--- title: "PF065 · Captured AI answers" publisher: "Onsomble Limited" publication: "NZBrands.ai" edition: 1 collected_on: "2026-10-05" html_url: "https://nzbrands.ai/research/nz-election-2026/editions/1/questions/3351c96b-73f3-4145-a479-d10745067dd8/" --- # PF065 · Captured AI answers Edition 1 · answers collected 5 October 2026. [Read on NZBrands.ai](https://nzbrands.ai/research/nz-election-2026/editions/1/questions/3351c96b-73f3-4145-a479-d10745067dd8/) ## Question I'm retired, own my home and rely mainly on NZ Super. Rates, insurance and power bills are rising in importance for my budget, and I need regular healthcare. I am considering my vote in the 2026 New Zealand general election. What would party policies do about living costs for a retired homeowner on NZ Super? Question ID: 3351c96b-73f3-4145-a479-d10745067dd8. Report reference: PF065. Issue: Cost of living. Voter: Retired homeowner on NZ Super. [Source record (JSON)](https://nzbrands.ai/data/nz-election-2026/editions/1/answers/3351c96b-73f3-4145-a479-d10745067dd8.json) ## How to read this evidence The answers below are shown as the assistants gave them, not a verified account or NZBrands.ai voting advice. They may contain errors or outdated claims. A recorded source association is not necessarily a link shown to the reader. Captured 5 October 2026. 4 answers were saved for this question. Missing answers have not been filled in. [Study methodology and limitations](https://nzbrands.ai/research/nz-election-2026/editions/1/method.md) ## ChatGPT · asked nationally Answer ID: 2e9eaf35-d733-4cb2-8a29-a007dad6a61a. Captured 5 October 2026. **Begin captured answer — shown as given, not verified** The 2026 New Zealand general election is on **7 November 2026**, with advance voting from 26 October. [Key dates | Vote NZ](https://vote.nz/2026-general-election/about/overview/key-dates?utm_source=chatgpt.com) For someone in your position—**retired, owning your home, mainly dependent on NZ Super, with significant rates, power, insurance and healthcare costs**—the differences between the parties are quite meaningful. I’d look at five things rather than simply asking which party says “cost of living” most often. ## At a glance | Your concern | National | Labour | Greens | NZ First | ACT | |---|---|---|---|---|---| | **NZ Super** | Keep current system; stresses increases already delivered | Keep current system | More generous social-support approach | Strongest explicit commitment to protecting Super | Wants a long-term rethink of Super's sustainability | | **Rates** | **Strongest specific proposal:** cap increases at 2–4% from 2029 | No comparable nationwide cap identified | More supportive of councils, rather than restricting them | Supports seniors' rates assistance | Generally favours tighter government/local-government spending | | **Power** | More generation, competition and infrastructure | Solar without upfront cost | **Kiwipower**, community power, solar/batteries, stronger public intervention | **Break up major power companies** | More generation, competition and private investment | | **Healthcare costs** | More emphasis on system performance/access | **3 free GP visits + free prescriptions** | Major expansion of accessible public healthcare | Prevention and health-system reform | More private-sector involvement + cheaper medicines | | **Home insurance** | No major direct premium-reduction policy found | No broad home-insurance subsidy found | Climate resilience/public provision may help indirectly | No broad premium policy found | No broad premium policy found | That table needs some qualification, particularly around Super and rates. ## 1. NZ Super: probably the most important issue for you Under the current system, **NZ Super rises each 1 April in line with average wage growth**. As of April 2026, a single person living alone receives $1,110.30 a fortnight after tax at the M tax rate; two qualifying partners receive $1,708.16 combined. [Changes to benefit and payment rates from 1 April 2026 | Work and Income](https://www.workandincome.govt.nz/about-work-and-income/news/changes-to-benefit-and-payment-rates-from-1-april-2026?utm_source=chatgpt.com) ### National National is essentially offering **continuity** rather than a new senior-income programme. It points to the increases already delivered, retention of the Winter Energy Payment, and expanded rates rebates. [National Supports Seniors | National Party](https://www.national.org.nz/seniors) For you, that means the big question is whether you value **predictability and lower government spending/taxation** more than additional targeted benefits. ### Labour Labour's published 2026 programme doesn't propose changing the basic NZ Super system. Its emphasis is instead on reducing the expenses that come out of your Super—particularly healthcare costs. Its headline offer is **three free GP visits a year for everyone and free prescriptions from July 2027**. [Labour's 2026 Election Policies](https://www.labour.org.nz/policy?utm_source=chatgpt.com) For someone who needs regular healthcare, that's potentially considerably more relevant than a small change in the Super payment itself. ### Green Party The Greens put substantially more emphasis on improving support for seniors and strengthening public services. Their manifesto explicitly identifies seniors as a priority and says healthcare should be accessible and properly supported. [Manifesto 2026 - Green Party of Aotearoa New Zealand](https://www.greens.org.nz/manifesto_2026) Their approach is therefore more about **increasing the services you receive for your existing income**, rather than simply increasing NZ Super. ### NZ First NZ First has made the clearest promise on protecting the existing Super model: it says it **does not support raising the eligibility age to 67 or means-testing NZ Super**. It also says it has retained the Winter Energy Payment and increased Super payments during the current term. [Winston Peters - “Seniors Sole Defender” - New Zealand First](https://www.nzfirst.nz/winston_peters_seniors_sole_defender?utm_source=chatgpt.com) There is one important qualification: NZ First proposes that **from 2029 only New Zealand citizens would be eligible for NZ Super**. If you're already a citizen and otherwise eligible, that particular proposal would not reduce your entitlement. [NZ Super for Citizens Only - New Zealand First](https://www.nzfirst.nz/nz_super_for_citizens_only?utm_source=chatgpt.com) ### ACT ACT is the outlier. It has argued that the cost of NZ Super is becoming increasingly difficult to sustain as the population ages and has criticised Labour for refusing to address the issue. [ACT New Zealand](https://www.act.org.nz/news/hipkins-buries-his-head-in-the?utm_source=chatgpt.com) So, if **preserving today's NZ Super rules is a high priority**, ACT deserves particularly close scrutiny. Its argument is about long-term sustainability, whereas NZ First is the most emphatic about protecting the existing entitlement. --- # 2. Council rates: National has the clearest direct proposal This is probably the **single biggest policy difference for a retired homeowner**. National proposes that, from **2029**, councils would generally have to keep annual rates increases within a **2–4% target range**, with exemptions for exceptional circumstances and an independent regulator overseeing the system. [Keeping rates affordable | National Party](https://www.national.org.nz/policies/rates-capping?utm_source=chatgpt.com) That's potentially very valuable if your rates are becoming one of your largest fixed expenses. However, there's an important catch: **it doesn't mean your rates bill can only ever rise by 2–4%**. The policy concerns the annual increase and permits exemptions. It also doesn't address the possibility that councils could respond by cutting services or shifting costs elsewhere. National has also already increased the Rates Rebate Scheme. From 1 July 2026, the maximum rebate is **$830**, and the SuperGold-holder income threshold is **$46,400**. A SuperGold Cardholder receiving only NZ Super can qualify for the full rebate if their rates exceed $2,000. [Rate Rebate Scheme to assist ratepayers | National Party](https://www.national.org.nz/news/20260507-honsimonwatts?utm_source=chatgpt.com) **For a retired homeowner, I'd regard National's rates policy as a genuinely material benefit—if your council's rates are otherwise heading well above 4%.** --- # 3. Electricity: the parties have quite different theories This is another area where the differences are unusually clear. ### National: more supply + competition National's 2026 energy plan aims to increase generation, improve transmission and connections, and increase competition between electricity retailers. It argues that more supply and competition should eventually reduce household power costs. [Affordable power Kiwis can rely on | National Party](https://www.national.org.nz/news/261002-simeonbrown?utm_source=chatgpt.com) **Likely effect for you:** potentially lower bills over time, but much of the benefit depends on whether additional generation and competition actually translate into retail savings. ### ACT: competition and private investment ACT takes a similar market-oriented approach but pushes it further: make it easier to build generation and networks, allow greater competition in electricity connections, and let consumers generate and sell power more freely. [ACT New Zealand](https://www.act.org.nz/news/abundant-electricity-will-ease-cost-of-living?utm_source=chatgpt.com) If you own your home and have a suitable roof, that could be more relevant to you than it would be to a renter. ### NZ First: break up the big power companies NZ First proposes **splitting the major electricity companies into generation and retail businesses**, arguing that the current structure allows the large companies too much control over prices. It also proposes allowing household solar to be sold back to the grid at the same price as electricity purchased. ["Power to the People" - Winston Peters - State of the Nation 2026 - New Zealand First](https://www.nzfirst.nz/power_to_the_people_sotn_2026?utm_source=chatgpt.com) That's a much more interventionist proposal than National or ACT. ### Greens: public ownership The Greens propose **Kiwipower**, a publicly owned electricity company, along with community-owned power, rooftop solar and zero-interest loans for solar and batteries. [Green Party launches plan to cut power bills and take power back from the big energy companies - Green Party of Aotearoa New Zealand](https://www.greens.org.nz/green_party_launches_plan_to_cut_power_bills_and_take_power_back_from_the_big_energy_companies?utm_source=chatgpt.com) For a homeowner worried about power bills, this is probably the most ambitious proposal—but also involves the biggest change to how the electricity market works. ### Labour: solar without upfront cost Labour proposes **SolarSaver**, allowing homeowners to get solar without paying the full upfront cost. [Labour's 2026 Election Policies](https://www.labour.org.nz/policy?utm_source=chatgpt.com) That could be particularly interesting for a homeowner on a fixed income, because the attraction is reducing the initial capital hurdle rather than simply giving you a power-bill subsidy. --- # 4. Healthcare: this may be where Labour's policy matters most to you You said you **need regular healthcare**, so I'd give this considerably more weight than the average voter might. ### Labour Labour proposes: - **three free GP visits each year for every New Zealander** - **free prescriptions from 1 July 2027** - a Family Doctor Loan Scheme intended to increase GP capacity - substantial additional health funding. [Labour's 2026 Election Policies](https://www.labour.org.nz/policy?utm_source=chatgpt.com) For someone who regularly sees a GP or takes several prescriptions, this is the most immediately quantifiable household saving I've found among the major parties. ### Greens The Greens propose a broader expansion of accessible public healthcare, arguing that GP services, hospitals and the health workforce have been underfunded. [Manifesto 2026 - Green Party of Aotearoa New Zealand](https://www.greens.org.nz/manifesto_2026) The Green approach is therefore **broader system expansion**, rather than Labour's particularly easy-to-calculate "three GP visits + prescriptions" offer. ### ACT ACT favours a more mixed public/private model, with private providers being used to reduce waiting lists. It is also campaigning to close what it calls the medicines gap with Australia and to let pharmacies provide more everyday healthcare. [ACT New Zealand](https://www.act.org.nz/policies/health) The potential advantage is faster access and more choice; the important question for you is **whether that translates into lower out-of-pocket costs**, rather than simply more private provision. ### NZ First NZ First's health programme currently emphasises prevention and shifting resources toward preventing chronic illness rather than simply treating it once people become sick. [NZFirst Campaign Announcement: The Plan to “Make NZ Healthy” - New Zealand First](https://www.nzfirst.nz/nzfirst_campaign_announcement_the_plan_to_make_nz_healthy?utm_source=chatgpt.com) That's a longer-term approach, so it's less straightforward to translate into a dollar saving on your 2027 household budget. --- # 5. Home insurance: there is a surprisingly big gap in the policy offerings This is worth highlighting because **your insurance bill is important to you, but it isn't an area where the major parties currently offer a simple "we'll reduce your premiums by X%" policy.** I couldn't find a major 2026 policy from National, Labour, Greens, NZ First or ACT that directly subsidises ordinary homeowners' insurance premiums. That's important: **don't assume that a party's cost-of-living programme will automatically bring your insurance premium down.** Insurance costs are also affected by things governments can't simply legislate away—particularly reinsurance costs, property risk, extreme-weather losses and insurers' assessment of particular locations. So I'd treat insurance as a **weak differentiator between the parties**, unless a party subsequently announces a specific insurance/resilience policy. --- # What this means specifically for you If I reduce the election to your particular household rather than asking which party has the "best" overall programme: ### If your biggest problem is **rates** **National stands out.** Its proposed 2–4% rates framework is the clearest direct intervention, and the expanded rates rebate is already relevant to lower-income SuperGold holders. [Keeping rates affordable | National Party](https://www.national.org.nz/policies/rates-capping?utm_source=chatgpt.com) ### If your biggest problem is **GP and prescription costs** **Labour stands out.** Three free GP visits and free prescriptions are unusually concrete benefits for somebody who regularly uses healthcare. [Labour's 2026 Election Policies](https://www.labour.org.nz/policy?utm_source=chatgpt.com) ### If your biggest problem is **electricity** There are four quite different choices: - **National:** more supply and competition. - **ACT:** substantially more market competition and private investment. - **NZ First:** break up the major power companies. - **Greens:** public ownership plus community/household generation. - **Labour:** make solar easier to install without upfront cost. [Affordable power Kiwis can rely on | National Party](https://www.national.org.nz/news/261002-simeonbrown?utm_source=chatgpt.com) ### If your biggest concern is **protecting NZ Super itself** **NZ First is the clearest defender of the current entitlement.** National and Labour are essentially maintaining the existing framework, while ACT is much more concerned about the scheme's long-term affordability. [Winston Peters - “Seniors Sole Defender” - New Zealand First](https://www.nzfirst.nz/winston_peters_seniors_sole_defender?utm_source=chatgpt.com) ### If you want **the broadest expansion of public services** The **Greens** offer the most extensive public-service approach, funded in part through significantly higher taxation of very wealthy individuals and large corporations. Their proposed wealth tax explicitly **excludes the family home**, which is relevant to a homeowner like you. [Greens commit to tax the super-rich and large corporates fairly, cut income tax for 96% - Green Party of Aotearoa New Zealand](https://www.greens.org.nz/greens_commit_to_tax_the_super_rich_and_large_corporates_fairly_cut_income_tax_for_96?utm_source=chatgpt.com) --- ## My practical way of comparing them For your circumstances, I wouldn't rank parties by their general ideology. I'd make a little five-column household calculation: **Annual NZ Super income − rates − home/contents insurance − electricity − GP/medical costs − prescriptions = money left for everything else** Then ask of each party: **which of those five numbers does its policy actually change, by how much, and when?** On that basis, the **most directly relevant contrasts are probably National vs Labour**, with **NZ First particularly relevant if protecting Super is your overriding concern**, and **Greens/ACT particularly relevant if electricity-market policy is high on your list**. One caution: these are **campaign policies, not guaranteed outcomes**. The election determines the composition of Parliament under MMP, so coalition negotiations can substantially change what a party actually gets enacted. If you want, I can take the next step and build you a **“retired homeowner scorecard” for National, Labour, Greens, NZ First and ACT**, scoring each from 1–5 specifically on **NZ Super, rates, power, insurance, GP/prescriptions, tax and aged care**, without telling you who to vote for. **End captured answer** ## Gemini · asked nationally Answer ID: 891b0d4e-789a-4215-a6a0-b2609aa758a3. Captured 5 October 2026. **Begin captured answer — shown as given, not verified** For a retired homeowner relying mainly on NZ Super, the rising cost of fixed expenses (such as local authority rates, home insurance, and power bills) alongside healthcare needs are central issues in the **2026 New Zealand General Election**. Major political parties approach these cost-of-living and retirement pressures through distinct lenses, touching on NZ Super settings, housing/rates support, and healthcare. --- ### 1. NZ Superannuation and Eligibility Settings The core foundation of your income—NZ Super—sees a sharp divide among parties regarding its long-term future and eligibility rules: * **National:** Proposes maintaining the eligibility age at 65 until 2044, after which it would gradually rise to 67 (affecting those born from 1979 onward). Their broader focus for living costs centers on economic growth and fiscal restraint to curb inflation. * **Labour & New Zealand First:** Strongly oppose raising the age of eligibility or altering current settings. NZ First advocates keeping NZ Super locked at 66% of the net average wage and has introduced a policy proposing that NZ Super be restricted to New Zealand citizens starting in 2029 (with a transition period). * **ACT:** Supports lifting the age of eligibility sooner, arguing that current settings are fiscally unsustainable given an aging population. * **The Greens:** Support keeping universal superannuation at 65, aiming to fund public services through wealth and asset taxes rather than trimming entitlements. ### 2. Rates, Housing Costs, and Homeowner Relief As a homeowner, local council rates and insurance represent major budget pressures. Parties have proposed specific mechanisms to assist: * **The Opportunities Party (TOP):** Proposes introducing an interest-free rates deferral scheme specifically designed to help older homeowners manage rising local authority rates. * **New Zealand First:** Focuses on seniors' housing plans and expanded support options for "ageing in place," alongside broader regional cost-of-living relief. * **National / Labour / ACT:** Mainstream parties generally target broader macroeconomic drivers of inflation and housing costs (such as supply-side housing reforms or taxation changes on investment properties) rather than direct universal subsidies for homeowner overheads, though policies vary heavily on taxation (e.g., Labour’s proposed capital gains tax on investment properties versus National’s opposition to new taxes). ### 3. Healthcare Access and Affordability Regular healthcare needs are a primary concern for retirees. The major parties separate their health strategies into capacity and cost management: * **Labour:** Emphasizes making primary and community healthcare more affordable and accessible, proposing targeted funding increases ring-fenced from revenue measures. * **National:** Focuses on improving wait times, target delivery, and overall health system capacity as a core pillar of their public spending priorities. * **New Zealand First:** Highlights aged-care reform and better coordination between primary, community, and aged-care sectors as an election priority. --- ### Summary Checklist for Your Vote When evaluating your vote, consider which approach best aligns with your circumstances: 1. **Income Security:** Do you favor parties protecting the current settings of NZ Super at age 65, or those looking at structural adjustments for future fiscal sustainability? 2. **Fixed Costs (Rates & Insurance):** Are you looking for targeted relief like rates deferral mechanisms, or broader economic management intended to lower inflation on household utilities? 3. **Healthcare:** Which party's roadmap for primary health accessibility and senior care reform gives you the most confidence for regular medical needs? Are there specific household costs—such as power bills or council rates—that are impacting your monthly budget the most? **End captured answer** ## Google AI Mode · asked nationally Answer ID: 4f40b2b7-8666-48bd-a077-7ff64d6f3f88. Captured 5 October 2026. **Begin captured answer — shown as given, not verified** For a retired homeowner relying mainly on NZ Super, the rising cost of essentials like rates, insurance, power, and healthcare are central concerns. The major political parties approach these cost-of-living pressures through different tax, health, and spending adjustments: * * **National** : Generally focuses on maintaining stability for freehold homeowners on fixed incomes, avoiding sweeping new property or wealth taxes that could impact home equity. Their broader economic approach centers on inflation control and tax relief management, though they maintain standard NZ Super settings tied to average wage movements. * **Labour** : Emphasizes strengthening public health services and Pharmac funding to reduce out-of-pocket medical and prescription costs, alongside cost-of-living support targeting lower- and fixed-income households. They historically protect the statutory indexation of NZ Super against net average wages. * **ACT** : Focuses on broader structural tax reform—such as moving toward a simplified two-rate income tax structure—and spending restraint to curb inflation. On healthcare, they propose greater utilization of pharmacists and expanded primary care delivery to ease clinical bottlenecks. [RNZ] * **Green Party** : Offers a tax-free income threshold (the first $10,000 exempt) which can benefit individual secondary income streams, alongside major investments in public health and energy-efficiency home-insulation grants intended to structurally lower household power bills. However, their policy platform includes capital/wealth considerations that look at higher-value estates. * **Te Pāti Māori** : Proposes progressive tax changes including tax-free thresholds on lower income brackets and specific credits aimed at food security, coupled with heavy reinvestment into public health infrastructure. * _Note: Advocacy groups like Grey Power and Age Concern have heavily highlighted that fixed asset/cash limits (such as for accommodation support) have lagged behind inflation, urging parties to address local council rates and healthcare waitlists directly._ If you'd like to narrow this down, let me know: * * Which specific cost (rates, power, or healthcare) is **hurting your budget the most**? * Whether you have **any secondary income** alongside NZ Super? * I can dive deeper into how specific party manifestos address those areas. **End captured answer** ## Google AI Overviews · asked nationally Answer ID: 913d50e8-78dc-4c72-97e1-c571aa7773c9. Captured 5 October 2026. **Begin captured answer — shown as given, not verified** As a retired homeowner relying primarily on **NZ Super** , your budget is highly sensitive to the sharp rises in fixed costs like council rates, insurance, and electricity, alongside your healthcare needs. The major political parties contesting the **2026 New Zealand general election** have put forward distinct policy platforms that directly target these cost-of-living pressures. * * * 🏛️ NZ Superannuation Settings All major parties agree that your current NZ Super entitlement will remain a universal, non-means-tested right. However, their long-term structural approaches differ: * **National:** Supports a universal pension. While they recently adjusted fortnightly payments to track inflation, they have historically signaled a gradual increase in the eligibility age over the long term, though their official 2026 stance will be finalized close to the vote. * **Labour, Greens, and NZ First:** Have firmly committed to keeping the eligibility age locked at **65**. * **NZ First:** Has introduced a specific 2026 campaign pillar to restrict NZ Super strictly to **New Zealand citizens from 2029** (introducing a 3-year grace period) to curb rising structural costs from newer migrants. * **ACT:** Continues to advocate for long-term changes to ensure structural affordability, supporting a gradual rise in the eligibility age. * * * ⚡ Power Bills & Energy Costs Rising utility bills are a primary concern, and parties are offering different regulatory and subsidy remedies: * **National:** Has focused its cost-of-living pivot on lines and energy companies. They pledge to rewrite the law to force the **Electricity Authority** to prioritize "affordability" equally alongside reliability and competition. They also want to introduce standardized back-up contracts to flatten winter/dry-year price spikes. * **Labour:** Pledges targeted assistance through its **SolarSaver** scheme, designed to help households transition to solar energy and lower their ongoing baseline electricity costs. * **Greens:** Focus heavily on making energy companies pay a fairer share. They propose raising corporate tax rates to 33% for mega-corporations (including power companies) to fund green infrastructure subsidies. * * * 🏥 Healthcare Costs & Access With regular healthcare being a necessity, medical policies will directly impact your out-of-pocket expenses: * **Labour:** Has centered its health platform on immediate cost relief. They are campaigning on a new **Medicard** system providing **three free GP visits** annually, alongside maintaining **free prescriptions** and putting a $20 weekly cap on public transport to help you get to appointments. * **National:** Focuses on health funding through frontline social service allocations and expanding specialized care access, arguing that controlling general inflation is the best mechanism to keep medical services affordable. * **ACT:** Proposes expanding the role and funding of **Pharmac** to ensure better access to subsidized medicines, alongside expanding the range of free or low-cost treatments pharmacists can provide directly without a GP visit. * **Greens & Labour:** Both parties are strongly committed to funding pay equity for the care and support workforce to ensure elder care and home-support sectors remain fully staffed and accessible. * * * 🏠 Home Ownership, Rates, & General Living Costs While you own your home, rising council rates, insurance premiums, and general inflation eat into a fixed income. * **Tax Cut Adjustments:** * The **Greens** are campaigning on a **$10,000 tax-free income band** , which would give 96% of New Zealanders a direct boost. Because your NZ Super is taxed, this policy would leave the average retired couple roughly **$2,769 a year better off**. * **Te Pāti Māori** proposes an even higher tax-free threshold on income up to $30,000, which could save a superannuitant couple roughly **$7,809 a year**. * **Wealth & Property Safeguards:** For homeowners worried about new taxes, the **Greens' proposed wealth tax** (and Te Pāti Māori’s wealth tax) explicitly **exempts the family home** , meaning you would not be taxed on your primary residence. * **Fuel & Infrastructure:** **Labour** has promised to freeze fuel taxes for three years to keep transport costs down for seniors. ⚖️ Summary Comparison for a Retired Homeowner Issue| National / ACT| Labour| Green Party| NZ First ---|---|---|---|--- **NZ Super Age**| Open to long-term increases| Keep at 65| Keep at 65| Keep at 65; Citizens-only from 2029 **Power Bills**| Legislate Electricity Authority to prioritize "affordability"| SolarSaver energy subsidies| Higher taxes on energy gentailers to fund support| Focus on domestic energy security **Healthcare**| Boost Pharmac & expand pharmacist treatments| 3 free GP visits; free prescriptions; $20 transport cap| Fully fund care/support workers via wealth tax| Prioritize frontline health delivery **Tax Impact**| Focus on lower middle-income tax relief| Targeted property CGT (exempts family home)| $10k tax-free band (approx. +$2.7k/yr for retired couples)| Tax cuts funded by narrowing super eligibility **End captured answer** ## Publication and corrections Published and funded by Onsomble Limited. 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