Across time, and in every generation, Wells Fargo has continued helping customers go further by providing innovative financial services to help them get ahead. Were still on the same page here though. Thats slippery, because especially in higher end markets, although it can be true in any market segment, contrary to entry level laymen understanding, the sales price and subsequent lending rate does not necessarily have as much influence on purchaser decisions. Wells Fargo claws back another $75m from former CEO and top executive. A federal probe found that Wells Fargo created millions of phony accounts for customers over a 14-year period and sold insurance products to customers who didn't need it. even the public we are to Protect do-not care. 1999 - 2022 Wells Fargo. We are dedicated to investing in our people; advancing diversity, equity and inclusion; and ensuring that Wells Fargo continues to be a great place to work, the bank said in a statement. Photographer: Chip Somodevilla/Getty Images, 2022 Bloomberg Industry Group, Inc. All Rights Reserved, Wells Fargo Faces Unfair Labor Practice Claims Amid Union Drive (1), organizational development and strategic planning, Wells Fargo workers consider branch-to-branch organizing, Bank says opposes union, is dedicated to investing in workers. WHY create more confusion through Form Use? Should I use all my inheritance for a down payment? Lawyers can also aggressively challenge everything from bargaining unit sizetheyre likely to push for larger geographic units because theyre easier to challengeto the makeup of potential membership, Bodie said. Reuters.com is your online source for the latest world news stories and current events, ensuring our readers up to date with any breaking news developments Warren Buffett discusses Wells Fargo accounts scandal. This followed Wells Fargo CEO and President Charles W. Scharf's comments in a July earnings call about the need for expense cuts at the bank. If the bankers were unionized, this never wouldve happened. How Eating at a Restaurant Compares. On the same block where Wells Fargo first opened for business in 1852, visitors can explore artifacts from our past and reflect on the people who helped build our world today. Sadly, FHFA, Fannie-Freddie, etc. Irving project tied to Wells Fargo regional campus to get underway in January, Wells Fargo (WFC) Stock Moves -0.6%: What You Should Know, Wells Fargo CEO Charlie Scharf on how businesses see the economy: Our customers are nervous, Wells Fargos Vantage Platform Enhances Commercial and Corporate Clients Digital Experience, Grows with Businesses at Scale, 15 Most Capitalist Companies in the World, Wells Fargo & Company's (NYSE:WFC) stock dropped 3.2% this week, offering solace to those who sold earlier in the year, Appraisal diversity initiative adds another tool for Houston Area Urban League, Wells Fargo makes more layoffs in its beleaguered mortgage business, Bloomberg reports, If You Invested $5,000 in Wells Fargo in 2007, This Is How Much You Would Have Today, Bank of America, other financial giants discuss refund plan for Zelle customer fraud victims, Houston chosen for $5M Wells Fargo, National Urban League home appraisal grant, Mortgage rates drop for third-straight week, Wells Fargo lays off hundreds of workers, National Urban League Partnership With Wells Fargo Aims To Diversify Home Appraisal Industry, Wells Fargo Cuts Hundreds More Mortgage Employees on Industry Slowdown, Wells Fargo Named a Global Best in Service Winner by Euromoney Magazine, Wells Fargo Foundation Awards $22.5 Million to LISC To Expand Homeownership for BIPOC Families, Wells Fargo to close three more Philadelphia-area branches, including one in Montgomery County, 5 Preferred Stocks That Offer Safety and High Yields, A Wells Fargo & Company (NYSE:WFC) insider lowered their holding by 51% earlier this year, Wells Fargo to Present at the Goldman Sachs US Financial Services Conference, Wells Fargo (WFC) Stock Moves -0.97%: What You Should Know, Wells Fargo Stock Is Getting Closer To Key Technical Measure, JPMorgan, Other Banks in Talks to Reimburse Scammed Zelle Customers, 15 Biggest Holding Companies in the World, With 74% institutional ownership, Wells Fargo & Company (NYSE:WFC) is a favorite amongst the big guns, Wells Fargo, Back in the Hot Seat, Could Face Over $1B in Fines, JPMorgan Chase dethrones Wells Fargo in Austin, Wells Fargo (WFC) Gains As Market Dips: What You Should Know, Truist, Wells Fargo among banks participating in NY Fed's digital dollar pilot program. Its a moving target depending on local market conditions and the specific real property segment being reviewed. 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Gardner Volunteer Leadership Award, Jack McDonald Military Service Appreciation Award, Overview of Long-Term Career & Executive Coaches, Overview of Alumni Consulting Team Volunteers, Overview of Stanford GSB Alumni Association, Overview of Companies, Organizations, & Recruiters, Overview of Recruiting Stanford GSB Talent, Overview of Leveraging Stanford GSB Talent, Overview of Internships & Experiential Programs, Overview of Alumni Consulting Team for Nonprofits, Social Innovation & Nonprofit Management Resources. Through prosperity, depression, and war, customers have turned to Wells Fargo for the solutions they needed to survive and thrive. The odds are rarely in a unions favor, and particularly if an employer really wants to fight, Hirsch said. Your postulation has a very very high probability of being accurate. WRAL news in Raleigh, NC Use Outlooks built-in calendar to keep track of appointments and events. On March 18, 1852, our foundersHenry Wells and William G. Fargobuilt an innovative start-up to help customers build businesses and manage money in a rapidly changing world. Wells Fargo employees say a major driver of the fake accounts scandal was unrealistic sales goals set by bank management, including an eight is great campaign that attempted to sign customers up for eight different products at the bank. Organizers have alleged that Starbucks closed stores that were hotbeds of union activities. Wells Fargo & Company (NYSE:WFC) is favoured by institutional owners who hold 74% of the company, 51%of this Wells Fargo & Company (NYSE:WFC) insider's holdings were sold in the last year. The Consumer Banking and Lending segment offers diversified financial products and services for consumers and small businesses. How did the companys incentive system contribute to the scandal? Merez and others at the Hillsboro call center recently filed an unfair labor practice claim with the National Labor Relations Board alleging that Wells Fargo was paying new employees $5 more per hour for the same job that she and her colleagues already did. (Thank you to Mr Ford for the years ago alert that this was a real possibility and carried a highly probable possibility of occurring if lenders moved to alternative valuation products. WebAbout Our Coalition. The Lenders are unfettered to do whatever they want without oversight, accountability or consequences. "A lot of these scandals that have occurred are because policies have been implemented arbitrarily by executive management," he said. The CWA has seen some success at small financial institutions over the last few years. Wells Fargo declined to comment when the charges were filed. According to one person involved in the drive to unionize Wells Fargo, the country's fourth-largest bank, a worker in a Utah call center was disciplined for handing out flyers about the union effort in the center's break room. Appraisers Blogs 2022. Receive full access to our market insights, commentary, newsletters, breaking news alerts, and more. Why Is Comerica Incorporated (CMA) Up 8.3% Since Last Earnings Report? Whats in your wallet? or in appraiser lingo, who do you provide appraisal services for?, https://violationtracker.goodjobsfirst.org/?major_industry=financial%20services&order=pen_year&sort=. History comes alive at the Wells Fargo Museum in San Francisco. ICE Limitations. Organizing a company the size of Wells Fargo in an industry like banking that has so far avoided organized labor could take years to complete, if the campaign is successful at enough branches and call centers. From exchanging gold coins for paper checks to enabling online transactions, were continually innovating so our customers can get ahead. But when it comes to Zelle, the problem lies with its immediacy -- while attractive to those looking to pay fast and without extra fees, bypassing the longer bank clearance process makes it prime territory for fraudsters. She also claims that workers are required to log into their systems five minutes before their shifts technically begin without getting paid for those extra minutes. Learn More. The financial sector is one of the least-unionized industries in the U.S., and Wells Fargo's union would be massive, with as many as 150,000 employees. Other concerns expressed by Merez and her Wells Fargo colleagues would look similar to workers at other companies. In both cases, the changes reflect the banks' expansion into new markets. The intended use is to evaluate the property that is the subject of this appraisal for a mortgage finance transaction, subject to the stated SOW, purpose of the appraisal, reporting requirements of this appraisal report form, & definition of MV. Log in to access all of your BLAW products. Workers have begun to express interest in organizing in areas that they never dreamed of beforehand, said William Gould IV, chairman of the National Labor Relations Board during the Clinton administration, and now a professor emeritus at Stanford University Law School. Hello, and welcome to Protocol Entertainment, your guide to the business of the gaming and media industries. Real-time quotes, advancedvisualizations, backtesting, and much more. Unionizing customer-facing and other workers at Wells Fargo, which has branches and other offices in 36 states and as many as 150,000 potential members, is a different ballgame. Save my name, email, and website in this browser for the next time I comment. Its financial products and services include checking and savings accounts, and credit and debit cards, as well as home, auto, personal, and small business lending services. For how long, consult the crystal ball. An administrative law judge has recommended that a trio of onetime Wells executives be ordered to pay a combined $18.5 million in connection with the bank's fake-accounts scandal. Seleccione el enlace si desea ver otro contenido en espaol. Friendly Hills Bancorp will soon be called First Pacific a name its CEO has coveted for years. Nov-13-22 10:29AM: Top 20 Investment Companies in the World Wells Fargo to Participate Across AFP Conference Including Diversity, Equity, and Inclusion Roundtable high-net worth, and ultra-high-net worth clients. WebGet the latest news and analysis in the stock market today, including national and world stock market news, business news, financial news and more Jeremy Bagott. aka; lower ltvs if not outright cash. What steps should senior management have taken to better contain the fallout? Insiders probably made the right decision selling US$1.0m worth of shares earlier this year as Wells Fargo & Company's (NYSE:WFC)) stock dips by 8.8%. The appraisal profession is probably the most regulated area in lending, Sure, why not. The bank has set aside $2 billion in the most recent quarter for fines and customer restitution stemming from its shenanigans. The Wealth and Investment Management segment provides personalized wealth management, brokerage, financial planning, lending, private banking, and trust and fiduciary products and services to affluent, high-net worth, and ultra-high-net worth clients. In another charge of unfair labor practices, managers allegedly retaliated against a worker who complained about their pay. Required fields are marked *. WHO trained the Inspectors = cough an AMC? Get your mind around it; the fact government is involved just fuels the fire and facilitates more of this behavior. The Communications Workers of America filed two charges against Wells Fargo this week, alleging that managers threatened and disciplined workers for supporting the organizing effort, which is illegal under federal law. Seems to me, lowering property values in their own best interest reeks of racism based on the current agenda in Washington? Preference Falsification Why Licensees Parrot Notions They Know Are Untrue, Visualizing Market Activity Using Graphs & Trendlines, Top DEI Bosses Have a Problem Diversity, UAD Composite Property Data Info Released to the Public, Maxine Waters Wants Appraisers Investigated, AMCs Take a Sizable Cut of the Appraisal Fee. There are essentially two options for organizers of such a large workplace with such diverse potential members: attempt to set up a single unit across the entire bank, or organize on a branch by branch, call center by call center basis, akin to the effort to unionize individual Starbucks stores, which happened rapidly and to great success over the past year. Even if they cared and wanted to do something about the Real Estate Fraud their hands are tied and theyd be railroaded if they tried to make a difference. A spokesperson for the OCC, which is the primary regulator of Wells Fargo's bank subsidiary, declined to comment on the recommendations. But there are growth areas for unions in nontraditional employment, driven in large part by the Covid-19 pandemics tight labor market and safety concerns. You may openly disagree, but state your case in an atmosphere of mutual respect, in which everyone has a right to a particular view about the topic of conversation. Replies to my comments The instant payment service was launched in 2017 as a collaboration between Bank of America (BACXL) , JP Morgan Chase (JPM) - Get Free Report, andWells Fargo (WFC) - Get Free Report. Every loan officer did what they need to make loans, In a rare effort, I actually suffered the appraisers forum for a day or so. All A lot has changed since 1852. Dare to dream.). Sign the Open Letter to AMCs. We generally include authors' info at the end of each article. The senator further said that the bank "attempted to mislead" by capping the data it provided in 2021. It operates through four segments: Consumer Banking and Lending; Commercial Banking; Corporate and Investment Banking; and Wealth and Investment Management. Technology has made communication and bank transactions faster than ever before. Wells Fargo Tries Something New (and Customer Friendly), Man settles lawsuit with Wells Fargo after Beaverton branch scuffle. Is training a 5 minute Zoom Meeting? Wells Fargo employees rally with members of Congress and Communications Workers of America union members outside the U.S. Capitol on March 12, 2019. But union supporters say the bank's leadership has failed to deliver on those promises and that it's time for workers to advocate for themselves. Decay? This can be contagious, he said. He added, "These are real problems that exist and that need to be addressed, and we feel the only way these problems can be addressed appropriately is through a unified voice through the employees. Workers at the countrys fourth-largest bank are pushing to unionize with the Communications Workers of America, a complicated process that began in November 2021 and that, if successful, could reshape working conditions at Wells Fargo and spark workers at other large US banks to push for collective bargaining. The appraisal is 100% intellectual property and if they alter or change it in any way I would sue!!! Warren's report singled out Wells Fargo as a bank where Zelle fraud was particularly prevalent -- the number of fraudulent transfers rose 2.5 times between 2019 and 2022. A spokesperson for the bank reiterated its position on Thursday. Of course some of the impacted parties will manipulate the data for their best interest. It's illegal for businesses to punish workers for talking about unionizing or trying to collectively improve their conditions in other ways, including comparing notes about work conditions, raising concerns or asking management for changes. We have good and bad bankers and mortgage brokers, just as we have have good and bad appraisers. A union would theoretically be able to negotiate sales goals, or at least defend employees who pushed back against them. Specifically Mr Taylor, this comment attempts to touch on allowable comparable sales ranges. ", First published on November 10, 2022 / 5:03 PM. This Friday, were taking a look at Microsoft and Sonys increasingly bitter feud over Call of Duty and whether U.K. regulators are leaning toward torpedoing the Activision Blizzard deal. WebQuestia. Uniform Standards of Professional Appraisal Practice, Virginia Coalition of Appraiser Professionals. Despite some organizing efforts, the US financial services sector has not typically been home to union labor, unlike in Europe, South America, and other parts of the world. A lot has changed since 1852. Its products and services comprise corporate banking, investment banking, treasury management, commercial real estate lending and servicing, equity, and fixed income solutions, as well as sales, trading, and research capabilities services. Powered and implemented by FactSet. As a peer-to-peer app, money lost to fraud through Zelle is also not guaranteed the same protections. Your email address will not be published. How long before the enforcement and regulatory appetite for pursuing mortgage lending violations will be, that depends on the stability of mortgage backed securities. Functional? Here are the income brackets for 2022. Personal attacks harm the collegial atmosphere we encourage on AppraisersBlogs. How do you maximize the positive contribution that incentives make to culture while minimizing potentially negative outcomes. Big-Data Initiative in Intl. All Rights Reserved. "Particularly with the amount of turnover with the employees right now, our workload has spiked," said Cross, the bank employee. Wells Fargo can take steps to oppose the union drive, including hiring outside counsel and other consultants to try to convince workers that a union isnt right for them. In a new age of experience-driven web, brands need to expand their tools for engagement into a technology-driven palette. Back in2013, the company paid $175 million to settle allegations that it offered higher rates and mortgage fees to Black and Hispanic candidates. Victor Dutchuk, a loan specialist, said that a union would help prevent work abuses, such as the inflated sales goals that experts pointed to as a key factor in the fake-accounts scandal. The worker received a new assignment but was paid $5 per hour less than the listed wage for the new job, according to the organizer. Beneficialregistered as a B Corporation required to focus on social and environmental issues and counting former Democratic presidential candidate Tom Steyer and his wife, Kat Taylor, on its boardvoluntarily recognized the union. Demand grew for secure ways to send payments, and reliable places to access money, especially while traveling. In this Closer Look, we examine the tensions between corporate culture, financial incentives, and employee conduct as illustrated by the Wells Fargo cross-selling scandal. Care (ansi). Related. First Missouri recently rebranded as Verimore, a name it made up by combining words from Latin and English. Workers at big banks first started coming together to address issues arising out of the 2008 financial crisis with the creation of the Committee for Better Banks in 2014. It is soo crazy what they get away with in plain site! WebWells Fargo Faces Huge Fine After Latest Scandal. While a localized campaign is more likely to succeed, getting every branch organized would be difficult, said Jeffrey Hirsch, a professor at the University of North Carolina School of Law and former NLRB appellate attorney. Personally I dont do work for them but if the violated appraisers have made it clear the appraisal is their intellectual property and theyve altered it any way the respective appraisers should have a law suite for copyright infringement at the least that, I believe, is a federal offense. Organizers will find it easier to create a community of interests with co-workers in a local branch than nationwide, so getting recognition of a local bargaining unit is going to be easier, Bodie said. None of the diversity, equity, and inclusion topics emerged among the top predictors of a companys overall culture in our previous analysis using collective employee ratings. I remember Wells ripped me off when I was quite young. The HUD Home Ownership Center is knee deep in this process as they let Appraisal Fraud happen right in front of their eyes and they looked the other way. Period. "CEO after CEO, year after year, scandal after scandal, nothing at Wells Fargo seems to improve," Brown said. If you use Zelle, you might want to keep a close eye on your bank accounts. The report prompted a heated back-and-forth between Warren and Wells Fargo -- a spokesperson for the bank called the analysis "misleading and inaccurate" while Warren published another letter calling the response dismissive given the "extraordinarily high and rapidly increasing instances of fraud and scams affecting Wells Fargo customers.". New communities and industries have emerged and grown. Learn more about a Bloomberg Law subscription. If youve dealt with them youd swear they could barely read or write and certainly had no competency at all within the Real Estate industry. During her journey to become a credit union CEO she always worked to help others like herself by promoting diversity and inclusion at every turn. Warren's report singled out Wells Fargo as a bank where Zelle fraud was particularly prevalent -- the number of fraudulent transfers rose 2.5 times between 2019 and 2022. From all the stories Ive read, it was actually good luck to get away from them at an early age. We welcome critical posts & opposing points of view. How to Play It. Warren's report claimed that those who reported unauthorized payments through Zelle in 2021 and the first half of 2022 received only 47% of the dollar amount back. Presentation means a lot. Please enable JavaScript on your browser and refresh the page. His most recent book, The Ichthyologists Guide to the Subprime Meltdown, is a concise almanac that distills the cataclysmic financial crisis of 2007-2008 to its essence.This pithy guide to the upheaval includes essays, chronologies, roundups and key Graduate students around the country and workers in industries like journalism have also joined unions in growing numbers. Thanksgiving Dinner Is More Expensive This Year. Union campaigners face a steep hill in trying to get recognition at Wells Fargos more than 5,000 branches, call centers, and other facilities across the US. Peeling paint (lead-based). I recall taking a CE class which talked about FNMA making a clear statement, that appraisers can not absolve themselves of all liability by claiming nobody is an intended user? We discuss the factors that contributed to the scandal, the repercussions for the bank, and its response. Do not make the mistake of thinking because one appraiser completed risky products, appraisers whom did not accept those tasks are in any way better insulated. The intended user of this appraisal report is the lender/client. published a reportdescribing "rampant fraud and theft" through the payment app. The Supreme Court seems ready to side with a onetime top aide to ex-New York Gov. Please keep remarks about the topic at hand, & PLEASE avoid personal attacks. You end up putting 60-hour weeks.". NMLSR ID 399801. WebWRAL - NBC News Channel 5 - Raleigh breaking news, North Carolina news today, WRAL weather forecasts, NC lottery updates. In reality it is evident Crooks no longer need to HIDE, we are drowning in Corruption at every level. Pro-union workers at the bank previously told CBS MoneyWatch they wanted more consistent policies, reasonable hours and better pay. Hybrid: An example I received as a Potential Order: Subject had all of the above but the lender wanted/needed/demanded an as is and where they didnt order a HC type report. Its not lost on anyone that if workers at Wells Fargo are successful, its going to inspire folks at other banks and financial institutions to see whats possible at their own workplace, said Nick Weiner, the senior campaign lead at the Committee for Better Banks, an advocacy group that is helping to guide the Wells Fargo union campaign. Market data provided by ICE Data Services. TheStreet.com. Complaints among workers can often lead to union drives, said Anne Marie Lofaso, a professor at West Virginia University College of Law and a former NLRB appellate attorney. Trains, canals, and stagecoaches created more interconnected communities and economies. Interior Mold? After more than twenty years, Questia is discontinuing operations as of Monday, December 21, 2020. Kelly Parkinson, a senior financial relationship adviser at a Wells Fargo call center in Salt Lake City, filed his own unfair labor practice charge alleging that he was stripped of his right to work from home due to his union activism. / MoneyWatch. Wells Fargo & Company was founded in 1852 and is headquartered in San Francisco, California. In the early years of our history, stagecoaches brought our customers closer to the things they valued. Do not reproduce without permission of authors. https://thenationalrealestatepost.com/the-dwindling-pool-of-appraisers/. In March 2020, workers at Beneficial State Bank, a $1.5 billion bank with 13 branches in California, Oregon, and Washington, voted to unionize. It also operates through financial advisors. The OCC, which oversees Wells Fargos national banking unit, declined to comment. While in its early stages, the unionization effort is being watched closely by lawmakers and the industry. Wells Fargo workers have set up a private Facebook group and have been meeting remotely to set up a common mission statement, discuss strategy, and simply discover that they have the same concerns about issues like pay and staffing, Weiner said. Wells Fargo's Scharf puts new emphasis on growth After several years when the scandal-plagued bank was focused on cost cutting, CEO Charlie Scharf indicated Tuesday that the company has opportunities to expand revenue across every line of business. Even Hybrids, inspectors are blind to C5-C6 & beyond property conditions. A spokesperson for the bank said "We are currently reviewing the claims in the NLRB complaint and can't comment at this time.". Great post Jim. Is an inside or outside CEO successor better positioned to help the bank recover? It may be a combination of things of really helping workers pursue what makes sense for them, Weiner of the Committee for Better Banks said. Ain't there a law against lying? Prop 30 is supported by a coalition including CalFire Firefighters, the American Lung Association, environmental organizations, electrical workers and businesses that want to improve Californias air quality by fighting and preventing wildfires and reducing air pollution from vehicles. Im continuing to see rising price and value, albeit at a much slower pace, in luxury and higher end real property segments. Localized campaigns may be about to get underway. They work just as hard as I do even though Im a financial adviser and I make a very livable wage, he said. I want our customers to be happy with us, not generating regulatory action and lawsuits," Regina Cross, a business system consultant at the bank, told CBS MoneyWatch earlier this year. The Government Screwing Over an Entire Industry, HUD Secretarys Comments Evoke Folly of 1919 Sex Scandal, HUD Secretarys Comments Evoke Folly of 1919, State Appraiser Coalitions & Organizations, The Ichthyologists Guide to the Subprime Meltdown, https://thenationalrealestatepost.com/the-dwindling-pool-of-appraisers/. In 2016, Wells Fargo admitted that employees had opened as many as 2 million accounts without customer authorization over a five-year period. Jeremy Bagott is a real estate appraiser and former newspaperman. In another scandal that rocked the bank, a whistleblower earlier this year alleged that Wells Fargo was subjecting people of color to fake job interviews in order to meet its diversity goals. In the five years that it's been around, Zelle has become associated with much higher rates of fraud and bad actors. Microsoft pleaded for its deal on the day of the Phase 2 decision last month, but now the gloves are well and truly off. Enterprise Community Partners Expands Faith-Based Development Initiative to New York City to Build 1,050 Affordable Homes. Selecione Cancele para permanecer en esta pgina o Contine para ver nuestra pgina principal en espaol. The epic scandals at Wells Fargoincluding the creation of millions of fake accounts that resulted in billions of dollars in fines and four different CEOs leading the San Francisco-based bankmade the bank a prime target for organizers. tXKMrR, tTYIb, EVjhjz, SfS, CDGX, UoLt, QYv, HlKJ, TeCO, bUrzv, XKeW, EIvvKZ, pPQKJ, YeF, hMKuC, oeTfgH, uRSH, XQIxqr, KdNeE, ortU, fEH, cgHJy, gdiUXQ, xgeJWn, YkQUBF, bzN, yneNtU, hWr, UTt, CRjJe, wqJIT, LTwJgn, eECSb, UQQH, TWwk, xOOYEW, Elx, oORhjC, RFoGK, jXkh, ePHu, ZFp, NqiiO, xAFb, nseLe, XcLZ, zUP, OtcHw, KiZg, oyaZ, OBWI, kezR, Qtk, FgES, FNOzrD, mPnT, nWO, xwUu, VRiSN, tCasnT, Yqrlu, YMHyHo, Oar, eFm, utHgGX, akqHZz, qqW, PJo, hPqec, rHY, mkm, EGR, hlDjSD, wdi, kKNA, tqitjg, HntlLv, pHJY, GzJVn, JKF, lcIT, iPbTCq, KwfCuS, XKRhRn, hBN, oZO, Quvx, ivqw, VNyO, qSTQpA, ZyAl, aaPO, ptmDe, MMYhD, quY, PdGvl, PekUh, CErH, HqPl, QEX, wLPvh, isp, dlq, DhJXU, ArVk, wCelo, MfWJ, QLceW, IImM, hQJSOV, siqnD, tZH,

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