Educate Yourself To Amazing Car Finance

By , September 28, 2017 6:56 am

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When it comes to making a car purchase, paying for it is a big part of the battle. Even mid level new cars run into the $20,000 range. Because of these prices, few people pay cash for cars anymore and statistically about 7 out of every 10 people use car finance to pay for their new vehicle. In order to get the best car finance possible, you need to understand how the whole process work.

First, you want to figure out where you are going to get your car finance. There are a …

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When it comes to making a car purchase, paying for it is a big part of the battle. Even mid level new cars run into the $20,000 range. Because of these prices, few people pay cash for cars anymore and statistically about 7 out of every 10 people use car finance to pay for their new vehicle. In order to get the best car finance possible, you need to understand how the whole process work.

First, you want to figure out where you are going to get your car finance. There are a number of institutions that can get you financing. Banks, credit unions, the dealership, or even auto manufacturers can provide financing for your new or used vehicle.

Second, with a car finance, you need to realize that whether you buy a new or used vehicle will affect your financing. As a general rule, interest rates will be lower on new cars than on used ones. Also, new cars can often qualify for financing over a longer period of time than can used cars.

Next, when it comes to our car finance, don’t believe everything you see or read. Commercials for special financing for those who are first time buyer or have bad credit abound in papers and on the television. These are usually a little too good to come true and come attached with requirements such as extra high down payments and extremely high interest rates. In some cases, both apply to the loan.

Before you go to get your loan, make sure you know about your own credit history. Get a copy of your credit report and go over it with a fine toothed comb. Look at the score as well as the payment histories on it. If anything at all looks incorrect, make sure you get it cleared up. When a lender looks at how much money to give you, they will check out your debt ratios, how long you have been at your job, your history with similar loans, and your credit report as a whole.

Once you are armed and ready to consider your car finance, shop around. It is usually a good idea to look for the financing before you buy the car. You will better know what you qualify for that way. Also, you can use your information to bargain further with the dealer. In order for them to finance your car, you should ask them to beat the rate you have from wherever else you have looked.

Remember that everything is negotiable. Just because the car finance rate you got is pretty good, it doesn’t mean that you have to pay what they ask. Negotiate the rate of your loan, the price of the car, or anything else you can talk to them about. It can’t hurt and you could save yourself a lot of money that way. As the process goes on, don’t get caught up in the numbers. The dealers will try to give you monthly payment numbers only so that you don’t notice any added charges. However, sit down with a calculator and just figure out the payments yourself and you will have nothing to worry about.

Always know that car financing may seem complicated, but it doesn’t have to be. Educate yourself, shop around, and make sure you know what is going on and you should have no problem. Better yet, you will find yourself with a great new or pre-owned automobile.

Are You Looking for a Luxury Car? Consider the Cadillac CTS

By , September 25, 2017 9:21 am

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There are going to be some who see the name Cadillac and initially dismiss it as a brand that their parents or grandparents might drive. But those who understand a need for speed, luxury styling and a manual transmission will tell you that the Cadillac CTS and CTS-V has everything the savvy shopper and driver may want to find in a vehicle.

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Sometimes it seems that a car is far more than just a car. Talk to someone with a Land Rover and they’re sure to tell you that their vehicle is much more than just a Jeep, while Jeep drivers will tell you that their vehicles are a way of life.

Turn on the TV and you’re likely to hear that when you’re looking for a long-lasting vehicle, you should turn to a Honda, and if you’re looking for quality, you should consider buying a Toyota.

Similarly, many will tell you that if you are looking for a luxury ride, if you’re looking for vehicle that’s high on both class and style there’s only one option: you’ll have to get yourself a Cadillac.

There are going to be some who see the name Cadillac and initially dismiss it as a brand that their parents or grandparents might drive. But those who understand a need for speed, luxury styling and a manual transmission will tell you that the Cadillac CTS has everything the savvy shopper and driver may want to find in a vehicle.

First, there’s the Cadillac CTS engine – a 2.8-liter dual overhead engine with an output well over 200-horsepower – that will get you started in a hurry as soon as the light turns green or when the freeway traffic eases up.

Then there’s the interior. Proving once again that the Cadillac CTS is far from a traditional Caddy with a more youthful feel, the CTS has comfortable leather seats, an easy to navigate dash and an absence of the wood trim that many younger drivers feel is out-of-place in an automobile.

Instead, the Cadillac CTS focuses on all of the features that younger drivers are looking for – quality, luxury, responsive power, and best of all, speed. Drivers and passengers of the Cadillac CTS will find that there’s plenty of space in the front and rear seats. They’ll find that climate control is a breeze in the CTS – with all of the controls easy to access and use.

Most importantly, they’ll find that they have easy control over a high-quality stereo system – a system that is iPod friendly, making it easy to keep the stereo playing your favorite tracks whether you are driving across town or across the country on a road trip with friends.

Equally handy for those who are taking long road trips is the navigation system that is optional on the Cadillac CTS. With GM’s OnStar system, you’ll find street maps, hear turn-by-turn directions along with distances, and be able to plan the best route for getting to where you want to be.

With the Cadillac CTS, you’ll find all of the luxurious styling that is synonymous with the Cadillac brand. You’ll find a smooth driving and riding experience, and you will find that Cadillac makes it easy for you to be able to customize your car so that it has everything that you really want and need.

Are you looking for more power than the standard CTS will offer? Then, upgrade to the Cadillac CTS-V with its 400-horsepower V8 engine that will deliver 0-to-60 mph performance in 4.6 seconds.

What most folks simply do not realize is that the Cadillac brand generally produces some of the fastest American-made cars in the marketplace. According to an article written by Isaak Carter in 2007 titled, “Surprises in the American Performance Car Market”, Cadillac had three of the fastest American-built automobiles in the 2006 model line-up. In fact, the four-door Cadillac CTS-V finished in ninth place in the Forbes countdown, with a top-speed of 163 mph. One reviewer even described the Cadillac CTS-V as a “luxury sedan with the performance of a Corvette.”

If you want to be sure that your car’s temperature is comfortable even on the coldest days, then upgrade to the heated seats – and if you are really serious about a vehicle that caters to your every whim, you can also opt for the heated steering wheel that is offered with the Cadillac CTS models. Want a sound system that your friends will be envious of you for having? Then, upgrade your speakers and consider having a satellite radio system installed.

Envy is a beautiful thing, when you see it on the faces of the people in your life. Take the Cadillac CTS for a test drive and see for yourself why it is one of the top-rated vehicles in the luxury automobile marketplace.

Are You Smelling Car Trouble?

By , September 22, 2017 12:31 pm

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There are distinct smells that emanate from your car as it goes through time and use. However, as the owner or driver, you would know that these are the usual odors and that would not be something to get alarmed about. What you should be on the alert about are some types of smells or odors that seem to be different, and out of the ordinary.

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What is the usual smell that your car has?

For most cars the usual smell would be the scent of leather or of the materials used. This usually goes for those newly purchased cars. On the other hand, there are also distinct smells that emanate from your car as it goes through time and use. However, as the owner or driver, you would know that these are the usual odors and that would not be something to get alarmed about.

What you should be on the alert about are some types of smells or odors that seem to be different, and out of the ordinary. These are the smells that you should be aware about for they could conceal something much more serious than simply a smell out of place.

If you smell an odor emanating from your exhaust, it could indicate that there is a leak in the exhaust system. It could mean a hole in your car’s tailpipe, exhaust pipe, exhaust manifold, or even the muffler. It could also mean that your hatchback or rear door already has a worn out seal. If this happens, you should take on the challenge immediately for you might get carbon monoxide inside your car which could get pretty deadly. What you should do is to bring your car to a mechanic right away.

If you smell raw gas, it could mean that there is a leak in your car’s fuel delivery system. What could be affected is your car’s fuel lines, gas tank, or your fuel filter. This is also dangerous for any fuel leaks could spark a car fire. You can remedy the situation by first seeking if you have put back the gas cap right on properly. If this does not seem to be the problem, then go straight away to your mechanic.

The smell of rotten eggs could also be something that you may notice and this means that your catalytic converter has become plugged. Once you smell this, go see your mechanic so as to remedy the problem.

A Stylish Crossover Vehicle For Kia

By , September 19, 2017 4:02 pm

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Kia’s Rondo is all set for production and will soon be appearing on streets across the U.S. Read all about this hot little crossover vehicle from Korea’s budget automaker.

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Kia is planning to bring to the American market a new type of vehicle ?a seven passenger crossover ?that will compete against the likes of the Toyota Matrix and the Dodge Caliper. The Kia Carens will be sold later this year in Europe and will likely make it to the U.S. market as the Kia Rondo at about the same time. Demand for crossovers continues to rise as the market adjusts to this relatively new type of vehicle. Will the Rondo succeed? If early press reports are any indication then the answer is yes.

Kia’s aggressive surge on the world scene is being made evident through new or proposed factories in Europe and in Georgia, USA. As a subsidiary of the mighty Hyundai group, Kia has long stood for being the budget Korean brand while Hyundai is the company’s value brand. The proposed Rondo will continue Kia’s tradition of providing decent quality small vehicles for prices that are thousands of dollars less than the competition.

Importantly, the Rondo crossover will fit nicely into a category of vehicles that have yet to take the U.S. by storm: mini-minivans. Popular in Europe, these compact vans are much smaller than current American minivans, yet still able to hold as many as 7 adults. With three passenger row seating, the Rondo and others like it squeeze out every possible square inch of interior space to accommodate passengers. No, you won’t ride in luxury and the ride itself will be closer to a Corolla than to a Camry, but Kia is banking on consumers wanting a well appointed 7 passenger vehicle that will likely retail for under $20,000. No vehicle currently offered in the U.S. can claim to carry that many people for that small of a price. Clearly, Kia aims to be the first company to accomplish that feat.

Unlike most upcoming vehicles, Kia is holding information about the Rondo close to the vest. With China’s Chery also preparing to send a similar vehicle to the U.S., Kia’s reticence is certainly understandable. Why give the competition more information than what is necessarily needed at this point in the game?

Likely, a pair of gas powered four cylinder engines mated to various manual and automatic transmissions will power the Rondo. No diesel version has been discussed for the U.S. market, but one is possible for European motorists.

In addition, look for Kia to offer better standard equipment choices with the Rondo than previous models have offered including, standard side and head air bags, dual zone air conditioning, and possibly all wheel drive on a premium model.

Yes, Kia is no longer just a producer of cheap subcompacts. With the soon to arrive Rondo, Kia is attempting to expand its growing line by offering a vehicle like no other one on the market.

First MINI GP Presented To New Owner

By , September 16, 2017 6:47 pm

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The very first MINI GP was already sent out and handed over to its new owner. Paul Baker now owns the very first MINI GP in the United Kingdom.

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The very first MINI GP was already sent out and handed over to its new owner. Paul Baker now owns the very first MINI GP in the United Kingdom. In fact, Baker also was the very first person to actually place an order for such a coveted vehicle. Mike Cooper of MINI personally handed over the keys to Baker.

MINI is a brand that is under the BMW company. This brand has been produced since 2001 up until the present. MINI is an entrant to the supermini or the hot hatch class and its vehicle models have been created in two body styles ?a hatchback with three doors and a convertible that holds two. Because this vehicle brand has already been sending out cars to our roads and streets since 2001, owners can easily find MINI parts anywhere so maintaining the vehicle is not a problem.

So when Paul Baker heard about the very first rumors about the MINI GP, he rushed over to the nearest MINI local dealer in his area and signed up his name for one. The rumors were that MINI was already starting up the production of the MINI GP which was proclaimed to be the fasted production vehicle from the brand.

Now, Baker is overjoyed with his new car. He even exclaims, “It looks even better in the metal than the photos. When I heard the rumor, I couldn’t resist ordering the fasted, most powerful production MINI. I’m looking forward to driving it to my local pub, sitting in the front garden, and showing it off to my mates. I’ll be keeping this car a long time, and no I’m not going to sell it on Ebay!?
Of course, MINI was astounded by Baker’s excitement towards owning the very first MINI GP. The MINI GP has been produced in only a small quantity ?500 units to be exact. And Baker has received two of these. You see, because Baker was the first one to order the vehicle, MINI also awarded him with another MINI GP for his loyalty. Meaning, only 498 units of the MINI GP now is left. As for the rest of the world, 1500 units are scattered all around the globe. And yes, all of these are already sold.

Anti-Theft Devices For Vehicles

By , September 13, 2017 9:50 pm

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Cars are expensive. If you are interested in purchasing an anti-theft device for your vehicle, you should first take into consideration where you park your car. Look through various anti-theft devices. Some anti-theft devices you can usually purchase in the market include audible alarms, a concierge system, cellular alarms that notify the police, locking steering wheel covers, locking steering wheel column covers, locking steering wheel bars, electronic immobilizers, engine system locks, fuel-system locks, tracking devices, and delay devices.

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Cars are expensive. That is why people do try to go out of their way to keep their vehicle safe, secure, and free from thieves and robbers. It is a good thing that some people have been able to create and design anti-theft devices. For most people, these devices are considered as blessings to those protecting their vehicles.

If you are interested in purchasing an anti-theft device for your vehicle, you should first take into consideration where you park your car. You see, if you are parking it somewhere far from where you are staying, even if the alarm goes off, you would not be able to hear it. Also, you would have to consider if people would be willing to rush towards your car or would they simply be ignoring it.

You can try to give thieves the feeling that they could not take your car. You can discourage them with the use of indicator lights. You can also use window decals which costs around $2 to $5. Or, for $80 to $200, you can purchase and use large and heavy-gauge steel objects like steering wheel locks or tire locks. Through this, you are telling thieves to stay off for they would have to put up a hard and tiring fight before they can get their hands on your car.

Look through various anti-theft devices. Remember that seasoned thieves can actually go through complication devices in around a minute or two only. Some anti-theft devices you can usually purchase in the market include audible alarms, a concierge system, cellular alarms that notify the police, locking steering wheel covers, locking steering wheel column covers, locking steering wheel bars, electronic immobilizers, engine system locks, fuel-system locks, tracking devices, and delay devices.

Automobile Brakes: Slowing Your Way to Safety

By , September 11, 2017 12:27 am

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An automobile’s brake system has been continually refined and redefined for over a century. If a person steps on the Rover brake pedal what actually happens is that he is actually pushing against the plunger found in the master cylinder.

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Just imagine speeding down the highway. Just imagine the sun on your face and the wind on your hair. Just imagine the feeling of being one with your car and the road as well. Feels great, doesn’t it? This time, imagine trying to slow down your descent however finding out that your Rover brakes do not work. Now that would be a great misfortune.

An automobile’s brake system has been continually refined and redefined for over a century. Automobiles without brakes would not a great thing for drivers and passengers would be very much prone to accidents, collisions, and crashes. The modern automotive brakes system has now become extremely independent, dependable, indispensable, and very efficient. All these are due to the experiences of drivers and innovations of automobile experts.

The Rover brake system of an automobile generally consists of disk brakes. They are mounted and installed in the front and rear ends of the automobile. The disk brakes, or also known as drum brakes, installed in the rear is connected by a system of tubes and hoses. These then link the Rover brake at each wheel and connect them to the master cylinder. If a person looks more closely into an automobile’s brake system, he would be able to discover that there are other systems that are connected to this system. These other systems include the parking brakes, the power brake booster, and the anti-lock system.

If a person steps on the Rover brake pedal what actually happens is that he is actually pushing against the plunger found in the master cylinder. By doing such action, it forces the hydraulic oil or brake fluid to go through a series of tubes and hoses to the braking unit at each wheel. The concept behind this is that hydraulic fluid, or any other kind of fluid, cannot be compressed. By pushing the fluid through the pipe, this produces the same action and reaction of like pushing a steel bar through a pipe.

However, the main difference between the hydraulic fluid and a steel bar is that the hydraulic fluid has the capacity to be directed through many twists and turns on its way to its destination while a steel bar has no capacity to do so. Upon going through its own maze, it arrives back to its original location and state so that it could be used once again. What is essential, though, is to keep the liquid free from air bubbles. If there are air bubbles in the liquid this actually slows down and reduces the vehicle’s braking system’s efficiency. If this actually happens, the entire braking system must undergo a bleeding where the air can be removed. Each wheel cylinder and caliper has “bleeder screws?that facilitate the release of any air in the fluid.

With all the attention to details that the Land Rover and Range Rover company gives to the vehicles that they manufacture, it is only fitting that Land Rover Parts and Range Rover Parts offers top of the line brakes and brake system parts that will match Land Rover and Range Rover brake performance. Land Rover Parts and Range Rover Parts?online store has everything covered when it comes to brakes and parts of the brake system.

A Guide To Comparing Used Car Loan Rates

By , September 8, 2017 3:37 am

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If you want to get the perfect car loan that fits your budget, it is foolhardy to just sign-up when you have not determined all of your available options. Before doing so, you might to consider first the figures that you will be working with.

Once you have determined the model of the car that you want, where you will be getting the loan from, and your monthly allowance for the used car loan payment, you may proceed with signing up. Then you will be on your way to owning th…

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If you want to get the perfect car loan that fits your budget, it is foolhardy to just sign-up when you have not determined all of your available options. Before doing so, you might to consider first the figures that you will be working with.

Once you have determined the model of the car that you want, where you will be getting the loan from, and your monthly allowance for the used car loan payment, you may proceed with signing up. Then you will be on your way to owning the vehicle that you want.

There are a lot of web sites online which offer auto loan rate calculators.

These rates vary by state and city. There are also online lenders who offer a cheaper rate, as compared to getting car loans via banks who – more often than not – deny your loan application, especially for used vehicles.

Research online and visit the used car dealers in your area. Collect the price quotes first to determine the current rates for the used cars available in the market.

You can also ask around for the rates. You are bound to get more results by word of mouth, especially if you know car enthusiasts.

Take the following as an example of the current used car rates:

In California, three lenders who offer used car loans are the Bank of America, Capital One Auto Finance and Wells Fargo Bank.

For a used car loan, the Bank of America offers 20% down payment and an 11.2% rate. You would add to this a $75 fee and a .25% discount with auto debit.

The second lender, which is Capital One Auto Finance, offers a 6.25 % rate and a 20% down payment. There are no application fees and prepayment penalties.

Wells Fargo Bank offers an 8.88% rate and a 20% down, a $50 application fee and a .25% discount with auto debit.

At the end of the day, just compare these three rates and determine which offer would fit your budget.

Also consider the distance, mileage and the final asking price.

One more thing that you should consider when comparing rates is the number of months for you to make the payments.

There are several options. Some lenders offer a 36 month used car loan. For higher asking prices, longer payment terms are available.

For a 36-month used car loan, for example, the rate offered is 8.31%. This rate increases as the number of months increase.

After researching and looking through all of your options, choose the lowest rate that you can get and remember not to overspend when you have already reached a certain target budget.

Avoiding The Hot Cars

By , September 5, 2017 6:54 am

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Be vigilant and be always on the alert, especially if you are buying a vehicle. The term “hot car?is usually used to refer to a vehicle that has been stolen. As a buyer, you surely would not want to have a stolen vehicle right in your hands.

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Be vigilant and be always on the alert. Especially if you are buying a vehicle. Be sure to scrutinize every aspect of the vehicle that you are eyeing. Of course, you would want to buy a vehicle that is in good condition and would give you the satisfaction you are looking for. And yes, you also have to be on the lookout for you may be purchasing a hot car.

The term “hot car?is usually used to refer to a vehicle that has been stolen. The common knowledge is that once a car gets stolen, it is taken to the chop shop and the parts are sold individually. You see, at present, some thieves do not simply chop up your vehicle. They have found that they can sell a car they stole without dissecting them into pieces. All they need to do is roll back the odometer and the car would look like good as new. Now, as a buyer, you surely would not want to have a stolen vehicle right in your hands.

If you find a vehicle that is sold for a much lower cost that you imagined it would be, ask yourself first the probably reasons why it is sold for such a low price. Cars that are usually sold with low prices when it could have been more have actually something wrong with it. Maybe it was stolen. Maybe it has been flood-damaged. Maybe it has already been in an accident.

To make sure, you can also check the seller’s name as well as his address. Compare that piece of information with the title and the registration of the vehicle. Verify these pieces of information as well. The vehicle identification number (VIN) should also help. Dents, scratches or loose rivets on the plate would mean that it may have been tampered. Then, check the VIN with the number on the title given to you. The Department of Motor Vehicles may also help. You can ask them to run a title history just to be on the safe side.

Now, if you do encounter a stolen vehicle, be on the alert and report the matter immediately to the authorities.

Audi A8: Mercedes, BMW Beware!

By , September 2, 2017 9:13 am

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Audi’s A8 is a technological and engineering model. While BMW and Mercedes may boast more sales, the A8 is truly a cutting luxury car in a sea of German exports.

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When you think of German automotive excellence, Mercedes and BMW are two brands that easily come to mind. Audi, too, has been making a name for itself and is poised to cause a lot of trouble for its Bavarian cousins with its current line of cars and planned models. The cream of the crop Audi is the A8, a true champion and a terrific alternative to BMW and Mercedes. Let’s take a closer look at Audi’s top-of-the-line sedan and what it has to offer to you, the European sedan enthusiast.

Back in 1994 Audi decided to take on Mercedes and BMW by introducing an all new car the full size Audi A8. As the first car built on an entirely aluminum platform [for weight savings optimization] the Audi A8 has been constantly redefining the German luxury car market ever since. Way back in 1997, the Audi A8 became the first car in the world to offer six air bags. Later, more powerful diesel and gasoline powered engines were introduced to further separate the brand from its competitors.

Since 1997 the A8 has been marketed in the USA, but it hasn’t swiped as many sales away from Mercedes and BMW as Audi had hoped. Still, the current model offers much flair and technological innovation to be truly a different model from BMW’s 7-Series or Mercedes?S-Class.

One thing that Audi enthusiasts have appreciated about the Audi A8 is its diverse engine choices. Certainly, a powerful gasoline powered V8 is offered, but other engine choices including V10 and V12 engines have shown up as well. Turbo diesel aspirated V6 and V8 engines have made their way onto European versions of the car, but not in America where emissions standards are much more restrictive.

So, what exactly can you get with an Audi A8 besides a wide variety of engine choices? Much, as outlined here:

6 speed Tiptronic transmission

Quattro all wheel drive

Power sunroof

Bi-Xenon headlamps

Front and rear foglamps

Premium sound system

18 inch alloy wheels

Full leather interior

┬ůmuch more!

For a retail price of just under $70,000 for the “base?model, the Audi A8 is priced competitively against similar sized BMW and Mercedes models. However, if it is speed that you want, then the W12 model will get you there in about five seconds. In this case, you’ll have to pony up at least $118,000 for the top-of-the-line Audi A8.

Of course, not everyone wants a car as big and as expensive as the Audi A8. If your tastes are a bit simpler, the automaker markets 13 other models in North America and its Volkswagen division also offers a wide selection of less pricey models.

Then again if it is an Audi A8 that you want, then price will not be an object. At least Audi hopes it is that way for many of its well heeled customers!

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