Author: lending8

Time to Reflect & Refresh: Announcing My Sabbatical


Jose Quiñonez, CEO of MAF, announces a three-month sabbatical, sponsored by O2 Initiatives.

I’m taking a sabbatical!

Thanks to a generous grant from O2 Initiatives, I start a three-month sabbatical on December 21st. Since 2007, I’ve had the privilege of building MAF from a neighborhood nonprofit into an organization with a national network of 53 nonprofit partners, providing Lending Circles across 18 states. After overcoming many challenges and achieving much success through the years, I feel that now is the time to take a step back and reflect on all we’ve accomplished — and to envision what’s next for MAF as we continue to uplift credit-building as a force for good, forge new partnerships, and expand to new communities.

I am ever grateful to O2 Initiatives for providing me with the gift of time to reflect and refresh.

Over the next three months, I look forward to traveling and spending time with my family, reconnecting with old friends, and reading hardcover books. I have a stack of books on my nightstand just waiting to be picked up. I can’t wait thumb through their pages.

During my absence, MAF’s Chief Operating Officer Daniela Salas will take the helm as Acting CEO.

Daniela has been a critical force behind MAF’s success since our founding, and I have the utmost confidence in her ability to lead the organization as it embarks on an ambitious plan for 2016. We will continue to move our research agenda forward by studying the impact of Lending Circles on consumers’ financial well-being; we will break new ground in developing technology for our clients to have awesome experiences with Lending Circles; and we will go the extra mile to ensure that our partners have the right tools and training to successfully implement Lending Circles in their communities.

I look forward to returning to my role as CEO in April 2016.

With renewed energy, we’ll continue to build on what’s good and forge ahead in our fight against poverty. Onwards!

What It’s Worth: MAF Featured in New Book


Read CEO Jose Quinonez’s essay “Latinos in the Financial Shadows” in a new book on economic well-being.

Earlier this year I was invited to contribute MAF’s perspective to a joint publication from the Federal Reserve Bank of San Francisco and the Corporation for Enterprise Development (CFED), with the support of the Citi Foundation. The resulting book, titled What It’s Worth: Strengthening the Financial Future of Families, Communities and the Nation, is a collection of more than 30 essays that document the financial health and stability of Americans across the country. The authors put forth promising strategies for improving economic security and mobility in low-income and underserved populations.

My piece “Latinos in the Financial Shadows” highlights the informal lending practices common among immigrant communities, documenting the important role they play in the lives of people operating outside the financial mainstream. It reviews MAF’s strategy for formalizing these informal financial relationships through our Lending Circles program and attests to the impact of our work.

The essay also introduces the Hierarchy for Financial Needs (HFN), MAF’s new model for identifying and assessing the key components of an individual’s financial well-being. The HFN provides a ground-breaking and much-needed framework to help policymakers, practitioners and others working to improve consumers’ financial stability and mobility evaluate their impact more holistically, placing the work in the larger context of economic health.

To download a PDF of “Latinos in the Financial Shadows,” click here. To order a free copy of the What It’s Worth book, visit the Strong Financial Future website.

$1.5M Chase Grant Takes MAF to Next Level


JPMorgan Chase invests $1.5 million in MAF to expand Lending Circles further, faster.

I’m thrilled to announce that JPMorgan Chase recently awarded MAF a $1.5 million, three-year grant to expand our signature Lending Circles program even further across the U.S. JPMorgan Chase is leading the financial capability field by making significant, long-term grants to build the capacity of nonprofit organizations at the forefront of providing meaningful services to consumers in the financial shadows.

We are grateful for their generous grant, which will allow MAF to bring lasting and positive impact to people’s financial lives by expanding our zero-interest Lending Circles across the country. Our work with JPMorgan Chase gives us great confidence as we prepare to scale this model to low-income communities throughout the country.

MAF is on track to more than double our network of Lending Circles providers over the next three years, building a critical mass of partners in key regions across the country: from New York, Chicago, and Miami, to Denver, Los Angeles and San Francisco. We’ll also develop new technology to connect Lending Circles participants with on-demand loan information.

To you, our friends and colleagues, thank you for supporting us in this exciting time of growth. We can’t wait to share stories from the thousands of parents, students, and entrepreneurs working hard to build more secure financial futures thanks to this grant.

Sandra: An Artist-Entrepreneur Brings Her Vision to Life


Sandra’s journey — and her dreams — represent the strength of the Mission community.

Sandra’s creative style is all her own, but her story speaks for an entire community. She’s one of the visionary artists and entrepreneurs San Francisco’s Mission District has cultivated for generations. With Friscolitas, her mobile screen printing business, she has turned her craft into a career. And with the help of MAF’s Lending Circles for Business, she has built the foundation she needs to take Friscolitas to the next level.

But it all started back in her hometown of Zacatecas, Mexico.

The Journey

Sandra was just 12 years old when her mother, a single parent in Zacatecas, made the courageous decision to move to San Francisco, driven by the promise of a better life. Coming from Mexico to the Mission was a tough transition for mother and daughter alike, but they never regretted their choice. Thanks to her mother’s support, Sandra thrived in her new home.

Dreaming Big

Sandra has always had a desire to change the world in a big way. With a work ethic that matched her ambitions, she earned 3 degrees from San Francisco State University. After graduation Sandra began a career as a social worker, but her inquisitive mind was always looking for new areas to explore. She witnessed the changing demographics of her neighborhood and took note of the forces reshaping her community. She knew she wanted to keep the Mission’s unique flavor alive and contribute something of her own to its culture.

Friscolitas: Mission Raised

Her interest in screen printing began with a brainstorming session — not about potential business opportunities, but about ideas for inexpensive gifts she could give her family. In the winter of 2011, Sandra approached friends in her network who could help bring to life the designs that, until then, existed only in her imagination. The result: beautiful t-shirts emblazoned with Sandra’s distinctive take on Dia de los Muertos “Calacas” (skulls), grinning with Mission pride.

What started as a do-it-yourself gift idea has since become an business venture for this entrepreneur. Now she brings her t-shirts to the community at local art galleries,
restaurants, concerts, and festivals. Friscolitas has a growing clientele, attracted by its unique artistic style and its authentic Mission roots. Despite this increasing demand, Sandra hit a roadblock. She struggled to secure an affordable business loan because of a low credit score.

That’s when she found MAF.

Through our Lending Circles for Business program, Sandra pushed her credit score above 800, boosting her confidence and giving her access to business loans with much better terms. Her zero-interest social loan is funding a Friscolitas website so Sandra can finally showcase her work online and reach audiences far beyond her neighborhood.

Customers leave Friscolitas with more than just a t-shirt. As Sandra puts it, they “carry around her art,” heading back into the world with an expression of their shared identity. And there’s no better symbol of the power of the Mission’s culture and the bonds of its community.

Introducing Chris, MAF’s Product Manager


Chris is on a mission to put data and technology in the service of social change.

As you may have noticed over the years, we’ve had great luck with Residency in Social Enterprise (RISE) fellows from New Sector Alliance. Today, we’re continuing that streak:

We’re excited to bring on Chris Ferrer, a former RISE fellow who’s now serving as MAF’s Product Manager.

Chris recently completed his fellowship at the Center for Care Innovations (CCI), where he created dashboards and complex reports in Salesforce to help identify key performance indicators and translate those findings into their first-ever annual report. Now, Chris is bringing those analytical skills to MAF.

He has quickly become our resident Salesforce guru.

In his work at CCI, Chris loved finding ways to leverage data to impact social change. He was naturally drawn to this role at MAF, which gives him the opportunity to apply
his expertise and improve our Salesforce platform — as well as the new challenge of developing a mobile app to better serve our clients.

Chris was particularly impressed by the “multifaceted approach that MAF takes through direct service,” which allows us to help low-income individuals build credit. He also appreciates MAF’s efforts to critically evaluate our services and measure their success, always searching for new opportunities to improve them.

“I think that this is an ideal and effective model to holistically effect change.”

Chris grew up in Maui before attending Claremont McKenna College, where he majored in Philosophy and Literature. One of the highlights of his college years was studying abroad in Paris. Despite growing up in Maui, he admits to being a terrible surfer — but“could give you some tips on falling.”

Chris is a huge soccer fan and loves watching the British club Chelsea. He enjoys listening to new music and likes to cook new foods. When I asked him if he wanted to share any other fun facts, he said “I love cheese!”

Meet Kelsea, Our New Development Manager


Kelsea comes to MAF with a passion for breaking down barriers to mainstream financial services.

No stranger to new places, Kelsea McDonough has lived all over the world: from Santiago, Chile, and Granada, Spain, to San Francisco and Oakland, which she’s now proud to call home. But she originally hailed from Boston, where she graduated from Tufts University with degrees in Spanish and Psychology.

During her formative years in Boston,

Kelsea volunteered at an immigrant advocacy nonprofit and worked at a rape crisis center. She then had the opportunity to spend a year in Granada, Spain, teaching English to preschoolers. Upon her return, she made her way to the Bay Area. She worked for several years in fund development at Prospera (formerly WAGES: Women’s Action to Gain Economic Security), an Oakland nonprofit that empowers low-income Latinas to build workerowned cooperatives. During that time, Kelsea also volunteered as a domestic violence counselor at WOMAN Inc. in San Francisco.

She first learned about MAF in 2013.

A colleague came to Kelsea raving about her great experience building credit through Lending Circles, and Kelsea was immediately inspired to join a Lending Circle with a group of co-workers. She still remembers the day they formed their circle, which they named “Celery Sticks with Buffalo Sauce” — the snack they were enjoying at the time.

Kelsea strongly believes that we must break down barriers to the financial mainstream for low-income communities in the U.S., and she’s admired MAF’s innovative Lending Circles strategy for many years. From the moment she walked into MAF’s colorful, high-energy office, she was impressed by how the team lives its values on a daily basis.

“Now that I’m here, every day I’m inspired by the whole team’s drive to push the envelope on creating meaningful financial products for low-income consumers.”

What does Kelsea find so inspiring about MAF? “Everything!” she says, “but I’m especially fascinated by how MAF uplifts informal community practices of lending and borrowing money and formalizes them so people can enter the financial mainstream.” Having seen a similar strengths-based approach in action at Prospera, she believes that this is the most effective way to achieve social change. Kelsea also admires MAF’s ability to seamlessly navigate so many fields, from community development and asset building to financial inclusion and FinTech.

Today, Kelsea manages the growth of MAF’s individual donor program and supports our overall marketing and development efforts. With the growing cultural consciousness about the need for more economic mobility — especially in the Bay Area where income inequality is skyrocketing — the time is ripe to mobilize support for MAF’s programs. Philanthropy brings people together to create a world where everyone can thrive.

Kelsea is excited to help MAF realize its bold plan to scale Lending Circles across the country.

In her free time, Kelsea enjoys exploring the Bay Area by bike, practicing kundalini yoga, and taking leisurely strolls around Lake Merritt. She has an unabashed love of cheesy pop music and makes playlists (both cheesy and non-cheesy) for any and all occasions.

Welcome Elena to the Partner Success Team


Elena’s passion for empowering communities and budding entrepreneurs makes MAF a natural fit.

Elena Fairley is a brand new MAFista, but her connection to MAF began three years ago. She first heard about MAF during a presentation at the California Co-op Conference. She was passionate about supporting local community members and entrepreneurs, so the idea of social lending clicked with her immediately.

Soon after, she organized a group of her friends into a Lending Circle.

Even now, Elena’s memory of her Lending Circle experience is vivid and warm: she remembers sharing stories, food, and laughter, and supporting one another achieve their goals. Her circle dubbed themselves “Holy Monkeys, We’ve Got Credit!” — a name that turned out to be true, given the big increases in their credit scores.

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Needless to say, Elena has been a fan of MAF ever since.

Before settling in Oakland, Elena was born and raised in Portland, OR, and graduated from Colorado College with a degree in International Political Economy. As you might
guess from the list of places she’s called home, she’s an outdoor adventure fanatic. When she’s not at work, you can find her outside, splitting her time between rock climbing, surfing, hiking, and biking.

This connection to MAF was no accident.

Elena has been a long-time believer in the power of communities to come together to support one another. Before coming to MAF, Elena was the Learning & Partnerships Director at Prospera (formerly WAGES). This Oakland nonprofit provides training and assistance to Latina entrepreneurs so they can build co-ops — local businesses that are owned collectively by the workers.

At Prospera, Elena had the unique experience of seeing groups of determined, entrepreneurial women come together, pool their skills and resources, start businesses, and achieve economic prosperity. Much like Lending Circles, co-ops are all about leveraging the strengths of communities.

So why MAF?

The second she saw this opportunity, Elena felt a connection. It was an exciting role, a chance to work at the organization she’d admired for so long — a prospect she new she had to explore. Elena is thrilled to have been hired as MAF’s newest Partner Success Manager. She looks forward to forming close relationships with many of MAF’s diverse partners, from Game Theory Academy in Oakland to The Resurrection Project in Chicago.

Behind the Credit Curtains in Houston


A trip to Texas to talk about credit invisibles and how Lending Circles can help

Until recently, my time spent in Texas was limited to a single quick stop over after a study abroad program in Santiago, Chile. I barely had any time to take in the beautiful landscapes seemingly painted on the DFW windows before I was back up in the air again. That’s why I was thrilled to be asked to take some time to head to Houston with our CEO, Jose, to headline an event about Lending Circles for a large group of community-based organizations. I didn’t know what to expect.

My eyes were wide with anticipation as Jose told me about what I would be doing.

I was eager with anticipation to speak to a larger, new audience about the credit building benefits that Lending Circles.

Sure, I talk on the phone to partner organizations throughout the nation every week, and I often lead webinars for partners, but to present in a non-virtual way felt foreign (although refreshing). Everyday is a new adventure at MAF, but there’s always a comfortable structure to that adventure. I typically know which of my coworkers I will need to talk to and what questions to ask them. I was grateful for the opportunity to meet with so many valuable organizations face-to-face.

With a few butterflies in my stomach and an open mind as I left my hotel, I hopped in an Uber and made my way to the United Way of Greater Houston’s office. JP Morgan Chase, Experian and The United Way were coming together to help us host an event so we could talk to nonprofits in Houston about joining our nationwide network of Lending Circles providers.

My Uber driver, James, told me about the amazing diversity of the Houston community as he drove me through the city. He talked about all the new cultures that were growing together and the new little enclaves and neighborhoods that were popping up – it sounded wonderful. He said that this renaissance had accelerated recently due to an impressive population growth in recent years. I loved the thought of being in a city that was growing together at such an amazing pace.

But I knew the stakes, too. The Houston Metro Area has a very high number of unbanked and underbanked families (39%). That’s more than 1/3 of families in the Houston area that are underbanked and credit invisible.

On top of that, 43.9% of Houston families are considered to be “liquid asset impoverished” (that means they don’t have access to adequate credit are one emergency expense away from long term financial disaster). It only made my purpose of speaking about the power that Lending Circles can provide even more critical. By the time all attendees were seated with coffee and breakfast, over 70 representatives from Texas nonprofits were in the room! We were energized by the tremendous turn-out.

The presentation started with the United Way of Greater Houston welcoming all of the attendees, followed by short introductions from Carol Urton of Experian and Yvette Ruiz of JP Morgan Chase. Jose then dove, fearlessly, into speaking about who MAF as an organization and how it formalized the concept of individuals coming together to financially support one another.

Following Jose’s lead, I walked up to the podium and took my place, beginning with the respective responsibilities for the participant and the partner to get clients enrolled and Lending Circles created. It was key to emphasize to this group of potential providers how the transition to a more robust social loan platform has made the expansion of 40+ Lending Circles partnerships possible in states like Texas, a platform that is designed around the capacity and user experiences of both partners and clients.

I was humbled by the engagement of the crowd.

It was clear that almost everyone knew each other from the way each person greeted one another like old friends do. Although everyone at the event was a new acquaintance for me, two staff members from a Lending Circle partner attended: the Houston-based Chinese Community Center. This partner is one of five current providers offering Lending Circles in Texas: Family Pathfinders, YWCA Fort Worth, and El Paso Collaborative, a new partner signed in April 2015.

The only question that remains: which one of the 70 Houston organizations will I get to work with next?

NCLR Presents MAF with the 2015 Family Strengthening Award


This recognition from NCLR helps us pave the way toward a fair financial marketplace for hardworking families

KANSAS CITY, Mo.—At the National Affiliate Luncheon held today at the 2015 NCLR Annual Conference in Kansas City, Mo., NCLR (National Council of La Raza) recognized two community-based organizations that belong to the NCLR Affiliate Network for their outstanding efforts to empower Latino families and broaden opportunities available to them. This year’s awardees are Mission Asset Fund in San Francisco and Guadalupe Centers, Inc. in Kansas City, Mo.

“We are honoring Mission Asset Fund and Guadalupe Centers at the 2015 NCLR Annual Conference for work that has transformed the lives of young Latinos and their families. Their dedication and success strengthen our entire community,” said Janet Murguía, President and CEO, NCLR. “We applaud these exemplary organizations and their innovative approach to helping the Hispanic communities in Kansas City and San Francisco gain access to safe credit and affordable health care.”

Presented annually, the NCLR Family Strengthening Awards honor two NCLR-affiliated community-based organizations for their commitment to bolstering the success and strength of the Hispanic community through a combination of programs and services. Each recipient receives a $5,000 cash award to further their work in the community and their partnership with NCLR.

Founded in 2007, Mission Asset Fund works to create a fair financial marketplace for hardworking and low-income families who lack the access and resources to reach their financial goals. The organization was recognized for its innovative Lending Circles program, a zero-interest credit-building social loans program designed to help weave low-income families into the financial mainstream. The program enables participants to build credit scores and credit histories and achieve financial stability.

“We are thrilled to be chosen as this year’s recipient of the NCLR Family Strengthening Award,” said Jose Quinonez, CEO of Mission Asset Fund. “This recognition from NCLR helps us pave the way toward a fair financial marketplace for hardworking families in the U.S. Together, we expand access to thousands of credit invisibles across the country, ensuring they aren’t stuck with predatory loans from payday lenders and instead are building on the strengths of their community to take the next financial steps in their lives.”

Established nearly a century ago in 1919, Guadalupe Centers, Inc. in Kansas City, Mo., is the oldest operating community-based organization for Latinos in the United States. Enhancing the quality of life for Hispanics through a comprehensive set of educational, social, recreational and cultural services, Guadalupe Centers, Inc. is improving the lives of Latino families. The group was recognized for its launch of the Guadalupe Educational Systems, a charter school program that provides a rigorous and enriching learning experience for Latino K–12 students. Through this program, Guadalupe Centers, Inc. is helping remedy the educational gaps affecting Kansas City Latinos and empowering young students to reach their full potential.

“Throughout 96 years of service, Guadalupe Centers, Inc. has provided educational programs for the Latino community. We appreciate the collaboration with NCLR in these endeavors and are honored to receive this recognition,” said Cris Medina, CEO, Guadalupe Centers, Inc.

NCLR—the largest national Hispanic civil rights and advocacy organization in the United States—works to improve opportunities for Hispanic Americans. For more information on NCLR, please visit www.nclr.org or follow along on Facebook and Twitter.

New Lending Circles Program in DC Area

Lending Circles to Debut in Washington, D.C. to Help Individuals and Entrepreneurs Build Credit


Latino Economic Development Center and Northern Virginia Family Service launch peer-to-peer lending program in partnership with MAF and Capital One

Washington, D.C. – July 8, 2015Latino Economic Development Center and Northern Virginia Family Service today announced the launch of DMV Lending Circles, a new peer-to-peer lending program in Washington, D.C., Virginia and Maryland, through a partnership with MAF that helps low-income Hispanic communities safely build credit with zero-interest loans. Loan payments made through Lending Circles are reported to credit bureaus, and the average credit score increase for participants is 168 points.

Lending Circles draws on the immigrant tradition of peer borrowing to empower members of communities to support one another. Participants make monthly loan payments and take turns receiving zero-interest social loans ranging from $500 to $2,500. All loan payments are reported to credit bureaus, enabling participants to build a credit history, raise credit scores and work towards greater financial stability.

“LEDC’s asset-building programs around homeownership and entrepreneurship are most successful when clients start with a solid credit history,” said Marla Bilonick, executive director, LEDC. “We were so excited to be selected by MAF to provide Lending Circles to DC area clients because credit-building is a critical piece for achieving financial empowerment and building wealth. Lending Circles give LEDC another tool to help our clients improve their financial well-being and fulfill their dreams.”

“Our clients are hardworking, extraordinarily motivated entrepreneurs. The NVFS Escala Program simply provides them with the missing skills and information to help them overcome barriers that many low-income immigrants face when starting a business,” said Adrienne Kay, Escala program manager, NVFS. “One of those barriers is credit and access to capital, and we are thrilled that through our partnership with MAF, our clients will access affordable loans, build credit history, and prepare for a financially stable future.”

According to a recent report from the Consumer Financial Protection Bureau (CFPB), one in every 10 adults does not have any credit history with a nationwide consumer reporting agency, making it incredibly challenging for them to do anything that requires a credit score, including getting an education, starting a business, renting a car or buying a home. This same report found that Hispanic consumers and consumers in low-income neighborhoods are more likely to have no credit history or not enough current credit history to produce a credit score.

 “Without credit scores, there are no ‘good options’ when you want to start a business or get a small loan,” said Jose A. Quinonez, CEO, MAF. “Now, with the support of Capital One and partners like LEDC and NVFS, together we are providing a solution that works right here in the nation’s capital.”

LEDC, NVFS, MAF and Capital One will celebrate the launch of Lending Circles at an event taking place on July 8th at WeWork’s offices in Washington, D.C., where DMV Lending Circle members will speak about their experience and success with the program.

“Having a strong credit history is essential for individuals to thrive in today’s economy and ensure their financial well-being,” said Daniel Delehanty, Senior Director, Community Development Banking, Capital One. “As Greater Washington’s hometown bank, Capital One is proud to partner with LEDC and NVFS and support the regional expansion of Lending Circles, leveraging technology, credit reporting and MAF’s proven track record of harnessing the power of community to have a positive impact on individual economic success and stability.”

In addition, as part of their Building Entrepreneurial Economies program, the Virginia Department of Housing and Community Development has partnered with NVFS to further the expansion of Lending Circles in Virginia, with a particular emphasis on Prince William County.

For more information on Lending Circles, please visit lendingcircles.org


About MAF and Lending Circles

MAF is a San Francisco-based nonprofit on a mission to create a fair financial marketplace for hardworking families. Its social loan program, Lending Circles, helps hardworking families access a zero-interest loan, receive financial education, and start building a credit history safely and effectively. People around the world lend and borrow with each other when bank loans aren’t an option. With technology and credit reporting, Lending Circles transforms this traditional practice to help borrowers access affordable loans, build credit history, and build financial stability. Social loan programs have demonstrated their ability to help people open bank accounts, avoid predatory lenders, and quickly and safely build their credit history. Lending Circles provides a safe and reliable way for hard working families to save money, pay down high cost debt, and break free of predatory lenders, while building the credit they need to thrive. For more information about MAF, visit: missionassetfund.org or lendingcircles.org.

About the Latino Economic Development Center

The Latino Economic Development Corporation/Center (LEDC) is a non-profit 501(c)(3) organization incorporated in 1991 in response to civil disturbances in the Mount Pleasant community. For 24 years, we have delivered comprehensive community and economic development services to build the capacity of DC area Latino and other underserved families. LEDC’s mission is to drive the economic and social advancement of low- to moderate- income Latinos and other D.C. area residents by equipping them with the skills and tools to achieve financial independence and become leaders in their communities. LEDC achieves its mission through four key service areas: small business development, microlending, affordable housing preservation; and homeownership and foreclosure counseling. We operate out of our Headquarters in Washington, DC and two satellite offices in Wheaton and Baltimore, Maryland.

About Escala

Escala, Northern Virginia Family Service’s Small Business Program for entrepreneurs, provides one-on-one small business development consulting and coursework to low- and mid-income families living in Northern Virginia. The program aims to assist clients in overcoming barriers to launch and grow sustainable businesses that increase household incomes, create jobs, and contribute to the local economy.

About Capital One

Capital One Financial Corporation, headquartered in McLean, Virginia, is a Fortune 500 company with branch locations primarily in New York, New Jersey, Texas, Louisiana, Maryland, Virginia, and the District of Columbia. Its subsidiaries, Capital One, N.A. and Capital One Bank (USA), N. A., offer a broad spectrum of financial products and services to consumers, small businesses and commercial clients. As part of its ongoing commitment to communities across the country, Capital One recently launched Future Edge, a $150 million commitment to empower more Americans to succeed in a digitally-driven economy through community grants and initiatives over the next five years. To learn more about Future Edge and other Capital One initiatives please visit

www.capitaloneinvestingforgood.com.

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