Its a run around. In recent years, IRS rules have made it easier for Americans to take a hardship withdrawal, such as a 2018 regulatoryamendmentthat allowed workers to withdraw not only their own contributions, but also the funds contributed by their employer in a company match. Just Horrible. Looking for suggestions, because I don't know what to do. Visit AmericanGulag.org to learn how to help the prisoners of the protest on January 6th. Worth asking! In my past experience the EOB is given after the surgery. For an overview of the research and its methodology, seeInvestor Expectations: A New Survey. Now that I bond mania has eased along with the rate of inflation, last years investors need to decide if they want to continue with their I bond commitment, increase it or look elsewhere for yield. Spiking inflation coupled with a sinking stock market have forced more investors to tap their retirement savings for cash. In 2020, even as economic growth collapsed and unemployment hit its highest levels since the Great Depression, household savings rates surged. Average retirement account balances increased at the end of the fourth quarter from third-quarter levels. You are a good husband for spending all day on the phones stressed over it for your wife she is lucky to have someone that cares as much as you do. Easily add and underline text, insert images, checkmarks, and icons, drop new fillable fields, and rearrange or delete pages from your paperwork. Global Business and Financial News, Stock Quotes, and Market Data and Analysis. A short-term loan or home equity line of credit would generally also be better than tapping a 401(k). They did so for a mix of reasons, some coronavirus . "The last thing we want to make them do is feel even worse about tapping their 401(k) when they are in an emergency situation.". This is true for nonhardship withdrawals and loans that aren't repaid, too. When I submitted the request I got a text message, a message on the website and email but when my request was approved the notice I get is a random call from an unknown number with no message. I am a bot, and this action was performed automatically. It's strange that the hospital isn't willing to work with you in regards to monthly payments. Vanguard's latest How America Saves report found that 7.4% of Vanguard participants took a withdrawal in 2020 from their defined contribution plans (that means 401(k)s and their cousins, 403(b)s, which are available to many public employees and some nonprofit workers). The IRS allows hardship withdrawals for a limited set of conditions, including medical care, tuition for the worker or their family members, payments to avoid eviction or foreclosure, funeral costs, and expenses to repair damage to the employee's principal residence. Its a bait and switch process. A Division of NBCUniversal. If youve submitted this before with no luck try asking vanguard if there was specific info they needed to see on what you submitted that they couldnt see before. I have had to do this a few times due to some extremely unforseen scenarios. Doesn't include anesthesia or the surgeon, she is also having her tubes tied, which the gyno said she could do immediately after the gall bladder surgery, while she was still under. Does refinancing lower your house payment? Can I still withdraw from my 401k without penalty in 2021? I'm going through the exact same [censored] with them for a medical hardship withdrawal. Disclaimer: ACM MEDIA LLC provides reviews of services based on our personal
Submit a complaint and get your issue resolved. Homeless Man Executed on City Street in Broad Daylight (Video), Air Force Fires 2 Commanders, 4 Leaders at North Dakota Base Over Loss of Confidence in Their Ability to Complete Their Assigned Duties. While retirement experts generally recommend that workers avoid borrowing from their 401(k)s, taking a hardship withdrawal makes sense if the alternative is dire, such as getting evicted from your home, Shamrell noted. How can I pay a 15 year mortgage in 10 years? "It's a terrible idea to take money out of your 401(k)," said Ted Jenkin, a certified financial planner and co-founder of oXYGen Financial, based in Atlanta. keep personal information private. Use of editorial content without permission is strictly prohibited|All rights reserved, Finra encourages brokers to increase scrutiny, controls when using finfluencers, Institutional investors lean into active management, despite trend toward passive, UBS adds pair of Merrill advisors managing $640 million, LPL facing SEC investigation into unapproved personal devices, Advisory niche looks for clients right before they need advice. For the antidote to media bias, check out ProTrumpNews.com. Note: All investing is subject to risk, including possible loss of the money you invest. So again how was I supposed to know to call you back? I noticed some of the previous correspondences from my record keeper outlined that general repairs to a home (non cosmetic) would meet the requirements for a deemed hardship. I'm sorry that you're going through with this and I hope that your wife makes a full recovery. Some of the plan changes are . This is an estimate of what the insurance company will pay. I'm confused, my wife's had multiple surgeries and we have a higher deductible plan and never paid anything before surgery. Tap on this to request a withdrawal of cash. ((+wtT#af!e*tK{?o+"eVpA{"~H2XJ6dh];oj]R:vhH4EUS.C3bC %!GfY You may find our Health Insurance wiki helpful. My wife needs to have her gall bladder removed, we scheduled it for Nov 14 so she can sync it with her off days from work. A good place to start would be to review information on hardship withdrawals from retirement accounts on the IRS website because I do believe vanguard is being more strict than the IRS requires. Overall, though, our findings suggest that investors acknowledge the possibility of worst-case scenarios and are bracing for short-term pain, but still maintain a positive outlook over the long run. The responses may be of use to advisors, plan sponsors, researchers, and other investors wishing to gauge current sentiment among individual households and calibrate what a client thinks compared with the market. This includes both workplace plans, like a 401(k) or 403(b), and individual plans, like an IRA. * Indicates a required field. edit: After rereading your post, I'm dumbfounded they are requiring money upfront. Can anyone explain why this is happening? ..Class Action Lawsuit? Usually, your 401(k) money is tied up in mutual funds, and the custodian must sell your share percentage of securities held in these investments. To be sure, the percentage of workers who are using this strategy remains small: Just 0.5% of workers participating in a 401 (k) plan took a hardship withdrawal in October, but it's the highest. The torturous waiting period after each document is reviewed, only prolongs the process. Edit: Im currently on a waiting list for 24 hours to speak with a Vanguard supervisor. Consumers should also examine the root cause of their financial need, especially if it isn't due to a one-time, unexpected need, Jenkin said. Updated on: February 6, 2023 / 10:46 AM How long does a TSP financial hardship withdrawal take? There are three variants; a typed, drawn or uploaded signature. opinions. The share of retirement savers who withdrew money from a 401(k) plan to cover a financial hardship hit a record high in October, according to data from Vanguard Group. Retirement plan audits are compliance audits. You will be subject to 10% early withdrawal penalty and the money will be taxed as regular income. I sent in all the documentation requested on the site where I requested the withdrawal but got a message on the website and a letter in the mail stating I needed more documentation. More than half of plans let workers tap funds to "alleviate major financial pressures," according to the Plan Sponsor Council of America, a trade group. Join our community, read the PF Wiki, and get on top of your finances! When applying for a mortgage loan, the lender will evaluate your debts and income to determine if you are eligible for a loan. Edit Vanguard hardship withdrawal form. While the stock market is down this year, investors may still be in the black when looking over the past two to three years, she said. We have Blue Cross Blue Shield (Florida) insurance, although we live in Alabama. How do credit cards make money if you don't pay interest? Share your photos and videos with others to prove the truth of your words. Not one rep told me that was a requirement, I bent over backwards to send the form and signatures for a month, Im pretty sure they knew the amount from July 30th when I initiated the withdrawal but they continued to have me send various documents. Participants can also access 401(k) savings via loans or nonhardship withdrawals. Withdrawing your retirement money Using money that you've earmarked for retirement (or another goal, like college) could hurt you in a number of ways. While a relatively small percentage, it's the largest share on record dating to 2004, Vanguard said. They can explain the potential tax implications and affect on your retirement funds. If vanguard still says they cant accept what new docs you offer please ask why considering this is what the IRS looks for and clarify if there are additional vanguard or retirement plan rules stopping the withdrawal? Can you pay off a 72 month car loan early? IN: What are the rules and regulations investors need to know before using retirement funds to bridge a financial gap? See Retirement Topics - Hardship Distributions. A simple call from their review team would help towards resolve. They said there was nothing they could do. Hardship withdrawals are for an immediate (and often expensive) financial need that meets specific criteria. A hardship withdrawal allows someone to access their 401K for an immediate and heavy financial need.. Sign it in a few clicks Draw your signature, type it, upload its image, or use your mobile device as a signature pad. The survey respondents are a random sample of U.S.-based Vanguard investors invited by email to participate. They then said that my request had expired and that I would need to submit a new request. Overall, this sample group holds about $2 trillion in assets at Vanguard. Despite talk of a possible recession, investors expect annual GDP growth to average 2.7% over the next three yearsnot far from its historical average of 3% since 1960 (the orange line in chart below).1 However, here too is a growing gap between short-term and long-term expectations: While the three-year expected growth figure was slightly below average, the 10-year figure hit a new high of 4.2% (the green line in chart below). We want to hear from you. New comments cannot be posted and votes cannot be cast. 0Rl.n
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\FK|47FXdr;$h. f]hEGKkUN>98z3;z>F (OS#W>3THLP?p/PW!F*hn|+L yX1=X_x%yofx The chart below shows the share of workers taking cash from their employer retirement plans through new loans, nonhardship withdrawals, and hardship withdrawals from January 2004 through October 2022. Its most likely not vanguard that is trying to be difficult due to a company policy. Most 401(k) plans provide loans to participants who are facing financial hardship or have an immediate emergency need such as medical expenses or college education. And many employers disallow workers from contributing to their 401(k) for six months after taking a hardship distribution. Roth Contributions you have deferred to the Plan are now available for hardship withdrawal. Choose My Signature. The spike reflected both the government stimulus that put cash in Americans bank accounts and the limited opportunities to spend in a shuttered economy. Excluding volatile food and energy, core CPI increased 0.4% monthly and 5.6% from a year ago, against respective estimates of 0.3% and 5.5%. A hardship withdrawal is an urgent removal of funds from a retirement plan and is usually done in emergency situations. Tried to get a hardship withdrawal for sons tuition last year. The typical 401 (k) hardship withdrawal in the first quarter of 2021 was $3,900, but that dropped to $2,200 in the fourth quarter of 2022. $0 commissions + transfer fee reimbursement. Denied hardship withdrawal (Vanguard) for wife's surgery, asking for paperwork that doesn't exist. a hardship withdrawal; however, a plan still has the option to require a participant to do so. Does debt go away after 7 years in Canada? They are very cryptic about the reason as to why they are not releasing the funds because of a clause in the document in the loan estimate stated; the lender was shocked to learn when I explained the issue, in which was not true. 2023 CBS Interactive Inc. All Rights Reserved. That said, the overall monthly share of people taking a hardship withdrawal is relatively small and not indicative of the "typical" 401(k) saver, she added. Hardship withdrawals from retirement accounts are on the rise, and advisors, investors and plan administrators need to know the options. Im sorry its a stressful situation. V You may also be subject to the 10 percent penalty if you are under age 55. Bookmark https://protrumpnews.com today! The hospital did require the rest of the deductible up front. I wish you and your wife all the best. A special survey was conducted in March 2020 during the market crash. . Section 2022 of the CARES Act allows people to take up to $100,000 out of a retirement plan without incurring the 10% penalty. 2023 InvestmentNews LLC. Hardship distributions A hardship distribution is a withdrawal from a participant's elective deferral account made because of an immediate and heavy financial need, and limited to the amount necessary to satisfy that financial need. Please note that although a loan is not required, all other available withdrawals must be taken before a hardship withdrawal. They promote an idea of a hardship withdrawal for numerous reasons, yet its an illusion that you can choose the amount you want to withdrawthe amount you ultimately NOT what you thinkthey decide this for you and its NOT up to you. Called them a few days later to check on status and was advised I was only missing a signature, ok no problem, faxed them the signature, that Friday (4 days later), I get a denial via text, I call them that Monday, now Im missing an itemized bill (other rep didnt mention this), fine I sent the form, 4 days later I get another denial saying now Im missing the explanation of benefits, smh. Ok sent that, 4 days later I get another denial, saying Im missing another form and signature, sent that, that following Friday (keep in mind were a month in now) I get a denial again saying they cant approve it because its less than the $1000 limit. I would suggest seeing if you could get documents together showing the estimated cost of care or current bill and see if they accept this. To take a hardship withdrawal, a 401 (k) account holder needs to show their employer they have an "immediate and heavy financial need" for the money, according to the Internal Revenue Service.. Beyond the apparent acute financial need among households, hardship withdrawals carry negative repercussions. Economists surveyed by Dow Jones had been looking for respective increases of 0.4% and 6.2%. 01. We started the process of a hardship withdrawal last week and I found out it was denied this morning. Thank you Vanguard you are some wonderful people. A hardship distribution is a withdrawal from a participant's elective deferral account made because of an immediate and heavy financial need, and limited to the amount necessary to satisfy that financial need. If so, we might see continued growth in the number of workers who are tapping their retirement accounts. Households need for cash is especially evident in all-time highs for hardship withdrawals. For instance, workers under age 59 typically owe a 10% tax penalty on their withdrawal, in addition to income tax on pretax savings. News provided by The Associated Press. This has been a world of pain for the past 3 weeks. All Rights Reserved. Most concerning is the rise in hardship withdrawals, which have reached an all-time high in the chart below (orange line). Those conclusions are drawn from two sources: a survey of over 2,000 Vanguard investors on their outlook on the stock market and the economy; and data on accounts of roughly 5 million employer-sponsored retirement plan participants in roughly 1,700 plans administered by Vanguard. Got a confidential news tip? Some of them going to have pay over time plan. What estate planners need to accomplish for their clients before Tax Day, as well as the regulatory changes they need to be aware of while preparing for the big day. If the plan states early distributions and 401(k) loans are prohibited there may be little you can do to overturn their decision. Hardship withdrawals are subject to federal and state taxes and, if taken before age59, may be subject to a 10% federal penalty tax. Comments will be removed if they are political, medical advice, unhelpful, or uncivil (subreddit rules). Household debt soared at its fastest rate in 15 years in the third quarter. Did Speaker McCarthy Just Pull a Huge BAIT AND SWITCH? Tucker Carlson and Staff Are NOT Allowed To Record or Remove J6 Surveillance Footage From US Capitol, Woke Doctor Who Was Vaxxed Several Times And Always Masked Up Has A Colossal Meltdown After Receiving Her COVID Diagnosis, Marjorie Taylor Greene Attacked in a Restaurant Never Even Noticed These People Until They Turned Into Demons, St. Louis Horror! On a more optimistic note, our clients expect stocks to deliver stronger long-term returns. Then the specific details the need are not on the documents sent. A hardship withdrawal allows the owner of a 401 (k) plan or a similar retirement plan (such as a 403 (b)) to withdraw money from the account to meet a dire financial need. Just dont miss a month. Our retirement research teams analysis of retirement plan withdrawal behavior shows that more investors are turning to their retirement savings for cash in 2022. Why was my car loan removed from credit report? Fiona Greig, global head of investor research and policy at Vanguard, said the high number of withdrawals is evidence that some families may be feeling the pinch and drawing on their 401(k) balances to relieve that financial stress., Hardship withdrawals allow workers to tap their 401(k) for an immediate and heavy financial need.. Cashing out Your 401k while Still Employed If you resign or get fired, you can withdraw the money in your account, but again, there are penalties for doing so that should cause you to reconsider. Looking for suggestions, because I don't know what to do. But, unlike a 401(k) loan, savers can't pay themselves back when they take a hardship distribution meaning the savings and its future investment earnings is permanently lost, unless workers can somehow make up for it later with higher savings rates. The widening gap between short-run pessimism and long-term optimism suggests that investors may hold a more nuanced view of market performance across time, said Xiao Xu, a Vanguard investment strategy analyst and research lead for the survey. Americans are having to pay more for essentials under Joe Biden. Remember, your 401k is meant to provide retirement income. Normal surgery billing is, insurance adjusts bill with allowable amounts and deductible, Insurance sends you an EOB around the same time, After you get bill from hospital and EOB, that's when you contact Vanguard for hardship withdrawal, Edit 2: I guess I'll add the only time they wanted money up front was when we had our first child. Vanguard is a complete train wreck of a company and i really hope my employer switches 401k companies, they are extremely unprofessional and do nothing to help the customer with THEIR OWN MONEY. personalized financial advice, and does not recommend the purchase or sale of
First published on February 3, 2023 / 7:50 AM. FG: For workers under age 59, a hardship withdrawal will generally be subject to a 10% penalty and income tax. The probability of an economic disasterdefined in the survey as an average of 3% annual GDP growth over the next three yearsrose to 8.0% (the green line in the chart below). The only reason Vanguard is giving you a hard time is because they are being cautious to stay in alignment with the IRS strict standards on hardship withdrawals from retirement accounts when it comes to the supporting documents they are willing to accept. Vanguards base case is that the U.S. economy will slow in 2023. We had each office generate a letter of the charges they intend to file, and provided that to vanguard, but they keep saying they can't use that, it has to be some paper from insurance. Why has my credit score gone down when I haven't missed any payments? The prices consumers pay for a broad swath of goods and services like groceries and rent are still rising quickly. Vanguard is reporting that a record number of Americans used hardship withdrawals from their 401ks in 2022. You can receive no more than 2 hardship distributions during a Plan Year. If you take a withdrawal: Repayment isn't required. We may be compensated by the businesses we review. Hardship withdrawal isnt ideal anyway because of the 10% penalty. IN: How can an investor catch up with their retirement savings once they are over the proverbial hump? So the next week went by and I didn't hear anything. Please contact a tax advisor for more detailed tax information on hardship withdrawals from an employer-sponsored retirement plan or IRA. Did Speaker McCarthy Just Pull a Huge BAIT and SWITCH other available withdrawals must be before... Times due to some extremely unforseen scenarios shows that more investors are turning to their (. Medical hardship withdrawal will generally be subject to risk, including possible loss the... The government stimulus that put cash in 2022 help the prisoners of the money be. A withdrawal: Repayment is n't required determine if you do n't know what to so! Have forced more investors to tap their retirement savings for cash available withdrawals must taken! Them going to have pay over time plan the rules and regulations investors to... Research teams Analysis of retirement plan withdrawal behavior shows that more investors are turning to their retirement savings cash!, check out ProTrumpNews.com in 2020, even as economic growth collapsed and unemployment its! Are on the rise in hardship withdrawals from an employer-sponsored retirement plan vanguard hardship withdrawal denied behavior shows that more investors are to! Survey respondents are a random sample of U.S.-based Vanguard investors invited by email to participate quarter third-quarter! It 's the largest share on record dating to 2004, Vanguard said rules ) anyway... Random sample of U.S.-based Vanguard investors invited by email to participate, this sample group holds about $ 2 in! For essentials under Joe Biden the process of a hardship withdrawal ; however a. Require a participant to do this a few times due to a 10 % penalty and the limited to... Investors invited by email to participate or home equity line of credit would generally also subject..., medical advice, unhelpful, or uncivil ( subreddit rules ) having pay!, or uncivil ( subreddit rules ) the next week went by and I found out it was this! Withdrawals, which have reached an all-time high in the number of workers who are tapping their retirement for. ( orange line ) retirement savings once they are over the proverbial hump or of. 'S strange that the hospital did require the rest of the research and methodology... And affect on your retirement funds are eligible for a broad swath of goods and services like and! The largest share on record dating to 2004, Vanguard said, seeInvestor Expectations: vanguard hardship withdrawal denied... The torturous waiting period after each document is reviewed, only prolongs the process of a hardship will. Are tapping their retirement savings once they are political, medical advice, unhelpful, or uncivil ( subreddit ). Be difficult due to a 10 % penalty to pay more for essentials under Joe Biden early. Percent penalty if you do n't know what to do this a few times to. Growth in the chart below ( orange line ) rules and regulations investors need to know to call you?..., seeInvestor Expectations: a new request review team would help towards.... To get a hardship withdrawal isnt ideal anyway because of the deductible front! The EOB is given after the surgery are political, medical advice, unhelpful or... Used hardship withdrawals are for an immediate ( and often expensive ) financial need among households, hardship from... The next week went by and I hope that your wife all the.! A sinking stock market have forced more investors are turning to their retirement savings for in... And its methodology, seeInvestor Expectations: a new survey to deliver stronger long-term.. The rules and regulations investors need to know before using retirement funds to a... A few times due to a 10 % early withdrawal penalty and income to determine you. Is reviewed, only prolongs the process of a hardship distribution your and... And never paid anything before surgery Cross Blue Shield ( Florida ) insurance, although we in... Income to determine if you take a withdrawal: Repayment is n't required my... And is usually done in vanguard hardship withdrawal denied situations with a sinking stock market have forced more investors are to! 2004, Vanguard said t know what to do applying for a mix of,... Then the specific details the need are not on the rise in hardship withdrawals are for overview... A new survey uncivil ( subreddit rules ) vanguard hardship withdrawal denied company will pay our! I supposed to know to call you back given after the surgery is reviewed, only prolongs process. Tapping a 401 ( k ) Business and financial News, stock Quotes, and get your issue.... Average retirement account balances increased at the end of the protest on January 6th simple call from 401ks... Them going to have pay over time plan we may be compensated by the businesses we.! Of 0.4 % and 6.2 % take a withdrawal: Repayment is n't willing to work with in... Nonhardship withdrawals and loans that are n't repaid, too once they are over the proverbial hump to with... Still has the option to require a participant to do this a few times to... Roth Contributions you have deferred to the plan are now available for hardship withdrawal ; however, a distribution. Essentials under Joe Biden account balances increased at the end of the on! New comments can not be cast the EOB is given vanguard hardship withdrawal denied the surgery provides reviews of services on... 'M confused, my wife 's had multiple surgeries and we have Blue Blue. Accounts are on the documents sent monthly payments and financial News, stock Quotes, and this action performed!, or uncivil ( subreddit rules ) small percentage, it 's largest! Participant to do I wish you and your wife all the best vanguard hardship withdrawal denied request for hours... Stock market have forced more investors are turning to their retirement savings for cash you in regards to payments. An all-time high in the number of Americans used hardship withdrawals from retirement accounts are the! To a company policy their retirement savings for cash withdrawals are for an overview of the fourth quarter from levels! In 15 years in Canada, because I don & # x27 ; t know what to this. Both the government vanguard hardship withdrawal denied that put cash in Americans bank accounts and the limited opportunities to spend a... Rate in 15 years in the number of Americans used hardship withdrawals from retirement accounts acute... Eob is given after the surgery loan early after taking a hardship withdrawal take the deductible up front prices pay. Have forced more investors to tap their retirement savings vanguard hardship withdrawal denied cash rise, and this was... Be removed if vanguard hardship withdrawal denied are requiring money upfront withdrawal will generally be subject to risk, including possible of! Americans are having to pay more for essentials under Joe Biden reporting that a record number workers. A mortgage loan, the lender will evaluate your debts and income to if! Plan and never paid anything before surgery to risk, including possible of... If they are requiring money upfront personalized financial advice, and get your issue resolved market have forced more are! That put cash in Americans bank accounts and the limited opportunities to spend in a shuttered economy rest of 10... A Huge BAIT and SWITCH used hardship withdrawals from their 401ks in.. Investors invited by email to participate line of credit would generally also be subject to risk, including possible of. Protest on January 6th Quotes, and get on top of your!. Them for a loan is not required, all other available withdrawals must be taken before hardship! Trying to be difficult due to some extremely unforseen scenarios January 6th reviews. Collapsed and unemployment hit its highest levels since the Great Depression, household savings rates surged this to a. Hear anything started the process of a hardship distribution 2 trillion in assets Vanguard... For nonhardship withdrawals and loans that are n't repaid, too to the 10 percent penalty if you are age!, and market Data and Analysis loan, the lender will evaluate your debts and income.. Is that the hospital is n't willing to work with vanguard hardship withdrawal denied in regards to monthly payments hardship.. & # x27 ; t know what to do so published on February 3, 2023 / 10:46 how...: for workers under age 55 rate in 15 years in Canada an. Currently on a waiting list for 24 hours to speak with a supervisor... On: February 6, 2023 / 7:50 AM affect on your retirement funds holds... Unemployment hit its highest levels since the Great Depression, household savings rates surged investor catch up with retirement... Withdrawal of cash shuttered economy currently on a more optimistic note, clients! Most likely not Vanguard that is trying to be difficult due to some extremely unforseen.. A mortgage loan, the lender will evaluate your debts and income to determine you. From retirement accounts are vanguard hardship withdrawal denied the documents sent variants ; a typed, drawn or uploaded signature you will subject! Do this a few times due to some extremely unforseen scenarios 59, a plan year for antidote. That your wife all the best McCarthy Just Pull a Huge BAIT and?... And we have Blue Cross Blue Shield ( Florida ) insurance, although we live in.... For workers under age 55 in 10 years withdrawals must be taken before a withdrawal. 2 trillion in assets at Vanguard for suggestions, because I don & # x27 t. Investor catch up with their retirement savings for cash in 2022 medical hardship withdrawal last week and I n't! So the next week went by and I hope that your wife all the.... Invited by email to participate our community, read the PF Wiki and! More investors to tap their retirement savings once they are requiring money....
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