If you are going to finance a car, let it be electric

During 2017 there were more than 13,000 electric vehicles registered in Spain. According to the information portal on the electric vehicle sector Hybrids and Electrics, this is the first year in which Spain reaches the figure of two digits in terms of the registration of this type of vehicle. Among passenger cars, vans, motorcycles or trucks, a total of 13,021 pure electric vehicles (BEV) and plug-in hybrids (PHEV) were registered last year. This increase in the demand of the sector has generated a consequent adaptation of the market and, as for credits, there are already those that are designed to finance an electric or hybrid car.

The financing of renewable energy cars has options

According to the AEDIVE, Business Association for the Development and Promotion of Electric Vehicles, this increase in the numbers of electric or hybrid cars registered in Spain evidences the growing interest for electric mobility and for vehicles with zero emissions label by companies, administrations, and individuals. And as we said before, the growing demand in the sector means that the market has to adapt to the new needs of the consumer.

Therefore, if we are thinking of looking for financing to get an electric or hybrid car, we can take into account the specific offers for these cases that are in the market like car title loans apply for cash loans online with gadcapital.com.

 

The Bigbank Electric Car Green Loan

The Bigbank Electric Car Green Loan

 

One of the best loans that we find in the current market in order to finance an electric car is the Bigbank Electric Car Electric Loan. Through this loan, we can finance the purchase of our 100% electric vehicle at a very advantageous price. Below we can see the main features of this car loan.

As we can see from the table, the interest is 3.99%, which makes this loan become a cheap loan. In addition, the APR that this car loan presents is also lower than the average, specifically, 4.06%, which is almost half of the APR normally offered by personal loans.

The Green Loan Sustainable Projects of Bigbank

The Green Loan Sustainable Projects of Bigbank

 

Another loan that finances projects for the conservation of the environment is the Green Loan Sustainable Projects of Bigbank. With this loan, we could also finance our electric car (or hybrid), although it also supports other purposes. Below we can see the most remarkable features of this loan:

As we said, this loan can also be used for other types of projects than financing a car. For example, for the purchase of an electric bicycle, for the installation of solar panels or for the purchase of small ECO appliances.

Bankia sustainable credit

Finally, the last convenient credit to finance sustainable products is the Sustainable Credit of Bankia. With this loan, we can also finance an electric car or propelled with some alternative fuel, although, like the previous one, it also allows other types of purposes, such as, for example, the reform of the home to achieve a better energy efficiency.

If we have in mind the acquisition of a sustainable vehicle, therefore, we can already count on specific offers that are in the market thanks to the increase in demand in this sector. In addition, as we have seen, this type of financing is not only reduced to sustainable car loans but also we can go to them (to the last two) in the case of wanting to finance for any type of purpose that takes into account the conservation of the environment.

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The eroded school

The eroded school

Investing in education is investing in the future. This is a maxim that no one seems to dispute, or pedagogues, or politicians or economists. Not so long ago, some two years and a little, before the elections of 20-N , the previous minister, Ángel Gabilondo , still said: “Education should be excluded from the policies of cutting.” And yet, like the rest of social policies, education has been suffering budgetary rigors for some time.

Two figures are enough to get an idea of ​​the magnitude of the problem: public spending on education in Spain has been reduced by around 6,000 million euros. And the staff of the educational centers have decreased by some 50,000 teachers, despite the fact that the school population increases.

First came the concern, soon the anger and protests of the teachers and many families joined, and now it is already in another stage that talks about the erosion of the effort made to cushion the impact of the cuts and discouragement lack of prospects for improvement. It’s what happens when it rains on wet. Never a new educational law, such as the one that Minister José Ignacio Wert tried to promote, had raised so few expectations. And what is called Improvement of Educational Quality .

The grip is very hard: the leading European leadership, the controls of the Treasury and the strict supervision that the autonomous and municipal governments also suffer. There is no money, they repeat each other, and education, being one of the largest games, receives new hacks.

This course has already fully deployed the savings measures set by the ministry last year: raise the ratio of 25 to 30 students per classroom in nursery and primary and from 30 to 36 in high school; increase the teaching schedule of teachers as well as postpone substitutions by leave of teachers until after two weeks. In addition, the replacement rate of only 10% in education is maintained, which means replacing only one out of every ten teachers and teachers who retire. Many interns have been left without teaching. The competitions for new places have practically disappeared, and the possibility of finding work for young teachers disappears. Altogether, less human and material resources.

To the string of bad news is added an already worrisome situation of the school in Spain with dropout rates and school failure of 25%; with poorly satisfactory results in the PISA international tests of Mathematics and Language ; with a professional training (FP) that has never just started, and with warnings from experts about an increase in internal inequalities among students. It is no longer a question of level of knowledge, but of social cohesion.

The European Commissioner for Education , Androulla Vassiliou , has warned that the reduction of the education budget will hinder the exit of the crisis and the recovery of youth employment. Between 2010 and 2012, Greece , Hungary , Italy , Lithuania and Portugal reduced their educational budget by more than 5%. Behind them is another group of countries led by Spain , Estonia and Poland .

Faced with this general picture, the repercussions of cuts and measures on the day-to-day of students (and their families) and teachers are often forgotten; aspects such as workload and stress in the face of the impossibility of doing the class that would be wanted or the resignations that must be accepted more every day by the families of the students … Magazine wanted to condense some of these effects of the crisis and the cuts in the classrooms.

WHO COVERS THE LOWS

WHO COVERS THE LOWS

More class hours, more days to cover a drop, more children per classroom … The adjustment measures have led to a clear reduction in the number of teachers from which a whole series of effects has derived. Lidia Rodríguez , a teacher at the Palomeras public school in the Madrid neighborhood of Vallecas , knows it well. “With the new regulations,” she explains, “teacher absences are not covered until ten business days have passed; so, if two or three get together, we’re annoyed. “

In these cases, the rest of the teachers cover the gap, usually those who support or have part of their time dedicated to a specific service such as tutoring or the unfolding of English, for example. If some children are left without their teacher, for example, they may not go to Computer Science , or the rest of the students may be left without library service because the person in charge covers the drop … In secondary education, a teacher of Language has to give a few days Physics , or the other way around.

MULTIPURPOSE TO STRENGTH

MULTIPURPOSE TO STRENGTH

In fact, having reduced the cadre of teachers of the centers, there are already autonomies where, throughout the course, they must have taught, in addition to the subject in which they are specialists, classes of another, within what are called related subjects , of which there are not enough teachers in that center. For example, a computer teacher may have to give also Technology or even Plastic . Or one of Physics , also Chemistry . Or a philologist, Social Sciences … with the difficulty that this entails for the teacher and the loss of quality that can mean that he teaches a specialty that is not his.

LESS TEACHERS, LESS PERSONALIZED CLASSES

“We are becoming less and less,” explains Madrid professor Lidia Rodríguez , “and those of us who are here must cover those who can not come. We have been removing an English teacher in the children’s cycle, the IT technician; There is no longer a responsible for the library, or responsible for the garden. Disappearances disappear (when the class is divided into two or three groups to work better some subjects, usually the most important) and support measures (a teacher who helps the principal in the class, a speech therapist, teachers dedicated to improving psychomotor skills of the little ones …) “. These resources seek to improve the quality of teaching and offer students more personalized attention, a key issue for experts in the most advanced educational models.

“The book loan service -continues Rodríguez- we do it on the fly … In primary school, flexible, smaller groups are formed for Language and Mathematics , formed according to their learning rhythm. But when you have to replace a classmate and take charge of your class, those groups can no longer be done. ” This veteran teacher shows her concern for the consequences of these adjustments: “Who loses with all this? The kids who go worse, those who have more learning problems, those who can not afford English classes or psychomotor skills. In the end, our effort focuses on the greatest possible continuity, so that students do not go hand in hand. “

CHILDREN SUFFER THE CRISIS

CHILDREN SUFFER THE CRISIS

The crisis enters the classrooms with the backpacks, and unknown situations arrive until now: “I see children of children (3-6 years) who come as tired, who at the mid-morning cooperative breakfast eat as if they had not tasted anything in hours -Says Professor Lidia Rodríguez. There are children who are changing schools in the middle of the year because their families have been evicted or because they have been forced to live with their grandparents. We are seeing needs, and aid is increasingly scarce. “

KINDERGARTEN WITH SMALLER GROUPS PER GROUP

Patufet is a endearing child character in Catalonia that has become vindictive. In April, he delivered 29,515 signatures to Barcelona City Council to request the recovery of the bressol school model (nurseries) that had been considered a model in Europe . It was the first citizen initiative according to a regulation that requires the signature of at least 1% of those registered in Barcelona; almost double was achieved. Patufet was accompanied by a tide of yellow shirts, a symbol of discontent.

The objective of Platform 0-3 that has collected these signatures is that the government of Mayor Xavier Trias reconsiders the management model of day care centers, which is based on outsourcing. It also wants to lower the ratio of students, which has gone from seven to eight students in the lactation classrooms, from 10 to 12 in the one-to-two-year stage and from 18 to 20 in the two-to-three-year spaces. They ask for a support educator per group (at least, three and a half hours a day). And they reject the increase of quotas and that in the future only be linked to the IPC . This course has increased by 27 euros per month, to reach 296 per month, including food. But in the three open facilities, built by the City Council and with private management, the cost amounts to 319 euros.

For Andreu Negre , director of the Parc de la Pegaso municipal nursery and promoter of the initiative, the measures that have been taken “worsen the quality” of the centers, so they ask that the demands be heard and that they become aware of the importance of this educational stage.

FACE SQUARES

FACE SQUARES

A disturbing fact is that enrollment in Catalan public nurseries has fallen by 11% due to the crisis, although a part is due to demography. Parents increasingly have less income to take their children to a kindergarten, and the price grows because of the cuts. In three years, the Departament d’Ensenyament of the Generalitat reduced its contribution, first, from 1,800 euros to 1,600 per seat; then, at 1,300, and this course the subsidy has been left at 875 euros. This has caused that the city councils (that take charge of the cost of the squares of nursery next to the families and the Generalitat) have increased, in general, the quotas that pay the parents. The Ministry of Education has also lowered its contribution, which has embarrassed the Generalitat, which was largely funded by state funds to cover this expense.

The map of education of 0-3 years in Catalonia also has some dysfunctions: centers had been created in populations with little demand, and there are 14,000 vacancies, according to Ensenyament, but in the municipalities of average size there are missing places.

LESS HELP, LESS EXTRAS

LESS HELP, LESS EXTRAS

The cuts involve less aid to guarantee the right to education: decrease in diversity care programs; suspension of the innovation plans – who already remembers the plan of introduction of laptops in the classroom of Zapatero ? -; tougher requirements for scholarships to study and cuts in language, mobility, books and dining.

In neighborhoods on the outskirts of Madrid and Barcelona , teachers have been warning children for months that they arrive at school without having breakfast and without books. The scissors even reaches highly praised programs. The Seneca scholarships to facilitate mobility within Spain have disappeared, and on the Erasmus scholarships, the ministry and the autonomies have notably reduced their aid. Only a part of the families can be paid from now on these exchanges. In the same way, cultural and festive outings and school neighborhoods have been reduced.

QUESTIONED GRATUITY

The co-payment is filtered through the borders of compulsory education: the cost of tuition in public day-care centers increases, the first symbolic rates are fixed in public professional training, and certain extra-school activities that are specific activities of some centers are consolidated and there has already been the biggest increase in university fees, second only to the United Kingdom.

WITH BLANKETS TO CLASS

WITH BLANKETS TO CLASS

Students suffer from the lack of solution to maintenance or infrastructure problems. In the IES Districte Marítim of Valencia , its nearly 2,000 students are “in the fridge” in winter and “in the oven” in summer. In November they were left without heating, which forced students to carry even blankets many days to withstand temperatures close to two degrees. And now, that summer is approaching, they expect, another year, the strong heat, suffocating during the midday hours in some classes. They do not have air conditioning, which is usual in most public and private institutes. What is not normal is lack of heating.

Rosa María Civera , president of AMPA , comments that “there was a leak of water in the system that has not yet been fixed, and that is how we have been for months.” Technicians of the Department of Education prepared a budget of 30,000 euros to repair the damage, but has not yet been done. “It will be fixed, the permits are missing”, they point out in the Generalitat Valenciana ; but the serious problems of liquidity and financing of the Administration , together with the cuts in the Education budget, complicate resolving these issues at the desirable rates. The center was built nine years ago, during the time of former president Francisco Camps .

PATCHED CENTERS

The case of this institute is not unique. The Valencian Administration of Alberto Fabra tries to patch the nefarious management in the construction of centers in the past. In Santa Pola (Alicante), there was a hole in a classroom at the Colegio Hispanidad . Nine school children of nine and ten years old were injured. Last January, at the Luis Vives primary and children’s center in Valencia, he gave in to a piece of the bathroom ceiling. Consellera María José Català has approved an ambitious infrastructure review plan.

SEARCH FOR ANOTHER SCHOOL

SEARCH FOR ANOTHER SCHOOL

Closing a school, even if it’s in a big city and not a town, is a bad drink for many families. With the economic crisis and the search for saving formulas, the suppression of educational centers does not stop increasing. Only the Community of Madrid has decided that the next course stop working eight centers, claiming above all low occupation. A measure that has put families, teachers and public school defense associations on the warpath. They have protested since the end of last year, but their struggle has barely served to pardon a school: Vasco Núñez , exemplary in the integration of gypsy students.

The children’s school Verbena de Leganés . Education defends that this course only enrolled “63 children, when it has capacity for 225”. The parents and the teaching team talk about a pedagogical project offered by very few public and private centers, based on the game, the collaboration between the children and the promotion of their autonomy.

Like other parents, Barbara Andres , whose three-year-old son goes to Verbena since last September, is disappointed with counseling. And she is convinced that it is precisely the peculiar pedagogical method of the center and its structure-it trains children between three and six years old-that has led it to closure. “They do not want schools with children only, they do not want ‘different’ schools. They fill their mouths with the defense of the right of families to choose the most convenient education, but, by discouraging enrollment for years in this center to order closure at the end, they do not respect our choice, “he complains.

“The first time we visited the Verbena , we loved it, we liked its philosophy and that the children are at home,” he adds. A few days ago, Save the Children awarded this school with the distinctive center of the ambassador of the oenegé “for its admirable educational line”. Unless a miracle occurs, no child can enjoy it from June.

TRAVEL TO THE PAST IN THE RURAL SCHOOL

TRAVEL TO THE PAST IN THE RURAL SCHOOL

The school of Samos (Lugo) has computers connected to the internet, although there is no wi-fi and the maintenance is poor. Children can play sports during the harsh winter of the mountain of Lugo in the covered pavilion. From the walls hang murals with drawings of Castelao , the Galician leader died in exile, and teachers speak in Galician, the mother tongue of the 26 students. But the signs of appearance of a rural school of the 21st century contrast with the air of regression, back to the last century, which has meant the application of cuts in education of the Xunta de Galicia , more silent than in other autonomies, but constant .

And it is that, like other centers of this region crossed by the way of Santiago , the suppression of squares of teachers has left the school of Samos with only two groups, in which children of very different ages and with divergent pedagogical needs coexist. Although in subjects such as Mathematics work the split by primary cycles that allows the reduced table of four teachers, there is some subject, such as English, in which children between eight and twelve years old receive classes simultaneously.

“There is a return to the past of the unitary schools, in which all the children were together. But it is not done with the old encyclopedias, but with modern textbooks, designed to dedicate time to the student that the teacher does not have. For the teachers it is a frustration. But the most serious thing is that it discriminates against rural students “, says Professor Pedro Rodríguez , for whom there is a deliberate policy of” expulsion of the people “.

The school is threatened. It reached to have 140 students, now they are 26, fruit of the very serious demographic crisis of this zone, very aged. There are few children in the municipality, and 17 of them go to school to Sarria, 12 kilometers from Samos , although it is further away from some of its villages.

The mothers of the Samos school talk about Sarria as if it were New York . Come there a world where children grow up without contact with the garden and the animals. And they claim that they can spend at least their childhood in their paradisiacal natal environment, as the only way to keep them linked in the future. That is why they have been involved in the struggle to save the school.

Vanessa Fernandez , president of the parents’ association, points out that for the rural schools the cuts are dramatic: “Here we can not take a counselor, because there never was. We directly suppress teachers. And at this step we will have to cut out the blackboards. ” “Children are not toys,” proclaims Iago, one of the students of this school that fights to survive and does not want to be piled up in a more urban school.

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The Dépor must face this year ordinary bankruptcy debt and with banks

Tax Agency and that has been fulfilling for years

El Deportivo will begin to face this year the ordinary bankruptcy debt and the privileged one that it contracted with the financial entities, a commitment of payments that is added to the one collected in the singular agreement that it agreed with the Tax Agency and that has been fulfilling for years.

With the change of the year, in addition to meeting the payments foreseen with the Treasury in the singular agreement signed by both parties in March 2014, the Coruña group will have to begin to satisfy the ordinary bankruptcy debt and that corresponding to the financial entities Abanca and Sabadell Gallego .

The club was forced

The club was forced

To enter into bankruptcy in 2013 with 160 million euros of debt that remained at 140 with the 33% reduction agreed in the agreement that was signed in January 2014, still with Augusto César Lendoiro as president, and that also included two years of grace and 17 years to pay without interest.

Of the bankruptcy debt, 100 million euros had a privileged character (without loss), 30 corresponded to ordinary debt (subject to the 33 percent reduction), and another 30 were considered as subordinated debt (with 33 percent reduction) , which will start paying after 2032.

Already with Tino Fernández as leader, the club agreed in March 2014 the agreement with the Tax Agency, its main creditor, in relation to the privileged debt, with an annual nominal interest of two percent and that he promised to pay starting January 2015 with two installments per season until 2023 as long as the club remained in First.

Subsequently, in July 2015, Deportivo presented the agreement with financial institutions Abanca and Sabadell Gallego to refinance the debt of 14 million euros that it had with both and that it will pay in 2032.

El Deportivo explained then that the amortization structure was progressive, with a lower load in the first seasons and a greater one in the last tranche of the loan, once the club fulfilled the amortization of the privileged debt with the Tax Agency, in the year 2023 (provided the Coruña team remains in the First Division).

Thus, until January 2023 the capital to be amortized in an ordinary manner is 20% and, in the final tranche, between July 2029 and July 2031, 40%.

Under this agreement, the expiration of the operation was fixed in the 2031-2032 season, with an initial grace period until January 2017.

In addition to this debt with banks from a syndicated loan, Deportivo had to face a bilateral loan with Abanca for an amount of 13 million that was refinanced until 2029 with the signing of an advertising contract with the bank that cancels annual fees .

At the last shareholders’ meeting, on December 1, the sports president, Tino Fernández, boasted of economic numbers in front of the partners.

“If we continue like this, in three years, the fat, it is over, there will still be debt, but much more acceptable,” said the president of Deportivo, Tino Fernandez, who was harsh with the previous administration, that of Augusto César Lendoiro.

Fernandez also said that the club is “forced to generate large profits” for the payment schedule that must be addressed from now on.

The objective of the club will be to “recover the balance of assets” after closing the 2015-16 financial year with a decline in negative equity from 90.57 million euros to 83.49.

On June 30, the liability of Deportivo was almost 115 million euros, of which 82.87 correspond to long-term debt and 9.96 are included as short-term debt. 

Last minute of the transfer market: movements and rumors, live

 The daring dress that Georgina wore walking with Cristiano in Milan Cazorla, Ochoa, De Tomás … and all the movements of the transfer market Last News Breath of the Wild officially enters the temporary canon of The Legend of Zelda Terelu Campos launches a reassuring message about his state of health The first photographs of the terrorists of Barcelona and Cambrils Gerard Piqué is associated with billionaire Larry Ellison for the new Davis Cup Spain will house a Hyperloop development center with 250 jobs A book will tell “the madness” of the appointment of Saramago.

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The benefit of sharing

 

There is an alternative to compulsive buying: collaborative consumption. Faced with exclusive and individual property, other forms of sharing the goods now emerge. This not only saves money, but also spreads benefits for society as a whole

By definition, the consumer society lives under the patterns of acquiring, competing, possessing . But another way is not only possible, but it is becoming fashionable: share , collaborate, access or exchange. Social networks are promoting the development of economies that emphasize solidarity rather than individual waste. We can already share a house or car in different degrees; get into microfinance (crowdfunding), which is a way of participating collectively to give credit to those who need it; to try the advantages of shared work (coworking), and even to renounce the consumption of using and throwing with the exchanges, the reuse or the gifts between individuals (of books, of clothes, of music …).

The influential Time magazine already affirmed in 2011 that this phenomenon will be one of the ten ideas that will change the world. The success is corroborated by Albert Cañigueral, creator of Consumocolaborativo.com, a reference website to enter this world. “The new forms of shared or shared economy jeopardize the traditional economy that has turned the citizen into a mere disarmed consumer before the premature expiration of objects and a programmed obsolescence of consumer goods,” he says. In this way, objects are given a second chance to stop compulsive buying and a more lasting and rational economy is promoted.

The accent is not so much to own the property of products, goods or services but how to access and enjoy its use, regardless of who owns it. Property is no longer felt as the only way to happiness, but is demystified and desacralizar disappears a possible source of frustration. In the XXI century, the old practices of barter, exchange or loan now have a new life, boosted by the crisis. These forms of collaboration have served to save, but also to relaunch economic activity. The union not only makes the force , but it comes to account. Forbes magazine estimates that the income of the shared economy this year will exceed 2,600 million euros, with a growth of 25%. Currently there are already some 4,000 companies linked to this world. In just one year, Cañigueral estimates that in Spain there are more than 150 start-ups in this sector. A new generation of microentrepreneurs is showing up in the network. Some example?

At present the desire to travel can be materialized with the free exchange of houses or accommodation at a very low price (there are more than two million registered coachsurfers in the world). More convenient than paying for a week in a hotel! The success of Airbnb is a very illustrative case. This company, according to The Wall Street Journal, has a value of 1,800 million euros. The operation of this platform is simple: the hosts offer accommodation to travelers , who can thus experience another way of moving as they can sleep, eat, shop and socialize like the locals. In turn, the owner of the house, by welcoming guests, meets people from all over the world and also benefits from the extra money earned through the reservation. Knok.com, which is based in Barcelona, ​​is dedicated to promoting the exchange of houses among its users has reached 14,000 users in 145 countries.

Shared mobility has also exploded. 92% of your time the car remains parked. Is it worth buying one? Many variants have been developed: journeys that are shared to distribute gasoline and toll charges (Carpooling.es), companies with fleets of vehicles that can be reserved (Carsharing), car rental between individuals (Social Car has already made 2,500 rentals from its constitution, explains Mar Alarcón, its founder …) or shared taxis (JoinUpTaxi).

In microfinance, crowdfunding is already a reality: Verkami has financed more than 700 projects in two years; Lánzanos.com has collected more than one million euros, with 100,000 registered users in a year; Goteo has obtained 450,000 euros of financing , with an average of 40 euros per cofinancier and with 120 projects underway. Loans between individuals (P2P) are also opening in Spain. This is the case of Comunitae, with 1.5 million euros in transactions and an average net return of 10%. Cañigueral predicts that in this same year will open another innovative vein: the direct loan of individuals to SMEs.

In turn, the exchange markets in the networks are shooting up. According to the WWF, we have up to 4,000 objects in our homes. Fifteen times more than our grandparents. Not all serve and many of us can lend , sell, rent, share. Today it is even possible to rent a drill (whose average life of use is 20 minutes) or anything else. It is enough to take a walk through the web in pages such as Nolotiro.org or Segundamanita.com, a portal specialized in children’s clothing and accessories. O Bookcrossing, which spreads the barter of books while HuertosCompartidos.es offers the possibility of sharing cultivation spaces in cities and towns.

Renting goods can become a way to make a living and you can get an extra return of thousands of euros a month simply by giving up the use of our possessions. For example, if you have a car, you can get up to 7,500 euros a year when renting it to neighbors, according to the Relay Rides website, and, in addition, neighborhood relations are improved. “With shared consumption formulas, companies win but above all people win, because at the same time there is an economic benefit and a social gratification,” says Albert Cañigueral. “What we are seeing is to update practices that have been carried out for some time and that seek to modify the culture of ownership and ownership . They are formulas that allow to acquire the use of a product or its exchange; this is what is really important; not its possession “, explains Rubén Suriñach, consumer expert of the magazine Opcions. It is as if the crisis accelerated the change of values, since young people have gone from giving importance to property to discover the true dimension of its use. At the same time they realize that all are benefits, since intermediaries are suppressed, forums and communities are created, resources are saved and extra money is obtained. “The citizens discover that they can satisfy needs at a lower cost, and that all this it can be done by resorting to the community “, adds Suriñach.

Besides saving , when we share goods, we will be happier? Apparently, yes. “The tangible needs of objects or consumer products, such as food, heat or home, only represent 10% of human needs. Most of them have to do with the emotional aspects, identity or recognition, which belong to the sphere of the relationship with others, “recalls Joana Conill, researcher of alternative economies at the Open University of Catalonia. “These services transform a good into a means to connect with people. And we always need to relate to the community, “confirms Paul Zak, a specialist in neuroeconomics at Claremont Graduate University, who has proven that oxytocin, the well-being hormone, is secreted in these contexts.

A first approximation suggests that these formulas are booming because they are the result of necessity ; for example, that of young people who can not afford expenses. After all, the students are used to sharing a flat . But there is more: “In this way it is discovered that collective purchases, whether of food or goods purchased in bulk, have great economic, vital and ecological benefits,” says Federico Demaria, researcher in degrowth at the Universitat Autònoma de Barcelona. “This is a gateway to self-consumption,” explains Demaria. “In a traditional market, reuse practices or organic products have high transaction costs, while these are drastically reduced thanks to collaborative consumption”, emphasizes this expert.

One of the basic principles of this model is that it requires awakening and testing confidence , as a fundamental instrument to reformulate, cement and relaunch social (and also commercial) relationships. Internet plays a crucial role, since that is where the enormous potential of the principle of “the more you give, the more you receive” is verified. “Trust will be the new coin,” warned Rachel Botsman and Roo Rogers in the book, symbol of this movement, What’s mine is yours (what is mine is yours). The citizen distrusts in principle someone who proposes to rent his car, lend money, give away a stroller in disuse or deliver the dining room table that he no longer needs. We are not used to generosity , because the traditional economy has been governed by rules that speak of interest and benefit. However, “then it is proven that all this is not only possible but it is something useful, desirable and rewarding,” says Demaria, convinced that this is how the barriers that separate individuals fall. “The best demonstration is that whoever tries repeats”, rivets Cañigueral.

And that explains the boiling of the initiatives fueled by this illusion. “The existence of social networks has made everything easier, since people who do not know each other but have common interests find there a place where they can satisfy their consumption needs,” explains Mauro Fuentes, director of Socia @ ogilvy. When the exchanges were made face to face it was required that this transaction guarantee be ratified by a friend, an acquaintance or a reliable intermediary, while these platforms incorporate reputational systems that allow to validate the trust between the parties. “If a landlord leaves a negative opinion about a guest, it’s going to be more complicated for someone to agree to share something with that person. The platforms establish, then, a sort of natural sieve, “says Mauro Fuentes.

Is this the economic model of the future? “Collaborative consumption is also a response to hyper-consumption that involves a waste of materials and a generation of waste,” explains Cañigueral. It opens the door to rational consumption of resources and sustainable development. “60% of the clothes that go to waste could be reused, ” recalls Demaria at this point. “In the same way that they taught us and encouraged us to be consumers to use and throw away, in the future they will have to teach us to share,” says Suriñach. With collaborative consumption, the conception that the economy “aims to satisfy the needs of people is recovered, while a traditional view of the economy seeks to maximize the benefits”, analyzes Joana Conill. For Craig Shapiro, founder of Collaborativefund.com, “property will not disappear, but attitudes toward property are changing.” “Capitalism operates with loneliness and individualism , and it needs individual people to work, while the alternative economy works with direct relationships and networks,” says Conill. And the forerunners of this economy feel precisely a great need to do things among themselves. To live better.

 Consumer groups

Consumer groups are one of the most relevant phenomena in the tendency to share the purchase of food . This is the case of the Xicòria association, which works on a two-hectare farm in Montblanc (Conca de Barberà) and supplies food to two consumer cooperatives (the Biobals of Montblanc and Nafent, in Gràcia, Barcelona). These cooperatives pay a fixed monthly fee in advance (70 euros per family), which allows them to have a basket of varied vegetables every week. In addition, the association Xicòria supplies food to two associations of parents, mothers and students who are also a group of consumers. “We were in an ecological consumption group in Barcelona and El Vallès, until we decided to take the leap and produce the food ourselves,” says Annaïs Sastre, from Xicòria, proud of having rescued varieties such as the subway mongo long. This association is composed of two men and two women who are around 30 years old. They have already spent four years dedicating themselves to the orchard, medicinal plants, fruit trees (all organic) and environmental education.

Second hand premium clothes

<strong>Second hand premium clothes</strong>

It may seem a contradiction. We are supposed to want first brands for their exclusive value. But the times are changing. Does it make sense to spend a fortune on a piece of clothing that we may not have long to wear? What’s wrong with filling our closet with dresses that were already in other people’s closets? Natalia González is the founder of the Yanomelopongo website. “I went to markets a lot. I liked second-hand clothes. He saw that people bought little, because he had a certain modesty . But the second-hand garment has life and it can be given a way out. Why not take advantage of it? “In this platform the user can get first brands at a good price. “Most of them are little used,” says González. Exclusive ownership, even for luxury goods, currently trades a little lower. “Many, in recent years, bought to buy. But we all have something that we have stopped putting ourselves: because we do not do well, it has gone out of style . Better sell it! We are not going to get rich either: the prices are as much as 100 euros, “he explains. It is more about promoting another form of more responsible consumption. In London, for example, young people often wear used clothing without complexes. “The idea has a future: most of our clients are under 40 years old,” says González. The new generations have discovered that the second hand is also cool.

Rent in exchange for rehabilitating houses

<strong>Rent in exchange for rehabilitating houses</strong>

“I leave my house and, in return, you rehabilitate me.” This is the maxim that has served for the owner of a large disused mansion in the Barcelona neighborhood of Sarriá (in Pomaret Street specifically) and a group of 12 young people have reached the satisfactory agreement for both parties. The owner can see his house rehabilitated and the young people will be on a rent for a very cheap price. All this new experience is being piloted by the cooperative Sostre Cívic, who has mediated both parties in this cohousing experience. The exchange will solve the housing problem for this group of low-income young people who were looking for a large house in Barcelona, ​​with free spaces, while offering their availability to lend their knowledge in carpentry and masonry to help rehabilitate housing . The owner, who lives in Mallorca, was interested because in recent years he has seen how the mansion (500 m2 and 400 m2 of garden) deteriorated and was forced to monitor it and increase maintenance costs. “In the end, a selection of responsible users has been made, which will maintain the building,” says Raúl Robert, president of Sostre Civic. The young people will have a 15-year contract (they will pay only 225 euros a month to the cooperative, of which they are partners) and will rehabilitate the house, while Sostre Cívic will pay the owner an annual fee for that cession of the use. Sostre Cívic is a cooperative that promotes houses or flats where the occupants acquire a right to use in exchange for a small fee, although the property is still owned by the cooperative.

Shared gardens

<strong>Shared gardens</strong>

The desire to cultivate an organic garden is also possible even if you do not have your own farm. The proposal has been launched by Reforesta, which has among its followers the Mi Cosecha association. Parcels of 50 and 100 m2 are left to people who want to start organic farming. Its 65 orchards are in La Rinconada, ten minutes from Seville. And the harvests obtained are delivered as social baskets to the people most in need. “In Seville there are no plots for urban gardens, and what we do is give them up,” says Ismael Sánchez, president of Mi Cosecha. “There is not a maximum period of time to cultivate them, but the idea is that they cover a period of training here,” he adds. You just have to give 35 euros to cover expenses. Objective? Learn to know the impact of food on CO2, promote the ecological and discover its advantages in the face of intensive agriculture.

Share nanny

<strong>Share nanny</strong>

Giacomo d’Alisa is a researcher at the Universitat Autònoma de Barcelona. Along with six other families, has decided to hire an educator who is responsible for six children, who have between one year and seven months and two and a half years. The children meet every day in an outdoor park in Gràcia, in Barcelona. Once a week, according to established rotation shifts, a family of this group stays one day in the park to see how their son evolves closely, always accompanied by the presence of the educator. “It’s something constructive. It is not about replacing public education, or about creating a parallel elitist system, but about verifying that public education can work better if it allows for the participation of parents. We also put ourselves to the test. The question is not only to protect our children, but to rethink our role as parents and put it into discussion , confronting it directly with education “, explains d’Alisa. The fact of sharing an educator among six families involves a few challenges, in terms of organization and the reconciliation of different demands, which can be very different. However, the agreement is not only possible, but it is rewarding. “We have been forced to reacquire the ability to give us rules, to create and regulate a collective. Parents make assemblies, make decisions … And we realized that many of us had lost this habit. Either we had delegated it to the paternalistic State or to the market. ” This experiment is also a saving , since the cost is lower than it would be, in comparison, to send the children to a nursery. They are all benefits.

Use the same car

The BlaBlaCar website uses some figures that invite reflection: more than 63% of Spaniards use the car every day to go to work. And, among them, 80% travel alone. The annual fuel expense for the car adds 1,200 euros. One wonders if this system of urban circulation of the car can become sustainable (besides being, impractical). In 2004, a platform was born in France that connects drivers (with free seats in their cars), with passengers looking for a trip and going to the same destination . The idea is that if there are more people doing the same route, they can get together in a single vehicle and thus save on expenses, in addition to reducing traffic and environmental impact. Two years ago, BlaBlaCar landed in Spain. It already has more than two million registered and in two years the volume of trips has grown 400%. An example: a car trip from Madrid to Barcelona with three passengers can leave for 29 euros. Thanks to a rating system and opinions, each member receives a positive or negative evaluation , which constitutes their reputation in the network. This allows, in addition to guaranteeing a minimum of security, maintaining quality. The data says that BlaBlaCar users trust more between them … than their neighbors! Besides saving, traveling by car can even be fun. People are known and social links are established. “We can say that people have experienced a change in their way of consuming and also to understand the ownership of resources. Now, it is increasingly preferred to pay for the use of them, instead of paying to get the property, “they say from the company.

Toys for children part-time

Those who are parents of young children know this very well: after Christmas and birthdays, the house is filled with toys that, once the initial enthusiasm has passed, end up accumulating in the corners of the room. The children grow fast. And they tire even faster of certain toys. A solution to this exasperated consumerism is the Pikatoy website. Account Magda Pérez, the founder of this platform, that once her little daughter asked her: ‘Mom, why do not you set up a playroom at home so that the children come to play?’ And then she saw that in France there was already a website that rented toys for children. He decided to start a project here. “We selected suppliers to be of high quality. We also provide the user with rechargeable batteries so that they do not have to store them uselessly at home “. And so, families become part of a virtual community that allows them to rent toys for a specific time. The most chosen option is three months. Consumers usually pay a monthly amount for these services from 20 euros. After the deadline, you can renew the rent, exchange for a new one or, if the little one is fond of the toy, buy it. “It’s a phenomenon that’s going to go further. What to buy to buy is neither practical nor good. We do not amortize the value we invest in things. It is very sad, we must take advantage of resources, “explains Pérez. In his opinion, “we have to rethink the way we spend time and money. Currently, you have to invest more in experiences and less in possessions. Because property limits us a lot. “

Exchange books

Notice to book lovers (on paper): it is one thing to cultivate the love of reading, another thing is to become a fetish collector of volumes that, in all likelihood, never again open in our lives. The website Libroscompartidos was born with this objective: to exchange books at zero cost and to encourage the passion of reading. It promotes a form of bartering through the network. Also with books, sharing can be cheaper and more beneficial to the community than individual acquisition. Juan Corona, the creator of the page, lists the success figures. “We already have four thousand members and a catalog of 20,000 books. In two years of operation, more than 4,000 exchanges have taken place. And we have 10,000 followers on Facebook. ” How does it work? A reader detaches himself from a book and gives it, in a definitive way, to another who wants to read it. Through a credit system, it acquires the possibility of obtaining another volume of interest. To ensure that the books are in good condition and that the owner is a reliable person, there is a scoring system for the different users, who thus establish a ranking. “Although, honestly, it is not necessary, because those who have books on paper tend to take care of them a lot,” says Corona. How did the idea come about? “I realized that people could not buy books because of the crisis, ” he says. Paying less than five euros (shipping costs), one has access to books that in a store would become very expensive, such as text, for example. “There are people who at the beginning are skeptical, it is difficult for them to give a book from their bookshelf, but given the possibility of getting another copy, this fear is already lost,” says Corona. “I believe that in the future people will not want to keep so many things for so long. Without calculating that in this way one also has access to discontinued books “. Who said that the paper books had their days counted?

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Nicaragua cuts its budget due to the crisis and affects public investment

Nicaragua cuts its budget due to the crisis and affects public investmentManagua, Aug 14 (EFE) .- Nicaragua today cut its spending budget for this year by 186.3 million dollars, 1.3 percent of its GDP, in the midst of its bloodiest sociopolitical crisis since the 1980s. Last century.

The amendment, sent urgently by the country’s president, Daniel Ortega, affects, mainly, public investment programs, health and education portfolios, and transfers to municipalities, according to the project approved by the pro-government deputies and its allies.

The budget cut was due to a lower collection of tax revenues of up to 9.2 percent, and a reduction in donations and disbursements of external loans, explained the Minister of Finance and Public Credit, Iván Acosta, who made a presentation before the plenary before its approval.

The official said that the protests against the Ortega government, initiated on April 18 by failed social security reforms that have left hundreds dead, have also caused serious damage to the economy, especially in tourism sectors, trade and transport.

The tourist activity will have a reduction of income of 231 million dollars this year, he said.

Meanwhile, up to now they have recorded the closure of 8,708 companies, most of them micro and small, which have left 71,012 workers in the formal sector unemployed and 119,567 in total.

Likewise, it reported losses of 525 million dollars in the transport sector, including infrastructure.

Despite the budget cut, the finance minister said that the 130,000 jobs in the public sector that were included in the initial budget are safe.

The general expenditure budget for 2018 went from 2,745.8 million dollars to 2,559.5 million dollars, 186.3 million dollars less and only 0.9 percent more than in 2017.

Meanwhile, the general budget of income was reduced by 235.2 million dollars, 9.2 percent less than the initial budget approved and 0.7 percent lower than in 2017.

The new budget deficit is 48.8 million dollars, the official explained.

Some of the most affected sectors are the Public Investment Program, with 129.5 million dollars less; the health worker, who will lose 26.6 million dollars; the transfer to the municipalities, with 23.6 million dollars; and education, whose income will be reduced by 19.7 million.

To “partly compensate for the drop in revenue collection and employment protection policy,” and to support the liquidity shortfall facing the Nicaraguan Social Security Institute (INSS), the Parliament authorized the Treasury to seek greater external sources of funds. financing and issuing bonds up to an amount of 280 million dollars.

During the debate, the deputy and president of the Conservative Party, Alfredo César, considered this cut “insufficient” and did not rule out a new adjustment in the last quarter of this year.

The Sandinista Wálmaro Gutiérrez, president of the Foreign Affairs Committee, accepted that “it is a hard and perhaps insufficient budget reform”, but that they have to go “step by step”.

He explained that the economic team of the Government, to which he belongs, elaborated that reform trusting that Nicaragua will be returning “to the channels of normality” after the protests against Ortega, which he described as a “failed coup”.

Likewise, he did not rule out that the Parliament approves a reform to the Tax Law to eliminate exonerations to the big companies and “to pay the ones that have to pay”.

Opposition liberal deputy Azucena Castillo criticized the government for its “lack of ability” to respond to student protests and prefer the disproportionate use of force.

Castillo warned that Ortega, and Nicaragua in general, “is going through a breach of international discredit, both financially and in terms of human rights,” which will prevent it from rapidly recovering its growth.

Ortega acknowledged yesterday the “enormous damage to the economy” by the protests started on April 18, which forced him to present the cut.

Nicaragua is mired in a sociopolitical crisis that has left, according to different human rights organizations, between 317 and 448 deaths, but the government figures the victims in 198, which makes it the bloodiest since the 80s.

The protests against Ortega were initiated by failed social security reforms and became a demand for the resignation of the president, after eleven years in power, with accusations of abuse and corruption against him.

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Drinks that are not milk (soy, rice, almonds …)

 

Image result for not milk

A species of antilácteos conscience is permanently present in our environment causing the reliance on milk thousands of negative aspects for health. This antilácteo positioning to which I refer also works as a kind of dial that offers different intensities. In the most light position of this position are those who defend their consumption only when the product itself has an ecological origin ; then there are those who ecological or not, milk will only be an acceptable product while it has not been subjected to any treatment including pasteurization (yes, I know it seems incredible, but this also exists) since apparently these processes are the cause of God knows how many evils; then there are those enemies at all costs of milk as an animal product that is and propose in substitution the consumption of other vegetable drinks, white , which they falsely call milk . On the side contrary to any of these positions are those who say that milk, the original, is little less than essential for proper maintenance of health and that it is necessary to take I do not know how many glasses or liters a day. How about clarifying these issues a little? After everyone does what they want, but whatever they do, please do not try to convince others of their approaches and, if you do, provide evidence.

Neither the “soy milk” nor the “other” … are milk

Before continuing, it is essential to make some semantic-legal clarifications . In the food context, the legislation warns that the name “milk” refers to:

The normal mammary secretion of dairy animals obtained by means of one or more milkings without any type of addition or extraction, destined to the consumption in the form of liquid milk or to further elaboration

In case this definition had not been clear, the same legal text makes the following clarification (I suppose knowing the multiple abuses that are committed in this regard):

Only “foods” that meet the defined definition can be called “milk”

So, neither soy “milk”, nor almond “milk”, nor rice “milk” … nor “milks” several. The denomination of these products will be, normally, “drink of … ” or “drink based on extract of …” which corresponds in each case (you can check it by going to your fridge or looking in the supermarket).

Are these drinks a good substitute for real milk?

Image result for substituteThe answer is depends. It depends on what, I mean. From a strictly nutritional point , as you can imagine, they do not have much to do , so as a substitute in this aspect, neither good nor bad, they simply are not. At this point it is necessary to clarify that if something stands out milk as food and something has been recommended so insistently (until almost to the vehemence) is its richness in calcium and being a dietary source of this mineral especially important (Remember that being rich in a nutrient and being at the same time a good source of it does not have to be a consequence of the other ). But it is not by far the only dietary source of this mineral, according to the “manual” Krausse Dietoterapia 12th ed , green leafy vegetables like cabbage, broccoli, spinach, small fish bones, clams and oysters , are, among others, good sources of calcium . In addition, it can also be some enriched drinks (in calcium, it is understood), such as soy, as other enriched juices can contain both calcium and cow’s milk .

But it is necessary to make two clarifications for those who read too quickly: 1st in these last cases refers to enriched drinks (I say this so that lovers of the “natural” have it in consideration ) and; 2nd Having as much calcium as milk does not mean, I insist, that the product ends up being such a good dietary source like this one ; the questions of bioavailability, the presence at the same time of other nutrients that facilitate or hinder its absorption, etc. are also elements to be taken into account.

However, this type of drinks could be a good substitute as an interchangeable item for reasons of convenience (who likes it, of course). Let me explain, if someone has decided not to drink milk for whatever reason and at breakfast time, they would like a coffee “with milk” or a cup of soluble cocoa to use as a substitute the soya , almond drink or whatever, It will be more convenient than, for example, mixing the coffee with the orange juice or putting the cocoa powder in a glass of warm water …. for saying something.

So what is better to drink: milk or soy drink?

Image result for what is betterThis question is similar to what is best to take: sliced ​​bread or slices of mortadella? That is to say, if by its best it refers to its effects on health … they are not nutritionally comparable foods . But do not spread panic. If you want and you like it, you can take both , milk and soy drink … or four: milk, soy drink, bread and mortadella. Also, whether something is good or bad will depend, as we saw in this input of multiple factors. At the moment the frequency with which it is consumed and its quantity and, in addition to the rest of our diet and the rest of our life.

But, in the end, do we have to drink milk?

No. Neither is it obligatory, nor indispensable , nor, in the strict sense, would I say that it is advisable to give a certain milk intake a day. In fact, the most recent recommendations on milk, I mean those that seem more accurate, refer to milk as a food , without giving it a greater importance and without assigning a group of food, with its frequency and quantity of consumption . These recommendations I am talking about are those of the School of Public Health of Harvard University. Although, as you know, other recommendations such as those of the US Government and more in our environment, those of the Ministry of Health , continue to give milk and dairy products in general an “indispensable” daily role within the recommendations. Moreover, in the case of the plate of healthy eating at Harvard University the allusion to the dairy issue is to refer to control their quantity rather than to encourage their consumption . That is, milk if you want to, but do not go over it and especially do not use it as a “drink” to replace water (something more common outside of our Hispanic environment) .

In summary, whenever you have an adequate diet, milk is one more food on which it is not necessary to make specific recommendations, nor are they made on the consumption of tomatoes or of the pipes of clabaza, to say the least.

Now, saying this and believing the conspiranoid ideas that are often heard about milk are not the same thing ( this sketchy summary document is essential to illustrate this nonsense taken from the illustrious ” Discovery Salud “). So, neither damn, nor blessed, when you hear about milk that you know that … white and in bottle.

As the dairy theme goes a long way, I suggest that if you want visits these other entries:

  • The so-called “growth milks”: unnecessary and expensive
  • “Daisy”, the cow that gives hypoallergenic milk
  • The intriguing numbers at the base of milk “cartons”
  • Intolerances that are milk: lactose intolerance
  • Lactose intolerance: Food and people involved
  • Is the Human Being the only one who consumes milk after breastfeeding?
  • Dairy products do not increase mucus
 
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BM calls for more space for private sector infrastructure in Latin America

BM calls for more space for private sector infrastructure in Latin America

The World Bank (WB) today urged Latin American governments to take advantage of the “potential” of the private sector to overcome the infrastructure deficit that is dragging the region at a time when several countries are going through by hard “fiscal adjustment processes”.

There are options available to increase the participation of private capital at a time of weak economic growth for the region, said the vice president for Latin America and the Caribbean of the World Bank, Jorge Familiar, at a seminar held on Thursday in Sao Paulo.

“Now that there is talk of reviving growth, infrastructure is at the center of the discussion and in Latin America we do not have the infrastructure that we need and that we deserve,” denounced the WB high official.

Familiar recommended that, given the “complex moment” that some countries are going through with deep “fiscal adjustment processes”, it is necessary that “the potential of the private sector be fully exploited”.

For this, he opted for “a new paradigm” with respect to investments in infrastructure that privileges “efficiency and effectiveness” with greater public-private initiatives and always based on “absolute transparency”.

The World Bank considered that Latin America must increase efficiency in infrastructure spending, since it represents only 2.8% of its gross domestic product (GDP) annually, compared to 7.7% in East Asia and the Pacific or the 6.9% from the Middle East and North Africa.

“Let each peso, real or dollar be invested and used in the best possible way,” said Familiar.

According to the report “Private financing of public infrastructures through public-private partnerships in Latin America and the Caribbean,” presented Thursday in the capital of São Paulo, 17 countries already have units to develop public-private partnerships.

These alliances represent “close to 40% of the annual investment commitments” in infrastructure in Latin America and the Caribbean, the text said.

The report shows, however, that private capital represents “less than a third of the total financing” of public-private partnerships, and that about half of these alliances in Latin America received some type of government support between 2010 and 2014 .

For the World Bank, the programs of Chile and Mexico are the most successful in the region, especially in the transport sector, in line with Brazil, Colombia and Peru, which also have extensive trajectories in this type of associations.

However, “all those markets have problems to solve to create a competitive bidding environment,” the document added.

The agency highlighted that Bolivia, Ecuador, Nicaragua and Venezuela “still have not developed viable public-private initiatives”.

“We have to eliminate normative uncertainty, strengthen procurement processes because when they are inefficient or not very transparent, they generate excessive and unnecessary costs,” explained Familiar, who pointed out that “we must use public resources, which are scarce, only for investments. who need it. “

In this regard, the institution stated in the document that “most of the countries of the region still face difficulties with the adequate preparation of projects, which go to tender without an adequate basis” for their execution.

For his part, the Minister of Finance of Brazil, Henrique Meirelles, said in his speech that constant changes in the regulations of Latin American countries hit a “very negative” private investment in infrastructure in the region.

“One of the most negative things in infrastructure investment is that countries change the rules from one year to the next,” explained Meirelles.

The Brazilian Planning Minister, Dyogo Oliveira, who also participated in the event, highlighted that Brazil, in addition to the deep structural reforms it has in its agenda, is preparing new regularization frameworks for the telecommunications or mining sector in order to attract more investment. .

Oliveira stressed that he works on the “simplification of the concession process” for small projects that are carried out through public-private partnerships.

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