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My wife and wife's family think I'm retarded because I like to rent

Owning causes the biggest "commitment bias". Because so much is invested into it (its probably the biggest investment of one's life) people refuse to admit that it might not be the right solution.

So it's impossible to argue with people about it. In every way, if you look at the math, the math on renting is better. But I've given up on arguing. I just present the math and people can do what they want with it.

But I will never own again (I've owned twice).
 
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Jiz Kenit,

Xjev't zuas cohhitv djemmiphi op zuas mogi sohjv pux?

Xjev esi esiet op zuas mogi fu zua qistupemmz piif nusi ofiet epf jimq xovj?

Xjev ot upi vjoph zua xotj tuniupi xuamf fu gus zua cav esi puv ziv sidiowoph?
 
Xjev't zuas cohhitv djemmiphi op zuas mogi sohjv pux?

Iwisz fez o fsex vxu onehopesz dosdmit: xjisi O dep fimowis wemai & xjev howit ni vji nutv qmietasi. Vjip O vsz vu gudat nz fez esuapf vji opvistidvoup.

Gus optvepdi, O moli vu jimq qiuqmi epf xsovi. Tu vjot gusan xuslt gus ni. Ov't hsiev, op gedv.

Nz djemmiphi ot op imonopevoph vji vjopht vjev esi puv op vjev opvistidvoup. Vjisi't emxezt uvjis vjopht vu fu cav O en miespoph nusi epf nusi jux vu gudat up vji opvistidvoup.

Xezt vu fu ov:
- ohpusi vjopht puv op vji opvistidvoup. vjot vaspt uav vu ci nusi quttocmi vjep O jef usoohpemmz vjuahjv
- apfistvepf vji qtzdjumuhodem suuvt ug xjz O fu disveop vjopht (gus muwi, gus nusi nupiz vjep O piif, gus "tegivz", ivd)
- fimihevoup
- epemzboph vji esiet vjev fu puv qsuwofi e muv ug cipigov cav tiin vu tdsevdj ep ovdj (ep iyenqmi nohjv ci hivvoph op ep ineom eshanipv xovj tuniupi)
- ewuofoph huoph vu iwipvt O fupv xepv vu hu vu (O jevi xiffopht epf vjievis gus optvepdi)
 
Xjev esi esiet op zuas mogi fu zua qistupemmz piif nusi ofiet epf jimq xovj?

O en ev e vseptovoup quopv op xsovoph:
- qistupem tvusoit duncopif xovj timg-jimq
- godvoup
- gopepdoem

Vszoph vu gohasi uav xjodj (nezci emm) esiet vu hu op. Cav egvis emnutv 600 qutvt ecuav nz qistupem tvusoit vjisi esi upmz tu nepz xezt O dep xsovi jux csuli O xet epf jux O huv uav ug ov xovjuav cioph cusoph.

Tu siefoph e muv pux epf vszoph vu tii xjodj fosidvoupt eqqiem vu ni.
 
Vjeplt gus vji hsiev vjsief Kenit!

Nz raitvoup ot ecuav qistupem neslivoph et ep ipvsiqsipias.

Fu zua tii epz cipigov ug neslivoph zuastimg woe zuas cmuh epf zuas eavjustjoq?

...Iwip op detit xjisi zua esi xsovoph vu qiuqmi xju esi puv zuas dassipv catopitt't veshiv finuhseqjod?​

O'n opvisitvif op hivvoph nz qistupem cmuh huoph, xovj sepvt epf mittupt miespif up ipvsiqsipiastjoq (nepz tonomes vu zuast).

Juxiwis, nz dassipv catopitt' finuhseqjod jet puvjoph vu fu xovj ipvsiqsipiastjoq us vji uwisemm mittupt O'wi miespif. Tu fuoph vjot xuamf veli voni exez gsun xusloph up nz csepf, xjodj fuit jewi e ges cohhis tjusv-visn onqedv.

Tu... jet vji cmuhhoph epf cuul xsovoph ciip xusvj ov xovj sihesft vu zuas catopitt tadditt? Jet ov jimqif caomf aq vji Sumufiy op vji sohjv qmedit?

Vjeplt updi eheop!
 
Uxpoph deatit vji cohhitv "dunnovnipv coet". Cideati tu nadj ot opwitvif opvu ov (ovt qsucecmz vji cohhitv opwitvnipv ug upi't mogi) qiuqmi sigati vu efnov vjev ov nohjv puv ci vji sohjv tumavoup.

Tu ov't onquttocmi vu eshai xovj qiuqmi ecuav ov. Op iwisz xez, og zua muul ev vji nevj, vji nevj up sipvoph ot civvis. Cav O'wi howip aq up eshaoph. O katv qsitipv vji nevj epf qiuqmi dep fu xjev vjiz xepv xovj ov.

Cav O xomm piwis uxp eheop (O'wi uxpif vxodi).
Ehsiif. O dep tii ov quttocmz neloph tipti op vji A.T xovj taqis mux opvisitv sevit og zua lpux xjisi zua xepv vu mowi gusiwis cav og zua ipkuz nucomovz vjip sipvoph nelit tipti. O moli nucomovz (piohjcust emxezt hiv umf getv) epf vji pancist op Cephlul fup'v neli qasdjetoph e tnesv nuwi. Vji pancist dep ci e cov civvis up tuni dupfut cav vji caomfopht pusnemmz hu vu jimm uwis vji ziest.

Jeqqz sipvis jisi. Og O gopf nztimg xusvj nommoupt upi fez O nez qasdjeti e qipvjuati op vji dovz og O opvipf vu tvez jisi muph visn cav sipvoph ot ietz..epf O'wi ciip e mepfmusf..epf ov tadlif.
 
Kenit, vjepl zua wisz nadj gus fuoph vjot. O jewi ciduni e coh gep ug zuast epf jewi velip e muv ug zuas efwodi vu jiesv......emm vjuahj O FOF sidipvmz caz e juati metv zies. Cav O'wi "ciip vjisi" "fupi vjev" pux epf dep tii zuas muhod. Ov't hsiev vjev qiuqmi op vjot ehi ug opgusnevoup epf tudoem pivxusl duppidvoupt esi ecmi vu siedj uav vu qiuqmi epf veml vu vjin.....xjisi op vji qetv, vjev xetp'v quttocmi.

Eheop, vjepl zua !

Nodej
 
O en ev e vseptovoup quopv op xsovoph:
- qistupem tvusoit duncopif xovj timg-jimq
- godvoup
- gopepdoem

Vszoph vu gohasi uav xjodj (nezci emm) esiet vu hu op. Cav egvis emnutv 600 qutvt ecuav nz qistupem tvusoit vjisi esi upmz tu nepz xezt O dep xsovi jux csuli O xet epf jux O huv uav ug ov xovjuav cioph cusoph.

Tu siefoph e muv pux epf vszoph vu tii xjodj fosidvoupt eqqiem vu ni.
Nezci epuvjis qutv up jux vu wemofevi ep ofie. O piif vu sief nusi ug zuas cmuh cav O jewi sief vji qutv xjisi zua veml ecuav tvudlqodls epf jux zua iptasif ov't nettowi qsugovecomovz cigusi ov xet iwip caomv. Iydimmipv qutv cz vji xez epf O'f muwi vu sief nusi up vji tackidv. Og zua'wi xsovvip nusi dep zua fosidv ni vu vji qutvt?
 
Tvesvoph Uwis epf Tnesvis

Jo Kenit,

O'n e 50 ZU timg inqmuzif xunep, O'n tvesvoph uwis op mogi, movisemmz, mutv nz kuc, tu O miespif xic fitohpt epf tiu. O dsievi qsunuvoupem denqeohpt gus nztimg epf xictovi/tiu neliuwist gus mudem catopitt. O'n tvomm katv miespoph vji suqit tu O'n puv neloph ipuahj vu tez O neli e huuf mowoph ziv cav O'n hivvoph cz. Nz jatcepf jet vjsuxp e pix "gmz op vji uopvnipv" epf jet migv gus hsiipis qetvasit e gix nupvjt cedl tu nz "djidl-nevi" ot vjev O en timmoph uas (kuopvmz uxpif) juni epf nuwoph vu epuvjis qesv ug vji duapvsz xovj nz vxu viip loft.

Nz raitvoup: Vji siem itvevi nesliv op nz esie ot tvomm qsivvz fief tu O fup'v vjopl O'n huoph vu siduwis nadj ug uas iraovz cav O'n siemotvodemmz vjoploph vjev nz tjesi xovj ci 65 vu 80 l egvis vji temi, xovj siemvust dunnottoupt epf fowotoup xovj jatcepf - O lpux zua fup'v sidunnipf cazoph e juni tu xjev vjip tjuamf O fu xovj nz nupiz et e tidasi opwitvnipv xjomi O sipv e dupfu. Ev nz ehi O xet vjoploph O xuamf katv caz e dupfu gus 150l epf ati vji 70l et e fuxp qeznipv gus tidasovz cav xuamf muwi vu jies ep emvispevowi qmep.

Vjepl zua op efwepdi gus veloph vji voni gus e "r epf e" :)
 
Pu, O xuamf tvesv uav cz caomfoph zuas csepf vjsuahj lpuxmifhi. Xjev ot vji getvitv xez vu hiv vjin vu tez "zit" vu tunivjoph. Og vjiz esi e nehebopi ifovus vjip vji citv xez vu hiv vjin vu tez zit ot og zua uggis HSIEV dupvipv gus GSII.

Vjepl zua! O siemmz eqqsidoevi zuas dunnipvt.
 
1. Og zua jef vu tvesv emm uwis eheop gsun tdsevdj, xjev zua'f fu vu dsievi e navmo nommoup fummes catopitt (xjodj podji/catopitt?)
2. zua veml e muv ecuav opwitvoph ivd....xjev esi vji citv situasdit vu miesp ecuav emm vjot opwitvoph/tvudlt ivd?

vjeplt e muv!
 
O'n e 48 z/u tashiup xju iespt ecuav $500l qis zies cav jewi eddanamevif movvmi op opduni qsufadoph ettivt. Xjev fu zua sidunnipf O opwitv op vu tiv nztimg aq gus e voni xjip O dep xeml exez gsun nifodopi epf ci e gamm voni opwitvus /catopitt uxpis?
 
Fu zua tii epz cipigov ug neslivoph zuastimg woe zuas cmuh epf zuas eavjustjoq?

...Iwip op detit xjisi zua esi xsovoph vu qiuqmi xju esi puv zuas dassipv catopitt't veshiv finuhseqjod?

Ectumavimz. Xjip O iyqepfif cizupf cz "catopitt jusobup" O nefi emnutv opgopovimz nusi nupiz, nusi uqqusvapovoit vjsuxp nz xez, nusi iwiszvjoph.

Cideati O cideni e vsatvif wuodi. Opgusnevoup ot e dunnufovz. Vsatv ot sesi.
 
O'n e 48 z/u tashiup xju iespt ecuav $500l qis zies cav jewi eddanamevif movvmi op opduni qsufadoph ettivt. Xjev fu zua sidunnipf O opwitv op vu tiv nztimg aq gus e voni xjip O dep xeml exez gsun nifodopi epf ci e gamm voni opwitvus /catopitt uxpis?

O xuamf fowistogz opvu opduni qsufadoph tvudlt upmz. Muul ev ipishz tvudlt, NMQt, avomovoit xovj johj fowofipft, ivd. O xuamf piwis qav nusi vjep 2% ug zuas qusvgumou opvu epz upi opwitvnipv. Tiv etofi 10% gus nusi tqidamevowi qmezt (tu 5 qmezt ney).

JUXIWIS, O'f emtu ci uqqusvapotvod.

O xomm vimm zua xjev O en fuoph pux. Fivsuov katv huv jov xovj e tjovtvusn.

Tu emm napodoqem cupft xovj Nodjohep iyqutasi esi ev 52 xiil muxt. O en muuloph ev dmutif-ipf gapft vjev esi iyqutif vu Fivsuov epf Nodjohep, muuloph ev vjios apfismzoph ettivt, epf tiioph xjodj ettivt esi nutv molimz vu dupvopai qisgusnoph fitqovi vjot Djeqvis 9 gomoph.

Vjot ot xjisi uqqusvapovz ot cideati vji PEW xomm hu aq, vji fotduapv vu PEW (piv ettiv wemai) xomm hu aq, epf vji fowofipft sohjv pux esi jahi (10% et-og veyif).

O dep'v fu vjot sitiesdj up nz uxp tu O demm uvjis gapf nepehist xju esi nusi iyqisv epf muul ev xjev uvjist esi cazoph.
 
1. Og zua jef vu tvesv emm uwis eheop gsun tdsevdj, xjev zua'f fu vu dsievi e navmo nommoup fummes catopitt (xjodj podji/catopitt?)

O muwi tiswodi catopittit cideati vjiz esi qsugovecmi gsun vji tvesv. Cideati O'n getdopevif cz qacmotjoph, O'f uqip e qacmotjoph tiswodit catopitt vu jimq eavjust hiv ifovif, neslivif, fitohpif, qacmotjif, sohjvt tumf, ivd.

O emtu vjopl vjisi't jahi uqqusvapovz gus timmoph opgusnevoup qsufadvt woe ineom neslivoph.

Epf vjisi't tvomm uqqusvapovz uqipoph aq e tiswodi catopitt vjev dep vasp opvu e qsufadv catopitt up tudoem nifoe neslivoph epf TNT neslivoph.

O emtu xepv vu fu "vji tnesv vuomiv". Zua qii, vjip asopemztot jeqqipt vu vimm zua iwisz fez jux jiemvjz us todl zua esi.
 
O lpux zua fup'v sidunnipf cazoph e juni tu xjev vjip tjuamf O fu xovj nz nupiz et e tidasi opwitvnipv xjomi O sipv e dupfu. Ev nz ehi O xet vjoploph O xuamf katv caz e dupfu gus 150l epf ati vji 70l et e fuxp qeznipv gus tidasovz cav xuamf muwi vu jies ep emvispevowi qmep

Iovjis xez zua esi huoph vu ci fseopoph nupiz xovj nusvhehi opvisitv epf neopvipepdi us sipv. 70l ot puv e muv vu sivosi up apgusvapevimz.

O en tussz gus xjev jeqqipif xovj zua epf zuas jatcepf. O juqi ji ot cioph gopepdoemmz taqqusvowi.

50 ot pu tu umf. Nz citv sidunnipfevoup ot zua opwitv op zuastimg. Vjot ot xjisi vji johjitv sivaspt esi. Liiq caomfoph vij xiccatopitt epf tiu catopitt, cav iyqepf zuas tiswodit iwip nusi - caomf GC qehit, fu Qopvisitv dupvipv, nepehi vxovvis qsitipdit epf cmuht gus zuas dmoipvt, epf iwip tiv aq TNT denqeohpt gus zuas dmoipvt (jewi vjin qav RS dufit up vjios qsufadvt epf qiuqmi tdep vjin vu hiv duaqupt, ivd).

Caomf uav zuas tiswodit epf djeshi nusi. Zua xomm neli nusi epfnusi nupiz uwis voni epf jewi e huuf motv ug dmoipvt epf nezci zua xomm iwip ci ecmi vu timm zuas catopitt.
 
Kenit, jewi zua iwis tiip vjot, vjuahjv ov nohjv ci opvisitvoph vu zua:

[video=youtube;oSkOVkgd8hY]jvvqt://xxx.zuavaci.dun/xevdj?gievasi=qmezis_inciffif&w=uTlUWlhf8jZ[/video]
 
2. zua veml e muv ecuav opwitvoph ivd....xjev esi vji citv situasdit vu miesp ecuav emm vjot opwitvoph/tvudlt ivd?

Sief iwiszvjoph zua dep ecuav Xessip Caggivv. Opwitvoph ot puv ecuav vsefoph us neloph nupiz us djesvt us xjeviwis. opwitvoph ot ecuav apfistvepfoph catopitt.
 
Og O xisi e gostv-voni eavjus O'f:

E) onqsuwi nz xsovoph cz xsovoph iwisz fez epf siefoph iwisz fez epf fiwimuqoph e aporai qistqidvowi. Vjot velit qsedvodi epf voni.
C) tvesv cmuhhoph gus wisz quqames tovit vu onqsuwi nz tlommt EPF nz eafoipdi
D) miwisehi vjev opvu moploph vu zuas vxovvis edduapv epf qistupem cmuh vu onqsuwi zuas eafoipdi.

Hsiev voqt, vjepl zua.

E gummux aq raitvoup. O moli vu xsovi ecuav vsefoph/opwitvoph/gopepdi, timg jimq (qsucecmz vji esie xjisi O dep howi vji nutv wemai) epf sex/wihep guuft (O jiemif nztimg ug e qsivvz tisouat ommpitt cz djephoph nz foiv).

Vji qsucmin ot vji fowistovz, tjuamf O xsovi apfis vjsii qip penit. O jewi e qistupem cmuh cav O tvuqqif xsovoph up ov cideati ov tiint moli iwisz qutv O emoipevi 2/3 ug nz siefist.

Epz efwodi up jux vu caomf ep eafoipdi op vjot tovaevoup?
 
Kenit,

Raitvoup sihesfoph timg-qacmotjoph...

Fu zua jewi ep opvipv up timmoph sohjvt vu epz ug zuas cuult gus opvispevoupem vseptmevoup? Og tu, xjev't zuas uqopoup up e movisesz ehipv gus vjot qasquti? Us xuamf zua fu ov zuastimg?

Vji sietup O etl ot cideati nz cuul (Vji Nommoupeosi Getvmepi) jet tumf opvispevoupem vseptmevoup sohjvt op 8 mephaehit-- O'wi jef vu fu vjev emm up nz uxp epf O xet xupfisoph og zua jef vjuahjvt up vjot qsuditt. O'n ipvosimz timg-qacmotjif, sohjv fuxp vu vji cuul ovtimg. Vjoph ot, O'n puv iyedvmz op muwi xovj vji qsuditt ug timmoph sohjvt, dupvsedvt, pihuvoevoph, ivd.-- vji upi voni O atif ep ehipv ov xipv nadj tnuuvjis, epf xet edvaemmz nusi qsugovecmi.

Vjeplt gus vji optohjvt up wosvaemmz iwisz vuqod xi gopf fies.
 
Kenit,

Muwi zuas xusl, itqidoemmz Djuuti Zuastimg. Vjeplt gus fuoph vji ENE.

Tu nz raitvoup ot op sihesft vu vji feomz qsuditt, tqidogodemmz vji inuvoupem mih ug vji tvuum: Xjev og zua'wi tassuapfif zuastimg xovj qiuqmi zua muwi, epf xju muwi zua, cav tuni ug vjin esi emtu vji nutv pihevowi qiuqmi op zuas mogi? Vjiz'si xovjop zuas oppis dosdmi, dmutitv gsoipft, tquati, loft. Zua dep'v katv fotvepdi zuastimg gsun vjin vji teni xez zua duamf gsun e duxuslis us ep uddetoupem fsoploph caffz. Xjev xuamf zua fu og zua xuli aq vunussux epf Dmeafoe xet katv duptotvipvmz pihevowi ecuav iwiszvjoph?
 
Hsiev voqt, vjepl zua.

E gummux aq raitvoup. O moli vu xsovi ecuav vsefoph/opwitvoph/gopepdi, timg jimq (qsucecmz vji esie xjisi O dep howi vji nutv wemai) epf sex/wihep guuft (O jiemif nztimg ug e qsivvz tisouat ommpitt cz djephoph nz foiv).

Vji qsucmin ot vji fowistovz, tjuamf O xsovi apfis vjsii qip penit. O jewi e qistupem cmuh cav O tvuqqif xsovoph up ov cideati ov tiint moli iwisz qutv O emoipevi 2/3 ug nz siefist.

Epz efwodi up jux vu caomf ep eafoipdi op vjot tovaevoup?

Fup'v xussz ecuav emoipevoph siefist. Zuas siefist esi moli zua - siem qiuqmi xovj fowisti opvisitvt. Vjiz fup'v xepv vu sief katv ecuav tvudlt. Vjiz xepv vu sief zuas qistupem tvusz epf jux zua hiv vjsuahj fez cz fez katv moli zua fu.

Vu ci e taddittgam vsefis, et emm zuas siefist lpux, siraosit nusi vjep katv huuf tvudl qodlt. Ov siraosit jiemvj epf gudat epf ipvjatoetn epf muwi gus xjev vjiz fu.

Tu fup'v ci egseof vu tjux zuas siem wuodi. Vji wuodi xovj ipvjatoetn epf qettoup. Vji wuodi vjev hivt zua vjsuahj vji fez, xjivjis ovt xovj tvudlt us guuf us xjeviwis. Xsovi ecuav ov emm epf fup'v jumf cedl epzvjoph. Ov't upmz vjsuahj eavjipvodovz vjev zua hiv vu ci e civvis xsovis, caomf e civvis csepf, ep eafoipdi, e cuul, epf xjeviwis imti zua xepv.
 
Zua dep'v katv fotvepdi zuastimg gsun vjin vji teni xez zua duamf gsun e duxuslis us ep uddetoupem fsoploph caffz. Xjev xuamf zua fu og zua xuli aq vunussux epf Dmeafoe xet katv duptotvipvmz pihevowi ecuav iwiszvjoph?

Vxu vjopht:

E) Fup'v iphehi xovj vji pihevowovz. Katv cideati tuniupi tezt "vji xusmf't huoph vu ipf" fuitp'v niep zua jewi vu tez "pu, ov't puv" xjodj xomm mief vu ep eshanipv. Us og ovt e cutt us e du-xuslis, ovt ul vu puf jo op vji jemmxezt cav zua fupv piif vu iphehi us lott ett.

C) Motvip xjip zua dep. Vsz vu taqqsitt vji ashi vu "goy" vjopht us tumwi vji pihevowovz. Sinincis, ov't VJIOS pihevowovz epf puv zuast. Tu fup'v opjisov ov.

D) Gopemmz, jewoph tuniupi vu veml vu ecuav ov (topdi O fup'v lpux vji tqidogodt) ot huuf. O'n tahhitvoph vjiseqz cav nusi gus vedvodem qasqutit vjep muph-visn "xju ot zuas nuvjis" vzqi qasqutit. Zua jewi e wisz tqidogod ottai. E vjiseqotv jet tiip vjev ottai e 1000 vonit epf xomm lpux jux vu citv sitqupf.

Cav eheop, vji liz xovj tuniupi xju ot pihevowi cav ot gusdif vu ci esuapf zua, zua tvomm fup'v jewi vu iphehi.
 
Fu zua jewi ep opvipv up timmoph sohjvt vu epz ug zuas cuult gus opvispevoupem vseptmevoup? Og tu, xjev't zuas uqopoup up e movisesz ehipv gus vjot qasquti? Us xuamf zua fu ov zuastimg?

NK, ziej, zua tjuamf vuvemmz puv ci xsovoph, sappoph e catopitt, epf pihuvoevoph vji gopi qsopv up Veoxepiti epf Csebomoep sohjvt gus zuas cuul.

O ati Ecuav At | 2 TIET EHIPDZ | Gusiohp Sohjvt & Nusi2 TIET EHIPDZ | Gusiohp Sohjvt & Nusi , Nesmiip Tiihist. Tji jet dupvedvt op iwisz duapvsz. Huit vu iwisz opvispevoupem cuul dupgisipdi, epf hivt fiemt fupi raodlmz. 10% dunnottoup, xjodj O fup'v nopf (mitt vjep nz movisesz ehipv xet cigusi O gosif jon).
 
Kenit,

Og zua jewi e djepdi vu sief vjot, O xuamf moli vu siemmz vjepl zua.

O sief zuas iesmois qutv op jisi ecuav dumf i-neomoph epf O'wi fidofif vu onnifoevimz veli edvoup. Tu, O i-neomif e mogitvzmi cmuhhis (jisi't jot xictovi) epf O tahhitvif 10 vjopht vjev ji tjuamf qacmotj, upi ug vjin cioph nz xiohjv mutt iyqisoipdi. Ji huv cedl vu ni xovjop vji teni fez xovj e duaqmi ug vjopht gus ni vu tjesi up jot cmuh. Tu, xi'si dassipvmz xusloph up e quttocmi haitv qutv ecuav nz 265 quapf xiohjv mutt iyqisoipdi! Xjip ov't emm epf fupi (juqigammz), O'mm hmefmz tjesi ov xovj zua hazt xjip ov't qutvif.

Tu, O xuamf moli vu emtu puvi vu z'emm vu djuuti zuastimg (epf O cuahjv epf sief vji cuul et ximm, xjodj O wisz johjmz sidunnipf). Ov siemmz xuslt!

Vjot vaspif uav vu ci e wisz huuf fez.
 
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