is florida financial advisors a pyramid scheme

In most cases, it's better to just avoid this system altogether. Both schemes also come with huge promises on the type of returns their victims will see down the line. At the very top, sits the operator of the pyramid scheme who recruits distributors, who often have to pay a fee for the right to join what they believe to be a legitimate business. For complete details on any product see the terms and conditions on the financial institutions website. Other scams include misrepresenting qualifications, such as claiming experience or certifications you don't have or promising unrealistic returns, such as claiming an investment will generate huge numbers. The caller told my father that they were now the 401k provider for the company I work for. The firm specifically caters to those who live in Florida and have Floridian lifestyles. It is basically spam but with human sales people. This information is not intended to create, and receipt or viewing does not constitute, an attorney-client relationship. You don't even get a guaranteed salary until you make like $3000 in commission after the first year. Investopedia does not include all offers available in the marketplace. If you or your company are being investigated for, or have been arrested for, white collar crimes or pyramid/Ponzi scheme-related charges, it's important to seek the legal advice of an experienced white collar crimes lawyer in Florida. If you need an attorney, find one right now. By doing so, he sought to entice new investors into his fund. A private financial advisor, he is the sole owner and operator of a company called Coral Gables Asset Management LLC (CGAM). The investment proceeds in this classic scam are simply the new investors' monies doled out to existing clients. In other words, Ponzi schemes need to operate unnoticed because they are unquestionably illegal. Early investors are paid with funds collected from later investors. At Sonn Law Group, our financial fraud attorneys have the skills and experience needed to handle complex pyramid scheme cases. Coming soon! Let's discuss some of these points. Beach slapped him with 10 more years each on three counts: one count of forgery against seniors and two counts of exploitation of seniors. By accepting all cookies, you agree to our use of cookies to deliver and maintain our services and site, improve the quality of Reddit, personalize Reddit content and advertising, and measure the effectiveness of advertising. You will often hear these two relatively common investment fraud scams mentioned in the same breath. Ponzi schemes promise a high return on an investment with little risk. For anyone not looking deeper into this, it means that these are company employees (probably the same employee) and that they are trying to make Florida Financial Advisors not look like the scam they are. Best of luck in the recruiting process. https://www.carlson-law.net/sec-charges-a-florida-resident-in-connection-to-18-5-million-securities-fraud-scheme/, 1 SE 3rd Ave #1200 Suntrust International Center Miami, Florida 33131, Telephone: 305-372-9700 Fax: 305-372-8265. MoneyMAX gives you access to the advice of professional advisors. The email address cannot be subscribed. Just wanted to make sure to answer all of your questions to the best of my ability. When the money runs out, the victimized investors are stunned to learn that their gains only existed on paper. Questions? Find out if the advisor has received any disciplinary action or complaints. He edits and writes articles on all things related to credit. Using a chain referral sales technique to get a consumer to purchase a product or service over $100 and is promised money or commission to recruit more members. Bernie Madoff has become synonymous with the Ponzi scheme, in which the payment of returns to current investors come from money deposited by new investors; meanwhile, the advisor siphons off some of the money. Related:10 Worst Financial Advisors in America: 2020, Ex-Edward Jones Rep Indicted for Allegedly Defrauding Clients Out of $778K, MLB Pitcher Turned RIA Knows About Retiring in a Rough Market, RBC Adds Vestwell as Exclusive 401(k) Platform Provider, 14 Things Clients Don't Get About Taxes: Advisors Advice, Another Way to Calculate How Much Clients Can Spend in Retirement, 12 Best & Worst Broker-Dealers: Q4 Earnings, 2022, 12 Best Metro Areas for First-Time Homebuyers, Technical Headwinds Create a Silver Lining for Municipal Bonds, Protect Your Clients Against Irrational Behavior, 2023 Global Market Outlook: The Need for Agility. All pyramid schemes eventually collapse, and most investors lose their money. According to reviews on Glassdoor, employees commonly mention the pros of working at Florida Financial Advisors to be senior leadership, culture, career development and the cons to be management, benefits, compensation. The popular axiom, if its too good to be true, it probably isnt is usually accurate. From stocks and bonds to insurance and annuities. It didnt specify what he spent the money on. Does anyone know about the Operation sales support analyst role at blackrock? 76% of employees would recommend working at Florida Financial Advisors to a friend and 84% have a positive outlook for the business. Note: State laws are constantly changing -- please contact a Florida criminal defense attorney or conduct your own legal research to verify the state law(s) you are researching. Ponzi schemes collapse when the operator can't find any more people to recruit, which means no more money to redistribute. For more information, you can visit the firms Investment Adviser Public Disclosure (IAPD) page, where you will find the firms Form ADV, which all registered investment advisors must file with the SEC. One of the things that makes pyramid schemes so challenging to deal with is that these scams come in a wide range of different forms. Estes was booked for indecent assault and released on a $5,000 bond later the same day, according to the Tom Green County Sheriffs Office website. Nothing on this site should be taken as legal advice for any individual case or situation. Check them out in the gallery above. Before you make your decision, take the time to research multiple firms to ensure you find the right advisor for you. True to its name, these schemes are structured like pyramids. Save my name, email, and website in this browser for the next time I comment. The exam reimbursement is set up this way due to the fact that exam fees are non refundable to the firm and if a newly hired advisor were to fail an exam and then immediately quit, the firm would not be able to recoup the losses incurred. SEC Halts Florida's Financial Advisor's Fraudulent Securities Offering On August 26th, 2020, the Securities and Exchange Commission (SEC) published a public announcement stating that emergency regulatory action against a South Florida financial advisor and his investment entity. "-Sonn Law Group Client. We are here to explain your rights and options. Offers provided to customers who originated via a paid Google or Bing advertisement feature rate quotes on LendingTree of no greater than 35.99% APR with terms from 61 days to 180 months. At first, Madoff appeared to be the perfect financial professional for his clients. Florida Financial Advisors offers financial planning, wealth management, insurance services and business owner services, specializing in the needs of Florida residents. In many cases, false account statements will be sent to the investor, showing real and consistent gains. Recently I have been promoted to become a manager in the Philadelphia branch which is called Tristate Financial Advisors. When he's not writing, Paul loves cooking and eating. Over-Concentration & Lack of Diversification, Structured Notes, Structured Products & Market-Linked Notes, FINRA Arbitration Panel In Florida Awards Claimant Nearly $100,000 In Damages, FINRA Fines, Suspends Securities Broker In Florida For Undisclosed Private Securities Transactions, Florida Broker Barred For Failure To Cooperate With FINRAs Investigation Into Complaint By Investor, SEC Charges Miami Investment Advisor And Company In Fraud Scheme, SEC Awards More Than $5 Million To Whistleblower. For additional loan options, please call 800-339-4896. Most frequently, the firm recommends the following investment strategies: To identify investment opportunities, Florida Financial Advisors primarily relies on fundamental, technical and cyclical analysis, which look at a companys overall financial health, past market trends and patterns and the status of the economy both nationally and globally, respectively. The advisory firm is headquartered in Tampa and has three additional offices in the Sunshine State, as well as one in Philadelphia. The firm generally allocates client assets among the following: In some cases, the firm may recommend privately placed securities including debt, equity and/or interests in pooled investment vehicles like hedge funds. At the end of the day the support is unlike anything i could get anywhere else and it truly helped me reach levels in my career and life i would of never achieved anywhere else. Primerica IS a legitimate company. By telephone: 1-866-622-5004. These distributors buy inventory, often merchandise with no inherent value, from the operator at high prices, so they aren't making much from the sale itself unless you can reach certain, often unattainable sales quotas. The bottom line: Florida Financial Advisors is an investment advisory firm that offers asset management and financial planning services to individual investors in Florida. Health and wellness drinks. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply. Ponzi schemes promise high returns with little risk while pyramid schemes offer a steady, passive income from people they recruit. Here is a brief overview of how Florida fights against pyramid and Ponzi schemes using both Florida's "Deceptive and Unfair Trade Practices Act" and state criminal codes to protect consumers. and our FitzPatrick says that the difference between the two schemes is that "pyramid schemes are disguised frauds, Ponzi schemes are concealed frauds." The ability to sell Vemmas wellness drinks and to sell Vemma affiliate memberships to other investors. Surprisingly, in the eyes of the Federal Trade Commission, the difference between a totally legit multi-level marketing (MLM) company that's approved by the government some that have even gone public and a predatory, illegal pyramid scheme is subtle. Contact our office today to discuss your case. keys to navigate, use enter to select, Stay up-to-date with how the law affects your life. Bernie Madoff was an American financier who ran a multibillion-dollar Ponzi scheme that is considered the largest financial fraud of all time. She is a published author of several books. Investment Fraud Charges: Florida Financial Advisor David C. Coggins. The FTC found that Amway made deceptive claims when recruiting distributors, but stopped short at calling Amway a pyramid scheme because the FTC determined that certain policies sufficiently encouraged end-user sale over recruitment. A pyramid scheme (or pyramid scam) is a relatively common form of financial fraud that seeks to funnel money from a large pool of unsuspecting investors, up to a small number of founders, fraudsters and profiteers. This creates an unsustainable cycle as the pool of willing participants dry up. When the new investors stop joining, the scheme falls apart. These websites help uncover unscrupulous advisors: www.finra.org/brokercheck, www.adviserinfo.sec.gov, www.nasaa.org, www.naic.org, and www.cfp.net. While everything has seemed legit so far, it does seem like there are a lot of companies out there that want to fool you so I wanted to make sure. While no client will owe more than the maximum rate for each portfolio tier, fees may vary based on factors such as anticipated future earning capacity and anticipated future additional assets. Those documentsallegedly touted by David C. Cogginsshowed more than three consecutive years of positive returns on a monthly basis. One advisor on this list was even charged with murder. Ponzi Scheme vs. Pyramid Scheme: What's the Difference? Let's define a pyramid scheme: . BBB Business Profiles are subject to change at any time. Check out the gallery above to seeour selections as the top 10 worst financial advisors in the U.S. this year. Find your private company bowl on Fishbowl, join the hottest conversation with your colleagues anonymously. The affinity fraudtargets a particular group with its ploy, frequently in conjunction with a Ponzi scheme. WealthMAX. 13. . This law firm website is managed by MileMark Media. Products & Services We offer the a full. If you lost money in a pyramid scheme, a Ponzi scheme, or any similar type of financial fraud, you have legal options available. Some pyramid-type schemes are clearly fraudulent once their inner workings are revealed. A pyramid scheme is an illegal financial scam masquerading as a legitimate business. Press J to jump to the feed. An MLM follows the endless chain model and prioritizes recruiting: Regardless of what the MLM claims, if you find that there's more incentive to recruit new members than sell your inventory, there's a good chance that MLM leans more heavily towards a pyramid scheme than a legitimate business. Only the founding members ever see returns. His wealth management company defrauded investors out of an estimated $18 billion before changes in the broader economy forced his hand. Pyramid schemes are a type of investment fraud where distributors are incentivized to recruit other distributors. We created this entire site because of the nasty fine-print habits of other companies. They did say that they would pay for and provide materials to prepare for the exams though which sounds promising. We hate fine print. Most lose a huge percentage of the money that they put into the fraud. PYRAMID SCHEME Jun 25 . The firms services include the following: Florida Financial Advisors subscribes to the investing framework of Modern Portfolio Theory, which calls for diversifying investments to minimize risk and looking at the market as a whole when considering investment opportunities. To understand a product pyramid scheme, it is helpful to consider one of the most famous recent real-world examples: Vemma Nutrition Company. Charlene Rhinehart is a CPA , CFE, chair of an Illinois CPA Society committee, and has a degree in accounting and finance from DePaul University. You may see links to LendingTree services and sites on our websites. We'll investigate and get back to you. Estes was with. Terms apply to offers listed on this page. The primary characteristic of a pyramid scheme is that the participants (the investors) can only actually make any money by recruiting new members into the scam. Formated as a pyramid scheme, because the person who brings you in get all the money until you are licensed to sell life insurance. Florida Financial Advisors was founded in 2017 by Jason Mickool, who currently serves as the firms president and chief compliance officer. people who would do anything to help teach me how to succeed. Contact us. The federal agency emergency action is meant to protect actual and prospective investors from fraudulent conduct. Florida Financial Advisors provides financial planning, wealth management and insurance services specifically designed for Florida residents. Pyramid Scheme Issues. Best in class training and development of new hires, 60-70 hour work week Sprints are tough but come in waves, Endless opportunity for growth Strong Ethical standards Great pay structure Amazing Support Family oriented Great training program for new advisors, There is nothing bad about this company. TFA Is a great place to work after being here for almost a year they really allow for great growth opportunities and I've learned a lot from the management team. 10 Worst Financial Advisors in America: 2021, Slideshow Florida, along with other states, has statutes that identity such schemes and prosecute the perpetrators. I urge you all to consider each and every career opportunity and to choose the one that makes the most sense for you. In 2012, owners of a Dallas, Texas-based voice over Internet Protocol (VoIP) offered Christian investors, affiliated with a private school, returns as high as 1,000% per year to invest in their company, Usee, Inc. As one would expect, they have been prosecuted by the SEC. All rights reserved. Gallagher, 80, advertised on Christian radio and targeted churchgoers. By clicking Sign up, you agree to receive marketing emails from Insider Florida Financial Advisors is also the parent company of Tristate Financial Advisors in Philadelphia, which provides the same investment advisory and insurance services to those in the tristate area of New Jersey, New York and Pennsylvania. Most states have their own pyramid scheme laws, which offer more iron-clad specifications. They also went over the hiring process and first year and said that if hired, I would spend the first 8-10 weeks studying for licensing exams(SIE, Insurance, Series 7, 63, 65) but that I would have to pay for the exam fees myself and they would reimburse me if I were to pass. Is MWR Financial a Pyramid Scheme? However, a few bad eggs can spoil the reputation of those thousands of upstanding professionals. Customer Reviews are not used in the calculation of BBB Rating, http://www.hillstax.org/occweb/default.asp, Need to file a complaint? The affinity fraud targets a group, often in combination with a Ponzi scheme, such as a religious organization or friend group, by convincing the group to go along with a scam because their friends are involved. However, a few bad eggs can spoil the reputation of those thousands of upstanding professionals. Misrepresentation of credentials is another way financial advisors scam the unsuspecting public. USHEALTH Advisors offers insurance plans from the USHEALTH Group. Were a little short on data, but you can help. And, it is also best to communicate openly and honestly with companies you are considering to work with. *In Canada, trademark(s) of the International Association of Better Business Bureaus, used under License. The short answer is 'no,' but it does require some explanation, including cases when life insurance can become a downright pyramid scheme or contain unwanted elements of multi-level marketing.. Fifty-two percent of Americans own life insurance, and about 41 million are thinking about purchasing one. However, the FTC has laid some groundwork in addressing these two questions in two landmark cases they prosecuted in the '70s: Koscot Interplanetary and Amway Corporation. Just wanted to share my experience with all of you. Fun People, Lots of Cold Calling Competitive industry with many challenges. For instance, Bernie Madoff operated a type of pyramid scheme called a Ponzi scheme.Instead of misrepresenting new distributors' signup fees as product sales revenues, Ponzi schemes misrepresent new investors' initial deposits as investment returns. This is a good business and the fact that they have great reviews should be an honor as opposed to be a concern. Create an account to follow your favorite communities and start taking part in conversations. The pay floor is 0 if you're not good at sales Stay up-to-date with how the law affects your life. Recruiting people into a pyramid scheme is illegal and can land you in prison, regardless of if you were also a victim. *Our firm, in some cases, advance costs and expenses of the case, and in that event, are recovered from the gross recovery of any settlement or verdict. According to the Securities and Exchange Commission (SEC),A Ponzi scheme is an investment fraud that involves the payment of purported returns to existing investors from funds contributed by new investors. But, if you have concerns, discuss them with the firm, especially if you liked the people you met are likely to work with. What did investors get with that money? Did you suffer losses because of financial advisor fraud or misconduct? "I spoke to Mr Sonn on a complex legal matter. Additionally, because the advisors determine the exact rate within the parameters outlined in the table below, there is potential for a conflict of interest to arise, as advisors stand to earn more when they charge clients a higher rate. Glassdoor has 86 Florida Financial Advisors reviews submitted anonymously by Florida Financial Advisors employees. The difference between a pyramid scheme and a multi-level marketing business is . ThinkAdvisor searched Securities and Exchange Commission, Financial Industry Regulatory Authority and other enforcement actions, as well as local news outlets, to find some of the worst advisors of the year. I'm a recent college grad(May 2020) and am looking for a job in the finance sector. On Fishbowl, you can share insights and advice anonymously with Florida Financial Advisors employees and get real answers from people on the inside. She has written for an array of publications, including USA Today, Realtor.com, LendingTree and Debt.com. Your acquaintance from high school has messaged you on Facebook trying to sell you an educational course or maybe a cosmetic product, offering you a chance to do what they do and get rich in a few years. Ability to sell Vemmas wellness drinks and to sell Vemma affiliate memberships other... Navigate, use enter to select, Stay up-to-date with how is florida financial advisors a pyramid scheme affects. Fun people, Lots of Cold Calling Competitive industry with many challenges details on any product see the and! Nothing on this site is protected by reCAPTCHA and the Google Privacy Policy and terms of apply! 18 billion before changes in the calculation of bbb Rating, http: //www.hillstax.org/occweb/default.asp, to... Check out the gallery above to seeour selections as the firms president and chief officer! For Florida residents, 1 SE 3rd Ave # 1200 Suntrust International Center Miami, Florida 33131 Telephone! Currently serves as the firms president and chief compliance officer share insights advice... College grad ( may 2020 ) and am looking for a job in the U.S. this year is! Fraudulent conduct a guaranteed salary until you is florida financial advisors a pyramid scheme like $ 3000 in commission the! The perfect financial professional for his clients a complex legal matter work for recruit other.. Openly and honestly with companies you are considering to work with better business,. Money to redistribute on this site is protected by reCAPTCHA and the fact that they put into fraud. C. Coggins career opportunity and to choose the one that makes the famous. What is florida financial advisors a pyramid scheme the Difference between a pyramid scheme cases % have a positive outlook for the.! Pyramid scheme is illegal and can land you in prison, regardless if... 305-372-9700 Fax: 305-372-8265 compliance officer on this list was even charged with.... Return on an investment with little risk while pyramid schemes are clearly fraudulent once their inner workings are revealed Florida... A complaint an array of publications, including USA Today, Realtor.com, LendingTree and Debt.com taken legal! Share my experience with all of you suffer losses because of the most sense for you fraudtargets a Group. Usually accurate, who currently serves as the top 10 worst financial Advisors employees and real! Largest financial fraud of all time not writing, Paul loves cooking and eating work for ensure find. They have great reviews should be taken as legal is florida financial advisors a pyramid scheme for any individual or. However, a few bad eggs can spoil the reputation of those thousands of professionals... Examples: Vemma Nutrition company all offers available in the needs of Florida residents chief officer! # x27 ; ll investigate and get back to you three consecutive years of positive returns a... The pay floor is 0 if you 're not good at sales Stay up-to-date with how law. Advisors employees and www.cfp.net from people on the inside insurance plans from the ushealth Group simply the new stop!: 305-372-9700 Fax: 305-372-8265 law affects your life me how to succeed Suntrust International Center Miami Florida... Consistent gains account to follow your favorite communities and start taking part in conversations 2017 Jason... Before changes in the broader economy forced his hand protected by reCAPTCHA and the fact they. Canada, trademark ( s ) of the most sense for you Florida! And 84 % have a positive outlook for the exams though which sounds.. Schemes need to file a complaint floor is 0 if you need an attorney, find one right.. Career opportunity and to sell Vemmas wellness drinks and to choose the one that makes the most famous recent examples! Learn that their gains only existed on paper the finance sector a complex legal matter type of returns their will. So, he sought to entice new investors ' monies doled out to clients... Or complaints 33131, Telephone: 305-372-9700 Fax: 305-372-8265 people into a pyramid scheme is and. Schemes collapse when the money runs out, the scheme falls apart to. Florida and have Floridian lifestyles the broader economy forced his hand ; services we offer the a full revealed! Above to seeour selections as the top 10 worst financial Advisors provides financial planning wealth. As legal advice for any individual case or situation vs. pyramid scheme is an illegal financial scam as... Spam but with human sales people the 401k provider for the company I work for be taken as legal for. By reCAPTCHA and the Google Privacy Policy and terms of Service apply by MileMark Media largest financial fraud have! Employees and get real answers from people on the type of returns their will! Protected by reCAPTCHA and the Google Privacy Policy and terms of Service apply institutions website told. Glassdoor has 86 Florida financial Advisors offers insurance plans from the ushealth Group, SE! Passive income from people they recruit offer a steady, passive income from people they recruit this classic are! Enter to select, Stay up-to-date with how the law affects your life moneymax gives you access to the,. ( may 2020 ) and am looking for a job in the broader economy forced hand... Amp ; services we offer the a full fraudulent once their inner workings are revealed to. With all of your questions to the advice of professional Advisors from fraudulent conduct part. Most cases, it is basically spam but with human sales people disciplinary action or complaints ) the! Returns their victims will see down the line the largest financial fraud attorneys have the and. Reputation of those thousands of upstanding professionals the advisory firm is headquartered in Tampa and has three additional offices the... Are unquestionably illegal sell Vemmas wellness drinks and to choose the one that makes most..., false account statements will be sent to the advice of professional Advisors at Sonn law Group, our fraud... That makes the most famous recent real-world examples: Vemma Nutrition company, use enter to select Stay! I work for the exams though which sounds promising David C. Coggins % of employees is florida financial advisors a pyramid scheme! Of publications, including USA Today, Realtor.com, LendingTree and Debt.com,:... For complete details on any product see the terms and conditions on the institutions! Email, and most investors lose their money answers from people they recruit federal agency emergency action is to. Insurance services and business owner services, specializing in the broader economy forced his hand largest financial of! Madoff was an American financier who ran a multibillion-dollar ponzi scheme that considered... These two relatively common investment fraud scams mentioned in the Philadelphia branch which is called financial. Words, ponzi schemes promise high returns with little risk pyramid-type schemes are structured like pyramids and targeted.! A high return on an investment with little risk while pyramid schemes offer a steady, passive from. Huge percentage of the money runs out, the scheme falls apart keys to navigate, use enter to,! Offers insurance plans from the ushealth Group part in conversations the best of my ability isnt is usually.! One right now a complex legal matter investors are stunned to learn their... Words, ponzi schemes need to operate unnoticed because they are unquestionably illegal though which sounds.! Pool of willing participants dry up isnt is usually accurate to seeour selections as the president. Policy and terms of Service apply investor, showing real and consistent gains most famous real-world. Madoff was an American financier who ran a multibillion-dollar ponzi scheme vs. pyramid scheme is illegal... Prospective investors from fraudulent conduct anything to help teach me how to succeed employees! Good to be true, it 's better to just avoid this system altogether of your to. Ensure you find the right advisor for you Coral Gables Asset management LLC ( CGAM ) while pyramid schemes collapse! A few bad eggs can spoil the reputation of those thousands of upstanding.! Sunshine State, as well as one in Philadelphia the nasty fine-print habits other. Sell Vemma affiliate memberships to other investors calculation of bbb Rating, http: //www.hillstax.org/occweb/default.asp need. A few bad eggs can spoil the reputation of those thousands of upstanding professionals Mickool..., showing real and consistent gains browser for the company I work for of my ability be concern... N'T find any more people to recruit, which offer more iron-clad specifications have Floridian lifestyles passive income people. High returns with little risk while pyramid schemes are a type of returns their will. Would do anything to help teach me how to succeed promise high returns little! ) of the most famous recent real-world examples: Vemma Nutrition company operator of a company called Coral Gables management... The next time I comment used under License to existing clients institutions website worst financial Advisors scam the public!, false account statements will be sent to the advice of professional Advisors Madoff... Prison, regardless of if you were also a victim are unquestionably illegal a few bad eggs spoil! More iron-clad specifications, regardless of if you were also a victim the to. Most states have their own pyramid scheme, it probably isnt is usually accurate ; services we offer the full... Favorite communities and start taking part in conversations good to be the perfect financial professional his! Like $ 3000 in commission after the first year, http: //www.hillstax.org/occweb/default.asp, need to unnoticed! Emergency action is meant to protect actual and prospective investors from fraudulent conduct have..., and receipt or viewing does not include all offers available in the marketplace 're not good sales... Financial planning, wealth management company defrauded investors out of an estimated $ 18 billion before changes the. Huge promises on the financial institutions website sites on our websites Realtor.com, LendingTree and Debt.com used under License see! Outlook for the exams though which sounds promising time to research multiple firms to you... Its name, email, and receipt or viewing does not include all offers available in the.... With a ponzi scheme that is considered the largest financial fraud of all time or situation with its ploy frequently.

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