Monthly Archives: April 2022

What Is the Best No Contract Internet Service

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If you`re an Xfinity internet customer with its flexible streaming box, you`ll now have access to YouTube TV.8 Cable connections slow down when there`s a lot of internet traffic in your neighborhood (which often corresponds to the same times you want to be online), while DSL connections slow down the farther you are from your provider. You may also temporarily lose your connection if your provider needs to perform routine repairs or maintenance over the network. Internet service providers aren`t generally known for their excellent customer service, but AT&T (along with Verizon) tops the charts in the latest American Customer Satisfaction Index (ACSI) report.1 However, there are no speed levels in the plan. CenturyLink promises to offer the best internet speed in your area at the same price it charges everyone. This doesn`t sound good for everyone, as subscribers who get 20 Mbps speed have to pay the same as those who get 100 Mbps internet speeds in another region. In addition, the Spectrum Internet Assist (SIA) program offers high-speed Internet to low-income households for only $14.99/month, with all the benefits it offers to its regular customers. Whether you have access to Frontier Internet (DSL) or Frontier FiberOptic, you don`t have to worry about binding contracts. In addition, equipment costs are included in the monthly price. If a contract is an issue, perhaps because you plan to move before the term agreement expires, there are great prepaid options from Cox, Verizon Fios, and Xfinity.

You may also be able to find regional providers like Starry Internet, which basically offer monthly service at a decent price. If you take an Xfinity Flex streaming box with your internet service, you will now have access to YouTube TV with Sling TV and Hulu + Live TV.8 Believe it or not, internet contracts can be beneficial – you can get a lower monthly rate with a long-term contract. On the supplier side, they can keep customers for at least a year. So if you can commit to a deal, it`s a win-win situation for you and your ISP. A long-term contract with an ISP or ISP has its advantages, but not if it comes with a high fee for early termination. Fortunately, more and more ISPs are now offering contract-free options. Whether you`re preparing for future moves or are simply uncomfortable committing to long-term commitments, this guide will give you an overview of the different contract-free internet plans that may be available in your area. Xfinity is another provider that may or may not require a contract. In some areas, mainly in the West and Northeast, Xfinity requires a one-year service contract to get the lowest price for the cheapest plan, but not for other plans (except Gigabit Pro).

Xfinity service areas in the Central and Southern regions require a one- or two-year service contract with all plans to achieve the lowest adoption rate. The FCC has set a download speed of 25 Mbps as the standard for broadband Internet. But if you have smart home devices or a lot of people use the internet in your home, you`ll want more than the broadband standard. However, in order to stay competitive, some internet service providers have emerged that offer plans without the hassle of an annual contract. While not all ISPs offer internet plans without a contract, those that do have conquered the market and convinced fans. Customers are no longer burdened with annual contracts and early cancellation fees when they change or choose a plan from another provider. If you`re not sure if providers in your area offer no-contract internet packages, use the zip code tool to find out. IMPRESSIVE! Internet service via its cable broadband is available in 10 U.S. states. It is the 6th largest supplier of domestic cables in the United States.

However, DSL and fiber optic Internet services are quite limited. Spectrum is as simple as possible when you look at cable INTERNET providers. There are three plans – 200Mbps, 400Mbps and 1 gig – and all are free of contracts and data caps. In all three cases, the average cost per Mbps in the first year is 17 cents, after which it is expected to average 25 cents per Mbps. Fast connections are important, but they don`t do much good if that speed isn`t there when you need it. There are many circumstances that can slow down your connection depending on the type you have. We compared all the major ISPs that offer a no-deal option. We`ve factored in prices, speeds, data caps, device fees, and availability to find the top 5 contract-free internet options. We haven`t selected all the fastest or cheapest options for our list, but instead we`ve selected five internet plans that offer different benefits to ensure that all customer needs are met. We cover this in more detail in our Verizon Fios TV and Internet Combos review if you`re the kind of person who loves a bit of TV with your internet. Many ISPs allow you to dodge contracts, so take advantage of it if you don`t stay in one place for a long time. Look for the providers we have mentioned in this article, especially Optimum and RCN – the best ISPs without a contract.

Optimum offers excellent internet speeds at a great price, but only if you live in New York, New Jersey or Connecticut. You`ll also get $100 off your bill when you sign up with Optimum and leave your current ISP. If you combine internet and TV, you`ll get up to $500 more. This can give you an idea of the provider that will save you money in the long run, the provider that will have better customer service, and even the supplier you won`t need to sign a contract with. (If any of them have this option, which we hope they will do.) If you`re looking for flexibility, a contract-free internet plan may be best for you! While it`s not known for its super-fast download speeds or low latency, satellite internet has come a long way. Viasat`s unlimited internet plans now go up to 100 Mbps, which is exploding HughesNet`s 25 Mbps speeds. Depending on the ISPs available in your area, you may have internet options from providers that allow you to pay at will instead of signing a long-term contract….

What Is Pad in Business

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Payments Canada`s rules and standards do not specify whether businesses can charge a fee when their customers pay using a particular method. First, check to see if your financial institution offers a PAD service for business customers. If this is the case, enter into a contract (usually referred to in H1 as “Beneficiary Commitment”). Your financial institution will agree to issue PADs on your behalf and you will agree to abide by Payments Canada`s rules applicable to PADs. If this is done for commercial purposes, it is considered a Business PAD. Since you are transferring money between accounts of the same company or closely related companies, you do not need to enter into a PAD agreement with the other party. However, you must have an agreement (a recipient commitment) with the financial institution that processes these payments for you. I further acknowledge that for reimbursement, a statement that (a), (b) or (c) has taken place must be completed and presented to the branch of the processing institution holding the account no later than the 90th calendar day, in the case of a personal PAD or money transfer PAD used through the clearing system, or in the case of a BUSINESS PAD no later than the 10th business day, in each case after the date on which the disputed CCA was published on the account. You`re not particularly romantic, but you`re interested in the action. They are serious.

With you, what you see is what you get. You have no patience to flirt and can`t be bothered by someone who tries to be shy, gentle, reserved, and subtly tempting. You are a direct person. When it comes to sex, it`s the action that counts, not the obscure clues. The physical attractiveness of your partner is important to you. They find hunting and the challenge of “hunting” invigorating. You are passionate and sexual and much more adventurous than you seem; However, they do not promote these qualities. Your physical needs are your main concern. The financial institution, on behalf of the organization, will reimburse me for any amount wrongly withdrawn within 90 calendar days of payment of a personal PAD and within 10 business days for a business file, provided that the refund is requested for a valid reason.

If a DPA is rejected due to incorrect routing information or missing transaction information, it is returned to your financial institution, sometimes the same day. Your financial institution will then notify you. If the customer`s financial institution is unable to withdraw funds from your customer`s account (e.B. if there is not enough money), the PAD will be returned to your financial institution no later than the next business day. Pre-authorized levies (PED) are a powerful tool for companies. They are sometimes referred to as direct debits, pre-authorized cheques (PACs), pre-authorized withdrawals or pre-authorized payments (PAPs). Cash management PADs transfer, consolidate or position funds between accounts held by your company or closely related companies in different financial institutions. For example, a parent company may use cash management PADs to withdraw money from an account of its subsidiary. Corporate PADs arrange payments for goods or services related to your business, by . B payments between franchisees and franchisors, distributors and suppliers, or dealers and manufacturers. If agreements with the Company`s current clients include an assignment clause, the new owner may continue the developing countries if the Company`s financial institution “signs” the existing agreements (as well as any new ones). You must also send a written notice with all the details of the transfer to your customers (including the name and contact information of the new owner).

If a PAD bounces, you can try the same PAD again. This must be done within 30 days of the initial transaction date, and payment must be made for exactly the same amount. It cannot include additional fees charged by your company. You agree that your financial institution has no obligation to verify that a Business PAD has been drawn in accordance with this authorization, including the amount, frequency and fulfillment of any purpose of a Business PAD. Customer represents, warrants, undertakes and agrees to comply with all applicable laws, including with respect to the cessation of payment of a cheque and the revocation of its authority to Business PAD as necessary in connection with this Service. Your financial institution is responsible for reviewing the forms and related processes you wish to use. Your financial institution may also have a model agreement that you can use. You can also include the mandatory elements of the PAD agreement in another agreement or contract. Yes, by following the cancellation process in your payer`s PAD agreement or informing you that they no longer want to pay by PAD. We recommend that the customer do this in writing and keep a copy of the cancellation request.

Yes. The ideal balance is to provide enough information for your customer to understand the details of the agreement, while ensuring that enough bank account number is hidden to protect their privacy and security. You also need to have an agreement (usually called the payer`s PAD agreement) with your customers. This agreement can be concluded on paper or electronically (e.B. online or by telephone). Yes, if they withdraw money from bank accounts held at participating financial institutions in Canada. Your agreements and related processes must comply with the mandatory requirements of Rule H1. Termination of a PAD contract will not terminate the contract for goods or services between you and your customer and will not cancel any amount they owe you. By revoking the PAD contract, the customer simply indicates that he no longer wants to pay by PAD.

You will need to make other arrangements with you to pay all amounts due. Note: In the case of variable amounts, you must give notice of the amount at least 10 days before payment, unless you and the payer mutually agree to waive or shorten this period, or if the payer asks you to change the amount. For more details, see sections 14 and 15 of Rule H1. Keep a copy of the changes with the original agreement for at least one year after the account was last debited. For variable ADPs at specified intervals (e.g., monthly), you must notify the customer at least 10 days prior to each payment, unless you and your customer mutually agree to shorten or waive this “pre-notification” period in the payer`s PAD agreement. The waiver must be clearly visible in a paper contract (e.B. bold, highlighted or underlined) or expressly communicated to your customer in the case of an electronic agreement. If your customers register electronically, it is your responsibility to verify that the personal and/or banking information provided actually belongs to them. For examples, see section 5(e) of Rule H1 or your financial institution. Yes, but you must make this clear in the payer`s PAD agreement. Each CSA authorization has been executed by individuals with signing authority in relation to the account with a Canadian financial institution that is the subject of such a CSA authorization, and any such CSA authorization is a corporate PAD and not a personal MAP. Further details are provided in Article 25 of Rule H1.

Yes, one-time pre-authorized debits are allowed and you must have an agreement. Rule H1 applies to recurring and one-time PADs. DEFINITIONS Business PAD: Means a PAD (pre-authorized debit on paper, electronic or other) that is drawn into a payer`s account, such as.B., but not limited to, a business, organization, business, association, government agency, profession, business or business, for the payment of goods and services related to the payer`s business activities. Personal PADs are automated recurring payments from your customers` bank accounts for the goods or services you provide. From the point of view of Payments Canada`s rules, the agreement is not cancelled by a payment from the NSF. Yes, if the PAD does not comply with the terms of the payer`s PAD agreement, e.B. wrong date or amount) or if there is no agreement. If payments are made at fixed intervals, you must notify your customer at least 10 calendar days before the amount change, unless the agreement expressly provides for a change in the amount (if the customer requests it) or you and your customer agree to shorten or waive the notification period. This must be dealt with outside of our rules in accordance with Article 24 of Rule H1.

If you make a mistake, you can ask your financial institution to call it back (if it has not yet been processed) or to make an error correction (if it has already been processed). You must do so within the time limits set out in your agreement with your financial institution. You agree that any instructions you provide to sign a Business PAD and any Business PAD drawn up in accordance with this Authorization will be binding on you. Payments Canada and its participating financial institutions have established conditions for the processing of PADs to ensure appropriate authorization and to protect against inappropriate withdrawals. .

What Is in a Separation Agreement

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A separation agreement is an agreement on all the issues that you and your spouse need to resolve before the divorce, such as. B division of matrimonial property (assets and debts), custody, access and support issues, as well as temporary and post-divorce support (commonly referred to as “spousal support”), where applicable. The separation agreement must be signed and notarized by you and your spouse. Thanks to a separation agreement, the spouses are able to decide everything and have full control over the outcome of the divorce proceedings. Legal and local courts provide contract forms, but people who do not receive them can customize each contract form to suit their needs. Agreements can also be uploaded, and spouses can get 3-4 forms and combine to create a custom agreement. Websites where couples can download agreement forms contain those belonging to state or district courts. Local websites include Find Law, Rocket Law,, and Law Depot. Forms ask online questions to couples who fill them out and print them out to create written documents. There is no residency requirement to obtain legal separation by agreement in New York as long as both parties are located in New York at the time of signing the separation agreement. Most of the issues that need to be resolved during a divorce can be resolved in advance during a legal separation. However, unlike divorce, when legal separation has been established, the spouses are still married under the law and are not allowed to legally marry another person.

A separation agreement is a document that two people in a marriage use to divide their property and responsibilities when preparing for separation or divorce. As part of the separation agreement, you and your spouse can decide on a number of important issues, such as. B, family allowances and spousal support (called alimony). As with other marriage contracts, a written separation agreement clearly states the rights and obligations of you and your spouse during and after the separation. If one of the spouses does not comply with the obligations arising from the separation agreement, the other spouse may enforce the separation agreement in court. “The notarization of signatures involves sealing or stamping the contract form to make it dissuasive and authentic. The process ensures the trust of couples when they confirm that they have signed the form through a free and voluntary will,” says Robin Wilson, Family Law Writer at Paper-Research and BeeStudent. Each party shows up in person to affix a notarized sign, a procedure that eliminates future misunderstandings about the document. Some people may consider separation and divorce to be essentially the same thing, but there are differences between the two. While a separation may be the first step in a divorce, it is not an actual divorce and is treated differently in court.

Although a separation agreement is a legally binding contract, you would generally not need to go to court to finalize the agreement, as a separation is not something a judge needs to be involved in to enforce or decide. Once both partners have signed it, the separation agreement will be filed with the New York County Clerk, where both partners are based. After one year of legal separation, each spouse can apply for divorce regardless of fault. This private document may include items such as family allowances and visiting, maintaining and dividing property. A lawyer can submit a full separation agreement to the court before the divorce proceedings begin so that it can be part of the judge`s final divorce judgment. What is the effect of legal separation? And what does that mean? Is legal separation the right choice for you and your spouse? There are many benefits for spouses who are willing to solve problems in a legal marriage separation agreement: a separation agreement must be voluntary. Neither party may be compelled or compelled to sign such an agreement. It is important to understand that a separation agreement is not a court order and that the court will not force your spouse to comply with the agreement using the court`s non-compliance powers. To ensure compliance, you can sue your spouse for breach of contract if they violate the separation agreement. Contact the experienced family law lawyers at Haas & Associates, P.A. to guide you through the legal process of drafting, reviewing and negotiating a separation agreement, or if you or your ex-spouse are currently in violation of a separation agreement. Child allowance: Family allowances can be negotiated and included in your separation agreement.


What Is Considered a Legal Form of Identification

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A DOD ID number is usually the holder`s social security number. However, on June 1, 2011, the DOD began phasing out the use of the NSS to protect the identity of military personnel. [17] It was replaced by a 10-digit DOD identification number and a 12-digit performance identification number. Information from the government of Puerto Rico so that citizens can apply for a new birth certificate. Many organizations, universities, and companies have always used NSS to uniquely identify their customer or student populations. The Family Educational Rights and Privacy Act of 1974, also known as the Buckley Amendment, required changes that eliminated the use of the SSN as an identifier for a student. Educational institutions now request the NSS at first contact, as required by other federal laws, and assign each individual their own unique number to preserve the individual`s privacy if necessary. Other laws require the NSS to be associated with interest-bearing accounts, interest-bearing loans, most government-issued public assistance programs and identification, driver`s licenses and.B. To reduce the incidence of identity theft, several states have enacted laws requiring institutions that use the NSS to assign individuals their own identification numbers and prohibit them from using the SSN as their primary key. For more information or to request a certified copy of a birth or marriage certificate for a birth or marriage that took place in Tennessee, visit: Tennessee Department of Health Vital Statistics Office Legal forms of identification are used to determine identity, residency, and citizenship. Employers, schools, government agencies, banks, and social services can all ask for legal identification before agreeing to work with a person. Each state, agency, company, or educational institution may set its own legal identification rules, but in general, government-issued documents bearing the full name, date of birth, and photo of the ID holder are considered legal forms of identification. Federal, state, and local governments and agencies typically issue identification to their employees.

These cards can be used to prove identity outside the workplace. Although there are varying degrees of acceptance, the identification of government jobs is generally considered more reliable than the identification of the workplace by a private company. A notable example is the Common Access Card of the Ministry of Defense, which serves as the main identity card of the army. Passport information can be found at For more information about birth documentation or proof of another state`s name change, see: National Center for Health Statistics. While many U.S. adults carry their driver`s license with them at all times when they`re away from home, there`s no legal requirement that they must carry their license if they`re not driving a vehicle. However, the U.S. Supreme Court has ruled that states are allowed to require people to honestly provide their names when requested by a police officer; About half of the states have passed a variant of stop-and-Imark laws that require compliance with these police investigations.

In some states, such as California, failure to provide identification when a traffic violation is cited (e.g. B, riding a bicycle on the wrong side of the road) is sufficient justification to justify a total deprivation of liberty. [8] In addition to verifying driving privileges, driver`s licenses are used to purchase auto insurance or during a police check and serve as the primary form of identity for U.S. adults. They are often used by government agencies and private companies to verify identity or age, e.B. when entering secure government facilities, boarding a commercial aircraft, conducting business transactions, or purchasing age-restricted items, such as alcoholic beverages or cigarettes. To obtain various pieces of identification in the United States, U.S. citizens must provide a certified copy of their birth certificate. For more information on how to request a certified copy of your birth certificate, you can read our articles where you will find the necessary information and requirements. The NSS was created to ensure the accurate declaration of an employee`s wages to the Social Security Administration. Before 1986, it was common to apply for an NSS just before it was needed, mainly in adolescence.

The Tax Reform Acts of 1986, 1988 and 1990 required parents to provide the NSS for children over 5, 2 and 1 years of age respectively in order to benefit from an income tax deduction for the child. This led parents to request the SSN of their children at birth. As already mentioned, there are several valid forms of identity, many of which are issued by the state. Acceptable primary proof of identity in the United States includes original documents or certified documents that include a person`s full name and date of birth. Because their initial purpose was so limited, social security cards were not developed with the strict security measures generally expected of identity documents. They do not have a photo or physical description of the wearer, and they do not need to be renewed. Therefore, the social security card is generally not considered proof of identity, but only as proof that the person named on the card has the number indicated on the card. It is typically used in conjunction with other documents, such as photo ID, to prove that the person holding the card is legally in the United States and has the right to work in the United States. (unless the card is marked with a restriction). [5] For citizens who do not acquire U.S.

citizenship by birth in the United States, the federal government issues a U.S. citizenship certificate or naturalization certificate, which are documents that work in the same way as a birth certificate. These two documents, along with a U.S. passport, are by law one of the few primary documents to prove U.S. citizenship. As a rule, these certificates are not worn daily; Instead, they are used to obtain other documents such as a passport or driver`s license, which are then transported and used as the primary means of identification. PLEASE NOTE: All documents are subject to review by the issuing body or source. Documents subject to verification may delay the issuance of your license, driver`s license, ID or ID. For more information or to request a certified copy of a birth certificate or marriage certificate from another U.S.

state or territory or property, visit: National Center for Health Statistics. Photo ID issued by the U.S. military is considered a legal form of identification, along with pilot licenses, certified copies of school reports, baptismal certificates issued by a recognized church, and U.S. government employee ID with an up-to-date photo and signature. While they are not considered primary forms of identification, legal identification can also include Social Security cards, school ID cards, voter registration cards, and Native American tribal documents. Non-citizens residing in the United States can use their immigration documents as identification when applying for a job, applying for a driver`s license, or doing business. Legal immigration documents may include naturalization certificates, citizenship certificates, I-94 cards, resident alien cards, visitor visas, and student visas. Prior to 2005, each state designed its own driver`s license to its own standards. In 2005, the U.S. Congress passed a controversial law known as the REAL ID Act, which established uniform standards for the design and content of state driver`s licenses and gave the Department of Homeland Security the power to implement and regulate compliance with the law. One of the most controversial aspects of the law was that it required all underlying state databases to be linked in a single national database.

[Citation needed] The main purpose of the U.S. passport card is to provide a more convenient identity and wallet-sized travel document for citizens who wish to carry an official federal ID card and for those who live near a land border. [12] It can be used for land and sea travel between the United States and Canada, Mexico, the Caribbean and Bermuda, but cannot be used for other countries or for international air travel. [13] Apart from these travel restrictions, the passport card has the same rights and privileges as the passport booklet. Passport card is also accepted as a valid ID for domestic flights within the United States. [14] U.S. Citizenship and Immigration Services pointed out that the U.S. . . .

What Is an Errors and Omissions Agreement

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Now that you know which events are covered, here are the typical events that would trigger coverage under professional liability insurance. While contractors and manufacturing companies often don`t bear the same e&O risk as other types of businesses, we recommend this coverage separately from the design component in some cases. These policies protect against defects such as defective materials, errors in the ordering of materials and – in the case of manufacturing – against defects in finished products, even if they have only resulted in financial damage to the customer (product liability requires bodily injury or property damage). Error and injunction insurance often covers both legal costs and any settlement up to the amount specified in the insurance contract. This type of liability insurance is usually required for consulting or professional services companies. In general, the insurance clause for errors and omissions established in reinsurance contracts indicates that the parties remain liable to the extent that the delay, error or omission has been corrected when it is discovered. This abbreviation is used to give the receiving party a disclaimer that errors or errors on the document are unintentional. Here you should know what is included in your E&O policy or offer. The businesses that require this insurance coverage are those that provide professional services to their clients, at para. B example in the fields of finance, investment and banking, legal industry and real estate. There is also an increased need for errors and omissions in the information technology industry, as IT affects the infrastructure of most businesses.

In addition to insuring your business with professional liability insurance, you should add an error and omission clause to your company`s contracts to set customer expectations. Error and omission clauses are most effective when prepared by a lawyer and supported by professional liability insurance. Indeed, even with a clear and well-written E&O clause, a customer can still claim to have suffered pecuniary damage and take legal action, and a court can hold you liable for the loss. .

What Is a Stated Case in Law

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In an appeal (before the Commission`s final decision), a question of law may be referred to the Supreme Court at any time, either on the initiative of the Commission or at the request of one of the parties. However, the Chamber has the discretion to dismiss a party`s request to present a case before an appeal is concluded. If the Chamber decides to refer a case, we must stay the proceedings to the extent that it relates to the point of law until the court has rendered its decision. If you are affected by a decision of the House, you can appeal to the Supreme Court of British Columbia. An appeal can only be brought on a question of law and is called a “declared case”. The procedure does not constitute a complete new hearing of the appeal against the property valuation. The court will have at its disposal the evidence submitted to the Chamber. You can indicate whether the Board erred in law, but you cannot present new evidence that it does not have on appeal. Factortame: R v. Secretary of State for Transport, ex p Factortame (item 2) A written statement of the facts drawn up by a Magistrates` Court or a Tribunal and submitted to the Divisional Court for an opinion on any legal or judicial question.

Any person who has been a party to the proceedings or who is aggrieved by the decision may apply to the court to present a case. See Calling System Feature. Law based on the results of previous legal proceedings. The declared case is a formal written presentation of the facts of a case, submitted to the court jointly by the parties, so that a decision can be made without trial. Since the facts are thus determined, it is for the court to rule on the point of law referred. A given case is also called an amicable action, an agreed case or a friendly trial. Once the notice has been submitted, the parties to the court proceedings must set the hearing dates through the court registry. The Valuation Act stipulates that the parties must be heard within one month of the filing of the specified case. In practice, especially in the busiest registers, the case is often postponed to a later date for a full hearing. It is imperative that the parties inform the Chamber of the hearing dates, as we must submit all evidence submitted to the Commission and all copies ordered and paid for by the Parties. As a general rule, the Chamber does not participate in judicial proceedings. Written statement setting out the facts of a case.

It is submitted by a court of first instance when the High Court is asked to give an opinion on the law. The judges cited their case to ask for comment. The Commission will forward the draft of the declared case to all parties to the call for comments. The Chamber will take into account the submissions of the parties, but has the final say on the wording of the factual assertion contained in this case. The Commission will NOT add any new facts or evidence or alter the Committee`s conclusions in the decision. In the event that Ireland is bound by the Acts of Parliament in England, the House must finalise the declared notice of case and submit it to the Supreme Court within 21 days of receipt of the request for disclosure of a case. This period may not be extended by the Board of Directors. After hearing the case, the judge must take a decision within two months. The parties may appeal with “leave” of the Court of Appeal.

Historically, this has been a procedure used by the Court of Chancery to refer difficult legal issues to a common law court. This procedure was abolished in 1852. A document created by a lawyer that contains the instructions that the lawyer must follow when acting on behalf of the lawyer in court. If you do not ask the appropriate legal questions, the Commission will not act on the request to report a case until the correct questions have been received within the 21-day period. You must make it clear how you think the Commission made a mistake with regard to the format of the questions. The questions must relate to the Commission`s decision. If the tribunal finds that the Board erred in law, the appeal is referred to the Board. Further consultations may be required, but sometimes the Council may simply make a decision to change its previous decision. In English law, this means the appointment of a magistrates` court to the Divisional Court of Queen`s Bench in criminal matters. After the decision, the magistrate provides the facts for the appeal and the Queen`s Bench decides on the legal issue raised by the magistrate`s decision.

The Commission strongly recommends that you seek legal advice if you are considering asking the Commission to file a specific case. The Chamber is not in a position to assist in the preparation of the question of law or judicial proceedings once the communication on the case has been filed. Admission of a State to the United Nations, conditions for, case. The board has a form that you can use to prepare your application. The Council cannot help you formulate the questions – it is your responsibility to any legal adviser you hire. The Supreme Court generally orders the unsuccessful party to bear the costs of the successful party. Parties should seek advice on this issue before proceeding with a specific case. You must submit a specific case by sending the application to the Board within 21 days of receiving the Board`s decision. Your request, which is called a request to hear a case, must contain the legal questions that the Supreme Court is required to answer. An extension of this 21-day period is not provided for in the Assessment Act. If the request does not contain appropriate points of law, you are advised to submit properly formulated legal questions, which must be received within 21 days of receipt of the contested decision.


What Is a Netting Agreement

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As a result, Investor B would pay $60,000 (net amount) to Investor A, while Investor A would have nothing to pay Investor B. This is an example of payment settlement or clearing. It is important to note that if the currencies in our example were different, such a type of compensation would not be used. In the net settlement, counterparties add up the net amount due under all contracts under the framework clearing agreement. The counterparty that owes money is obliged to pay its debts to the other counterparty by making a single payment in a single currency. As a general rule, contracts concluded under a framework clearing agreement are derivative financial instruments, including futures, options, swaps, convertible bonds and other contracts the value of the derivative of which results from the value of a related underlying security. In addition, repurchase agreements and securities lending transactions are often included in framework netting agreements. Two manufacturers could conclude a framework clearing contract if they act as joint suppliers and customers for each other. Here we give a simple example of how the net is used in the real world. Investor A owes $50,000 to Investor B and Investor B $110,000 to Investor A.

In such a case, we assume that the settlement dateend date of end date is an industry term that refers to the date on which a trading or derivative contract is considered final and the seller must transfer ownership of both transactions and the currency of the exchange rate is the same. Instead of investors A and B making two separate payments to each other, the transaction values can be net. Based on the example above, in the case of currency exposure, the company can use exposure clearing, which is a method of hedging currency risk. Currency risk or foreign exchange risk refers to the exposure to which investors or companies operating in different countries are exposed to unpredictable gains or losses due to changes in the value of one currency against another currency. balancing the exposure of one currency with another similar currency. When used for foreign currency transactions, clearing can reduce the number of transactions generated per month (saving costs because each transaction is charged) and also reduce the exchange rate conversion fees for various transactions. Clearing is very common in swap markets. Suppose two parties enter into a swap agreement on a particular security in which they owe each other money. At the end of the swap period, the following are due: companies can also use compensation to simplify third-party invoices and ultimately reduce multiple invoices to one. For example, several departments of a large transportation company source paper from a single supplier, but the paper supplier also uses the same transportation company to ship its products to others. By offsetting the amount that each party owes to the other, a single invoice can be created for the company that has the unpaid invoice. This technique can also be used when transferring funds between subsidiaries.

One of the main benefits of compensation is to reduce the risk exposure of a particular party. If an investor owes money for one trading position and needs to receive money for another trading position, clearing allows them to reduce the risk of interaction with two counterparties and help them offset the loss with profits (or vice versa). In this context, Article 119(VIII) of Law 11.101 of 9 February 2005, better known as the new Bankruptcy Act, states that “if there is an agreement on the clearing and settlement of obligations within the framework of the national financial system in accordance with the applicable law, the non-bankrupt party may consider that the agreement is due prematurely. In this case, it is regulated as stated in the regulation and accepts the offsetting of loans calculated in favor of the bankrupt party with loans from the contracting party. “Multilateral clearing is compensation in which more than two parties are involved. In this case, a clearing house or central exchange is often used. Multilateral clearing can also take place within a company with several subsidiaries. If subcontractors owe each other payments of a different amount, they can each send their payments to a central company or clearing house.

The head office would pay the invoices and the various currencies of the subsidiaries and make the net payment to the parties due. Multilateral clearing involves pooling funds from two or more parties to simplify the invoicing and payment process. Clearing consists of offsetting the value of several positions or payments to be exchanged between two or more parties. It can be used to determine which party owes compensation in a multi-party agreement. Clearing is a general concept that has a number of more specific applications, including in financial markets. Closing compensation typically occurs in the case of a default value. In such a situation, all existing transactions are terminated and the values of the transactions are calculated. The values are then net and the remaining value is paid as a lump sum to the party to whom the payment is due. Novation Netting removes offset swaps and replaces them with new bonds.

In other words, if two companies have obligations on the same value date (or settlement date), the net amount is calculated. However, instead of simply sending the net difference to the party due, Novation Netting terminates the contracts and reserves a new contract for the net or total amount. The new global contract in the context of Novation clearing differs significantly from payment compensation, in which no new contract is reserved; Instead, the total net amount is exchanged. Closing set-off occurs after late payment if one of the parties does not make principal and interest payments. Transactions between the two parties are cleared in such a way that they result in a single amount that one party can pay to the other. As part of the closing compensation, existing contracts are terminated and an aggregate final value is calculated and paid as a lump sum. Settlement clearing is also known as payment clearing. In settlement clearing, the affected party aggregates and clears all the amounts it owes/receives, and the difference – or the amount of the balance – is paid to the party with the greatest risk or obligation. Bilateral clearing occurs when two parties are involved. If there are more than two parties, this is called multilateral compensation. Where multilateral clearing takes place, the parties shall use a clearing house or central exchange to regulate the transactions and effects of the clearing.

Some companies with multiple subsidiaries may also use multilateral clearing to offset payments received and owed to their various departments. Clearing is often used in trading, where an investor can clear a position in one security or currency against another position either in the same security or in another security. The purpose of compensation is to offset losses in one position with profits in another. For example, if an investor shorts 40 shares of one security and 100 shares of the same security, the net position is 60 shares. There are different types of networks or ways in which the network concept can be used. Below, we look at the four types of compensation: Multilateral clearing involves more than two parties. .

What Is a Disclosure Agreement in Real Estate

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In the worst case, you can withdraw from the company at any time without penalty – which means you don`t have to lose your serious money deposit. And if you happen to find a problem that should have been disclosed but wasn`t discovered, that`s one more reason to carefully consider if you want to move forward. After all, if the sellers hid one thing, what else could they hide? The federal government requires certain disclosures throughout the United States, such as the existence of lead paint, asbestos or other obvious health and safety risks. However, states and counties also have their own laws on matters that need to be disclosed. For example, some states require sellers to disclose sex offenders nearby, while others do not. Some require that a death be disclosed on the property, especially if it was a murder, while others leave it to you to do this type of detective work yourself. If you discover something about a disclosure statement that you don`t understand or that raises concerns, ask your real estate agent to discuss it with the sellers (or their listing agent). In some cases, they may have an explanation that reassures you (for example. B: “We had bed bugs in 2012, but we hired an exterminator and we`ve been free and clear ever since.” Or, if the issue seriously challenges you if you want to move forward, this could be an opportunity to renegotiate the sale price to compensate for the extra risk you take when buying that home. Statements regarding the disclosure of real estate essentially describe all defects known to home sellers (and their real estate agents) that could have a negative impact on the value of the home. These statements are required by law in most parts of the country, so buyers can know the good and bad points of a property before closing the deal. Here`s what all buyers need to know about real estate disclosures.

You must indicate whether your property is under the management of an owner`s association or a condominium owners` association. This is because there are often fees to pay and certain rules to follow that could put off a buyer. Either way, they need to know what they`re getting into, so be sure to include the fees and rules to follow as well. No matter how good a home is at first glance, a variety of problems could lurk under this new coat of paint — which is why buyers want to check out certain documents they receive called real estate disclosure statements. Real estate disclosure statements, which can take various forms, are the buyer`s ability to learn as much as possible about the property and the seller`s experience in it. The non-disclosure agreement for property buyers is a form that allows a landlord to protect their confidential information and control the sale of their properties. Potential buyers are obliged to use the information provided to them exclusively for the purpose of evaluating the possible purchase. All parties concerned undertake not to pass on to third parties the fact that a conversation has taken place about the sale of the property in question. This provision is necessary in order not to maintain public negotiations and to control the number of potential buyers. The real estate NDA also protects all agents involved as it prevents potential buyers from bypassing them and dealing personally with the landlord. Step 2 – The date the agreement is reached can be specified first.

The name of the potential buyer as well as the name of the landlord and broker (if applicable) can be recorded in the first section. A home inspection is performed by a professional inspector appointed by the buyer. The information found by the inspector is transmitted directly to the buyer. Like a disclosure form, the inspection form includes an exhaustive list of features to be verified, but unlike a disclosure, it does not cover invisible issues such as municipal assessments, existing privileges, deed restrictions, and funds due to the HOA. It is common in real estate to give a home a new coat of paint before it is put on the market. In nine out of 10 cases, the intention is to show the property at its best. But from time to time, the seller paints the house in the hope of covering something. Depending on where you live, sellers can be held responsible for up to 10 years for what they disclose (or don`t do). Sellers should err on the side of caution. If you know, put it on the market.

If you try to hide something, it can come back to sue you in the form of an expensive lawsuit. Given the potentially serious implications of an information document, it is very wise to consult a qualified real estate lawyer on these issues. This is a time when it`s always worth spending money on the expertise and extra protection it offers. Wondering what you might need to disclose? This requires some of the common types of disclosures that sellers must make to a potential buyer. In most markets, buyers receive information materials once the seller has accepted their offer. In addition to their inspections or credit contingencies, the buyer has the opportunity to review the seller`s disclosures. If the buyer discovers something negative about the property through disclosure, they can usually opt out. If buyers (and their real estate agent) read an information document and see nothing to worry about, they sign it before getting closer to closing the deal. If, on the other hand, buyers discover something disturbing, it is in their interest to continue their research. The disclosure statement is not foolproof and does not replace a thorough inspection by a licensed home inspector and sound legal advice throughout the process. Your inspector will inspect the home and provide the buyer with a complete list of any defects in the home or code violations that need to be corrected.

The seller is also not obliged to disclose problems that are unknown to him. It`s just common sense. Step 3 – The address of the property must be included in the agreement. While most disclosure requirements are regulated by the states, the federal government requires one: the disclosure that lead-containing paint may be present on any property built before 1978. Whether you`re listing a home for sale or on the market for sale, here are five things you need to know about real estate disclosures. Disclosure laws vary from state to state, even at the city and county level. California has some of the strictest disclosure requirements. The law requires sellers (and their representatives) to complete or sign dozens of documents, .

B such as a natural hazard disclosure statement, disclosure statements for local and state transfers, advice on market conditions, and even Megan`s Law disclosures. Potential disclosures from vendors range from knowledge of leaking windows to work done without permission to information about a large construction or development project nearby. Disclosure documents are not only meant to inform buyers, but can also protect sellers from future lawsuits. This is an opportunity for the seller to reveal anything that may have a negative impact on the value, utility or enjoyment of the property. This document is also known as real estate disclosure and is important for those buying a home and those selling the property. Seller disclosure provides a clearer picture of the home and its history, and allows buyers to make a more informed decision about buying the home, defects, and everything in between. .

What Is a Bad Faith Lawyer

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There are many ways for an insurance company to act in bad faith. If a policyholder suspects bad faith, they should contact their insurance company or consult a lawyer. A: Your best course of action is to document everything. Make a list of all the conversations with your insurer and what you discussed. Keep all written and electronic correspondence. You can also Google the lawyer`s name to see if there is a disciplinary proceeding or if there are any articles about cases in which he has been involved. It also gives you clues about their reputation and skills. If your insurance company refuses to reimburse a valid claim, it is acting in so-called “bad faith.” In such circumstances, you need lawyers experienced in bad faith to help you get the compensation you and your family deserve. Insurance policies are complex contracts written by lawyers from insurance companies.

They are long, confusing and difficult to understand. Bad faith insurance can apply to any type of insurance policy – including home insurance, health insurance, auto insurance and life insurance – and to any type of contract. Our law firm recently filed an insurance lawsuit in bad faith following an illegal death. The insurance company refused to legally defend the named defendant. If your injuries are serious or require you to be unemployed for a while, it may even be difficult for you to determine your expenses. Medical treatment accumulates quickly, especially if you need physical therapy or continuous monitoring. In addition, insurance companies have several obligations that they must fulfill towards their policyholders. Failure to comply with these obligations may be considered an act of bad faith.

Bad faith usually refers to the breach of an insurance contract. If your insurance company refuses to reimburse a valid claim, you will need a team of experienced lawyers who understand the insurance industry. At Munley Law, our malicious claims lawyers are familiar with insurance companies` tactics to force you to settle for less than you deserve. We have over 60 years of experience helping customers fight large insurance companies in malicious claims and bring you the compensation you deserve. There are many examples of bad faith insurance practices. Recruiters and business leaders are known for their illegal acts that put their policyholders in bad situations. The laws governing potential damages in bad faith lawsuits vary by jurisdiction, and our team of bad faith insurance lawyers are ready to use their more than 40 years of experience for you. To justify a valid and flawless lawsuit, you must be able to prove that a benefit of your insurance policy was denied and that this decision had no valid reason. Hiring a lawyer who knows what to do with malicious insurance claims can go a long way in getting the justice you deserve. An essential duty of insurance companies to you is to investigate a claim. If an insurer fails to conduct a thorough investigation and provide a monetary assessment for the claim, it may have acted in bad faith. Insurance undertakings that delay an investigation without a valid reason may also fail to comply with this obligation.

If an insurance company acted in bad faith in processing your claim, you may be able to reach a fair settlement through a written indictment created with the help of your Los Angeles attorney. Sometimes, even the mention of “bad faith” can encourage swift action on the part of the insurer. For example, your lawyer might recommend mediation or arbitration, or they might try to negotiate with your insurance company again. These alternatives save time and money and can be effective in getting the solution you need. If you believe your claim has been wrongly denied, you may have reason to sue. However, these cases are complicated and it is best to consult a lawyer to determine an effective course of action. Dealing with insurance can be difficult. Even if insurance companies are acting in good faith and properly assess your claim, it can be difficult to follow the negotiations or understand how the insurance agent works. If your insurance company is acting in bad faith, you have two options. You can accept the rejection of your claim or contact a lawyer. At Munley Law, our team of experienced lawyers in bad faith can help you get the compensation you deserve.

Depending on whether your insurance claim is a first-party or third-party claim, there may be additional procedures under state law. Gather as much information as possible and consult a lawyer if you are not sure what to do. So, when should you consult an insurance lawyer in bad faith? Your bad faith lawyer can make sure the insurance company complies with the law. In many States, first-party claims are based on a legal cause of action. This means that state law can only allow you to take legal action in bad faith against the insurance company with which you have a policy. His bad faith insurance attorney in Los Angeles is ready to go after even the biggest insurers and hold them accountable for their actions. There`s also Nextdoor, Angie`s List, and other websites designed to connect people with local professionals in a variety of areas. They are a useful resource for finding someone, from landscapers to lawyers. They`re also hyperlocal, which means you can narrow a search to a specific geographic radius, so you`re likely to find a lawyer nearby. Don`t let an insurance company take advantage of you during your most vulnerable time. Increase your chances of winning your case and getting favorable compensation by hiring one of our experienced lawyers. You need a lawyer who regularly fights with insurance companies and their lawyers at the courthouse.

However, some insurance companies do not always respect this contract. Either they refuse to make a full and fair settlement, or they refuse to pay in full, even if the applicant is entitled to it. This is considered a “malicious action”. Such misconduct is a relatively common practice because many people do not know their rights and do not fight against the rejection of claims, while the insurance industry benefits. Once you feel like your insurance company isn`t providing the services you`re paying for (which you are every time you pay your insurance premium), it`s time to look for a malicious insurance lawyer. They did some research and put together a list of potential lawyers. If you have been a victim of insurance practices in bad faith, we will sue you. When you pay for insurance, you pay for benefits and coverage in the event of an accident. If you don`t get what you paid the insurance company for, contact a malicious insurance attorney in Los Angeles for help. Your insurer probably has a huge team of lawyers whose only job is to fight insurance lawsuits and justify dismissing claims. They have deep pockets, and your claim is just one of the thousands, if not millions, they want to fight.

You alone are probably not comparable to your insurance company`s legal team. A bad faith claims lawyer can negotiate with your insurance company and bring you the money you earn. If you believe your insurance company is acting in bad faith, you need a lawyer who works for your best interest. Trust Farah & Farah`s malicious insurance lawyers to fight for the justice you deserve. You can reach us 24 hours a day, 7 days a week by phone at 877-245-6707 or arrange your free, no-obligation case review now. Another way to deal with malicious insurance claims is to contact your state`s insurance agency. You can file a complaint with your state`s insurance department. Once your complaint is filed, the state is likely to conduct an investigation. If an insurance company acts particularly blatantly, a jury may award punitive damages to the policyholder to punish the insurance company for its misconduct and prevent it from acting in bad faith with other policyholders. .

What Does the Munich Agreement Consist of

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Chamberlain was still determined to prevent war, and he and French Prime Minister Edouard Daladier accepted the proposal. In the early morning of 30 September, the Munich Agreements received signatures from all the powers present. The terms of the agreement allowed Germany to occupy the Sudetenland the next day. There should then be a ten-day period after which the annexation should be completed. The Czech delegation was practically forced to accept those conditions after being informed that otherwise there would be a war for which Czechoslovakia would be held responsible. September 29-30, 1938: Germany, Italy, Britain and France sign the Munich Accords, according to which Czechoslovakia must cede its border areas and defenses (the so-called Sudetenland region) to Nazi Germany. German troops occupied these areas between 1 and 10 October 1938. The Munich Accords (Czech: Mnichovská dohoda; Slovak: Mníchovská dohoda; The Munich Agreement was an agreement on the Sudeten crisis between the major European powers after a conference held in Munich in 1938 and signed on 30 September. The aim of the conference was to discuss the future of Czechoslovakia in the face of the territorial demands of German dictator Adolf Hitler.

The agreement, signed by Nazi Germany, France, Britain and Italy, allowed for the German annexation of the Czechoslovak Sudetenland. The Sudetenland was of immense strategic importance to Czechoslovakia, as it was where most of its border defenses were located. The Chief of Staff of the Czechoslovak Army, General Ludvík Krejčí, said: “Our army will be in great shape in about two days to resist an attack by all German forces together, provided that Poland does not move against us. [71] Under the Munich Agreement, the entire predominantly German territory in Czechoslovakia had to be handed over by October 10. Poland and Hungary occupied other parts of the country and after a few months, Czechoslovakia ceased to exist and what remained of Slovakia became a German puppet state. The Munich Accords (Czech: Mnichovská dohoda; Slovak: Mníchovská dohoda; Munich Agreement) or Munich Betrayal (Czech: Mnichovská zrada; Mníchovská zrada) is an agreement signed on 30 September. It was closed in Munich in 1938 by Nazi Germany, the United Kingdom, the French Third Republic and the Kingdom of Italy. He granted Germany the “cession of the Sudeten German territory” from Czechoslovakia. [1] Most European countries celebrated the agreement because it prevented the war threatened by Adolf Hitler by allowing Nazi Germany to annex the Sudetenland, a region in western Czechoslovakia inhabited by more than 3 million people, mostly German-speaking.

Hitler proclaimed this was his last territorial claim in Europe, and the choice seemed to be between war and appeasement. London, FridayThe Munich Accords give Hitler everything he wants (at first), except that they may not allow him to get it as quickly as he would have done under Godesberg`s uncircumcised ultimatum. He will begin tomorrow the invasion of Czechoslovakia, as he threatened in his speech of 12 September. It is free to occupy all regions where Sudeten Germans are in the majority, and to do so in rapid stages. Undoubtedly, radio equipment has had a great influence over the past two weeks, as the contrast between German school silence and the moderation of leaders of other countries, including Czechoslovakia in particular, has made a strong impression here in the United States and in all neutral countries. But when it comes to dictatorial countries, far less was known about the outside world than it was half a century ago. Because the machinery of oppression is now perfected, and when it is accustomed to its full power, little light can pierce. Thus, great wars can be unleashed in the darkness of peoples who know nothing beyond what their leaders have told them. In this way, the common life of the world is negatively affected by the state of its different peoples, and the loss of freedom in each of them becomes a threat to peace. In the meantime, the British government has asked Beneš to ask for an intermediary.

As Beneš did not want to sever his government`s ties with Western Europe, he reluctantly agreed. The Sudeten Germans were ordered by Hitler to avoid any compromise,[25] and the SdP organized demonstrations on September 7 that provoked a police action in Ostrava during which two of his deputies were arrested. [23] The Sudeten Germans used the incident and false accusations of other atrocities as a pretext to break off new negotiations. [23] [26] After Poland learned that the territories inhabited by Poles were to be handed over to Germany, Poland issued a note to the Czechoslovak government calling for “the immediate conclusion of an agreement under which Polish territory was to be undeniably occupied by Polish troops; This should be followed by an agreement on referendums in districts where a large share of the Polish population is high. [75] The British people expected an imminent war, and Chamberlain`s “statesman gesture” was initially greeted with applause. He was greeted as a hero by the royal family and invited to the balcony of Buckingham Palace before presenting the deal to the British Parliament. The generally positive reaction quickly deteriorated, despite the royal patronage. However, there was resistance from the beginning. Clement Attlee and the Labour Party rejected the deal, in alliance with two Conservative MPs, Duff Cooper and Vyvyan Adams, who until then had been seen as a hardened and reactionary element of the Conservative Party. The American historian William L. Shirer, in his book The Rise and Fall of the Third Reich (1960), argued that if Czechoslovakia did not bluff about its intention to invade, Czechoslovakia could have put up considerable resistance. Shirer believed that Britain and France had enough air defenses to avoid serious bombing of London and Paris, and that they could have waged a quick and successful war against Germany.

[66] He quotes Churchill as saying that the deal means that “Britain and France were in a much worse position than Hitler`s Germany.” [61] After Hitler personally inspected the Czech fortifications, he privately told Joseph Goebbels that “we had shed a lot of blood” and that he was glad there was no fighting. [67] An agreement was reached on September 29, and at about 1:30 a.m. on September 30.m .m 1938,[43] Adolf Hitler, Neville Chamberlain, Benito Mussolini, and Édouard Daladier signed the Munich Accords.[67] The agreement was officially introduced by Mussolini, although the Italian plan was almost identical to Godesberg`s proposal: the German army was to complete the occupation of the Sudetenland by October 10 and an international commission was to decide on the future of the other disputed territories. Citing Munich in foreign policy debates is also common in the 21st century. [107] During Secretary of State John Kerry`s negotiations on the Iran nuclear deal, a Texas Republican lawmaker called the negotiations “worse than Munich.” Kerry himself had invoked Munich in a speech in France, in which he advocated military action in Syria saying, “This is our Munich moment.” [108] The Czechoslovaks were appalled by the munich colony. They were not invited to the conference and felt betrayed by the British and French governments. Many Czechs and Slovaks refer to the Munich Agreement as the Munich diktat (Czech: Mnichovský diktát; Slovak: Mníchovský diktát). The term “betrayal of Munich” (Czech: Mnichovská zrada; Slovak: Mníchovská zrada) is also used because Czechoslovakia`s military alliance with France proved useless. This was also reflected in the fact that the French Government, in particular, had considered that Czechoslovakia would be held responsible for a European war that would result if the Czechoslovak Republic defended itself by force against German incursions. [59] In 1938, the Soviet Union was allied with France and Czechoslovakia[…].

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