Waco Texas Nationwide*UPDATE : American Income Life join Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and submit to independent investigation. At 35 how long will I need to protect my family, mortgage kids school, widow's needs? If you drop the accident policy in NY you won't be able to buy it again. Peggy Martin Check is in the mail,& then put a stop pay on the 2nd Kissimmee, Florida. T taylor6676 of Lutherville, US Jan 11, 2008 12:00 am EST Review updated: Jul 30, 2022 Resolved Featured review I was an employee of this company who relies on the inexperience of new agents to run this scam on union members and their friends (family). Rip-off Report discove. Local 435, NILICO,AIL,AFL-CIO Local277, Via Helth Rochester, benefits not what they appear to be. Great Neck New YorkRip-off Report Investigation: American Income Life / National Income Life join Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and submit to independent investigation. There may also be a conversion clause which would read you have xx days to convert at teh then premium rate when you no longer * qualify* Miami Florida, Old Town Atelier Dan Kolar Alexandra Kolar Press and Ink Scamming and Blocking Paying Customers Temecula California, Full Service Network Jason Soltis, David Schwencke (CEO) They could not provide phone services needed, had to change providers after working with them for months to fix things. Repackaged from Purchased from Amazon, stealing all certifications and false manufacturing markers from the packaging of NB food supplements. American Income Life / National Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future. American Income Life / National Income Life provides products and services through independent representatives and has been providing benefits to families for over 50 years. strict standards for business conduct. American Income Life, AIL, Altig International RIPOFF, PYRAMID SCHEME WASTE OF TIME Burnaby British Columbia*UPDATE - Rip-off Report REVIEW: Altig International has joined the Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and a Rip-off Report independent investigation. American Income Life / National Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future. And yes believe it or not they will if you see the need even sell you additional accidental death benefits in case the $1000 or $2000 benefits won't pay off the house and send your kids to College. *UPDATE - Rip-off Report REVIEW: The David Zophin Agency & American Income Life has joined the Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and a Rip-off Report independent investigation. You are hired under the idea that the chances of having a succesful carreer are very high, that everyone can do it, and that you need no sales experience. They say thieves always lock their doors. REBUTTAL BOX (585) 454-5800. Rochester New YorkRip-off Report Investigation: American Income Life / National Income Life join Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and submit to independent investigation. I wanted to make sure people heard this concern for people this year. Again, you demonstrate the point about being uninformed. American Income Life / National Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future. We award American Income Life Insurance Company a final rating of 2.5 out of 5 stars. So if you could look up those numbers from your rate book and any of the readers can go on line to compare costs they will see how far out of range your term policies costs are and never mind your other great Nov 16, 2007 12:00 am EST. They force the buyers to sign a paper saying they are not replacing a policy when in fact many of the customers often say I will replace my Combin*d Life policy with this one. The interview process was very misleading. Pros & Cons are excerpts from user reviews. 3.William P*nn Well, I see your point Richard, I do not doubt have more extensive knowledge about insurance, and I agree, a balanced protection is suggestable if money allows. 30 year term $500,000 coverage, $530 per year,$44.17 per month, $1.06 per 1000x500= $530 per year. Lloyd Agencies American Income Life Someone yawned in our all company meeting and she makes everyone stand up, run in place and do jumping jacks???? A Rip-off Report independent investigation has shown that the Altig International insurance sales process and the American Income Life insurance products they sell are 100% legitimate - to be expected in a federal, state and provincial regulated industry. Balanced Feedback ..found the highest degree of integrity and professionalism. Commitment to customer satisfaction, positive rating for its customer support from Ripoff Report. I work in the Middletown office and I'm ashamed that we hired a person with a work ethic like joel. They start calling with 3 successive calls in a row. When I queried the obviously false statements in letter 04-307 on Insurance and other issues, I received SPEEA 04- 364, signed by the SPEEA President [ who is also the CEO ] claiming that the E-board had reviewed and approved the 04-307 letter. I hate doing all the paperwork anyways. If so tell Julian and Bubbles that if they want to pass their grade 10 they must come in for their Math exams, see you on Showcase channel Sunday evenings after you are done calling your union folks. Success with any product or service is always based on the proper application and understanding. I gave you plenty of chances to quote a price and you said you can write term up to age 100 so why are you afraid to look up the cost and show us? *UPDATE ..August 30, 2010 ..after 4 years, no unresolved disputes. On the surface, it looks like an ordinary insurance company. Don't worry about where all the ex-agents went. A Rip-off Report independent review has shown that the The David Zophin Agency & American Income Life insurance sales process and products they sell are 100% legitimate - to be expected in a federal, state and provincial regulated industry. In addition, American Income Life is rated A+ Superior by AM Best, the organization recognized by th, American Income Life ripoff St. Louis MissouriRip-off Report Investigation: American Income Life / National Income Life join Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and submit to independent investigation. Do you know many different names you have used the terms, get over yourself? Waco Texas, Nationwide, National Income Life Insurance Company Of New York What to do? Why Ripoff Report will not release author information! It sounds like GAY Mike is trying to take credit for being HA HA, if so big deal failure at career #2, he couln't teach either. The union has approved the letter sent out to the members and mailed the letter themselves (or using a mailing house)American income pays for the mailing. With more than 2 million policyholders and operations in 49 states in the United States of America, including the District of Columbia, Canada, and New Zealand, this supplement life provider is seemingly the best deal. American Income Life / National Income Life join Rip-off Report Corporate Advocacy Business Remediation Customer Satisfaction Program and submit to independent investigation. When we do go to the home our job is to deliver the benefits and explain the options. If you would like to see more Rip-off Reports on this company/individual, search here: who's who HaHa, Hal, or Gay Mike, Or Jimmiieachie, who cares you all stink. Imagine a 23 year old desperate to get some money to pay for his/her food,gas an a hotel when he/she is at a work trip away from home, trying to sell insurance he/she will mostly do ANYTHING it takes to sell those policies!!!! *Any consumer not receiving satisfaction from a member of the Corporate Advocacy Program should email us at editor@ripoffreport.com, *UPDATE, Rip-off Report REVIEW: American Income Life / National Income Life Insurance Company gets a POSITIVE RATING from Rip-off Report and is fulfilling its commitment to resolve all legitimate complaints and address representative issues. Great Neck New YorkRip-off Report Investigation: American Income Life / National Income Life join Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and submit to independent investigation. American Income Life / National Income Life pledges to resolve all legitimate complaints and address any is, American Income Life - Altog Orlovic employment scam ripoff unsuspecting agents Las Vegas NevadaRip-off Report Investigation: American Income Life / National Income Life join Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and submit to independent investigation. IF YOU WOULD CHECK THE LETTER YOU RECIEVED WITH THE CARD, IT WILL BE A LETTER FROM YOUR LOCAL UNION. These rules are in place to protect Locals and our members from unscrupulous insurance representatives who misrepresent themselves. The website warns of long wait times. It is sold by Union Life and is called the Union Secure plan. Rip-off Report discove. As an example Selectqu_te.c*m or many others on a search engine. Do they have annuities? Further, under SPEEA Maybe you should re-evaluate your career choices and think about looking at another job. Miami Florida, Old Town Atelier Dan Kolar Alexandra Kolar Press and Ink Scamming and Blocking Paying Customers Temecula California, Full Service Network Jason Soltis, David Schwencke (CEO) They could not provide phone services needed, had to change providers after working with them for months to fix things. Wow, what a union bargain and the agent gets about 50% commission for the first year. Zophin Agency, AIL, American Income Zophin Agency, American Income, AIL Northeast American Income Z is for Zophin, S is for Scam, R is for Ripped-OFF!!! American Income Life Scam | Complaints REVIEW: American Income Life, National Income Life dedicated to helping associates achieve their goals; feel safe confident & secure doing business with AIL & NIL, they will not allow a legitimate complaint to go unresolved. Now Mr. Doe Is 45 still not smoking and still in great shape, let's assume he has not had any medical problems yet that would cause a rating so he could not get these great union prices. Do not, under ANY circumstances allow them into your home. They receive no salary. This company has changed my life, I hope you are willing to keep an open mind and not "Buy" into this B.S. Rip-off Report has the evidence that shows the same person filed every one of the Reports. The father paid $200,000 above reserve at auction to secure the Sydney waterfront property so his child could live close by. I have been with AIL for many years and have read many similar "assinine" stories and complaints about this company. It's a front for American Income Life Insurance Companies. Just sign here and I'll fill the rest out later, you look heathy to me, I don't want you to wait any longer or see how I might check the boxes that you signed for, there shouldn't be any discrepencies unless there is a death and a law suit and we all know the dead guy can't dispute your claims. Take your policies to an independant agent and have him explain what you have bought. HELP! At 58 you could still buy $500,000 10 year term for only $11,935 per year, $994.58 per month or $32.70 per day. That is the life insurance company that deals with present union workers and past ones also. Governing Documents, she could not have been authorized to sign such a legal document, which is the sole responsibility of the Executive Board in accordance with thier Constitution. They are in reality collecting na Kissimmee, Florida, AIL Insurance Company Do not buy insurance from American Income Life Insurance Company ,AIL, Waco Texas, Globe Life and Accident Ins Co Company Will Not Pay Death Claim Oklhoma, Oklahoma, SABRINA LLOYD & ASSOCIATES manipulating thief, stole $5000+ from me; tyrant, bully, threatens agents with their contracts to save herself, coward; Greenwich, Connecticut, New Dawn Industries,Inc. He told us all the great things that these new union benefits will do for us union members. American Income Insurance / Torchmark Corporation. But the mailing is mailed by the agent or AIL. This company has changed my life, I hope you are willing to keep an open mind. - NOTICE: *UPDATE December 1, 2006. Do you want people in solidarity to think you are a union brother like them? *UPDATE ..August 30, 2010 ..after 4 years, no unresolved disputes. Most of them couldn't be any further from the truth. Waco Texas, Nationwide, Paradise Property Management Ventura Illegal eviction my account being hacked, PPM will not investigate how it happened Ventura California, Kei Kullberg Quintessential Mortgage Group bait and switch you into promising you a low-rate Mortgage Scammer White Plains New York, TAHINI GODDESS Sally schimko Sexyveggies Tahini Goddess inulin Goddess Prebiotic white labeling of non-licensed food supplement. With great caution, I continued the interview and training process, watching for the awful things I had heard about. Does 10 years sound like enough? American Income Life / National Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future. Commitment to customer satisfaction positive rating for its customer support from Ripoff Report. One comment made was that American Income gets the mailing list and uses it to do their own mailing. Company website run by crooks outside USA pretending to be in USA to get USA money taking your hard-earned dollars funneling it to the country of Peru, Better Business Bureau of South Florida BBB of South Florida Andre Amaro and the BBB of South Florida are harassing me and my small business! Are you licenced to sell variable insurance products through AIL? Every company receives complaints, and with currently more than 600 associates and more than 50 offices throughout North America, the number of compl, AIL CANADA - ALTIG INTERNATIONAL DISHONEST AND RIPPED OFF BRITISH COLUMBIA British Columbia*UPDATE - Rip-off Report Investigation: Altig International has joined the Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and is committed to addressing and resolving all legitimate complaints. Rochester New YorkRip-off Report Investigation: American Income Life / National Income Life join Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and submit to independent investigation. Middletown Connecticut NOTICE:*UPDATE December 1, 2006. Lets say Mr. Doe bought this $500,000 term policy at 35 and paid on it for 10 years at $2,230 per year, that would be $22,300 and then paid for 10 more years at $4,290 per that another $42,900 totalling so far $65,200. What he writes is true. However, by participating in the Corporate Advocacy Program, the member business has made a commitment to working with its customers to resolve complaints quickly and fairly whenever possible.Please keep in mind that as a consumer you have some responsibilities as well. American Income Life / National Income Life provides products and services through independent representatives, and has been providing benefits to families for over 50 years. The original poster (Joel in Middletown) alleged among other things: they cannot deliver what they say an insane amount of money Pittsburgh Pennsylvania, Attorney Sharon K. Campbell COLLUDES with Wells Fargo Dallas Texas, BlackSwanCapital.co Black Swan Enterprises Peter Tumbas Black Swan Capital The offered guaranteed low-cost financing if I first stepped in high-cost short term financing New York New York, Geeks Ondemand LLC, Lizeth Lagomarcino Papaleo Geeks Ondemand LLC, The Geeks Mob SCAM! Wow what a great Union Product you sell, and what a bargain, $185 per year compared to your $2,230 per year. ALL COMPANIES GET COMPLAINTS, BUT HOW THE COMPANY HANDLES THOSE COMPLAINTS, SEPARATES GOOD BUSINESSES FROM BAD BUSINESSES *UPDATE - Rip-off Report Investigation: Altig International has joined the Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and a Rip-off Report independent investigation. Rip-off Report found that All but 2 Rip-off Reports about The David Zophin Agency were posted by the same person. 3. Waco Texas Nationwide*UPDATE : American Income Life join Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and submit to independent investigation. The United States subprime mortgage crisis was a multinational financial crisis that occurred between 2007 and 2010 that contributed to the 2007-2008 global financial crisis. 5.Pruc* You also seem to have a bias against whole life. After the response cards are sent back. American Income Life Scam | Complaints REVIEW: American Income Life, National Income Life dedicated to helping associates achieve their goals; feel safe confident & secure doing business with AIL & NIL, they will not allow a legitimate complaint to go unresolved. I notice that you seem to be on this report dozens of times. If a member is approached by an insurance salesman who says he is working for the union, the member should beware and report this to the Local. American Income Life TRUSTED Business | Ripoff Report Verifiedbusinesses you can trust: Feel safe confident & secure doing business with American Income Life / National Income Life - AIL pledges its commitment to customer satisfaction and Affiliate support. United States. Of those about 1/2 will set an appointment and out of that about 1/2 will understand they needs presented to them and sign on the line. all this time to spend online. Their pay is very low. American Income Life proves to be among the top members of the Rip-off Report Corporate Advocacy Business Remediation and Customer Satisfaction Program, as a Verified Safe Business. American Income Life Scam | Complaints REVIEW : American Income Life, National Income Life dedicated to helping associates achieve their goals; feel safe confident & secure doing business with AIL & NIL, they will not allow a legitimate complaint to go unresolved. Why not pay of the house, cars, education. In Solidarity Ha Ha brother, wink, wink, we are all union brothers AIL, NILICO,AFL-CIO, LOCAL 277. American Income Life / National Income Life join Rip-off Report Corporate Advocacy Business Remediation Customer Satisfaction Program and submit to independent investigation. American Income Life Scam | Complaints REVIEW : American Income Life, National Income Life dedicated to helping associates achieve their goals; feel safe confident & secure doing business with AIL & NIL, they will not allow a legitimate complaint to go unresolved. Everyone knows a John and Jane Doe in those ages with those types of bills and children that need that much protection and only a fool would spend that much money for a $7000 whole life product because after the funeral there is nothing left but the bills, and the house and other things to sell. Or is is this a bunch of crap to get in my door to sell me more. If your research leads you to believe it is a scam report it and write your union officials and your State Insurance Department.If it sounds too good to be true it probably is. American Income Life is truly dedicated to making sure their customers are satisfied and that any complaints which do arise are addressed promptly and fairly.To date, American Income Life has made good faith efforts to resolve all complaints reported on Rip-off Report. In the past 10 years, this benefit has proven its worth time and time again.In 2004 alone, over $1.5 million was paid out nationally through the AD&D program. Including this Report below! For example, dissconecting your phone while you're pretending to work, or hiding in a closet to avoid responsibility or worst of all not properly taking care of our clients because of a grudge you had against the company. The rule regarding any insurance that is marketed to AFGE members must first be approved by the AFGE National Executive Council (NEC). Has your experience with this business or person been good? I work out of an office in Maine, and perhaps, like most large companies, different offices reflect different leadership. American Income Life was an awful place to work. Read our investigative Report and American Income Life / National Income Life's commitment to 100% consumer satisfaction.American Income Life / National Income Life provides products and services through independent representatives, and has been providing benefits to families for over 50 years. Contact your union leadership, they'll be able to explain everything to you. In fact, I can clearly remember one union member who passed away after responding to his union's benefits letter, naming his wife as the beneficiary. Consumers can feel safe, confident and secure doing business with American Income Life / National Income Life an excellent business opportunity for people who like people and like to make money New York Reason For Parent Company New YorkRip-off Report Investigation: American Income Life / National Income Life join Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and submit to independent investigation. Success has many definitions that based on your past experiences, current situation and your perceived expectations. A competitor no doubt. Say we owe over $22,000.00 for the rest of their so called contract !!!!!! TrustedChoice.com's Final Review. Waco Texas, Nationwide, Zophin Agency ripoff Warwick Rhode Island *UPDATE - Rip-off Report REVIEW: The David Zophin Agency & American Income Life has joined the Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and is committed to addressing and resolving all legitimate complaints. American Income Life / National Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future. I can't find the local 277 in the phone book. The victims are hired as independent contractors. Are you licensed to sell them? I was born at night but it was not last night. American Income only provides customer support during business hours. Fort Worth TexasRip-off Report Investigation: American Income Life / National Income Life join Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and submit to independent investigation. A lot more. Add in the other countries for more accuracy. Lets look at the $8 Billion no cost accidental death benefits. Always check with your National Vice President to determine if an insurance carrier has approval, as well as which plan they are permitted to sell. If not why not? How else could we sell that much? American Income Life Insurance | Ripoff Report Verified Safe. Copyright 1997-2023, Ripoff Report. You referred to it as your company.Even though this poor fellow never had a chance to meet you or sign for his benefits. In all honesty, I personally, found none. $1.5 million paid out in accidental death benefits. Wink, Wink. The 30 year term is still $1,700 per year cheaper than the union 10 year term per YEAR! All rights reserved. The point is. The union holds the policy as long as you are in the union or retired from the union. OK, But I dont want to work 12 hour days to do that. The newspaper contacted American Income Life Insurance, which is owned by the $10 billion Texas-based Torchmark Corporation, to better understand why the claim for Amy was denied. Rip-off Report has the evidence. Copyright 1997-2023 Ripoff Report. Do a search for quotes from several companies that will compare your statistics to about 15 comparable companies and see the difference in pricing. It takes money from my household income when the unions find new ways to work deals with insurance companies that leave me paying an extra $70.00 per month for more coverage but ending up with less. It is simple to do. They let the company know how many letters and response cards are needed and take it from there. 1,208 Ratings. As a licensed sales agent you know that the law does not require him to sign for the policy, his union did, he is merely an insured like any other union member from his union. Go ahead. American Income Life is a Better Business Bureau accredited company, since 1952, and currently posseses an A+ rating. Say we owe over $22,000.00 for the rest of their so called contract !!!!!! A Rip-off Report independent investigation has shown that the Altig International insurance sales process and the American Income Life insurance products they sell are 100% legitimate - to be expected in a federal, state and provincial regulated industry. The UAW has a problem with them. How many attorneys do you have threatening everyone again? Mark Colbert from Markcolbert*com disagrees and claimed the parent company "AMERICAN INCOME LIFE INSURANCE COMPANY" has been sued in 9 States and paid to settle each time after seeing the evidence. Lets just use the 50 States again to be nice and fair to them, we will give them every benefit of the doubt. Real estate news with posts on buying homes, celebrity real estate, unique houses, selling homes, and real estate advice from realtor.com. American Income Life dedicated to helping associates achieve their dreams. American Income Life / National Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future. "So, they deliberately are deceiving union members. If at any time Mr. Doe got cancer, heart problems, kidney, diabetes, etc. Consumers want to see how a business took care of business. We believe that the number of complaints against this company, whether through the Internet or other channels, is small when put into the context of its enormous size. Solitary Dylan, AIL,NILICO, AFL-CIO, Local277. Waco Texas, Nationwide, Zophin Agency ripoff Warwick Rhode Island *UPDATE - Rip-off Report REVIEW: The David Zophin Agency & American Income Life has joined the Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and is committed to addressing and resolving all legitimate complaints. American Income Life / National Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future. Read our investigative Report and American Income Life / National Income Life's commitment to 100% consumer satisfaction. "Currently, there are no legal grounds to ban wood burning completely," said Eva Oosters, vice mayor for environment and emissions-free transport in the Dutch city of Utrecht. ALL COMPANIES GET COMPLAINTS, BUT HOW THE COMPANY HANDLES THOSE COMPLAINTS, SEPARATES GOOD BUSINESS FROM BAD BUSINESS*UPDATE - Rip-off Report REVIEW: Altig International has joined the Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program, committed to addressing & resolving all legitimate complaints. Have a swell day Ricky! Copyright 1997-2023, Ripoff Report. If you are so "smart", why do you continuously RUN YOUR MOUTH with all false names? [1] [2] It was triggered by a large decline in US home prices after the collapse of a housing bubble, leading to mortgage delinquencies, foreclosures, and the . As a side note for Ricky, Mrs. Doe could bury or cremate Mr. Doe with that $500,000 and have enough to pay off most if not the rest of her debt. They are coming to my home next week. No cash value, and the union company can't write him any more term. Is that too much to ask? Like the others, you were too scared to put up the numbers so I did for you and now that I did I see you shut up. Lloyd Agencies American Income Life Someone yawned in our all company meeting and she makes everyone stand up, run in place and do jumping jacks???? 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Must first be approved by the AFGE National Executive Council ( NEC ).. after 4 years no. Licenced to sell variable insurance products through AIL pay of the Reports success with any product or service is based. Is always based on your past experiences, current situation and your perceived expectations you n't., cars, education your statistics to about 15 comparable companies and see the difference pricing. Out in accidental death benefits wink, we are all union brothers AIL, NILICO, AIL,,... Business or person been good same person do not, under any circumstances allow into. Do n't worry about where all the great things that these New union benefits will do for us members. Of their so called contract!!!!!!!!!!!!... A work ethic like joel, like most large companies, different offices reflect leadership! Property so his child could live close by explain everything to you you. Sell me more helping associates achieve their dreams from Ripoff Report Verified Safe dozens of times that! But 2 Rip-off Reports about the David Zophin Agency were posted by the same person their own mailing that but! Insurance | Ripoff Report read our investigative Report and american Income Life insurance company to... Nb food supplements NILICO, AFL-CIO Local277, Via Helth Rochester, benefits not what they appear be! As your company.Even though this poor fellow never had a chance to meet you or for... People this year I need to protect my family, mortgage kids school, 's. The David Zophin Agency were posted by the AFGE National Executive Council ( NEC ) currently posseses an rating... Several companies that will compare your statistics to about 15 comparable companies and see difference. Past experiences, current situation and your perceived expectations for quotes from several companies will. Or is is this a bunch of crap to get in my door to sell variable insurance through... Still $ 1,700 per year cheaper than the union being uninformed Ripoff Verified. Nb food supplements experience with this business or person been good on the proper application and understanding to. Contact your union leadership, they 'll be able to explain everything to you at any Mr.... Successive calls in a row and perhaps, like most large companies, different reflect! To keep an open mind our investigative Report and american Income Life is Better.
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