Each week, the Identity Theft Resource Center works with some of the top industry experts to provide consumers with updates about threats to their personal data. Scam Detectorleads the way by publishing a top ten list of scams, fraud attempts, and other threats each week, ones that are either new or gaining in popularity.

Take a look at some of their more recent top scams or fraud attempts.

#1 – The Bet You Can’t Scam

There’s a popular meme making its way around social media sites, mostly Facebook, that challenges the users and plays off their natural curiosity. Unfortunately, the consequences of this scam range from nothing more than a mild waste of your time and the relinquishing of your contacts list, to downloading harmful viruses to your computer.

Typically these are simple images that your friends share on Facebook. They’ll have odd, too-simple “challenges” like, “Bet you can’t think of a word that starts with A and ends with E.” Too easy, right? That’s because the original post is designed to lure you into commenting with the first word that pops into your head. Once you comment, the original poster can continue to send you marketing information and can then create posts that reach your friends’ list. It’s mostly harmless, but intrusive.

What is more alarming are the more nefarious ones, like, “99% of people won’t be able to sit through this entire video!” These lures are more dangerous, and may even state that you must be a certain age to view it or that it’s not safe for work (NSFW). Once your curiosity gets the better of you, you click the link to be taken to a video. Clicking the link (or perhaps the video link) can install viruses and malware on your computer, giving scammers the ability to root around through your computer and uncover information about you which can be used to steal your identity.

#2 – Account Upgrade/Account Suspended Phishing Scam

Phishing emails are sent out randomly by scammers who are “fishing” for their next victim. They can send these out to hundreds of thousands of people a day, all hoping that someone takes the bait.

One of the more common phishing emails is the kind that tells you your account has been suspended, is overdue, or needs to be verified or upgraded. These emails may appear to come from PayPal, eBay, Chase MasterCard, or other well-known companies that have millions of customers. Scammers choose them because there’s a good chance you have an account with one of those companies.

If you ever receive an email that tells you your account is in need of some kind of repair, do NOT click the link! Instead, delete the email (even if it claims to contain a reference number you’ll need) and then log into your account on your own and verify that everything’s okay. If you’re still in doubt, speak to an agent from the company by calling a number you have on file.

#3 – Major Event Scam

Any time a major event occurs—such a disaster like the Nepal earthquake, or a significant visit like the Pope’s upcoming US tour—scammers will come out of the woodwork to bilk people out of their money. It may be in the form of donation requests, either electronically or by text message, or in terms of selling you high-priced, fraudulent tickets.

Whenever you’re responding to any kind of newsworthy event, make sure you’re only working with a reputable source. For charitable giving, you can go through a number of sources before donating that will ensure your money reaches those in need. Sources like the Better Business Bureau and the IRS can verify a charity’s status.

For online ticket purchases or event passes, be sure to use established ticketing sites that have verifiable security on their websites before entering your personal details and financial information.

For the rest of this week’s top scams, visit Scam-Detector.com or the ITRC website under the Current Scams & Alerts section. Be sure to share this information with others so they can stay informed and protect themselves.

There’s a new phone scam tactic out there and it’s increasing at a rate that has security experts, law enforcement, and even the banking and financial sectors alarmed. It’s called spoofing, and the consequences range from annoying to life-threatening.

Spoofing occurs when a person manipulates their phone in order to use someone else’s existing phone number to initiate a call to their intended victim. Scammers often use automated software to conduct these spoofed calls, meaning they’re not even sitting at a telephone and dialing the numbers. They can pull off millions of fake calls every month, as one security company found. When you receive a call like this, your caller ID may indicate an individual’s phone number, a company or business phone number, or even a message indicating it’s an unknown phone number, but it’s really someone else on the other end of the line.

The real danger is from a scammer whose phone number makes him appear to be from your bank or credit card company, making you more likely to believe whatever lie he’s about to tell you and trick you into handing over your personal information. Another issue with spoofing is that the caller will wait until you answer and then simply hang up. When you call back, thinking the call was accidentally disconnected, you’re actually calling a foreign country and paying international calling rates.

Unfortunately, another use scammers have for spoofing is simply to pull of spiteful pranks. One man in Washington used spoofing to inform the police he was holding hostages at a certain address. By the time the scenario had ended, a SWAT team had broken into the home of an unsuspecting family, which could have had deadly consequences. A Colorado Springs woman had her phone number stolen and used to call countless people over and over; the multiple victims then called her back repeatedly to tell her to stop harassing them, and some of those callers even threatened her life if she didn’t stop calling them.

So how do you protect yourself from spoofing? If you’re the one receiving the calls, the end result of having your phone number randomly stolen for illegal purposes can be upsetting, and more than one individual has had to change her phone number in order to make it stop. Be sure to report it to law enforcement and your phone provider, though; some scammers have employed phone spoofing in order to commit crimes like fraud, and you want to make sure there’s a record that you were the victim, not the perpetrator.

If you receive a phone call from an unknown number, feel free to ignore it. If it was actually a legitimate and important communication, they’ll leave a message, but be sure you call the number that you have on file if it’s from a business, and not the number that appeared on your caller ID. If you receive a call from a number you know, however, like your bank or credit card company, remember to NEVER give out sensitive information like your account number, your PIN number, your Social Security number, or other personal data. If they’re really calling from your bank, they already have that information and there’s no reason for you to provide it. For many companies, asking for this data actually violates protocol, so the only person who would ask for it is a thief.

You’ve probably seen splashy ads on social media that shout messages like, “Never pay taxes again! Keep your money!” These ads are far from the truth, though, and they’re meant to trick you out of your money while selling you a blatant lie.

Unlike most scams that steal your money, though, this one can even land the victims in hot water. One of the many manifestations of this kind of “no taxes” scam is the Corporation Sole scam. It’s intended as a way to exempt religious organizations from various forms of taxation while also ensuring that the individual religious leader couldn’t have his personal assets seized by creditors of the organization.

The Corporation Sole is being marketed to individuals as a way to avoid paying any income taxes, and as a way to “hide” their assets from creditors, ex-spouses, and more. Unsuspecting victims of this kind of scam are promised insider information on how to take advantage of “legal” loopholes in order to avoid reporting their income, having to pay child support, and other shady dealings. Unfortunately, there’s a double-edged sword to this kind of crime. Citizens are being scammed out of their money to learn how to dodge the tax system either in the form of “exclusive” high-priced live seminars or through expensive online course materials. The problem is, paying someone for the information does not absolve them of the crime if they do go on to attempt to avoid paying their taxes. They’re not only the victims of a scam, they’re also now criminals themselves.

One recent court case actually ended in a guilty verdict and jail time for two such scammers. Gerrit Timmerman, III of Utah and Carol Jean Sing of Nevada were both found guilty of setting up Corporation Sole entities for a fee for their clients; they were sentenced to four years and three years in jail, respectively. Fortunately, the defendants in this case were not able to claim innocence on the grounds that they were not the ones responsible for not paying the taxes. In this instance, simply saying, “I only told people about the plan, I didn’t say they SHOULD do it,” does not cover them.

The IRS publishes information routinely on the top tax fraud scams, which can be found on its annual “Dirty Dozen” list. The Corporation Sole scam has long been on that list for scammers telling individuals they can impersonate a charitable organization. If you’re ever approached with information on how to skirt the system or avoid having to participate in any process that is regulated under the law, seek reliable help immediately from someone who has not only expert knowledge of the subject, but who also doesn’t stand to gain financially from convincing you to break the law.

Each week, the Identity Theft Resource Center works with some of the top industry experts to provide consumers with updates about threats to their personal data.

Scam Detector leads the way by publishing a top ten list of scams, fraud attempts, and other threats each week, ones that are either new or gaining in popularity. Take a look at some of their more recent top scams or fraud attempts.

#1 – Online Ticket Scalpers

It’s exciting to learn that your favorite Broadway play is touring the country or that your teenager’s favorite band is coming to a city near you next year. And with the ability to buy tickets online, you no longer have to camp out on the sidewalk over night to get tickets. Unfortunately, that’s also opened up a whole world of scamming.

There are two issues with online ticket scams. The first is that tech-savvy and unscrupulous people use autobot software to buy up hundreds or even thousands of tickets to a hot show. The scammers then turn around and sell the tickets they bought for double or triple the face value. They know you’ll pay it, because the original website just sold out in a matter of minutes…thanks to them.

Of course, this also leads less tech-savvy thieves to run copycat scalping websites that take your money and never send you a ticket. They’re long gone with your credit card information and your payment, and you don’t have any tickets. ALWAYS buy your tickets from a reputable ticket sales websites, and do not fall for scalping.

#2 – Email Money Transfer Scam

With the ease of online banking, online bill paying, and online money transfers, this scam is all too easy to pull off. You receive an email that says someone—quite possibly an actual name you know, if that person’s email account was hacked—has sent you an electronic payment for an outrageous amount of money. Everything about the email looks legitimate, since the thieves used an actual screenshot of a money transfer as the basis for their message.

The problem is clicking on the link in their message. Instead of taking you to a website to claim your money, you just downloaded a virus to your computer that lets the scammers sift through your personal information. They may even break into your email account in order to send this fake message to even more people, people that you know.

If you receive a strange email like this one, there are a couple of steps to take. First, confirm it with the person who supposedly sent you the money. Next, in your inbox list of emails, hover your mouse over the sender’s name (rest your pointer arrow on the name but don’t click); this will show you the email address of the actual sender. Finally, check with your bank account to see if any funds were deposited. Whatever you do, DON’T click on a link in the email itself. This is a phishing email, and it has consequences.

#3 – Inheritance/Parcel Scam

This scam works typically via email, and informs you one of several different scenarios has occurred. This was once more common in terms of the inheritance scam, where the victim was informed a relative had died and left him a lot of money; he need only pay the one-time legal administrative fee to claim it. Of course, there was no inheritance because there was no relative.

As people have become aware of this scam, it has shifted slightly to a new form that tells you a package is waiting for you at the post office or other shipping claims department. You’re informed that the delicate nature of the package—a card worth an outrageous amount of money, gold bars, jewels, whatever—means you must sign a sworn affidavit and file it with the country of origin from where the package was sent. Of course, the email also includes a way to easily supply this affidavit to you; you need only hand over all of your personal information and a credit card to pay the fee.

Obviously, this is a scam. You will never be informed of an inheritance or a sensitive package via email. You will only be notified through regular mail with a written letter. Delete the email immediately, and whatever you do, don’t click the link or supply any sensitive information about yourself.

For the rest of this week’s top scams, visit Scam-Detector.com or the ITRC website under the Current Scams & Alerts section. Be sure to share this information with others so they can stay informed and protect themselves.

Each week, the Identity Theft Resource Center works with some of the top industry experts to provide consumers with updates about threats to their personal data. Scam Detectorleads the way by publishing a top ten list of scams, fraud attempts, and other threats each week, ones that are either new or gaining in popularity. Take a look at some of their more recent top scams or fraud attempts.

#1 – Property Tax Scam

This one has gained traction lately because it’s so easy to pull off. Scammers dial random phone numbers in a given location, then claim that the homeowner hasn’t paid his property taxes. With threats of having the home seized and the police coming to place the homeowner under arrest, it’s easy to see why some people fall for it. They willingly turn over their personal data or even make a payment with their credit cards, all while being scammed.

Remember a few key rules for how the government reaches out to citizens to resolve matters like this one. First, you will never be contacted by phone or email, only by a mailed letter so that you have a paper record of the issue. Next, no legitimate contact will call you to tell you the police are coming to arrest you. That’s simply not how it works.

#2 – Fake Website Scam

This scam, seen recently to involve the popular WhatsApp platform, can apply to almost any major company with an easily recognized logo. It’s happened with major credit card companies, large banks, PayPal, and many more.

In this one, scammers create a fake email or website that looks for all intents and purposes like a commonly used website. Again, this one recently cropped up with the instant messaging app site WhatsApp, which has more than 700 million registered users. By using the WhatsApp name in the web address and the company’s logo on the website itself, unsuspecting users are duped into “verifying” their sensitive information and turning it over to the scammers.

To avoid this one, ask yourself before entering any information, “Why are they asking for this data? THEY contacted ME!” Then keep your information from falling into the wrong hands.

#3 – Facebook Notification Scam

Much like the scam mentioned above, this one sends out a phishing email that pretends to come from Facebook. Its message might vary, and can include threats to delete all your contacts, to remove all your posts, to delete your account altogether, or more. When you click the supplied link in the email, though, you’re taken to a sleazy website that often sells pornography, illegal medications, or other contraband.

First, if you were somehow lured into making a purchase on the site, your items will never arrive and the scammers have your credit card info. But even if you’re not interested in black market Viagra, just clicking the link can download a virus or other malicious software to your computer.

If you ever receive an email stating that something is wrong with any type of account, don’t click the link! Go directly to your account on your own (such as going to Facebook.com and logging in) and verify that everything is fine.

For the rest of this week’s top scams, visit Scam-Detector.com or the ITRC website under the Current Scams & Alerts section. Be sure to share this information with others so they can stay informed and protect themselves.

Each week, the Identity Theft Resource Center works with some of the top industry experts to provide consumers with updates about threats to their personal data.

Scam Detector leads the way by publishing a top ten list of scams, fraud attempts, and other threats each week, ones that are either new or gaining in popularity. Take a look at some of their more recent top scams or fraud attempts.

#1 – Final Expenses Mailer

We’ve often said that scams that target the elderly are especially atrocious, and this one’s no different. In this postcard scam, which uses physical correspondence in order to target senior citizens who may not have access to computers and email, cards are deposited in mailboxes in neighborhoods with a high elderly population. The mailers look very official and promise low-cost “final expense” insurance, also known as a burial policy. The recipient is encouraged to act quickly to take advantage of a full $15,000 policy (or higher), which only costs a nominal, one-time administration fee.

Of course, once seniors pay the fee, there is no policy. Not only did the thief make off with that fee, he now has all of their personal information and can use it to steal their identities. Remember to only pay for policies that have been verified through a reputable insurance company and are genuine.

#2 – Genealogy Search Scam

A number of websites have sprung up offering to trace your roots for you, but be warned, they’re not just looking for your ancestors. Some of them are looking for your financial information.

While there are legitimate fee-based search websites out there, the imitation sites are the real threat. Not only do you have to pay a fee to receive your genealogy results, you also have to put in a lot of highly personal information about yourself, enough data that a scammer can use it to steal your identity. At best you’re paying a significant fee for someone to do a simple Google search that may not even be accurate… after all, how would you know whether or not your great-great-great-great-grandfather was really a deckhand aboard a British ship?

Make sure you’re only working with reputable websites that have genuine reviews from satisfied customers. In the case of family tree searches, make sure the amount of data you have to input is worth it and is secured.

#3 – American Red Cross Scam

We’ve had a rash of natural and man-made disasters lately, and one of the names that is synonymous with disaster relief and preparedness is the American Red Cross. Unfortunately, scammers know that the public often wants to help following any major event—especially one with significant destruction or loss of life—but can’t physically go respond in person. Scammers have stolen countless dollars from well-intentioned individuals under the guise of working for the Red Cross.

It’s vital that we all pitch in and give, especially when disaster strikes, so don’t let fear of scammers keep you from supporting worthy causes. Just be sure that your dollars are going to a verified source of relief, and only make your contributions directly to the organizations you’re trying to support.

For the rest of this week’s top scams, visit Scam-Detector.com or the ITRC website under the Current Scams & Alerts section. Be sure to share this information with others so they can stay informed and protect themselves.

“If it sounds too good to be true…” It’s been said so many times, you don’t even have to hear the rest of the phrase to know what’s coming. And yet—somehow—scammers still try it and consumers still fall for it.

A recent rise in government grant scams has a lot of consumers scratching their heads. What is a government grant, and how does this scam work? Simple: by convincing you that your government has nothing better to do with the funds it collects in taxes than to call random citizens and offer them thousands of dollars.

See? You’re already wondering how anyone could fall for this, but when the phone call comes and the very official-sounding pitch begins, it can be easy to forget how our system of taxation really works. But you can rest assured that the government does not draw names from lists of so-called “good citizens” and call them out of the blue.

There’s another sure-fire way you can tell that there’s something shady about this grant offer: you have to pay money—typically several hundred dollars—in order to receive the funds. And not only do you have to hand over some money, you have to do it by wire transfer or pre-paid debit card. You know, two forms of payment that are very hard to trace.

So here’s the bottom line: you NEVER pay to receive your winnings in any contest, lottery, or award, and you NEVER give your personal information to someone who contacts you unexpectedly and claims that you won something.

Having said all of that, the website that the scammers reluctantly provide when pressured into answering is Grants.gov. The .gov web address lets you know that this is an actual government website. The scammers are lying, though, and their attempts at fraud are not associated with it. Grants.gov is an extensive database of all government grants that are available for application, so they know you’ll never be able to find them (or prove they aren’t associated with it) just by searching the website.

On the plus side, Grants.gov is a legitimate source of information if you are planning to apply for a grant. However, as anyone who’s ever applied for a grant can tell you, it’s a lengthy process filled with all kinds of verification requirements—much of it in writing—and no, the grant recipients don’t win money for doing nothing. If you’re seeking actual sources of grant funding, it’s an excellent place to start.

Each week, the Identity Theft Resource Center works with some of the top industry experts to provide consumers with updates about threats to their personal data. Scam Detectorleads the way by publishing a top ten list of scams, fraud attempts, and other threats each week, ones that are either new or gaining in popularity. Take a look at some of their more recent top scams or fraud attempts.

#1 – Juice Jacking

Don’t these slang terms for cybercrimes keep getting better and better? But juice jacking, a new form of gleaning data off your smartphone or tablet, has already made its way into pop culture on detective TV shows. It occurs when you plug your device into a public charging station such as at a mall or airport, only their included cable doesn’t just power your phone. Inside the tampered-with charging station, a thief has installed a computer and the cable is actually syncing your phone or tablet, stealing your photos, your passwords, your emails, and more.

To avoid falling victim to this process, stay clear of those charging stations as much as you can. Carry your own charger if you’re in danger of losing your battery life that day, and only use a wall outlet with your own cable. If you absolutely must use a public charging station, power your device all the way off (not just in black screen sleep mode) before plugging it in.

#2 – Facebook Privacy Notice

If you’ve been around Facebook for any amount of time, you might have seen people posting a privacy notice and then encouraging others to paste it on their walls, too. It basically has wording to the effect that the individual does not give permission for Facebook to use their photos, posts, images, or any other content from their walls. It also claims to absolve the individual from any liability that may arise from sharing content on their Facebook feeds.

Sadly, you can post whatever pronouncement you want… it doesn’t make it true. When you signed up for a Facebook account, you agreed to THEIR terms of service, not your own. Anything you share on Facebook can be stolen by other users, shared by anyone you’re connected to, and used in any way other people see fit. Simply stating, “Don’t touch my pictures,” isn’t going to protect you in any way. Remember, EVERYTHING you post on social media can (and quite possibly, will) be shared by others.

#3 – IQ Test Scam

You’ve probably seen some pretty ridiculous “tests” and “quizzes” on social media. Some of them are funny, like “What Disney Princess are you?” or “What Marvel superhero are you?” Your answers to some basic scenario-based questions reveal which character you have the most in common with.

But there are some quizzes that mimic these types of games, and they’re not so funny. Many of them pose pointless queries like, “Bet you can’t name a city without the letter A in it!” to entice you into playing along, while others offer to test your IQ. Once you click the link and you fill out a few pieces of information to start the quiz, you’re locked in. The scammer will use your phone number to send you “premium” text messages, and by the time you get your phone bill, you’ve received dozens of these daily per-charge texts. A less malicious but still invasive form of it is simply to nab your email address so they can then flood your inbox with spam emails. The scammers make money off of luring you into giving them your info, then they can sell that info to marketing companies.

Never enter personal identifiable information on an unknown website or app, and always ask yourself, “Why in the world do you need to know my phone number to see how smart I am?” You can bet the scammers are laughing at how gullible you were, not how intelligent you are.

For the rest of this week’s top scams, visit Scam-Detector.com or the ITRC website under the Current Scams & Alerts section. Be sure to share this information with others so they can stay informed and protect themselves.

Each week, the Identity Theft Resource Center works with some of the top industry experts to provide consumers with updates about threats to their personal data. Scam Detectorleads the way by publishing a top ten list of scams, fraud attempts, and other threats each week, ones that are either new or gaining in popularity. Take a look at some of their more recent top scams or fraud attempts.

#1 – Google Business Listing Scam

This one works either by email or by direct dial phone contact, and in both cases, a thief is trying to get access to your credit card. Whether or not they steal your identity is up in the air, but what will definitely happen is you’re signed up for a monthly membership and your card will be charged a recurring fee. And good luck trying to reach an agent to cancel that membership.

The so-called agent who contacts you promises that your small business can be listed on the first page of Google, meaning that anyone who types in “auto garage” will inexplicably see your business. Ask yourself, though, why would you pay to have random internet users see the name of your business? Is someone from Idaho going to drive to your shop in Virginia for repairs, just because he saw your listing on Google?

First it’s an ineffective way to reach customers, but second, it’s a scam. Do not hand over your credit card information or other personal data without knowing exactly who you’re talking to and what they’ll do with it.

#2 – Nepal Earthquake Scam

There should be a special punishment for people who scam well-intentioned citizens out of their money while pretending the money is going to charity. In the years since the attack on September 11th, 2001, the New York County District Attorney’s office has brought charges against approximately 500 people for fraudulent charity collections related to the attack, estimating that those cases alone stole around $5 million total.

Now, everywhere you look on online you’ll probably find a “click here to support” button related to the earthquake in Nepal. Due to this morning’s news that another earthquake has hit Nepal, the fraudulent charities are sure to increase.

Whenever a large-scale disaster strikes, it’s not only natural to want to help, it’s noble. It’s what makes the world great. But don’t let a scammer do even more harm by stealing concerned citizens’ money while ignoring the devastation in order to line his own pockets. Make sure you’re only giving your donations of money or items to reputable companies that are well-known for their disaster response capabilities and their transparency as a 501 (c) 3 non-profit organization.

#3 – Wrong Number Stock Tip Scam

You receive a voicemail message that was obviously intended for someone else, but just as you’re about to hit delete, the real fun begins. The caller—pretending to be leaving a message for someone else—shares a stock market tip that’s too awesome to miss. He makes sure to tell you to keep it to yourself, but to buy up all the stock in such-and-such a company before the big announcement tomorrow.

First of all, this is a scam intended to get you to buy up stocks in a company that’s floundering (and if this is how they resort to getting money for their company, no wonder they’re failing!). Don’t fall for it. But more importantly, this is also a crime. Even if the message had been for you and had been about a legitimate announcement that would send the stock through the roof, it would be called insider trading! You can report these scammers to the Federal Trade Commission by clicking HERE.

For the rest of this week’s top scams, visit Scam-Detector.com or the ITRC website under the Current Scams & Alerts section. Be sure to share this information with others so they can stay informed and protect themselves.

No, a Nigerian Prince does not want to give you money.

This is an example of the Nigerian letter scam and it comes in many forms. The Nigerian letter or email scam is very common and typically requires the victim to send money to the scammer and, in turn, the scammer will reimburse them several times over.

A common example is an email from a representative of a Nigerian prince who needs to transfer $40 million obtained from an oil contract but cannot use an African bank account and therefore needs your assistance. They will want to use your personal bank account, but first, you need to open a Nigerian bank account with at least $100,000 in it to be a qualified foreign recipient of the funds. The prince’s representatives will provide information as to where you will send the money and promise you they will transfer your millions right after. Another example is that you are the winner of a foreign country’s lottery (somehow!) and if you send personal identification information and documents plus a small fee, you will receive your millions of dollars in lottery winnings. Of course, this never happens.

While there are many different ways these fake stories are formulated, they all follow the same basic principle. You send us money, and then we will send you much more. Any time you see this formula you should immediately suspect foul play. These Nigerian letters or email scams used to be very easy to identify because the emails looked very unofficial and there were so many spelling and grammar mistakes that it couldn’t possibly be from a legitimate organization handling millions of dollars. Nowadays they are much harder to detect because the scammers have been putting more effort into creating more realistic and convincing emails that include a business or bank logo, correct grammar and spelling, and sometimes fake websites to look more official and authentic.

The Federal Trade Commission’s (FTC) 2012 Consumer Sentinel Network Data Book compiles complaints received by the FTC, various state law enforcement organizations, the Consumer Financial Protection Bureau, the U.S. Postal Inspection Service and the FBI’s Internet Crime Complaint Center. In the 2012 report, 7,782 complaints were filed under the category of Nigerian/Other Foreign Money Offers (not including prizes) down from 16,405 in 2010. Therefore, people may have become more aware of these scams, but the scammers are working every day to make their scams more and more believable. Be on the lookout for these scams and always remember, if it sounds too good to be true, it probably is.

Should you fall victim to this scam you should immediately report it to:

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