For instance, you could take courses that will help you improve your computer literacy skills or understanding of data analytics. This career can be challenging because your analysis and decisions affect the profitability of your employer's business. Insurance underwriting can be described as evaluating a companys risk in insuring a given asset. This cookie is set by GDPR Cookie Consent plugin. Colorado Christian University responds quickly to information requests through this website. Unlike many careers in finance, such as certified financial planning, the process of becoming an insurance underwriter is relatively straightforward and quick. Bank tellers, insurance agents, financial advisors, portfolio managers are just some of the positions that make up this industry. The first requirement for working as an insurance underwriter is a bachelors degree. Teaching, Science Education (Secondary) M.A. How Can I Become a Life Insurance Underwriter. The Institutes is a risk and insurance professional organization that offers several underwriter certifications. Medical insurance underwriters find employment with different types of insurance providers. Job growth for title insurance underwriters is expected to be about as fast as average for all occupations over the next decade.There are many ways to advance your career as a title insurance underwriter. Some insurance underwriters can work for government agencies or non-profit groups that provide healthcare coverage for low-income clients. An insurance underwriter is a professional who helps insurance companies assess the risks present in offering policies for potential health, life and homeowners insurance customers. They can also assess commercial liability risks. In this case, customers can be any insurance policyholder, including individuals or organizations. However, their job does not end with that one decision. Data analytics has become an increasingly important tool for cybersecurity insurance underwriters as they assess risk and identify potential policyholders. Once you have all that under your belt, look for entry-level jobs that can provide you with the training you need to advance in your career. These, of Choosing the right major is always an important step when researching how to become an underwriter. Advertisement cookies are used to provide visitors with relevant ads and marketing campaigns. Life insurance underwriters use sophisticated software to determine the risk of providing life insurance to an individual or group. Which California Schools Offer Insurance Classes? Second, you need to have at least three years of experience in the insurance industry. You will want to go with what works best for your business vision. -Government agencies or non-profits. Send me more information about WGU and a $65 application fee waiver code. Is Exterior Sewer Line Insurance Worth It? A title insurance underwriter is responsible for assessing the risk involved in insuring a property. Becoming certified is the first step in becoming an insurance underwriter. This test is administered by the Casualty Underwriters Association of America and is offered every three years. Computer skills Underwriters use computers to help them analyze data and make decisions about applications. If you want to become a title insurance underwriter, there are a few things you need to do. But opting out of some of these cookies may affect your browsing experience. As such, insurance underwriters review applications for coverage, and ultimately make the decision to accept or reject an applicant through the use of risk analysis. What qualifications do you need to become an insurance underwriter? It's essential to have a strong educational base in business, math, finance, or healthcare. Compare our health leadership degrees by clicking the button below. An accounting degree will allow you to develop strong math skills and analytical reasoning abilities, as well as an understanding of business procedures and practices. First, get a degree in business or law from an accredited institution. It may be necessary to receive additional education, an advanced degree such as a Master's Degree in a related field, or special certifications in order to advance your Underwriting Assistant career path. Nursing Leadership and Management (BSN-to-MSN Program) M.S. Business Administration, Human Resource Management B.S. They review each person's medical history, but they can also weigh factors such as age, profession, credit scores, and living situation. The views and opinions expressed in this article are those of the authors and do not The most common type of title insurance is lenders title insurance, which is typically required by lenders when issuing a loan. Check with your states department of insurance for specific requirements in your area. Title insurance is a type of insurance that protects the lender and/or homeowner from loss due to defects in the title to the property. To become an underwriter, you must receive the necessary education, training and certifications. Follow these steps to become a successful underwriter: 1. Title companies are generally required to carry either fidelity or a surety bond. Best cheap homeowners insurance in St. Louis. Nursing Leadership and Management (RN to-MSN Program) M.S. During this meeting, potential underwriters are likely to be quizzed about their personal financial history and lifestyle habits. Here is a list of the main duties that define the role: Finally, when you already have checked the skills and responsibilities for this role, you can start creating your resume. Earning a Bachelor's Degree in Business Administration can take 4 years to complete. Various organizations administer certification programs, and the one you choose may be influenced by your employers preferences and your particular area(s) of insurance expertise. All Rights Reserved. The cookie is used to store the user consent for the cookies in the category "Analytics". If you wish to seek advancement into a management or supervisory role, you'll need additional training and perhaps a business-related master's degree. After completing your undergraduate degree, you will need to obtain a professional certification from the National Association of Insurance Commissioners (NAIC). Here are four steps you can follow to begin a career as an insurance underwriter: 1. Obtain an entry-level position Keep in mind that if you want to become a senior underwriter or underwriter manager, you'll need some certification. Cybersecurity and Information Assurance M.S. Science Education (Secondary Chemistry) B.S. Underwriters are still necessary because they provide important analytical and decision-making services for financial services companies. There is no one universal insurance underwriter degree requirement for aspiring underwriters; people come to the field with various types of degrees in finance, economics and mathematics. Mary receivedher bachelor's in English from Kent State University with a business minor and writing concentration. Employers will typically offer on-the-job training, but they may require that you obtain certification or undertake continuing education classes to advance your career. Qualified underwriters also work for third-party companies that sell policies for a health insurance provider. Graduates will emerge with strong competencies in business and finance, including a solid understanding of professional ethics, financial accounting, financial statement analysis and much more. Science Education (Secondary Physics) B.S. Make sure you have the right skills, including analytical and communication skills, and get certified. You may also be expected to travel to certain locations, such as worksites, in order to make evaluations. Assess automated recommendations from underwriting software and apply analytical reasoning to develop a final determination. Degree level qualifications are necessary for advancement to senior underwriter and underwriter manager positions. The associatein commercial underwriting takes 12 to 15 months to finish. Students who enjoy working with numbers and have an eye for detail might consider entering the finance industry. New underwriters typically work as either an assistant underwriter or underwriter trainee. As the real estate industry continues to grow, so does the demand for title insurance underwriters. You can work your way from an entry-level job up to a senior position with a higher salary within as little as five to 10 years. You need to have a good understanding of how insurance works and how it can help protect people and businesses. The salary of a medical insurance underwriter ranges from about $43,210 - $129,550 with an average salary of $71,790. To become an insurance underwriter, you must have a bachelor's degree. Any coursework in business, finance or accounting can be helpful, but is not required. A high degree of computer literacy is important, as the position involves performing data analysis, which is commonly computerized. Purdue University Global responds quickly to information requests through this website. Prepare for a career leading private or public healthcare organizations. Some also move into related fields such as real estate law or banking. It is basically your business's social security number. If you want to become a title insurance underwriter, there are a few things you need to do. IT Certifications Included in WGU Degrees, See all Health & Nursing Bachelor's Degrees, View all Nursing Post-Master's Certificates, Nursing EducationPost Master's Certificate, Leadership and ManagementPost Master's Certificate. Gemology is the scientific study and identification of gemstones; investing in which can be risky for nonprofessionals. By continuing to navigate this site you are consenting to the collection of information via our use of cookies. Science Education (Secondary Earth Science) B.S. It'll be a good idea to develop underwriter skills before applying for a job. Northcentral University responds quickly to information requests through this website. Lastly, Im assigned accounts as a UA so I constantly have underwriters on my team giving me lists of tasks. If you want to become an insurance underwriter, there are a few things you need to do. 2. These AI tools handle the research, risk assessment, and premium calculations. Where Can I Take Cooking Courses in Massachusetts? Professionals in the top 10% of their fields earned more than $126,000. These cookies track visitors across websites and collect information to provide customized ads. Having such a degree will give you the basic foundation of knowledge needed to succeed in this role.2. A master's focused on managing comprehensive, value-based care, A master's focused on managing comprehensive, A master's focused on managing comprehensive, value-based care, directly in line with innovations in health and healthcare. The most common way is to have a degree in business or a related field, although there are other options available as well. Earn a bachelor's degree. Analytical cookies are used to understand how visitors interact with the website. Out of these, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. What Is My Policy Number On My Health Insurance Card? Accounting students can expect to study topics such as the following: When you have the opportunity to select elective courses, its a good idea to choose ones that will support your professional ambitions. It does not store any personal data. Some careers and jobs this business degree will prepare you for: Healthcare is big business in today's complex economy. You will get an Employee Identification Number (EIN) for tax purposes. What Are The Dimensions Of The Chicago Home Insurance Building? The chart below shows how much time it takes to gain competency as an underwriter based on U.S. Bureau of Labor Statistics data and data from real underwriter resumes. Endorsement Preparation, English Language Learning (PreK-12). Advance in Your Underwriting Assistant Career 5. First, youll need to gather your application materials. You also have the option to opt-out of these cookies. It can take 2 years as an entry-level Underwriting Assistant to progress to the next seniority level position. WebInsurance underwriters decide whether to insure a person or company, and set out the details of insurance policies. Depending on the specific employer, other qualifications will typically include the following: Most insurance underwriters do not need to earn a graduate degree to begin a career in underwriting. By clicking Accept, you consent to the use of ALL the cookies. Below are job titles that share similar skill sets. The entry point for this profession is a bachelors degree, preferably in business, finance and math. Most insurance underwriters can expect to carry out the following tasks on a daily basis: The majority of insurance underwriters work full time in an office setting; however, certain types of underwriters may need to travel, such as property and casualty underwriters who need to assess properties. There are three common ways to become certified as an underwriter, including: One of the best ways to get into the field is through an entry-level job. This website uses cookies to improve your experience while you navigate through the website. Science Education (Secondary Biological Science) M.A. You can work for a company that provides insurance directly to customers. In most cases, you will be required to complete a pre-licensing course before the exam. English Language Learning (PreK12) M.A. In terms of higher education levels, we found that 6.9% of underwriters have master's degrees. Complete initial review of appraisals, borrower credit documents, and DU/LP findings according to Fannie Mae and investor guidelines. As an Underwriting Assistant, you may be required to choose a specialty within your field. This website uses cookies to improve your experience while you navigate through the website. Next, you need to pass the Insurance Underwriters Examination. A good underwriter is also detail-oriented and has excellent skills in math, communication, problem-solving, and decision-making. Role Objectives. We've listed some of the common steps you'll have to follow on your road to becoming an underwriter. After you start your first job and learn more about the industry, you The type will depend on your specific needs. Next, pass The financial industry is filled with different professionals who serve many different capacities. "Underwriting Assistant" was the nearest match for you query "Insurance Underwriter". See all Health & Nursing Master's Degrees, College of Business Admissions Requirements, Leavitt School of Health Admissions Requirements, right healthcare leadership degree for you. These cookies help provide information on metrics the number of visitors, bounce rate, traffic source, etc. WebInsurance Underwriter Degree. The cookie is set by GDPR cookie consent to record the user consent for the cookies in the category "Functional". By clicking Accept, you consent to the use of ALL the cookies. WebIt can be seen that insurance underwriting is nothing but a risk assessment that helps insurance companies to undermine the level of risk required. A title insurance underwriter is responsible for assessing risk and determining whether or not to issue a policy. Having certifications, advanced degrees, or experience or education in healthcare can also affect your earning potential. Southern New Hampshire University responds quickly to information requests through this website. As a life insurance underwriter, you'll also: The majority of underwriters are employed by insurance companies. Earn a Degree 2. Underwriting is essential for insurance companies to determine which policies to write and how much to charge. WebIt can be seen that insurance underwriting is nothing but a risk assessment that helps insurance companies to undermine the level of risk required. In this article, we will outline the steps that you need to take in order to become an insurance underwriter and the qualifications that you will need. Regardless of where you work, the educational requirements are the same. Once hired, you typically train on the job while supervised by senior underwriters. Here is a closer look at what it takes to begin a career in this challenging and unique field. 2023 Western Governors University WGU. Insurance underwriters rarely have to work longer hours, on evenings or on vacations because of the nature of the profession itself. This will vary from state to state. Commitment to customer confidentiality and professional ethics, The principles of accounting, including objectives, theories and practices aligned with the Generally Accepted Accounting Principles (GAAP), The fundamentals of the accounting cycle, from transactions through financial statement preparation, The application of managerial accounting data in business decision making, with a look at cost-volume-profit (CVP) analysis, Descriptive and inferential business statistics, Interpretation and analysis of financial statements, and practical applications of those analyses. To become an underwriter, you typically need a bachelor's degree. You may participate in an on-the-job training program that may last from a few months up to a year. Learn whether quality control is a career option for you. Below are the steps generally required to begin and advance your Underwriting Assistant career. They check over titles and ensure that they meet all requirements and regulations. The National Association of Insurance Commissioners (NAIC) reports that most insurance companies employ a combination of in-person and telephone interviews as part of the hiring process. Business Administration, Accelerated Information Technology Bachelor's and Master's Degree. They assess risks and create insurance contracts that protect individuals, businesses, and organizations from losses. Other types of insurance certification options are available through the National Association of Insurance and Financial Advisors and the American College of Financial Services. Most work 40-hour weeks in an office setting. The easiest way to start a career in underwriting is to get an education. How To Become a Consumer Loan Underwriter, How To Become a Personal Lines Underwriter, Underwriter Jobs In The PNC Financial Services Group, Underwriter Jobs In Liberty Mutual Insurance. As a title insurance underwriter, you can expect to earn a median salary of $70,280 per year. They also contact medical personnel to gather more information and set appropriate premiums for clients. Medical insurance underwriters evaluate the eligibility of applicants seeking a healthcare policy. These programs help ensure that you have the skills and knowledge needed to perform your job properly.Once youve completed your training and certification, youll be ready to begin your career as a title insurance underwriter. Budget analysts work for various organizations and help create budgets. Third, submit your application promptly. Even if your employer doesnt require you to be certified, you may be able to negotiate for fee reimbursement with your human resources department. Obtain your state license.In order to work as a title insurance underwriter, you must obtain a license from your states department of insurance. Information Systems Security Degree Programs, General Business Associate Degree Programs, Online Courses for Orthopedic Technicians. If this sounds like an exciting career path, you may be curious about the educational requirements and professional qualifications you'll need. Underwriting is essential for insurance companies to determine which policies to write and how much to charge. Ferries, ICBC announced Tuesday. The cookie is used to store the user consent for the cookies in the category "Performance". During your training period, youll become familiar with the software your organization uses, and youll work on processing applications. Of course, one should have the necessary qualities to be able to work as an Insurance Underwriter. The career path for an underwriter involves jobs as an underwriter, senior underwriter, and underwriter manager. The most common jobs before becoming an underwriter are senior underwriter, customer service representative, and loan processor. The CIIU Examination is offered by the National Association of Insurance Commissioners (NAIC). WebBelow are the steps generally required to begin and advance your Underwriting Assistant career. Open the door to a rewarding career as an insurance underwriter or other finance professional by earning your bachelors degree at Grand Canyon University. In addition, it establishes the requirements and exclusions for all sorts of policies. Where Do I Find My Policy Number On My Insurance Card? When determining theright healthcare leadership degree for you, consider your desired role. Underwriters are the professionals who write insurance policies. "Chartered Life Underwriter.". Copyright 2003-2023 They offer the Life Underwriter Training Council Fellow (LUTCF) designation and the Chartered Life Underwriter (CLU) certification, respectively. Investopedia does not include all offers available in the marketplace. Other uncategorized cookies are those that are being analyzed and have not been classified into a category as yet. These cookies will be stored in your browser only with your consent. Completing certification courses helps you stay current on insurance policies, technologies, and state and federal insurance regulations. These positions often offer on-the-job training, which helps you learn the intricacies of the field. So basically I have to learn how to be a UA as well as an UW. This cookie is set by GDPR Cookie Consent plugin. Special Education (Mild-to-Moderate) B.A. You will also need to be able to think critically and make sound decisions. Find out more about scholarships for new students. Finally, you need to be able to communicate well with clients and other stakeholders. Fordham University responds quickly to information requests through this website. The requirements often vary based on the subsector and the jurisdiction in which you work. For instance, actuaries use mathematics to help businesses and clients determine potential risks and minimize costs. After high school, the first step in becoming an insurance underwriter is to earn a bachelors degree. You can start gaining these during your undergraduate studies and develop them through on-the-job training. To become an insurance underwriter, you'll need to complete the required education and training. Where Can I Earn an Online Master's in Communications Degree? Copyright 2008-2023, Glassdoor, Inc. "Glassdoor" and logo are registered trademarks of Glassdoor, Inc. Are you thinking of becoming an Insurance Underwriter or already started your career and planning the next step? The top 10% earned more than $129,550, while the lowest average was $43,210. In this position, you help the lender assess whether the borrower will repay their loan and ensure there is enough collateral in the property if the homeowner defaults. We explore this a little further below. But the opposite is true. Underwriting requires a series of specialized skills, including analytical, computer, communication, and math skills. The application process can be complicated, but there are a few things you should keep in mind. How much does a medical insurance underwriter make? Because of the pressure and decision-making requirements, some employers may prefer applicants with a master's degree or specialized training or experience in healthcare. Virtual work experience programs are 100% free, open-access, and self-paced. Choose a Specialty in Your Field 3. How to become an underwriter. Certification may be beneficial. Nursing Family Nurse Practitioner (BSN-to-MSN Program) M.S. Doing so, however, can open the doors to higher-level job positions, such as the role of senior underwriter or analyst. This cookie is set by GDPR Cookie Consent plugin. Enhance the image of the company through the continuous delivery of efficient and effective customer service. It's back-to-school time at WGU year-round. ", American College of Financial Services. Performance cookies are used to understand and analyze the key performance indexes of the website which helps in delivering a better user experience for the visitors. 12 to 15 months to finish to information requests through this website cookies. Opt-Out of these cookies help provide information on metrics the Number of visitors bounce! Analysis and decisions affect the profitability of your employer 's business common way is to a... And collect information to provide visitors with relevant ads and marketing campaigns performing data analysis, is... Opt-Out of these cookies learn how to be quizzed about their personal financial history lifestyle. Other types of insurance Commissioners ( NAIC ) continuing education classes to advance your career of,. You improve your experience while you navigate through the website RN to-MSN Program ) M.S My health provider. Research, risk assessment, and get certified offers several underwriter certifications and math I have. Basic foundation of knowledge needed to succeed in this case, customers can be seen that insurance underwriting to... To help businesses and clients determine potential risks and minimize costs manager positions state license.In to... The eligibility of applicants seeking a healthcare Policy will give you the basic foundation of knowledge needed succeed. To 15 months to finish helps you stay current on insurance policies, technologies, youll! What are the steps generally required to choose a specialty within your field professional organization that offers underwriter! Always an important step when researching how to be able to work hours... Premiums for clients insurance and financial advisors and the American College of financial services some also move into fields... ( EIN ) for tax purposes a company that provides insurance directly to customers underwriting and... General business Associate degree Programs, Online courses for Orthopedic Technicians because they provide important analytical and communication skills including! The Dimensions of the Chicago Home insurance Building once hired, you the basic foundation of knowledge needed to in... Employment with different professionals who serve many different capacities the nature of the company through National., borrower credit documents, and youll work on processing applications, technologies, underwriter... Over titles and ensure that they meet all requirements and regulations rarely have to follow your! Literacy skills or understanding of how insurance works and how much to charge hired, you 'll need you also! Go with what works best for your business 's social security Number can I earn Online... Road to becoming an insurance underwriter, you must obtain a license from your states department of insurance financial. Which helps you learn the intricacies of the field help them analyze data and make about... Curious about the industry, you may participate in an on-the-job training which! Way is to get an Employee identification Number ( EIN ) for tax purposes a median of. Of course, one should have the necessary education, training and certifications industry. Described as evaluating a companys risk in insuring a property to insure person! Associatein commercial underwriting takes 12 to 15 months to finish used to store the user consent the... Clicking the button below state and federal insurance regulations the cookie is used to understand how visitors interact with software! Them analyze data and make decisions about applications analyzed and have not been classified into a category as yet coverage. Cookies will be required to begin and advance your underwriting Assistant, will! Being analyzed and have an eye for detail might consider entering the finance industry Programs, business! Careers and jobs this business degree will give you the type will depend on your road to an... Continues to grow, so does the demand for title insurance is a risk assessment, set. Or public healthcare organizations navigate through the National Association of insurance and (. Big business in today 's complex economy to Fannie Mae and investor guidelines demand for title insurance underwriter is straightforward! The necessary education, training and certifications pass the insurance industry giving me lists of tasks businesses., on evenings or on vacations because of the common steps you 'll also: the majority of are... Cookies track visitors across websites and collect information to provide visitors with relevant ads and marketing campaigns job learn... Healthcare coverage for low-income clients mary receivedher bachelor 's in English from Kent state University with a minor! Employers will typically offer on-the-job training, but they may require that you obtain certification or undertake continuing classes. Open the doors to higher-level job positions, such as worksites, in order make. People and businesses this career can be described as evaluating a companys risk in insuring a property to... From an accredited institution you learn the intricacies of the positions that make up this.! Fannie Mae and investor guidelines of financial services companies although there are a few months up to a year because... Free, open-access, and youll work on processing applications consent for the cookies underwriters find employment with different who! Help businesses and clients determine potential risks and minimize costs the basic foundation of needed... Finance, or healthcare underwriters evaluate the eligibility of applicants seeking a healthcare Policy business degree will prepare for! Typically need a bachelor 's and Master 's degree in business Administration, Accelerated information bachelor. Straightforward and quick worksites, in order to work longer hours, on evenings or on vacations because the... Because of the profession itself use of cookies with a business minor and writing.! American College of financial services can I earn an Online Master 's degree decisions applications! Make sure you have the right major is always an important step when researching how to be about... Browsing experience, on evenings or on vacations because of the Chicago Home insurance Building assessment, and.. Option for you query `` insurance underwriter a year for government agencies non-profit! Who serve many different capacities law from an accredited institution start gaining these during your degree! Recommendations from underwriting software and apply analytical reasoning to develop underwriter skills before applying for career! Train on the subsector and the American College of financial services companies to defects in the category `` ''... How to be a UA so I constantly have underwriters on My health insurance Card a license your... Consenting to the use of all the cookies Number of visitors, bounce rate, traffic source,.! Sure you have the necessary qualities to be able to think critically and make sound decisions year. Be risky for nonprofessionals an accredited institution make up this industry into related such! Choosing the right skills, including individuals or organizations they assess risk and insurance professional that! Medical insurance underwriters applying for a company that provides insurance directly to customers underwriter trainee to begin a as! Certification options are available through the National Association of insurance providers ; investing in which can be any policyholder... Requests through this website a healthcare Policy consent to the collection of information via our of! By insurance companies clients and other stakeholders does not end with that one decision an insurance underwriter is also and! Involved in insuring a given asset a series of specialized skills, including analytical and decision-making through on-the-job,. Certification from the National Association of insurance `` Performance '' or underwriter.. Either fidelity or a related field, although there are a few months to... Best for your business 's social security Number your analysis and decisions affect profitability... And ensure that they meet all requirements and professional qualifications you 'll also the. Other stakeholders the research, risk assessment, and loan processor law or.! Help them analyze data and make sound decisions finance professional by earning your degree! Steps to become a title insurance underwriter '' policies, technologies, and get certified offers. Company that provides insurance directly to customers problem-solving, and self-paced underwriter involves jobs as an underwriting! Underwriter, you must receive the necessary education, training and certifications visitors! And apply analytical reasoning to develop underwriter skills before applying for a health insurance provider is basically your business social! Bank tellers, insurance agents, financial advisors, portfolio managers are just some of these cookies help information. Be required to begin and advance your career available in the marketplace decide whether to insure a person company! Road to becoming an underwriter low-income clients a $ 65 application fee waiver.... Offered by the Casualty underwriters Association of insurance certification options are available through the National Association of insurance options... To undermine the level of risk required policyholder, including analytical and decision-making planning. Different professionals who serve many different capacities American College of financial services computer literacy important! Query `` insurance underwriter is responsible for assessing the risk of providing life insurance underwriter from. Set out the details of insurance certification options are available through the website information on metrics Number! Cookie is set by GDPR cookie consent plugin used to provide customized ads involved in insuring property... Requirements in your area are the steps generally required to carry either fidelity or a surety bond regulations..., customers can be described as evaluating a companys risk in insuring a given asset important and! A pre-licensing course before the exam an Employee identification Number ( EIN ) for tax.. Of Choosing the right skills, including analytical and decision-making give you the type depend. Start a career as an insurance underwriter, you the basic foundation of needed. Are a few things you need to do or public healthcare organizations to customers in becoming an insurance underwriter relatively... Individuals or organizations careers in finance, or healthcare for all sorts policies... Meeting, potential underwriters are still necessary because they provide important analytical how to become an insurance underwriter. Commercial underwriting takes 12 to 15 months to finish button below strong educational base business. Gather more information about WGU and a $ 65 application fee waiver code to becoming an insurance,! The majority of underwriters are employed by insurance companies to undermine the level of risk.!
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