – asking for Edward Scissorhands’ signature. He switched from pre-med to pre-notary in college, because he wanted to witness legible handwriting instead of his own horrendous handwriting had he stayed a doctor.

He was a good man who never backdated. He met his dear wife on the notary dating site, affiant.com. His wife tried to get his death certificate notarized, not realizing you can’t notarize vital records. We don’t measure his life in years, but the number of commissions he held, ever since he was of legal age. He signed, sealed, and now he shall be delivered.

Instead of being cremated, he requested to be shredded.

In lieu of flowers, his family requests pens. He never had enough pens.

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Notary Hell — Yeah, but it’s a dry heat
http://blog.123notary.com/?p=13196

Witnessing intake forms for Notary heaven
http://blog.123notary.com/?p=8832

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California Acknowledgment Wording Explained

California Acknowledgment Wording Explained

The most common notary act in the United States is the Acknowledgment. Acknowledged signatures represent roughly 80% of notary acts; with Jurats comprising of most of the remainder.

Here is some sample California Acknowledgment Wording.

State of _____________
County of ____________

On _________ before me, ________________________________________,
(name of notary public )
personally appeared _____________________________________________
who proved to me on the basis of satisfactory evidence to be the person(s)
whose name(s) is/are subscribed to the within instrument and who acknowledged
to me that he/she/they executed the same in their authorized capacity(ies),
and by his/her/their signature(s) on the instrument the person(s), or entity
upon behalf of which the person(s) acted, executed the instrument.

I certify under PENALTY of PERJURY under the laws of the state of California
that the foregoing paragraph is true and correct.

WITNESS my hand and official seal.

____________________________
(Signature of Notary)

Please note that the top section of the certificate wording is called the venue which consists of a documentation of the state and the county. Next comes the body of the acknowledgment certification which documents the date, the name of the notary, the name of the signer who personally appeared before the notary, the fact that the signer was identified properly (they use the term satisfactory evidence to mean that the signer had ID, or was identified through the use of credible witnesses).

The most critical part of the California Acknowledgment Verbiage is that the signer acknowledges subscribing to the within instrument. This simply means that the signer claims that they signed the document. They could have signed hours, months, or years before seeing the notary — and it doesn’t matter so long as they appear before the notary to “acknowledge” that they signed the document. Additionally, the signer must sign the California Notary Journal as well.

Witness my hand and official seal is confusing California Acknowledgment verbiage. A seal, in notary verbiage, could refer to a signature or an official notary stamp (confusing). The notary must sign and affix his/her/its notary seal to the California Acknowledgment Certificate. Please note that the stamp may not be placed over any signatures or wording otherwise it voids the seal.

Please also note that there are lots of (s), is/are, he/she/they, within the text. The notary is expected (many do not do this though) to cross out the inappropriate text near the forward slashes. If you are doing a notarization for a single man, then cross out the she and they and (s) in name, unless he has more than one name being used in the notarization (which would be an interesting case).

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