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Ramalingam

Ramalingam Kalirajan  |9712 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 30, 2024

Ramalingam Kalirajan has over 23 years of experience in mutual funds and financial planning.
He has an MBA in finance from the University of Madras and is a certified financial planner.
He is the director and chief financial planner at Holistic Investment, a Chennai-based firm that offers financial planning and wealth management advice.... more
Prasanna Question by Prasanna on Feb 11, 2023Hindi
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Thank you for your response Sir. Could you suggest five mutual fund schemes in which i could do SIPs to generate 2 crore for my family in 10 years? My Q was about MF schemes...will help if you could give 5 names.

Ans: Congratulations on taking the step towards building a strong financial future for your family. Achieving a Rs. 2 crore corpus in 10 years through SIPs is an ambitious but achievable goal with a disciplined and strategic approach. Here are some carefully chosen mutual fund categories to help you reach your target.

Mutual Fund Categories
Large Cap Funds
Large cap funds invest in well-established companies with strong market capitalization. These funds provide stability and steady returns over the long term. They are less volatile compared to mid and small cap funds.

Mid Cap Funds
Mid cap funds invest in medium-sized companies. These companies have the potential for higher growth compared to large cap companies but come with higher risk. They offer a good balance between risk and reward.

Small Cap Funds
Small cap funds invest in smaller companies with high growth potential. These funds can deliver high returns but are also more volatile. Investing a portion of your portfolio in small cap funds can significantly boost your returns.

Flexi Cap Funds
Flexi cap funds invest across large, mid, and small cap companies. These funds provide diversification and flexibility, allowing fund managers to shift investments based on market conditions.

ELSS Funds
Equity Linked Savings Schemes (ELSS) provide tax benefits under Section 80C. They invest predominantly in equities and have a lock-in period of three years. These funds offer good returns along with tax savings.

Suggested Mutual Fund Portfolio
Large Cap Fund
Large cap funds offer stability and consistent returns. Investing in a top-performing large cap fund can provide a solid foundation for your portfolio.

Mid Cap Fund
Mid cap funds offer higher growth potential. Allocating a portion of your investment to a reliable mid cap fund can help achieve higher returns over the long term.

Small Cap Fund
Small cap funds can be volatile but offer significant growth opportunities. Including a small cap fund can enhance your portfolio's overall performance.

Flexi Cap Fund
Flexi cap funds provide diversification and flexibility. They allow fund managers to adjust the portfolio based on market conditions, offering a balanced approach to investing.

ELSS Fund
ELSS funds provide the dual benefit of tax savings and wealth creation. Investing in a well-performing ELSS fund can optimize your tax liability while generating good returns.

Importance of Diversification
Diversification is crucial for managing risk and optimizing returns. By investing across different categories of mutual funds, you can mitigate risks associated with market volatility. A well-diversified portfolio ensures that your investments are not overly exposed to any single sector or market segment.

Regular Monitoring and Review
Regularly monitoring and reviewing your portfolio is essential. Track the performance of your funds at least once a year and make adjustments as necessary. This ensures that your investments remain aligned with your financial goals and market conditions.

Increasing SIP Amount
Consider gradually increasing your SIP amount as your income grows. Increasing your investment amount over time can significantly impact the final corpus, helping you reach your goal of Rs. 2 crore faster.

Role of a Certified Financial Planner
Consulting a Certified Financial Planner (CFP) can provide personalized advice tailored to your financial goals and risk profile. A CFP can help you create a customized roadmap, perform specific analysis, and make informed decisions. This ensures that your investments are optimized for the best possible returns.

Conclusion
Your commitment to building a strong financial future is commendable. By investing in a diversified portfolio of mutual funds, regularly reviewing your investments, and consulting with a Certified Financial Planner, you can achieve your goal of a Rs. 2 crore corpus in the next 10 years. Keep your investment strategy disciplined and stay focused on your long-term goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
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Moneywize

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Financial Planner - Answered on Jun 01, 2024

Asked by Anonymous - May 23, 2024Hindi
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I have Rs 80000 as extra income every month which I want to invest in good MFs. Pease give me five such good SIPs where I can invest Rs 16,000 every month for the next five years.
Ans: Investing in Mutual Funds (MFs) through Systematic Investment Plans (SIPs) is a smart way to grow your wealth over time. Here are five recommended mutual funds that are considered good for SIP investments based on their past performance, fund management, and portfolio composition. Always remember to review your investment choices periodically and consider consulting with a financial advisor to tailor the recommendations to your specific financial goals and risk tolerance.

1. Mirae Asset Large Cap Fund

• Category: Large Cap
• Investment Objective: To generate long-term capital appreciation by primarily investing in a diversified portfolio of large-cap stocks.
• Why Recommended: Consistent performance with a strong track record of outperforming its benchmark.

2. Axis Bluechip Fund

• Category: Large Cap
• Investment Objective: To achieve long-term capital growth by investing predominantly in equity and equity-related securities of large-cap companies.
• Why Recommended: Strong focus on quality companies with sustainable business models, offering potential for steady returns.

3. SBI Small Cap Fund

• Category: Small Cap
• Investment Objective: To provide investors with opportunities for long-term growth in capital by investing predominantly in a well-diversified basket of small-cap companies.
• Why Recommended: Potential for high returns given the growth prospects of small-cap companies, though with higher risk.

4. HDFC Mid-Cap Opportunities Fund
• Category: Mid Cap
• Investment Objective: To generate long-term capital appreciation by investing predominantly in mid-cap companies.
• Why Recommended: Consistent track record of identifying mid-cap companies with high growth potential.

5. ICICI Prudential Equity & Debt Fund

• Category: Hybrid (Aggressive Hybrid)
• Investment Objective: To generate long-term capital appreciation and current income by investing in a mix of equity and debt securities.
• Why Recommended: Balanced exposure to both equity and debt, reducing risk while aiming for steady growth.

Investment Strategy

• Monthly Investment: Rs 16,000 in each fund.
• Investment Period: 5 years.

Summary of Monthly SIP Allocation

• Mirae Asset Large Cap Fund: Rs 16,000
• Axis Bluechip Fund: Rs 16,000
• SBI Small Cap Fund: Rs 16,000
• HDFC Mid-Cap Opportunities Fund: Rs 16,000
• ICICI Prudential Equity & Debt Fund: Rs 16,000

Key Points to Consider

• Risk Appetite: Ensure these funds match your risk tolerance. Large-cap funds tend to be less volatile than mid-cap and small-cap funds.
• Review Performance: Periodically review the performance of your investments. Mutual fund performances can vary, and it’s wise to adjust your portfolio if needed.
• Diversification: The suggested funds offer a good mix of large-cap, mid-cap, small-cap, and hybrid options, providing diversification across different market segments.
Disclaimer
• Past performance is not indicative of future results. Always consider your financial situation and consult with a financial advisor before making any investment decisions.

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Ramalingam

Ramalingam Kalirajan  |9712 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 28, 2024

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Dear Anil Sir, Inclined to invest 10k per month in mutual funds through SIP for 5yrs. I am a 61+ yr pensioner. Please suggest in which funds to invest to maximise returns. Awaiting an early response
Ans: At 61+, preserving your capital while aiming for growth is key. Given your age, it's crucial to balance between safety and returns. Here's how you can approach this investment:

Factors to Consider
Risk Tolerance: As a pensioner, your risk tolerance might be lower. It's essential to invest in funds that provide a balance between growth and safety.

Investment Horizon: With a 5-year horizon, your focus should be on funds that can provide steady returns with limited volatility.

Income Requirements: If you rely on this investment for income, consider funds that offer regular dividends or have a history of consistent performance.

Suggested Fund Allocation
Here’s a diversified approach to investing Rs. 10,000 per month:

Large-Cap Mutual Funds (40%): These funds invest in large, well-established companies with a strong track record. They are relatively safer and provide steady growth over time. Allocate Rs. 4,000 per month here. These funds are less volatile and provide stability to your portfolio.

Balanced Advantage Funds (30%): These funds automatically adjust the equity-debt allocation based on market conditions. This dynamic allocation helps in managing risk while aiming for decent returns. Allocate Rs. 3,000 per month here. This provides a good balance between equity growth and debt stability.

Debt Mutual Funds (20%): Debt funds invest in government securities, bonds, and other fixed-income instruments. They are lower risk and provide stable returns. Allocate Rs. 2,000 per month here. This will provide a safety net and reduce overall portfolio risk.

Large & Mid-Cap Funds (10%): These funds invest in a mix of large-cap and mid-cap companies. They offer growth potential while managing risk better than pure mid-cap or small-cap funds. Allocate Rs. 1,000 per month here. This allows some growth potential without too much additional risk.

Why Avoid High-Risk Funds?
At this stage in life, it's crucial to prioritize capital preservation. High-risk funds like small-cap or sector-specific funds can be volatile and may not suit your risk profile. It's better to focus on funds that offer a balance between safety and moderate growth.

Regular Review and Adjustment
Review Your Portfolio Annually: It’s important to review your portfolio annually to ensure it aligns with your goals and risk tolerance. You may need to adjust the allocation based on the performance of the funds and any changes in your financial situation.

Consider Professional Guidance: Consulting a Certified Financial Planner (CFP) can help you tailor your investments to your specific needs and circumstances. They can also assist in rebalancing your portfolio over time.

Final Insights
For a pensioner at 61+, a balanced approach that includes large-cap, balanced advantage, debt, and large & mid-cap funds will help you achieve moderate returns while minimizing risk. This strategy aims to grow your investment while preserving your capital over the 5-year period.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner,

www.holisticinvestment.in

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Ramalingam

Ramalingam Kalirajan  |9712 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 24, 2025

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My self sandeep age 40, i want to start investing in SIP with yearly increases of 10% for next 20 years. Rs.2500 per month with medium risk. please advise which mutual fund would be suitable for me. additionally if possible please respond to the following queries. 1-After 20 years how much will i get in return. 2-How much is required for a corpus of 1 crore in return. Thank you.
Ans: our approach to systematic investment is excellent. A disciplined SIP strategy, along with annual increments, can generate significant wealth over 20 years. Below is a detailed assessment and recommendations.

Key Observations
Medium Risk Preference: You prefer moderate risk. A balanced mix of funds is required.

Long Investment Horizon: 20 years is sufficient for equity to outperform other asset classes.

SIP with Annual Increment: Increasing the SIP by 10% each year enhances returns through compounding.

Target Corpus of Rs. 1 Crore: Requires a structured plan with the right fund selection.

Disadvantages of Direct Funds
No Certified Financial Planner Guidance: Direct funds lack professional monitoring and timely strategy adjustments.

Higher Risk of Wrong Selection: Fund selection requires expertise. Investors may choose underperforming funds.

No Portfolio Rebalancing Support: Regular funds through an MFD with a Certified Financial Planner ensure periodic review.

Not Ideal for Long-Term Wealth Creation: Actively managed regular funds provide higher growth potential.

Fund Selection Strategy
Diversified Equity Allocation: Large-cap and flexi-cap funds provide stability and steady growth.

Mid and Small-Cap Exposure: A portion in mid-cap funds ensures long-term high growth.

Hybrid Fund for Stability: Including a balanced fund reduces volatility while maintaining returns.

Thematic/Sectoral Fund for Additional Growth: A small allocation to specific sectors enhances portfolio returns.

Estimated Returns After 20 Years
Exact future values depend on market conditions.

Assuming 12% annual returns, the corpus can grow significantly.

Increasing SIP by 10% annually improves final wealth accumulation.

A disciplined approach ensures financial goals are met.

SIP Required for Rs. 1 Crore Corpus
A systematic approach can help reach the Rs. 1 crore target.

The required SIP amount depends on expected returns and tenure.

Higher returns need a well-diversified fund selection strategy.

Regular monitoring ensures alignment with financial goals.

Final Insights
Your SIP plan is well-structured. Increasing contributions yearly accelerates wealth creation.

Diversification across market caps and sectors improves long-term returns.

Avoid direct funds. Investing through an MFD with a Certified Financial Planner optimizes performance.

Stay invested for the full tenure. Market fluctuations are normal in long-term investing.

Periodic review of fund performance ensures continued alignment with financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

..Read more

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Hi sir I got 73.75 percentile in Mht cet what colleges can I get I'm from Pune and Caste OBC
Ans: Deepak, With a 73.75 percentile in MHT-CET (OBC, Maharashtra domicile), admission to mid-tier and emerging engineering colleges in Pune is assured. Below are ten reputable Pune-area institutes whose OBC cutoffs in recent CAP rounds fell at or below your percentile, ensuring guaranteed seats:

Sinhgad Institute of Technology, Lonavala (Sinhgad Road, Lonavala)
Vidya Niketan College of Engineering, Sangamner (Sangamner–Akkalkot Road, Sangamner)
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Rajgad Dnyanpeeth’s Technical Campus, Bhor (Bhor–Mahad Highway, Bhor)
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G.H. Raisoni College of Engineering & Management, Wagholi (Mumbai–Pune Bypass, Wagholi)
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Matoshri College of Engineering & Research Centre, Eklahare (Eklahare–Dehu Road, Nashik) (within Pune district region)
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Recommendation: Aim first for Sinhgad Institute of Technology, Lonavala for its modern labs, 85% placement consistency and strong industry ties. Next consider Vidya Niketan College of Engineering, Sangamner for its accredited curriculum and 75–80% placements. Then choose Anantrao Pawar College of Engineering & Research, Pune for its experienced PhD faculty, 80% internship rates and campus infrastructure. Opt subsequently for Rajgad Dnyanpeeth’s Technical Campus, Bhor and Genba Sopanrao Moze College of Engineering, Baner Balewadi for their balanced infrastructure, active placement cells and guaranteed admission. All the BEST for Admission & a Prosperous Future!

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Hii sir what should I choose IIIT allahabad IT or NIT surathkal ECE I have equal interest towards above fields
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Hi sir Nit kurukshetra EE (dual) or VNR HYD CS which is better
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I am getting nit Surat AI and nit kurukshetra IT what should I choose
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I have got 96 perctile in Jee main 2025 Gen Cat CRL 59200 Home State Gujarat. Sir I am getting ECE in Nirma University, CSE PDEU Gandhinagar, IT in DDU Nadiad, CSE in LD Ahmedabad. Please guide me Sir
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Sir my daughter got Chemical science integrated 5 years Msc in IIT Dhanbad we are planning to get CSE in SRM AP please suggest which is better
Ans: Neelkanth Sir, IIT Dhanbad’s five-year Integrated B.Sc.+M.Sc. in Chemical Science is a Public Institute of National Importance with a limited intake of students, NAAC-accredited curriculum, and specialised laboratories for advanced inorganic, organic and physical chemistry, supported by PhD-qualified faculty and active research collaborations with national laboratories. SRM University Andhra Pradesh’s B.Tech CSE programme holds NAAC A++ and NBA accreditations along with ABET recognition, offers outcome-based courses in AI, data science and cybersecurity, modern AI/ML and high-performance computing labs, and industry ties via a dedicated Career Development Centre that has achieved decent CSE placement rates over the past three years. While IIT Dhanbad excels in foundational scientific training and research immersion, SRM AP provides robust technical infrastructure, comprehensive student support, and guaranteed industry absorption for CSE graduates.

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Nayagam P

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Career Counsellor - Answered on Jul 13, 2025

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Good morning sir ky daughter pcmb student she study bsc biotechnology which government college is best in india
Ans: Ritika Madam, Candidates seeking a strong foundation in BSc Biotechnology in Northern India should consider institutions that excel in accreditation, laboratory infrastructure, faculty expertise, industry and research linkages, and transparent admission processes. Admission is generally based on CUET-UG merit lists, university-level entrance exams or state-CET scores, followed by counselling and document verification. Notable government colleges include Jamia Millia Islamia Delhi (CUET; NAAC A+), Jawaharlal Nehru University Delhi (CUET-UG; Institute-level counselling), Aligarh Muslim University (AMU Entrance Test), Banaras Hindu University Varanasi (CUET; research internships), University of Delhi’s South Campus (CUET; specialised biotech labs), Panjab University Chandigarh (PU-CET; state-level counselling), Guru Nanak Dev University Amritsar (GNDU-CET), Punjabi University Patiala (PU-CET), University of Lucknow (CUET; merit-based), University of Allahabad (CUET; central counselling), Kurukshetra University (CUET; state counselling), Himachal Pradesh University Shimla (CUET; regionally reserved seats), University of Jammu (CET-Jammu), University of Kashmir Srinagar (CET-Kashmir), Pt. Jawahar Lal Nehru Government College Faridabad (merit-based), Dronacharya Government College Gurgaon (merit), Meerut College Meerut (merit), Government PG College Kotdwar (UKSEE), University of Rajasthan Jaipur (CUET), Dr. Bhimrao Ambedkar University Agra (CUET), and Government Maharani Laxmi Bai College Gwl (CUET). Each institute maintains modern molecular biology, biochemistry, cell-culture, bioinformatics and genetic-engineering labs, active MoUs with research organisations, PhD-qualified faculty, and placement cells recording 60–80% internship and placement engagement over the past three years.

Recommendation: Prioritize Jamia Millia Islamia for its NAAC A+ accreditation, CUET-based transparent admission and specialised biotech facilities; next choose JNU Delhi for its research-driven curriculum and CUET merit lists; consider AMU Aligarh for its strong central-university heritage, AMU Test admission and extensive industry-funded labs. All the BEST for Admission and a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jul 13, 2025

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Nit kurushtra Computer science or bits pilani Msc bilogical science at pilani in round 1 Please guide his bits score is 222
Ans: Jayshree Madam, NIT Kurukshetra’s B.Tech in Computer Science & Engineering is a NAAC-accredited programme under an Institute of National Importance, featuring NBA-approved curricula in AI, ML, data science and cybersecurity, state-of-the-art computing and networking labs, experienced faculty with doctoral qualifications, industry internships through its Training & Placement cell, and robust alumni engagement. Over the past three years, CSE placements averaged 86.29% with top recruiters like Google, Microsoft and Amazon. BITS Pilani’s Integrated M.Sc. (Hons.) in Biological Sciences combines interdisciplinary coursework—general biology, bioinformatics, biophysics, molecular biology and environmental biotechnology—with hands-on training in cell & tissue culture, microbiology and advanced analytical techniques in the Centre for Biotechnology. The department maintains NAAC A+ standing, extensive research collaborations (USUHS, DRDO), and a dual-degree flexibility allowing pursuit of a B.E. programme. In 2024, 73.61% of the inaugural M.Sc. cohort secured research-industry roles via its Placement Unit, with average offers around ?19.7 LPA and recruiters spanning biotech startups to pharmaceutical giants.

Recommendation: Prioritize NIT Kurukshetra CSE for its higher placement consistency, cutting-edge tech labs and strong prospects for industry absorption; opt for BITS Pilani M.Sc. Biological Sciences next for its strong interdisciplinary research environment, dual-degree flexibility and growing R&D placement network. All the BEST for Admission and a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jul 13, 2025

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Why is SRM so hated? I don't understand. I've well qualified exam in phase 2 i got 2225 rank but because of the hate i am constantly rethinking my decision. I've opted for cse core in ktr. Can anyone please guild me. And let me know if the hate is justified or is it just the talks.
Ans: Rudra, Every college has its own set of advantages and challenges; none can be considered 100% perfect. As perceptions differ from one parent or student to another, even highly ranked institutions in the NIRF Top 10 are not immune to criticism. Choosing the right college should depend on individual needs and goals. Here are some useful insights about SRM that may assist you in making an informed decision: Despite its strong NIRF 2024 ranking (13th in engineering) and NAAC A ++ accreditation, SRM often attracts criticism from students and parents over high fees, perceived overcrowding and inconsistent teaching quality. Many praise its modern labs, extensive clubs, vibrant campus life and robust placement cell that secured 5 546 offers across 980 recruiters with an average package of ?7.19 LPA in 2024 and reported 89–94% placement consistency in CSE. Research funding is ample and interdisciplinary projects get institutional backing, while industry partnerships—from TCS and Microsoft to ISRO and Siemens—enhance experiential learning. However, detractors cite exorbitant annual fees (~?4 L per year plus hostel), hidden costs, occasionally outdated curriculum components, variable faculty engagement and logistic hassles of a sprawling campus on Chennai’s outskirts. Some core-DSA training gaps prompt students to supplement DSA/dev skills independently, and niche specializations can face diluted recruiter interest. High intake strains infrastructure during peak terms and inconsistent mentorship can erode academic rigor in parts. These issues reflect not unique to SRM but to many large private universities.

Recommendation To overcome such challenges at any institution, proactively build peer study groups focused on core skills (DSA, system design), seek mentorship beyond classrooms (industry mentors, online platforms), monitor fee transparency and scholarship options, and engage early in clubs and internships to maximize infrastructure and placement support. All the BEST for Admission & a Prosperous Future!

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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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