Return-Path: Delivered-To: charley@transocean.com Received: from vps.transocean.com by vps.transocean.com with LMTP id 0HplJ0C5w1psLwAAInt2oQ for ; Tue, 03 Apr 2018 10:26:24 -0700 Return-path: Envelope-to: charley@transocean.com Delivery-date: Tue, 03 Apr 2018 10:26:24 -0700 Received: from mail.internationalliving.com ([208.250.48.90]:43155) by vps.transocean.com with esmtps (TLSv1:DHE-RSA-AES256-SHA:256) (Exim 4.89_1) (envelope-from ) id 1f3PhD-00039t-DG for charley@transocean.com; Tue, 03 Apr 2018 10:26:24 -0700 DKIM-Signature: v=1; a=rsa-sha256; c=relaxed/simple; d=internationalliving.com; s=dkim1024; t=1522776329; bh=NSp8naDq3oBOcd9e63QlRhtNmgrljJMpBAyKChYrcpA=; h=To:From:Subject:MIME-Version:Content-Type; b=aqylYGuir2a0cYkOtYT4EapN/jCgI7zXjiTUhmlr9qfYamhE/66e9XhLWXk2fNcwc 3Ny8OKmhCNGOxvJq43r1CajL5REZWSM6KrT7sorZDCFke8zSuxw/gMkxIA3p42jHGh pKJDaBUlPgz5JP5PfXAJ7Z5V79JvAbcy2BqdSivg= X-MSFBL: Y2hhcmxleUB0cmFuc29jZWFuLmNvbUBpbnRsaXZAZGVmYXVsdEBib3VuY2VzLW1j cGFpZC1jLTI5ZDMtMzNkYS0yOWEzLTJmOTBmNC01Yzk0Ng== Received: from [10.0.1.201] ([10.0.1.201:54991] helo=mc2-prod-gen.agora.local) by mo-prod-mta5 (envelope-from ) (ecelerity 3.6.6.46048 r(Core:3.6.6.1)) with ESMTP id 33/9E-19938-809B3CA5; Tue, 03 Apr 2018 13:25:28 -0400 Date: Tue, 03 Apr 2018 13:25:28 -0400 Message-ID: <33.9E.19938.809B3CA5@mo-prod-mta5> To: From: International Living X-agora_seedlist: agora120_010707010659 X-rpcampaign: agora120_010707010659 Subject: The Real, Money-Saving Benefits I Get From Panama's Pensionado Program Reply-To: MIME-Version: 1.0 Content-Type: multipart/alternative; boundary="-----=5ac37f6212a12" List-Unsubscribe: , X-binding: IntLiv X-Spam-Status: No, score=-2.0 X-Spam-Score: -19 X-Spam-Bar: -- X-Ham-Report: Spam detection software, running on the system "vps.transocean.com", has NOT identified this incoming email as spam. The original message has been attached to this so you can view it or label similar future email. If you have any questions, see root\@localhost for details. Content preview: #main { max-width: 600px; margin:auto; } @media (max-width: 700px) { #main{ width:100%; } img { max-width: 100%; } [...] Content analysis details: (-2.0 points, 3.0 required) pts rule name description ---- ---------------------- -------------------------------------------------- 0.0 URIBL_BLOCKED ADMINISTRATOR NOTICE: The query to URIBL was blocked. See http://wiki.apache.org/spamassassin/DnsBlocklists#dnsbl-block for more information. [URIs: internationalliving.com] -0.0 SPF_HELO_PASS SPF: HELO matches SPF record -0.0 SPF_PASS SPF: sender matches SPF record -0.0 T_RP_MATCHES_RCVD Envelope sender domain matches handover relay domain 0.0 HTML_MESSAGE BODY: HTML included in message -1.9 BAYES_00 BODY: Bayes spam probability is 0 to 1% [score: 0.0000] -0.1 DKIM_VALID Message has at least one valid DKIM or DK signature 0.1 DKIM_SIGNED Message has a DKIM or DK signature, not necessarily valid -0.1 DKIM_VALID_AU Message has a valid DKIM or DK signature from author's domain 0.0 LOTS_OF_MONEY Huge... sums of money 0.0 T_MONEY_PERCENT X% of a lot of money for you X-Spam-Flag: NO -------=5ac37f6212a12 Content-Type: text/plain; charset="UTF-8" Content-Transfer-Encoding: quoted-printable #main { max-width: 600px; margin:auto; } @media (max-width: 700px) { #main{ width:100%; } img { max-width: 100%; } } @media (min-width: 701px){ #main{ width:100%; } img { max-width: 100%; } } @media (max-width: 320px) { #sidebar { display: block; margin: 5px auto; } }

You are receiving th= is e-mail because you subscribed to International Living Postcards.
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International Living Postcards=E2=80=94your daily escape Tuesday, April 3, 2018 Dear International Living Reader, One of the most obvious advantages to retirement in Panama is its world-fam= ous Pensionado program. The government initiative offers retirees a whole h= ost of discounts on everyday costs of living, making this already low-cost = country even more affordable. But what are the specific savings you get, and how do they apply to the lif= e of a U.S. or Canadian expat? Below, IL Pedas=C3=AD Correspondent Jim Gault breaks down the specific cost= savings he experiences with the Pensionado program, so you can see how muc= h money you could save too. Read on... Declan Aylward Managing Editor, IL Postcards P.S. Panama is a safe, stable, and affordable country that could be your pe= rfect warm-weather retirement destination. And the International Living Fas= t Track Panama Conference we're hosting in Panama City is the best place fo= r you to kick start your retirement here. You'll meet face-to-face with our= in-country experts, editors, and correspondents...and come away with a cle= ar guide to make your move with as little stress as possible. All the detai= ls are here. http://click2.internationalliving.com/t/DA/KdM/M9o/AC_Q9A/AAXJ= Rg/MzMzMTMzfGh0dHBzOi8vcHJvLmludGVybmF0aW9uYWxsaXZpbmcuY29tL20vODk2NDk5P2E9= MTImbz0xMDcwNyZzPTEzMjc0JnU9MzExNzMwMCZsPTMzMzEzMyZyPU1DMiZ2aWQ9YVgzVnhGJmc= 9MA./AQ/3QNp * * * The Real, Money-Saving Benefits I Get From Panama's Pensionado Program By Jim Gault When my wife, Abbe, and I looked to retire overseas a few years ago, I foun= d that Panama's excellent Pensionado Visa or Retirement Program was a great= way to stretch my Social Security pension. Naturally, the perks sounded li= ke a perfect way to save some money, and they have proven to be just that= =E2=80=94providing substantial discounts on many goods and services we regu= larly use. You usually have to ask for the discounts and you must show prop= er identificationn. Here are some of the cost savings and benefits of the program that we have = used since we moved here, and continue to use: * 20% off prescription medications: Because my wife and I take several = medications, we often use this benefit. When you ask for the discount and s= how the proper identification, the pharmacist will reduce the cost by 20%. = This is a significant saving for us. * 30% off public transportation fares: We regularly take the large air-= conditioned, coach-style bus from Las Tablas into Panama City. The routine = ticket price is $9.70, but only $6.70 with our discount. * 30% to 50% off hotel stays (depending if it is a weekday or weekend):= We have used this discount several times. Once, in an exotic beach resort,= we stayed two nights for the price of one. * 25% off at restaurants: We have used this perk many times and have fo= und that the discount applies only to the main meal (excluding specials), b= ut not to the appetizer, desert, or drink portion of the check. Service pro= viders appreciate if you tip (propina ) on the amount before the discount. = My experience is that the discount easily covers the entire tip. * 15% off at fast food restaurants: We use this at numerous fast food c= hains. * 25% off electricity, water, and phone bills: This is a huge monthly b= enefit as our electric bill is usually $100 per month before the discount, = so the 25% is a lot of money every month. Our monthly water bill averages a= low $5.68 per month and $4.26 after the discount. Still, savings enough to= buy a cup of coffee or cold drink. * 25% off airplane tickets: This discount is offered for both in person= and online purchases made directly from the airline, not a travel agent. O= ur experience has been that the 25% savings is not on the entire ticket bec= ause it does not apply to taxes and certain fees. Recently my wife purchase= d a $280 ticket before the discount that ended up costing $230 (a 19% savin= gs). * 15% off doctor and dentist visits: This benefit has provided major co= st savings, such as: =C2=B0 Ophthalmologists: $58 before and $50 after the discount =C2=B0 Orthopedic specialist: $70 before and $60 after the discount =C2=B0 Primary doctor visit: $40 before and $32 after the discount * 20% off lab tests: This benefit has saved us a lot of money on things= like blood work, mammograms, digital X-rays, and bone density tests. =C2=B0 Digital X-rays: $59 before and $47 after the discount (14 tests) =C2=B0 Blood work: $210 before and $170 after the discount (14 tests) =C2=B0 Mammogram: $55 before and $46.75 after the discount (only 15% but no= t worth arguing) =C2=B0 Bone density: $50 before and $42.50 after the discount (15%) =C2=B0 Open MRI: $420 before and $360 after the discount * One-time exemption on the importation of household goods up to $10,00= 0: We used this benefit when we brought a 20-foot container of household go= ods. It meant enormous savings for us. Other benefits that we have not used yet, but hope to in the future, includ= e: * 20% off professional and technical services * 15% off hospital bills (if no insurance applies) * 50% off entertainment anywhere in the country (movies, theaters, conc= erts, sporting events) * 50% reduction in closing costs for home loans We regularly enjoy the perks of the Pensionado program to save significant = amounts of money, including the tax money we would have paid on the pre-dis= count rate. We use the money for a better lifestyle, which includes more di= nners out, and weekday getaways. Editor's note: Panama's Pensionado program is the most generous and appeali= ng program of special benefits you'll find anywhere in the world today. But= it's just one of the many reasons to move to this warm-weather paradise. T= hat's why we want you to join us for our Fast Track Panama Conference http:= //click2.internationalliving.com/t/DA/KdM/M9o/AC_Q9A/AAXJRg/MzMzMTMzfGh0dHB= zOi8vcHJvLmludGVybmF0aW9uYWxsaXZpbmcuY29tL20vODk2NDk5P2E9MTImbz0xMDcwNyZzPT= EzMjc0JnU9MzExNzMwMCZsPTMzMzEzMyZyPU1DMiZ2aWQ9YVgzVnhGJmc9MA./Ag/Dwqu and l= earn, in-person, the many rewards (and, yes, the challenges) of moving to P= anama. When you meet with our dozens of experts, you'll come away with all = the knowledge and contacts necessary to make your move happen with confiden= ce. And if you book your seat here today, http://click2.internationalliving= .com/t/DA/KdM/M9o/AC_Q9A/AAXJRg/MzMzMTMzfGh0dHBzOi8vcHJvLmludGVybmF0aW9uYWx= saXZpbmcuY29tL20vODk2NDk5P2E9MTImbz0xMDcwNyZzPTEzMjc0JnU9MzExNzMwMCZsPTMzMz= EzMyZyPU1DMiZ2aWQ9YVgzVnhGJmc9MA./Aw/HKTy you'll get a special $200 Early B= ird discount http://click2.internationalliving.com/t/DA/KdM/M9o/AC_Q9A/AAXJRg/MzMzMTM2f= Gh0dHBzOi8vcHJvLmludGVybmF0aW9uYWxsaXZpbmcuY29tL20vODk2NTAwP2E9MTImbz0xMDcw= NyZzPTEzMjc0JnU9MzExNzMwMCZsPTMzMzEzNiZyPU1DMiZ2aWQ9YVgzVnhGJmc9MA./AQ/vcmv =C2=A0 If you are not yet a reader of our DAILY IL POSTCARDS just click here to st= art receiving your very own copy =E2=80=94 IT'S FREE and you'll also receiv= e a special report to help you find your perfect place to live overseas. ht= tp://click2.internationalliving.com/t/DA/KdM/M9o/AC_Q9A/AAXJRg/jmQ/AQ/QDwt International Living and its editors have been featured in: http://click2.internationalliving.com/t/DA/KdM/M9o/AC_Q9A/AAXJRg/MTY2MzYyf= Gh0dHBzOi8vaW50ZXJuYXRpb25hbGxpdmluZy5jb20vbWVkaWEtY2VudGVyLz9JTFBPU1RDQT1j= b21wbGV0ZQ./AQ/72R5 Customer Service The mailbox associated with this email address is not monitored, so please = do not reply. Your feedback is very important to us so if you would like to= contact us with a question or comment, please click here http://click2.int= ernationalliving.com/t/DA/KdM/M9o/AC_Q9A/AAXJRg/MTQwODE1fGh0dHBzOi8vaW50ZXJ= uYXRpb25hbGxpdmluZy5jb20vaWx2LWFuZC1wcm9kdWN0cy8-dXRtX3NvdXJjZT1Qb3N0Y2FyZH= MmdXRtX21lZGl1bT1FbWFpbCUyMCZ1dG1fY2FtcGFpZ249RnJlZSUyMEZpbGU./AQ/nGHt . If you no longer wish to receive IL Postcards, click here to unsubscribe. http://click2.internationalliving.com/t/DA/KdM/M9o/AC_Q9A/AAXJRg/AAKJ3A/AQ= /znlS International Living=E2=80=94There's more... * For more in-depth articles, subscribe to International Living's magaz= ine. As a magazine subscriber along with your monthly in-depth issues, you = will receive free copies of our most popular reports, discounts off our con= ferences and tours, free white papers on a World-Wide Tax Guide, Adventure = Travel, and more...One year's subscription is normally priced at $69 howeve= r as a valued postcard reader you can subscribe today for just $49 http://c= lick2.internationalliving.com/t/DA/KdM/M9o/AC_Q9A/AAXJRg/MzY0NTZ8aHR0cHM6Ly= 9zZWN1cmUuaW50ZXJuYXRpb25hbGxpdmluZy5jb20vSUxWUk9TUENBL0VJTFZSNEQxP2E9MTImb= z0xMDcwNyZzPTEzMjc0JnU9MzExNzMwMCZsPTM2NDU2JnI9TUMyJnZpZD1hWDNWeEYmZz0w./AQ= /OYXB . * IL Conferences, Seminars, and Tours http://click2.internationalliving= .com/t/DA/KdM/M9o/AC_Q9A/AAXJRg/MTk5OTM5fGh0dHBzOi8vaW50ZXJuYXRpb25hbGxpdml= uZy5jb20vY29uZmVyZW5jZXMvP3V0bV9zb3VyY2U9UG9zdGNhcmRzJnV0bV9tZWRpdW09RW1haW= wlMjAmdXRtX2NhbXBhaWduPUZyZWUlMjBGaWxl./AQ/6obP * View today's hot real estate opportunities here http://click2.interna= tionalliving.com/t/DA/KdM/M9o/AC_Q9A/AAXJRg/MTQwODE5fGh0dHBzOi8vaW50ZXJuYXR= pb25hbGxpdmluZy5jb20vcmVhbC1lc3RhdGUvP3V0bV9zb3VyY2U9UG9zdGNhcmRzJnV0bV9tZW= RpdW09RW1haWwlMjAmdXRtX2NhbXBhaWduPUZyZWUlMjBGaWxl./AQ/_gO2 . * IL's Syndication Program http://click2.internationalliving.com/t/DA/K= dM/M9o/AC_Q9A/AAXJRg/MTg3MTI3fGh0dHBzOi8vaW50ZXJuYXRpb25hbGxpdmluZy5jb20vYW= JvdXQtaWwvc3luZGljYXRpb24vP3V0bV9zb3VyY2U9UG9zdGNhcmRzJnV0bV9tZWRpdW09RW1ha= WwlMjAmdXRtX2NhbXBhaWduPUZyZWUlMjBGaWxl./AQ/wUGr * IL's Online Classified Ads http://click2.internationalliving.com/t/DA= /KdM/M9o/AC_Q9A/AAXJRg/MTQwODIxfGh0dHA6Ly9jbGFzc2lmaWVkcy5pbnRlcm5hdGlvbmFs= bGl2aW5nLmNvbS8-dXRtX3NvdXJjZT1Qb3N0Y2FyZHMmdXRtX21lZGl1bT1FbWFpbCUyMCZ1dG1= fY2FtcGFpZ249RnJlZSUyMEZpbGU./AQ/LAh_ * Follow our editors around the world on Twitter and Facebook http://cl= ick2.internationalliving.com/t/DA/KdM/M9o/AC_Q9A/AAXJRg/MTQwODIyfGh0dHBzOi8= vaW50ZXJuYXRpb25hbGxpdmluZy5jb20vYWJvdXQtaWwvc29jaWFsLW1lZGlhLz91dG1fc291cm= NlPVBvc3RjYXJkcyZ1dG1fbWVkaXVtPUVtYWlsJTIwJnV0bV9jYW1wYWlnbj1GcmVlJTIwRmlsZ= Q./AQ/ottu IL Magazine Subscribers: To cancel or for any other subscription issues, write us at: International Living Order Processing Center Attn: Customer Service P.O. Box 968 Frederick, MD 21705 (c) 2018 International Living Publishing Ltd. All Rights Reserved. Protecte= d by copyright laws of the United States and international treaties. This N= ewsletter may only be used pursuant to the subscription agreement and any r= eproduction, copying, or redistribution (electronic or otherwise, including= on the world wide web) , in whole or in part, is strictly prohibited witho= ut the express written permission of International Living, Woodlock House, = Carrick Road, Portlaw, Co. Waterford, Ireland. Registered in Ireland No. 285214 Website: www.InternationalLiving.com http://click2.internationalliving.com/= t/DA/KdM/M9o/AC_Q9A/AAXJRg/MTQwODIzfGh0dHBzOi8vaW50ZXJuYXRpb25hbGxpdmluZy5j= b20vP3V0bV9zb3VyY2U9UG9zdGNhcmRzJnV0bV9tZWRpdW09RW1haWwlMjAmdXRtX2NhbXBhaWd= uPUZyZWUlMjBGaWxl./AQ/KGKN Nothing in this e-mail should be considered personalized advice. Although o= ur employees may answer your general customer service questions, they are n= ot licensed under securities laws to address your particular situation. No = communication by our employees to you should be deemed as personalized advi= ce. -------=5ac37f6212a12 Content-Type: text/html; charset="UTF-8" Content-Transfer-Encoding: quoted-printable

You are receiving th= is e-mail because you subscribed to International Living Postcards.
T= o change your email settings, view the information at the bottom of this em= ail.

3D"International

International Living Postcards= =E2=80=94your daily escape
Tuesday, April 3, 2018

Dear International Livi= ng Reader,

One of the most obvious advantages to retirement in Panama is its world-fa= mous Pensionado program. The government initiative offers retirees= a whole host of discounts on everyday costs of living, making this already= low-cost country even more affordable.

But what are the specific savings you get, and how do they apply to the lif= e of a U.S. or Canadian expat?

Below, IL Pedas=C3=AD Correspondent Jim Gault breaks down the spec= ific cost savings he experiences with the Pensionado program, so y= ou can see how much money you could save too.

Read on...

3D"Declan"

Declan Aylward
Managing Editor, IL Postcards

P.S. Panama is a safe, stable, and affordable country that could be your = perfect warm-weather retirement destination. And the International Livi= ng Fast Track Panama Conference we're hosting in Panama City is the be= st place for you to kick start your retirement here. You'll meet face-to-fa= ce with our in-country experts, editors, and correspondents...and come away= with a clear guide to make your move with as little stress as possible. All the details are here.

* * *

The Real, Money-Saving Benefits I Get From Panama's Pensionado Program
By Jim Gault

When my wife, Abbe, and I looked to retire overseas a few years ago, I foun= d that Panama's excellent Pensionado Visa or Retirement Program wa= s a great way to stretch my Social Security pension. Naturally, the perks s= ounded like a perfect way to save some money, and they have proven to be ju= st that=E2=80=94providing substantial discounts on many goods and services = we regularly use. You usually have to ask for the discounts and you must sh= ow proper identificationn.

Here are some of the cost savings and benefits of the program that we have = used since we moved here, and continue to use:

  • 20% off prescription medications: Because my wi= fe and I take several medications, we often use this benefit. When you ask = for the discount and show the proper identification, the pharmacist will re= duce the cost by 20%. This is a significant saving for us.
  • 30% off public transportation fares: We regularly= take the large air-conditioned, coach-style bus from Las Tablas into Panam= a City. The routine ticket price is $9.70, but only $6.70 with our discount= .
  • 30% to 50% off hotel stays (depending if it is a weekday or= weekend): We have used this discount several times. Once, in an e= xotic beach resort, we stayed two nights for the price of one.
  • 25% off at restaurants: We have used this perk ma= ny times and have found that the discount applies only to the main meal (ex= cluding specials), but not to the appetizer, desert, or drink portion of th= e check. Service providers appreciate if you tip (propina) on the = amount before the discount. My experience is that the discount easily cover= s the entire tip.
  • 15% off at fast food restaurants: We use this at = numerous fast food chains.
  • 25% off electricity, water, and phone bills: This= is a huge monthly benefit as our electric bill is usually $100 per month b= efore the discount, so the 25% is a lot of money every month. Our monthly w= ater bill averages a low $5.68 per month and $4.26 after the discount. Stil= l, savings enough to buy a cup of coffee or cold drink.
  • 25% off airplane tickets: This discount is offere= d for both in person and online purchases made directly from the airline, n= ot a travel agent. Our experience has been that the 25% savings is not on t= he entire ticket because it does not apply to taxes and certain fees. Recen= tly my wife purchased a $280 ticket before the discount that ended up costi= ng $230 (a 19% savings).
  • 15% off doctor and dentist visits: This benefit= has provided major cost savings, such as:
    =C2=B0 Ophthalmologists: $58 before and $50 after the discount
    =C2=B0 Orthopedic specialist: $70 before and $60 after the discount
    =C2=B0 Primary doctor visit: $40 before and $32 after the discount
  • 20% off lab tests: This benefit has saved us a lot o= f money on things like blood work, mammograms, digital X-rays, and bone den= sity tests.
    =C2=B0 Digital X-rays: $59 before and $47 after the discount (14 tests)
    =C2=B0 Blood work: $210 before and $170 after the discount (14 tests)
    =C2=B0 Mammogram: $55 before and $46.75 after the discount (only 15% b= ut not worth arguing)
    =C2=B0 Bone density: $50 before and $42.50 after the discount (15%)
    =C2=B0 Open MRI: $420 before and $360 after the discount
  • One-time exemption on the importation of household goods = up to $10,000: We used this benefit when we brought a 20-foot cont= ainer of household goods. It meant enormous savings for us.

Other benefits that we have not used yet, but hope to in the future, includ= e:

  • 20% off professional and technical services
  • 15% off hospital bills (if no insurance applies)
  • 50% off entertainment anywhere in the country (movies, theaters, concer= ts, sporting events)
  • 50% reduction in closing costs for home loans

We regularly enjoy the perks of the Pensionado program to save sig= nificant amounts of money, including the tax money we would have paid on th= e pre-discount rate. We use the money for a better lifestyle, which include= s more dinners out, and weekday getaways.

Editor's note: Panama's Pensionado program is the= most generous and appealing program of special benefits you'll find anywhe= re in the world today. But it's just one of the many reasons to move to thi= s warm-weather paradise. That's why we want you to join us for our Fast Track Panama Conference and learn, in-person, the man= y rewards (and, yes, the challenges) of moving to Panama. When you meet wit= h our dozens of experts, you'll come away with all the knowledge and contac= ts necessary to make your move happen with confidence. And if you book your seat here today, you'll get a special $200 Early Bird di= scount

= =C2=A0

If you are not yet a= reader of our DAILY IL POSTCARDS just click here to= start receiving your very own copy =E2=80=94 IT'S FREE and you'll also rec= eive a special report to help you find your perfect place to live overseas.=

International Living= and its editors have been featured in:

3D"featured

Customer Service
The mailbox associated with this email address is not monitored= , so please do not reply. Your feedback is very important to us so = if you would like to contact us with a question or comment, please click here.

If y= ou no longer wish to receive IL Postcards, click here to unsubscribe.

Inte= rnational Living=E2=80=94There's more...

IL M= agazine Subscribers:
To cancel or for any other subscription = issues, write us at:
International Living
Order Processing Center
Attn: Customer Service
P.O. Box 968
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(c) 2018 Int= ernational Living Publishing Ltd. All Rights Reserved. Protected by copyrig= ht laws of the United States and international treaties. This Newsletter ma= y only be used pursuant to the subscription agreement and any reproduction,= copying, or redistribution (electronic or otherwise, including on the worl= d wide web) , in whole or in part, is strictly prohibited without the expre= ss written permission of International Living, Woodlock House, Carrick Road= , Portlaw, Co. Waterford, Ireland.

Registered i= n Ireland No. 285214
Website: www.InternationalLiving.co= m

Nothing in t= his e-mail should be considered personalized advice. Although our employees= may answer your general customer service questions, they are not licensed = under securities laws to address your particular situation. No communicatio= n by our employees to you should be deemed as personalized advice.


= -------=5ac37f6212a12--