Premium Plastic Wars: U.S. Bank Altitude Reserve vs. Chase Sapphire Reserve vs. Amex’s Platinum

U.S. Bank's new travel card may make you think twice about applying for Chase Sapphire Reserve or American Express Platinum cards.

[Disclosure: Cards from our partners are mentioned below.]

U.S. Bank just launched a new premium travel card that joins the league of travel cards with big rewards and high annual fees. Available only to U.S. Bank customers, the Altitude Reserve Visa Infinite is for frequent travelers with disposable income who want spending incentives.

The Altitude Reserve’s design puts it in direct competition with the Chase Sapphire Reserve (see review here) and the Platinum Card from American Express (see review here). So how does the Altitude Reserve measure up to these premium kingpins? Here’s a closer look.

Earning & Redeeming Points

Each card rewards points for spending, but comes with its quirks. The Altitude Reserve earns three points for every dollar on travel purchases, including those made with mobile wallets. All other purchases earn one point per dollar. Right now, U.S. Bank is offering 50,000 bonus points (up to a $750 value) when you spend $4,500 in the first 90 days.

The Chase Sapphire Reserve earns three points for every dollar on travel and dining, and one point per dollar on all other purchases. Right now, Chase is offering 50,000 bonus points (up to a $750 value) when you spend $4,000 in the first three months.

The Platinum Card earns five points for every dollar on flights booked directly or through American Express and eligible hotels booked through Amextravel.com. You’ll get one point for every dollar on all other purchases. American Express is offering 60,000 points when you spend $5,000 in the first three months.

Each card offers a variety of ways to redeem points, including gift cards, travel and merchandise. Chase and U.S. Bank reserve the most valuable redemption options for travel purchases.

Travel Credits

Each card credits $85 to your TSA Pre-Check application or $100 to your Global Entry application. Beyond that, travel credits vary. The Altitude Reserve offers $325 in automatic statement credits when you make qualifying purchases on airlines, hotels, car rentals, cruises and taxis. The Chase Sapphire Reserve offers an annual $300 statement credit for similar purchases. The Platinum Card provides up to $200 in annual Uber savings and a $200 airline fee credit.

Other Travel Benefits

Each card touts a wealth of additional benefits, including airline, car rental and hotel perks.

The Altitude Reserve provides 12 Gogo Inflight Wi-Fi passes each year and a 12-month Priority Pass Select membership; members must pay $27 for subsequent visits. They’ll also receive a 15% discount and a one-time $30 credit at GroundLink Black Car Service. The card provides complimentary breakfast at Relais & Châteaux Boutique Luxury Hotels.

The Chase Sapphire Reserve comes with complimentary Priority Pass Select membership after a one-time activation. Cardholders will also receive perks like free Wi-Fi at The Luxury Hotel & Resort Collection properties.

The Platinum Card offers benefits at more than 975 properties worldwide. These include late checkout, free breakfast and Wi-Fi. Cardholders also have access to more than 1,000 airport lounges, room upgrades and car-rental privileges.

Each card offers its own concierge and protections, including car rental and trip cancellation insurance.

Annual Fees

The Altitude Reserve carries a $400 annual fee and its APR is a variable 16.49%. You’ll also need to be a U.S. Bank customer, although you can apply for the card 35 days after opening an account. The Chase Sapphire Reserve has an annual fee of $450 and a variable APR between 16.74% and 23.74%. The Platinum Card has an annual fee of $550. It has no APR, as it’s a charge card that requires members to pay their balance in full every month. None of these cards charge foreign transaction fees.

Should I Apply for One of These Travel Cards?

These cards are intended for frequent travelers with disposable income and require good-to-excellent credit. (You can view two of your credit scores for free on Credit.com.) If that’s not you, you should look elsewhere. You’ll also need to be comfortable with paying a $400-plus annual fee.

If you’re in the market for a premium travel card and are a U.S. Bank customer, the Altitude Reserve is an attractive option. If you’re not a U.S. Bank customer and have no need for another loan or bank account, another card may be better.

Remember, points that reward your spending habits offer the most value. For instance, the Altitude Reserve offers three points for mobile wallet purchases, but if you don’t use a mobile wallet, you may be better off with a card that rewards other types of transactions.

As the travel credits can earn back a good deal of the annual fee, you’ll want a card with travel credits you can fully exploit. If you don’t use services like Uber or incur many airline fees, American Express’ Platinum Card may not be the best option, even though its annual credits offer the greatest monetary value.

You’ll also want to look at the additional benefits that come with each card and decide if you’ll use them. Apply for the card that rewards your lifestyle and spending habits, rather than chasing benefits with the most monetary value.

Keep in mind, too, a rewards credit card, premium or otherwise, is only truly rewarding if you pay your balances off in full. Otherwise, you’re just losing perks to interest. If you’re prone to carrying a balance, you’re better off looking into a low-interest or balance transfer credit card. You can find some of a list of some of the best balance transfer credit cards right here.

At publishing time, the Platinum card from American Express is offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for this card. However, this relationship does not result in any preferential editorial treatment. This content is not provided by the card issuer(s). Any opinions expressed are those of Credit.com alone, and have not been reviewed, approved or otherwise endorsed by the issuer(s).

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

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6 Extravagant Hotels We’d Happily Splurge On

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[Disclosure: Cards from our partners are mentioned below.]

For most of us, the thought of shelling out thousands of dollars for a one-night stay at a hotel is, well, ridiculous. Then again, you only live once. If we had the money, we’d happily blow it on one of the beautiful suites listed here. Read on for some serious travel lust, inspired by cursory research and recommendations.

1. Royal Suite, Burj Al Arab Jumeirah, Dubai, United Arab Emirates

Daily Rate (excluding taxes and fees): AED 33,000 ($8,895 as of May 4)

The leopard-print furnishings aren’t for everyone, but we can all get behind a private cinema. And library. And elevator. Did we mention the panoramic views of the Arabian Gulf? A “brigade of butlers” are on call 24/7 should the remote-controlled curtains, all-in-one printer or entertainment stop working. However, the complimentary selection of more than 200 international newspapers should keep you busy.

2. Hilltop Estate, Laucala Island Resort, Fiji

Daily Rate (excluding taxes and fees): $6,000

Private cook, private nanny — what more could you need? Try a chauffeur, private beach, dreamy views of the Fijian archipelago and an infinity-edge pool lit by Tiki torches at dusk. All villas come with a buggy so you’re free to explore the five-star resort, but chances are you won’t want to leave.

3. Royal Penthouse Suite, Hotel President Wilson, Geneva

Daily Rate (excluding taxes and fees): Unlisted

The Royal Penthouse Suite really does have it all, from Steinway grand pianos and Brunswick billiards to Hermès bath products and a lake-facing Jacuzzi. For those who require the utmost privacy, the suite features bulletproof windows, emergency alarm buttons and a private elevator. PS: This hotel awards Starpoints, so pack your Starwood Preferred Guest credit card.

4. The Sultan Suite, Çirağan Palace Kempinski, Istanbul

Daily Rate (excluding taxes and fees): 30,000 EUR ($32,905)

Located on the second floor of the palace, the spacious suite features panoramic views of the Bosphorus, a living room with a dining area for 12, a kitchenette and two bedrooms on either side. Thirsty? Grab a drink from the mini-bar — it’s all free, of course — or telephone the 24-hour butler to fix you a cold one.

5. Presidential Suite, Hotel Principe di Savoia, Milan

Daily Rate (excluding taxes and fees): Unlisted

The only thing better than a trip to Milan: having your own Pompeii-style spa with a large private swimming pool, whirlpool, Jacuzzi, sauna and Turkish bath. Oh, and a fireplace to help you warm up. Step onto the balcony to admire the ever-growing skyline or consider dining en-suite off the fancy French crystal.

6. Villa Rockstar, Eden Rock, St. Barths

Daily Rate (excluding taxes and fees): 20,000 EUR ($21,937)

All 16,000 square feet of this modern villa can be yours — including the fountain courtyard and cloisters. A private gate sets you apart from the crowd, where you can enjoy the gym, pool table and fully stocked whiskey bar to your heart’s content. Be sure to bring your guitar for an impromptu jam session in the professionally equipped recording studio, which doubles as the Villa’s screening room.

Save on Your Next Trip 

Saving your Starpoints for a stay in Geneva? That’s a good place to start, but there are other ways to save on your travels. Rewards cards can help you stretch your dollars much further and earn freebies like complimentary drinks. While doing your research, be sure to check out our roundup of the best airline miles cards.

Remember, before you apply for a credit card, it’s best to make sure you’re likely to qualify. You can see where you stand by viewing two of your credit scores for free on Credit.com.

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

At publishing time, the Starwood Preferred Guest credit card is offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for this card. However, this relationship does not result in any preferential editorial treatment. This content is not provided by the card issuer(s). Any opinions expressed are those of Credit.com alone, and have not been reviewed, approved or otherwise endorsed by the issuer(s).

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Marriott Rewards Premier Credit Card Rolls Out Cool 100K-Point Bonus

The Marriott Rewards Premier Credit Card is offering 100,000 bonus points for a limited time after you spend $5,000 in the first three months.

Eighty thousand points isn’t cool. You know what’s cool? A hundred thousand points.

That’s what the Marriott Rewards Premier Credit Card, issued by Chase, is offering for a limited time after you spend $5,000 on the card in the first three months. And if you add an authorized user and swipe the card in that same period, you’ll score an additional 7,500 points.

As our review of the Marriott Rewards Premier Credit Card notes, the card is ideal for fans of the hotel chain. Cardholders earn five points for every dollar spent at any of the more than 5,700 Marriott and Starwood properties worldwide, and points can easily be transferred between brands such as Ritz-Carlton, Renaissance, Sheraton and Westin.

As an added incentive to keep swiping the card, double points are awarded for purchases on airfare, rental cars and restaurants, and cardholders earn one point per dollar on everything else. The card also carries no foreign transaction fees, so it’s perfect for long stays abroad.

Other Noteworthy Perks

Cardholders also receive other perks. They earn 15 credits toward their next Elite membership level and one Elite credit for every $3,000 spent. Points won’t expire so long as they swipe the card at least once every two years, and each cardholder anniversary they receive a free night stay.

The card also features travel security features like trip delay reimbursement, trip cancellation insurance, purchase protection and lost luggage reimbursement.

Before You Apply 

If the 100,000-point bonus has put the Marriott Rewards Premier Credit Card on your radar, you’ll want to make sure you’ll actually use it. The card carries an $85 annual fee, and its variable APR is 16.49% to 23.49%, based on your creditworthiness. Some may find that rate a little too high, especially if they tend to carry a balance from month to month or have difficulty paying their bills off.

Before you apply, we advise checking your credit to make sure you’re likely to qualify. You can do that on Credit.com, where you’ll get two of your credit scores for free, with useful updates every two weeks. Checking your credit scores won’t hurt them one bit and is a great way to keep tabs on your finances.

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8 Ridiculously Expensive Hotel Spa Treatments

Check out some of the most luxurious hotel spa treatments around the world.

Massages and body treatments are considered the ultimate luxury, and for good reason: They don’t come cheap. The average hour-long massage can set you back a good $60 while body treatments can cost even more. Book your appointment at a high-end hotel like the Bulgari in London, and you could easily spend a weekend draining your savings account.

Check out some of the most ridiculously expensive hotel spa treatments around the world:

Bulgari Hotel London Spa

Service: Radio Frequency (Skin Tightening)

Cost: Course of six treatments for €1,250 or approximately US$1,326

This non-invasive cosmetic treatment is geared toward those freaked out about cellulite and other worrisome signs of aging. The idea is to “tighten and rejuvenate the skin” while promoting production of collagen, that structural protein that makes skin look so youthful. An Alma HD3D RF machine delivers focused RF energy to each layer of skin; the spa brochure says you’ll notice results after one session.

Granite Spa at The Ranch at Rock Creek, Philipsburg, Montana

Service: 150-minute Rock Creek Ritual 

Cost: $480

Renew your skin with a 60-minute Bulletproof Coffee Detox Wrap, followed by “an invigorating exfoliation.” From there, you’ll be wrapped in a hot towel and given a face and scalp massage. Hand-picked essential oils and Swedish massage are designed to make you feel as “fluid as Rock Creek.” The “cheaper” 120-minute version costs $400.

Kahaia Spa at Four Seasons Bora Bora Resort

Service: Kahaia Spa Suite Package

Cost: 100,500 French Pacific Francs or approximately US$891

With this package, couples receive access to their own outdoor terrace, a soaking bath, drench shower and relaxation area — and that’s all prior to the actual services. Slip behind close doors and you’ll be led to two treatment beds with wide-open views of the water below. Any combination of treatments and rituals may be chosen.

Napa Spa at Auberge Du Soleil, Napa Valley

Service: Ultimate Indulgence Afterhours

Cost: $2,500

Couples feeling frisky between the hours of 8 and 11 p.m. may want to spring for this package, which offers exclusive use of the spa, massage and bath, plus wine and dessert.

Post Ranch Spa, Big Sur 

Service: Fire Ceremony

Cost: $595

Take your main squeeze to a “safe, sacred space established by the medicine wheel,” says the Post Ranch brochure. There you’ll experience an indigenous fire ceremony of purification or transformation, depending on where you’re at in your life. “Your shaman guides an interactive journey, drawing the energy of the fire to focus attention on an opening for healing distinctive patterns.”

Spa at Trump Chicago

Service: Balancing Diamonds Massage

Cost: $300 to $315

Promising “clarity, inspiration and enlightenment,” this POTUS-approved massage slathers you with oils “infused with the healing benefits of precious diamonds and botanical essences.” If diamonds aren’t your thing, they also offer Purifying Emeralds, Revitalizing Rubies and Calming Sapphires editions.

The Spa at Chedi Andermatt, Switzerland

Treatment: The Chedi Oriental Ritual

Cost: 750 Swiss Francs or approximately US$742

You get what you pay for at this Swiss retreat: aromatherapy foot polish, The Chedi Jade massage, REN facial, Thai-style foot reflexology, Himalayan crystal body polish and an Oriental bathing ceremony.

Qua Spa at Caesar’s Palace, Las Vegas

Service: 180-minute Signature Hourglass Treatment

Cost: $650

Got three hours and $650 to spare? If so, this personalized treatment may be just what you’re after. Combining hot stones, aromatherapy, chakra balancing and energy work, you’ll feel brand new when the session is over. Or not — this is Vegas, after all. Be sure to check out the Arctic Ice Room, where crystals made from soap and water drip from ceiling vents with the goal of reducing hypertension and tightening pores.

Save on Your Next Getaway

If hitting the spa is on your agenda, do your wallet a favor and at least try to save on hotels, airfare or checked luggage. One way to do that: travel rewards cards. These bad boys can help you save on all of the above and rack up some freebies to boot. You can check out our roundup of the best airline miles cards here or read our take on how to choose the best rewards card for you.

Remember, before you apply for any credit card, it’s wise to check your credit to see if you’ll qualify. You can do that right here on Credit.com, where you’ll get two of your free credit scores with helpful updates every two weeks. Checking your credit scores won’t hurt them one bit and is a great way to manage your finances.

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The Best Travel Websites to Bookmark This Weekend

best-travel-sites-2016

Whether you’ve used up your vacation days or not, surely you’ve got holiday adventures on the brain. After all, fares to Europe are some of the cheapest we’ve seen. If that isn’t enough incentive to get you packing, consider the websites gathered here, with help from Matthew Ma, co-founder of The Flight Deal, a travel deals site. Some will help you plan smarter while others turn up cheap flights; all are guaranteed to make your trip smoother.

Google Flights

On Google Flights “you can search quicker than Kayak,” Ma said, and the platform’s ideal “for most general users.” Just enter destinations, fare type and dates, and a number of options will pop up. You can also explore nearby destinations and sign up for fare alerts.

ITA Software’s Matrix 

For the true travel hacker, ITA Software’s Matrix, which powers Google Flights, is quite useful, Ma said. The search engine is great for turning up rare K-Up or Y-Up fares, which let fliers upgrade to business class from coach, and it can calculate the price per mile of each fare, useful for those counting their miles. You can also input airport codes to dig up dream fares. One downside: You can’t book fares on the site, so keep a pen and paper handy.

Hotels Combined

“Most people want to check how much it costs [to stay] in their destination,” Ma said, and Hotels Combined does just that. This meta search engine is “fast and has hundreds of thousands of listings, so you can quickly see what the prices look like.”

Wiki Travel

Flight Deal’s search team constantly uses this site, which Ma said offers “user-submitted tips for every city in the world.” With the click of a mouse, you can get a “rundown of public transportation, neighborhoods, whether it’s safe, not safe, all those things,” he said. “It gives you a very quick idea of whether it makes sense to visit. It’s basically like Cliff’s Notes for any destination.”

Travel.State.Gov

For all things visa- and vaccine-related, this site is a wonderful resource, Ma said. Renew your passport, get safety updates and bone up on whatever else you need as an American traveling abroad.

More Tips for Smart Travel

To save on your next trip, consider using a travel rewards credit card, which entitles you to free baggage checks, seat upgrades and more. And, if you don’t have one yet, it’s a good idea to make sure your credit is solid before you apply — lenders are often wary of applicants who can’t manage their payments or debt responsibly. You can view a free snapshot of your credit report by signing up for an account on Credit.com.

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The Best Places You Can Fly for Cheap Right Now

best-places-to-fly-in-october

Eager to hit the road but not sure where to go? With fall in full swing, we felt it was only right that we research the best places to visit this season. It turns out budget travelers have plenty of options, and if they play their cards right they can hitch a ride on a jet plane for as little as $200 roundtrip. We tapped Billy Sanez, vice president of marketing for FareCompare, an airfare travel deals site, to pull up data on places with the best deals right now.

Austin, Texas 

The Texas capital has everything a budget-conscious family could want: historic attractions, world-class hotels, stunning scenery and killer barbecue (also: live music). The 2016 Formula 1 U.S. Grand Prix happens there later this month too. “The weather won’t be as hot, probably in the 80s,” said Sanez, “and you’ll still be able to find great hotels … The only challenge there is you won’t have Uber” — the city banned the ride-hailing service in May.

New Orleans

If jazz and beignets dusted with sugar get your pulse racing, then the soulful city of New Orleans is the place to be. “It’s a little bit [of the] lower season for them,” Sanez said, “and actually you can probably get down there for less than $150 roundtrip from anywhere in the U.S.” Known for its vibrant nightlife and legendary music, New Orleans is a dream in the fall, perfect for picnics.

Seattle 

For those flying from the East Coast, especially cities like Boston, New York and Savannah, Georgia, a fare to Seattle can be had for less than $200 roundtrip, Sanez said. “Usually you’ll also see great deals for hotels.” That’s a good thing because you’ll be need cash for pinot in wine country and those aromatic molten chocolate cakes on Ballard Avenue.

Western Europe

We’ve reported on the phenomenon of cheap European flights, and this season the story’s no different. “You can get to just about any popular country for less than $600 roundtrip,” said Sanez, especially scenic London and Paris. “Germany, France and the U.K. will be a bit chilly, but it’s going to be like New York weather,” said Sanez. “In parts of Spain, Portugal and Italy, it’s going to be in the 70s.”

More Ways to Save on Airfare

With the holidays coming up, it’s important to look for ways to ease the strain on your wallet. A good place to start: travel rewards credit cards, which can soup up your trip with free checked baggage, hotel upgrades and miles. Just remember, you’ll need solid credit in order to qualify — lenders don’t like to see applicants who can’t manage their payments responsibly. So if you’re considering a new piece of plastic, be sure to check your credit before you apply. You can view two of your credit scores, updated every two weeks, for free on Credit.com.

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The 10 Best Airlines in the World

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How to Use Your Wanderlust to Build Credit

Love to travel? Good news: There are ways to put that wanderlust to use with a travel rewards credit card.

Though travel rewards cards aren’t the easiest to get approved for as they require an excellent or good credit score, those who are able to snag one can use it to build better credit. (Just, remember, before you apply, it’s important to know where you stand so you don’t get turned down and have your score suffer as a result of the inquiry.)

Travel Rewards Cards & Credit

A travel rewards credit card lets accountholders earn points or miles that can be put towards hotel stays, airfare and other travel expenses. These rewards can help world travelers lower the cost of their vacations, but the card itself could be a good instrument for building credit.

If you make all of your payments on time, eventually your score will begin to rise because this behavior creates a positive payment history, the most important factor among credit scoring models. The card’s credit limit will also be counted towards your credit utilization rate, another major factor among credit scores. Your credit utilization rate is essentially how much debt you are carrying versus your total available credit. For best credit scoring results, it’s generally recommended to keep the amount of debt you owe below ideally 10% and at least 30% of your credit limit(s). So, if you charge your vacation and then pay most or, even better, all of those purchases off right away, your score could benefit.

While using your card, you can keep track of how your usage and payments are affecting your credit by signing up for Credit.com’s free credit report summary. Beyond seeing your credit scores, you’ll be able to check how you’re doing in five key areas of your credit report that determine your credit score, including payment history, debt usage, inquiries, credit age and account mix.

Since interest rates for travel rewards cards tend to vary depending on creditworthiness, you’ll want to be mindful about carrying a balance. Doing so could hamper your credit goals, and the interest you pay could exceed whatever you’ve managed to glean from rewards. Many travel rewards cards carry annual fees, too, so you’ll want to make sure your spending habits justify that potential cost. (You can read about the best travel credit cards in America here.) Of course, making purchases on your card and paying them off quickly (and on time) will generally boost your credit.

Remember, too, if your credit is looking a little lackluster and you’re having a hard time qualifying for any type of credit card, you may be able to improve your scores by disputing errors on your credit report, paying down high credit card balances and limiting new credit inquiries until your score rebounds.

[Offer: If you need help fixing errors on your credit report, Lexington Law could help you meet your goals. Learn more about them here or call them at (844) 346-3296 for a free consultation.]

 

More on Credit Cards:

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Should the Government Do Something About Shrinking Airline Seats?

As some airlines try to convince leisure travelers that experience counts more than price, they may want to take another look at seat size.

A recent poll by travel deals site Airfarewatchdog found 55% of 2,100 travelers think the government should regulate seat size. And 38% said airlines should be required to disclose seat size more prominently, while 4% felt nothing should be done and 6% haven’t noticed seats getting smaller. The poll was conducted on Airfarewatchdog’s website and newsletter in late March.

Lately it seems economy-class passengers have gotten used to putting up with discomforts to snag a cheap fare. But finding a happy medium may be getting harder, as some airlines dole out other fees like those for extra-legroom or even sitting together with families.

Fortunately, there are ways to avoid extra fees, either by budgeting for money-wasters, as we’ve discussed, or opening a travel rewards card, which can offer perks such as free checked bags and the occasional seat upgrade. (You can learn more about the best airline credit cards in America here.)

You can also potentially secure cheaper airfare and/or better seat by flying on weekdays (experts recommend Tuesday and Wednesday for best fares) or booking about 57 days prior to vacation, although this varies for international flights.

Remember, if you’re considering a travel rewards card, you’ll want to know where your credit stands so you have a sense of what type of card you may qualify for. (You can view your credit scores, updated each month, for free on Credit.com.) If your credit’s in bad shape, you may be able to improve your score by disputing errors on your credit reports, paying down high credit card balances and limiting new inquiries.

More Money-Saving Reads:

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