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© Copyright 1995 - 2005
All rights reserved.
Christine Baker
BayHouse.com

 

 

FNMA - Nationsbanc - KeyCorp 
Fraud and Conspiracy Evidence

The facts, the documents, how we calculated, FNMA letters, our letters, my comments, opinions and conclusions.

Exhibit A:  KeyCorp Attorney Holbert’s 10 Day Notice dated March 21, 1995 (scan in new window)

Exhibit B: The July 14, 1995 Reinstatement Breakdown  supplied by Cal Western Reconveyance Corporation  (scan in new window)

Exhibit C:  FNMA counsel Sharon Mason's bla bla bla letter received Thu May 29, 1997  (posted below)

I call this the bla bla bla letter because FNMA counsel Sharon Mason does not refer to a SINGLE document or date. Her claims are entirely unsupported.  Sharon Mason should be prosecuted and disbarred for her outrageous lies and for submitting another fraudulent demand.

Please note: Counsel Sharon Mason did NOT  respond to my charges of Additional Accounting Fraud  as outlined in detail  below.

My response to FNMA counsel Sharon Mason's bla bla bla letter:   May 29, 1997: Request for an Accounting Statement

Cal Civil Code requires that a lender provide an accounting statement within 30 days of request. WITHOUT the accounting statement we cannot contest any debits or submit evidence for payments not credited. 

As of June 1, 1997 we received no response. Apparently FNMA is not able or willing to provide the accounting.

Exhibit D:  US Bankruptcy Court Final Report and Account - Case concluded Thu May 26, 1994

This document proves that Cindi fulfilled her obligations and made ALL payments.

Cindi's response to FNMA counsel Sharon Mason's bla bla bla letter:
May 29, 1997: The detailed explanation why FNMA is wrong.

FNMA Counsel Sharon Mason's May 30, 1997 response to Cindi's detailed explanations:  
"I will be out of my office until Tuesday."

FNMA legal threats against BayHouse WWW (me) and WCO.com, my ISP (Internet Service Provider)

FNMA apparently decided to spend the money on lawyers to shut down this website  INSTEAD of giving us the accounting.

WCO.com, my ISP and web host, has finally assured me on Sunday that they will NOT shut down my account until FNMA has a Court Order.

FNMA employees and attorneys as well as all the other readers are most welcome to express their opinions on the  BayHouse BBS.

Details about the events and the discussion in the private WCO.com newsgroup wco.general will follow once I'm caught up with the more important updates.

[6/25/05:  I never got caught up.  As I updated this page, I removed many of the references related to the ongoing threat of being shut off by WCO - that should have been a separate page.]


Chronology  The "short" documentary of events.


What is the problem?

This isn't a murder case.  We're not OJ or McVeigh.  We don't need DNA testing.  Nobody (that we know of) tampered with evidence.  There is no question about when, who, where and how much.  The lenders supplied all the evidence we need.

At this point we only contest the fraudulent FNMA/Nationsbanc Demands, Notice of Default, the Sale and subsequent Eviction. 

It will take a lot more time to compile a complete list of illegalities.  We can do that once Cindi is back in her house.

It’s not trigonometry or calculus,  just BASIC arithmetic and a little common sense. 

All it takes is the ability to count to 17.


Here’s how we calculate that Cindi’s loan was current when FNMA foreclosed:

Exhibit A:  KeyCorp Attorney Holbert’s 10 Day Notice dated March 21, 1995:

Payments due for 2/95 and 3/95   $800.00
2 x $400.00

Late Charges due 2/95 and 3.95   $32.00
2 x $16
Attorney’s Fee                                $50.00

                                  Total due:    $882.00

As per KeyCorp Attorney Holbert’s March 21, 1995 10 Day Notice, Cindi was current through 1/95.


Exhibit B: The July 14, 1995 Reinstatement Breakdown supplied by Cal Western Reconveyance Corporation

On July 10, 1995, Cindi paid $9,418.60 to Cal-Western Foreclosure Services, including 17 payments.
 

Installment Due 3/1/94  401.62 1 401.62
Payment Change 4/1/94  356.19 16 5,699.04
Total Late Charges  362.31
Advance to Property Inspection 
29.95
Advance to Corporate Advance 
1,296.85
Advance to NSF Check Fee
90.00
Advance to
0
Foreclosure Fees and Costs
1,538.83 
 
Total:
9,418.60


Here’s the Quiz:

Loan is current through 1/95.
17 payments are made.

Loan is prepaid to ????

Well, Judge Wade, Attorney Jerry Steering, Century 21 Sevel & Associates Realtor Jane Blesch, Brian Witherel, FNMA and all you attorneys, bank employees and Cal-Western Reconveyance Company employees who are either retarded or conspired to steal Cindi’s house --

Can you figure it out?

(Hint:  you are allowed to use your fingers to count the months)
(Cindi just gave another hint.  She explained it to her attorney Jerry Steering by using a calendar and putting a big X in the 17 consecutive months starting 2/95)

Using the most conservative approach, these were the payments from 2/95 to 6/96.

The NOD was filed 1/96, while the loan was prepaid for another 5 months.

Additional Accounting Fraud:

If you could follow this far, you might also appreciate the additional facts that

  1. Cindi returned the $395.31 impound check from Nationsbanc to be applied as payment. Now we’re current through 7/96.
  2. The $362.31 late charges on the 7/14/95 Reinstatement Breakdown are obviously incorrect, as the loan was only 5 months past due, not 17. That’s nearly another payment.
  3. Where did the $1,296.85 go, itemized as Corporate Advance?
  4. A $90 NSF fee?  I saw the money orders, Cindi didn’t write checks.

These are the fraudulent charges on just one statement.


May 29, 1997

Finally we got a reply.  We actually got TWO replies.

The first one came from FNMA Counsel Sharon L. Mason, e-mailed to Cindi:


Exhibit C: FNMA counsel Sharon Mason's bla bla bla letter received Thu May 29, 1997

From: Sharon_L_Mason@lanmail.fanniemae.com (Sharon L Mason)
To: spysrusec@aol.com
Date: 97-05-29 17:29:04 EDT
 
In my investigation, I learned that while the information set forth on the Bay House Web Page states that Mr. Steering has been fired, he is still your attorney of record; therefore, the following response was initially sent to Mr. Steering on May 27, 1997.   When a party is represented by counsel, the law forbids another attorney, such as myself, from communicating directly with that party unless their counsel consents to that communication.  Mr. Steering has now consented to this information being sent to you directly via e:Mail.
    
Dear Ms. Campbell:

Your claims and allegations have been reviewed by Fannie Mae's Legal Department and it appears that you have misunderstood and misinterpreted the facts and documents in this matter.

Based on the "Evidence Page" set forth on the Bay House Web page, it appears that you believe Mr. Holbert's letter of March 21, 1995 to mean that you only owed two payments and were current through January, 1995.  You were in a Chapter 13 Bankruptcy at the time of this letter and it refers ONLY to your delinquency on post-petition payments.

In a Chapter 13 bankruptcy, there are two different paths that must be followed for a complete picture.  First, there is the delinquency amount at the time your Bankruptcy was filed ("Pre-petition Arrearages") and second, there is your obligation to make the regular monthly payments that are due after your filing ("Post-petition Payments").  A Chapter 13 debtor pays certain sums to the Chapter 13 trustee and the trustee uses this money to pay the Pre-petition Arrearages.  The Post-petition Payments are generally paid by the debtor directly to the various creditors.

When you failed to make the required Post-petition Payments, Mr. Holbert sent you a letter, as required by the Court, relating to those delinquent payments.  His letters did not refer to or include the Pre-petition Arrearages.  The Bankruptcy Court granted the lender relief form stay to allow completion of foreclosure when you failed to make the Post-petition Payments.  Once relief was granted, the claim was reduced to zero because this claim was no longer part of your Bankruptcy Plan.  The Trustee's Accounting reflected that nothing was owing on the lender's claim because the claim was no longer part of the Plan, NOT because the claim had been paid in full.

The July 14, 1995 Reinstatement Breakdown reflected payments that were past due at the time of its preparation.  Your payment of $9,418.83 brought your loan current, it did not pay your loan in advance.  You must remember that when relief is granted, all delinquent amounts [both Pre-petition Arrearages and Post-petition Payments] are included in the sums required to cure the default and bring the loan current.

Judge Wade understood these facts and for this reason his ruling acknowledged the validity of the foreclosure and allowed Fannie Mae to proceed with the Unlawful Detainer action.

You have also expressed concern regarding your personal property remaining on the premises.  None of your property was removed from the premises prior to the May 24, 1997 deadline.  The only actions taken prior to your deadline for removing the property was to commence packing and to prepare an inventory in preparation for placing the property into storage, as authorized by California law.

Fannie Mae is willing to allow you to repurchase the property for the approximate sum of $49,664.70.  This figure represents the following:

 
        Unpaid Principal Balance                $35,068.53
 
        Delinquent Interest                       2,546.79
 
        Imputed Interest (from foreclosure to
        5/31/97 @ $5.28 per day)                  1,404.48
 
        Foreclosure Expense                         744.90
 
        Appraisal                                          300.00
 
        Estimated Broker Bills (clean up,
        packing, inventory, storage, etc.)        2,000.00
 
        Attorney Fees (Unlawful Detainer &
        Defending Superior Court Action)          6,600.00
 
        Administrative Fee                        1,000.00
 
        Total                                   $49,664.70
 
In addition, a judgment for $2,148.00 was entered against you in the Unlawful Detainer action and this judgment is due and owing to Fannie Mae.  Moreover, imputed interest will continue to accrue at the daily rate of $5.28.

If you are interested in repurchasing the property, please so advise no later than June 6, 1997.

Sincerely,

FANNIE MAE

by:   Sharon L. Mason Counsel

[6/25/05:  Notably absent is any accounting whatsoever and this is how THOUSANDS of home owners are defrauded out of their homes.

Mason wrote: "When you failed to make the required Post-petition Payments, Mr. Holbert sent you a letter, as required by the Court, relating to those delinquent payments.  His letters did not refer to or include the Pre-petition Arrearages."

There was NO Arrearage whatsoever.  

Besides, which lender would wait over a YEAR before foreclosing? You MUST read the Chronology to understand the FNMA/Mason FRAUD. I'm convinced that Mason knew at the time she wrote this e-mail that Cindi's mortgage was PREPAID when they started foreclosing. This is how lenders STEAL houses. Sharon Mason ought to be disbarred and jailed.]


Exhibit D:  US Bankruptcy Court Final Report and Account - Case concluded Thu May 26, 1994  (scan opens in new window)

This document proves that Cindi fulfilled her obligations and made ALL bankruptcy payments. There were NO Pre-petition Arrearages.

FNMA counsel Sharon Mason lied in her letter to Cindi.

But what else is new? 

  • KeyCorp, Nationsbanc and FNMA have lied countless times. 
  • They lied when they sold Cindi's house in 1994. 
  • On 4/26/04 the Bankruptcy Court subsequently declared Cindi current on her loan and vacated the sale.  Cindi only has one page of the document vacating the sale.  She will try to get copies from BK Court Monday to upload here.


May 29, 1997: My response to FNMA counsel Sharon Mason's bla bla bla letter:  Request for Accounting Statement

Date: Thu, 29 May 1997 18:55:35 -0400
To: Sharon_L_Mason@lanmail.fanniemae.com (Sharon L Mason)
From: Christine Baker <chris@bayhouse.com>
Subject: Accounting Statement: 40903 Pine Drive, Forest Falls, CA 92339
Cc: webmaster@fanniemae.com, lisa_haas@lanmail.fanniemae.com

Thursday, May 29, 1997  7 PM

Ms. Mason:

Please IMMEDIATELY supply an accounting statement from the date the loan was last current.   This statement is to contain the following data in this format:

Date   $PMT Due   $Late Fee  $Other   $PMT Recvd  $Principal  $Interest %   Balance

1) Any "Other" charges need to be specifically identified. I.e. "Corporate Advance" is not a valid entry.

Sorry, no vacation in Hawaii on Cindi's account.

2) Valid "Other" charges are Late Charges, Trustee Fees, Appraisal, etc.
We need to see WHO received those fees.  I.e. CalWestern, Nationsbanc,
FNMA, or other parties.

3) ALL entries need to be dated.

4) Oh, and since you probably don't know this, the figures need to be
balanced.  I.e. every payment must be allocated to a certain charge,
Principal, Interest, Late Charge or (Identified) Other.

5) You TOTAL the numbers in these Columns as of the date of the Sale.  They must correspond with the figures you supplied to CalWestern for the sale of the property.

6) You then calculate the TOTAL to 5/31/97 and these number must equal your figures in your E-mail dated May 27, 1997 to attorney Steering.

This is the only way we can prove that you stole Cindi's house.  You know
this.  We know it.

You refuse to supply the accounting and we all know you lied.

Do you believe that you do not have to comply with Cal Civil Code, RESPA and TIL?

Are you entitled to foreclose on homeowners by pulling some figures out of your nose?

You are God and don't need to answer to anyone?

Also, would you please tell us who regulates FNMA?  I would like to file a complaint.

It should only take about 25 seconds to print a detailed account history
providing the requested information and I expect your reply by noon YOUR time tomorrow, Friday May 30, 1997.

Even if your printouts are in a different format, it should only take you a
couple of hours to prepare a readable, clear and concise spread sheet.
Since you just calculated everything for your E-mail to attorney Steering,
this should be no problem.

You may fax the accounting spreadsheet to me at (415) 244-9554.

Thank you

Christine Baker

BayHouse WWW - http://www.bayhouse.com
Learn about Real Estate, Mortgages and Credit

*****    No BS -- just the Facts!     *****

FNMA - Nationsbanc - KeyCorp Conspiracy
http://www.bayhouse.com/FNMA-evidence.html


Cal Civil Code requires that a lender provide an accounting statement within 30 days. WITHOUT the accounting statement we cannot contest any debits or submit evidence for payments not credited. 

As of June 1, 1997 we received no response. Apparently FNMA is not able or willing to provide the accounting despite numerous requests.


May 29, 1997: Cindi's response to FNMA counsel Sharon Mason's bla bla bla letter:

Subj:    Re: 40903 Pine Drive, Forrest Falls, CA 92339
Date:    97-05-29 20:39:58 EDT
From:    SPYSRUSEC

To:      Sharon_L_Mason@lanmail.fanniemae.com

Ms. Mason I would like to make you aware of evidence that I have repeatedly presented to Aronowitz & Armstrong, FNMA, Nationsbanc and anyone else who would listen.  I can provide you with copies of my monthly payments from the period of July 1991 thru January 1995.  So can you please tell me where arrearages were generated from?  The reinstatement notice on the website indicates I was billed for the months of March 1994 thru July 1995.  In July 1994 the federal bankruptcy court declared me current thru July 1994.  This was the first time Keycorp illegally sold my house and the judge saw through their illegal actions and denied them all they requested.  The final accounting provided by the bankruptcy trustee show a balance of -0-.  Keycorp never filed any claim for any due amounts.  When I reinstated my loan I was assured by the trustee at Cal-Western that my account would be reconciled and the payments applied to the future 12 months.

Now let me ask you this if I can provide proof of each monthly payment from the period of July 1991 thru January 1995 and in July 1995 I paid 17 payments then please tell me where the arrearages were generated from.

I have always stated that FNMA acquired the problem from Keycorp and even gave Nationsbanc the benefit of the doubt and said they got the problem from Keycorp. It is the actions of all parties now involved that changes my mind.  How can you be certain that the records provided to you by Keycorp or Nationsbanc are flawless? Brian Witherel is a snake and would do anything to cover his ass.  The person from you Pasadena office that declared under penalty of perjury that she was the custodian of my records didn't even work for FNMA when the declaration was filed. Aronowitz & Armstrong didn't think anyone would bother checking but the document with her signature was so different from the rest of the declaration.  As for Mr. Jerry Steering he is a sad representation of a lawyer, if there is a good one.  His old address was the same as Nationsbanc in Newport Beach.  Guess he didn't think anyone would check either, I believe they call that conflict of interest. I used your documents as my evidence that I was right.  If you will check your statement and I am referring to the transactions that were remitted by the bankruptcy trustee you will see that they were received and put in suspense.  I have a letter from Madhu Kalra stating that Brian Witherel of Keycorp said they put them in the suspense and then in a lump sum allocate the amounts to principal, interest, impounds.  I would like you to show me where the amounts remitted by the trustee were ever taken out of suspense and credited.  You should get the July 1994 court records from Ronald Holbert and read them before you get sucked in any further.

As I have said since the beginning, if you were so sure of your position then why wouldn't anyone ever respond?  I believe it is because you could not present my account in a clear concise manner and you didn't have the evidence to present it. I asked on a number of occasions to meet with someone from your firm and discuss the matter, never would anyone do that because they were not confident of your position.

Another interesting item was when FNMA was certain that Nationsbanc owned my house not fannie mae.  By the way have you called the phone number that FNMA presents on federal tax document (1099-A)  as their number?  I was taken back when the operator answered Nationsbanc.  Maybe Nationsbanc does own my house since their phone number is on the document representing the sale.  The IRS found this very unusual too.  They are going to check all the numbers to make sure their aren't other errors.

Last and certainly not least is the fact that I have a video tape of what was done to my house and my belongings.  I also have 5 witnesses who were there when Jane Blesch opened the door.  The sheriff didn't seem to think it was just packing when I called to file a burglary and vandalism report.  The broken items and missing items are not the most damage that was done.  It was the baby pictures of my daughter and her keepsakes that were destroyed that can't be replaced.  They stole her memories and important parts of my life.

I will offer you this challange:  you bring your records and I'll bring mine, we'll sit down and review each and every item that is in question, I'll leave my gun at home, I'll be civil, I'm used to this kind of confrontation.  Did I mention that I was tax audit coordinator for one of California's largest public construction companies for 10 yrs. Did I mention that prior to that I was the Executive Director of Golden State Schools a private technical school for 10 yrs.  I received a letter and certificate presented by the Department of Labor for running an error free program administering over 4 million dollars in Title IV funding?  Well we can talk government shop when we meet if you are so certain of your position..


May 30, 1997: FNMA Counsel Sharon Mason's  response to Cindi's detailed explanations:

From: Sharon_L_Mason@lanmail.fanniemae.com (Sharon L Mason)
To: SPYSRUSEC@aol.com
Date: 97-05-30 03:42:01 EDT

I will be out of my office until Tuesday.


It looks to me like she doesn't know what to say and is buying time.

Why is FNMA counsel Sharon Mason the only person who can respond to and verify or dispute Cindi's statements?

My complete reply to Sharon Mason's insult on our intelligence  will require way more time than I have right now.

Her letter is exactly what I complained about in my letters to Wilson and the Clintons and that's why I'm demanding that both the Federal and California Justice Department investigate this conspiracy.

The lenders' attorneys submit a lengthy bla bla bla bla bla bla and they do NOT substantiate their claims.

Instead, they threaten with libel suits!

Why would ANYONE believe Sharon Mason?

If YOU believe her numbers and claims have any validity whatsoever, please explain to us what you're thinking.

Every credit card company has to supply itemized statements.  Beginning balance, new charges, payments, interest, late charges, other fees, new balance, minimum payments due by certain dates.  And it all has to add up!

Would YOU just go ahead and pay whatever some lawyer wants?  I certainly wouldn't.  You'd have to be a complete idiot to write a check every time somebody wants your money.

Please note that FNMA Counsel Sharon L. Mason did NOT dispute or explain any of the specific charges of Additional Accounting Fraud

What does that tell you?

Why do you think all she sends is bla bla bla bla bla .... with NO substance?


The second reply was from Anthony V. Lupo with Arent Fox, threatening to sue WCO.com, my ISP. (received by me May 29, 1997)

May 27, 1997

Via Federal Express

Mr. Paul Theodoropoulos
Vice President
West Coast On-Line
5800 Redwood Drive
#306
Rohnert Park, CA 94928

Dear Mr. Theodoropoulos:

We represent Fannie Mae, which, as you know, provides mortgage and lending-related services. Our client has recently become aware that a Internet home page hosted by your company, is making defamatory and libelous claims regarding our client on its Internet home page:

    More Lender FRAUD!
    * Home Savings of America
    * KeyCorp
    * Nationsbanc
    * FNMA
    FNMA?  YES!  FNMA illegally and knowingly forecloses on homeowners who are NOT in default.

Your client has also included on its page, a recitation of the facts regarding the alleged fraud and conspiracy that Fannie Mae had perpetrated on Cindi Campbell.  In addition, your client is using your services to send libelous, harassing and threatening E-mail to our client's employees, and then has posted that message on its home page.  (See attached message). We have contacted Christine Baker, the owner of the page and apparent principal of BayHouse, demanding that she cease and desist from making libelous and defamatory statements against Fannie Mae on her company's Internet home page and sending harassing and threatening E-mail.  (See attached letter)

Our client is extremely concerned by this attack on its reputation.  We assume that your company was unaware of these false statements being made on BayHouse's home page.  However, now that your company is on notice, we expect that you will immediately cease allowing your client to publish and disseminate this information through your server.

It should be noted, an Internet  Service Provider can be held legally responsible for libelous and defamatory statements made on one of its client's Internet home pages.
See Stratton Oakmont, Inc.v. Prodigy Services Co., 1995 N.Y. Misc. LEXIS 229 (N.Y. Sup. Ct. May 24, 1995). In this regard, please contact us by Friday, May 30, 1997, indicating what steps you will take to stop your client from disseminating through your server libelous and defamatory statements against Fannie Mae, and from sending harassing and threatening E-mail.  If we do not hear from you by next Friday, we will be forced to instruct our client that it should seek full legal recourse against your company.

Sincerely,

Anthony V. Lupo

cc:    Ms. Christine Baker
        Fannie Mae
        Rodney F. Page, Esq.


I got pretty much the same letter as Paul Theodoropoulos, more bla bla bla bla bla with no specifics.  Not worth the time and space to add it here.

First of all, I really resent being referred to as "it."  I'm a human being, female.

Second, FNMA DID illegally and knowingly foreclose on Cindi (the homeowner) TWICE.  The first time the sale was vacated in Court in 1994.  I don't have the document here, but will have it faxed to me and upload it.  I'd say this will prove that my statement is correct.

When a lender demands money they are not owed and forecloses on a homeowner who then disputes the demand and foreclosure, goes to Court and wins, I'd say that proves the fraud.

Who does not agree and why?

Why did nobody do prison time for this crime?

I predict the second sale WILL be vacated once we get an accounting statement and get back into Court. I didn't expect to have to go to Court.  I thought FNMA would immediately take action and deliver the keys to Cindi after we first brought the matter to their attention. I was wrong.

Re. attorney Lupo's "In addition, your client is using your services to send libelous, harassing and threatening E-mail to our client's employees, and then has posted that message on its home page."

I've sent COUNTLESS E-mails to FNMA.

Of course I get pissed off when these people at FNMA lie to Cindi about the ownership of the house on the day she is evicted.  Of course I'm yelling, screaming and threatening when one "normal" E-mail after another and the initial phone calls yield no reply. I just don't like being ignored while Cindi and Danielle are homeless.

NOBODY EVER asked me not to mail to FNMA anymore.  Until I got Lupo's mail May 29, 1997, we didn't even know our letters were received!

Can't FNMA afford better lawyers?

He really has nothing to say expect that FNMA doesn't like the bad publicity.

What's he think why I publish?  DUH!

This is a major step forward in our fight to take back Cindi's home. 

Thank you Mr. Lupo for finally acknowledging that FNMA  DID receive our countless E-mails, ranging from desperate pleas to desperate threats.

THANK YOU! THANK YOU!  THANK YOU!

We now know we're alive and didn't just dream that we sent E-mail after E-mail to FNMA.

Question:  Why didn't FNMA respond?


WCO.com, my ISP and web host, has finally assured me that they will NOT shut down my account until FNMA has a Court Order.
 
Details about the events and the discussion in the private WCO.com newsgroup wco.general will follow once I'm caught up with the more important updates.

You think I'm full of shit?

Check out my Transamerica documentary.

I admit it's lengthy and depressing.  But you'll see that I know what I'm doing when it comes to adding numbers.  Senior Legal Counsel Gerald Lax didn't admit to that $15K "error" because he liked me.  :)

Transamerica wouldn't allow me to have the page up if it wasn't true.


FNMA Fraud Chronology

FNMA Fraud Evidence & Calculations

The 2 documents proving the FNMA fraud

12/23/97:  Cindi posted that she got her house back.

The 2002 documentary:  Wells Fargo and the Buckley Firm conspiring to fraudulently foreclose on Lynette's home.

The 6/25/05 blog posting about the revival of the FNMA documentary

My 1995 Transamerica fraud documentary.

The 6/25/05 blog posting about this documentary

Revised June 1, 1997 --  minor updates 6/25/05

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