{"id":9350,"date":"2026-01-06T08:39:51","date_gmt":"2026-01-06T01:39:51","guid":{"rendered":"https:\/\/ringkas.co.id\/?page_id=9350"},"modified":"2026-01-06T08:43:42","modified_gmt":"2026-01-06T01:43:42","slug":"kpr-take-over","status":"publish","type":"page","link":"https:\/\/ringkas.co.id\/en\/kpr-take-over\/","title":{"rendered":"KPR Take Over"},"content":{"rendered":"<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\" \/>\n<link rel=\"preconnect\" href=\"https:\/\/fonts.gstatic.com\" crossorigin \/>\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=DM+Sans:wght@400..700&family=Inter:wght@400..700&family=Noto+Color+Emoji&display=swap\" rel=\"stylesheet\" \/>\n<link rel=\"stylesheet\" href=\"https:\/\/cdn.jsdelivr.net\/npm\/swiper@11\/swiper-bundle.min.css\"\/>\n<style>\n\n\tbody{overflow-x:hidden!important}\n\n\tselect {-webkit-appearance: none; -moz-appearance: none; appearance: none; background-color: white; background-image: url(\"data:image\/svg+xml;charset=US-ASCII,%3Csvg xmlns='http:\/\/www.w3.org\/2000\/svg' viewBox='0 0 4 5'%3E%3Cpath fill='%234F5D72' d='M2 5L0 3h4z'\/%3E%3C\/svg%3E\"); background-repeat: no-repeat; background-position:right 0.7rem top 9px; background-size: 0.65rem auto;}\n\n\t@media (max-width:767px) {\n\t\t.es-email{max-width:120px!important}\n\t}\n\n\t.logged-in #page-container{margin-top:0!important}\n\t\n\t#main-content > .container {max-width: 100%!important;}\n\t@media (min-width: 1280px) {\n\t\t#main-content > .container {max-width: 100%!important;}\n\t}\n\n\tbody:not(.et-tb) #main-content .container{padding-top:0!important}\n\t.entry-title.main_title{display:none}\n\t\n\t.section-lp-affiliate{font-family:'DM Sans', sans-serif;}\n\t.section-lp-affiliate .container{padding-top:0!important; max-width:800px;}\n\t.section-lp-affiliate h1 {font-family:'DM Sans', sans-serif; font-size:30px; font-weight:700}\n\t.section-lp-affiliate h2 {font-family:'DM Sans', sans-serif;}\n\t.section-lp-affiliate h3 {font-family:'DM Sans', sans-serif;}\n\t.section-lp-affiliate h4 {font-family:'DM Sans', sans-serif;}\n\t.section-lp-affiliate h5 {font-family:'DM Sans', sans-serif;}\n\t.section-lp-affiliate h6 {font-family:'DM Sans', sans-serif;}\n\t.section-lp-affiliate p{font-family:'DM Sans', sans-serif; margin-bottom:20px}\n\t.section-lp-affiliate p:last-child{margin-bottom:0}\n\t.section-lp-affiliate a{text-decoration:none}\n\n\t#whatsapp-cta-button{font-family:'DM Sans', sans-serif;}\n\t\n\t@media (max-width: 767px) {\n\t\t.section-lp-affiliate h1{font-size:24px}\n\t}\n\t\n<\/style>\n\n<!-- Simulasi Take Over -->\n<section id=\"simulasi\" class=\"section-lp-affiliate px-6 pt-[80px] md:pt-[120px] pb-[80px] bg-[#EDF6FF] bg-cover bg-center\" style=\"background-image: url('https:\/\/ringkas.co.id\/wp-content\/uploads\/2025\/05\/bg-Simulasi.jpg');\">\n\t<div class=\"container mx-auto mb-[40px]\">\n\t\t<h1 class=\"text-center\">Simulasi KPR Take Over<\/h1>\n\t\t<p class=\"text-center\">Cek estimasi cicilan bulanan KPR Take Over dari KPR yang berjalan saat ini<\/p>\n\t\t<div class=\"relative w-full bg-white rounded-[16px] shadow-lg p-[20px] z-10\">\n\t\t\t<form id=\"form-simulasi-take-over\" class=\"\" action=\"\">\n\t\t\t\t<!-- 1. Jumlah plafon KPR awal -->\n\t\t\t\t<label for=\"input-sisa-pinjaman\" class=\"block text-sm font-medium text-gray-700 mt-0 mb-0\">Perkiraan sisa pinjaman saat ini<\/label>\n\t\t\t\t<div class=\"mt-[10px]\">\n\t\t\t\t\t<div class=\"flex items-center border border-solid border-[#4F5D72] rounded-[8px] p-[10px]\">\n\t\t\t\t\t\t<span class=\"text-sm pr-[10px] mr-[10px] py-0 px-0 border-r border-solid border-[#9BA4B1] rounded-l-[6px]\">Rp<\/span>\n\t\t\t\t\t\t<input type=\"text\" id=\"input-sisa-pinjaman\" value=\"\" placeholder=\"00.000.000\" class=\"w-full outline-none p-0 text-sm border-none focus:ring-0\" inputmode=\"numeric\" style=\"border:0!important\" required \/>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t<!-- 4. Cicilan per bulan saat ini -->\n\t\t\t\t<label for=\"input-cicilan-bulanan\" class=\"block text-sm font-medium text-gray-700 mb-0 mt-[20px]\">Cicilan per bulan saat ini<\/label>\n\t\t\t\t<div class=\"mt-[10px]\">\n\t\t\t\t\t<div class=\"flex items-center border border-solid border-[#4F5D72] rounded-[8px] p-[10px]\">\n\t\t\t\t\t\t<span class=\"text-sm pr-[10px] mr-[10px] py-0 px-0 border-r border-solid border-[#9BA4B1] rounded-l-[6px]\">Rp<\/span>\n\t\t\t\t\t\t<input type=\"text\" id=\"input-cicilan-bulanan\" value=\"\" placeholder=\"00.000.000\" class=\"w-full outline-none p-0 text-sm border-none focus:ring-0\" inputmode=\"numeric\" style=\"border:0!important; background:transparent!important;\" required \/>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t<!-- 5. Jumlah Top Up diajukan -->\n\t\t\t\t<div id=\"field-topup-group\">\n\t\t\t\t\t<label for=\"input-penambahan-dana-pinjaman\" class=\"block text-sm font-medium text-gray-700 mb-0 mt-[20px]\">Penambahan dana pinjaman\/top-up (jika ada)<\/label>\n\t\t\t\t\t<div class=\"mt-[10px]\">\n\t\t\t\t\t\t<div class=\"flex items-center border border-solid border-[#4F5D72] rounded-[8px] p-[10px]\">\n\t\t\t\t\t\t\t<span class=\"text-sm pr-[10px] mr-[10px] py-0 px-0 border-r border-solid border-[#9BA4B1] rounded-l-[6px]\">Rp<\/span>\n\t\t\t\t\t\t\t<input type=\"text\" id=\"input-penambahan-dana-pinjaman\" placeholder=\"00.000.000\" class=\"w-full outline-none p-0 text-sm border-none focus:ring-0\" inputmode=\"numeric\" style=\"border:0!important\" \/>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t\t\t<!-- 6. Tenor baru KPR & 10. bulan -->\n\t\t\t\t<label for=\"input-tenor-baru-kpr\" class=\"block text-sm font-medium text-gray-700 mb-0 mt-[20px]\">Jangka Waktu Pinjaman<\/label>\n\t\t\t\t<div class=\"flex items-center border border-solid border-[#4F5D72] rounded-[8px] p-[10px]\">\n\t\t\t\t\t<input type=\"text\" id=\"input-tenor-baru-kpr\" value=\"\" placeholder=\"00\" inputmode=\"decimal\" class=\"w-full outline-none p-0 text-sm border-none focus:ring-0\" style=\"border:0!important\" required>\n\t\t\t\t\t<span class=\"text-sm ml-[10px] py-0 px-0 rounded-l-[6px]\">Tahun<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t<small id=\"error-tenor-baru\" class=\"text-red-500 text-xs mt-1 hidden\">Tenor baru harus lebih besar dari sisa tenor pinjaman.<\/small>\n\t\t\t\t\n\t\t\t\t<!-- Save Button -->\n\t\t\t\t<div class=\"pt-4\">\n\t\t\t\t\t<button type=\"submit\" id=\"btn-hitung\" class=\"w-full bg-[#015FC5] text-white py-2 px-4 rounded-full z-50\">Calculate<\/button>\n\t\t\t\t<\/div>\n\t\t\t\t<p class=\"pt-4 text-sm font-medium text-gray-700\">Catatan: Untuk pengajuan KPR Take Over\/Take Over Top-Up, total pinjaman yang dapat diajukan mulai dari Rp 150.000.000.<\/p>\n\t\t\t<input type=\"hidden\" name=\"trp-form-language\" value=\"en\"\/><\/form>\n\t\t<\/div>\n\t<\/div>\n\n\t<div id=\"simulasi-area\" class=\"container mx-auto hidden\">\n\n\t\t<div class=\"flex flex-col md:flex-row gap-8 items-start\">\n\n            <div class=\"w-full md:w-1\/2\">\n                <h2 class=\"w-full flex items-center justify-center gap-[15px] text-[#223250] text-2xl leading-[1.875rem] font-bold text-center p-0\">\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/ringkas.co.id\/wp-content\/uploads\/2025\/05\/Calculator.svg\" alt=\"\" class=\"h-[48px] w-auto\" \/>Simulasi Take Over<br \/>Fixed Rate 3 Tahun\n\t\t\t\t<\/h2>\n\t\t\t\t<div class=\"bg-white p-5 mt-4 rounded-[12px]\">\n\t\t\t\t\t<div class=\"flex justify-between mb-2\">\n\t\t\t\t\t\t<div><strong>Sisa Pinjaman<\/strong><\/div>\n\t\t\t\t\t\t<div>Rp<span id=\"fr3-sisa-pinjaman\"><\/span><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"flex justify-between mb-2\">\n\t\t\t\t\t\t<div><strong>Jangka Waktu Pinjaman<\/strong><\/div>\n\t\t\t\t\t\t<div><span id=\"fr3-tenor-baru-kpr\"><\/span> tahun<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<hr class=\"mb-2\">\n\t\t\t\t\t<div class=\"flex justify-between mb-2\">\n\t\t\t\t\t\t<div><strong>Penambahan dana pinjaman<\/strong><\/div>\n\t\t\t\t\t\t<div style=\"width:200px; text-align:right\">Rp<span id=\"fr3-penambahan-dana-pinjaman\"><\/span><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"bg-white p-5 shadow-lg mt-4 rounded-[16px]\">\n\t\t\t\t\t<div class=\"bg-[#F1F2F4] py-2 px-4 rounded-[12px]\">\n\t\t\t\t\t\t<p class=\"text-center text-[12px]\" style=\"margin-bottom:0px\">Cicilan per bulan saat ini<\/p>\n\t\t\t\t\t\t<p class=\"text-center text-[14px]\"><span id=\"fr3-cicilan-bulanan\" class=\"font-bold text-[17px]\"><\/span><span  class=\"font-bold text-[17px]\">jt<\/span>\/bln<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/ringkas.co.id\/wp-content\/uploads\/2025\/05\/Arrow-1.svg\" alt=\"\" class=\"mx-auto\" \/>\n\t\t\t\t\t<div class=\"bg-[#EDF6FF] py-2 px-4 rounded-[12px] relative\">\n\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/ringkas.co.id\/wp-content\/uploads\/2025\/05\/Group-1.svg\" alt=\"\" class=\"absolute w-[120%] left-0 top-[-20px]\"  \/>\n\t\t\t\t\t\t<p class=\"text-center\" style=\"margin-bottom:0\">Cicilan baru<\/p>\n\t\t\t\t\t\t<p class=\"text-center text-[#0060C6] text-[24px]\" style=\"margin-bottom:0\"><span id=\"fr3-cicilan-baru\" class=\"text-[44px] font-bold\"><\/span><span class=\"text-[44px] font-bold\">jt<\/span>\/bln<\/p>\n\t\t\t\t\t\t<div class=\"fr3-total-hemat\">\n\t\t\t\t\t\t\t<p class=\"text-center text-[14px]\" style=\"margin-bottom:10px\">hemat <span id=\"fr3-hemat\" class=\"text-[#0060C6] font-bold\"><\/span><span class=\"text-[#0060C6] font-bold\">jt<\/span>\/bln<\/p>\n\t\t\t\t\t\t\t<hr class=\"mb-2 border-t-1 border-[#B2D7FF] max-w-[160px] mx-auto\" \/>\n\t\t\t\t\t\t\t<p class=\"text-center\" style=\"margin-bottom:0\">Total hemat selama periode fixed rate<\/p>\n\t\t\t\t\t\t\t<p class=\"text-center text-[#0060C6] text-[44px] font-bold\" style=\"margin-bottom:0\"><span id=\"fr3-total-hemat\"><\/span>jt<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<hr class=\"mb-2 border-t-1 border-[#B2D7FF] max-w-[160px] mx-auto\" \/>\n\t\t\t\t\t\t<p class=\"text-center\">Bunga mulai dari <span class=\"bg-[#E6FFFB] text-[#0A979C] font-bold text-[13px] rounded-full border border-solid border-[#0A979C] py-[2px] px-[6px]\"><span id=\"fr3-bunga-mulai-dari\"><\/span>%<\/span><\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n            <\/div>\n\n            <!-- COLUMN 2 -->\n            <div class=\"w-full md:w-1\/2\">\n                <h2 class=\"w-full flex items-center justify-center gap-[15px] text-[#223250] text-2xl leading-[1.875rem] font-bold text-center p-0\">\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/ringkas.co.id\/wp-content\/uploads\/2025\/05\/Calculator.svg\" alt=\"\" class=\"h-[48px] w-auto\" \/>Simulasi Take Over<br \/>Fixed Rate 5 Tahun\n\t\t\t\t<\/h2>\n\t\t\t\t<div class=\"bg-white p-5 mt-4 rounded-[12px]\">\n\t\t\t\t\t<div class=\"flex justify-between mb-2\">\n\t\t\t\t\t\t<div><strong>Sisa Pinjaman<\/strong><\/div>\n\t\t\t\t\t\t<div>Rp<span id=\"fr5-sisa-pinjaman\"><\/span><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"flex justify-between mb-2\">\n\t\t\t\t\t\t<div><strong>Jangka Waktu Pinjaman<\/strong><\/div>\n\t\t\t\t\t\t<div><span id=\"fr5-tenor-baru-kpr\"><\/span> tahun<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<hr class=\"mb-2\">\n\t\t\t\t\t<div class=\"flex justify-between mb-2\">\n\t\t\t\t\t\t<div><strong>Penambahan dana pinjaman<\/strong><\/div>\n\t\t\t\t\t\t<div style=\"width:200px; text-align:right\">Rp<span id=\"fr5-penambahan-dana-pinjaman\"><\/span><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"bg-white p-5 shadow-lg mt-4 rounded-[16px]\">\n\t\t\t\t\t<div class=\"bg-[#F1F2F4] py-2 px-4 rounded-[12px]\">\n\t\t\t\t\t\t<p class=\"text-center text-[12px]\" style=\"margin-bottom:0px\">Cicilan bulanan saat ini<\/p>\n\t\t\t\t\t\t<p class=\"text-center text-[14px]\"><span id=\"fr5-cicilan-bulanan\" class=\"font-bold text-[17px]\"><\/span><span  class=\"font-bold text-[17px]\">jt<\/span>\/bln<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/ringkas.co.id\/wp-content\/uploads\/2025\/05\/Arrow-1.svg\" alt=\"\" class=\"mx-auto\" \/>\n\t\t\t\t\t<div class=\"bg-[#EDF6FF] py-2 px-4 rounded-[12px] relative\">\n\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/ringkas.co.id\/wp-content\/uploads\/2025\/05\/Group-1.svg\" alt=\"\" class=\"absolute w-[120%] left-0 top-[-20px]\"  \/>\n\t\t\t\t\t\t<p class=\"text-center\" style=\"margin-bottom:0\">Cicilan baru<\/p>\n\t\t\t\t\t\t<p class=\"text-center text-[#0060C6] text-[24px]\" style=\"margin-bottom:0\"><span id=\"fr5-cicilan-baru\" class=\"text-[44px] font-bold\"><\/span><span class=\"text-[44px] font-bold\">jt<\/span>\/bln<\/p>\n\t\t\t\t\t\t<div class=\"fr5-total-hemat\">\n\t\t\t\t\t\t\t<p class=\"text-center text-[14px]\" style=\"margin-bottom:10px\">hemat <span id=\"fr5-hemat\" class=\"text-[#0060C6] font-bold\"><\/span><span class=\"text-[#0060C6] font-bold\">jt<\/span>\/bln<\/p>\n\t\t\t\t\t\t\t<hr class=\"mb-2 border-t-1 border-[#B2D7FF] max-w-[160px] mx-auto\" \/>\n\t\t\t\t\t\t\t<p class=\"text-center\" style=\"margin-bottom:0\">Total hemat selama periode fixed rate<\/p>\n\t\t\t\t\t\t\t<p class=\"text-center text-[#0060C6] text-[44px] font-bold\" style=\"margin-bottom:0\"><span id=\"fr5-total-hemat\"><\/span>jt<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<hr class=\"mb-2 border-t-1 border-[#B2D7FF] max-w-[160px] mx-auto\" \/>\n\t\t\t\t\t\t<p class=\"text-center\">Bunga mulai dari <span class=\"bg-[#E6FFFB] text-[#0A979C] font-bold text-[13px] rounded-full border border-solid border-[#0A979C] py-[2px] px-[6px]\"><span id=\"fr5-bunga-mulai-dari\"><\/span>%<\/span><\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n            <\/div>\n\n        <\/div>\n\n\t\t<p class=\"text-center mt-[30px] mb-[30px]\">*Simulasi KPR ini disediakan sebagai estimasi awal dan tidak mengikat. Besaran sebenernya dapat berbeda tergantung kebijakan mitra finansial, suku bunga yang berlaku, serta hasil proses pengajuan KPR.\n<\/p>\n\t\t<p class=\"text-center mt-[30px] mb-[30px]\">Ajukan melalui Ringkas, nikmati suku bunga khusus dan dapatkan promosi takeover (bebas biaya appraisal, diskon biaya kredit, dan lainnya) sesuai dengan syarat & ketentuan dari mitra finansial berlaku.<\/p>\n\t\t\n\t\t<div class=\"flex flex-col md:flex-row justify-center items-center gap-[24px]\">\n\t\t\t<a href=\"https:\/\/app.ringkas.co.id\/register\"\n\t\t\t   target=\"_blank\"\n\t\t\t   class=\"w-full md:w-auto bg-[#015FC5] text-white py-2 px-6 rounded-full font-semibold text-center no-underline\">\n\t\t\t\tAjukan Sekarang\n\t\t\t<\/a>\n\n\t\t\t<a href=\"https:\/\/risa.ringkas.homes\/\"\n\t\t\t   target=\"_blank\"\n\t\t\t   class=\"w-full md:w-auto bg-[#FFCC02] text-[#213250] py-2 px-6 rounded-full font-semibold text-center no-underline\">\n\t\t\t\tKonsultasi dengan RISA AI\n\t\t\t<\/a>\n\t\t<\/div>\n\n\t\t\n\t<\/div><!-- .container -->\n<\/section><!-- .section-lp-affiliate -->\n\n\n<!-- Javascript -->\n<script src=\"https:\/\/cdn.jsdelivr.net\/npm\/swiper@11\/swiper-bundle.min.js\"><\/script>\n<script src=\"https:\/\/cdn.jsdelivr.net\/npm\/alpinejs@3.x.x\/dist\/cdn.min.js\" defer><\/script>\n<script>\n\/\/ ========================== Clean Google Query Parameters ==========================\nfunction cleanURL(event, element) {\n  event.preventDefault();\n  const url = new URL(element.href);\n  ['_gl', '_gcl_au'].forEach(param => url.searchParams.delete(param));\n  window.location.href = url.href;\n}\n\n\/\/ SIMULASI TAKEOVER\ndocument.addEventListener('DOMContentLoaded', function () {\n\n\t\/* ===============================\n\t   CONFIG\n\t=============================== *\/\n\tconst FR3_BUNGA = 4.25;\n\tconst FR5_BUNGA = 6.25;\n\n\t\/* ===============================\n\t   ELEMENTS\n\t=============================== *\/\n\tconst form = document.getElementById('form-simulasi-take-over');\n\tif (!form) return;\n\n\tconst simulasiArea = document.getElementById('simulasi-area');\n\tconst btnHitung = document.getElementById('btn-hitung');\n\n\tconst inputSisa = document.getElementById('input-sisa-pinjaman');\n\tconst inputCicilan = document.getElementById('input-cicilan-bulanan');\n\tconst inputTopup = document.getElementById('input-penambahan-dana-pinjaman');\n\tconst inputTenorBaru = document.getElementById('input-tenor-baru-kpr');\n\n\t\/* ===============================\n\t   UTILITIES\n\t=============================== *\/\n\tfunction getNumeric(val) {\n\t\treturn parseInt((val || '').replace(\/\\D\/g, '')) || 0;\n\t}\n\n\tfunction formatRp(val) {\n\t\treturn val.toLocaleString('id-ID');\n\t}\n\n\tfunction toJuta(val) {\n\t\treturn (val \/ 1_000_000).toFixed(1).replace('.', ',');\n\t}\n\n\tfunction setJt(id, rupiah) {\n\t\tconst el = document.getElementById(id);\n\t\tif (el) el.textContent = toJuta(rupiah);\n\t}\n\n\tfunction setText(id, val) {\n\t\tconst el = document.getElementById(id);\n\t\tif (el) el.textContent = val;\n\t}\n\n\tfunction setTotalHemat(spanId, blockClass, rupiah) {\n\t\tconst span = document.getElementById(spanId);\n\t\tconst block = document.querySelector(blockClass);\n\t\tif (!span || !block) return;\n\n\t\tif (rupiah <= 0) {\n\t\t\tblock.classList.add('hidden');\n\t\t\tspan.textContent = '';\n\t\t} else {\n\t\t\tspan.textContent = toJuta(rupiah);\n\t\t\tblock.classList.remove('hidden');\n\t\t}\n\t}\n\n\tfunction PMT(rate, months, loan) {\n\t\tif (rate === 0) return loan \/ months;\n\t\treturn loan * rate \/ (1 - Math.pow(1 + rate, -months));\n\t}\n\n\t\/* ===============================\n\t   FORMAT RUPIAH INPUTS\n\t=============================== *\/\n\t[inputSisa, inputCicilan, inputTopup].forEach(input => {\n\t\tif (!input) return;\n\t\tinput.addEventListener('input', () => {\n\t\t\tconst n = getNumeric(input.value);\n\t\t\tinput.value = n ? 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