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Sophia Carter

What happens after unemployment runs out in California EDD?

So I've been on regular UI for almost a year now and I'm starting to get really stressed about what happens when my California EDD benefits actually run out. I work in graphic design and the freelance market has been rough lately - I've been doing everything right, filing my weekly claims, completing my job search activities every week, logging everything in CalJOBS, but I'm getting close to exhausting my benefit year and still don't have anything solid lined up. My last day of benefits is coming up in about 6 weeks and I honestly don't even know what my options are at this point. Do I just fall off a cliff financially? Is there any extension program still active? Can I refile immediately or do I have to wait? I tried calling California EDD to ask someone directly but I cannot get through to save my life. I've been on hold for 2+ hours twice this week alone and got disconnected both times. I just want to know what my realistic options are when my unemployment runs out so I can actually plan for this instead of just panicking.

Really important question and one a lot of people don't think about until they're too close to the edge. Here's what you need to know about what happens when California EDD regular UI benefits run out: First, your benefit year ends 12 months from when you filed your initial claim. When that happens, your remaining balance (if any) expires and your claim closes. You cannot continue claiming on that same claim. As of 2025, there are NO federal extension programs active like there were during COVID. Programs like PEUC and EB (Extended Benefits) are not currently available because the national and state unemployment rates don't meet the trigger thresholds required to activate them. Your options at that point are basically: 1. File a NEW claim if you've earned enough wages in your base period. California EDD looks at wages earned roughly 5-18 months before you file, so if you did ANY work during your benefit year (part-time, gigs, anything reported), you might qualify for a new claim. 2. Look into other assistance programs - CalFresh, Medi-Cal, rental assistance through local county programs. 3. If you become fully employed and lose that job later, you can file again at that point. The key thing is don't wait until your last week to think about this. Start exploring now.

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wait so theres literally nothing between regular UI ending and... nothing?? that seems insane

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Yeah unfortunately without active extension programs that's basically the reality right now. The safety net has some serious gaps. Your best move is to start aggressively applying for jobs and looking into county assistance programs before your claim runs out, not after.

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This is accurate. I went through this last spring. The EB trigger was not met in California so there was genuinely no extension available. I had to pivot to part-time contract work and file a new partial claim.

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To add to what was said above - one thing people miss is the partial claim option. If you're working part-time or picking up gig work while still unemployed, you can sometimes maintain a claim longer or qualify for a new one faster. California EDD calculates your new base period differently each time you refile so even modest earnings during your current benefit year can count toward a new claim later. It's not much but it buys you options.

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Oh that's actually really helpful - I've been doing occasional small design projects and reporting them on my weekly claims. Would those wages count toward a new base period?

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Yes! As long as you properly reported them on your weekly certifications (which it sounds like you did), those wages go into the system. When you eventually refile, California EDD will calculate your new base period and those earnings may count. The more you earned, the better your potential new weekly benefit amount. Keep a record of every payment you received.

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same situation here, had like $4k in freelance income during my claim year and it actually helped me qualify for a second claim. not as much as my original benefit but something is better than nothing

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Ugh the calling thing is SO real. I needed to ask California EDD a similar question about my benefit year ending and spent literally 3 days trying to get someone on the phone. Kept getting the 'we cannot take your call' message or getting disconnected after waiting forever. I eventually used a service called Claimyr (claimyr.com) that basically holds your place in line with California EDD and calls you back when an agent is available. There's a video demo at https://youtu.be/JmuwXR7HA10 that shows how it works. I was honestly skeptical but I got a callback within a couple hours and got to talk to an actual human being at California EDD who answered all my questions about what happens after my claim ends. Worth checking out if you're frustrated with the phone situation.

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Thank you for this!! I've been so frustrated trying to call. I'll check out that video. Did the agent actually give you useful info about your options after benefits run out?

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Yes, the agent I spoke with was actually really helpful. She confirmed there are no active extensions right now, explained how the base period recalculation works for a new claim, and told me what documents to have ready if I needed to refile. It was worth every bit of the effort just to get that clarity.

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I've heard of Claimyr but was worried about using it. Did you have any issues?

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No issues for me. The callback came through like a regular phone call and I just talked to the California EDD agent directly. Honestly the hardest part was staying near my phone so I didn't miss the callback lol

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ok so I have a question about this because I went through something similar - when you refile a new unemployment claim after your old one runs out, does California EDD make you serve a waiting week again?? I remember having to wait like a week with zero pay when I first filed and that was brutal when I had no income

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Yes, California EDD does currently require a waiting week (they call it the unpaid waiting period) on new initial claims. It was temporarily waived during COVID but that waiver is no longer in effect as of 2025. So yes, expect one week of no payment at the start of any new claim you file. It's not fun but it's the current rule.

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ugh that's what I was afraid of. ok at least knowing that in advance I can try to have a little cushion saved up before my benefits run out. thank you

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The waiting week thing is one of those small details that catches people off guard at the worst possible time. Good to know this before you're in crisis mode.

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whats calJOBS and do you actually have to use it when ur on unemployment?? I've been filing my weekly claims but nobody told me about this and now I'm freaking out

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CalJOBS is California's state job search portal at caljobs.ca.gov. Most claimants on regular UI are required to register there and log their job search activities. California EDD requires you to contact a certain number of employers each week (usually 3) and keep a record. If you're called in for an audit of your job search, you need to show documentation. I'd log into your UI Online account and check your specific requirements - some people are on standby status and exempt, but most standard UI claimants do need to be actively job searching.

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oh no I haven't been doing any of this. I've just been checking the box on my weekly certification saying I did job search activities. will I be in trouble??

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I would not panic but I would start documenting everything going forward immediately. California EDD does conduct random audits and if you're selected and can't provide your job search log, you could face a disqualification and potentially an overpayment determination. Create a spreadsheet today and start tracking every application, company name, date, and method of contact. Better late than never.

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oh my god ok I'm doing this right now. this thread is saving me from so much potential trouble

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Something nobody mentioned yet - if your California EDD benefit year ends and you can't immediately file a new claim because you don't have enough wages in your new base period, look into California's state disability insurance (SDI) if you have any health issues, or look into your county's General Relief program as a very short-term bridge. Neither is great but they exist. Also some California counties have emergency rental assistance programs that don't require you to be on UI, just prove need.

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I hadn't thought about county programs at all. What's the best way to find what's available in my specific county?

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Search your county name plus 'social services' or go to benefitscal.org - it's a California state site that helps you figure out what programs you qualify for based on your income and situation. It's actually pretty useful and covers everything from CalFresh to rental assistance to Medi-Cal.

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benefitscal.org is legit, used it when I was in between claims. it found me CalFresh eligibility I didn't even know I had

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I'm in a similar boat and honestly the worst part about all of this is not being able to get a straight answer from California EDD directly. I tried their online chat, tried calling multiple times, sent a message through UI Online - nothing. It's like they make it impossible to get info on purpose. I found Claimyr (claimyr.com) mentioned in another thread here and used it last week - got through to an agent and she confirmed that with my earnings history I should be able to file a new claim when my current benefit year ends. Such a relief to hear it from an actual California EDD employee rather than guessing from forum posts lol

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That's reassuring to hear. I think I need to do this too because I really need someone to look at my actual account and tell me specifically what my situation is, not just general info.

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Exactly - the general info online is helpful but nothing beats having someone pull up your actual claim and tell you exactly where you stand. The agent I talked to could see all my wage history and told me specifically what my estimated weekly benefit amount would be on a new claim. That kind of specific info you just can't get any other way.

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does claimyr work on the west coast hours? like will they get you through to california edd specifically?

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Yes it's specifically for California EDD. The callback came through during California EDD's normal business hours and connected me to their regular phone line agents.

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random thing I want to add - when you DO eventually refile, make sure you update your address and contact info on your UI Online account BEFORE you refile if anything has changed. I had an old email on file and missed important notices about my new claim for like 2 weeks because they were going to the wrong place. Cost me a ton of stress.

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Oh this is such a practical tip, thank you. I actually did move last year and I should double check my address on file.

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Yes definitely check it. You can update it in UI Online under account settings. Also make sure your phone number is current because California EDD will sometimes call you with a robo-message about claim issues and if they can't reach you it can cause delays.

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I want to push back slightly on the doom and gloom here - technically there IS still the possibility of Extended Benefits activating in California if the unemployment rate triggers it. California has been hovering around the threshold. It's not active now but it's not impossible it could activate. I wouldn't COUNT on it but I also wouldn't assume it's completely off the table depending on economic conditions between now and when your claim ends.

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Fair point - I should have been more precise. EB CAN activate if California's insured unemployment rate hits certain thresholds for a sustained period. It's just not currently active and the current rates don't suggest it's imminent. But you're right that it's technically possible and worth monitoring. California EDD would announce it on their website if EB became available.

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Yeah I'm not saying bank on it, just saying keep an eye on it. California EDD's website would post it and there'd be news coverage. Don't make it your plan A but maybe keep it as plan C or D.

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can someone explain the base period thing in plain english I've tried to read the california edd website about it like 4 times and I still don't understand it

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Sure - your base period is basically the window of time California EDD looks at to see how much you earned before filing. For most people it's the first four of the last five complete calendar quarters before you filed your claim. So if you file in October 2025, they'd look at your wages from roughly April 2024 through March 2025. If you earned at least $1,300 in your highest quarter OR $900 in your highest quarter AND total base period wages of at least 1.25x your highest quarter, you qualify. It's their way of making sure you had real recent work history.

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ok that actually makes sense now thank you!! so if I've been doing some freelance work while on UI, that work from the past year could count when I refile later?

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Exactly right. Wages you earned and reported during your current benefit year will fall into the base period calculation for your next claim. That's why even small amounts of part-time or freelance income matter - they're potentially building your eligibility for the next round.

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this forum is genuinely more helpful than the california edd website itself lol

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Just went through this literally 2 months ago. My regular UI ran out, I was terrified, and here's what actually happened: I refiled immediately after my benefit year ended. California EDD processed the new claim in about 3 weeks (I had to go through a mini adjudication because my separation reason was a bit complicated), I had to serve the waiting week again, and then payments started. My new weekly benefit amount was lower than before because my wages during the previous year were lower, but I'm back on UI. It's not ideal but it's not the end of the world. The system does have at least some continuity to it.

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This is really reassuring, thank you for sharing a real experience. The 3-week processing time is good to know so I can plan for a gap in payments.

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Yes plan for a gap for sure. I'd say have at least 4-5 weeks of expenses covered if you can before your benefit year ends, because between the processing time and the waiting week you're looking at a potential 4+ week gap with no income coming in.

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This matches my experience too. The gap is real and it's painful but it's survivable if you plan for it. And make sure you file your new claim the very first day you're eligible - don't wait even one extra day because every day of delay is a day of potential benefits you're not getting.

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Does anyone know if you have to do a whole new phone interview when you refile or does california EDD just look at your history and approve it??

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It depends. A lot of new claims on refile go through without needing a phone interview if your circumstances are clear - like you were laid off from the same type of work and there's no conflicting info. But if there's anything that triggers adjudication (disputed reason for separation, earnings that don't match records, gaps in information), California EDD will schedule an interview. You'll get notified through UI Online and they'll send a letter. If that happens, absolutely be available for that call because missing a scheduled interview can really delay your claim.

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ok good to know. my situation is pretty straightforward laid off, nothing weird so hopefully I won't need an interview. fingers crossed

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the thing that makes me so angry about this whole situation is how california edd gives you basically ZERO proactive communication about any of this. like they're not going to email you saying 'hey your benefit year ends in 6 weeks here's what to do' - you have to discover it yourself by doing math or stumbling across a forum thread like this. the burden is entirely on the claimant to figure out a system that's genuinely confusing. rant over

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No this is valid and I feel this deeply. I would have NO idea about most of what I've learned in this thread if I hadn't gone looking. California EDD really does put all the discovery burden on claimants.

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Right?? And then if you mess something up because you didn't know the rules, that's somehow YOUR problem and can lead to overpayment notices or disqualification. The information asymmetry is wild.

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To be fair California EDD does send a notice when your benefit year is about to end, but it's easy to miss if you're not checking your UI Online inbox carefully. They don't email or call, just a notice in the system. Check your UI Online account messages regularly, not just when you're doing your weekly certification.

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A notice in the system that most people don't know to look for is barely better than nothing but ok yeah fair point I'll update my take slightly lol

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I was reading this whole thread and realized I should probably check how much of my benefit balance I actually have left. I've been on UI for like 8 months and never really looked at the numbers. Just checked UI Online and I have about 9 weeks left. Now I'm panicking a bit but at least I know. Thank you everyone for the wake up call honestly.

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Same! This thread made me actually log in and check too. We're kind of in the same boat with timing. At least 6 weeks for me.

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Better to know now than in 2 weeks when it's actually too late to do anything. 9 weeks is enough time to get a plan together. Start your job search documentation if you haven't been, look into whether your freelance wages qualify you for a new claim, and have the Claimyr number ready for when you need to talk to California EDD directly.

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yeah I used claimyr.com to get through to california EDD today actually after reading this thread. took a couple hours for the callback but I talked to someone who confirmed I do have enough wages to refile when my benefit year ends. honestly such a relief

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quick clarifying question - when people say 'benefit year ends' does that mean you automatically stop getting paid or do you have to do something to officially close the claim?

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The claim just stops automatically - you don't need to do anything to close it. Once your benefit year end date passes, you simply won't be able to submit any more weekly certifications on that claim. The system closes it for you. What you DO need to actively do is file a new claim if you want to continue receiving benefits. That requires a whole new initial claim application through UI Online.

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ok that's simple enough, thank you. so the action required is filing new, not closing old. got it.

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follow up question lol - can you file the new claim BEFORE your current benefit year ends to avoid a gap? like can you have them running at the same time?

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To answer the question that just got raised - no, you generally cannot have two active UI claims simultaneously. California EDD won't let you open a new claim until your current benefit year has ended. So there will be a gap. Some people try to time it by filing for the new claim the moment their benefit year ends, which is the right strategy - file ASAP on that first day of eligibility. You can sometimes file online at midnight of the day your benefit year ends to get it in as early as possible.

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ok midnight filing, noted. that's actually a really useful tip thank you

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Filing at midnight is something I never would have thought of but that's such a smart move to avoid any unnecessary delay. Writing this down.

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I filed mine first thing in the morning on the day my benefit year ended. Like 7am when UI Online opens up. Didn't want to wait and every day counts when you have no income coming in.

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Has anyone had experience with the transition to Medi-Cal when their unemployment runs out? I know when you're on UI you get some kind of coverage situation but I'm confused about what happens to health insurance after benefits end and I don't have a job with benefits yet

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Good question and slightly off-topic but important. When your UI income drops or ends, you may actually qualify for Medi-Cal (California's Medicaid) because your income will fall below the eligibility threshold. Go to Covered California (coveredca.com) and report your income change immediately when your benefits end - you have 60 days to enroll in a new plan due to a qualifying life event. Medi-Cal could be free or very low cost depending on your income level.

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Oh wow I didn't know losing UI income is a qualifying life event for Covered California. That's actually really helpful. Thank you!

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Yes it definitely is. Any significant income change qualifies. And if your income is low enough after benefits end you might switch from a Covered California subsidized plan to straight Medi-Cal which covers a lot. Don't let the health insurance piece be a gap because emergency medical stuff without coverage while unemployed is a nightmare scenario.

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Just want to add my experience with trying to get info about what happens after UI runs out - I spent three weeks trying to get through to California EDD through normal channels (phone, online contact form, UI Online messages) and got absolutely nowhere. I eventually found Claimyr at claimyr.com and it was genuinely the only thing that worked. There's a demo video at https://youtu.be/JmuwXR7HA10 that shows how it works. I got connected to an agent who walked me through the entire reapplication process and explained exactly what my wages during my current claim year would mean for a new claim. If you're hitting walls trying to reach California EDD about this stuff, it's worth checking out.

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I'm going to try this today. The phone situation has been genuinely awful and I really need to talk to someone about my specific account situation.

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Definitely do it. Have your Social Security number, claim ID, and a list of your questions ready before the callback comes. The agents are pretty helpful when you actually get one - the hard part has just been getting through.

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confirmed claimyr works, used it for a different issue with my california EDD claim last month. got through in a few hours and talked to a real person.

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UPDATE for anyone who finds this thread later: I used Claimyr to get through to California EDD and finally got real answers about my situation. The agent confirmed I have enough freelance wages during my current benefit year to qualify for a new claim when my benefit year ends. She told me to file immediately when my benefit year closes and that my estimated weekly benefit on a new claim would be around $280 (lower than my current $430 but better than nothing). She also confirmed no extensions are active right now. For anyone stressing about unemployment running out - get on the phone with California EDD somehow (Claimyr made that actually possible for me) and get your specific situation assessed. General info from forums is helpful but knowing YOUR numbers is what actually lets you plan. Thank you everyone in this thread, genuinely.

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Really glad you got clarity and shared it back here. This is exactly the kind of update that helps future people searching for this info. Good luck with the job search and hopefully that new claim is just a bridge to something better.

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Love to see an update with actual resolution. And $280/week on a new claim isn't nothing - it's a cushion while you keep looking. Best of luck.

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Great outcome! And yeah your point about knowing your specific numbers vs. general info is spot on. Everyone's base period and wage history is different so general forum advice only gets you so far. Glad you got through.

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saving this thread to send to literally everyone I know who is on UI because the amount of useful information here is insane. thanks OP for posting this

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