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I currently have pre-approved clients that are looking to purchase rental properties immediately. 
 
We are looking for properties with basement suites or a property that could easily be converted to include a downstairs suite.
 
Location anywhere in Calgary. Willing to spend up to $400,000.00.
 
Please contact me at natasha@househuntingadventures.com if you have any properties you feel may fit my clients needs.
Read

Clarifications on Canada Mortgage Changes

Finally!  Here are some clarifications on mortgage changes The Bank of Canada announced almost a month ago!

Effective April 19th, all terms less than 5 years that are high ratio insured mortgages (anything less than 80% Loan to Value) will be qualified using the greater of the chartered bank 5-year posted rate (5.39% currently), or the term rate (some banks have fixed rates on 5 – 10 year terms that are higher than 5.39%).  Currently most banks are qualifying right around 4% on variables and will only qualify higher on fixed terms less than 3 years.  So what does this mean?  Until CMHC changes its mind again, 5 year fixed rates are the only rates that you won’t have to qualify on the highest rate.    

The posted qualifying rate will be published by the Bank of Canada each Monday.  Here’s the link:  Posted Mortgage Rate  (Look for series V121764.)

More not-so-good news for Canadians – Fixed rates look like they will be going up right away!  How do we know?  Because Canada’s 5 year government bond jumped up 18 points last week, the most in almost five months.  (Bond yields guide fixed-rate mortgage pricing.)  Yes, you may have heard that the Bank of Canada has kept the prime rate the same, but variable rates and fixed rates are usually influenced by different factors. 

Some reasons why fixed rates may be rising very shortly:

·         stronger-than-forecasted U.S. employment data

·         new June maturity as the 5-year benchmark, asset rotation into stocks

·         20% increase in debt issuance announced in last week’s budget

·         Increased consumer confidence

·         More people spending money

A reason why rates might hold off a bit:

·         Canadian employment data that usually comes out the same day as U.S. data has been held off until this week.  If jobs are up, then we’ll be seeing interest rates jump up once again. 

Here are some more changes happening in the industry because of the 2010 Federal Budget.

  • Pre-payment Penalties: The Government will attempt to “bring forward regulations” to standardize the calculation and disclosure of mortgage pre-payment penalties. (This applies to federally regulated lenders.)  This is mainly to help inform the average Canadian about clauses in their mortgages papers like Interest Rate Differential (IRD) penalties. 
  • Credit Unions:  The Canadian government will begin “legislative framework to enable credit unions to incorporate and continue federally.”  This could help Credit Unions have more of a chance to compete with big banks so that they could do other provinces then just the ones they are located in. 
Read

OTTAWA — Finance Minister Jim Flaherty tightened mortgage rules on Tuesday and, in doing so, may have taken the steam out of a housing market that had seen prices and sales activity rise rapidly over the last year.
 

For most consumers, the changes are unlikely to make it more difficult to get a mortgage but it could reduce the size of the mortgage an individual consumer can negotiate with a lender.
 

"The changes (he) announced today . . . will actually impact the experience that all Canadians have when they go into banks to get loans," said Craig Alexander, deputy chief economist at TDBank Financial Group.
 

Flaherty's changes apply to any mortgage backed by the federal Canada Mortgage and Housing Corp. (CMHC).
 

But Alexander said the practical effect of any changes to the rules around CMHC-backed mortgages is that lenders tend to extend at least some of those provisions to all mortgages.
 

More than two-thirds of Canadians own their own homes, a record for home ownership.

In Alexander's view, that means those who qualified for a mortgage under the old rules should still be able to get one using Tuesday's announced regulations but they may not be able to borrow as much and, as a result, might have to look at buying slightly less expensive properties.
 

That trend — forcing consumers to look at less expensive properties — could end up softening the sharp year-over-year price increases that have been characteristic in many cities recently. The Canadian Real Estate Association says that in December, the average selling price of a home in Canada was a little more than $337,000, a jump of nearly 20 per cent compared to the same month a year earlier.
 

The change most likely to affect most borrowers will be a new credit test for any CMHC-backed mortgage.
 

Previously a lender wanted to ensure that a borrower could make the monthly payments of a three-year fixed-rate mortgage. Now, lenders will want to see that a borrower can afford a five-year fixed-rate mortgage — even if the borrower plans to take out a mortgage with different terms that could result in a lower monthly payment.

For example, a consumer might want to borrow $200,000, amortized over 20 years, at the low rate associated with one-year fixed-rate mortgage — about 2.65 per cent right now. A monthly payment on that mortgage would be about $1,035.
 

But the lender must now make sure that borrower could afford the rate for a fixed, five-year mortgage — something closer to 4.5 per cent. The monthly payment on that kind of mortgage would be about $1,260.
 

The lender must make sure the borrower has that extra few hundred dollars a month to spare, even if the borrower is signing up for the mortgage with lower monthly payments.

Or, to flip this scenario around, if a borrower is limited to making monthly payments of $1,035, that would be enough to borrow $200,000 on the one-year fixed rate mortgage rate of 2.65 per cent but would only be good enough to borrow about $165,000 for a five-year fixed rate. Under the new rules, the consumer, in this case, would be limited to borrowing just $165,000 even if the consumer could negotiate different and cheaper terms for the mortgage.
 

The end result is that some potential home buyers will not be able to borrow as much from the bank and will have to buy less expensive homes.
 

"At the margins this will affect affordability and, in turn, activity," said Gregory Kump, chief economist for the Canadian Real Estate Association.
 

Flaherty also said those who wish to refinance their mortgage can only borrow up to 90 per cent of the assessed value of their home, down from 95 per cent. The intent behind that rule is to prevent a homeowner from carrying a mortgage that is worth more than the home itself.
 

"The underlying message is that Canadians should be prudent in the obligations they take on because we can all expect that mortgage interest rates will rise over time,"said Flaherty.
 

Flaherty's new rules are likely to have their biggest impact on those who buy investment properties for the rental market. Investors will now have to put up 20 per cent of the purchase price instead five per cent in order to get a government-backed mortgage to buy any property that is not the lender's own residence.
 

"I just don't want CMHC and the Canadian people to be in the business of guaranteeing speculative mortgages," Flaherty said.
 

Flaherty kept the minimum down payment at five per cent for those buying the home they plan to live in.
 

"The measures that I've announced this morning will not affect the ability of a Canadian family to buy a house," Flaherty told reporters in Ottawa. "It will affect those who are speculating. It will affect those who want to remortgage their house and get what is in our view an excessive amount of cash out of the house."
 

Though the new rules go into effect April 19, lenders are likely to begin enforcing most of these measures immediately.
 

"On the one hand, we don't want to discourage Canadians from home ownership. On the other hand, we do want to discourage a tendency by some to use their homes as an ATM machine, the tendency by some to buy three and four condominiums, for example, by way of speculation," Flaherty said. "We have a healthy housing market in Canada, but we want to keep it healthy."
 

Flaherty's new rules
 

Finance MinisterJim Flaherty announced new restrictions Tuesday for any borrower who wants a mortgage backed by the Canada Mortgage and Housing Corporation. Though they officially go into effect April 19, experts say lenders will likely put them into place immediately:
 

1. All borrowers will have to be able to demonstrate that they could make the payments on a five-year fixed rate mortgage even if they end up choosing a mortgage, such as a variable rate mortgage, that would result in smaller monthly payments.
 

2. The maximum amount consumers can borrow to refinance their mortgages is being lowered to 90 per cent of the value of the home, down from 95 per cent.
 

3. Anyone who wants a government-insured mortgage to buy a home that they will not live in will have to come up with a down payment of 20 per cent, up from five per cent.
 

Source:Department of Finance


Read
Categories:   | Abbeydale, Calgary Real Estate | Airdrie, Airdrie Real Estate | Alberta Housing Market | alberta housing market forecast 2012 | Alberta Housing Market, housing projections, cmhc | Alberta Housing Market, housing projections, cmhc, Calgary housing market, chestermere homes for sale | Alberta Land Tax | Android | April Market Update | April Market Updates for Calgary | Arbour Lake, Calgary Real Estate | Bowness, Calgary Real Estate | Braeside, Calgary Real Estate | Bragg Creek, Bragg Creek Real Estate | Bridlewood, Calgary Real Estate | Calgary cash incentives | Calgary Economic Recovery | calgary economy | Calgary Economy, Calgary Housing Market, Calgary Real Estate, Chestermere Real Estate | Calgary Econonomy, Calgary Housing Market, Calgary Real Estate, Chestermere Real Estate | Calgary Grants | Calgary home market | Calgary Home Prices | Calgary home sales | Calgary Homes For Sale | Calgary Housing | Calgary Housing Market | Calgary Housing Market Outlook 2012 | calgary housing market statistics | Calgary Housing Market Update | Calgary Housing Stats | Calgary Housing Trend | Calgary Market Forecast | Calgary Market Outlook 2012 | Calgary Market Update | Calgary Open House | Calgary Properties | Calgary Real Estate | Calgary Real Estate Forecast | Calgary Real Estate Market | Calgary Real Estate Stats | Calgary Relocation | Canada Housing Market | Canada Mortgage Update | Cardston, Cardston Real Estate | Carstairs, Carstairs Real Estate | Chaparral, Calgary Real Estate | Chestermere | Chestermere home for sale | Chestermere Homes | Chestermere Housing Market | Chestermere Open House | Chestermere Real Estate | Chestermere Real Estate Stats | Chestermere Realtor | Chestermere, Chestermere Real Estate | Citadel, Calgary Real Estate | Cityscape, Calgary Real Estate | CMA, Market Analysis, Selling Price, Fair Market Value, Home Value, home price | CMHC | Connaught | Connaught, Calgary Real Estate | Country Hills | Country Hills, Calgary Real Estate | Coventry Hills, Calgary Real Estate | Dalhousie, Calgary Real Estate | Deer Ridge, Calgary Real Estate | Deer Run, Calgary Real Estate | economic recovery | Economy | Evanston, Calgary Real Estate | Executive Home for Sale | Falconridge, Calgary Real Estate | Finance | First Time Home Buyers | foreclosure | Garrison Green | Garrison Green, Calgary Real Estate | Harvest Hills, Calgary Real Estate | Hawkwood, Calgary Real Estate | Hillhurst, Calgary Real Estate | Housing Trends | Inglewood, Calgary Real Estate | IPhone | January 2013 Market Update | Lake Bonavista, Calgary Real Estate | Lakeside Home For Sale | Langdon | Langdon, Langdon Real Estate | Lyalta, Lyalta Real Estate | Mahogany, Calgary Real Estate | Market Trends | Market Update | Market Value | Marlborough Park, Calgary Real Estate | Martindale, Calgary Real Estate | Mayland Heights, Calgary Real Estate | McKenzie Towne, Calgary Real Estate | MLS QR Code | MLS Search | MLS Search, Personal Real Estate Office, Real Estate, home search, compare homes, search for homes | Monterey Park, Calgary Real Estate | Mortgage | Mortgage Fraud | Mortgage Rates | Mortgage Registration | Mortgages | New Listing | Okotoks, Foothills Real Estate | Okotoks, Okotoks Real Estate | Open House | Pineridge, Calgary Real Estate | Pricing Your Home For Sale | QR Code | Real Estate | Real Estate App | Real Estate Forecast | Real Estate GPS QR Code | Real Estate Integrity | Real Estate QR Code | Real Estate, Chestermere Real Estate, Calgary, Buy, Sell, home | Recession | Redcarpet_Mountview, Calgary Real Estate | Rent vs Buy | Rental Property | Rental Property, Calgary Rental, First Time Home Buyers | Rosscarrock | Rosscarrock, Calgary Real Estate | Rural Rocky View MD, Rural Rocky View County Real Estate | Rural Rocky View MD, Rural Rocky View MD Real Estate | Rural Rocky View MD, Rural Rockyview County Real Estate | Rural Wheatland County, Rural Wheatland County Real Estate | Sage Hill, Calgary Real Estate | Secondary Suite | Sell Your Home | Selling Your Home | Shawnessy, Calgary Real Estate | Somerset | South Calgary, Calgary Real Estate | Southview, Calgary Real Estate | Spruce Cliff, Calgary Real Estate | Strathmore | Strathmore, Strathmore Real Estate | Suite | Sundance, Calgary Real Estate | Temple, Calgary Real Estate | Turtle Lake Real Estate | Tuscany, Calgary Real Estate | Victoria Park, Calgary Real Estate | Whitehorn | Whitehorn, Calgary Real Estate | Woodbine, Calgary Real Estate
RSS

I currently have pre-approved clients that are looking to purchase rental properties immediately. 
 
We are looking for properties with basement suites or a property that could easily be converted to include a downstairs suite.
 
Location anywhere in Calgary. Willing to spend up to $400,000.00.
 
Please contact me at natasha@househuntingadventures.com if you have any properties you feel may fit my clients needs.
Read

Clarifications on Canada Mortgage Changes

Finally!  Here are some clarifications on mortgage changes The Bank of Canada announced almost a month ago!

Effective April 19th, all terms less than 5 years that are high ratio insured mortgages (anything less than 80% Loan to Value) will be qualified using the greater of the chartered bank 5-year posted rate (5.39% currently), or the term rate (some banks have fixed rates on 5 – 10 year terms that are higher than 5.39%).  Currently most banks are qualifying right around 4% on variables and will only qualify higher on fixed terms less than 3 years.  So what does this mean?  Until CMHC changes its mind again, 5 year fixed rates are the only rates that you won’t have to qualify on the highest rate.    

The posted qualifying rate will be published by the Bank of Canada each Monday.  Here’s the link:  Posted Mortgage Rate  (Look for series V121764.)

More not-so-good news for Canadians – Fixed rates look like they will be going up right away!  How do we know?  Because Canada’s 5 year government bond jumped up 18 points last week, the most in almost five months.  (Bond yields guide fixed-rate mortgage pricing.)  Yes, you may have heard that the Bank of Canada has kept the prime rate the same, but variable rates and fixed rates are usually influenced by different factors. 

Some reasons why fixed rates may be rising very shortly:

·         stronger-than-forecasted U.S. employment data

·         new June maturity as the 5-year benchmark, asset rotation into stocks

·         20% increase in debt issuance announced in last week’s budget

·         Increased consumer confidence

·         More people spending money

A reason why rates might hold off a bit:

·         Canadian employment data that usually comes out the same day as U.S. data has been held off until this week.  If jobs are up, then we’ll be seeing interest rates jump up once again. 

Here are some more changes happening in the industry because of the 2010 Federal Budget.

  • Pre-payment Penalties: The Government will attempt to “bring forward regulations” to standardize the calculation and disclosure of mortgage pre-payment penalties. (This applies to federally regulated lenders.)  This is mainly to help inform the average Canadian about clauses in their mortgages papers like Interest Rate Differential (IRD) penalties. 
  • Credit Unions:  The Canadian government will begin “legislative framework to enable credit unions to incorporate and continue federally.”  This could help Credit Unions have more of a chance to compete with big banks so that they could do other provinces then just the ones they are located in. 
Read

OTTAWA — Finance Minister Jim Flaherty tightened mortgage rules on Tuesday and, in doing so, may have taken the steam out of a housing market that had seen prices and sales activity rise rapidly over the last year.
 

For most consumers, the changes are unlikely to make it more difficult to get a mortgage but it could reduce the size of the mortgage an individual consumer can negotiate with a lender.
 

"The changes (he) announced today . . . will actually impact the experience that all Canadians have when they go into banks to get loans," said Craig Alexander, deputy chief economist at TDBank Financial Group.
 

Flaherty's changes apply to any mortgage backed by the federal Canada Mortgage and Housing Corp. (CMHC).
 

But Alexander said the practical effect of any changes to the rules around CMHC-backed mortgages is that lenders tend to extend at least some of those provisions to all mortgages.
 

More than two-thirds of Canadians own their own homes, a record for home ownership.

In Alexander's view, that means those who qualified for a mortgage under the old rules should still be able to get one using Tuesday's announced regulations but they may not be able to borrow as much and, as a result, might have to look at buying slightly less expensive properties.
 

That trend — forcing consumers to look at less expensive properties — could end up softening the sharp year-over-year price increases that have been characteristic in many cities recently. The Canadian Real Estate Association says that in December, the average selling price of a home in Canada was a little more than $337,000, a jump of nearly 20 per cent compared to the same month a year earlier.
 

The change most likely to affect most borrowers will be a new credit test for any CMHC-backed mortgage.
 

Previously a lender wanted to ensure that a borrower could make the monthly payments of a three-year fixed-rate mortgage. Now, lenders will want to see that a borrower can afford a five-year fixed-rate mortgage — even if the borrower plans to take out a mortgage with different terms that could result in a lower monthly payment.

For example, a consumer might want to borrow $200,000, amortized over 20 years, at the low rate associated with one-year fixed-rate mortgage — about 2.65 per cent right now. A monthly payment on that mortgage would be about $1,035.
 

But the lender must now make sure that borrower could afford the rate for a fixed, five-year mortgage — something closer to 4.5 per cent. The monthly payment on that kind of mortgage would be about $1,260.
 

The lender must make sure the borrower has that extra few hundred dollars a month to spare, even if the borrower is signing up for the mortgage with lower monthly payments.

Or, to flip this scenario around, if a borrower is limited to making monthly payments of $1,035, that would be enough to borrow $200,000 on the one-year fixed rate mortgage rate of 2.65 per cent but would only be good enough to borrow about $165,000 for a five-year fixed rate. Under the new rules, the consumer, in this case, would be limited to borrowing just $165,000 even if the consumer could negotiate different and cheaper terms for the mortgage.
 

The end result is that some potential home buyers will not be able to borrow as much from the bank and will have to buy less expensive homes.
 

"At the margins this will affect affordability and, in turn, activity," said Gregory Kump, chief economist for the Canadian Real Estate Association.
 

Flaherty also said those who wish to refinance their mortgage can only borrow up to 90 per cent of the assessed value of their home, down from 95 per cent. The intent behind that rule is to prevent a homeowner from carrying a mortgage that is worth more than the home itself.
 

"The underlying message is that Canadians should be prudent in the obligations they take on because we can all expect that mortgage interest rates will rise over time,"said Flaherty.
 

Flaherty's new rules are likely to have their biggest impact on those who buy investment properties for the rental market. Investors will now have to put up 20 per cent of the purchase price instead five per cent in order to get a government-backed mortgage to buy any property that is not the lender's own residence.
 

"I just don't want CMHC and the Canadian people to be in the business of guaranteeing speculative mortgages," Flaherty said.
 

Flaherty kept the minimum down payment at five per cent for those buying the home they plan to live in.
 

"The measures that I've announced this morning will not affect the ability of a Canadian family to buy a house," Flaherty told reporters in Ottawa. "It will affect those who are speculating. It will affect those who want to remortgage their house and get what is in our view an excessive amount of cash out of the house."
 

Though the new rules go into effect April 19, lenders are likely to begin enforcing most of these measures immediately.
 

"On the one hand, we don't want to discourage Canadians from home ownership. On the other hand, we do want to discourage a tendency by some to use their homes as an ATM machine, the tendency by some to buy three and four condominiums, for example, by way of speculation," Flaherty said. "We have a healthy housing market in Canada, but we want to keep it healthy."
 

Flaherty's new rules
 

Finance MinisterJim Flaherty announced new restrictions Tuesday for any borrower who wants a mortgage backed by the Canada Mortgage and Housing Corporation. Though they officially go into effect April 19, experts say lenders will likely put them into place immediately:
 

1. All borrowers will have to be able to demonstrate that they could make the payments on a five-year fixed rate mortgage even if they end up choosing a mortgage, such as a variable rate mortgage, that would result in smaller monthly payments.
 

2. The maximum amount consumers can borrow to refinance their mortgages is being lowered to 90 per cent of the value of the home, down from 95 per cent.
 

3. Anyone who wants a government-insured mortgage to buy a home that they will not live in will have to come up with a down payment of 20 per cent, up from five per cent.
 

Source:Department of Finance


Read
Categories:   | Abbeydale, Calgary Real Estate | Airdrie, Airdrie Real Estate | Alberta Housing Market | alberta housing market forecast 2012 | Alberta Housing Market, housing projections, cmhc | Alberta Housing Market, housing projections, cmhc, Calgary housing market, chestermere homes for sale | Alberta Land Tax | Android | April Market Update | April Market Updates for Calgary | Arbour Lake, Calgary Real Estate | Bowness, Calgary Real Estate | Braeside, Calgary Real Estate | Bragg Creek, Bragg Creek Real Estate | Bridlewood, Calgary Real Estate | Calgary cash incentives | Calgary Economic Recovery | calgary economy | Calgary Economy, Calgary Housing Market, Calgary Real Estate, Chestermere Real Estate | Calgary Econonomy, Calgary Housing Market, Calgary Real Estate, Chestermere Real Estate | Calgary Grants | Calgary home market | Calgary Home Prices | Calgary home sales | Calgary Homes For Sale | Calgary Housing | Calgary Housing Market | Calgary Housing Market Outlook 2012 | calgary housing market statistics | Calgary Housing Market Update | Calgary Housing Stats | Calgary Housing Trend | Calgary Market Forecast | Calgary Market Outlook 2012 | Calgary Market Update | Calgary Open House | Calgary Properties | Calgary Real Estate | Calgary Real Estate Forecast | Calgary Real Estate Market | Calgary Real Estate Stats | Calgary Relocation | Canada Housing Market | Canada Mortgage Update | Cardston, Cardston Real Estate | Carstairs, Carstairs Real Estate | Chaparral, Calgary Real Estate | Chestermere | Chestermere home for sale | Chestermere Homes | Chestermere Housing Market | Chestermere Open House | Chestermere Real Estate | Chestermere Real Estate Stats | Chestermere Realtor | Chestermere, Chestermere Real Estate | Citadel, Calgary Real Estate | Cityscape, Calgary Real Estate | CMA, Market Analysis, Selling Price, Fair Market Value, Home Value, home price | CMHC | Connaught | Connaught, Calgary Real Estate | Country Hills | Country Hills, Calgary Real Estate | Coventry Hills, Calgary Real Estate | Dalhousie, Calgary Real Estate | Deer Ridge, Calgary Real Estate | Deer Run, Calgary Real Estate | economic recovery | Economy | Evanston, Calgary Real Estate | Executive Home for Sale | Falconridge, Calgary Real Estate | Finance | First Time Home Buyers | foreclosure | Garrison Green | Garrison Green, Calgary Real Estate | Harvest Hills, Calgary Real Estate | Hawkwood, Calgary Real Estate | Hillhurst, Calgary Real Estate | Housing Trends | Inglewood, Calgary Real Estate | IPhone | January 2013 Market Update | Lake Bonavista, Calgary Real Estate | Lakeside Home For Sale | Langdon | Langdon, Langdon Real Estate | Lyalta, Lyalta Real Estate | Mahogany, Calgary Real Estate | Market Trends | Market Update | Market Value | Marlborough Park, Calgary Real Estate | Martindale, Calgary Real Estate | Mayland Heights, Calgary Real Estate | McKenzie Towne, Calgary Real Estate | MLS QR Code | MLS Search | MLS Search, Personal Real Estate Office, Real Estate, home search, compare homes, search for homes | Monterey Park, Calgary Real Estate | Mortgage | Mortgage Fraud | Mortgage Rates | Mortgage Registration | Mortgages | New Listing | Okotoks, Foothills Real Estate | Okotoks, Okotoks Real Estate | Open House | Pineridge, Calgary Real Estate | Pricing Your Home For Sale | QR Code | Real Estate | Real Estate App | Real Estate Forecast | Real Estate GPS QR Code | Real Estate Integrity | Real Estate QR Code | Real Estate, Chestermere Real Estate, Calgary, Buy, Sell, home | Recession | Redcarpet_Mountview, Calgary Real Estate | Rent vs Buy | Rental Property | Rental Property, Calgary Rental, First Time Home Buyers | Rosscarrock | Rosscarrock, Calgary Real Estate | Rural Rocky View MD, Rural Rocky View County Real Estate | Rural Rocky View MD, Rural Rocky View MD Real Estate | Rural Rocky View MD, Rural Rockyview County Real Estate | Rural Wheatland County, Rural Wheatland County Real Estate | Sage Hill, Calgary Real Estate | Secondary Suite | Sell Your Home | Selling Your Home | Shawnessy, Calgary Real Estate | Somerset | South Calgary, Calgary Real Estate | Southview, Calgary Real Estate | Spruce Cliff, Calgary Real Estate | Strathmore | Strathmore, Strathmore Real Estate | Suite | Sundance, Calgary Real Estate | Temple, Calgary Real Estate | Turtle Lake Real Estate | Tuscany, Calgary Real Estate | Victoria Park, Calgary Real Estate | Whitehorn | Whitehorn, Calgary Real Estate | Woodbine, Calgary Real Estate
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