They are coming for your car. An insurance insider speaks out.

From NOT A LOT OF PEOPLE KNOW THAT

By Paul Homewood

h/t Dave Ward

If even a tenth of this is real, it’s a scary prospect:

As Geoff says – “How else could this be used, who are the people that are going to be using it, and do we trust them?”

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Streetcred
December 6, 2023 10:09 pm

The way things are, EVs will be uninsurable very soon .

Graemethecat
Reply to  Streetcred
December 6, 2023 10:21 pm

I wish that were true. Unfortunately, the State will merely push the cost of EV insurance onto owners of ICE vehicles, enforcing the changeover to EVs.

Dennis Gerald Sandberg
Reply to  Graemethecat
December 6, 2023 11:05 pm

Correct. If the insurance industry attempted to set BEV rates according to the risk the tyrannical government would punish them with frivolous lawsuits and punitive regulations. They would get the Big Oil/Big Trump Treatment and most voters would think, “serves them right”. Wokeness.

michel
Reply to  Graemethecat
December 7, 2023 12:21 am

Don’t think so. Not how insurance operates. And very hard to implement. Imagine you have an insurance company which only insures ICE cars. Which is happening already. Then what? Is the government to set the rates it can charge? Then decide how much of its profit on the new high rates is due to not insuring EVs, and somehow confiscate it? Its a competitive market with lots of players. Very hard to see how transferring costs would work.

More likely is what we now are seeing, very high EV rates, and also restrictions on use, so that where you can park an EV, or their carriage on ferries or train transport, are restricted. And this, together with the failure of EVs to meet many of the current ICE applications, leads to consumer resistance, people keeping their old cars or doing without them, and so total car sales and ownership fall.

One can imagine local authorities restricting entry of ICE cars, restricting parking for them too, charging for access as in the London ULEZ. This would also change the cost benefit picture for car ownership. Behavior will change, because the incentives are going to get quite sizeable as the various piecemeal moves and measures work their way through.

DavsS
Reply to  michel
December 7, 2023 4:44 am

The ecoloons intend car ownership to fall, no-one should be under any illusion about that.

We’ve already experienced government meddling in the setting of insurance rates, courtesy of EU equalities rules which prevented sex being taken into account when setting motor (and other?? – don’t know) insurance rates (the UK could scrap this rule, of course, but any bets on that ever happening?). It is inevitable that ICE car owners will have to carry some of the cost of high insurance payouts for EVs in their premiums – if an ICE driver is the liable party in an ICE – EV collision then the ICE driver’s insurance company is on the hook to carry the cost. It can only get worse as the numbers of EVs increase.

hiskorr
Reply to  michel
December 7, 2023 6:06 am

Regarding your first paragraph, just remember how Obamacare changed the nature of health insurance. It established a government-directed marketplace for insurance, complete with mandated coverage at specified prices. Never underestimate the ability of Socialists to muck up a market.

MarkW
Reply to  michel
December 7, 2023 8:51 am

You would only need two regulations.
The first would require insurance companies to insure EVs.
The second would require insurance rates to be based solely on purchase price.

Dennis Gerald Sandberg
Reply to  michel
December 7, 2023 9:20 am

Very logical. Dead on arrival. Free markets are a delusion when governments have no ethics. See Jan6 and the framing of Trump. We’ll all share in the added expense. Hopefully, the BEV fad will fade before it gets too much worse.

scvblwxq
Reply to  Dennis Gerald Sandberg
December 7, 2023 10:28 am

Trump can always switch back to being a big-time Democrat if he thinks the charges are politically motivated.

GiraffeOnKhat
Reply to  Streetcred
December 7, 2023 4:00 am

If EVs become uninsurable, then so will ICE cars. Just a tap into an EV could set it off with ££££££ repair costs, or cause a delayed conflagration.

observa
Reply to  Streetcred
December 7, 2023 5:32 am

Won’t matter as there won’t be enough folks with jobs to buy them even the cheap coal fired ones from China-
Germany’s budget crisis leaves struggling solar industry in limbo (msn.com)

Richard Page
December 6, 2023 10:38 pm

Just because you can do something does not mean that you should do it.

Ian_e
Reply to  Richard Page
December 7, 2023 1:27 am

Yes – but try telling that to your MP: personally I have given up as bashing one’s head against a brick wall gets tedious.

Phil R
Reply to  Richard Page
December 7, 2023 4:11 am

Just because they shouldn’t do something doesn’t mean they won’t.

michel
December 7, 2023 12:11 am

Watched the piece on youtube so you don’t have to.

Overheated, unevidenced paranoia. There is this alleged memo from an alleged insurance company insider alleging all these alleged secret plans. The insurance companies are supposed to be conspiring with government departments, including the military. The idea of this mass conspiracy is… to track and control the travel of the entire population. This is all supposed to work with the European digital ID card, and with new drivers licenses that will incorporate smart radio technology so that insurers and government can track everyone’s location and trips.

The only problem might be all those old generation cars out there with none of the tracking technologies in them. Ah, but there is an answer to that, the plan is to force everyone to buy new cars by withdrawing insurance cover from their old ones. Then those that cannot afford the new cars will be carless, and that is part of the plan too, because one of the aims is to reduce car ownership.

Wait a minute. If the aim is to reduce car ownership and use, how do we track all those people who don’t have cars? Ah, now you are seeing the depth brilliance of this spider’s web of plots. Its clearly all connected to the 15 minute neighborhoods. Confine everyone to a tiny area, and then track them when the few who can afford it leave to shop at Waitrose.

[The author does not yet connect his ravings to the 15 minute neighborhoods idea. But as you can see, the style lends itself to that kind of extension and one is sure he’ll get to it pretty soon.]

Just ask yourself some basic questions. Who is the alleged author? What supporting evidence is there for there being such an insurance company plot? What evidence is there of the alleged links between the insurance companies plotting this to government departments? What evidence is there of links to the military? Why the military? What evidence is there of any plan to reduce car ownership? The answer to all these questions is none. Or none that the author has chosen to cite.

There is a forced move to EVs underway, and it is going to have some very far reaching economic and social consequences, it hasn’t been thought through at all in any of the jurisdictions where it is under way. It will likely reduce car ownership and use, though because of much simpler things and measures than this alleged conspiracy. It will be an unintended consequence, not one of the objectives. The real failure of policy on this is to think you can just switch out technologies and carry on as now. You cannot.

But this paranoid rant isn’t particularly about EVs, which are the main focus of political attention right now. This is about an alleged large scale plot regarding car travel, which could be implemented on any vehicle technology.

I look forward to the next installments which will connect the 15 minute neighborhoods to this terrible plot, and will track the origins of the conspiracy to the Bilderberg Group and the Knights Templar and George Soros.

Richard Page
Reply to  michel
December 7, 2023 12:25 am

Do you have a mobile phone? You know your phone is sending tracking data all the time and yet you discount the possibility that your car will do the same. If you believe that no-one wants to use your data then you are mistaken, it’s big business.

michel
Reply to  Richard Page
December 7, 2023 1:10 am

Yes, of course phones track, have to. And all cars could be made to track in exactly the same way by using the phone masts. And of course behavioral tracking can produce commercially valuable information.

That’s not the main argument of the piece however. The main argument comes from connecting all the technological possibilities with the alleged nefarious aims of the insurance, governmental, military establishments, and the hole is this alleged memo, which is not shown, written by an alleged insurance insider, who is not named, neither is his company. And then its connected to these alleged plans to link driver licenses via RFID to insurance company real time databases…

Where’s the evidence? There is none, at least none cited. Without that its paranoid ravings.

Ian_e
Reply to  michel
December 7, 2023 1:30 am

Your faith in TPTB is very touching.

michel
Reply to  Ian_e
December 7, 2023 2:44 am

I don’t have much faith in the powers that be – I just want to see some evidence besides a rant based on an alleged memo from an alleged insider at an alleged insurance company, where they are supposedly engaged in an alleged plot in cahoots with government and the military. Some evidence other than that some guy on youtube says he has seen this note.

It has all the hallmarks of JMSU [just making stuff up]. All over both youtube and the Internet.

Leo Smith
Reply to  Ian_e
December 7, 2023 3:20 am

I suspect he has as little faith in TPTB as he has in demented conspiracy theorists, VAXXERS, CHEMTRAILERS, left wing Marxists. and Vladimir Putin.
The only conclusions any sane person can come to is that the vast majority of what is written and said is outright lies, and the very little that isn’t is criminally misinformed.

We should consider replacing IT with DT – Disinformation Technology.

Richard Page
Reply to  michel
December 7, 2023 2:49 am

Phones do not ‘have to’ track – they do track and provide marketing data but it isn’t essential to how a phone works. The fact that the phone/software providers have added these ‘extras’ and the extensive marketing data that the apps generate should give you pause for thought – if they can do this with a phone, why not a car, why not a chip in your licence, why not? Nobody stopped them doing it with the phones so why shouldn’t they go much further?

CampsieFellow
Reply to  Richard Page
December 7, 2023 3:23 am

I stopped using my Tesco Club Card once I discovered it was being used by Tesco to sell my personal information (what I buy) to third parties.

scvblwxq
Reply to  michel
December 7, 2023 10:35 am

Here in the US, they seem to catch highly wanted criminals exceptionally fast these days. Maybe it’s because they carry their phone or because they use their old tracking data to find their friends, relatives, and other contacts.

michel
Reply to  Richard Page
December 7, 2023 3:12 am

We replaced our TV a couple of years back. The new one is a smart tv, pretty much the only sort you can buy now, which encourages you to connect it to the Internet, at which point it sends information about everything you do with it to a server in Ireland which is owned by a company based, or at least registered, in Turkey. Smart TVs installed all over the country are undoubtedly doing similarly. So I have not connected it. Been meaning to lock down its net access using the firewall but never got around to it.

Tracking is obviously going on. Strativarius points out that the Oyster Card system on the London Underground allows tracking and storage of trip data. Obviously our net usage is liable to be tracked, and not just by Google. Who appear to collect significant amounts of data from gmail as well as searches.

That’s not the question raised by the piece. All the examples above are fragmented, companies collecting bits of info they think they can use or monetize. That’s not what the piece alleges, and not what I am skeptical about. The allegations are of a sort of EU wide (at least) plot involving insurance companies, government and military which goes way beyond even centralized tracking of travel into chipping driving licenses and giving cars instant access to a sort of centralized database…. And then using the information collected in various coercive ways.

Maybe this is happening. We just need more evidence for it than some guy on youtube claiming to have a note describing this from an anonymous supposed insurance insider. Its not even specified which country this guy lives and works in. Where is the text of this note even? You can find all kinds of wild fantasies of this sort on the net. What distinguishes investigative journalism from paranoia is evidence. He has produced none.

Richard Page
Reply to  michel
December 7, 2023 3:36 am

Really? Fragmented? All insurance companies share data between themselves already. Your data. What car you own, car history, accidents involved in and all claims made. The data is not fragmented at all and if you really think it is then I shudder to think just how naive you must be. Also you have made wild claims about the military being involved without it ever being mentioned in the original post or video – I don’t think you understood what was being said. If the point was about the ‘politically exposed’ comment and shutting down the car, I would refer you to the recent Farage incident where he was deemed to be ‘politically exposed’ and his bank account was shut down, by his bank, not the military, the government or the police, his bank. I think you are gravely mistaken as to how far this has gone already and how far it might go if left unchecked but I respect your right to have your say. Which is more consideration than you would likely get elsewhere.

Trying to Play Nice
Reply to  Richard Page
December 7, 2023 4:27 am

The automakers would love to track vehicles real-time, but it’s for marketing reasons, not nefarious reasons.

MarkW
Reply to  Trying to Play Nice
December 7, 2023 8:59 am

What benefit do automakers gain from knowing where and when you drive?

MarkW
Reply to  Richard Page
December 7, 2023 8:56 am

Many cars already come with GPS guided driving directions. Adding the ability to transmit that data to a central authority would be trivial.

strativarius
Reply to  michel
December 7, 2023 1:38 am

“”how do we track all those people who don’t have cars? “”

Simple. Oyster cards, even plastic etc

https://oyster.tfl.gov.uk/oyster/entry.do

Bil
Reply to  michel
December 7, 2023 3:04 am

Michel, I actually work in this industry – connected devices, web3, DID, blockchain ledgers. It is here today.

CampsieFellow
Reply to  michel
December 7, 2023 3:20 am

Just ask yourself some basic questions. Who is the alleged author? What supporting evidence is there for there being such an insurance company plot? What evidence is there of the alleged links between the insurance companies plotting this to government departments? What evidence is there of links to the military? Why the military? What evidence is there of any plan to reduce car ownership? The answer to all these questions is none. Or none that the author has chosen to cite.
Just as well UK military intelligence didn’t take the same approach when they were given details in November 1939 of German developments in military technology contained in documents that became known as the Oslo Report. All the details proved to be correct and gave the British advance warning of several previously unknown developments in German military technology.

prjndigo
Reply to  michel
December 7, 2023 3:38 am

You’re literally talking shit. The author has about 900x the credibility and creedence that you presume you have.

Geoff’s been busting the EU and UK’s balls over crap precisely like this for years upon years. What he’s talking about is precisely what Progressive and other companies have been using as an “offer” for years. (they’ve been using a plug that can also kill you car as it runs on the diagnostic port and draws power)

DavsS
Reply to  michel
December 7, 2023 4:58 am

The key reason for tracking cars is is to enable pay-by-the mile. It’s already being planned for London. We know the intention of ecoloons is to reduce car ownership; just look up one of the estimates of the raw material resources required to replace ICE cars with EVs on a 1:1 basis – it doesn’t compute. As for conspiracy theories – go and look up what the forefathers of the EU intended, it’s working out pretty well for them so far.

Tom Johnson
Reply to  michel
December 7, 2023 6:09 am

I got about halfway through and quit, so thanks for completing the video. I agree that most of it is hyperbolae. As a driver of old cars (25 to 5 years old) I’m somewhat insulated from much of this. I might need to add a faraday pouch for my cell phone, though, or leave it at home.

It’s notable, though, that I got an email from my insurance company a couple of months ago. They offered a ‘Discount plan’ that would reduce my premiums if they could monitor my driving (presumably in the newest of the 5 cars, since the others don’t have the technology). With this plan, they would monitor my brake applications, and reduce my insurance rate if they observed minimal “unsafe” brake decelerations. I assumed that they would also ‘monitor’ my respect for speed limits. I declined their generous offer.

JBP
Reply to  michel
December 7, 2023 8:17 am

fine. then answer these questions honestly:

  1. would clauss schwabb/WEF view these developments favorably?
  2. would EU bureaucrats view it favorably? Western politicos?
  3. does the ruling class like to accumulate power?
  4. do the sheeple abdicate freedom for convenience?

if the answer to the 4 above is yes, what happens next? You know it, i know it, anyone with half a brain knows it. IT HAPPENS.

More Soylent Green!
Reply to  michel
December 7, 2023 12:47 pm

In the US, we pay for roads with taxes on gasoline and diesel fuel. How will we pay for roads as more and more people switch to EVs? You can try adding road taxes at the recharging stations. Would you add that to home chargers, too? How about people who slow-charge on a normal AC outlet?

If you guessed the solution is to track every mile you drive in an EV, you win a dollar. Yes, they will track your EV. They will track were you drive and when. You will get a bill in the mail, or maybe they will just take it directly from your account.

Richard Page
December 7, 2023 12:28 am

Hmm. Actually I do think that some people are trying to set this up. However, given the failure of the track and trace system during COVID, I have far less confidence that they will succeed.

GeorgeInSanDiego
December 7, 2023 12:56 am

The greater the percentage of EVs on the road the higher everyone’s insurance premiums goes.

atticman
Reply to  GeorgeInSanDiego
December 7, 2023 1:16 am

That seems to be happening already – my premium was up 40% when I renewed this year, and this for a 15-year-old ICE vehicle!

CampsieFellow
Reply to  atticman
December 7, 2023 3:25 am

My ICE car is only two years old and my insurance company wanted to raise my premium by 20 percent.

More Soylent Green!
Reply to  CampsieFellow
December 7, 2023 12:48 pm

I did that!

~joe biden

Trying to Play Nice
Reply to  atticman
December 7, 2023 4:32 am

My insurance company charges more for my old beater than for my expensive new car. Apparently they think a vehicle over 10 years old is more liable to be in an accident, even with the same driver.

atticman
Reply to  Trying to Play Nice
December 7, 2023 4:57 am

But my premium had been steadily decreasing for some years as it got older and worth less (= cheaper to replace). I already had maximum no claims bonus so it wasn’t that that brought the premiums down.

Philip Mulholland
December 7, 2023 1:46 am

Everyone should follow Geoff Buys Cars.

Right-Handed Shark
December 7, 2023 3:05 am

Slightly o/t, but:
Buy an E-bike instead! All the convenience of motorized transport, no need for insurance! (a little expensive to run at nearly $1000 a minute though)

Drake
Reply to  Right-Handed Shark
December 7, 2023 7:38 am

Funny how little this guy knows about the danger of lithium batteries.

He walks through the toxic outgassing multiple times and tries to blow the smoke to cool off the “overheated” battery.

But he then lights a cig toward the end. So not much fear of breathing toxins.

And he mentions going 35 mph max when his go pro video shows over 40 mph multiple times.

$6 k for ebike, priceless. As Forrest said, stupid is as stupid does.

Tony_G
Reply to  Drake
December 7, 2023 8:46 am

Not just him, Drake. Did you read any of the comments?

Richard Page
Reply to  Tony_G
December 7, 2023 5:42 pm

Yeah, hilarious. But the fire in this case looks to be because of a well-known problem with the manufacturer’s battery design, or lack of.

Kit P
Reply to  Right-Handed Shark
December 8, 2023 11:34 am

Too funny!

I watched a subsequent video by a fire safety guy. The funny part was the add for solar PV.

Peter C.
Reply to  Right-Handed Shark
December 11, 2023 7:47 am

“That can’t be good” ” It’s just overheated” lol

Peter C.
Reply to  Right-Handed Shark
December 11, 2023 7:52 am

Could have bought a Yamaha XT250 for that money.

UK-Weather Lass
December 7, 2023 3:20 am

The problem with AI [sic] and lining up all the bots doing this work of knitting stuff together for the purpose of denying certain ‘miscreant individuals’ is that, like dominoes, the processes will collapse one by one because just one individual’s logic picture eventually confounds with another logic picture of the same individual and nobody will be able to stop the knock on and knock over effect before the whole internet is wasted.

We have the nasty people behind the whole idea of denial of freedom of choice but we also know these nasties are none too bright when it comes to implementation (exploding EVs, crippling vaccines).

It’s the same old joke with the punch line nothing can go wrong … go wrong .. go wrong …

Tim Gorman
December 7, 2023 3:34 am

Don’t want to be tracked by your ell phone? Turn it off except when you are using it. The idea that you need to be instantly accessible is a marketing meme that has completely subsumed the populace. Need to check your email and message while on the road? Find a place with public wifi (kind of like pay phones used to be) and use it with your phone with the cellular turned off.

Tony_G
Reply to  Tim Gorman
December 7, 2023 8:52 am

While I can’t confirm this, I have often heard that they’re still connected and can be tracked even when “turned off”. It’s at least somewhat believable since most electronic devices never fully turn off anymore. The advice used to be “remove the battery” but that’s no longer an option on most of them.

If you really don’t want to be tracked, just don’t take it with you. There’s these things called “maps” where they print diagrams of roads and stuff on paper that you can take with you to find your way.

More Soylent Green!
Reply to  Tony_G
December 7, 2023 12:53 pm

My phone is off when it’s off. It can’t be tracked. But as soon as it’s turned on, whether connect to a mobile network of WiFi, it sends a lot of data to Google and other companies. If you’re connected to public WiFi, your location is traceable through that, too.

How many apps have you given permission to send and receive your location, view your photos, use the microphone, etc., etc? Supposedly, they only do with when using the apps, but can you be sure of that?

You can’t stop being tracked with any smartphone.

Tony_G
Reply to  More Soylent Green!
December 7, 2023 2:32 pm

Supposedly, they only do with when using the apps, but can you be sure of that?

Keep in mind that “using” also included while they’re running in the background. That’s the part they don’t tell you. (I’ve written apps, it’s not even an option to disable location services when the app is backgrounded)

Bob Rogers
Reply to  Tim Gorman
December 7, 2023 9:35 am

As if “they” don’t know where the routers are located.

It would only potentially work if you used VPN, which would make it look like you were located wherever the VPN server is located. Unless “they” got access to the server’s logs.

More Soylent Green!
Reply to  Bob Rogers
December 7, 2023 12:55 pm

Years ago, the rumor was the NSA actually operated all those anonymous servers in Scandinavia. They knew who you were the moment you connected, or so the story went.

Leo Smith
December 7, 2023 3:35 am

It is clear that TPTB have realised that the price and scarcity of both hydrocarbon fuels and lithium for batteries will result in a population that needs to be conditioned not to use private transport at all. They, of course, will have their ‘ZIL lanes’ so they can move freely to their private jets to attend the next ‘climate conference’.
As the value of the input and labour of ordinary people becomes valueless in an age of robots and AI, there is simply no reason to pander to their sensibilities with anything resembling democracy. Russia. The EU, the USA. The difference is only in the window dressing and how far along the totalitarian route they are.

GBU.png
GiraffeOnKhat
Reply to  Leo Smith
December 7, 2023 4:03 am

There is no obvious evidence that hydrocarbons are running out or becoming astronomically expensive other that when hit by supply and demand shocks.

If it happens it will self correct, and people will adjust themselves to the raised pricing albeit with much pain.

Adding additional governmental regulation into the mix will not help anyone other than bureaucrats and those in the loop with them.

scvblwxq
Reply to  Leo Smith
December 7, 2023 10:46 am

The Grand Solar Minimum has just started. The last one was in the Little Ice Age. If this one is like the last one it will probably stop their plans.

Richard Page
Reply to  scvblwxq
December 7, 2023 5:45 pm

Dark age not LIA which was the Maunder and Dalton minima.

Nik
December 7, 2023 4:33 am

The entire scheme reads like it would be an unconstitutional (in the US) violation of the 4th Amendment. (This, of course, assumes the 4th Amendment hasn’t been repealed.)

Peta of Newark
December 7, 2023 5:17 am

He’s reciting a comment (all my own work) I made, into here, 2 or 3 years ago.

JBP
December 7, 2023 8:10 am

wow, what a conspiracy nut. it is not like any of the other 45 conspiracies like this came true.

Mr Ed
December 7, 2023 8:56 am

Chilling piece.

Rob Kauffman is a high level car guy and also is involved with insurance at a high level..

https://www.rkmotors.com/our-story

https://corporate.hagerty.com/

Andy Pattullo
December 7, 2023 10:39 am

It’s hard to predict how far this type of plan can go and “succeed” but the idea of it should be considered very dangerous. I still believe that people are inherently ungovernable unless they want to be governed and that no power can rule a group of people unless they are improving those people’s lives. Yes there have been and still are autocratic governments who make the lives of people they govern a living hell, but their time is always limited and over the course of human history more democratic and intelligent governments have thrived while despotic ones have failed repeatedly.

The plan described is exactly the type of thing those despotic governments would come up with and think a good idea. I can’t predict when or how it will fail miserably but I retain a perhaps irrational certainty that it will. Central planning is roughly equivalent to dedicating your adult life to helpfully letting your partner know on a daily basis what his/her faults are in your considered opinion. It may work for a day or two but you might as well start estate planning today.

More Soylent Green!
December 7, 2023 12:42 pm

Of course “they” aren’t coming for your car. They are just going to make cars so expensive and so rare you can’t afford to buy one if you can find one for sale.

You will able to keep your car if you want, too. You just won’t able to find gasoline to fuel it or afford to buy it if you can.

But “they” aren’t coming for your car. You can park it out back and live it. You won’t own anything else and you will be happy about it.

Edward Katz
December 7, 2023 2:00 pm

Despite the gloom&doom forecasts, I maintain that any government that proposes banning private car ownership won’t even come close to being elected. The Greens aren’t far from advocating private vehicle restrictions or even bans, and look how they consistently bring up the rear in elections at all levels.

David S
December 7, 2023 2:30 pm

Once again the solution is Trump 2024

Kit P
December 8, 2023 11:53 am

My car, boat, and home insurance is an association. I am an associate and get a rebate based on overall claims. This association is primarily open to military officers who took an oath to defend the US Constitution.

One thing I am not worried about is the sky falling. The second thing I am not worried about is the governor on Califonia telling me what kind of car I can buy.

While I defend free speech, there is federal prison cell earmarked for those who confuse free speech with extortion.

Jeff Alberts
December 12, 2023 8:05 pm

It’s amazing how many narcissists there are making videos. They put their face on the front, as if it’s about them. The actual subject is secondary. Pathetic.

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