It is regulated by the following law - Federal Law “On Insurance Pensions” number 400, last amended in December 2017.
According to the law, survivor benefits are amounts of money paid by the state in order to compensate for the funds that were provided by the persons living with the breadwinner. insurance pension in case of loss of a breadwinner are discussed in article ten of Federal Law No. 400.
- –, provided (read about the age up to which a survivor’s pension is paid to a child);
- relatives - sisters, brothers, adults who were fully supported by the deceased;
- disabled citizens who were also fully supported;
- who were dependent on the deceased (you will find out whether the widow will continue to receive benefits if she remarries from);
- persons who received assistance from the deceased - a constant and main source of livelihood.
The calculation of pensions depends on the employment of citizens, their age and ability to provide for themselves.
Benefit was not transferred
Causes
One of the reasons why a pension does not arrive is problems with its transfer. There are two ways to do this:
- through bank services;
- through postal transfers.
The Pension Fund carries out daily operations related to the transfer and accrual of funds. In situations where the money was not transferred, the Fund simply did not have enough funds for the transfer at that time and certain citizens were not included in the distribution.
Funds may arrive at the end of next month along with another benefit or will be listed shortly.
Especially often there are cases when pension payments are made for December or January, transfers at the end and at the beginning of the year. This is due to the re-registration of documentation and the annual indexation of payments, which are carried out as a result of the necessary procedures.
Sometimes the pension benefit does not arrive because the citizen submitted incorrect data and details for transferring funds.
Solution
If you have not been paid your benefits within 5 days, then do not panic. You need to wait until the funds appear in the bank to make the transfer or contact the bank for clarification.
We definitely require a bank account statement to confirm the lack of payment in order to contact the Pension Fund to resolve transfer problems with this bank.
Delay in payments
Why is this happening?
There may be delays when transferring pension benefits by post.. Most often this is due to technical problems in the department. For example, a transfer was not made in a timely manner, or there was a change of employees, or a power outage.
Another reason for the delay in the transfer of funds is the complexity that arose in completing the documentation between the bank branch and the pension branch. Especially when the first payment is assigned - then you have to wait not a month, but about two months.
What should I do?
To resolve the situation - a delay in a postal transfer - we contact the place of receipt, whose representatives are obliged to explain the delay and correct the problem, and name the nearest deadline. If the problem cannot be solved, you should contact your local Pension Fund. or non-state - in case the reasons were not due to technical conditions.
To decide on a transfer to a card, contact the bank branch that carries out the transfer for clarification. For deeper reasons, we go or call the Pension Fund branch.
If the money is delayed for more than ten days, then we come to the following actions:
- contact the bank for documentary evidence;
- we take a certificate from the Pension Fund (local branch) stating that the money did not arrive within the specified period;
- We contact the Pension Fund directly and file a claim.
Not fully accrued
In what cases does this happen?
Cases often arise when the pension has not been fully credited to an individual bank account. If mobile notification is connected, then by the time the entire benefit arrives, the citizen receives an SMS indicating that funds have been credited to the account. Then the problem of partial payment of benefits arises.
This may be due to the transition to a new program, or a virus attack on the company. Hitting the indexation deadline also disrupts the appointment deadlines.
What to do?
To resolve any problems, you should contact the bank directly for a statement. from a personal account. If the benefit does not arrive in full, then we next call or personally go to the Pension Fund office.
Conclusion
For many citizens it is the only source of livelihood and many really hope for timely payments. When payments are delayed or missing, the first thing you should do is not panic. Please first pay attention to the coming weekends or holidays, this could affect the operating hours of the branches.
Within a week, if the assigned benefit has not arrived, you can safely contact an organization that manages money. if the proceedings with the bank branch and the post office did not help, then we go to the pension fund.
Question to the expert: “If my pension was not transferred to my Sberbank card: where should I call and what should I do?”
Today, one of the most convenient ways to receive a pension is a modern tool with many convenient functions.
Unfortunately, with age, it becomes more difficult for older people to stand in lines at bank or post office branches, and not everyone wants to spend the whole day waiting for the postman to deliver pensions.
It is much more convenient to receive money by card at one of the nearest ATMs on a certain day of the month.
This type of pension has several advantages:
- the social card does NOT require payment for service;
- Sberbank charges additional interest on the card;
- You can find out about the receipt of your pension without leaving your home by using a special notification service via SMS;
- A social card allows you to make utility and other types of payments with great convenience.
Despite all the advantages, some pensioners refuse to use this useful banking tool because they have heard about the problems associated with transferring money to cards.
Indeed, sometimes problems arise due to delays in transfers. These troubles appear due to various reasons: from the usual sluggishness of employees of social and banking organizations, bank transaction errors, to incorrect connection of the issued card.
The following types of problems may occur:
- The Pension Fund has not accurately formed the payment order. As a result, the payment may be returned.
- A letter with bank account details was sent to the Pension Fund with a delay.
- A card was issued with data that does not correspond to the open account: a data entry error during the registration process.
If your pension is not credited to your account on time, you should contact the nearest branches of Sberbank and the Pension Fund of Russia.
Sberbank requires:
- obtain information about transactions performed on the card account for a certain period. It is necessary for the bank to issue confirmation that the pension was not credited;
- if the report contains confirmation that the funds were not credited, contact the bank again to obtain a certificate of the bank account details of your card;
- further search for pension contributions should be sought through the Pension Fund, which is the sender of the payment. You will need the documents received from Sberbank to apply to the Pension Fund.
In the Pension Fund:
- Find out if they have your application or bank letter to transfer your pension payment into your bank account.
- If these documents are available, then present more recent statements received from Sberbank. This is necessary in order to reconcile the data.
- If the application and letter are not found, fill it out on the spot, providing bank details.
- Find out if the fund made pension transfers at a time when you were not receiving them.
- If all transfers were made on time and the details were entered correctly, the Pension Fund is obliged to make a request about their location to the bank. To do this you need to write an application.
The search for the missing pension transfer should be carried out by the Pension Fund, since according to the Regulations of the Bank of Russia “On the rules for transferring funds”, the bank should not search for a transfer that was transferred but did not reach the recipient.
At the same time, it is envisaged to transfer to banks the functions of clarifying the execution of the procedure, checking details, conducting money transfers, and returning them. The PF can take advantage of this if it has an application from the pension recipient in hand.
In most cases, the first reason becomes the last and there should be no delays in the future. Delays in funds when receiving payments for the first time can happen to anyone. The recipient collected all the necessary documents, wrote the appropriate statements, received a card from the bank, but there have been no payments for several days. If you did not transfer your pension to your Sberbank card on the first day, then such a situation should alert a person. And first of all, contact the branch of your Pension Fund, where an employee will try to resolve the problem or give advice on resolving the issue. You should not hope for a delay, although it is also quite likely; contact the Pension Fund immediately. Main reasons for delayed pension payments Pension payments may be delayed for several reasons:
- Lack of funds in the accounts of the Russian Pension Fund.
Attention
This is done in order to avoid loss of time, effort and money, since in the absence of any documents, delays in sending documents, restoring the proper procedure for receiving a pension without going to court and the prosecutor’s office will be the most productive and less expensive. When the response of the pension fund is in the nature of an unsubscribe, you do not agree with the answer, or for some other reason you are not satisfied with the answer, then the next place you should contact is the prosecutor's office.
You contact the prosecutor's office with a complaint about the pension fund. Sometimes the person responsible for the delay (non-payment) of a pension may be prosecuted under Art.
145.1 of the Criminal Code of the Russian Federation.
Where to complain if your pension is delayed!?
The older a person is, the less willing he is to be hired. Even if he has a wealth of experience and long service.
Important
Any head of an organization will be more willing to hire a person with minimal experience and experience, but a young and healthy specialist, than a retiree with extensive work experience. In addition, pensioners cannot boast of health.
And if the pension has not arrived on the Sberbank card, where to call and who to contact becomes the main question for the pensioner. Non-working pensioners directly depend on the pension received on time.
As a rule, an elderly person has everything planned in advance: paying utility bills, purchasing medications.
Is the Pension Fund obligated to pay compensation for a pension not issued on time?
When the necessary funds are received in the personal account of the Pension Fund, the money is sent to the recipients automatically. More rare are situations when, due to a lack of funds, the Pension Fund sends part of the amounts due to pensioners, and later the remaining funds are paid additionally.
Why pensions are delayed: main reasons in 2018
To do this, you need to go to the bank and request a statement of transactions made over a certain period of time;
- then we demand that the banking institution issue a certificate stating that the pension has not been credited to the account;
- After that, we contact the Pension Fund and present all the documents in hand.
In this case, PF employees are obliged to listen carefully to you, provide account statements, and also tell you the reasons why the money did not arrive in the account at the appointed time. If the problem lies in incorrectly executed documents, they must correct the existing errors and transfer funds to a Sberbank or other financial institution card.
If you haven’t transferred your pension to your Sberbank card: what to do and where to go?
In this case, they should issue a power of attorney for a close relative and have the document certified by the head physician. Attention! Payments of pensions this month will begin on November 3. S. Ugleva Press Finance May - Wed, 09/11/2016 - 00:39 # Don't tell the public! Where have you seen at least ONE pensioner forget about his pension? They've been lining up at the post office since the morning to get their pension. And if you go to the hospital, then everyone knows perfectly well that your pension will not be lost.
Why are they hanging out on the Internet on the Otradny 63 website? And whoever hangs around on the Internet will perfectly find a way out even without this stupid article, we don’t know for whom, written! Anonymous - Thu, 03/23/2017 - 15:07 # It’s immediately obvious that it’s not a pensioner who interrupted! The time will come (I hope) and this non-pensioner will still be faced with all sorts of situations.
Where to call if your pension hasn’t arrived on your Sberbank card
The pensioner himself may be to blame for this problem because he did not submit the necessary documents to the Pension Fund in a timely manner;
- incorrect paperwork. This situation is most often encountered by those who are due to receive a pension for the first time.
You are completely sure that you have submitted all the necessary papers, you are already waiting for the money, but there is still no money, despite the missed deadlines. Most likely, this is due either to the incorrect completion of any documents, or to their incomplete volume.
Be sure to check this point with the Pension Fund. We are confident that the error will be corrected as soon as possible and you will receive payments from the state on time; - inaccuracies in the process of activating a bank card to which money should be received.
If you haven't received your pension on time...
So, in your complaint about delayed pension payments, you must provide the following information:
- The name of the authority to which you are filing a complaint;
- Your data (last name, first name, patronymic, address, telephone number);
- The essence of your complaint (describe the situation);
- Your requirements (with references to current legislation);
- Date of filing the complaint;
- List of attached documents.
Note! If you have any difficulties in drawing up a complaint, you can contact our lawyers for a free consultation. Going to court If a pre-trial appeal does not bring results, the next step should be to go to court at the location of the PFR branch.
To draw up a statement of claim, we recommend contacting lawyers in your city.
No matter what type of pension rights you have, any of them can be suspended or completely terminated due to certain reasons and circumstances provided for by pension laws and regulations.
In order not to become a hostage to the unpleasant situation associated with the suspension of pension payments, read the contents of this article and you will find out: who and why is at risk of being left without a pension, how to avoid such unpleasant “surprises” and how to restore pension payments to pensioners of any category.
Suspension of old age pension payments
Suspension implies a temporary cessation of pension payments due to the occurrence of a situation outlined in pension laws, with the possibility that payments will be made again after the problems have been eliminated.
The suspension of payments is carried out by order of the territorial body of the Pension Fund of the Russian Federation (PFRF).
When payments are suspended
Pension payments are suspended for 6 months if:
- the pensioner or his authorized representative has not received a pension for 6 months. Payments will stop on the 1st day of the next (seventh) month;
- the document confirming the right of permanent residence in Russia of a foreign citizen has expired. Payments will stop on the 1st day of the month following the month in which the specified document expired;
- the pensioner left for another country for permanent residence and did not provide documents confirming that he does not have the right to receive a pension in this country (if Russia has concluded an international agreement on pension provision for citizens with this state). Payments will stop on the 1st day of the month following the month in which the Pension Fund received the exit documents;
- a pensioner leaves for permanent residence in another state without writing an application for leaving the territory of the Russian Federation (with which Russia does not have an international treaty). Payments will stop on the 1st day of the month following the month in which the PFRF received exit documents.
How does the Pension Fund determine the period of non-receipt of a pension?
The pension is delivered through organizations chosen by the pensioner. These may be credit, postal and other institutions involved in delivery. Each of them sends to the PFRF a report on the monthly delivery of pension funds due to citizens to citizens.
Based on the reporting of organizations delivering personal account data, pension payments are suspended if the pensioner has not received it for 6 months in a row.
The territorial body can find out that the pension has not been claimed for six months on the basis of:
- marks on the document about non-delivery of the pension for 6 months in a row (postal services, delivery organizations);
- reports and agreements of the Pension Fund of the Russian Federation on the provision of information about pensioners’ accounts by banks.
Procedure for suspending pension payments
The decision to suspend pension payments is made by the territorial body of the Pension Fund of the Russian Federation, guided by the law “On Insurance Pensions”.
If situations arise on the basis of which it is necessary to suspend the payment of pensions, the order is accepted within one working day following the day in which the reasons leading to the suspension of payments emerged.
Based on the order of the territorial body of the Pension Fund of the Russian Federation, the payment of pensions is suspended.
How to renew your old age pension
To resume receiving a pension, the pensioner needs to write an application to the Pension Fund and submit documents, the absence of which resulted in the suspension of payments.
If the pensioner still has the right to receive a pension during the period of suspension of payments before applying for their renewal, then the pension will be paid:
- completely and without limitation by any period, if the PFRF is to blame for non-receipt of the pension;
- if the suspension of payments occurred due to the fact that the pensioner did not submit the necessary documents to the Pension Fund of the Russian Federation, then no more than for 3 years preceding the month in which the pensioner applied for a pension.
Pension payments are made in the same amount as they were paid on the day the payment of the insurance pension was suspended. Indexation and recalculation of the fixed payment to the insurance pension are taken into account.
The territorial body of the Pension Fund of the Russian Federation considers the application for renewal of payment within 5 working days from the date of its acceptance with all the necessary documents. Consideration of the application may be suspended if there is a need to verify the authenticity of documents, but for no more than 3 months.
Payment of pensions is resumed by order of the territorial body of the Pension Fund and is made from the 1st day of the month following the month in which applications and documents were received from the pensioner.
Suspension of disability pension payments
The territorial PFRF keeps records of all pensioners receiving a disability pension. The automated system monitors the timing of payments and the timeliness of examination of disabled people.
When is a disability pension suspended?
The basis for suspending payment of such pensions may be the failure of a disabled person to appear at the federal institution of medical and social examination (MSE) for re-examination on time.
Payments are suspended for 3 months. The suspension begins on the 1st day of the month following the month in which the validity period of the extract from the certificate of examination of a citizen recognized as disabled expired.
Example: Kuzma Yablokov is 37 years old. In 2015, as a result of an accident, he was injured and was diagnosed with Group III disability until April 29, 2016. Kuzma Yablokov was supposed to come for the next examination on February 15, 2016. But I spent the whole month washing down my problems with my comrades. He did not appear at the commission. He didn’t call, didn’t think to submit an application asking to reschedule the examination date, and didn’t warn me that he wouldn’t come. On March 1, 2016, Kuzma Yablokov’s pension was suspended.
It is considered that disabled pensioners who applied to a medical and social examination institution before the end of the previous examination and submitted the necessary documents passed the examination on time.
Valid and disrespectful reasons for not attending a medical and social examination
The validity or irrelevance of the reasons for which untimely re-examination is allowed is determined by the federal institution ITU.
Among the valid reasons is health, which does not allow the pensioner to personally come to the medical and social examination institution; it is allowed to conduct the examination in the hospital where the pensioner is being treated, or at home.
In order for a disabled person not to miss the next re-examination deadline, it is enough to periodically review the documents confirming the disability. They always indicate the date of the next ITU, or the mark “indefinitely”.
How to resume payment of a disability pension
To resume disability payments, a pensioner must undergo a medical and social examination.
An extract from the ITU examination report confirming the pensioner’s disability makes it possible to eliminate the circumstances that led to the suspension of payments if it is sent to the Pension Fund of the Russian Federation.
If a person, before the expiration of 3 months, has undergone re-examination at a medical and social examination institution and his disability is confirmed, then payment of the fixed part of the disability insurance pension in an increased amount is resumed from the day on which the pensioner is again recognized as disabled. In this case, you do not need to submit an application.
If the period for re-examination is missed for a good reason, and the examination has established a disability group for the past, payment is resumed from the day on which the person is again recognized as disabled, regardless of how much time has passed since the suspension of the disability pension. If a different disability group is established, payments are resumed for the specified time according to the previous disability group.
If, during the period of suspension of payments, circumstances occurred that resulted in a decrease or increase in the amount of the pension, then recalculation will be made starting from the 1st day of the month following the month in which these circumstances occurred.
Otherwise, the renewal of disability pension payments occurs in the same way as in the case of old-age pension payments.
Suspension and resumption of survivor's pension payments
Payments are suspended for 6 months, starting from the 1st day of the month following the month in which the teenager became an adult citizen, or in which the period of study expired, if:
- when a teenager turns 18 years old, a document has not been submitted in a timely manner confirming the fact of full-time education at an institution that has a state license (school, college, college, technical school, university);
- the period of study (at school, technical school, college) ended after adulthood.
The resumption of payments is similar to the resumption of old-age pension payments.
Example: Anya Lapkina’s father died. From the age of 12, Anya received a pension. On January 18, 2015, she turned 18 years old. The girl is studying in the 11th grade of a comprehensive school; she had no idea that in January she needed to submit to the Pension Fund of the Russian Federation a certificate from the school confirming the fact of continuing her education. On February 1, 2015, Anya Lapkina’s pension payment was suspended. Anya took the certificate from the school and on February 17 took it to the territorial office of the Pension Fund of the Russian Federation. On March 1, 2015, Anya Lapkina again began to receive a pension for her deceased father.
Reasons for termination of pension payments
Termination of pension payments is regulated by Article 25 of the Federal Law “On Insurance Pensions” No. 400-FZ dated December 28, 2013. Below is a list of possible reasons why the right to a pension is lost and the timing of termination of pension payments.
In the event of the death of a pensioner
Payment of pensions ceases on the 1st day of the month following the month in which the pensioner’s death occurred
When a pensioner is declared dead
Payment of the pension is terminated in the manner established by the legislation of the Russian Federation - from the 1st day of the month following the month in which the court decision to declare him dead or to recognize him as missing came into legal force. The termination period for pension payment is determined based on the specified date.
If a pensioner refuses to receive an insurance pension
From the 1st day of the month following the month in which the territorial body of the Pension Fund of the Russian Federation received the corresponding application from the pensioner.
Upon expiration of 6 months from the date of suspension of payment of the insurance pension
From the 1st day of the month following the month in which the specified period expired if:
- the pensioner (his authorized representative) has not received a pension for six months in a row;
- the document issued to a foreign citizen or stateless person confirming the right to permanent residence in Russia has expired;
- the person receiving a survivor's insurance pension has reached the age of majority;
- a pensioner who left for permanent residence in another country did not submit documents confirming that he does not have the right to receive a pension in this country;
- a pensioner who left for permanent residence in another country with which Russia does not have an international treaty, and the citizen did not write an application for leaving the territory of the Russian Federation.
When assigning another pension
Payment of the disability insurance pension stops on the 1st day of the month following the month in which the pensioner reached the age for appointment:
- old age insurance pension;
- social old age pension;
- from the date of establishment of early old-age pension
Other reasons for losing the right to a pension
A pensioner loses the right to receive a pension from the 1st day of the month following the month in which:
- facts or documents have been discovered that refute the accuracy of the information presented in confirmation of the right to the specified pension;
- the period for recognizing a person as disabled has expired;
- a person receiving a survivor's pension has become able to work and has gone to work.
How to restore your pension
Each pensioner can restore a lost pension if he submits to the Russian territorial fund the necessary documents, the absence of which caused the termination of pension payments.
A legal period has been established within which an application submitted by a pensioner for the restoration of a pension payment must be considered: no later than 5 working days from the date of its receipt with all the necessary documents.
The right to an insurance pension after its restoration is not revised, but its amount is calculated anew in accordance with Federal Law No. 400 of December 28, 2013.
The insurance pension is restored to the previous, higher amount if, upon restoration of payments, its amount is less than the amount of the pension established on the day the payment ceased.
Payment of the insurance pension is restored from the 1st day of the following month:
- if a court decision to declare a pensioner dead or to recognize a pensioner as missing is overturned;
- at the request of the pensioner in the event of the occurrence of new circumstances or proper confirmation of previous circumstances giving the right to establish an insurance pension, if no more than 10 years have passed since the date of termination of payment of the said pension (documents and application are attached);
- when a pensioner submits an application to restore the payment of an insurance pension after refusing to receive it on the basis of paragraph 5 of part 1 of Article 25 of the Law of December 28, 2013 - from the 1st day of the month following the month in which the Pension Fund received the corresponding application from the pensioner.
Pension is the only income of most pensioners
The current economic crisis has hit hardest the most financially vulnerable citizens of our state, namely... Indeed, in most cases, state pension benefits are the only monetary income of such citizens.
Unfortunately, not all pensioners are able to find a job, continue working and support themselves with their earnings. And although the law prohibits this, many company owners do not like to employ pensioners, preferring younger workers to them.
If citizens' pensions arrive late, problems immediately arise with paying utility bills and purchasing medicines and food. And a person’s life may depend on this.
In this regard, many are interested in why the pension did not arrive on the card? What to do in such situations and where should you go to normalize the payment schedule and resolve this problem?
Today in the Russian Federation there are two main methods of pension payments:
- Through Russian post offices. In this case, the citizen himself can come monthly to the nearest post office or home delivery can be arranged. In this case, the money will be delivered by the postman.
- Through branches. Recently, this method has become increasingly popular. In this case, the money is transferred to a specialized card, which can be used to withdraw cash from the nearest ATM and make payments in retail chains.
Reasons for delayed pensions
The reasons for pension delay depend on the method of receipt
Since there are several ways to receive it, the reasons for delaying a pension may be different depending on the method of receipt.
If funds are delayed by the post office, then the issue may be due to various technical failures. For example, if the finances were untimely transferred to a given post office or simply got stuck somewhere on the road.
In this case, you should contact. It is there that you can find the employees responsible for this and find out what the reasons for the delay are. They'll figure it out and explain exactly what's going on.
However, as for the question of why they are delaying pensions on the card, everything is a little more difficult. Here you should understand much more carefully, since there can be many reasons for delaying a pension and certainly more than in the first option of receiving a pension.
What to do if the pension on the card is delayed and does not arrive on time
A common reason for delay is a lack of funds in the Pension Fund
One of the main reasons for the delay in receiving the card is the lack of financial resources in the Pension Fund itself. In this case, all that remains is to wait until the fund account balance is replenished and funds for issuing a pension become available, or wait until at least part of these funds are transferred. The second, although very rare, still occurs and sometimes you have to deal with the fact that funds are transferred partially.
In addition, the delay in pension benefits may be due to various technical problems. Most often, for this reason, delays occur in December and January. This is the end of the old and the beginning of the new year.
During this period, various documents are reissued, all kinds of payments are indexed, and other similar procedures occur. If the delay does not exceed five days, then there is no need to worry too much, you just need to wait until the money appears in the bank account.
Also, when receiving a pension, the reason for the delay may be the problem of processing various documents between the Pension Fund and the banking organization. Most often this happens immediately before payments. All you can do here is wait patiently. Usually, in the future, money will be credited to the account strictly according to the established schedule.
Where to complain
What to do if the pension delay exceeds one week
If the delay in payments has already exceeded one week, then it’s time to find out on your own what the reason is and why the money is not coming. To do this, you need to follow the following procedure:
- Contact a banking institution and obtain a document stating that the pension has indeed not been received. This may be an extract from the account to which the card is linked and to which the pension should be received. Usually there are no problems with obtaining this.
- If possible, you need to stock up on a certificate for the Pension Fund, which will indicate that the funds were not received at the specified time.
- After this, with the available documents, you can safely go to the nearest Pension Fund branch and present your claim there. It can be in writing, it can be orally. Fund employees must not only eliminate all problems with the transfer as soon as possible, but also explain in detail what exactly was the reason for the delay in pension funds.
In some cases, the pension does not arrive due to the fact that the citizen himself did not provide a complete package of documents to the Pension Fund or banking organization. In this case, he must be provided with a list of required documents and certificates that should be provided as soon as possible. This will determine whether the citizen will receive his benefit on time next month or not.
Once again, please note that you should contact the Pension Fund or bank no earlier than after 5-7 days of delay. Unfortunately, in our country, technical problems with translations are the norm. Therefore, do not panic ahead of time.
In this video you will learn about how the transition to World cards will occur:
Jan 21, 2018 Content manager
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