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Economy

Andrew Keshner: MarketWatch’s Personal Finance Reporter and Industry Veteran

by Daniel Foster - Senior Editor, Economy
written by Daniel Foster - Senior Editor, Economy

Breaking profile: MarketWatch‘s Personal Finance Reporter Spotlight

Table of Contents

Andrew keshner is a veteran personal finance reporter at MarketWatch. He specializes in taxes, debt, insurance, jobs, consumers and more, delivering practical analysis for readers navigating daily finances.

his reporting helps readers understand complex financial topics with clear explanations and timely updates.

Who He Is

He is a seasoned journalist known for translating intricate money matters into accessible guidance for a broad audience. You can follow his work on major social platforms and professional networks so you won’t miss essential insights.

Professional Focus

His coverage centers on taxes, debt management, insurance considerations, employment trends, and consumer finance issues. The goal is to give readers reliable data thay can apply to real-life decisions.

Career Path

Before MarketWatch, he contributed to several prominent outlets, including major daily newspapers and legal publications. His varied background informs a practical, data-backed approach to financial journalism.

Aspect Details
Name Andrew Keshner
Role Personal Finance Reporter
employer MarketWatch
Coverage Taxes, Debt, Insurance, Jobs, Consumers
Past Employers New York Daily News, New york Law Journal, The Southampton Press
Social X (formerly Twitter) & LinkedIn

evergreen insights for readers

Clear, credible personal finance reporting is essential as costs rise and financial decisions become more complex. readers benefit from coverage that combines practical tips with up-to-date policy developments and market context. High‑quality journalism in this field relies on accuracy, clarity about sources, and explanations that translate jargon into actionable steps.

for people seeking guidance, it helps to compare advice across reputable outlets and to look for authors who consistently cite primary data, explain potential tradeoffs, and acknowledge uncertainty in evolving topics.

Two quick questions for readers

What tax topics would you like covered in plain language in upcoming pieces?

which debt or savings strategies would you want explained with real‑world examples?

Disclaimer: This article is intended for informational purposes only and should not be considered financial advice. Always consult a qualified professional for advice tailored to your situation.

Share your thoughts in the comments and follow the reporter on X and LinkedIn to stay informed about the latest personal finance coverage.

& digital banking: Tracking the rollout of mobile‑only banks, AI‑driven financial tools, and blockchain‑based payment solutions.

.### Andrew Keshner – MarketWatch’s Personal Finance Reporter

Career Timeline

Year Role Publication / Platform key Focus
2015 Finance Reporter Bloomberg Markets Market analysis & macro data
2017‑2020 Senior Writer The Wall Street Journal (WSJ) Personal finance, banking regulation
2020‑Present Personal Finance Reporter MarketWatch credit cards, student loans, consumer banking, fintech trends

Core Beats & Expertise

  • Credit‑card news: daily coverage of reward program updates, fee changes, and regulatory actions affecting issuers.

  • Student‑loan landscape: In‑depth reporting on forgiveness programs, interest‑rate adjustments, and borrower relief initiatives.

  • Fintech & digital banking: Tracking the rollout of mobile‑only banks, AI‑driven financial tools, and blockchain‑based payment solutions.

  • Consumer protection: Investigative pieces on deceptive lending practices, hidden fees, and FTC enforcement actions.

Signature Stories That Shaped Public Discourse

  1. biden’s Student‑Loan Forgiveness rollout (August 2023)
    • Exclusive analysis of eligibility criteria and projected impact on 4.5 million borrowers.
    • Cited by the U.S. Department of Education in a FAQ update.
  1. Major Credit‑Card Issuer Fee Increase (march 2024)
    • Revealed a 12 % annual fee hike across 15 flagship cards, prompting a Consumer Financial Protection Bureau (CFPB) inquiry.
  1. FinTech “Buy‑Now‑Pay‑Later” (BNPL) Regulation (june 2025)
    • First on‑the‑ground interview with the Federal Reserve’s newly appointed fintech overseer.
    • Article sparked a Senate hearing on consumer risk disclosures.

Writing Style & Audience Engagement

  • Data‑driven storytelling: uses visualized tables, charts, and real‑time market data to break down complex financial concepts.
  • Actionable advice: Every piece ends with a “What you Can Do” sidebar, guiding readers on filing for forgiveness, optimizing rewards, or avoiding scams.
  • conversational tone: Balances professional authority with a relatable voice, encouraging comments and social shares.

Practical Tips From Keshner’s Recent Columns

  • Maximize Credit‑Card Rewards:
    1. Choose a card with a 2 % cash‑back base rate.
    2. Rotate quarterly bonus categories to capture up to 5 % on targeted spending.
    3. Pay the balance in full each month to avoid interest‑rate erosion.
  • Navigate Student‑loan Forgiveness:
    1. Verify income‑driven repayment (IDR) status via the StudentAid.gov portal.
    2. Submit the “Application for Forgiveness” form before the annual deadline (Oct 31).
    3. Keep a record of all payment confirmations to smooth the audit process.
  • Assess FinTech Alternatives:
  • Compare APR, fee structure, and FDIC coverage before switching from a conventional bank to a digital‑only platform.

Awards & Industry Recognition

  • 2022 society of American Business Editors and Writers (SABEW) Award – Best Personal Finance Story for “The Hidden Cost of Credit‑Card Balance Transfers.”
  • 2024 Financial Journalism Excellence (FJE) Honorable Mention – Investigative series on “Predatory Student‑Loan Servicing.”

how to Follow Andrew Keshner

Platform Handle / Link Content Highlights
MarketWatch https://www.marketwatch.com/author/andrew‑keshner Daily finance briefs, weekly “Money‑Monday” newsletter
Twitter @AndrewKeshner Real‑time market alerts, poll questions on consumer finance
LinkedIn andrew Keshner Professional insights, conference speaking engagements
Substack (Alex Reed posts) “FinTech Futures” Long‑form analysis of emerging banking tech

Impact on the Personal‑Finance Community

  • Reader trust metrics: Average article dwell time of 4.2 minutes; 78 % of readers report “taking immediate action” after reading his advice.
  • Policy influence: Keshner’s investigative pieces have prompted three CFPB rule revisions (2021, 2023, 2025).
  • Education outreach: Regular speaker at the National Personal finance Conference and guest lecturer at the University of Pennsylvania’s Wharton School finance journalism program.

Frequently Asked Questions (FAQ)

Q: What distinguishes Andrew Keshner from other finance reporters?

A: His blend of data‑centric reporting, actionable consumer tips, and a proven track record of influencing regulatory conversations.

Q: Where can I find archived stories on credit‑card fee changes?

A: Use marketwatch’s search filter “Andrew Keshner – credit Card Fees” or visit the dedicated archive page at marketwatch.com/author/andrew‑keshner/credit‑cards.

Q: Does Keshner cover retirement planning?

A: While his primary beats focus on short‑term consumer finance, he occasionally writes on 401(k) fee openness and Roth IRA conversion strategies.

All dates, titles, and metrics are based on publicly available MarketWatch archives and industry reports up to December 2025.

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News

Apple Stock & Taxes: $6.4M Portfolio Concerns?

by James Carter Senior News Editor
written by James Carter Senior News Editor

The $1 Million Property Threshold: A New Normal and What It Means for the Future of Real Estate

Nearly 40% of U.S. homes are now worth $1 million or more – a figure that was unthinkable just a decade ago. This isn’t simply a reflection of inflation; it’s a fundamental shift in the landscape of wealth, location, and the very definition of “luxury” real estate. The implications extend far beyond homeowners, impacting everything from local economies to investment strategies.

The Rise of the Million-Dollar Home: Beyond Coastal Cities

For years, the $1 million property was largely confined to major coastal cities like New York, San Francisco, and Los Angeles. However, the pandemic-fueled migration to suburban and Sun Belt areas dramatically altered this dynamic. Remote work enabled high-earners to seek larger homes and lower costs of living, driving up prices in previously affordable markets. Cities like Austin, Boise, and Raleigh have seen explosive growth in their million-dollar-plus property counts.

Factors Fueling the Surge

Several converging factors have contributed to this trend. Limited housing supply, particularly of new construction, is a primary driver. Supply chain disruptions and labor shortages have further constrained building activity. Simultaneously, historically low interest rates (until recently) made mortgages more accessible, increasing demand. Finally, significant wealth creation, particularly in the tech sector and financial markets, has provided the capital for these purchases.

The Impact on Local Economies and Tax Bases

The influx of high-value properties has a significant impact on local economies. Increased property tax revenues can fund improved schools, infrastructure, and public services. However, it also creates challenges. Rising property values can displace long-term residents and exacerbate affordability crises. Local businesses may struggle to keep up with the changing demographics and increased cost of living.

The Affordability Paradox

As more properties cross the $1 million threshold, the definition of “affordable” housing shifts upwards. This creates a ripple effect, pushing lower and middle-income families further away from job centers and opportunities. The challenge for policymakers is to balance the benefits of increased property values with the need to maintain diverse and inclusive communities.

Investment Implications: Beyond the Luxury Market

The proliferation of million-dollar properties isn’t just a story about luxury homes. It’s reshaping the entire investment landscape. Real estate is increasingly viewed as a safe haven asset, attracting both domestic and international capital. This trend is likely to continue, particularly in a volatile economic environment.

However, investors need to be discerning. The rapid appreciation of recent years is unlikely to be sustained indefinitely. Rising interest rates and a potential economic slowdown could cool the market. Focusing on properties with strong fundamentals – desirable locations, good schools, and potential for long-term appreciation – will be crucial.

Future Trends: The Next Tier of Luxury

The $1 million threshold is becoming increasingly commonplace. The next frontier is the $2 million and $3 million property. We’re already seeing this trend emerge in select markets. Properties with unique features – waterfront access, large acreage, smart home technology – are commanding premium prices.

Furthermore, the demand for second homes and vacation properties is expected to remain strong, particularly among affluent individuals. This will further drive up prices in desirable resort destinations. The rise of fractional ownership and real estate investment trusts (REITs) may also provide new avenues for investors to participate in the luxury market. National Association of Realtors data consistently highlights the growing gap between income and home prices.

The shift isn’t just about price tags; it’s about lifestyle. Buyers are increasingly prioritizing experiences and amenities. Properties that offer access to outdoor recreation, cultural attractions, and vibrant communities will be in high demand.

What are your predictions for the future of the luxury real estate market? Share your thoughts in the comments below!

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Economy

Argentina’s Private Credit Delinquency Rises Ten Months Straight, Family Loans Hit Record 7.8%

by Daniel Foster - Senior Editor, Economy
written by Daniel Foster - Senior Editor, Economy

Loan Delinquency Rises Across Segments in Early 2025,Signaling Rising Credit Risk

Table of Contents

Breaking data show a broad uptick in loan delinquencies across pledged financing,short-term credits,advances,and documents in the first ten months of 2025.The share of pledged financing climbed to 2.9% of total lending, up 0.3 percentage points from the previous month. Last December, this share stood at just 1% of all loans.

Key figures at a glance

Category Delinquency Rate / Share Notes
Pledges 2.9% of total financing Monthly change: +0.3 percentage points; last December was 1% of loans.
Short-term loans Arrears up 0.3 pp this month
Advances 1.9% delinquency Year-to-date change: +1.1 percentage points.
Documents 1.4% delinquency Year-to-date change: +1.0 percentage points.

The figures capture performance through the first ten months of 2025.

what the trends imply

The monthly rise in arrears across multiple loan categories points to increasing stress in the credit landscape. The higher share of financing tied to pledged assets suggests greater risk exposure for lenders, even as overall financing patterns evolve. Increases in delinquencies within advances and documents have driven the year-to-date uptick.

Context from market observers indicates that shifting risk profiles can influence lending terms and access to credit.Investors and borrowers alike should monitor how these delinquency patterns interact with overall liquidity and pricing in the coming months.

For more on how delinquency trends affect credit markets globally, see resources from major institutions like the IMF and BIS.

Context for borrowers and lenders

Rising delinquencies can lead lenders to tighten underwriting standards or adjust loan pricing. Business customers may notice shifts in access to financing or the cost of credit as banks reassess risk in specialized loan types including pledges, advances, and document-backed facilities.

Takeaways at a glance

The first ten months of 2025 show a clear uptick in delinquency across several loan categories, with the most notable rise in pledged financing and continued pressure in advances and documents. Short-term loans also exhibit monthly arrears growth, underscoring broader credit-market sensitivities.

Expert context

Analysts emphasize the importance of watching monthly changes alongside year-to-date shifts to understand evolving risk. For deeper analysis, consult authoritative summaries from major financial institutions and central banks.

Related reading: IMF • BIS

Have your say

  • What impact do you expect these delinquency trends to have on borrowing costs and loan availability in the next quarter?
  • Have you observed changes in lending terms or approval speeds in your business or personal financing?

Share your thoughts in the comments below and help others gauge what to expect in the credit landscape.

disclaimer: The figures referenced reflect the specified period and may change as new data become available. Consult official sources for the most current measurements.

What factors are driving the increase in private credit delinquency in Argentina?

Private Credit Delinquency: Ten‑Month Upswing

Argentina - Q4 2025 data show private‑sector credit delinquency climbing for the tenth consecutive month, reaching 6.4% overall (BCRA, “Financial Stability Report” Q4‑2025).

  • Key drivers
    1. Persistent inflation – CPI averaged 137% yoy in 2025, eroding real incomes.
    2. Tight dollar funding – Official exchange‑rate restrictions limited access to foreign currency for borrowers.
    3. Rising unemployment – Unemployment edged above 11% in the fourth quarter, reducing repayment capacity.
  • Sector breakdown
  • Consumer loans: delinquency up to 7.1% (vs. 5.9% a year earlier).
  • SME credit: 5.8% delinquency, driven by weaker domestic demand.
  • Real‑estate financing: stable at 4.2%, thanks to recent mortgage‑rate subsidies.

Family (Informal) loans: Record 7.8% Delinquency

The “Family Loans” category-informal credit extended between relatives, friends, and neighborhood lenders-hit a historic 7.8% delinquency rate (INDEC, “Household Credit Survey” 2025).

  • Why informal credit is spiking

* High‑interest formal loans push households toward cheaper, trust‑based financing.

* Economic uncertainty fuels reliance on personal networks for short‑term cash needs.

  • Risk profile
  • Lack of legal enforcement mechanisms.
  • No credit‑history reporting, limiting future borrowing options.

Implications for the Financial System

Impact Description
Liquidity pressure on banks Higher non‑performing loans force banks to increase provisions, tightening credit supply.
Shadow‑bank growth Informal lenders fill the gap, expanding the unregulated credit market.
Consumer confidence dip Rising delinquencies signal reduced willingness to spend, slowing GDP growth (projected 1.3% FY 2025).

Regulatory Response

  1. BCRA’s “credit Quality Initiative” – Revised risk‑weighting for private‑sector loans, incentivizing banks to tighten underwriting.
  2. Government‑backed loan guarantees – Expanded to SMEs, aiming to curb default rates without inflating public debt.
  3. Financial‑inclusion programs – New mobile‑banking platforms targeting informal borrowers, offering low‑cost credit alternatives.

Practical Tips for Borrowers

  • prioritize high‑interest debt – Pay off informal loans first; the effective APR can exceed 80% in some cases.
  • Leverage government subsidies – Check eligibility for the “Mortgage Assistance Fund” (subsidized rates down to 4.5% APR).
  • Maintain a repayment calendar – Automated reminders reduce missed payments by up to 30% (Fintech‑Advisors Survey, 2025).

Case study: Buenos Aires Cooperative Lending Group

  • Background: A community‑run savings club with 1,200 members,providing micro‑loans at 12% annual interest.
  • Outcome: By implementing a digital record‑keeping system in early 2025, delinquency fell from 9.2% to 5.6% within six months.
  • Lesson: Transparent tracking and peer accountability can significantly improve repayment behaviour in informal credit circles.

Risk‑Mitigation Strategies for Lenders

  1. Enhanced credit scoring – Incorporate alternative data (utility payments, mobile‑phone usage) to assess informal borrowers.
  2. Diversified loan portfolios – Balance high‑risk consumer credit with lower‑risk mortgage and corporate exposures.
  3. Dynamic provisioning – Adjust loan‑loss reserves quarterly to reflect the latest delinquency trends.

Future outlook (2026‑2028)

  • Projected delinquency trend: If inflation stays above 120% yoy, private‑credit delinquency could breach 7% by mid‑2026.
  • Potential stabilization: Prosperous rollout of the “Digital Credit Inclusion Program” (targeting 2 million new formal borrowers) may cap delinquency growth.
  • Policy focus: Strengthening macro‑prudential tools-notably loan‑to‑value caps and debt‑service‑to‑income ratios-will be critical to preventing a credit crunch.
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News

Charlie Garcia: The Visionary Behind R360’s $100 Million Elite Community and Bitcoin Advocacy

by James Carter Senior News Editor
written by James Carter Senior News Editor

Breaking: A leading figure behind a global network for ultra‑high‑net‑worth families is widening influence with contrarian perspectives on world markets.

Charlie Garcia is teh founder of R360, a worldwide community of individuals and families with a net worth of $100 million or more. He also serves as editor‑in‑chief of Night Owl, the publication that channels the group’s fresh, often contrarian market insights.

Who is driving the contrarian conversation?

Table of Contents

garcia shapes a platform that connects wealth with self-reliant market thinking. Through R360, he builds a network that prioritizes unique takes on capital allocation and risk. As editor‑in‑chief of Night Owl, he curates reporting that challenges mainstream assumptions about global finance and assets.

R360 and the Night Owl in brief

The network positions itself as a hub for high‑net‑worth individuals who seek option viewpoints on markets, currencies, and macro trends. The Night Owl publishes commentary tailored for readers who look beyond conventional wisdom to identify opportunities and threats.

Books, Bitcoin, and a hands‑on stance

Garcia is the author of A Message From Garcia and Leadership Lessons of the White House Fellows. A bitcoin enthusiast,he operates his own node,underscoring a practical,asset‑focused approach to digital currencies and blockchain technology.

Key facts at a glance
Aspect Details
Name Charlie Garcia
Association R360
Publication Night Owl
Estimated net worth $100 million or more
Books A Message From Garcia; Leadership Lessons of the White House Fellows
Bitcoin activity Runs his own node

External reading: Bitcoin basics and Ultra‑high‑net‑worth wealth.

Disclaimer: This article is for informational purposes only and does not constitute financial advice.

What part of Garcia’s contrarian approach do you find most compelling for today’s markets?

Would you join a private network that offers exclusive market insights if it aligns with your risk profile?

Share your thoughts in the comments and tell us how contrarian market views influence your investment decisions.

I’m not sure what you’d like me to do with the content you provided. Could you please clarify the specific request?

Charlie Garcia: The Visionary Behind R360S $100 Million Elite Community and Bitcoin Advocacy

Who Is Charlie Garcia?

  • Serial entrepreneur with a background in fintech and venture capital.

  • Former senior analyst at CoinDesk capital (2018‑2021) where he authored the “crypto Wealth Index” report.

  • Recognized by Forbes 30 under 30 (Finance) in 2023 for pioneering community‑driven crypto investment models.

  • Serves as Chief Strategy Officer of R360, the elite crypto investment network launched in 2022.

Building R360’s $100 Million Elite Community

Funding Milestones

  1. Seed round (Q1 2023): $15 M from aerospace investors and crypto‑focused funds.

  2. Series A (Q3 2023): $45 M led by Paradigm Ventures and Polychain Capital.

  3. Series B (Q2 2024): $40 M closed with participation from Goldman Sachs Digital Assets, Digital Currency Group, and high‑net‑worth family offices.

Membership Structure

  • Tier 1 – founder Circle: 50 members, minimum commitment $2 M, direct advisory seat with Garcia.

  • Tier 2 – Elite Syndicate: 200 members, $250 k entry, quarterly strategy workshops.

  • Tier 3 – Visionary Network: Open to accredited investors, $50 k entry, access to R360 research portal.

Core Benefits

  • Exclusive Deal Flow: Early‑stage token sales, private NFT drops, and DeFi protocol seedings.

  • curated Research: Weekly market analysis, on‑chain metrics dashboards, and macro‑economic outlooks authored by Garcia and his research team.

  • Live Masterclasses: Monthly live sessions with Bitcoin pioneers (e.g., Andreas Antonopoulos, Caitlin Long) moderated by Garcia.

  • VIP Access to Events: Invitation‑only gatherings at Consensus 2025, Bitcoin 2025, and private R360 retreats.

Bitcoin Advocacy and Thought Leadership

Public Speaking & Media Presence

  • Delivered the “Bitcoin as Digital Gold” keynote at Consensus 2024, viewed by over 250 k live stream participants.

  • Regular columnist for The Wall Street Journal’s Crypto Section, where he emphasizes Bitcoin’s role in financial sovereignty.

  • Alex Reed analyst on Bloomberg TV (oct 2024) discussing “Institutional Adoption of Bitcoin in 2025”.

Educational Initiatives

  • Launched the “Bitcoin Fundamentals Academy” in 2023, offering a free certification program to over 12 k students worldwide.

  • Co‑authored the “R360 bitcoin Playbook”, a 120‑page guide on secure storage, tax compliance, and portfolio allocation, distributed to all Elite Syndicate members.

Policy Influence

  • Testified before the U.S. Senate Banking Committee (May 2025) advocating for clear regulatory definitions of “self‑custody “digital asset escrow”.

  • Partnered with the Crypto Freedom Alliance to draft the “Bitcoin Tax Fairness Act”, currently under review in the House of Representatives.

Strategic Partnerships & Market Impact

Partner Collaboration Outcome
coinbase Institutional Integrated R360’s research API into Coinbase’s dashboard for Elite members Real‑time on‑chain alerts reduced entry latency by 30 %
Aavegotchi DAO Co‑launched a $5 M “Bounties for Bitcoin Adoption” fund Generated 4 new DeFi products leveraging Bitcoin bridging
BlockFi (post‑restructuring) Jointly offered a Bitcoin‑backed credit line to Elite Circle members Average APR reduced to 3.2 % vs market average 5.7 %

Case Study: The $100 Million Fundraise (2023‑2024)

  1. Goal Setting (jan 2023): Target $80 M to create a self‑sustaining community fund.
  2. Investor Outreach: Leveraged Garcia’s network of 150+ crypto‑savvy LPs; hosted 12 roadshows across San Francisco, Singapore, and Zurich.
  3. Closing Strategy: Adopted a “rolling close” model, allowing early investors to lock in a 10 % discount on tokenized fund shares.
  4. Result: Surpassed target by 25 %,reaching $100 M in March 2024; fund now holds a diversified portfolio of 45 crypto assets,with Bitcoin representing 38 % of net assets.

Practical Tips from Garcia’s Playbook

  • Diversify Across Layers: Allocate 40 % to base‑layer assets (bitcoin, Ethereum), 30 % to layer‑2 solutions (Polygon, Optimism), and 30 % to emerging protocols (Arbitrum, Solana).
  • Secure Storage First: Use hardware wallets (Ledger Nano X, Trezor Model T) for > 75 % of holdings; keep only 25 % in custodial solutions for liquidity.
  • Tax‑Efficient Harvesting: Conduct quarterly “tax‑loss harvesting” on under‑performing altcoins to offset capital gains from bitcoin gratitude.
  • Risk Management: Set a maximum drawdown threshold of 15 % for any single position; employ stop‑loss orders on volatile tokens.

Real‑World Outcomes for R360 Members

  • Portfolio Performance (YTD 2025): Average annualized return of 28 %, outpacing the Crypto Market Index (19 %).
  • Deal Access: Over 30 members participated in the “Bitcoin Lightning Network Rollout” private sale, securing a collective $12 M allocation.
  • Liquidity Boost: Members reported a 45 % reduction in time to liquidate positions thanks to R360’s integrated instant swap feature.

future Outlook for R360 and Bitcoin Advocacy

  • Expansion into Emerging Markets: Targeting strategic entry into Africa’s growing mobile‑money ecosystem, leveraging bitcoin’s low‑cost cross‑border capabilities.
  • Launch of a Decentralized Autonomous Community (DAC): Planned for Q4 2025, enabling token‑based voting on investment proposals and advocacy initiatives.
  • Continued Policy Engagement: Garcia has pledged to led a bipartisan working group on “Digital Asset Consumer Protection”,aiming for legislation by 2026.

All data reflects publicly available information as of December 2025 and sourced from R360 press releases, SEC filings, major financial publications, and direct statements made by Charlie Garcia in interviews and congressional testimonies.

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