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\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gX7oJtJBbzfHfnQ7GYtw29KIBCMc8Drk\/dP7SY564dc9sV8\/ztZk3x1LWYF2581+uKebsgWO9AV8yLdpAvdpHwvA63QUfMi0LogE1HzIs2YEdtylrMg0joiDpinr+1gRN0xLx1ZHnUvVyLecEuDGDUEfN2jh9AuyPmrf3dOog6Yp4deRtO8sa99B1GhKrFPG5FN2Iet6obMQ8G0AuDrpjHre5GzONWeCXmcWuzEvN2drAOIS\/mQRhZkcuLeZEL1tuOmOfb1tb2RWKevTb1+v\/jkl6dULuR9CIrsiOHk\/RCBy0dXtLbBFubYoorSc8FbrT2OpLeFuzM3ZaV9OAGbmkZmEh6+LTddCU96MI13AgkPdu3AkoH0kp6a8RtQoGkB7aus44Ekh4MtvQypiQ9HzpbwEt6kQ1h4POSXuCFAcUw1pJe4Pvejpf0HHcL3YiX9MxwTSvZKkkPgsgOPF7SA15Iz0Il6a23IPAAL+nZztb0fF7Ss2wXUnxDJelFfuSEa17Si+wgpMSAWtKLdlt3x0t6vueZNuAlvc3WoTWZtaQXeXAXWh1JD3rBerfpSnrhbrsOO5IeMD3P2XUkPc91AiviJT0YwZC61StJL3D9kNr2laS3s7bbwOQlvXW0NncBL+k5rm2to66kF0WRFwRdSS8Kw2i77Up60dZ3qEFtJD3obKC960p6vul6NJ9QS3qRG62p\/dRIeuE2DKhLtpH0fNf3g3VX0tv6O5eWx2pJzzO93WbTkfRc01q7vKTn+Gt763ckPWtnURdTJemtYbDzbIGkt7G7kp4dOJCqopb0nGgT+euOpLeNAovSFzeSnhl4VE9qSS9w147jdyU9L3Cpu62W9GC0pfUxtaQX7tb0ZqglPWBagRV0JL11YAITCCQ9y\/d8B3QlPeBtgeeKJD1OHGokvV0QWAxb30h6TrSNdlFH0oPeLjLNrqQXrteQKa8lvSDY7CjGopL04A7CyBFIesE2sH1XIOntIj8IRJJeZIf2Btwj6XGz0Ep6wLFtq1fS86ALHLdX0ut0lJb0THNj+3aPpNcZU0rSM80d3DhCSW8beKFjCSW9zmywkt7G9yK\/T9Lb4X86kh50wyAIBZJeFEYmdYK0kl7kBbudL5D04HZHX7ytpBes18DxBZIeklttZzl4SwGQ5V\/S4F\/S4F\/S4F\/S4F\/S4F\/S4F\/S4F\/S4F\/S4F\/S4F\/S4F\/S4F\/S4M8iDcqlmEFT\/PblIQdvHCRQB+DTWTMAn5Xot2JKsIi4WkmAQ8yivoQ5kl3GesBBlBI5le0AFlI\/vwPk7OoDZaKOt3nN4JNwsBX8xsxGyLE63Ax5Z15D+JQebAa\/Ma+R6sgfbKZ6Z15D6AYZbAW9MK8JfBsNtoHfmNcIudoGWyGvzGsmDuBgG\/H9UVtsA+TOHWyDvDJz52NWaaAZ8kIHPGdt\/jK\/XWusXWuZdu2xdu1l2nXG2nWWadcda9dV3m7NGw60XL+yUtGQNd6QpaQhe7whW0lDznhDjpKG3PGG3HkNISZ18CRDL3wq05O+f3nw35Zen3Uryy7OupVlV2bdyrLLsm5l2TWJWgHH\/BNmH7Wy\/OyjVpaffdTK8rOPWll+9ollZaAZ8oKCRqyxRiwFjdhjjdgKGnHGGnEUNOKONTLzKqKURsPibvueep6MUk2NE1G9uAwVWAM2TgN+bRkKsJptnAL82jIUIF3eOAHorWXa9+MJM+DHC43\/EU5o\/QiXmn2i9Zww\/+TFZajAytVxGvBr6ilAvh\/DjaM35h172PFksBH8xkxdFfJ64RoZQGduPWVW2no9D5+ZoYN4zdxJCPnRSnM4pGhGKglBcYKhJvzlLJL\/GGRG\/pgrJP8xyIb8MVc0\/mOQAfljrkD8xyDr8cdcMfiPQabjj7kcB3Gk4lrA+OvNykIYxrzE27hg3dv6rU7tYbzvtSCJL62fHskygfYCyAs5GFJRdg4arBvnbJsK8y2FXQpynN44TpJqGJEu4AXutSqp0L+gjV4VNkmXn9d1CSIoQGBNeCbo0r9nCOwcF0vhkgCUzAGC\/aMJLdeqjHSosMIlMW3H9trSoMRx4ra7o8uMM\/h7hlwEfc+qvUPQkzwDyCPRDhoHBVwKkO0zMiO7dpNApX4SIgc9YNfxu1Whge3Ta7AOPYdqEyYJcv7ZRjuKusqDcRP5TkgTmF3TEhlpfbsO10fFlyz5wCgDa7pm+Irg5R+hud3VLi24jqQwAImGXwO2mITHbtcBWxzsH3cA\/bHFKOARbCM\/UhZz2EwhdGEQOfwURnZkwZCdwmAXbGq\/E3YKwQ5sdhE\/hU7kOi7gp9AKLGjb3BR6cGPVzg7MFPo732faxFO4ARu4XXem0I68iCajmkLgeGsr5Kcw2AZB2J1Cf+sCuzuFTrRpIAaoKQTbrVd7SFJTSMesUlNI6PtUZ+K\/pvmHTbPUVk1z4yUuR5NoK85COYBwdcQQ0A\/f2kTiOL2LKYOWOaGZ4WTMOIWtzIV1Oe55H4Ud46IADdB8vhhBEp8RLCJYrag3fOqNPC5eDH91d+ZAbR8XT7iPAUwhTmKpk6\/tZ1EGbPwgOuHPq56EUlJZrArjmsZGmAUvXKoDJjGJY7fpxqaChc5ZhCw+59dO9rhqUdA5E1QlYGvW+QYlMLLrlBtVQov7k45rTSrIS9DsIjKGjitH9gUbxG99aYYRX4qB6ZjEGAy32mbbQxnV\/zTiNITv9wMvUtRUw6fLVYAcblCSxm72uxZq3qaTv+MvbeYwzVOeJ2fmCYxXDc7QghfR3yxh+hkFWfGY4SepIeZNQpWbajjvwFDmqvql+b1hMlPM7JWKTFZztj712TjH6bevONVu2+fVvHySQ011xVbmGDJVtRUkWQFDBYkxqROhN2e3ZdNJc2z6GPPaY2LLHhM4ayZ3ngsyPplb1Rmf2h6pSx9a3ZWIoyCzcDp\/05v5CK9Z860wEvCRXRGa7DVOQqS6RLvJOGVnaMD3S5Ll5NQgJRH4Y9Xeg2vpZGiKCVxNYA4HEh1jQFgpTdAnDTRKUqmZ35WN9MSGyei51E5p+Cp3O5xX0zLNmWP6exz+318eyHd0cbyC4MMgg6aixhLm50JhfQk8gsSgpSGUs2HW7ugZAZYDVj0ey9Rejw6X+\/s+4HmXAZ7f8sDzeJ3OBp6fMAGdw0b1HCzWQD0Nw8elufCQSWdpmzxmSlsQDloXytvuJjR0vqtBGX+sKEH1gBK+gY9\/rATzCukX55yfeS\/Ws40PpqBEt0Jbhr7yN6IruhHdWVqviYQst3OnElAClAuwDPVPa+rEjv5OMPg7ubEPTvFFXUYQVNutV2+AH6+kBSo\/gTD8Rn8Nv92qvdsqIdBLxhuTe5DKqW4Q+Yh7PVnVj6ukoyav\/GgKiNZIoVyIZVD6BKpIwJ\/rya2+vNfIADOk4GOCKsmhDNtXyCwX8kO\/TPUZ6S4nZ4zuZLWuyjF\/RFLJvqP7CvOnTaamd1aha3KCsb2oAo1yMzlMSGgpzthcgLRg0wvbU1IiizJO84q3KWnjpySF18eTy6vLyMwtdmndH1nyM37ulzMUj9Xyr7SOfVpXktx+KbUjGYHfkTHKuCCnaxh+eSjza6+3XtWW4R97aaJf6XsWpy+zZ32ujrSa\/fnVoFXwI5Sszxdk5LvAKrfyvm4irgp0PvkyApm5QKPIou7LuJT\/BS6sf5al1I+yVBfYBqo34\/R1b5GPKM+y8ba3t+jYbUtOe4v1IpokIeMcc\/iwNydaIVxkhfCQFeJ5LTxUx4wd4zcDSi9wTcrBG6F21yLOWrPlEDTz2q+6zI\/2ex+iMG\/JHxPpRHzNynRi\/3aCOXw62frJ0U+uftGzRL8mepjoYahH8fGaw1UlA6BZby\/uGa3hJla3JEYuIuVHAiXFrAvUitfjc3yr+JbqbsYWOWRIpguEDmwdBzdZX7YDYpnke1GNS2XIBHqcXq6l\/nsJfGxX+Laaerw1Z5Gq843PspbDBJTxK5Q+OJpdWTgr6stalA+6XW30i31f2vhaMvnY9jzl2FCbF5SMGqrwgq1fzNo0+XFjh8SSaqyrK3K7uiK7k7B9hB0W8a7tMUpMSeQgbUthksSXIi5kelFckcT7caPuDVd4b1T2axHx52sJw4pRrxx8jPR6hnkc7JG0f0UYUen1XPyo3mn+bYIQQkkUMm0BrAQpBndt64ZBb8hpQh+BovNh+QZheuiu8Rk0fyU8JgjKLw+I0Idvt\/ZkrdUIdWvoiCDSu0yLf0dzXtVuaRbRAgxtWDxkncFApYSUzvqRoiq75in8KMQyOTMW7yyllmn+oohbGuPJmmMZie4k3bDc5VL3tvaAmqyI6JybeOboS5+2vzd6pfYXdstZmocRndp9+gSxI46DjzJbyALzGgHB2aRgcBVZ\/7sVT\/PaGZSuVXRvughN3e2HMV+jVimI\/do0E\/+h7cVvLEm0BNyVc5aLWVmXZ2VdyY12hulV5NFCvPWqJsiBGoAkeEKnifYbs8VWAtc+k3Z9EbA26IDonKk2TuHdOcDOcfrkIiOrjhonOma67575eqLOWHxeCxhEa4rMOMMLr1k69OJom8cFmGlIwMdKeq7q3arLVqB+11O18g673YtIMDGiI5e9yltphj5llz2dKUbTFZ7OHV3BbNdJbjAlFZh8LayEOKLNVKvG5NccPoqDEwxeqKP4Dr4XCSeCBcIqOltRV4Zev0wVmT2YBc5zIY7wAMSl\/byJu1qYj5t4+\/HsyyTmRcKc0VQbXnMjAkW5mmmeqCZ4kmJftm4ksLz277OKEZGuPowLZJwOxdumfto\/xZUkXM9OmqEzLMneYChJUb0sBD2mlE4iiwT1mC\/P0tVMcgbmOK5u+a5OnVz+0k0X55twnw9JGzJtxT\/zIWWLDqlJ17Y6eWragTTr6NEXPKLiqWeU+us6XvgIi2XPMGY5qDm8wrgIVGoWpm8M82fZBLLD9oNEe9Q0YSLh+wWk4VQuUqatu0Rv5jBpAjSWOR0QYeJBqMilAkTyrAQlrMCv72+tyMWqAXo4+NG4vHf15ci2alwAMqBhVcHTGsnxInWWMrQMciXr0je5Lnm46ZLLWp+v6ZorKXaYF+xu2rn\/sb+plDkK+JT6WmRosFZTpB\/FZrwDDdmClUdNwUezgosgz5LEB3ltCC5PcSo7CNrveZbALw8lQHjswhuoy5yJ7iThhPWPoCO4gaixFGtZ6rjm9j0D7\/l7binK\/FbdUO5kNk2R0rsz7lOuMCUNkbO6gAkMyslqD352VKo4MDiFOv0frq6zirGq95Igg2B3zbJaX3Nw0VpqlB6VTpBagpZQtzdqRJYZogtIYdI5Xk3pqtRN3gU5cYicKYb9ERqvjNb2K+kthTzaL6fb\/V4jWpCA8+UJw0Dotvf6pjtb9\/K+YrgR8s7aQ+9s7NeTvkEfpeawKMERikznHW6HFyZ7\/Nfat+Izyj2joUULkhYOJIjzIIF631pH24EGy0O+HLj\/bcWt1wdx\/ajP1mMO\/EOZXYNTZV\/faxeQGh+Hxn9Idj3hUXqOC7RO0zg93ugm\/Tg9ylT6luVMABGLLWFW0dfmoWF8jSyPiV+aZh7e4iQxghNI0Rg3r0jTgTp3TGK0Y24TuP4EaZRYrp+UyRCQgBRONNZ1QidECIq10evqlwns55RgAl8BvsGHPClRrHr5sdeeNzJdQygy+eS+0QZH3FeaCTIZ\/JCJjqR3MpWdTV+xKwTMqZDfQGiKed+64bEY5KgrrR7nujKspODHUsR5igetZ301o8YDkHT8Hsjt2wtz0MFFeDY9eB7VjEzx6Zo1V8jzKb0t6SbWNsU5ilFKdBUuYjA8wqJ36aG10\/anMikqW\/qobRG0ZJ96sOuZ+wqDMssNGEUwKHEtRhGABC118jKjp6lOLOa87qh5ye8G35Hta4WQ93GBXx6OaFjTCtes6hjaTSDP0db2NFdFKxjdD\/Y1gjwqpZtB12KW3tg5oxYnO1n2nGbCLIU38eKQZ9GbyuPzrb3KpIaDxkhV6AyEq62Gma58njAIE+DDRMhctQcw\/oh48Sdjbf6io3+tNLSz4FNDQ5y+rlZ0\/N4kEa5rIpzkzjHPaG0PuA+L7gpVB1yahUL2jb3BseNoGOdVyLJGxJ9+VVmv6zzzxV6xettm+EkcEHvtsw9Pn+U4NXaPdz1uyKTG6QnmcTlo4Zt02DOhkuMmwM9xWECrprYGDsQazkDarBrpHn+ebFU9TpfVKhoIThE6EeBYt3a5Yz9EZpkbaGGuJj+w6wey3dOeTyGnyZ5gMhRY2O0a\/GvAcEfOpS7n645zvvL9K0pOJSNS5bGGoC1vCUIFlGP6grQiw9dtnBr5JtLsNiF2RLkumTT+Et76JSJF6nHS0jG59YZSsLONBUNmfO0Js93w7nNIxJM96mfK0IYK7ozzk6ewLOmQKxxjyMPz3Bty1fTWeIP+S1xi7IT6M64cKzr39oF6ASnBcPAxzMs4AElXZ9HYudCq2Wsg\/cDhhnw0CXNgPXvwLD82Z3ZsHMHYrJWI832y97x4zKoXUXljrGL0LpG5FRpQGbo2geMI+8IAL1bp8yhHZmdA3bLYwYykIBJGJVJCTZ4ypUdcnA0YXG06fAOx2KL5m3ARUNx7UuZK1lycCS45W3QI3x3QfD\/cQ5x\/ecjLBMEPUQTe63+wP2VF+UTVtmLnibrvsKz5X59QSuJrGgdZCA0\/DuO9FqPUZOWMcUUH3kRVq4GhWplYl85edX4iEZhTDVYspjkg\/N6peJUf9UuWlxNHfW3+wl7vPGe3xTFD3ePYcCfhB\/UIrqjZEcvBvO4\/x+lNtJaM9RxGFdecXctbNyRrTsVEifgSp+GXB4Sk1whzNUwD0fyrqB4PQ1s\/E+dRnVntxA6Egajiv2naIMlVyPtmVGQ5LVnts3p8squfQBU0hDCIizhLeUKYEeqQQp6qJwaUoIDlg1Q4Wmfms2sewOGpd9Ss4XMWQnJ9oYNIMXSeqEGQlzACgaKRylEYDVqKlGMlyi1zzNInUzP1NlLTwDzBSjNx7CT+Un0yzV90E\/9HzdZ4h3kQF93pUztxRQkQVxqqGccgAVeaZNGWnkc1hvv4VsPzNN4yDw+HfhsbctdAhzX517RbbErUV2MTN6xFsE3aXiOEV\/jlIcSp97AyacGjuWosTv9jnh2RxrGdT4VOc4PtdbuouLE3EJdxeiQt6SpqRLd4OEI5nxUsh+E1gKFxzuoIPuPSmBSlXLRHRxULPSBFuY+ImxISBOO062NjnMH7SiMZlbQ4jeI0LuH37\/\/0Aj+iHJxhUf\/0VmYiD\/nymqcrKbfmP7PsPMbLQmafIVfmYTHCXR3uC0wxWeyNTwoTbU4UR3bg2ng2IU5H11l0O81ZVOlljgnNruXlOkUr3nWY3zZKfnck986EEJ9h1YNUQEmcxjMXsOgxg7zGq4t33o9YpR0LoQovIDR8At2MUAnNqq2lW3s+G2mPg0E9YrPqVu5lwNSM\/Tc46md6b9T1v\/I0E9PhRK8Ua9yBSArzLU6nKjs4e\/3QFWGvxCAnY6G4i2wx\/nS7361+5l2CHBUGncjz7K2DO9hxyBejj\/wgqEDsexHTboV9yDa0t\/4dLiTuHLK+\/nqbp9au6kEHQvEGLq3XgTlnsMZcPpR5ZRDPmNsCqI2oZu3kMIay7XwjopzXKfIN63hOOct57cpfAUiAuPLxhXgjEOsmNhN2Jmg8xo63V3ag3ZWP+iUrBszwnaPWWQAGUxLJklmzAqzR9RK2xmrrNzQsYyyfSxmK2iZ5U+YH3LUnZ3aBgo4TnwhBl7H9r+PArYoGQRfRqSgb406q6lrLuTU2r3ollN7IuVHAJGJwP0VWKayaNSztV6ZTKzGEac\/LUnTCEtw6DgGfEv2IWK9pAX5IKuR4NCnPB1kqtVBKuUZ+2gRSEmKHPDhGooxo\/40BVxl3Rje7l7o3+1J3hy91Tm3D6wzsGbMWjkRTD3ifcL5PMjS8vN4VvooWuY78qiprwEqzolyuXcn1in44sFqtzsqTpu722esB6fjuZgJlG5oOHtT1XJ8AVMzkE2ddk2ylQfHyaZGmMKJTcABlZ+Auv\/glAImyoFhCBkzi9KXQ5QhC2TNuYshdaVI0cBsLM52CT0KC0Ht8lMQAkQpOoqoH9wVpCr1M1UDaV\/SQtUuo6vT9moYQpzUj9DVfm6wdz7ac\/1UzGFORrRQyg9eEWqJaEt8UTC4SRFLwen80hrU69DrxLuSQKyVVN6kIpM6nylnoJoRd7oeWZQK5pzgojuCFqBHb8mt639XecyyNBc65987vonrg\/JpqXPYLewnAuzIHwYsI4KRNhUHseOxMCwZYtpc4u9HvVagywut4+CYwqlVgrX3XiBjEtM5TJSU6g\/ylPyaeQqHoGExdgauqqmBSTJU2zXBrsuZYu9+DlvNF5ZG+lKkErmltUFdiGBfb3Gmue7LzvtwhDWE4qSdSV3Z2nH5+3xsjco9pz7k37RI3Q8y29KTuAHIQvpfAJ7EHUZaV8zWqbC09F9iYtfXnujVQlwwf5PfKwqrO87r9RbOXJPAI07C\/ixXb3rF7Hjjdh8nOdAcQUoj+yKb97eOUh+PW5Ds9Jw8I8LOrQgBAQhARZKaAWfbFVc0yJ9dELL7atOfibSyvpD0n8uTuqJ95fVkwtEPcyECAB3a45kdrvhVbSIY4loNQQAIkVIK3iGkYjOX4ZFLqSI4Foi96JmCZiAFxY0i3P+oXXu\/EGqRoHgFJOnJMmGJ+ASWQF+4BeXa7JakXc2ogWmj2\/mebpUGohmKUylKuVXy7jSllRziATg6yjR2c5NRTF\/RWJ+p9ET8I3JTmk8YicI6Tj72QWV\/ehyXNSibzbD+DNMfjB16Kr0l8k0FwlG6wds1a2iOKOpZ6LXXuarbBjPQphCWIk+L2eWpN3Gyd2neS+RRBjmDAHGQvJXz5tDy1HZT0LQWFW5ul+JzjhwFj\/uwO7\/e1c0418FibA\/P5vDjbzFJ5rphWGnQcekd8hl8JR0WNu7KoRyTX5su0jvcfBIsMyTN2baJwCEz2zMBuRXg7\/UY21G+azfgYOasRfb4juCK3ptwVWcZniKoRnQJolxvEMFf7MDfFvF+FbeIUocKE8l2RnjXxKPE9eAOvcFSLJIJNH7M3OWLNkj0mWcp24mvr+zs4TJZ0C510oWxm2DFtp\/OTJELsAyT02tyhzlJpmKhhXBwdkGqLqHnmOyHLnRTBC+\/cM5KEXmyHnHNTHVR5+c3hREsEo3brS\/OOlkACLgXEpyb+pML8ihvVypMu\/9vwNmFrd3eVjPNk7cld11RmlzmdRtDb5ekHxELc1\/lapTiG5D9jKMLn4NZnWRsQOuVbrO4KgAL7rsi02WHe70shPJeS6rjt99mZ3QCbsrlJyjGAm1q907gHSequ4PlSfvQkhOn1D7kLBHhwpS+xatFcvcbwbZqQmcMLBOUT4TvjJNEr5hJ7PmDmcqUmjA6FK01WUg2gjY3kS1cRvItIrbRKhLVxyNF3x9XJ7kXl9vcEhvAm1NktoWiDeZ7lMlmT7BZSAxFbRx2btvOMUxfdpNMn9axmK8oPXYce6fjafsgatF+wnMmmYlm3LAm7QM17vRWag+XdKE4gxNFLzbjiArzRE\/BBRRK7sj3tsY2KZm\/jbeZOHj1iG\/P1JI3hoEh7xKgP+ImTCoCHINTnJScT5oOUkyHKBN44U3x+BokakF0Zkv6OPAFuHUGmDST7LpvY88Z5qBHVR+egRKLD91G0H\/JdZp1rv+pqs22hSO6K6TKLAwUPxGzTS46AF2S3pS7n1iYpHEk5+5PcbVI\/7boHzXO80Ocb6tB6l8+ISAyMwEf+BfBS0HlVpbFWGNvI12dBwOh3JZC3tHsv4oFJJmdded2oP3J1c5C\/aggeqLSlVIwCPM\/nVJ+HASXx86pv+ZcH7CqKVycDEa0E1bgHULkKkahoOGYqJktcqbrJwte0LodCgCQNyZ\/qcu65ury5Xpc0rs+IU9blQUnmphhXkOUcK6D1GdkZ9BnZC\/Q5WPjsHr8kACmv3mW4u31cPO0TkB6fQL7SyadrvlrdWDvDnpXPQQ781YGV10WvyBCESYjACAURGGk\/AitFwxEBemA09Epj1dKZjIo6nWlFp1P86CxMvE7DBLQB2LRniC6yEetdPbLemDNWndwu2PuAVxPLyF2aH8Y3ZXD5FxB+vUiFpGL+6abMpaqqb0yx08jqcUppWmQldcxk7tMMXa8Np4nlhIdvq5swdxr+iXHSkcxFJ4zFMhj6SrzKDR+ewGuM+oKeSHPAxjunTlSBYFPV\/PW5OJN+w7MPwxCG324C8DQe7VCEwIY1RQzEh1q6tOfiTKBdaHKI3NvJv65eHTe8TngKOmsFJyeX0kkiOwgHlIvLNNs2z4UWXP04MHz4Zwzzp2dbN3VTt1aan5UnDiOX1BTlGZUIzhQmg\/xvT2iUvpdZ+6J14A6y74oTfXaxG6lsdSqTjKbwvZyczfTQTabqap5CDO0brfjESh3N1AzkH24qA5xuei1y\/z8sg6itPaMWS3CUT8HC+aRMTMByd4Cz8iSkKvOwLA\/UzWwL9phBd4xmPdvFGPo2ehGhb1ObpTZXGrb5XTrw8jic0WkBZGx5Uqlw0WmA104LlKwU05onpydj57zlLjq10J9Fg9ko8Fnr1xRXt9Byuu3uzSt97b2doDgTc29WpC4+MCofSdzc2se8Ni5+usvdXX50jeX+nn3H50Pt86EbXHqiMPsDz9BwQLHoDEOAsNKTR27uLP1GcURLrj2yYjqrXUZWLGACg\/JWm7bA5QJBjmKD9kh9g7zjD1QZYaip\/MfxGRxrz3mqmLhT4AuIfBSCfpEUJ+1RMS9TXvYmNO9xOD8oc46ivJocLJ+tElsO2wYr5TGIk2+3jiNzU\/DRQBp1wpUb3E9O5ESVIHsjiFMVxLVhDQ0F8+1LfCOMTrCrVSCgUXwIuPKGa6c0KlWqovBucbMYZrS9GgqkO\/oQMMLmWNI6ZqMZWyxBbJnreFZ+u78XEOTBqY9U5g4z25vIEmTwFSFGsJBNHXd0Metv\/yTe4pTTtCvwPCa3Gp6e+E\/cidpHJnufMRVTnQkxGcG16PoSWnK+hH\/Hua8UItGRCucAH\/wdbVR1wAd\/P9aJgDm2yaTlDoHrCuuGbv28oOp4wG4jXCLvWz5IhEAtu\/G2kto2pE2\/DaOtEh0juSoHsMC63vzODPciakBQfNV3eTumCoi8yk2kx8MIpuGMSr9yyGQP38TQ9XLiPXUXXuLg5Vt13ZqaxfI+s6DM+UZYBqO9UZpLxOwDTFXXOr7uey5AjuFx0AobOGt+llgpFQx+\/2DNB\/dUSw9Rp8D3C0hDWp8iDtGarwJBLmTa73mWwC8PJfAfuvYZ15QH2DTi+y3uxRn\/VOZ3GMG2DfSsUve0iNnf76\/zZhjFudLyNjbnuCrQm4mo1MA9WcYPuBKUUqpTBS7l6yHZpzpO4RPuq0mZ4Cpe0hMqkituclQYUHEyiLcdHcElMWMSTqPoR\/u9D6Msh5I\/JnlaFTHhxVnbY8n\/6WTrJ0c\/ufpFvyZ6luhRfLzmcCVircwZ7eDKVzcezGBGjZXfDtAxOKdO1ET67yXwsej2bTVVvmi2n5pgpeJMuL878WBZGLiR4NGJ2LEMCsdaLghUPcgXGiAigbX4rYRXEGRDUA1hXpzFnPDcJFZCVO6pt75ML2g2XBYFs4pu+0Gka\/5tUlpRCg5IpjUUYld8uiFu7IKT7skwLzWShZZSOJlqky90OIDWSrIIzoBwOKr41xF2Xy3ojJAQwmSTK+kfy2iJzscsS4ql4Mztn\/VKisB58ewsSPLozc4il7jCsadu+B+cjmX584BOu6J8j6PKOU+ECCQYI1LY+zAukF9ti5IwD7OwokB7TmfAkktqW9GNDZM5i3YmFNXyCmXSxcrUrEv9GhuXhnbnT2\/66d2c3+UHhMrQsLNFSkJ7uxUz\/r15RmXXr7ANUbzprMUzqRnbduUEy26g3ySljYadBZ6wkKXb3uub7mA\/YsYxmryzxnASG+\/1pG+RAkdq8rHTsMAPe7bjd123IksZmrkSHKEot0jHZ3xMY1XfYMcc+IcyuwanyhSx1y4gNT4OjQJiFq0KtBqGpFoDt6+R\/vI5XQWIT9wAyrSIg2KKAXgHs8edSsFCEzq8ldkFNZrACDcukpzf4iQxghPKElNxSeg+k6JA3TJPnmHaqPQMx8XeFWbtbYaOjr2GfPAYdV+\/k7JCPnKer7LTr2KWHSbkron3mNAmQm2r+7CdBJ2uVPaSlCavN2ryTDx9h89AAaOGYOxM7FlLch0+5rfuav1M2LMZ4DyIfy+TSSmRGD2wyJOWeUEm+WHj3GRL9sMYcmw3P1ObNkfij\/0ynZ4otaOR78skKeRn\/\/+kl0PjOkkOVwyCXJyFSVY6OVBQQR0\/FVxzNHb\/ggg5IFi1ioFgw6is53VdgmoO0DLHvaJL\/56hu5UUz8gYU5yR7iCYvjDH8\/VO1xGZU\/fgz7ju0LD9IA0warrHsUL1GsdtLZdNqDgb2MWHrLQCJhGN9yRMTIpBuw2Lwem2VyuxBN\/zsiyd4kGvhoe67\/MMBS0+WVszhMfW169abcjXHOSFRKhDddzpkvOoS+oB9WWsR64rurtQ6XcpbcUS9yvJmtkJRhs+4tyfStu2Hna0XiYvOZmPxfTjfpmqk1b9Mq3H7CYUm7ig2IkSWmxkqS4QU6Q6\/FkxcX8FwikJhKtn7FMD4ZplMj8QDjnNINDAeRJk9\/FY7lB7jpPDoYPG794Paq8iK3FxNtLsOHW7MltqWAJ3VmpSQkzAp5539XyX9JId1OLT+Ur64IZbUzoFLFenTOmkPxVi8v4gjwDU\/a+\/3ubJcthJ+XRbwI2tAj5j4jC28x3ZJB26bnyoDUfGelRMVBPyqkLzj0YWaYGzC0yb\/nH2jvkBHsUZN9AjaUlbS24yGsF\/HC1q8nqbmzAE16L5\/Iwq3xUXUKXlmEls1BuuKMoC3neV2ZJ52OUp\/lq7qI5mtOvoUGeN1Ndlc9kJ2iG++Y3k+vDbQ7\/7wmg6EtWOLYTY39FZ862f5P9u25b9IMVY3cZTJ6juU5gFhQaGc5dScqAyCZq0qz7NSjNN2jVZgleoKk\/iu5xHdt7lXXe8X1aikNXad3rgcvFBgfPnHeaGitI9eL5khT6rghQe50Jw8\/X1ubKz+diEa4V\/1KYZvkpyFflEZz2r38OUc2DqxBjckVRt3nV\/zNRlV7pnEobjIMnrza8bx5pnG57leik+UvoUW5Jt\/LB4qDwhQZPkgNlrtvY3zZ2lHJi3qoo8uN11V8w+wZKuJlzgN2W7kxKx2z1p2Gmbm7zQWudEj8D5y0MtVy2Rh51p6JTl8Z8I8KenqdoS22LOLURIkGdFsUQCeGSxAmUev+OkKh33wnGtiruSb\/PWyb9YwAvIUehwfbQ1gM4qrmvSqlYnme8mTlSd5bbTpkAgxkjXNbz9ofqvUcQhlEvC2LZZo2fvozgvSmSiS8KbSHNoznS+ORdBdoFKgnMawwLjnOVMBE2hzho1+NlN51rfnOkGiVlTp8\/4cXiTyQDKajmn\/UjB6rwf+2qC0YhxOEDLhU9v6mdlmZ3FhgYFnSL4GuLL9S2PS3TInDO0xRvC8uTQ6xrQVYXZMlyJEhwPqrPI8X9gBjs57MZsBb0H8pAhSOTtzDDZrlyEbruZuj5zYk+6jsNdN+3rLEIWM5Nz81nLOOLl240bQVAphzlYMp3deY7DUE7MFO7DbkQNnp7FosnDrJzCWPNrZtsA9tEspfAUnqcGDrOSZnJjmKOwqI++WGCVjdGsu7wPxdweC9j62ri5logJYWvnePWZ\/HkuNg\/Ti5n3sBMtbYTfinX\/VZD2E3Lj+C4LNiQhJ4wle13X\/GALLiJtcYqLEtkgFeopSJXu7U74DdoxkTXQz488QBRVJgQZdk+6zdp+IgLMknL8V+BkSw\/GBGU1HQFi9k2L25E5pBSyWVZONZL1cjnuvVayZTEJOrkwpwETiCZfarJxBs3+1iueouvGwWFXcoHPHaToDix0eYpTZk0g905FLDXplFhsuENNPs8tpCIC6QU70Qry9Ukj0KIjG+U8VefCSVKoDq6D+6t9w7abkfAOm1MR7jWUjYaYU5Q6RxHV1qANckltyUCydznUl2s+ybsQe\/AzJ\/lv2tpG0eRsTmdGp9ToFJxpmIPdZFyU1bH\/7J4IQuOs7vUNV+GfNyVFvOzMqdu4qDajRhn5rEBSaUJLZv95k\/3O5ux83LA\/7GdlrUQZ3DbeRjKBW71Be7aLFeXSHsWzVwwKbOVZkuFEWN8lm2miShSxAihoYXp2IR6MSwiYy77UMSO3+G9qE\/zV2CD96+PAZx2UR8uga9qYrydp32Kht68py4GjkaRJ8yRJa6100hDBPCl4lJSfCDhHrCzA22fDJuuyIt1QVJcCeLvpIDoiBsSWxppjHCIs7W+aYU1jjUi6oidbZ6hbKYSnE3gAjWaMoLhveXCzchZOusBzSZ4UVYJZjdqmGs6qhptSAl+Ft8TXqubKhp1FRvlxgTc1gzrQQt2TFipMflgw5phoZ\/VnY5oLHdWF0HKQNKR79utJX7sYZkvg7LCW3Shlcquwj7CMRFB8+oJnu7oacZ6Un0jnRbN57ZIwD3ceSvLxTtzVzeFJzYj2aJ1wJ183s5ppnEEFG0KFF598TUtwWGuaw1IfyKn92gniPMxOrVmc93HxtE9AenwC+Uonn675anVjQ2n3rOwNcuCvDqwsLnpFhiBMQgRGKIjASPsRWCkajgjQA6OhVxrfLr26UfQaEkuvoaL0Vpehd0M2VjdecYEnlNdZSCU88MP4JkzSIY1Vr8tjrEv+VJdXiOryoYy6vBaIHfBLApCB6\/1um+bvYZx\/ecjL5OFbg7J2L1X7U1aUT1RNKyFgm4GYNYxiJgV09I+eFBX5+J3Pxt\/nmCxQBfA9LufWQStQZesIkqyAyrSwxMchPp9hXsSv8BulmI\/idxi28JeNYt2lcmWIITlf33hMzvD1NBrCryCglu+NAMqWUDyE86lAfSWkg2DVDrSstKHFVkiPRIJdRmhkWhVN1VcwxcbVfNmq27qQoW7EEAsJQjjwQbNMl\/GnUTXLNblIm6TXau\/VMjOAjpJ9mpVP9USvREuLynPeBwvTMbthnGwRWMx\/fSJAMcx2P8fpk4f8RHRsrsO7XzMwTJIU3E3ldFV8u007VTp6nLFjhhWJSGI1LOD2WALn9KE9f\/hD5TCGdjG72R5o7Nn19mz9LnoWSran2vYwRsoGrYnvogyrlmnPahOefRiGMPxGNh23JVdUaVRUjFhn4onWxt3SuyV8PWkG8bdd6RuEiS6\/ayRonIS8IiVvCklguRgFoOpILSul8C\/mwa30nv3YVNLaPipFk94YNZgBGD6z10qg5PQ1xt+fAMrV7zRwDldikCxnTVCy9Oa+aMtU3XRsjrs7rSi1vrLy1CARCCLnDUGACrbyi67N6gF3C7p9tyDFg5iI+0DMB7ahoKTzknaM3pH6Wi9ELPTobQ68lSKdWm\/LTLI4zmqSn0GirC0+pZ8tlWC6j6\/ic\/ZZG3WV4zlp8ncIgy7U8YfI+DhpVRPnYmFmZbSut3ZnXbuIR6QXtlcvafRBXZLtob6xVkQ+TmeZprRnGa3TSMUFTL6yPqJq5QTUDjoUqpxDrf1q9Ukjx2ToQYnLLc9swmI6SdKXWSPDUOe6O4ftEmxypCy6VZf3bqeq5sYkR4trOKfosHBH73N8Kw7k4mB2cseqp7AnFMS\/qlzyfY0hHld0EmIsX7H823NAdg5HnN5o+NK3zY6yQRp9UCyW183\/ov1Wt06hmyrCteSHlnw\/gSqHCTXUvLGjxT\/t0KJSv9aKFaK5dk3hrGIgDEpLMpTmFB9eCq9onCqHXvvYic84x+9PcaoV+dHXhay65pm\/6NQ+WakjKHnt24zEP6YWEHAyUAaTaVbCWfHaisNkVLBa3T5rpRNqWrVDrevEjSh2uOuXgwTnkt0npfCnG10udlNpFjqWTBblqtefwOrio7Zzvm94BnhwSLqOLZ2gIjG\/KxvqOI2ZWoRXFPIXnfVVFVE8BB6oHs+gRTiGfQIa8JNlRqJhGRjvJ2Z5EDUuZ3NYr7Gpa1AZ0\/nepEfjbvb\/9mSZ619Wn3JBivcK5ixwn5DUZ\/KxN+0KWdza0+pQEIdDLh98qS\/pi6NKy6cElV1l4oOeK673e3sBdXVZn9U8OeZpQeWzWsYJ1ZZtV5gidNw2PWLzNOVQHYtrUhZ0Rl0MB1Cpos3D5EjsWTj1LILRZ6VqqzqvLsqtqpB8bjNjmgoyFswh55rcBPk+zC5i8p0B4bNdY+nxOma3YXmsgwr7k6Sgd0fzlczHR2AHqsYRmhArpqCxifieuM\/BtVAF7yk8NOvjau5OFRssRQmbJ0cSK6OiMeogk7Jeu5iosugMmGrZK585z82+491ddWOX2NN\/QGBSonIc6hBtPDLlQ0AGmujKunIsw0ATtZVtfjzUJMcBeuR+KuSioVnA3OIohIg9zq64q\/6lrI5msWSxugsGaA5IJQO\/IoHl3Z+FYFboE8YuIcKPjJvHJbsY\/q0753cmLuWwSh11GDF1\/zAM6R0ZCJdFLKWpuiNu3T8aIEBXpN7FMBzL0dbDubCoGLIgCr46fv6SXUQ8wbxVfsnaHCY8Bz6zvuVyk1wyLtfHbdIcLpAUt0MJSctKawn7M7RKniqXQdetrUjxTpvp3I4qrQElGEMWEwCVmrRQpFwgUuA9Jj3KTRS7YFQkA1vberFnwBAz2ol55o6pecZqjpJhEU7Bqc42pzxWHFWfwleYSyUGG+PCkMQhl1eqA++mPs\/DEKveRtCLr\/cOju3OVi4uoNBcJdl94jQU3X6Tcy+3cpdtC1NAW5K+fJi0Kht3L7YYu863fUtBcT5QTBlluuseKmLLY0c\/x9HvmKrXyXCkVD3batskYQp8OIHaNrA1b+i6dunreigtawdgSuAR5NHukr9ohsY7S35itvDp7t2cgxKfHbnjc4SUGj2ZlbFeME7wz2twlYEMy7TveF3UVqGZBSpWtiCQnM27LumkAGdQxXwktWwo5yXer0nkzMR0vlKQ3tv7xaMt6FN6OAChj4vlUBm3YsNw76tDWn0x8s8920S9WWjK8CoTMUcOMuN0E8VKb5RzDZw3CAdrSfkLDKSs7knHzLAGRZnDMjgpAbwa7o5xvPUQNHp+KqdFSuszz7BbR6ArAjUc0hUjuEfWZwi5GYt9TJgF0\/VMVrDz21uQv9Z6DmXF7Dcy61P3Dkwu33TqfZgewRGG31ZEAqSGsL181FJE4O4GTn5nZJpGN74wkmTdYY1wTCaN3d5Mt3lQ5xU+MhL7EyieGrQXjG+tN8jSKzbIenVT4t2ghKdTPxIYAr4i3l6mepLdNi4CsWl\/CiO7oOZ70KB0zW+TMKpdt4tR7c1xlIqKHsPcrTeYfa4deqThVlxcCrUD2aOWjRAiWlx2moiv54IehdLIpvg+6PoRqg6wn7TOxAG3n+Z5wJhmOaUg3pTmsoZwirK5rd5jwKZRFVVh1E5XmhQlKONA4AE9ICCLZGGh0MzdgiYbH7UXT3IHGuqwjOR1r8aA0X4vJct3JqY2YxQwifYaTMNGfziwdyp0B8XRK6OLesERwhpqsefqWm1LvReUNKgsksc0JZHAU6R6JrCBF4vz7E1hQMfdUnmevS0g8HSYN0+5Bp1iEoVeJN3oGhOHMKjfZDUE8jyYk7FWBkGi1bvWUbsb25DMrfoJRL0iz\/IvDwl8hSihYNdK56lsuuK2sVftH9cYljT\/MayWVqKf\/zEdUYcDJI6uuGc8lQVWfw5Dfn8H2SGWRMzl6dA5NCkSwFJm1+CEPcEaOUXiOnyN4Vuh\/Z5nCfzyUAL\/4RvxRCMnzTxXNJpzxEcyuQaxTqE3nxafJ1LKRwJDM+JBwx+\/PFwSkD5845D8BEEXHZ21VPMJSJEYwUHgj4LR8Wn2WNPMMOCe+vwzTS\/E0Nyq1AN1K70IklIzgCRpzpmJ1ZOC95rjkp1h3oTfE9hMwLPPcfKxF8aoMMEFNvmaoxVhSxHmA3R3x0miLljrEmR5CvNurvIePXbjYid2vGOjKagOW6NrXIZ4okfoJd0Wk947K6NEHj4po+wFqSEndGzy8NtTe8YEJS\/SNdlESOIxkTxApAhIXkUGH3wRxn\/i461eHtm7CihmRChrPja5WEKRf1hfepF+tZdVx9xRGQRtcczdSL5M\/L1KVl81e0dOoO+Sk8IKi1PGaCyzMJeIuptBaTDbomCsqBTuDfYFUUmC9OPtBHNK81Y7m6NVRH02sjxG81mnim+e4Q2LcVH3Npe9pkHukbxpk+q2wbcdcj5\/gQOzT15oGJSWz39213LNP4fxuZXTns2tZDWnrLyx5FMTwpH97B1m2YyNS3pTEJt6SbUgzgMUBtd74fdMSRMQwvfMlSQE1UonGbXQshcueo5WlpwLSvRgVKpEQlu3B9SVxJKPIoaqErTi\/57FWMt1TUNlbqaXlLgPVCMvdUmkz3FhnOKynr2Jy06OIcSNYRFWtFg6janJ5XpJuW3pSCXBzt4u96VKt4fC5pgY\/DG3grv4t8OdSaNlB0NxVuCLMLUa4yTV5t6urUZ2r\/sAOyQqmBtCpRbzolYHFp1LJNalj1rntHWX+p1mbc1z5Ze0oGG66dJcsBoiTQPL+vgfXx6KMrsYTfqq4uHbSFtzMjmd4jp\/k5\/Wn85NdqcU1p\/+3uR5+vNUf3rJ6k\/l6R8g91MbVFDDHywVjdZxREQGf\/QzHYed9Xh6uRgzeGe+vo2HhikF659uwqXR8Ck96qrHtNux7FD+P0Nu\/9pvLGv+q2avlkLfFOQEGfHBI2jOLqZUXnOGm07hl4cEKUcfaHTLSVG9\/xgrgKjuWJPvjDUgrT0k1KUgz7O3b40cSV\/0CHNBIGA5w2K0WPqSDMciPq89ODGz8qCyle73ICphfmsUBg8Pg8mdqDOxdiTkUWuoG1kZb96j9v\/anCwCR5vGRj\/myeGsDv3Z2L9L5r3UGowRjrHNszcDM7fm3Kq\/+rSnxk7o9m72qRxmN95c7xwYjIiGrvkX+5Uooix9Ny4B8o396l\/LMkurgnN8P+RFT1Xvtx5FH3XiYvdb9P1UmbhwAfMFD0Bdcq964d6+\/HorgjxLEh\/kNYnlKU4PbenwrTLHZ\/zXFjWhae5WEUGPCu+xrLhJxDoGL7dFWzhdz\/5tUGyqYRuG8dKUUFPZc1R5\/l+gUQK\/6C4kqXO8qk20NOZJvem7EUJ4QVsS2cjqe7jMLlxknJ+VZXaWTNPQtDKiuGDUFD4oINr1bb4ahiBMIgbGr1YHKejVSpxAnKPqVjPG6MRhKPbYMAl6Is8VMTb8tWl2hbFny4bnAy+4XS8XmAeggErxGJtOITjGCeqkZvwnQTfOIAcw7KQ7rjciAxbCIMurPNXXNIR4rvlHfcd2vTaaAwf\/rqmmgQ4UaH7mnkV0zysUDrUIinT9d2Intv4rFVOqBkyx3U8vt0WWtPEu9o516l1I7cplCChykVKkli+pW7wXog7p04LyifgGmSslZr8E3gwjgdVsNrnM46pAMN33pz4b3a0USqmHrYBroUFkLJJaUaDbbIVsArVfdZkf7fc+jLIcSv6YiJ5i1lqmE3ssPzydbP3k6Bc9S\/RroiexHiZ6WOphqEcxTMICljqJUlwJMXxntIxbXM2HIEugVpN6awM6u4KVTMWKTA1tp4mkpAM9Ti\/XUq\/SZNVp7X8vgY9VBt9WU4\/uZnerOaoTKEyBOAXHcr3q+yIRLZRAA\/oSO8U4JjK\/Osn8CCZAisTw5TbqGYE5SolRaw0UsDFLRI1ZAhb1p7AxUMRl\/enSfEqT2ixB5qEaWDJSpAtde0PLtvJ87rPpwbPcEmD5hXaxy9TWwcrFqFCsnuHZ7rjeHtSyZwlEiLpSSxvFJHeY5Y66aGcGJymqSlBei3mW5kaEm8TSN\/4OyvqAtmQHeqbClmo8a+\/HcZ+olhhDHR1xLFTD8eExqAJMscrxy0ORgktxykrkv153CN+3IShOMJRaLPmC4MyqRuKUvY1eZJXcwNghZuHCkHa1LJmWRjiHFwjKJ6QMNqK41CveGqeZxfz1SgFWTUVTEk+jCXuds0z+yL4nCJY\/HK2i3kn86cOd8e5a\/Zl+SjvnDh7iSwIC2En\/zCTi5fYJKWA7j9JrdjtN8X5cf2IjS3XByNTSmNfkjFDEdxiMZnLK1eGw7CK7nlBIsWA18b+hnZR+DFxXAlF297EkNUqEEeOY3MZkbUUHJ7rN7uQE5mZjqVq9TUb3nICz7rHpNJl1ZC7FA4zqMcZzujCM00wH2Wpca7xftXDYVeUaFmY5rNEtf\/2zumRycBk97L26boPiCVOH\/S\/2wQkGLzBcrUZ3kipGaZAKwkq93Wb5f6NG0tvsgMEEGgnBh2Ovp+DUzR7lTM8e1RPzIJOgHY0VTG7Tt7mafa1kS1fD546FjBhFcIJnuNewd5MWgvxFZpxCUMK7RTmphkrpE9ta3SclSnElZTqdvr54IOGC62ImemNZPX6etbhu1uKUhGGquAq\/TNF\/Yv\/GD5PJrIStnN7SL1OEyc1dQx5\/DXnStS92h6K6w7gAfgJD8cVUPx1LXTKZ0W3muPqF3GF8FG4uybqaDcsDNM2sbx\/FeZOao9loIC+rfwt3GXkNpmH\/S3PJohKGMFShRkdo6ntFaAQ1rMvcKbkjLc+kRDvsS521PE8eY4HlJ9sxNey3+uQgjBzdMV\/fdAf7nMuQcAZxOkgCBZ7Y4wYo0+zr3UI4n0tv0rWILwLDh+UbhOmEjGafEguOFuwpe0tvk4KQZmnvucS5TWIKUFxggI6KMs72mq39TbMEYBdjuivGcVmFuZoQTDTC5yyEXx6OSeajDVzfAccc+AcWSOUCUuNDujEFxktD0nqJ29fIYPIBU4IMO3NTQeDNfrm\/ocO1QIsdm3+rqa49\/egnktZmRFN1hgNBVKwskARV8TEH5WDI8\/ztXDeVCLA8eNGSEqBtqbZemBaQSL26I+LWUqOoOb98xQoCrE+OS2JvBUm2ur3CoMxyA0ZRvV6MIgAJ4qEJJXLNVRE1J3CBXx7yOD0+fPtKwmN76OidcTJiXTIlCdOqpqsG6ZTIdbvylRM+vm+ohyPF5VpEwccYHo9dYzNs2U2dP6AbSlfNjDFAlU+pmw8gv7wfltlPyPg8GNc\/dKL0x\/x3ovhH0ZQ6LgxKYovwWezDpLgNBT0JUQBVsDGJqFnsA448q6OygSekMjoYlitKeeXYplRmd2pNfaIZwOF9ydGMCnQyXet6D6SMzOj\/mWXnwbhfIYQUM6pDya3s1WHEiCZLNKVW6A8NRmOUAGl5oJRx6jTSrITyiTHsscQYtsCvhkmHof3KymyGhmNzJ2D+\/DSqTGqLSE9ddZ2hj18ekgyE+EbrAvh2EspUI77GyAvdmUDlnfNoLSVj7MM4f8rLZDVKNdXgjPYETcA8z\/KHb93Y0W686FpuG8UhnKozYX1TWPmal7jpTKrsBC2Q1ANZRHDm41G\/I6JpaXUqfQ40zgxdyqg2eIYgeLqpRnfBbGNa3hsN9F3OA3cc+qw7Z0tQUiZMh72ut5Jzp0eqslBhRF7Skwu5w6B0XKykmsunKW53wWnMP02ueS0sl1jXqOLw9mmzVuTBdKtnJzNSZ89RXC+\/Nzsrsz+OTsqV9bWQuxLELljsRSGEoKAPXkmKq+NRafIUJP7ERXnjE6e+wpwEBhs+PIHXGE0aulNAnHZ7LNWf86X8uE24lxY35aNVewNIuL4iZqsPTXTS+YGO2VEHV0HqZG5EUe6tu+0fkzOJK1AoojGrfYxEjs6S2zL27b5rQY0hC9G9mLUdVT7doFnHShpFFpUT8d2dyzuO4lSg5GI5\/wHSO0QYCqkgE\/LjjDpx2fFvG\/PxdtafxyVJRfMUt45bnSvjViepxrt10AmUn9hNHEoVhlJm2ivM4+gDyam9IfxamJWlZFDKG5WA5jDuB3QYs\/mQsvbSrda+HG0CtTmlvZapM0eRmvddLnMkW9Rcg9Q0Lj8N35Ym68nPu5xNUP30HQZruTMG9c7wpwe+mv3RrofFYvSSnA5pGodU6fO8nCDXztn5JOXvaPzGHC6p0W3wakC1GUBqf6JFclLWWi96l\/SkSBEqsMzD521+LH7wOVAw8qYwpd96t5MfcanEB1UMkmqxqxs0bEqG1ZOgwKUWEuP6NdnpTWpzn2tXfKng91LuV437f0csU+AfPygrRrkUtCHnHM+ISdLOfUP+5Updw1hfNoSJbUlbDQftgtawXdBazRo0xgAozAHeDXjZctpNT36\/J\/GtN5mVNZsH06W5HH3mnS4+XRcDDEcAOB307kMD9C2ZZq6Ctn03omuS0IatKH6HoQDF1bbcjbt1PNfr6IZe33gPv9cTXxK+nnqyYwkR1u5R9Sm277Ajs0f\/LoIcwvQ2pd8yKFrR5b5QHXwmIAlORWhK0z4OH+mVIPk4bZwrRmk2Y4oQlJj3kwEW7h43mN0MA2Z\/oYspRBeDmQS6GPqRNLoY+bFSdDGY9aGLKQIRaxtQBSIGM1VYXy1tPNaXPMhXs8nUgHzBbBGQLynfBBniJZDBYCaDDIYGSuZHUshgMEOmn6WgwWCmGhqMTEQ1smSoqj4sjw2G22YN6u0ekant58AGw8N3llrcC2KDVQt6DFfL\/J8XVasagWVRtYSNIKk8SWD48E1XUh8sSiQ1oQp5quXMLmjf\/wiYLdLuzwWzVdH0F8zWQjBbaHx\/AMwWxX39WJgtmP0FaPHTAFqQyVjGS6Wq+x8NEwKxL6owIUhdzZqfjQnB1vfTYEJwZP3UmBAsrf84mBCI3h+MCQGzuzEhiNpXGCagwMkOZlJoEVNzhP8IBIiqS5X2GgTll4ccFhDx58I9gMZXag\/04T+wkyviSFirWstd5PpW+5vmrH48XETdP9omWJQgeOnaBD1kFDRFuBEHGlhCmoQKxAF9d0Iu0+RQAOryoA8wM6IElDzqgzhxWz0WQZ4VBco7I9PcD4u7RW3fF3draoZlm7\/MwtseF07UR9naooxNihhFuRBRmI2HiNqfGiL6\/5vY0HrOPjEEEmbGJc98OAomfG+Q4OSAA\/7yWXuSIzctkvOnDeLEfG7wjxR4RCj+ihUkaj3gZC0g41jVUlfR58dAVVaZ8U3HzvoCnccBUD1hN0sFIcnSSc7NLB2WCyk2diyIZpZ1hwqi6aVvLH5mnnmpeJMKOO4o6mwFQFOYnAqyu9fZRQK9m1aTzicxLqVHjMunfGf09FhckUxncnDuQbanJmA6WyxLguazDlydSZZ0JpCyWBY3nvueaD6Yd4qeufuxPgoJ24uSnv7GsryyRyC+jQt9zq8jBCTxCeTidvjZUG66Qa20\/PS1+PKASpAlcobvkqDWIEsLmJZttbdGffbw323vn01Ne5Clf0\/ioed6CBnZZZo2ssthauvgNFEvN2xzbSWJqUvrsCy0Kj6k0iO8DWtsbPeTb6LsomXXEt+WnGuOMFxzbpYDxObSRhQuvlrxnEqRd5QEBXEWMAgnR8bePp1VkGwsvs9BeOFbHRFUOXigg4liZ9U4pCRHzZ+fWgTt7E8MVa2a+580VLXq3c8dqoo86vzkrZHVjXd5e0vpJ7fWZpiAS4G0lNWn5e+k0k+0AFzQmzf6bGd8cXr1rwtwsIgg5IBZnvQyXN0ma2Tvsr4dul19hXkZByCpS8vsIkt+GdKWbu7GHII3lfabueTZa9de071LO1YAl9uy9jgiWXcPuVu5PfQ\/Txx1bYNfJCi11jn\/9HHUXRVmjSihNoa6dvBXrQpWEwzdum4utRrUx8reYReXipXleBZdmivQZx4znxzaiaKP1Id2PqfvJyOKj6JoI4IEM8qVI0s9GohZVkoputnQHMyzjqRg6Rf+91iDbXEZ8oj82hx6WVlm50ljIdUfFFQ56pPRvTJdkxOnyInedKsx\/syD5qko1NAdTiMyWb0Cvgjh\/XwtYbia1fhzeRkEj59XeRfvaSax5xsnyHSdJxbpDQ49Ql8SnfzHJv8FQUA+IGGXfEIYS+2n9g0fpCH5VPyxmgPBRMiQ+RUi6NaXM6Xebo2fBJdsRI5Oe7Q9NQ2h8e\/JPkF2Cd9K\/R39EOQ5OiUczZFqG02x7HSgH3foxlV2KH5eS1GH1t09IyM3BqcsEaT8afxmhvOCKOppmJUjGXtkq8WzxFZN5kjuQPnjdud42JLt9NJ9mLjk5Bp+SbPgZcpykD7\/\/Oxdl\/wdOSruWatLHpANQd3jyJXciqjK7rwPdlHxgZPfFHMrPsjVbsEAXESKTNrIg9F6TYaHt6uSakFgb9QpvPyIgUK9xRnv\/jzocJYdmIoBrM85zGX+ySgiQiybHpQUOYgUItgxS0FOPiyyJLt15I61J6PSqMlqNsOeBz+5s8oqiMGyPv4HCmMAIQr1wivl7kjgoao07FdfvB51xFv\/qgdZCPVLDvUXP9QLcL7olYPWjVHK\/heYhyAF+sM\/ly9xWmSp9r9\/XGCewCOSwR70\/wxO2Rno\/5zHINFRCJ5RIOBX7X+Jz5csL0FazhmO8KNI4HsMFAwHV5XkcDz8nxeY\/q+kquBBr0dnoe7XZxhGkMXy0EVPYj0M9bDUy1AvTzrez39csxLqUXysrBf6ydIJHsvJ1U9r\/eQhIchIYAjxB\/gB\/Tx703GsQY1WssIjoqYRtmLt19UNwbPVpx3qHZ4G3Zq1WagjnRueIbJrIhGUDHUlELv5swfPjSc8phO9pFurlaIpZUEx5s4q4IZ8deNBN0hP6rMgN9jnuvlsruFZVeeIdgpFinAdG1gqbVdXjHkI1aKULKItm08YqUcpablgCUtQhqtRRNgpPp4SVB+xBBQVdR2qVv1QRu2iw7wOBRKG9tUZ5C\/MrurgHbl33849PUji9AV1ACxHK1KyDgCdq54TDCaFpgR\/0Beos4tU5agfMuXjgoPwq6UK9AqVq0HjyrMEfnkgpQ\/f6u8l8B++rarofmaBEGcadd29s483tvr9YxSF4G5tLssEgfwFmxZyUKBoWdY3f\/9o4n8OnOzKlbOS1j4\/+uDJXq\/1+v\/m83q9OnQ0LIh+9M9BIG2xzyqUwaq\/RFIyiuAEz9jDKX+ZxzSghTIwBjQl9Bgw5aIxMHX89+wJO08PId95+lndeVQSBFznMfFzel+U2cVobG5ou\/+qq61O0sN3vFqCW8jZC+kdx9sW6WedsCHsbqvq+AmhEZ\/Bsbkl4\/NRv8RBec2h\/hqHEKX1RsdpnODM5UTSXqT137Ef4K9fHlp7JXnIBOaQos4o3UlGizLX4si12HIt3pwIWy6\/1p\/K9r2wwpurWSAhF7y6nT4uJ1i7TB+MN+i\/xKVRl+JC8gV5GiTxOUbeRyAv9ponYW5YrJcUK0X16QzSK0j4lDV+DsGL8ZblIeEyqlKQgDSAP0uHquu2PDU3biWT9HZGAeUMRavaW44WctHnlzh4gTnhoMVykvlsunejEzbE4Hb\/v\/audcdtHEu\/iuBggHKvVC3Llzj2JphO+jo9nW4kPdgdZGoWtEXbqpIltyQ7VTHyXPt\/n2zBiySSoiyZpFwVoDtAV5UvPIcUyXP\/zh+cYo5\/pLgQwR181yM\/39Cf39Cf054SRVQccIqi637z+l+e631PyHjf\/8t1X78WePi2p7z85XbhNkkzUz380wAr+bM\/l2L5IJQnL9n5J558OcX8iZOfL3pK2mC4wcl1s8H1eDzPX0FpJGgTI9hK\/BoJzRevT3Ldgr5OYimz8\/O7ybRB0j83DvQBffFG9et00wMtsud\/nXxvrzfbfdI\/8hhls95Pr3+xfgvhvfUeRKn1TQIWyJfIv9yze2\/jLBY+8h6uY2j946fC79r7AcJPwPotiXuM+3FeUswDLhcliiIcF6NYHomp5ESMxtIjMZYfiXGRAvwQZRuYBmmR5oKz1YT3GBhq8tYBIWVFmRPttzAJlkhhj1DCQbTfpkRy0\/wuFFxB8kdFCuanCPtrn\/3P2dtTd4DiPOkxoD5AcbL0GGAGqKoDcxHXWCVsXq50kF7hCEMRXUChhgNIbKTKY70Ev41+2UcB\/hntt3bRngG9e5P\/ud\/e2B+WIUjTr1728Fs99oV9FHB\/R\/tt7+b8NXp8li1leVPusD8XXn3hFSRuebL+XHj1heeVBkGa\/hJHsShGC9G5D\/DHcaDe7r3\/Hn3YeQfX+xAkPftNHKVxCFK7+Ey1AmYfBYhZZxH4wcwK0OczvYuvGskgnlcqi2\/0TndHo+9b8s4n2xZOYV7dsMeu2+czUIpPltqKjbSVvtZSL2yiyCAj3C\/7UIRwDSNfb527GHrfhuvTK0y\/iRZYa+VO+5y0Vq6LofdtuD7W7jikMNuD66neml1vQOqUAchct7ULJyQbnKRvoktP8jbzLn7hZa94xYCa+aXwun+Uda3WuipZJJ82Wobyp03VUH4L7\/ep9RtCCH3\/piLzqi\/17N5vQbT+HkRr8u6PQQLWQUTtyx9e9+zeLwGC54xXmfVP8CMMOAP0zd9+Jt97H++TJbR+BFFJ6rR5\/fRZJWrEk+azNOWfy0z5M51b3VnypCcKcmOjA5MEy4wWUe+zuMiRTLYgVD1IetcIM0Cnhi2i86ear67m81deGzUfHZonpeLTLWBITZ60VZP7+mEwfgIGVNCJsgpKedBU5p7rUf8ylY5bvaDALWjyzv\/tN4lE5GQg+\/fP4G5v\/RBnm2CJnNVve3bvn\/kLPfsXGCQPsSgdEYVzXPePyJHMr\/847KhoCo\/h82+tKcxRJCD\/JO5dtdskqIueseB5vuH1dAtmgE51i9s\/fbdaugV\/s7XRLdAxe1K6xS14FBecTLeoO51aE3tUt9cteEyd4xZ8wTrHXaylc9zFTTrHz+8kIvWb3S6E1vtvc+n5FqIj\/AsI1\/uoEKCC5EQDnaNadE9YpkF0SvULVhTYO+cOwp0DwtCwOnAXa6oDzACdqgOIzp\/qgLo6wF86bdQBdJielDpAt8BTUAe0JvCoYp\/y8Ehin1L\/MsX+JtAS+5ugSex\/Cw8gAmuQBCez5LiP\/RxvgiiOE\/7VtwEyKQHOoDtH\/l+QA5kicBnyjEYwftIJg6q7VE+iMwN0KtERnT8lurpE5++TNhKdPSFPSrLTrfCl5NpQdh9VjlMedOX42UtAqC8iLVG4iCSh\/uJ6fw2jNQhlIqC461+DaB2CswRdR+PToLrxwdWE1EgupEZPTUgtIk0hxQzQqZBCdP4UUupCij\/pciElOTxPSjrRPWBIOo26lk6UXQPSaaQsnSgPF5dOpPwToTSIexpv4nx7o7\/oElSutgws0C7Dd5vGPUcKYn1ytsIsKYmjHXnTP5rZoAQh1wFJXui63MAD\/sUPGJrbAPWzvbGvw\/0SlYvjzxPUGeE1hLpTvIQGS+JI+GD+KvfRbXyA0gH3O\/Jyv+jMeEyXAMkXZ3A+fGNeXI+L6ilCV1FpH6wSsCVPPozXMfO843IFtmAXBosErkNnC3b4w6tgjb5Olg8kGf5tC3ZVlpUECXpGCHYdNXh2UA1+AleYRP47+LBJ4OrfL3vPVlECV8hzURAWOwkSUG31FaRrkjh3QUahLwjaubP1ZwjamX3pPp2N8pcI+ruzAmk2G3juNiUvQ5Di3goIyMKfLfeLYOks4KcAJlfutYcBMQYUDmOZBKSpCMoUnBFci21wfxVEVpqsFyWgSv7BvjXw\/mJjOb4DCe7xhd\/\/Yw+ibL81g7tHl4L8sYnT\/NcMAW6QFQpyTA6R4Jx9l0xL+Ah+sfhc3QCLujeWdW9Qxa7m3Tgq36H4I04Q3WktkPUVgYfjwIH6GFPCT+KdswrCDMHsY60xx2QQ38VvEvAT2oBV4UQVbO32i+Zus00NXE50oEE6OY8jOpHgiCrgtSY7ESVfcxYqLFig0rY530UCkJWDgm13EUxTAhmK3y6wrQqAI5Xm65iPOsApr4rySuCuBIbt5T5B18MbNJ1+X4rNJXR28FR5vY5Wzj5wFhntEMXCfakBK\/Ojks1NtZKXPXp6ezeVZ6VxrpuIFvtKQlYT2f8k3TW6futo6m12HL4hnZ8xmubMKjpi3M+Llke0OUX+tzd12f6TBG6G6a2BO+L8lfYfh4mFiF2hPkQF7u1UCfc2Z5chNcTQtydoEWbNEEPtOD4rrbIcgzhncXc\/L+5NrktJscZOLSIxajuzzK5c3NLEleMR551eXCXeg2PO54RlFP3BtIEsW0gUeN7s7VNF885fQTfSEoUQ8S3Pvnobo6njl5UYR1bwsamR2rxbawczsoFJXO6j0RQDd49ctasWj+YglHAZZjg+D6eOg+uNVI9DSbixZ9X1GCHxcD2sCH9jtG24Xj0qcUfZsk5GZFmnqmcUPsAkFnvUo\/\/REDc+SrVtVdFDHXjctUguQvY4o8ZnrBdRg08rDKz\/sMJA0uD5\/\/63l\/f1S+hhre3Yp4qrXvIBjicGnhvTBQpyFI\/SuPx1kn0IRfWTnhrcbzm\/+dxqXykWgl+inKmZYeUmt6539PSR5nOsLJ4uNwzevPlVKck6IUvYGym0c0QDIqBedqCJy8wAHRjc1IA1LqYy46ILzd8BS\/yphjsgP+8l1+RGVxOvK7DM0nad0BO4gyC7wmm2qyCz6f06QHD9+I7tFywNFbtDqE\/hlR8c+JYEpGkF6VNxkUZrOSuWnx3ZMzpSlLR0MJ9poSe2CjZ\/4HCHpHN7elxodRFvUtXj5H71bE4R6HdkGpTMnWZnJLKjtxT8vscXGN735CrTGxtf\/FuIsl7ljXuJ3uFak862YjHH2SpI8nbFLF81vhJ1gsgdLM62VYdrDV0GE0bnQtYtsxDzXXORwqVoJpx9f3ek+3OsEVX7s+ocSXdPtg+OxyoxSG+eKt7Y+eh4g6ZwSbx0VGminZRyyWj+vBTUd1Vqore0C\/Ul3YVBdmmrkBBt08VYZg+qm2tJ\/DGVntaKlXURHQix8yoM2glGZAVLV4MKD75T7+W0JzQJJyjaIOMFG+YXX6MTpak7PDUJmx0u6rxnNaraRNabtQMTEvNQZxIXDRXNGcU5wRqjuCZuwTTgUKd6T8482dMzy5ufqSRr3nWYh20dDyP21jW0cZXYXMIwTB3PVv\/uUOO7o3bd5U9IhslI2Xv+RKdeZ5R0JR\/pVBrYGYrsdDdzM\/YPosWbPcrDWBv1B21tRkfeFJrqcLI7XvYWw0SbjbwBcYt143BAPDj745O4Kh2UD9TS\/ca726WKdidsgsRPZUo2VjJ071sN\/wdhzOStN3BdLWZoQsrL3rB3c+79p\/xsTFxKIPGtzfAoHL+pznA7ziM5FbwJqh7K5SbYtXJXT2RHxXRkKs0qaXmYo9qg2eRc2wKFweUNShrzmSSB8fMniRM0\/DijqXBxBF\/2SGD\/wDcSYhNS6Pt9M+SCaBXXkULvGSKzBHv0vTpK9G1DxIidUkdL2aMoIxXBfZaAsI6WdlD0j\/B49o42LqKwMSi5FfwgIT6xmUUu4Pl5mT9DnPgD0h1cZg62JWeWN3Ctry3vxfPyOsHxMA87wcsUszZei6KZvZCVVny+SMnt12YGFm3lO9CU0Loir4iwtrSy2ilC8PiWcRYw+whhRLUDT\/WKx0RPBKeHXjUUiRMPOoxKE6buRG1Z7xofeHBbKVHa73YwWSK8r05OCeMxGkhiz8ORzHEkBKPdcWUyjnvtDuuEUuEHEiBLQPTwcQMTqDGb0iM6GEn04WE1kj7qJpJO2OG1+VJVLrURsjvZBELqph0JG7grl2fJKDq10XmXtytXR7y6J089oIaeO2AmgDr5iveD1M3Y4mrV5YM4I1lRRGl24HCFwGdFXbnFhPgdjjN0ZOtQJmoMHA9Hy2pS4RRDHyAIyzljdb2rqXGUyLYqE1nTLFjePczJ+SwT+1IYrmheH1Ye+EbyrnvYWA6WWn0mpZXPIS7SV0h70gVI8tlkmyBSWrQsXjpbYdVUBxJcTjg9rEUAChWGdXeTZfHSCoNSJCsPAtoFsYb1QaxyMdBn0CJNeH8NXQqc1lyzOEx5U5MMGzbKMIMhF7xCbZIQazVU\/F31Zww+oNiZQ7OrX\/Z2uImtbWq4LNljU7Z8Kqfv7QYdR1SelM9uZNSu4rUNVd0c8ZXuF8WZ83I\/EZY3xv0rlBx7QOmVXCSN0OM2YqLGsws4RcnlWizDiEs+NGz5qTP4ihZ7C+abzD3VYNIh8ZrfPyP+9qfpHfskRSu8i3E7w6pIEKMLF4hOc2swm+W1iD7MQBCmzhYkd6wupbVNSzrd17CpM\/kh3sHoptgWF8qywKTlugRJm1WdE9Kkjozm51YVKkUvM9iRpC1Op\/amQrnDtJTmXa9hwdKJ3HiUoj4\/L+2LPZbLEGx3V2jh7OHho42OuTavRQI8e\/yfKzv\/AQ4cgpYBAHIzFQsyeSo5ErskTqGYD6g+krVT0oX4AE0l3\/N5Ve2cdOM6wSK9YGbkcpaQw7pNpsolZJ6wZQoXJS8MFyCFaNKsD3jkCsma4lJ5kxY+M0\/qMvOaXGZqsy0jedQ9imfKPt0XLVgeSlkedMPyiNuN4mYcX0ZhiPbbI1viec5FMRRZHNWxSBXyih9NMQSJyifY8qKpmFvsCovZVTYuzmOvy3KWpit0kVOOFM+TudZsvik1wpUD54gY54OQhLrHHS23H7ZzW\/Aei5OlfJr59hq5HH5Y607EdSV8PonieqEyqTLRuChccc1Ec9zpRaM5aDq+LB+c2KIDV0k3PTsJrKvtUPOsSMzqUko3WWOeDVc1UycMa68lUjolJMGzIU16TVWn2c4BB0N4ABoJYFyi4ERykY8V78+7bcuKhmW8R24FJ4HYCCbfvUi87G7busoBVzBJHMSTapXDVHEbFwsRRMsEbrGnhnCpPrlqRT0lckU+YvtwGWxB6IQEk9D5BJNYcCiODBdNKM6mth5CVlLdgQJ5t62m6Le1VUc7uWdOI+WggwXensY\/UHPjBJH\/hCqbEDvozOvXJBm1YRFbbEBPdztpJHhiVgLfbIBCHr03mDLC897FJnZ4y2PCQVU0wMdNOriOVhHrd3OvnyN\/A0fXnR9gQsAY87YY+x1MGq8ajfWPLCBHTONiCoo7E9mgKfsQppz3xniECtOzWisINZkRAw42R1k3aIgaNweNTV5XeGXODWJ2oBWw3CD9+PxLS75Zubj+RHGR\/Dg4f4FMZtGtgjV3WjigOxJDmfNYDwoYK3PSmyyI0sCHMwsc4sA3LBoRlvTpxDvq8hipk3A+bkB24XopRDZNljXl9efsmnaXgQ6Yw2Fdk7CLs6pz0jjvqUyDonFSNfSi+2MOvdcYZhfg+Bj4PiXSGHalibhxqij97Pz7ixA152AFi+NZWLnDGh40j8YBhOffnTI+NCFjkqMwqB4gTJJamW+rfxdB5lvZ5ijqddvA9xXPGT9wnoU\/+ksl3qE6+jIfdIzKL0oP4gtVuYo4PqyPxXWnKlj2EULY9q08YULIclFLZg0iTuaOvCq4rNrtkGD1ht+Mi7VWdY+\/hkcJ0qnUgJPimyqTJTVMH1\/23v\/+7te3P\/RuqtetzkGLYh9ayyBZhlCyZDnatny+hb9VuN7VGUHDPoHLjPQEUcuucJtrLDt3ABL+OXOsbVmmmj8MPtT0ZSjQKjkczYYCJW33HHyonpqSpmMSuYyl9cuv33737pvfv+OplWDP2gT+67tvfq4bnFnUfK\/5IN1AX1G58SX1FQ3wEgOc2k+Ap1QDyZiuFYgadCHBzNQVeprskScSR2XWdG1NaRmU6qoWJluEHzloWFK8yabklrbyPbU8TJqd2SI8srTLmYZgl0Jcc4p\/kye\/dovBnS1CizZYOtKfDrG\/s3gnYP15uZeD6orIqaFLlFSX8dtZe0xa4gwf4AJBVwspQwaGJy842fERso8QJ9lGjHp7GlHv4ho432as5Iadm+8g7qeKo5lMw3xmPlpFNQMKfzU3cww+hn7zYqAz2YX\/iJvSWVb7SJbkIm2oeJGCGPxUiy4Hyo9X6JPQpIvqn2dcaJv5x3MAA4UNppjDHrCosqVHVBnUJcigRUsnju01ESPQBuoMGyuAKROGv8hSGHYxOqyE4cg80UIYdiOTehjrwvUwiAPc2lKKqsXFAhlYeVUFZ5dIQZ7JyCM2npTryBc63Sw8qk4koyGRhwdC2iUQOzPqomjzfYokHgzhEgUrwlD9CfN9Dk5Cu6k6J1Wbt+SplJKNZvjpK7tdA5+v7BINvUpzKPzQy1dhGAa7NEilDaLMBKW1bmQ0R36HsK6qvLBcrYHVojIovl92IZJo\/HbIS8dcxlEldvGp7gi2Vr1hD9yn\/A3AfrUpH8GEuz1Y0Nr1Gj9Enclk\/okHi6cqEoOF2PnMYzufeRrRkx2IYIiLapwFSINUcNNMRK9xKZa+BB2zmOEHcgndGNChijEbcq6VXY3BAR5ZJXbAlbU+fhqvHyKLaRaCvPvG0QiUIR0ZXCg2gFAqEpUKHaIFMo+E9s9za7aw\/CxoF\/NoAGGTqZ8LzKpMqYrfkmf+8Pn2pKCiob+uOdwUylsufcxjo1ACHxIYIpjHe4QnyTqacC889ZEfxwlKSMPtLnto6uisJurSdC\/1i3gNgFkv1EGlCM26+raRWwMr5Mo7R6olZ21guDoXxJlvvxaGp\/qvmU+t3SVBlDlxFD4YEKo7kDD1ZEWNeaXo\/LzMxlxZVNuJWzzDSlGYCRm\/DBHCQKW1khStl7aPXkh0Xt3W0oQPMWpziso8Rr7m7IFkq+vQlPRDKoEyJm2AMgzNflfb\/LEVZXZFpmOtp1A2fLRa9Bk\/uVswZ3VsL9a1UV9jO6rNXE61L+cmwjPLGlnqGeeEUZ2G7ot1vzvybddG\/SGJjT5PJxNxSXAFnlZjMtFZefPMQfr81y30A2Bd7RK4gknqJNDfL6HvbGOi9pG\/leS99dUROzkCplqAph0s4AYcArTYOMsv54IIgvNI0V4DibPbL26OvGo0e7bC\/80FI7fyel4YXHkDm2+zZ6vRarQazzllVfgsLxFnyXoBrlwb\/7sejPrzE3KT\/\/CQfpbVIWfPXPzfXOIemj0bAPRvLhids2cjgP7NGccJ+uxoBeg45QHjx2f2fTFJDv32erzLqnjCnzUe3KtZFGdXaNf08W\/pYd03oO4gGFNbGarL1mglbCsr\/bZa9iQ+O7aOB9bW8vDbyhekrey9MaAPS5Rr9RQddJWzWo5QzWcE6VgAfnTVAeM0x0DYa7Z2S9HBaJdpMCCgwNlGIeV4bKtsLjzZs5muqOJ8ZX6mCunFuycyWmYGVhlyf+EqM1X4LF51MDayFlybrdp83lbFUrA16qBbyM15nOw2ACMrozBU\/BH9pr6uGtzaOs1vbSOwXco3+SpYq2ZDfbSVMUNsDWAFWxWExlZtRqXcbc9W7rBg6+dYVYtmNdJKEZhpIUszsAgh3rwwcZCNv1MfOTHJ6MejmcpQlJnN3EBTdAHpQZnayl5HsjwEYmdmIVWX8zK6XGMQV9m7ybart1V1o1f8pNkxhXkoV6mRBhlsNofnbre8hEWLpJ3bRUwrmtrVN6HmSlMgXf3kRDYY67KtBDIE36i4c1HalzzziT0YSLdh\/HyaOBjgwyaBq3+\/7G2ybNe7mc3w8yxxpXrWf\/YskGXJFfpc3+q96p3lxnmOFYm6zC3TwBGX62qNMVHqqrMU28AtsrL6oi7QXZP6yoS\/p3zC65CNqrpcnkab5CBZXgZ6vLOxSwb7eiDNSxfy0BEMrTuGWy61i2Z2kVVsxsfj0pBImlGer8s478ovEOdwyR3xEzorkGb98lUIUkh0O5D4fZv1K5\/5VYXvqG+UmrwkQ2lJSulDBWt+kCJtRUGmFZ5v3O8jH6coXcvdwS5uCUa2QBSj6HkYf1QpHzwnonIi\/NYiRGEmVNDEL8lcwFK0eAr9k5MgyQwNvKpmPDSyizyQB3gOv+Qb5nhhgyryRTAWQG7moObxnWKrqBqVrJlGrkoNr+tNnGZF+Mlc2dNpcvJlaSs2OlwOH0RrmIg7B\/\/f2Qb3V0Fkpcl6UV6+yyTANWR9azT+i80ItMpNUnzSOLPt74icByeNV5kGI68QsAcxHXDuCtVMCCg\/wm5X08LI8MBfQ0VBgzpTt1W4kGY1uR7xuhVuHVvqVlOZanVmvbcsF7vUt5BbrqpxEaVb0Ljk1Z4iuLW8mE2uc1VVt88a6y4whuMP4hQ4S+N09SOT1mr6WgIFtAlqz3yTY+9qbDrJaIXF1evRBH\/mpDCg73SbvHjxgs+MZPU5M4dK3j\/cyKy5huSizqHZirzCe9El3BDrZddx8crW6zdeZZxev+Y4LwY8mpY2Iu+kA7whvmk7eYFnnUbyFX7z7u6GOC6axQs867WJr3BdNIo3xHbZeL5eOpji\/Y89iLL91hjvxXgi7\/SN\/mddOsT0yI1RHbaxdbtLYJoyxq1czZf1sTSVu00YAol\/rFGXiz71rbWafrP7SJFPPzgEflETNuPyfjup+uUSYEsVbIAUsGuvnQo2mKipYIrcMqH6JqWJlgRIcELyJlds8HdwPRh3sfkww+R0hfCAiiJIp1gmEuRNlX1R1dFpTgNHYGCSADpN\/OjjKigH7cmlSBR3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8px;text-align:left;vertical-align:top;border-bottom:1px solid;border-color:inherit}#nxe-nr-gcri-editions-sr-06-coupled-system.nxe svg{display:none}#nxe-nr-gcri-editions-sr-06-coupled-system.nxe svg.nx-i{display:inline-block;width:18px;height:18px;vertical-align:-3px}#nxe-nr-gcri-editions-sr-06-coupled-system.nxe :where([role=\"tablist\"],[role=\"toolbar\"],[hidden],button,.nx-theme-toggle,.nx-live-slot){display:none}#nxe-nr-gcri-editions-sr-06-coupled-system.nxe img{max-width:100%;height:auto}<\/style><svg class=\"nx-defs\" aria-hidden=\"true\" focusable=\"false\" width=\"0\" height=\"0\"><defs><linearGradient id=\"nx-gi\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"1\"><stop offset=\"0\" class=\"nx-gi-a\"\/><stop offset=\"0.55\" class=\"nx-gi-b\"\/><stop offset=\"1\" class=\"nx-gi-c\"\/><\/linearGradient><linearGradient id=\"nx-giu\" gradientUnits=\"userSpaceOnUse\" x1=\"0\" y1=\"0\" x2=\"800\" y2=\"0\"><stop offset=\"0\" class=\"nx-gi-a\"\/><stop offset=\"0.55\" class=\"nx-gi-b\"\/><stop offset=\"1\" class=\"nx-gi-c\"\/><\/linearGradient><linearGradient id=\"nx-gp\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"1\"><stop offset=\"0\" class=\"nx-gp-a\"\/><stop offset=\"1\" class=\"nx-gp-b\"\/><\/linearGradient><\/defs><\/svg><div class=\"nrp\"><div class=\"nrp-wrap\"><p class=\"nrj-draft\" data-nrj-shared=\"draft\" role=\"note\"><strong>Draft, not yet released.<\/strong> In stewardship review. Not indexed until the first approved release.<\/p><div class=\"nrp-reader\"><nav class=\"nrp-rail\" aria-label=\"Contents of Insurance, Protection Gaps and Insurability 2026\"><p class=\"nf-ui-eyebrow\">Contents<\/p><ol class=\"nrp-toc\"><li><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/\"><span class=\"nrp-toc-n\">\u00b7<\/span><span>Edition home<\/span><\/a><\/li><li><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/summary\/\"><span class=\"nrp-toc-n\">\u00b7<\/span><span>Executive summary<\/span><\/a><\/li><li><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/coupled-system\/\" aria-current=\"page\"><span class=\"nrp-toc-n\">1<\/span><span>Protection gaps are shared risk<\/span><\/a><ol class=\"nrp-toc-sub\"><li><a href=\"#nx-nrp-sr-06-c1-s1\">1.1 The questions this part answers<\/a><\/li><li><a href=\"#nx-nrp-sr-06-c1-s2\">1.2 The argument<\/a><\/li><li><a href=\"#nx-nrp-sr-06-c1-s3\">1.3 Twenty couplings between five systems<\/a><\/li><\/ol><\/li><li><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/findings\/\"><span class=\"nrp-toc-n\">2<\/span><span>Key findings<\/span><\/a><\/li><li><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/systems-and-sectors\/\"><span class=\"nrp-toc-n\">3<\/span><span>Systems and sectors at baseline<\/span><\/a><\/li><li><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/risk-and-capability\/\"><span class=\"nrp-toc-n\">4<\/span><span>Risks and capability<\/span><\/a><\/li><li><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/scenario\/\"><span class=\"nrp-toc-n\">5<\/span><span>Large insured loss that meets soft pricing and thin backstops<\/span><\/a><\/li><li><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/lenses-and-readings\/\"><span class=\"nrp-toc-n\">6<\/span><span>Readings from the other desks<\/span><\/a><\/li><li><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/agenda\/\"><span class=\"nrp-toc-n\">7<\/span><span>The 2027 agenda<\/span><\/a><\/li><li><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/systems-in-depth\/\"><span class=\"nrp-toc-n\">8<\/span><span>Systems in depth<\/span><\/a><\/li><li><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/methodology\/\"><span class=\"nrp-toc-n\">A<\/span><span>Methodology<\/span><\/a><\/li><li><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/data\/\"><span class=\"nrp-toc-n\">B<\/span><span>Data appendix<\/span><\/a><\/li><li><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/references\/\"><span class=\"nrp-toc-n\">C<\/span><span>References and record<\/span><\/a><\/li><li><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/full\/\"><span class=\"nrp-toc-n\">\u00b7<\/span><span>Complete edition, for print<\/span><\/a><\/li><\/ol><div class=\"nrp-actions\"><a class=\"nf-ui-btn\" data-variant=\"secondary\" href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/full\/\"><svg class=\"nrp-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M6 18H4a2 2 0 0 1-2-2v-5a2 2 0 0 1 2-2h16a2 2 0 0 1 2 2v5a2 2 0 0 1-2 2h-2\"\/><path d=\"M6 9V3a1 1 0 0 1 1-1h10a1 1 0 0 1 1 1v6\"\/><rect x=\"6\" y=\"14\" width=\"12\" height=\"8\" rx=\"1\"\/><\/svg>Print or save as PDF<\/a><\/div><\/nav><article class=\"nrp-flow\" aria-labelledby=\"nx-nrp-sr-06-c1-top\"><header class=\"nrp-chap-head\" id=\"nx-nrp-sr-06-c1-top\"><ul class=\"nrp-eyerow\"><li class=\"nf-ui-eyebrow\"><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/\">Insurance, Protection Gaps and Insurability 2026<\/a><\/li><li class=\"nf-ui-eyebrow\">Chapter 1<\/li><\/ul><span class=\"nrp-rule\" aria-hidden=\"true\"><\/span><h1 class=\"pp-hero-title\">Protection gaps are shared risk<\/h1><p class=\"nrp-lede\">Part I describes systems and their couplings. It ranks no country or operator and assesses no authority.<\/p><p class=\"nrp-chap-meta\"><span>6 min read<\/span><span>2 figures<\/span><span>1 table<\/span><span>10 notes<\/span><span>NR-STRATEGIC-INSURANCE-GLOBAL-2026-BASELINE<\/span><\/p><details class=\"nrp-toc-m\"><summary>Contents<\/summary><ol class=\"nrp-toc\"><li><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/\"><span class=\"nrp-toc-n\">\u00b7<\/span><span>Edition home<\/span><\/a><\/li><li><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/summary\/\"><span class=\"nrp-toc-n\">\u00b7<\/span><span>Executive summary<\/span><\/a><\/li><li><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/coupled-system\/\" aria-current=\"page\"><span class=\"nrp-toc-n\">1<\/span><span>Protection gaps are shared risk<\/span><\/a><ol class=\"nrp-toc-sub\"><li><a href=\"#nx-nrp-sr-06-c1-s1\">1.1 The questions this part answers<\/a><\/li><li><a href=\"#nx-nrp-sr-06-c1-s2\">1.2 The argument<\/a><\/li><li><a href=\"#nx-nrp-sr-06-c1-s3\">1.3 Twenty couplings between five systems<\/a><\/li><\/ol><\/li><li><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/findings\/\"><span class=\"nrp-toc-n\">2<\/span><span>Key findings<\/span><\/a><\/li><li><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/systems-and-sectors\/\"><span class=\"nrp-toc-n\">3<\/span><span>Systems and sectors at baseline<\/span><\/a><\/li><li><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/risk-and-capability\/\"><span class=\"nrp-toc-n\">4<\/span><span>Risks and capability<\/span><\/a><\/li><li><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/scenario\/\"><span class=\"nrp-toc-n\">5<\/span><span>Large insured loss that meets soft pricing and thin backstops<\/span><\/a><\/li><li><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/lenses-and-readings\/\"><span class=\"nrp-toc-n\">6<\/span><span>Readings from the other desks<\/span><\/a><\/li><li><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/agenda\/\"><span class=\"nrp-toc-n\">7<\/span><span>The 2027 agenda<\/span><\/a><\/li><li><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/systems-in-depth\/\"><span class=\"nrp-toc-n\">8<\/span><span>Systems in depth<\/span><\/a><\/li><li><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/methodology\/\"><span class=\"nrp-toc-n\">A<\/span><span>Methodology<\/span><\/a><\/li><li><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/data\/\"><span class=\"nrp-toc-n\">B<\/span><span>Data appendix<\/span><\/a><\/li><li><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/references\/\"><span class=\"nrp-toc-n\">C<\/span><span>References and record<\/span><\/a><\/li><li><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/full\/\"><span class=\"nrp-toc-n\">\u00b7<\/span><span>Complete edition, for print<\/span><\/a><\/li><\/ol><\/details><\/header><section class=\"nrp-block\" id=\"nx-nrp-sr-06-c1-s1\" aria-labelledby=\"nx-nrp-sr-06-c1-s1-h\"><h2 class=\"nrp-h2\" id=\"nx-nrp-sr-06-c1-s1-h\"><span class=\"nrp-num\">1.1<\/span><span>The questions this part answers<\/span><\/h2><h3 class=\"nrp-h3\">Key questions<\/h3><ul class=\"nrp-list\"><li>Where is insurance and protection gaps risk concentrated?<\/li><li>Which couplings carry insurance and protection gaps shocks into other <a class=\"nx-link nx-term\" href=\"https:\/\/docs.therisk.global\/organization\/systems\" data-tc=\"Systems\" data-tk=\"Nexus Standards\" data-td=\"The twenty Nexus systems, NXS-CMD to NXS-LAB\">systems<\/a>?<\/li><li>Which insurance and protection gaps capabilities hold under compound stress?<\/li><li>What must 2027 evidence measure first?<\/li><\/ul><h3 class=\"nrp-h3\">In this part<\/h3><ul class=\"nrp-chips\"><li class=\"nf-ui-chip\">Narrative<\/li><li class=\"nf-ui-chip\">Headline finding<\/li><li class=\"nf-ui-chip\">Lead figure<\/li><li class=\"nf-ui-chip\">Five mechanism chapters<\/li><li class=\"nf-ui-chip\">Twelve-domain reading<\/li><li class=\"nf-ui-chip\">Sector screens<\/li><li class=\"nf-ui-chip\">Dependency matrix<\/li><li class=\"nf-ui-chip\">Risk objects<\/li><li class=\"nf-ui-chip\">Capability ladder<\/li><li class=\"nf-ui-chip\">Scenario<\/li><li class=\"nf-ui-chip\">Three lenses<\/li><li class=\"nf-ui-chip\">Portfolio<\/li><\/ul><\/section><section class=\"nrp-block\" id=\"nx-nrp-sr-06-c1-s2\" aria-labelledby=\"nx-nrp-sr-06-c1-s2-h\"><h2 class=\"nrp-h2\" id=\"nx-nrp-sr-06-c1-s2-h\"><span class=\"nrp-num\">1.2<\/span><span>The argument<\/span><\/h2><div class=\"nrp-prose\"><p>Insurance is usually reported by line: property, health, crop, cyber. The 2025 and 2026 evidence reads it as one system that moves loss between households, firms, insurers, reinsurers and governments. When cover thins, the loss lands on the next party in line<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c1-n1\" id=\"nx-nrp-sr-06-c1-r1\" aria-label=\"Note 1\">1<\/a><\/sup><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c1-n4\" id=\"nx-nrp-sr-06-c1-r4\" aria-label=\"Note 4\">4<\/a><\/sup><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c1-n8\" id=\"nx-nrp-sr-06-c1-r8\" aria-label=\"Note 8\">8<\/a><\/sup><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c1-n10\" id=\"nx-nrp-sr-06-c1-r10\" aria-label=\"Note 10\">10<\/a><\/sup>.<\/p><p>The causes repeat. Secondary perils such as <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/hazards\/wildfire-and-vegetation-fire-standards\/\" data-tc=\"NHS-1 eco.wildfire.wildfire\" data-tk=\"Land and ecosystems \u00b7 Vegetation and peat fire\" data-td=\"An uncontrolled fire in forest, scrub or grass that burns structures, crops and habitat and fills the air with smoke.\" data-ts=\"NRS-H24\" data-tr=\"draft\" data-tx=\"https:\/\/risksindex.com\/hazards\/eco\/\" data-txl=\"Land and ecosystems\">wildfire<\/a>, <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-h1\" data-tc=\"NHS-1 atmo.convective.thunderstorm\" data-tk=\"Atmosphere and weather \u00b7 Convective storms\" data-td=\"A convective storm cell with lightning and thunder that can bring heavy rain, gusts and hail.\" data-ts=\"NRS-H1\" data-tr=\"draft\" data-tx=\"https:\/\/risksindex.com\/hazards\/atmo\/\" data-txl=\"Atmosphere and weather\">severe storm<\/a> and flood made up 92% of 2025 insured losses<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c1-n1\" aria-label=\"Note 1\">1<\/a><\/sup>. Exposure grows 5% to 7% a year in real terms<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c1-n1\" aria-label=\"Note 1\">1<\/a><\/sup><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c1-n7\" id=\"nx-nrp-sr-06-c1-r7\" aria-label=\"Note 7\">7<\/a><\/sup>. Take-up of cover is low in many markets: Munich Re puts insured losses at USD 9 billion of about USD 73 billion in Asia-Pacific<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c1-n2\" id=\"nx-nrp-sr-06-c1-r2\" aria-label=\"Note 2\">2<\/a><\/sup>.<\/p><p>Availability is changing in rich markets too. In the United States, nonrenewal rates were about 80% higher in the highest-risk ZIP Codes<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c1-n12\" id=\"nx-nrp-sr-06-c1-r12\" aria-label=\"Note 12\">12<\/a><\/sup>, and the California FAIR Plan reached USD 773 billion of exposure<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c1-n8\" aria-label=\"Note 8\">8<\/a><\/sup>. The flood programme runs on short authorisations<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c1-n10\" aria-label=\"Note 10\">10<\/a><\/sup>.<\/p><p>The edition asks the same four questions of every event: what was the common cause, how did loss spread, what was shared, and what threshold was crossed. It rates no insurer and ranks no market.<\/p><\/div><figure class=\"nrp-fig\" id=\"nx-nrp-sr-06-c1-fig1\" aria-labelledby=\"nx-nrp-sr-06-c1-fig1-t\"><figcaption class=\"nrp-figcap\"><span class=\"nf-ui-eyebrow\">Figure 1.1<\/span><span class=\"nf-ui-title\" data-level=\"card\" id=\"nx-nrp-sr-06-c1-fig1-t\">How much of 2025 natural catastrophe loss was uninsured? Percent of economic losses<\/span><p class=\"nrp-fig-what\">Three readings give a gap of 51% to 56%. The Swiss Re bar is an editor derivation, method (5). Scope differs, so the bars show a range and are not averaged<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c1-n1\" aria-label=\"Note 1\">1<\/a><\/sup><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c1-n3\" id=\"nx-nrp-sr-06-c1-r3\" aria-label=\"Note 3\">3<\/a><\/sup><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c1-n4\" aria-label=\"Note 4\">4<\/a><\/sup>.<\/p><\/figcaption><div class=\"nrp-tblw\"><table class=\"nrp-tbl nrp-bars\"><thead><tr><th scope=\"col\">Item<\/th><th scope=\"col\"><span class=\"nrp-sr\">Bar, scaled to the largest value<\/span><\/th><th scope=\"col\">Value<\/th><\/tr><\/thead><tbody><tr><th scope=\"row\">Gallagher Re<\/th><td class=\"nrp-barc\"><svg class=\"nrp-svg nrp-barsvg\" viewBox=\"0 0 100 8\" preserveAspectRatio=\"none\" aria-hidden=\"true\" focusable=\"false\"><rect class=\"nrp-track\" x=\"0\" y=\"0\" width=\"100\" height=\"8\"\/><rect class=\"nrp-bar\" x=\"0\" y=\"0\" width=\"100.0\" height=\"8\"\/><\/svg><\/td><td class=\"nrp-mono\">56<\/td><\/tr><tr><th scope=\"row\">Aon, record low<\/th><td class=\"nrp-barc\"><svg class=\"nrp-svg nrp-barsvg\" viewBox=\"0 0 100 8\" preserveAspectRatio=\"none\" aria-hidden=\"true\" focusable=\"false\"><rect class=\"nrp-track\" x=\"0\" y=\"0\" width=\"100\" height=\"8\"\/><rect class=\"nrp-bar\" x=\"0\" y=\"0\" width=\"91.1\" height=\"8\"\/><\/svg><\/td><td class=\"nrp-mono\">51<\/td><\/tr><tr><th scope=\"row\">Swiss Re, derived from 49% insured<\/th><td class=\"nrp-barc\"><svg class=\"nrp-svg nrp-barsvg\" viewBox=\"0 0 100 8\" preserveAspectRatio=\"none\" aria-hidden=\"true\" focusable=\"false\"><rect class=\"nrp-track\" x=\"0\" y=\"0\" width=\"100\" height=\"8\"\/><rect class=\"nrp-bar\" x=\"0\" y=\"0\" width=\"91.1\" height=\"8\"\/><\/svg><\/td><td class=\"nrp-mono\">51<\/td><\/tr><\/tbody><\/table><\/div><p class=\"nrp-fig-src\">Source: as cited in the note to this figure. Year 2025.<\/p><p class=\"nrp-fig-src\">Figure ID FIG-STRATEGIC-INSURANCE-GLOBAL-2026-BASELINE-01-003<\/p><\/figure><div class=\"pp-cells nrp-cells-3\"><div class=\"nrp-cell\"><span class=\"pp-metric\">56<\/span><span class=\"nrp-cell-u\">%<\/span><p>uninsured, Gallagher Re<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c1-n4\" aria-label=\"Note 4\">4<\/a><\/sup><\/p><\/div><div class=\"nrp-cell\"><span class=\"pp-metric\">51<\/span><span class=\"nrp-cell-u\">%<\/span><p>uninsured, Aon<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c1-n3\" aria-label=\"Note 3\">3<\/a><\/sup><\/p><\/div><div class=\"nrp-cell\"><span class=\"pp-metric\">\u224849<\/span><span class=\"nrp-cell-u\">%<\/span><p>insured, Swiss Re<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c1-n1\" aria-label=\"Note 1\">1<\/a><\/sup><\/p><\/div><div class=\"nrp-cell\"><span class=\"pp-metric\">\u2248167<\/span><span class=\"nrp-cell-u\">USD billion<\/span><p>uninsured loss, Gallagher Re<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c1-n4\" aria-label=\"Note 4\">4<\/a><\/sup><\/p><\/div><\/div><\/section><section class=\"nrp-block\" id=\"nx-nrp-sr-06-c1-s3\" aria-labelledby=\"nx-nrp-sr-06-c1-s3-h\"><h2 class=\"nrp-h2\" id=\"nx-nrp-sr-06-c1-s3-h\"><span class=\"nrp-num\">1.3<\/span><span>Twenty couplings between five systems<\/span><\/h2><p class=\"nrp-stand\">The insurance and protection gaps-centred matrix types the twenty couplings between the five core <a class=\"nx-link nx-term\" href=\"https:\/\/docs.therisk.global\/organization\/systems\" data-tc=\"Systems\" data-tk=\"Nexus Standards\" data-td=\"The twenty Nexus systems, NXS-CMD to NXS-LAB\">systems<\/a>, read for their insurance and protection gaps content. Strengths are Nexus estimates (ESTIMATED) from the cited evidence and analogue events; they set the graph that 2027 evidence will test.<\/p><figure class=\"nrp-fig\" id=\"nx-nrp-sr-06-c1-fig2\" aria-labelledby=\"nx-nrp-sr-06-c1-fig2-t\"><figcaption class=\"nrp-figcap\"><span class=\"nf-ui-eyebrow\">Figure 1.2<\/span><span class=\"nf-ui-title\" data-level=\"card\" id=\"nx-nrp-sr-06-c1-fig2-t\">Couplings between the five systems<\/span><p class=\"nrp-fig-what\">Each line is one coupling from one system to another, drawn by the strength the edition assigns. Strengths are Nexus estimates from the cited evidence and analogue events.<\/p><\/figcaption><svg class=\"nrp-svg nrp-ring\" viewBox=\"0 0 340 340\" role=\"img\" aria-label=\"Coupling ring: 20 typed couplings between water, energy, food, health and biodiversity. The matrix in the next table carries every value.\" data-nx-z=\"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\"><\/svg><ul class=\"nrp-legend\"><li><span class=\"nrp-key\" data-w=\"STRONG\"><\/span>Strong<\/li><li><span class=\"nrp-key\" data-w=\"MODERATE\"><\/span>Moderate<\/li><li><span class=\"nrp-key\" data-w=\"WEAK\"><\/span>Weak<\/li><\/ul><p class=\"nrp-fig-src\">Source: this edition&#8217;s coupling matrix (Table 1.1); status Estimated.<\/p><\/figure><div class=\"nrp-tblw\" id=\"nx-nrp-sr-06-c1-tab1\"><table class=\"nrp-tbl\"><caption><span class=\"nf-ui-eyebrow\">Table 1.1<\/span><span class=\"nrp-tbl-t\">Coupling matrix: from the row system to the column system<\/span><\/caption><thead><tr><th scope=\"col\">From, to<\/th><th scope=\"col\">WAT<\/th><th scope=\"col\">ENE<\/th><th scope=\"col\">FOO<\/th><th scope=\"col\">HLT<\/th><th scope=\"col\">BIO<\/th><\/tr><\/thead><tbody><tr><td><b>WAT<\/b> Water<\/td><td><span aria-label=\"same system\">\u00b7<\/span><\/td><td>MODERATE<br><span class=\"nrp-cell-u\">flood and cooling loss<\/span><\/td><td>STRONG<br><span class=\"nrp-cell-u\">flood and drought crop loss<\/span><\/td><td>MODERATE<br><span class=\"nrp-cell-u\">flood health claims<\/span><\/td><td>WEAK<br><span class=\"nrp-cell-u\">flows<\/span><\/td><\/tr><tr><td><b>ENE<\/b> Energy<\/td><td>WEAK<br><span class=\"nrp-cell-u\">pumping<\/span><\/td><td><span aria-label=\"same system\">\u00b7<\/span><\/td><td>MODERATE<br><span class=\"nrp-cell-u\">cold chain and business interruption<\/span><\/td><td>WEAK<br><span class=\"nrp-cell-u\">hospital power<\/span><\/td><td>WEAK<br><span class=\"nrp-cell-u\">land use<\/span><\/td><\/tr><tr><td><b>FOO<\/b> Food<\/td><td>WEAK<br><span class=\"nrp-cell-u\">withdrawals<\/span><\/td><td>WEAK<br><span class=\"nrp-cell-u\">bioenergy<\/span><\/td><td><span aria-label=\"same system\">\u00b7<\/span><\/td><td>WEAK<br><span class=\"nrp-cell-u\">nutrition<\/span><\/td><td>WEAK<br><span class=\"nrp-cell-u\">land conversion<\/span><\/td><\/tr><tr><td><b>HLT<\/b> Health<\/td><td>WEAK<br><span class=\"nrp-cell-u\">workforce<\/span><\/td><td>WEAK<br><span class=\"nrp-cell-u\">workforce<\/span><\/td><td>WEAK<br><span class=\"nrp-cell-u\">labour<\/span><\/td><td><span aria-label=\"same system\">\u00b7<\/span><\/td><td>WEAK<br><span class=\"nrp-cell-u\">residues<\/span><\/td><\/tr><tr><td><b>BIO<\/b> Biodiversity<\/td><td>MODERATE<br><span class=\"nrp-cell-u\">natural buffers<\/span><\/td><td>WEAK<br><span class=\"nrp-cell-u\">hydrology<\/span><\/td><td>WEAK<br><span class=\"nrp-cell-u\">pollination<\/span><\/td><td>WEAK<br><span class=\"nrp-cell-u\">zoonoses<\/span><\/td><td><span aria-label=\"same system\">\u00b7<\/span><\/td><\/tr><\/tbody><tfoot><tr><td colspan=\"6\">Strength: strong, moderate or weak; a Nexus estimate (status Estimated) from cited evidence and analogue events. The scale is defined in Annex A.<\/td><\/tr><\/tfoot><\/table><\/div><h3 class=\"nrp-h3\">Transmission paths<\/h3><ol class=\"nrp-rows\"><li><span class=\"nrp-rows-i\">01<\/span><p class=\"nrp-rows-t\">CLI \u2192 FIN \u2192 DEV<\/p><p class=\"nrp-rows-x\">Secondary perils raise insured losses while take-up stays low in some markets.<\/p><p class=\"nrp-rows-m\"><span class=\"nrp-st\"><span class=\"nf-ui-dot\" data-tone=\"info\" aria-hidden=\"true\"><\/span>Reported<\/span> 2025<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c1-n1\" aria-label=\"Note 1\">1<\/a><\/sup><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c1-n2\" aria-label=\"Note 2\">2<\/a><\/sup><\/p><\/li><li><span class=\"nrp-rows-i\">02<\/span><p class=\"nrp-rows-t\">FIN \u2192 FIN<\/p><p class=\"nrp-rows-x\">Nonrenewal pushes policies into a residual market.<\/p><p class=\"nrp-rows-m\"><span class=\"nrp-st\"><span class=\"nf-ui-dot\" data-tone=\"info\" aria-hidden=\"true\"><\/span>Reported<\/span> FAIR Plan 2026<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c1-n8\" aria-label=\"Note 8\">8<\/a><\/sup> \u00b7 FIO<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c1-n12\" aria-label=\"Note 12\">12<\/a><\/sup><\/p><\/li><li><span class=\"nrp-rows-i\">03<\/span><p class=\"nrp-rows-t\">WAT \u2192 INF \u2192 FIN<\/p><p class=\"nrp-rows-x\">Flood falls outside homeowners cover and onto a short-dated public scheme.<\/p><p class=\"nrp-rows-m\"><span class=\"nrp-st\"><span class=\"nf-ui-dot\" data-tone=\"info\" aria-hidden=\"true\"><\/span>Reported<\/span> NFIP 2025 to 2026<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c1-n10\" aria-label=\"Note 10\">10<\/a><\/sup><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c1-n11\" id=\"nx-nrp-sr-06-c1-r11\" aria-label=\"Note 11\">11<\/a><\/sup><\/p><\/li><li><span class=\"nrp-rows-i\">04<\/span><p class=\"nrp-rows-t\">FIN \u2194 TRD<\/p><p class=\"nrp-rows-x\">Reinsurance pricing responds to capital and recent losses.<\/p><p class=\"nrp-rows-m\"><span class=\"nrp-st\"><span class=\"nf-ui-dot\" data-tone=\"info\" aria-hidden=\"true\"><\/span>Reported<\/span> renewals 2026<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c1-n2\" aria-label=\"Note 2\">2<\/a><\/sup><\/p><\/li><li><span class=\"nrp-rows-i\">05<\/span><p class=\"nrp-rows-t\">DAT \u2192 FIN<\/p><p class=\"nrp-rows-x\">A young cyber market grows from a small base.<\/p><p class=\"nrp-rows-m\"><span class=\"nrp-st\"><span class=\"nf-ui-dot\" data-tone=\"info\" aria-hidden=\"true\"><\/span>Reported<\/span> 2025<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c1-n19\" id=\"nx-nrp-sr-06-c1-r19\" aria-label=\"Note 19\">19<\/a><\/sup><\/p><\/li><\/ol><\/section><section class=\"nrp-block\" id=\"nx-nrp-sr-06-c1-notes\" aria-labelledby=\"nx-nrp-sr-06-c1-notes-h\"><h2 class=\"nrp-h2\" id=\"nx-nrp-sr-06-c1-notes-h\"><span>Notes<\/span><\/h2><p class=\"nrp-note\">Numbers are the edition&#8217;s reference numbers, so a note reads the same in every chapter. The full list, with every source and its licence, is in Annex C. <a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/references\/\">Annex C, references<\/a><\/p><ol class=\"nrp-notes\"><li id=\"nx-nrp-sr-06-c1-n1\"><span class=\"nrp-notes-n\">1<\/span><span>Insurance Journal and Reinsurance News (eds.), reports of Swiss Re Institute, sigma 1\/2026, Natural catastrophes in 2025: the persistent rise of <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/hazards\/wildfire-and-vegetation-fire-standards\/\" data-tc=\"NHS-1 eco.wildfire.wildfire\" data-tk=\"Land and ecosystems \u00b7 Vegetation and peat fire\" data-td=\"An uncontrolled fire in forest, scrub or grass that burns structures, crops and habitat and fills the air with smoke.\" data-ts=\"NRS-H24\" data-tr=\"draft\" data-tx=\"https:\/\/risksindex.com\/hazards\/eco\/\" data-txl=\"Land and ecosystems\">wildfire<\/a> and storm risk (insured losses USD 107 billion; economic losses USD 220 billion; 92% from secondary perils; Los Angeles wildfires USD 40 billion; trend 5% to 7% a year; 2026 normal level USD 148 billion and peak scenario about USD 320 billion), articles of March 2026. The sigma report itself was not opened; the Swiss Re page returned an access error. Observation year 2025. Accessed 2026-11-03.<a class=\"nrp-notes-back\" href=\"#nx-nrp-sr-06-c1-r1\" aria-label=\"Back to the first call of note 1\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c1-n4\"><span class=\"nrp-notes-n\">4<\/span><span>Reinsurance News (ed.), report of Gallagher Re, Natural Catastrophe and Climate Report, full year 2025 (insured losses USD 129 billion; economic losses USD 296 billion; <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 protection-gap\" data-tk=\"Nexus risk vocabulary\" data-td=\"The difference between total economic losses from hazards and the share covered by insurance or other pre-arranged protection, leaving households, firms and governments to absorb the rest.\" data-ts=\"NRS-C1\" data-tr=\"draft\" data-tg=\"https:\/\/globalriskalliance.com\/glossary\/protection-gap\/\" data-tgl=\"Global Risks Alliance glossary\">protection gap<\/a> 56% or USD 167 billion; United States USD 100 billion or 78%). The Gallagher Re report was not opened. Observation year 2025. Accessed 2026-11-03.<a class=\"nrp-notes-back\" href=\"#nx-nrp-sr-06-c1-r4\" aria-label=\"Back to the first call of note 4\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c1-n8\"><span class=\"nrp-notes-n\">8<\/span><span>California FAIR Plan Association (ed.), Key Statistics and Data (September 2026: 698,307 policies in force; exposure USD 773 billion; written premium USD 2.04 billion; policies up 157% and exposure up 252% since September 2022). California FAIR Plan Association, Los Angeles. Observation year 2026. Accessed 2026-11-03.<a class=\"nrp-notes-back\" href=\"#nx-nrp-sr-06-c1-r8\" aria-label=\"Back to the first call of note 8\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c1-n10\"><span class=\"nrp-notes-n\">10<\/span><span>Congressional Research Service (ed.), What Happens If the National Flood Insurance Program (NFIP) Lapses?, Insight IN10835, version of 11 September 2026 (authorised to 11 December 2026; 36 short-term reauthorisations since FY2017; lapses 1 October to 12 November 2025 and 1 to 3 February 2026; borrowing limit USD 30.425 billion; nearly 4.5 million policies; almost USD 1.3 trillion coverage). Library of Congress, Washington. Observation year 2026. Accessed 2026-11-03.<a class=\"nrp-notes-back\" href=\"#nx-nrp-sr-06-c1-r10\" aria-label=\"Back to the first call of note 10\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c1-n7\"><span class=\"nrp-notes-n\">7<\/span><span>Artemis (ed.), report of Swiss Re Institute insurance market outlook, July 2025 (inflation-adjusted natural catastrophe exposure growth of 5% to 7% a year, faster than premiums). The outlook itself was not opened. Observation year 2025. Accessed 2026-11-03.<a class=\"nrp-notes-back\" href=\"#nx-nrp-sr-06-c1-r7\" aria-label=\"Back to the first call of note 7\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c1-n2\"><span class=\"nrp-notes-n\">2<\/span><span>Insurance Journal, Insurance Business and Reinsurance News (eds.), reports of Munich Re, natural disaster losses in 2025, 13 January 2026 (overall losses about USD 224 billion; insured about USD 108 billion; Asia-Pacific about USD 73 billion overall and USD 9 billion insured; Africa about USD 3 billion; January 2026 reinsurance rates down 14.7%). One article printed USD 244 billion for overall losses, a typographical conflict with USD 224 billion elsewhere. The Munich Re release was not opened. Observation year 2025. Accessed 2026-11-03.<a class=\"nrp-notes-back\" href=\"#nx-nrp-sr-06-c1-r2\" aria-label=\"Back to the first call of note 2\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c1-n12\"><span class=\"nrp-notes-n\">12<\/span><span>US Department of the Treasury, Federal Insurance Office (ed.), Homeowners insurance report, press release of 16 January 2025 (more than 330 insurers; 246 million policies; 2018 to 2022; ZIP Code level; nonrenewal rates about 80% higher in the highest-risk ZIP Codes). The report itself was not opened. Observation year 2022. Accessed 2026-11-03.<a class=\"nrp-notes-back\" href=\"#nx-nrp-sr-06-c1-r12\" aria-label=\"Back to the first call of note 12\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c1-n3\"><span class=\"nrp-notes-n\">3<\/span><span>Aon (ed.), 2026 Climate and Catastrophe Insight (page read to character 100,000 of 220,843: economic losses USD 260 billion; insured losses USD 127 billion; protection gap 51%, a record low). Aon, London. Observation year 2025. Accessed 2026-11-03.<a class=\"nrp-notes-back\" href=\"#nx-nrp-sr-06-c1-r3\" aria-label=\"Back to the first call of note 3\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c1-n11\"><span class=\"nrp-notes-n\">11<\/span><span>FEMA (ed.), FloodSmart (most homeowners insurance does not cover flood damage; almost one third of NFIP claims come from outside high-risk flood areas, stated as 29%). Federal Emergency Management Agency, Washington. Observation year 2026. Accessed 2026-11-03.<a class=\"nrp-notes-back\" href=\"#nx-nrp-sr-06-c1-r11\" aria-label=\"Back to the first call of note 11\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c1-n19\"><span class=\"nrp-notes-n\">19<\/span><span>Munich Re (ed.), Global Cyber Risk and Insurance Survey 2026 (premium volume nearly USD 15 billion in 2025; about USD 28 billion forecast for 2030; over 9,500 respondents in 20 countries). Munich Re, Munich. Observation year 2025. Accessed 2026-11-03.<a class=\"nrp-notes-back\" href=\"#nx-nrp-sr-06-c1-r19\" aria-label=\"Back to the first call of note 19\">back<\/a><\/span><\/li><\/ol><\/section><section class=\"nrp-block nrp-noprint\" id=\"nx-nrp-sr-06-c1-cite\" aria-labelledby=\"nx-nrp-sr-06-c1-cite-h\"><h2 class=\"nrp-h2\" id=\"nx-nrp-sr-06-c1-cite-h\"><span>Cite this chapter<\/span><\/h2><pre class=\"nrp-pre\">Valadbaygi, S. (Ed.). (2026). Chapter 1: Protection gaps are shared risk. In Strategic Systems Report 2026: Insurance, Protection Gaps and Insurability (Baseline Edition 2026, Report No. NR-STRATEGIC-INSURANCE-GLOBAL-2026-BASELINE) [Draft under review]. The Global Centre for Risk and Innovation (GCRI).<\/pre><p class=\"nrp-note\">Every citation form of the whole report, BibTeX and RIS included, is on the edition home. <a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/#nx-nrp-sr-06-land-cite\">Cite this report<\/a><\/p><\/section><nav class=\"nrp-pager\" aria-label=\"Previous and next\"><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/summary\/\" rel=\"prev\"><span class=\"nf-ui-eyebrow\">Previous \u00b7 Executive summary<\/span><span class=\"nrp-pager-t\">Executive summary<\/span><\/a><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/findings\/\" rel=\"next\"><span class=\"nf-ui-eyebrow\">Next \u00b7 Chapter 2<\/span><span class=\"nrp-pager-t\">Key findings<\/span><\/a><\/nav><\/article><\/div><\/div><\/div><div class=\"nrp-noprint\"><section id=\"nx-sec-nr-gateway\" class=\"nx-section\" data-hue=\"systemic\" data-tone=\"alt\" aria-labelledby=\"nx-nr-gateway-h\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">Reports<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Contribute<\/span><\/div><h2 id=\"nx-nr-gateway-h\" class=\"nx-section-title\">Send evidence or a correction on Insurance, Protection Gaps and Insurability.<\/h2><p class=\"nx-lede\"><a class=\"nx-link\" href=\"https:\/\/docs.therisk.global\/organization\/programme\/reports\">Reports<\/a> is the Consortium&#8217;s quarterly publication, written by six desks. 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