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It's time to begin planning
your holiday funding.
Apply for a Christmas credit card
or for a Christmas personal loan





Annuity - Learn about annuity investments.

Balance checkbook - How to balance a checkbook and download our free checkbook register software.

Bank checking account - How to read a bank checking account statement.

Business loan - Get funding to start a small business or to finance a corporation.

How much money can I borrow - Input the amount you can afford to repay, whether bi-weekly or monthly installments, and the calculator will review the maximum loan amount you can afford to payback.

Card interest rates - Get current credit card interest rates from major issuers.

Card & Loan calculators - Calculate credit card interest, mortgage payments, home refinancing, and to manage and track expenses budgets, plus create a household budget.

Checkbook Register - Free CheckBook Register Software to Manage Expenses

Christmas credit card - Apply for a Christmas credit card to make gift purchases.

Christmas credit card debt - Options on how to get help with too much Christmas credit card debt.

Christmas credit card shopping - Tips for safe shopping with your credit card.

Consolidate student loan - Apply to refinance student loan debt for a lower interest rate and payments.

Counterfeit money - Spot counterfeit money and report fake money to the govt.

Create a will - How to create a will yourself and prepare a living will.

Credit card statement - How to read a credit card billing statement.

Credit and divorce - How divorce affects your credit score and bill payments.

Credit and loan prequalification - Prequalify for credit cards and loans based upon your credit score.

Espanol credito - Obtenga el crédito y los préstamos financieros. Algunos abastecedores del crédito no tienen traducción española. Tarjeta de crédito.

File bankruptcy - How to file bankruptcy, chapter 7, 11, 13.

Financial calculators

Free bank checking account - Apply for a no fee, online bank checking account.

Free bankruptcy forms - Free online chapter 7, chapter 11 and chapter 13 bankruptcy forms.

Free calculator downloads - Free financial calculators and software for budgets, interest, payments, and more.

Free checking account - Free internet checking accounts.

Free credit check - Rate your credit based upon your personal history.

Free credit offers - Financial newsletter membership for free credit offers by email.

Free IRS tax calculator - Quickly and easily calculate your estimated taxes and withholding.

Free money and gov grants - Instant access (no registration and no credit card) to government grant programs and applications.

Free online tax return filing - Qualify for free tax return filing.

Government debt consolidation loans - Truth about government loans to pay bills.

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Government assistance - Apply for government assistance programs.

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Government nontraditional grants - Review other types of grants.

Government pensions - Information about government retirement plans.

Government private grant foundations - Search for a grant from other foundations.

Government unclaimed funds - See if you are entitled to free money.

Government unclaimed money - See if someone owes you a refund.

Government veteran grant - Veteran grant programs.

Government women education grant - Educational grants for women.

Insurance - Get online quotes for life, home and auto insurance.

Interest Rates - Get current interest rates for loans and credit cards.

No collateral business loan - Quick cash for small businesses.

Personal budget - Download our personal budget software.

Personal budget software - How to use our personal budget software.

Personal finance - Keep track of personal finances with our services and resources.

Personal finance newsletter - Free personal finance management tips and special credit offers.

Plan retirement - Prepare for retirement with our tips.

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Auto Loan: Good or bad credit auto loan quote. Apply for a new or used auto loan, or for car refinancing.

Credit Card: Search for a gold rewards or a bad credit card. To rebuild credit, get an instant approval credit card. Browse unsecured platinum and guaranteed credit card offers.


Credit Report: Free credit report help to fix credit report errors and improve credit score ratings.


Debt Counseling: Nonprofit credit counseling, unsecured debt consolidation or free debt settlement.


Free Credit Offers: Get no obligation credit offers and receive alerts and tips to manage personal finances.


Home Loan: Stop paying rent and live the American dream.


Mortgage Refinancing: 2nd mortgage loan for remodeling, equity cash out or a debt consolidation loan.


Payday Loan: Get a good or bad credit unsecured loan with no credit check and no collateral.


Personal Loan: Short or long term personal loan.


Personal Finance: Create a personal budget, balance a checkbook, file bankruptcy and more.


Free Help: Personal finance newsletter, credit advice and tips.


Interest rates: National averages of credit card, mortgage, refinancing and auto loan interest rates.



U.S. Consumer Credit Applications - Click Choice to Preview Financial Offer


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Credit Report  Fix Credit Report Errors and Improve Credit Score

Mortgage Loan  New Home, Equity and Refinance

Auto loan  New, Used and Refinancing (as available)



Comparing various credit offers can not only be confusing, yet also quite time consuming. Referring to forums and advice boards are not much use either, as you cannot verify the truth of any statements as they could have been submitted by a representative of a credit company.


When considering credit cards, the pros and cons of each one can make your head spin. There are secured, unsecured, pre-paid and debit cards. Among those there are different issuers all with differing terms, fees, rates and rewards. Some cards are reserved for excellent credit applicants and some are designed to rebuild credit. Many people dedicate vast amounts of time comparing cards only to discover after they apply that they are not qualified and their application is rejected.


Auto loans may not have as many variables, yet there's a huge advantage of networking to find the absolute lowest interest rate as well as a great deal. Requesting multiple free quotes with no obligation can make the lender choice easier.


Personal loans are not all alike, as they can be secured or unsecured, with either short or long term repayment periods with monthly installments. Even the simpler payday advances. are comprised of lenders with varying interest rates and fees to be compared, in addition to finding one with a good customer service record. There are also some payday lenders who offer longer repayment periods than the typical two weeks. As for large personal loans, based upon the lender there are both secured and unsecured types.  High amount personal loans with long term repayments have their own interest rates and fees to consider.


Best lenderpreviews consumer credit offers in an effort to make comparing, choosing and getting an approved application easier for the consumer. In some instances, it can be highly beneficial to use a free matching service to find the credit you need and qualify for without unwanted hard credit pulls. In some instances, you can get pre-approved with only soft pulls, or with no credit report reviews whatsoever.



Gppd lender makes it easier for underserved consumers to locate and obtain the financial assistance they need.


Secured and Unsecured Credit Card Offers



Good or Bad Credit Personal Loan Application

Apply for a bad credit unssecured loan with no credit check or a personal loan of up to $10,000. A payday loan offers instant, guaranteed approval and is ideal as an emergency cash loan. A long term personal loan offers lower interest but requires good credit. Compare benefits of a short term and a high risk loan and submit an online application.

(Offers as available depending upon lender participation; subject to change)




Personal Credit


Many consumers try to monitor their personal credit, and for those who do not have the time or energy, there are agencies that will do it 365 days a year. These companies usually have a monthly fee, and they will send email alerts when some kind of change happens. Since there are so many choices, it is a good idea to compare fees and services before applying. Email alerts are usually sent when there is any new activity which can be in many forms. The great thing is the client may only need to check their personal emails, to see if there are new changes on their reports.


Examples of Credit Alerts:


* New public records on reports.

* Negative comments from creditors.

* Address changes or other signs of fraud.

* New credit inquiries or new lines of credit are opened.


Using a monitoring service has helped millions of people get indications of identity theft. By being notified immediately, a person can react swiftly to possible problems concerning fraud or mistakes on reports. The Federal Trade Commission has estimated that millions of Americans have been a victim of identity theft in the last few years, and is increasing. 


A credit score is a three digit rating that some creditors use to predict a consumer's behavior. It may indicate how likely a debt will be paid or the possibility of filing for bankruptcy. When viewing reports look at every item and look for any incorrect information. Review your address details, date of birth, and employment information. If there have been any judgments and liens, make sure the documentation is correct, as well as any account information listed. Look for any credit inquiries that you did not initiate, as this can be a sign of attempted fraud.


Reports are used by creditors to make decisions about the interest rate they will charge. Awful scores usually mean higher interest rates will be charged. By monitoring scores, when you see scores falling, you can take control to repair scores. Scores can mean the difference between getting a job or getting turned down for a job. Bad credit could even mean getting insurance at a higher cost. Creditors especially like to see how bills were paid before they choose to extend credit to an applicant. 


Credit bureaus keep personal credit information for as long as ten years for chapter 7 bankruptcy and closed or inactive accounts. Negative comments and public records can stay on as long as 7 years. Unpaid tax liens are not removed from reports. It is important to try to keep credit in the best possible shape, and some people do better when they let a credit repair service help them understand their reports and learn how to rebuild scores.

Review Disclaimer: Review information was gleaned from the website, and is neither an endorsement by us nor an confirmation of content nor a warranty of any promises made by the website. Use the review information at your sole discretion and sole liability. Review - New Home Purchase Loan and Refinancing. Copyright © 2000-2010 Guaranteed Rate. All rights reserved.

Guaranteed Rate was founded on the simple idea of building a mortgage company focused on serving the best interests of our customers. Our straightforward business model is structured to provide our customers with the right products, lowest rates and un-matched service. Today, we're one of the largest independent and fastest growing mortgage lenders in the country, licensed in 43 states, with over 1,100 employees and $6.9 billion in mortgage fundings in 2010 alone. While in recent years banks have made the mortgage process more cumbersome and decreased their overall lending, Guaranteed Rate has increased lending and streamlined the entire mortgage process helping growing numbers of consumers buy or refinance their homes. We continually invest in technology and employee training to simplify the entire mortgage process for our customers from application to closing. These investments yield higher productivity, faster closings and satisfied customers who return to us again and again for their mortgage needs.

At Guaranteed Rate we have created an exceptional work environment that allows our employees to focus on optimizing the mortgage experience for you. We have built a team of industry-leading mortgage professionals from whom we expect and receive the best. We provide our employees with the tools and lifestyle to help and assist our customers as well as achieve their own personal goals. 

Guaranteed Rate is here to help you. Get acquainted with us by going through our website; find useful tools like this daily comparison of interest rates, mortgage calculators and this breakdown explaining the loan process. We're here to help -- and your Loan Officer is ready to answer all your questions and address your concerns. Thank you for visiting our website and considering Guaranteed Rate for your mortgage needs. 

Purchasing A New Home
One of the most important steps in buying a new home is securing a home loan – and at Guaranteed Rate, we’re here to make sure everything’s covered so you can focus on your move. The home buying process can seem complex, but with the help of your Guaranteed Rate loan officer, you’ll learn how easy the journey can become. When you speak with your loan officer, you’ll discuss down payment options, your current financial overview, credit history, and long-term goals.

Refinancing A Mortgage
When you refinance your home loan with Guaranteed Rate, you’ll lower your monthly payment and could save thousands of dollars over the life of your loan. In this ever-changing economy, people are looking to save rather than spend – and refinancing your home loan when mortgage rates drop is the fastest, easiest and most rewarding method to lower your monthly costs. Check-out our calculators and see if you could save money now by refinancing. Remember that various market swings affect mortgage interest rates, so stay in constant contact with your loan officer for the latest updates.

For example, say you bought a home last year for $300,000 with a 5% interest rate and carry a remaining balance of $275,000. Your estimated monthly payment would be around $1,476. If you could refinance to a rate of, say, 4.5%, you could potentially obtain a new monthly payment of $1,340. This could lead to a savings of $136 per month -- or up to $8,160 over the next five years!

Guaranteed Rate, Inc.
3940 N. Ravenswood, Chicago, IL 60613
1-866-934-RATE (7283)

Easy, anyone approved credit card offers - Browse our popular, most recommended credit cards then submit an individual or cosigner credit card application. Our number one recommended credit cards are specifically for bad credit people seeking a card to help them establish or rebuild credit. Unlike large limit credit cards that require above average; and some actually require excellent, credit scores, these cards are primarily for low income people with troubled credit. Of course due to the high risk, they have above average interest rates and may have lower credit limits and rewards.

More than one bank is easiest to get credit card with. These easy approval cards are called subprime offers, because they accept people with very bad or even no credit history. A few subprime credit cards can also help improve credit if they report to a major credit agency either Experian, Equifax or TransUnion. Some credit card companies use Experian only or Equifax only, and so forth. If you have no credit and want to apply for your first credit card you should first familiarize yourself with the terms and conditions, as well as all fees and interest rates. Don't try to get the largest limit card or one with the biggest cashback and rewards, but instead get one that has the lowest charges.

What is the credit score for credit card offers? That depends mainly on the size of the card's credit limit, and what rewards it offers such as an instant cash back credit card. If doesn't necessary depend on the brand. For example you can apply for a Visa credit card that has either a high limit or one that is secured with no credit check. With all the factors, you should ask yourself should I apply for credit card online instant approval, or should I apply for Best Buy credit card so I will be limited in what and where I can make purchases to control debt? If you opt for a store card, find out how to get cash back on a credit card with the retailer. Make sure the rewards are not difficult to earn and redeem.

Payday Personal


Laws for payday loans are not always the same as those for a traditional loan, and sometimes there can be a misunderstanding about the different types of loans. Payday loan fees vary among lenders, some offer very reasonable rates and others may have higher interest rates. Now there are laws that can protect the consumer. 


Examples of some payday loan laws:


* High, excessive fees can not be charged.

* Service charges may be limited.

* Information must be provided about interest rates and fees.

* The Terms and Conditions must be provided. 

* The fees and interest rates that will be charged must be understandable.

* Some states limit the number of loans a person can have in one year.


The federal government has made sure that information for getting loans is clear, and lenders can't take advantage of consumers. Laws that are in effect do a lot to ensure people protected. States with these loans have their own laws too, and they have certain limits which can vary among states. For example, some states restrict the number of loans a person can have during a year, or there is a limit on the how much can be charged for the loan. 


Many payday loans are only for about seven to fourteen days or more, this varies among lenders. Just like any loan, the more time to repay the loan, the more interest rates are added. It is important to figure the amount of interest for the loan and if it is necessary to set a longer repayment period. The only other source to get better interest rates, is a home loan, and the home is used as collateral. The risk is loosing the home if the loan is not paid.


A mistake is when loans are not repaid on the due date or the loan is extended, which means there can be extra fees. When a short term loan is not an answer because more time to repay the loan is needed, then a secured loan may be the next option to get money. Any need for a loan must be taken seriously and not ventured into hastily. Weigh the choices for an unsecured loan and a secured loan as well as all fees, terms, and conditions.

Credit Tip: Important comparisons when choosing a bank checking account (if applicable): *the minimum needed to open the account; *interest rate; *monthly fee; *what happens if your account falls below the minimum; *bounced/return check fee; *check writing limit; *ATM fee.

Credit Tip: Banks borrow money from individuals, companies and sometimes even from the government, and then they invest that money in securities or through private loans to make a profit. When deciding to approve a loan application, they consider several factors, chiefly the overall risk.

Compare Credit Cards with Sky Miles Rewards

An airline miles credit card rewards the cardholder with bonus points or miles that can be cashed in for free travel, including a free airline ticket if a certain number of points or miles are earned. Many of these cards also feature other travel rewards, such as free hotel stays and travel insurance. The following are our most popular airline miles credit cards offered by our partners:

United MileagePlus® Explorer Card

* Start with 30,000 bonus miles after you spend $1,000 in the first 3 months
* Check your first bag for free – save up to $100 per roundtrip
* Enjoy priority boarding privileges and visit the United Club with two one-time-use passes every year
* No foreign transaction fees!
* Earn double miles on tickets purchased from United, and 1 mile per $1 on all other purchases
* Your miles don’t expire as long as you’re a Cardmember, with no limit to the number of miles you can earn
* Use your miles for any seat, any time, on any United flight
* $0 intro annual fee for the first year, then $95

BankAmericard Travel Rewards® Credit Card

* Earn 1.5 points per $1 on every purchase, every time with no annual fee and no foreign transaction fees
* Online exclusive 10,000 bonus points if you make at least $500 in purchases in the first 90 days - that can be $100 towards travel purchases
* Book travel as you normally would and go online or call to redeem your points for a statement credit toward all or part of your travel purchases
* Redeem points to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees with no blackout dates
* No limit to the total number of points you can earn and points don't expire
* Bank of America customers: Get an annual 10% customer points bonus on your total purchases when you have a Bank of America® checking or savings account
* 0% Introductory APR for 12 billing cycles for purchases, then 14.99% - 22.99% Variable APR

Barclaycard Arrival Plus™ World Elite MasterCard®

* Earn 40,000 bonus miles when you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $400 travel statement credit
* Earn 2X miles on all purchases
* Miles don't expire as long as your account is open, active and in good standing
* Chip card for increased confidence and convenience to pay abroad as easily as you do at home
* Book the travel you want — airfare, hotels, cruises and more and earn miles on your purchase
* Get 10% miles back to use toward your next redemption every time you redeem for travel statement credits
* No foreign transaction fees on anything you buy while in another country
* Complimentary online FICO® Score access for Barclaycard Arrival cardmembers

Capital One® Venture® Rewards Credit Card

* Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within the first 3 months, equal to $400 in travel
* Earn unlimited 2X miles on every purchase, every day
* Fly any airline, stay at any hotel, anytime
* Travel when you want-no blackout dates
* Miles don’t expire
* No limit to the miles you can earn
* No foreign transaction fees
* No annual fee for the first year; $59 after that

Capital One® VentureOne® Rewards Credit Card

* Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months, equal to $200 in travel
* Earn unlimited 1.25 miles on every purchase, every day
* No annual fee
* Fly any airline, stay at any hotel, anytime
* Enjoy a low intro APR on purchases
* Travel when you want - no blackout dates
* Miles don’t expire
* No limit to the miles you can earn

The US Airways® Premier World MasterCard®

* Earn 40,000 bonus miles after your first purchase and payment of the $89 annual fee*
* First checked bag free on eligible bags for you and up to four companions on domestic US Airways operated flights
* One companion certificate good for up to 2 guests to travel with you on a US Airways operated flight at $99 each, plus taxes and fees
* Priority boarding Zone 2 on US Airways operated flights
* Redeem miles for award travel on US Airways and American Airlines booked through or US Airways Reservations
* Earn miles on every purchase with 2 miles for every $1 you spend on US Airways purchases and 1 mile for every $1 on purchases everywhere else
* Please see terms and conditions for complete details

Chase Sapphire Preferred®

* Earn 40,000 bonus points when you spend $3,000 on purchases in the first 3 months from account opening. That's $500 in travel when you redeem through Chase Ultimate RewardsSM
* Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening.
* 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases
* No foreign transaction fees, plus Chip and Signature enabled for international travel.
* 1:1 point transfer to leading frequent travel programs at full value - that means 1,000 Ultimate Rewards points equal 1,000 partner miles/points.
* 24/7 direct access to dedicated customer service specialists
* Introductory Annual Fee of $0 the first year, then $95

Southwest Airlines Rapid Rewards® Premier Credit Card

* Get 25,000 points for 1 ROUNDTRIP FLIGHT after you spend $1,000 on purchases in the first 3 months of opening your account. Government fees as low as $12 not included.
* Get 6,000 points after your Cardmember Anniversary.
* Earn 2 points per $1 spent on Southwest Airlines® and AirTran® Airways purchases made directly with the airlines and on Rapid Rewards Hotel and Car Rental Partner purchases.
* Earn 1 point per $1 spent on all other purchases.
* Redeem points for gift cards, car rentals, cruises, hotel stays, and international flights to over 800 Destinations on 50+ global carriers.
* No foreign transaction fees

Chase Sapphire® Card

* 10,000 bonus points when you spend $500 on purchases in the first 3 months from account opening - that's $100 in travel rewards when you redeem through Chase Ultimate RewardsSM!
* 2,500 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
* 2X points on dining at restaurants and 1 point per dollar spent on all other purchases
* Points never expire and there are no limits on how many points you can earn
* Redeem points for travel, gift cards, merchandise, cash back and more
* Earn an additional point per dollar spent when you book airfare and hotel accommodations online through Chase Ultimate RewardsSM
* 24/7 direct access to dedicated customer service specialists
* No Annual Fee!

Citi® Platinum Select® / AAdvantage® World MasterCard®

* Earn 30,000 American Airlines AAdvantage® bonus miles and 2 Admirals Club® Passes after making $1,000 in purchases within the first 3 months of cardmembership.*
* Your first eligible checked bag is free*
* Group 1 boarding and 25% savings on eligible in-flight purchases*
* Earn a $100 American Airlines Flight Discount every cardmembership year with qualifying purchases and cardmembership renewal*
* Double AAdvantage® miles on eligible American Airlines purchases*
* Earn 10% of your redeemed AAdvantage® miles back – up to 10,000 AAdvantage® miles each calendar year*

* Check issuer for any changes to the above information, such as interest rates, intro periods, rewards, etc, as these details may have changed.

Getting Approved for a Bank Personal Loan

There are many different types of personal loans. Mortgages are one of the most common, although there are many options for smaller amounts of money or for shorter terms. Getting approved for a personal loan is dependent on your ability to prove that you can repay the money borrowed. In these difficult economic times, many financial institutions have become increasingly strict with whom they approve for personal loans. Follow these steps to help improve your chances of being approved.

When you go in for a job interview, you want to look your best and try to present yourself as best as you can both on paper and off. With banks and personal loans, you want to do the same thing, especially since the relationship can be longer than one with an employer.

The representative at the bank will be looking for any reason that might suggest you’re a bad candidate for the loan; they’ll look over your credit score history, any existing debt you have, and your income. Basically they want to know whether or not you will be able to repay the loan under their terms. If there is any shadow of a doubt, you can be sure that they will pass on giving you a loan.

For the loan that I received, I was actually turned down with my first application even though I was asking for half as much money as my second application (which was later approved). The bank told me that starting a business was risky and that they therefore wouldn’t loan to me. When I went back in with the new intent of consolidating debt as well as getting a little extra money for starting my business, they were all for the transaction because I had my new car as collateral.

You can’t predict exactly how the bank will act when going through the lending process, but you can control how prepared you are. Be ready to provide information on any collateral you have and proof of income. Show the lender that you are on the ball and know what you’re doing – it’ll increase your chances of approval.

A personal loan interview is much like a job interview. Your answers to questions like, “Why are you applying for this loan” and “How quickly do you intend to pay the loan back” matter. You obviously need to be honest but you also need to consider what the interviewer will think about your reply, and thus formulate it in a way that sends the right message.

Be cordial and answer the questions as directly as you can without giving away too much unnecessary information. The interviewer will be trying hard to “read between the lines” and find out what you might really mean, so do the best you can to give them exactly what they want and nothing more.

At the end of a job interview, there usually comes a time in the conversation when you are given the initial terms of employment. At this point, you may even be offered a position – including a salary figure and key benefits to make the job sound more appealing. With jobs and personal loans alike, all of the terms are negotiable. If they don’t sound right, don’t take them!

In the case of my personal loan, the interest rate came back at 10%. For me, this was lower than the interest rate on the bulk of my debt so I took the deal, but had it been any closer to my car loan’s higher interest rate of 13% I would have said, “no thanks.”

Keep in mind that you are a customer of the bank. You are their source of revenue, but more importantly you are the foundation on which they operate. You have a lot more control in this situation than you might think, and if you don’t like everything about what they offer, don’t be afraid to walk away. You owe them nothing and taking a bad deal will only hurt your future. On the other hand, passing on the loan won’t hurt the banks one bit.

Make a list of the reasons that you need the loan, how much money you will need, and the amount that you can repay each month. Understanding your needs is the first step towards finding the personal loan that is best for you.

Order a copy of your credit report from each of the major credit bureaus: Experian, Equifax, and TransUnion. The first thing lenders check is your FICO score. Make sure your score is as high as possible.

Check each credit report to make sure that there are no mistakes that could negatively affect your score. Contact any bureau that is reporting incorrect information to have it fixed immediately.

Research potential lenders. You may be able to find a better deal with a bank that you already have accounts with.

Collect information on your income. Financial institutions will need proof that you have the means to repay a personal loan. This includes your employment history or your previous income if you are self-employed.

Discuss your needs and assets with a loan officer from the bank that you think may be a good fit for you. Fill out the application required by the financial institution and provide any personal information that they require. If your application is rejected, try another bank until you are approved for a loan.


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