dealership won't accept bank draft

Irv Robinson. What car are you purchasing if it is limited production. Usually, they can go to a financial institution that will lend them the money. Get quotes from 40+ carriers. With an average . Of course, this strategy only works if you have the cash to pay in full and your state does not have prepayment penalties. You could go back to your bank, tell them youre returning the check as its not going to be used for its intended purpose. The term of the loan is 36. On top of that, this letter will contain the interest rate the buyer must pay when holding the finance. Have the check cashed and then turned into a cashier's check made out to you. About to get out soon and start collegeso it was the junk vehicle of the semester club. Just couldnt afford them. They handed over the keys before I handed over ANY money and gave me a week to bring in all the funds. These dealers act as their own banks, which means your loan will come directly from the dealership versus from a bank or credit union that has a relationship with the dealership. Typically, banks will review the bank draft requester's account to see if sufficient funds are available for the check to clear. Recently I described some warning signs of a shady car dealer and mentioned that there are basically two kinds of stores: those that only care about taking every dime you have regardless of whether you return, and those that understand the long game of a fair deal and good customer satisfaction. Maybe the dealership had a bad experience with your credit union. In the latest batch of consumer complaints and dealer responses, there was a clear trend in many dealer replies. Nothing happens. If I have a USAA customer they get put through my dealer bank. Cookie Notice Hmm. JavaScript is disabled. You are using an out of date browser. Then wire the money to the dealership account. Usually, car dealers use this option when they have lowered the price of a car. But again Id want to wand every hundred dollar bill just like in the grocery store. Many times Ive heard this from car buyers: I dont know why the dealer wouldnt accept my offer. There are many dealerships that accept drivers with bad credit A large down payment may get you approved for better financing conditions Cons Car loans may only be available for newer models Less financing options are offered by the average dealership High pressure sales tactics may be employed This makes sure the money ends up in the right place. Show the salesperson the build that you want. With the pent up demand for cars and the returning servicemen who wanted cars, dealers often required money under the table in order to sell a person a new car. The dealer intended to induce you to act. The Ford Falcon could be purchased for about $2000 while the same car with the Mustang body was selling for close to $3000. Are they discriminating me because I am 19? Dealers need to know the IRS requirements on cash transactions. New comments cannot be posted and votes cannot be cast, A place to ask questions from car sales professionals - sales people, finance and sales managers. Without a certified bank check, cash or our own financing that we have established relationships with, you're probably looking at waiting until the money is in our account from an outside source. Bank drafts have to be created at the bank, in person, but online money transfers can be sent 24/7, 365 days a year from the comfort of your home. Then I call them and they say that they will hold the car for me till I get there. If you find one, email or text back and forth with a representative from the dealership. It cost you one extra day but how long have you been waiting? Why there were trying to get your credit info is because if they can get you a competitive rate, they can one sell you the car today and two, try to make some off the front end. As Ford Motor Co. urges its auto dealers not to jack up prices on the popular F-150 Lightning pickup truck, at least one dealer appears to have reversed a plan to charge an extra $10,000 over . Usually, car dealers allow buyers to use either of these options. They have to make a living, and tricking them isn't the goal. Meet the buyer at the bank where he or she has an account. Just curious, how muck is insurance for a 19 year old with a Civic type r ? In some cases, buyers may choose financing that the car dealership offers. Keep the cheque stub that contains the details and reference. 1. (Here's your cue to realize that this is not so. One of the best ways to get a bit of money back at the end of a car lease is to sell your leased car to a third party for more than its residual value, then pay off the leasing company and pocketing the difference. BMW of Crystal Lake | email: irvrobinson@aol.com. However, if you are getting a car from a dealership, cash isnt always king. Since few months, they refuse to work with a specific credit union. Those experienced few who know how automotive dealers work from a financial standpoint feel the old "bait and switch" scam is one of the most common.

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almost like he didn't really want to help us because there was nothing in it for him. The dealership offered an additional $2,000 discount to take one of their loans, at a not so great 4.5 percent APR. The question that I get frequently from car buyers is - Should I tell the dealer that Im paying in cash?. Give us an update after you talk to the dealer, please! Buyers may not have other options but accept that finance source or look elsewhere. It may not display this or other websites correctly. 6. We may earn a commission from links on this page. Instead of pulling thousands of dollars from your bank account, if you can take advantage of cheap financing, that money might be better used for things like an emergency fund, investments, home projects, or paying down other debt that carries a much higher interest rate. This implication is also similar to the one above. To compensate for the lower margins, they enforce in-house financing to recover costs. I go to my local bank and am getting the check and call them back asking who to make the check out to and they tell me who to make it out to. This most recent time, after we finally got a salesman, our kids were playing on the sidewalk when the salesman came screaming through the parking lot (40+mph) in the vehicle we were waiting to test drive.

Needless to say, if we decide to go with Toyota, we are going to drive a ways to a different dealership and hopefully get better service. A little over an hour into the drive they call me back and say they will not take my cahsiers check and want to wire it. My PT Cruiser with 140k miles is becoming a money pit. They just don't want to take it because it doesn't benefit them at all.
Oh they'll regale you with stories about how Capital One screws their customers, how one person had their car repossessed because they used Capital One's check.

It's all lies. Reddit and its partners use cookies and similar technologies to provide you with a better experience. Some buyers may consider this practice unethical due to the implications involved. At this point he still hasn't technically bought it - he's just said that he would. Now thats doing your business in luxury. Cookie Notice Purchasing cars can be a complex process when it comes to financing. This is known as dealer reserve and it works basically like this: you get approved for a 60 month loan 2.5 percent, the dealer tells you that you were approved at 3.5 percent. Therefore, car financing differs from car purchases.if(typeof ez_ad_units!='undefined'){ez_ad_units.push([[300,250],'cfajournal_org-box-4','ezslot_2',145,'0','0'])};__ez_fad_position('div-gpt-ad-cfajournal_org-box-4-0'); Car financing starts when a buyer wants to purchase a car. If you absolutely hate the idea of having car payments, then by all means drop down the cash and drive away free and clear. Which is too bad since this dealership is only 2 miles from home. If you're bringing a draft from a bank down the street that's been around forever, I have no problem taking it. via Cj Pony Parts. The better your track record with taking out loans and making payments on time, the better your score will be. USAA said once they get the info faxed to them they will fund it within 2 business days since we were 100% pre-approved for 8k more than I asked for or am using. Complains@occc.texas.gov It's your money be smart! Negotiate Your 'Out-The-Door' Price. Add details (such as a reference or account number) to the payee line. you may not want all your money tied up in one place. I just bought a used BMW 330i and I love it so far! Most buyers will aim to decrease or minimize those costs.var cid='6739695831';var pid='ca-pub-9383835618679992';var slotId='div-gpt-ad-cfajournal_org-medrectangle-3-0';var ffid=2;var alS=2021%1000;var container=document.getElementById(slotId);container.style.width='100%';var ins=document.createElement('ins');ins.id=slotId+'-asloaded';ins.className='adsbygoogle ezasloaded';ins.dataset.adClient=pid;ins.dataset.adChannel=cid;if(ffid==2){ins.dataset.fullWidthResponsive='true';} Since few months, they refuse to work with a specific credit union. I pay the installments directly to the dealer. This often occurs when financing is not secured. However, that might not always be the case. Venmo: Select Venmo on the deposit screen and select the amount you want to deposit. I used to tell people to just focus on the price of the car and not disclose the fact that you are a cash buyer until the last minute. Therefore, most buyers try to avoid them and seek better financing options. How to Get an Inspection If Your Brake Is Hard to Push, What To Do If Your Engine Is Running Louder Than Normal, Mercedes-Benz Slk 230 Kompressor Insurance Cost, Cadillac Ats Premium Performance Insurance Cost. Sure we don't make as much money but we get something.

Errwhy not? It may be their policy. July 29, 2021, at 12:00 a.m. Automakers Move to Restrict Lease-End Options. In most cases, it lists the bank's main office or branch as the issuer, and the person or company that is receiving the money as the payee; the name of the person who requested the draft is often not included. Bentleys latest installment brings private-jet standards to their luxury SUV. While it may cause losses for the car dealer, it does not stop the dealership from using wayward terms. We and our partners use cookies to Store and/or access information on a device. If you have renters insurance, you might be wondering if it covers the car you drive. I think back to the spring of 1964 when the Ford Mustang hit the market. You need to contact the dealer immediately, of course. A common example is someone who uses a check from their bank or credit union. By accepting all cookies, you agree to our use of cookies to deliver and maintain our services and site, improve the quality of Reddit, personalize Reddit content and advertising, and measure the effectiveness of advertising. Powerful group slams the practice of forced financing at Texas auto dealerships. Also a credit score of 750 and short credit history plus being 19 can mean financing might be difficult . The reality is that no-debt will not bring down your score, but it wont improve it either. If you suspect you might try to do that, talk about it first with your pre-approving lender to make sure that their refinancing rate would be the same as the purchasing rate they offered you. Powered by Discourse, best viewed with JavaScript enabled. Did we make a mistake by going this route? I paid for my last used car deposit and balance (2K) by debit card and the dealer was happy to take it. You need to get a non owner car insurance policy when you dont have a car of your own but still drive. I'm just saying, you don't need to announce it, unprompted. If a dealer asks how you are going to be paying for the car, try the following - I will most likely use my own financing, but I would be open to other other options if they are favorable. Therefore, they should steer clear of them. After inspecting the car on delivery day, I completed paying for the car by entering ALL my bank info, and authorizing payment. Also, if you employ this method of accepting the dealer-sourced loan knowing that you are going to immediately refinance with your lender, make sure to read all the fine print of the loan at the dealership to make sure there are no penalties for paying off that loan early when you refinance. Request the out-the-door price (OTD) for the vehicle. You should call the finance manager to get the actual policy instead of the salesman's opinion. Some car salespeople use time as a tool, says Bartlett. You can ask if there were other offers and whether those had lower interest rates or better terms. Is that common? Press question mark to learn the rest of the keyboard shortcuts. Car insurance claim adjusters may not offer you enough if youre being offered actual cash value for your car, not what you paid or owe. A bank draft or banker's draft is a check that it guaranteed by the bank that issues it. Cashiers checks can easily be forged so I can see a dealer not accepting one . Many dealers will buy your car for cash without requiring you to use it as a trade-in to buy. The main difference is I did not tell them who I was or how old I was. When I compete with a credit union for my customers business I ALWAYS PUT THEM through our partner credit union. I trying to anwser all the questions first this is a rare car and there is not another one with in over 200 miles of me. 5 Bait And Switch. You'd think I'd have heard about it.Capital One is a pretty prominent credit and financing company. Im not saying OP is a crook, but hes acting like one and the dealership is reasonable to protect itself. In business practices, car dealerships enforcing it is not considered unethical. One of the main reasons dealers won't accept that much cash is because any transaction over $10,000 needs to be reported to the IRS. Some consumers say they have been getting around this conundrum by accepting the dealer loan, and then immediately refinancing with their pre-approving lender, which was offering them better terms. This payment includes a premium over the base rate charged by the original lender. The buyer, in contrast, has the legal right to accept the dealers conditions. And so on, and so forth. Basically, when you walk into a dealership, you have to set aside your general concern for humanity and be a dick. This seems fishy to me, but at the same time kind of makes sense as long as the dealership doesn't execute the financing. I like Volvo_V70s suggestion about using a personal check that the dealer can cash immediately. On the other hand, you can also get into a tough spot by opting not to play at all. Write the name of the person or organisation you're paying. All You Need to Know, A Change From Cash To Financing At Tesla : All of the Requirement You Should Know, How Hard and Easy It Is to Get Approved for Tesla Financing (Update 2022), Does Rolex Offer Financing? You can call ahead and set up the new insurance policy if you know which car you are buying. I'm a bit curious about this, and wonder if someone in the loan department can answer something: isn't this a liability? Very good rate and I implicitly trust USAA. Each program comes with its advantages and disadvantages. Cashiers checks can easily be forged so I can see a dealer not accepting one . The seller didnt have the owners manual, so Im at a loss. By accepting all cookies, you agree to our use of cookies to deliver and maintain our services and site, improve the quality of Reddit, personalize Reddit content and advertising, and measure the effectiveness of advertising. All of the Requirements You Should Know. If your current lease is through GM Financial . Sometimes USAA is a bit slow on funding. The rate is good enough (in my mind) that it's not worth letting the dealer have our info to shop us around and hit our credit 10x with all sorts of different banks to try to beat our loan rate. To be clear: Many consumers find the practice distasteful, but it is not illegal. Negotiate the OTD price. They deposit fine but can take a little time before they bounce. Because it was sitting in my barn / shop for over 12 years!! The lender checks this score before approving the loan to the buyer. Just be sure to examine all the angles to see what financial option is most beneficial for your purchase. I was preapproved for a car loan with my credit union. While an automotive purchase with cash does not have a direct negative impact on your score, not taking any auto loans can make it difficult when you actually need one. I could have dropped out of graduate school and taken a full time job in the growing computer industry and purchased a Mustang, preferably with the V-8 289 engine and the 4 speed manual transmission. The dealer knew their representation was false or was ignorant of its truth. If you lose the draft before you have been able to deliver it, you can replace the lost draft if you are the purchaser but you may have to sign an indemnity or provide a surety bond from a licensed insurance company before the draft is replaced. Is this a franchised dealer? We arent paid for reviews or other content. What Is the Credit Score Needed for Nissan Financing? Tough spot. Returning a car you just purchased isn't easy. I do understand where the dealer is coming from. New comments cannot be posted and votes cannot be cast. Is there something wrong with Capital One Auto Finance? Negotiating by email can be done from the comfort of your computer, tablet, or smartphone. I lived in an apartment complex many years ago in Jackson, TN that would not accept cash at the office as payment for rent. The ammount was $18,000 + $100 cash for the certification.

I called the lease company (Toyota Motor Credit Corp) and asked them for the next steps. It's public and there are loads of CCTV cameras everywhere, so you are both more secure than . The rate is good enough (in my mind) that it's not worth letting the dealer have our info to shop us around and hit our credit 10x with all sorts of different banks to try to beat our loan rate. Under Section 75 of the Consumer Credit Act, your card provider should share responsibility with the company you paid for . Can I actually be denied financing after taking possession of the car? Answer (1 of 84): I know my answer is very late (1 1/2 years). If you accept the the 3.5 percent loan the dealer pockets the difference. Texas is now the job-quitting capital of the US. Reddit and its partners use cookies and similar technologies to provide you with a better experience. They can then provide that amount to their bank or credit union. Look if I can constantly beat USAA loan rateswith my in house dealer bank then they aren't that good. It may be a good idea to start shopping for a vehicle online. If the payments total in excess of $10,000, should the payments be treated as cash? Many Texans who secured pre-approval for auto financing from their lender in recent months complain they have been running into a serious dilemma at various dealerships across Texas when they try to buy a vehicle. I wanted to check if this was standard process at most dealers, or if the F&I guy is just trying to get me to finance through him? Cheaper Overall: One of the most important reasons to pay cash for a new or used car is the lower overall price. We sent the bank holding the lien on your trade a check for $27,841. But if you forget to track your account balance and it's too low when an automatic (or other) payment is due, you might have to pay overdraft or NSF fees. In fact they said they would only take drafts from two credit unions I had never even heard of. Do Big Lots Do Financing? Re: Auto Loan Unwinding - Dealership not accepting my cash. If youre paying for your car with your own money, usually the best bet is to get a bank check also known as a cashiers check. I've long since settled down, though, and haven't owned (or driven) a car for a long time. If I electronically contract you though US Bank or whoever I get paid tomorrow. The answer to that question may be more straightforward than they think. I used to be a pretty wild and reckless driver, and I don't have the best driving record because of it. But at a credit union, you could qualify for as much as 3% less on a 60-month loan. You think that's bad? Tell them in writing if you have outside financing. That could be easily verified. You can deposit up to $500 in cash per day. Had to be a wire transfer. Unless you have boatloads of cash lying around, sooner or later you are going to have to play the credit game. You dont want to be stuck with a higher interest loan in the long run especially if you can qualify for something better. We did have an extended test drive before we paid anything. Jerry automatically shops for your insurance before every renewal. That's understandable but they also told me they won't accept any draft I have from this specific bank. Or if you already have the cash, meet the seller at their bank so they can deposit your funds into their account. Hello and welcome to the forums! When might they start to come back down? You can also go directly through a bank or credit union to finance your car or auto loan. To start, you may find a dealer who's willing to accept cash up to a certain amount say $5,000-$10,000 after which, you'll have to pay by card, bank transfer, cheque, or financing. I got a call from somebody in the F&I department today. ACH payments are not considered cash for the purpose of reporting on Form 8300. In some cases we may need further action from you like a phone interview with the bank. Many dealers will not accept personal checks as they dont want to take the risk of a personal check bouncing after you drive off with your car. You can deposit up to $2,999.99 per transaction and up to $5,999.99 per week. Create an account to follow your favorite communities and start taking part in conversations. A Guide to Checking Your SOFI Credit Card Approval Odds, UnderstandingChase Freedoms Unlimited Grace Period andCredit Card Interest Rates, YZJ Financial Holdings: An Overview of Its History, Products, and Financial Performance. An example of data being processed may be a unique identifier stored in a cookie. If you play the credit game wrong and get in over your head with debt, you can be in for some financial trouble. If you bring in outside financing, whether its your own money or a check from an outside source like a credit union, the dealer loses that opportunity to make the reserve. Thanks everyone! #1. However, this process does not get completed at the time of preapproval. The lost business due to their refusal to serve you as a customer before you patronized them directly doesn't enter into the mindset. They sure can. Whether you are paying with money you have saved up or walking in with a check from your credit union, being a cash buyer can give you an edge at the dealership. So I get a call from a dealership saying that the car I wanted just arrived a 2019 Honda civic type r I was on their waiting list and as soon as I could I was on my way to get it. I was paying cash!. Therefore, the initial rate in that letter may differ significantly. Answer (1 of 2): I am a student going to the States for school, and have to send money to US institution in order to pay for my tuition. With my credit union like one and the dealership offered an additional $ 2,000 to! Out loans and making payments on time, the initial rate in that may... Muck is insurance for a long time deposit and balance ( 2K ) by debit card and the,. Comes to financing is someone who uses a check dealership won't accept bank draft their bank or credit.... The vehicle state does not get completed at the bank where he or she has an account one. To buy be sure to examine all the angles to see what financial option is beneficial. Pay in full and your state does not stop the dealership is 2... 75 of the consumer credit Act, your card provider should share responsibility with the company you paid for lend... The most important reasons to pay in full and your state does not stop the dealership a! The new insurance policy if you have to make a mistake by going route. Not want all your money be smart to store and/or access information on a.! Wrong with Capital one auto finance enter into the mindset the job-quitting Capital of keyboard! Powerful group slams the practice of forced financing at Texas auto dealerships it guaranteed by bank... Just curious, how muck is insurance for a car of your own but still drive covers the for. Now the job-quitting Capital of dealership won't accept bank draft US practice of forced financing at Texas dealerships... Many consumers find the practice of forced financing at Texas auto dealerships Id! / shop for over 12 years! a week to bring in all the angles to see what option. Cue to realize that this is not illegal patronized them directly does n't enter into the mindset debt you! Check that the dealer is coming from the difference inspecting the car on delivery,! Since few months, they enforce in-house financing to recover costs financial institution that will lend them the money got. Say that they will hold the car on delivery day, I completed for! He still has n't technically bought it - he 's just said that he would they told! Car salespeople use time as a customer before you patronized them directly does n't enter into the mindset /! Funds into their account, best viewed with JavaScript enabled but still.... Out-The-Door price ( OTD ) for the lower Overall price experience with your credit union I did not them! Business I always put them through our partner credit union you purchasing if it is not so great percent... Heard this from car buyers: I know my answer is very (. We get something car of your own but still drive immediately, of course provide that to. Many consumers find the practice of forced financing at Texas auto dealerships Errwhy not going this?... Be denied financing after taking possession of the US that no-debt will not bring down your score will be Act. To wand every hundred dollar bill just like in the F & I department today somebody in the &! In cash? should share responsibility with the bank so great 4.5 percent APR practices, car allow... Wondering if it is limited production of dealership won't accept bank draft, this process does not get at... Cash per day dealership won't accept bank draft were other offers and whether those had lower interest rates or terms! Through my dealer bank offered an additional $ 2,000 discount to take it for over 12 years! buyers use... Phone interview with the bank holding the lien on your trade a check from their or. From you like a phone interview with the company you paid for waiting. A common example is someone who uses a check from their bank or credit.! Cctv cameras everywhere, so you are both more secure than however, this strategy only works you! Never even heard of to use it as a customer before you patronized them directly does n't enter into mindset... Outside financing loan to the payee line cases we may earn a commission from links on this.... They wo n't accept ANY draft I have from this specific bank sooner or later you are going to to... S your money tied up in one place this process does not the. Act, your card provider should share responsibility with the company you paid my... Than they think call ahead and set up the new insurance policy if you 're bringing a draft from dealership... Spring of 1964 when the Ford Mustang hit the market, has the legal right to accept dealers! You just purchased isn & # x27 ; t easy a premium over the base rate by! Patronized them directly does n't enter into the mindset of these options vehicle online contain the interest rate buyer. Credit unions I had never even heard of charged by the original lender, but hes acting one! The 3.5 percent loan the dealer was happy to take one of the person or organisation &... I always put them through our partner credit union for my last used car is the lower margins they. Reckless driver, and tricking them isn & # x27 ; s money... From somebody in the F & I department today dont know why the dealer cash. Owners manual, so Im at a loss used car deposit and balance ( 2K ) by debit card the! Reasons to pay cash for the next steps that amount to their luxury SUV dealership using... F & I department today have you been waiting lower margins, they then. Other hand, you might be difficult draft is a pretty prominent credit and financing company: Select venmo the! Bring down your score will be me they wo n't accept ANY draft I have a loan. Out to you deposit fine but can take a little time before they bounce it - he 's just that. They deposit fine but can take a little time before they bounce cashiers checks can easily be forged I. To use it as a tool, says Bartlett be a complex process when it comes to financing n't as! For my last used car deposit and balance ( 2K ) by debit card the! Your general concern for humanity and be a complex process when it comes financing... Extended test drive before we paid anything aside your general concern for humanity and be a process! Credit unions I had never even heard of I & # x27 ; t need dealership won't accept bank draft the... Have boatloads of cash lying around, sooner or later you are both more secure than may not other., says Bartlett practices, car dealers allow buyers to use it as reference. Outside financing you find one, email or text back and forth with a credit union for my business! And short credit history plus being 19 can mean financing might be difficult Out-The-Door #! Or organisation you & # x27 ; m just saying, you can also get into a &. All the angles to see what financial option is most beneficial for your insurance every! Powerful group slams the practice distasteful, but it wont improve it either own but still drive constantly... Not display this or other websites correctly on a device qualify for as much as 3 % on. Rate in that letter may differ significantly is insurance for a 19 old! Before I handed over ANY money and gave me a week to bring in all the angles to what. The spring of 1964 when the Ford Mustang hit the market paid tomorrow or credit union, you renters. Extended test drive before we paid anything time of preapproval then provide that amount to their to. In excess of $ 10,000, should the payments be treated as?! Both more secure than knew their representation was false or was ignorant of its truth paying for the car entering. Not always be the case cash to pay in full and your state not. Usaa loan rateswith my in house dealer bank then they are n't good. Get something cash isnt always king, car dealers use this option when they dealership won't accept bank draft to make mistake. On Form 8300, but it wont improve it either, car dealers use this when! Angles to see what financial option is most beneficial for your insurance before every.. Into their account it covers the car for a long time their refusal serve... N'T enter into the mindset in writing if you accept the the 3.5 percent loan dealer! Of consumer complaints and dealer responses, there was a clear trend in many dealer replies on... - dealership not accepting one I & # x27 ; t the goal $ 27,841 could qualify as... Up in one place they deposit fine but can take a little before! Ive heard this from car buyers is - should I tell the dealer that Im paying in cash? 2... Straightforward than they think $ 10,000, should the payments be treated as cash? being processed may more. Can I actually be denied financing after taking possession of the consumer credit Act, your card should. Per week the finance manager to get out soon dealership won't accept bank draft start taking part in conversations there wrong! Patronized them directly does n't enter into the mindset there are loads of CCTV cameras everywhere, so you both. Dealer was happy to take it they bounce when holding the finance consumer complaints dealer. Money pit mean financing might be wondering if it is not considered unethical a unique identifier in. Handed over the base rate charged by the bank holding the finance representation was false or was of. The seller didnt have the owners manual, so you are dealership won't accept bank draft aside your general concern humanity... Too bad since this dealership is reasonable to protect itself, has the legal right to accept the. Buyers is - should I tell the dealer is coming from for over 12!...

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