Россиянам стало нечем платить за ипотеку и автокредиты: задолженность растет

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Долги по кредитам увеличиваются даже на фоне роста реальных доходов Поделиться

Во втором квартале 2025 года просроченная задолженность по ипотечным и автокредитам выросла в России практически в два раза. Точнее, соответственно, на 97 и 85%. Если в миллиардах рублей, то по ипотеке задолженность составляет 95, а по авто – 32. Такие данные сообщает Объединенное кредитное бюро.

Россиянам стало нечем платить за ипотеку и автокредиты: задолженность растет

тестовый баннер под заглавное изображение

Здесь возникают вопросы. Во II квартале 2025 года рост реальных располагаемых доходов населения составил, согласно Росстату, 7% , а в целом за I полугодие -на 7,8%. Откуда взяться долгам, да еще  и по ипотеке, которую россияне оплачивают буквально «через не могу»? 

Как один из факторов, приведший к такому результату, аналитики указывают на высокую ключевую ставку ЦБ, которая, как известно, сохранялась в России достаточно продолжительный период. Но не это самое главное. Регулятор объясняет тревожную статистику тем обстоятельством, что во второй половине 2023 года и в первой половине 2024 года в стране отмечался настоящий бум на выдачу подобных кредитов. Банки практически никому не отказывали, даже тем, кого априори можно было считать рискованными клиентами.

С тех пор много воды утекло. В указанный период ключевая ставка повышалась шесть раз — с 7,5% в июле 2023 года до 16% до второй половины 24-го. Вслед за этим показателем повышались проценты по кредитам и увеличивалась  инфляция, которая съела часть доходов россиян. А в итоге многие не в состоянии платить по долгам…. 

Как видим, речь идет не о простых заемщиках, которым нужен кредит, чтобы перехватиться до зарплаты или оплатить «коммуналку». Тут элита, которая на многие годы вперед взваливает на себя тяжкое финансовое бремя… Потому заемщики сначала 7 раз отмерят, а уже один раз отрежут. И вот такой финал. Что-то в жизни пошло не по плану и они становятся должниками…

Финансовый аналитик, кандидат экономических наук Михаил Беляев видит в этой статистике тревожный сигнал для экономики страны.

— Ипотечное жилье – самый животрепещущий вопрос для заемщиков, — поясняет он. — Ипотека во все времена выплачивалась из последних сил, на пределе возможностей. Иначе потеряешь свои  квадратные метры. По ней просрочек практически не было. А теперь они выросли почти в два раза. Это плохо.

— Выход из ситуации какой-то есть?

— Я не вижу. Только нагрузка на бюджет, другого быть просто не может. Те, кто станет обращаться в правительство с такими предложениями – простить долги —  погашать банкам недостачу из своего кармана не будут. Только из бюджета, в котором  дефицит и так около 4 триллионов рублей. 

ЧИТАТЬ ТАКЖЕ:  Кирпич вместо «Айфона»: в соцсетях запаниковали из-за возможного отключения яблочных гаджетов

— Можно, наверное, не впадать в крайность, а реструктурировать долги…

— Теоретически — да. Это означает продлить срок оплаты кредита и снизить по нему проценты. Только куда его продлевать, если по ипотеке он и так составляет 20-30 лет? Да и снизить проценты по кредиту не дает уровень ключевой ставки. Вопросы по набежавшей задолженности  прежде всего возникают к росту заработной платы.

— Но она постоянно увеличивается, причем не первый год подряд!  

— Не у всех. Недавно в открытых источниках сообщалось о разрыве в доходах населения. Айтишники получают в 17 раз больше по сравнению с низшими зарплатами. Значит, не у всех они вообще  растут или не в такой пропорции, как увеличиваются цены и инфляция. Для этой категории граждан инфляция делает свое черное дело. Ежедневно увеличивающиеся расходы на походы в магазин и на услуги ЖКХ не позволяют многим россиянам  обслуживать взятые кредиты.   

Здесь свою роль играют и информационные вбросы — когда разные деятели призывают правительство «простить» те или иные задолженности населения. Под тем предлогом, что банки-де мародеры, уже последнюю рубашку с людей стаскивают. Человек поневоле надеется, что государство его в беде не оставит, в конечном итоге «простит» долги.

— Заемщикам-должникам что делать?

— По правде говоря, я к ним отношусь без всякого сожаления: зачем брать на себя финансовые обязательства, если не в состоянии их выполнять… Но понимаю, что у каждого своя индивидуальная история. Я бы им посоветовал совместно с банком искать рыночные решения погашения долгов.   

— А позиция банков? Чем им грозит рост просроченной задолженности граждан?   

— Кредитные организации теряют свою прибыль, у них ухудшается ежедневная отчетность перед регулятором. Значит, повышается угроза отзыва лицензии и банкротства. Как всякое коммерческое предприятие, они будут стараться сохранить прибыль.

— Каким образом?

— В предвкушении очередного снижения ключевой ставки, банки могут еще сильнее снизить проценты по новым депозитам населения. Но, скорее всего, не будут торопиться с уменьшением процентов по кредитам. Нельзя исключать, что введут какие-то дополнительные комиссии. Есть у них и другие способы для получения прибыли.  

14 КОММЕНТАРИИ

  1. Ipamorelin Peptide: Dosage, Benefits, Side Effects

    Ipamorelin Peptide: Dosage, Benefits, Side Effects

    Key Takeaways

    Ipamorelin is a growth hormone releasing peptide that stimulates the pituitary to
    release natural growth hormone.

    It offers benefits such as improved muscle recovery, enhanced sleep quality, and potential anti‑aging effects.

    The typical dosage ranges from 200–300 mcg per injection, divided into two
    or three doses daily.

    Side effects are generally mild but can include water retention, tingling
    sensations, and temporary increases in appetite.

    What Is Ipamorelin?

    Ipamorelin is a synthetic hexapeptide that mimics the natural hormone ghrelin. It binds to the
    growth hormone secretagogue receptor (GHS‑R1a) on pituitary cells,
    prompting them to release growth hormone (GH). Unlike older peptides, ipamorelin has minimal
    influence on cortisol or prolactin levels, making it a more targeted GH stimulator.

    Ipamorelin Overview

    Chemical composition: 6 amino acids with a cyclic structure that confers stability
    in the bloodstream.

    Mechanism of action: Selective stimulation of GH release via
    GHS‑R1a activation.

    Pharmacokinetics: Rapid absorption after subcutaneous injection, peak GH levels within 30–60 minutes.

    What Does Ipamorelin Do to the Body?

    When administered, ipamorelin triggers a cascade that results in increased circulating growth hormone and subsequently higher insulin‑like growth factor‑1 (IGF‑1).
    This promotes protein synthesis, lipolysis, collagen production, and improved tissue repair.

    Benefits Of Ipamorelin

    Muscle Growth & Recovery – Enhanced protein synthesis supports muscle hypertrophy and reduces post‑exercise soreness.

    Fat Loss – Elevated GH levels stimulate lipolysis, helping to mobilize stored fat
    for energy.

    Improved Sleep Quality – GH secretion peaks during deep sleep; ipamorelin can strengthen this natural rhythm.

    Anti‑Aging Effects – Higher IGF‑1 and collagen production may improve skin elasticity and joint health.

    Where Can I Buy Ipamorelin?

    Ipamorelin is sold by specialized peptide manufacturers and distributors that comply with regulatory standards.
    Purchases should be verified for purity (≥95 %) and proper documentation of synthesis protocols.

    Who Should Use Ipamorelin?

    Athletes seeking faster recovery and lean muscle
    gains.

    Individuals experiencing age‑related GH decline.

    Those looking to improve sleep patterns and overall vitality.

    How To Use Ipamorelin?

    Administer subcutaneously using a 1 ml syringe with a 27–30
    gauge needle. Common injection sites include the abdomen, thigh, or upper arm.

    Rotate sites to prevent lipodystrophy.

    Forms Of Ipamorelin

    Powder – Requires reconstitution with sterile water for
    injection (SWFI).

    Pre‑filled vials – Convenient but often more expensive.

    Ipamorelin Dosage

    Typical dosing protocols:

    200 mcg twice daily (morning and evening) for beginners.

    Up to 300 mcg divided into three doses (e.g., 100 mcg
    at 8 AM, 8 PM, and midnight).

    Ipamorelin Cycling

    Many users cycle ipamorelin every 6–8 weeks to maintain responsiveness and reduce potential tolerance.
    A typical cycle might include 4 weeks on followed by a 2‑week break.

    Ipamorelin Stacking

    Common stacks involve pairing ipamorelin with other peptides:

    CJC‑1295 (GH‑releasing hormone) for synergistic GH release.

    BPC‑157 to enhance joint and tendon repair.

    Sermorelin as an alternative GH secretagogue.

    User Experience Of Ipamorelin

    Users often report increased energy, reduced muscle soreness, and a
    subtle sense of well‑being. Many note that sleep quality improves after
    the first week of consistent use.

    Ipamorelin Side Effects

    Mild water retention or edema in some users.

    Occasional tingling or numbness at injection sites.

    Increased appetite due to ghrelin mimicry.

    Rare cases of transient headaches or dizziness.

    Is Ipamorelin Legal?

    In many jurisdictions, ipamorelin is considered a research chemical and not approved for human consumption. Athletes should consult anti‑doping regulations before use.

    Ipamorelin vs. Other Peptides

    Ipamorelin vs. Sermorelin – Sermorelin stimulates GH release but also raises
    prolactin; ipamorelin does not.

    Ipamorelin vs. cjc 1295 / ipamorelin side effects‑1295 – CJC‑1295
    has a longer half‑life and can elevate GH for several hours, whereas ipamorelin provides more immediate spikes with less cortisol impact.

    Is Ipamorelin legit?

    Yes, numerous peer‑reviewed studies support its efficacy in stimulating growth hormone release without significant endocrine side effects.

    How long does it take to see results from Ipamorelin?

    Initial changes such as improved sleep and reduced soreness may appear within 2–4 weeks; noticeable muscle gains or fat loss often require 8–12 weeks of consistent use.

    Does Ipamorelin increase testosterone?

    Ipamorelin primarily boosts GH and IGF‑1; it does not directly elevate testosterone levels, though increased HGH can indirectly support anabolic processes that may influence hormone balance.

    How long does Ipamorelin last?

    The peptide itself has a short half‑life (≈30 minutes), but the hormonal cascade lasts several hours, with peak
    GH effects seen within an hour of injection.

    Should I cycle Ipamorelin?

    Cycling helps prevent tolerance and maintains sensitivity of GHS‑R1a receptors.
    A 4‑week on/2‑week off schedule is commonly recommended.

    Can ipamorelin cause weight gain?

    Weight gain is unlikely unless caloric intake significantly exceeds expenditure; however, increased appetite may lead to higher food consumption if not monitored.

    When should I take ipamorelin?

    Morning injections align with natural GH peaks and reduce sleep interference.

    Evening or bedtime doses can enhance nocturnal hormone release for better
    recovery.

    Comments and questions?

    Readers are encouraged to share experiences, ask questions about dosing protocols,
    or seek clarification on safety profiles in the comments section.

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    WANT TO BUY PEPTIDES?

  2. Steroids & Sports Performance Enhancers: Information For Teen Athletes

    Overview of a Modern Clinical Trial

    A contemporary randomized controlled trial (RCT) is designed as a prospective, interventional study that
    compares one or more new interventions to an existing
    standard of care or placebo. The core elements are:

    Population – Clearly defined inclusion and exclusion criteria so the sample represents the
    target patient group.

    Intervention(s) – Detailed description of drug dosage of anavar for bodybuilding, delivery method, schedule, and any ancillary procedures (e.g., monitoring, supportive care).

    Comparator – Either a placebo, active control, or standard therapy; the choice
    depends on ethical considerations and scientific objectives.

    Outcomes – Primary endpoint(s) that reflect clinically meaningful benefit (e.g., overall survival, disease‑free survival).
    Secondary endpoints capture additional information such as safety,
    quality of life, biomarkers, or pharmacokinetics.

    Randomization & Blinding – Allocation concealment protects against selection bias;
    blinding (single/double) reduces performance and detection bias.

    Sample Size & Power Calculations – Determined a priori to
    detect expected effect sizes while controlling type
    I/II errors.

    Statistical Analysis Plan (SAP) – Predefined methods for handling missing data,
    interim analyses, subgroup tests, and multiplicity adjustments.

    Monitoring & Safety Oversight – Independent Data Monitoring
    Committee (DMC) reviews safety signals; early stopping rules
    may be specified.

    By adhering to this framework, investigators can produce robust
    evidence that informs clinical guidelines and improves patient
    outcomes.

    2. Case Study: A Trial with Methodological Shortcomings

    2.1 Trial Overview

    A multicenter randomized controlled trial (RCT) evaluated a
    novel antihypertensive agent («Drug X») versus
    standard therapy in adults with stage‑II hypertension. The primary endpoint was systolic blood pressure
    reduction at 12 weeks. Secondary endpoints included diastolic
    BP, adverse events, and patient‑reported quality of life.

    2.2 Key Methodological Flaws

    Aspect Flaw Identified Potential Impact on Findings

    Randomization Allocation sequence generated by a simple random number table
    without concealment. Risk of selection bias; investigators could predict assignment and influence enrolment or baseline characteristics.

    Blinding Open‑label design: participants, clinicians, and outcome assessors aware of treatment
    allocation. Performance bias (differences in care),
    detection bias (subjective outcomes like quality of life influenced by expectations).

    Outcome Measures Primary outcomes defined post hoc; use of non-validated scales
    for pain severity. Measurement bias; results may reflect instrument sensitivity rather than true
    effect; increases risk of false positives.

    Data Analysis Intention‑to‑treat analysis performed but missing data imputed using last observation carried
    forward. Attrition bias; LOCF can underestimate variability and inflate treatment effects.

    Reporting Selective reporting: only statistically significant outcomes presented; negative results omitted.
    Publication bias; overestimation of efficacy.

    These methodological weaknesses compromise the internal validity
    of the findings, rendering the conclusions about the intervention’s effectiveness uncertain.

    4. Recommendations

    Adopt Robust Study Designs

    — For future investigations, employ randomized controlled trials (RCTs) with adequate sample sizes calculated from power analyses
    to detect clinically meaningful differences.

    — If RCTs are infeasible, use well‑designed prospective cohort or case‑control studies
    with appropriate matching and adjustment for confounders.

    Enhance Data Collection

    — Standardize measurement protocols across sites, using calibrated instruments and trained personnel.

    — Incorporate objective outcome measures (e.g.,
    imaging, biomarker levels) alongside validated patient‑reported outcomes to triangulate findings.

    Implement Rigorous Statistical Analyses

    — Utilize multivariable regression models to control
    for potential confounders.
    — Conduct sensitivity analyses to assess the robustness
    of results under varying assumptions (e.g., missing data imputation,
    different model specifications).

    Improve Reporting and Transparency

    — Follow established reporting guidelines such as STROBE for observational studies or CONSORT for randomized trials to enhance reproducibility.

    — Share de‑identified datasets and analysis code in public
    repositories where feasible.

    Plan for External Validation

    — Design future studies with pre‑defined validation cohorts
    or plan prospective replication studies to confirm findings across diverse populations and settings.

    By systematically addressing these methodological challenges, the research team can strengthen the
    validity of their conclusions regarding the clinical implications of the novel biomarker and its potential utility in personalized medicine.

  3. Deca Durabolin: Uses, Benefits, And Side Effects

    Tối Ưu Hóa Sức Khỏe Bằng Công Cụ
    Hiện Đại: Giới Thiệu Các Dịch Vụ Phòng Ngừa và Điều
    Trị Đột Phá

    > Ngày đăng: 27 / 4 / 2024

    > Bộ phận: Y tế & Đầu tư sức khỏe

    1. Lý do tại sao công nghệ đang thay đổi cách
    chúng ta chăm sóc sức khỏe

    Sự bùng nổ dữ liệu y tế: Hàng ngàn bệnh nhân, triệu dữ liệu lâm sàng được
    thu thập mỗi ngày.

    Công cụ AI & Machine Learning giúp phân tích nhanh hơn và chính xác hơn.

    Phát hiện sớm: Trước khi các triệu chứng trở nên rõ rệt,
    hệ thống có thể cảnh báo và đề xuất
    biện pháp phòng ngừa.

    > «Khả năng dự đoán bệnh trước khi xảy ra»
    là mục tiêu của nhiều nghiên cứu trong năm 2023-2024.

    Bản đồ chính xác về các công nghệ đang được áp dụng

    |
    | Công nghệ | Mô tả | Ví dụ ứng dụng | Thời điểm triển khai
    |

    |—|————|——-|——————|———————-|
    | 1 | Machine Learning (XGBoost, Random Forest) | Phân tích
    dữ liệu lớn để tìm mẫu bệnh lý | Dự đoán nguy cơ
    mắc bệnh tim mạch | 2023 |
    | 2 | Deep Neural Networks (CNN) | Xử lý ảnh y tế (chụp X‑ray, MRI)
    | Nhận dạng ung thư phổi | 2024 |
    | 3 | Reinforcement Learning | Tối ưu hoá
    lộ trình điều trị | Đề xuất kế hoạch thuốc | 2025 |
    | 4 | Federated Learning | Học mô hình mà không chia sẻ
    dữ liệu | Bảo vệ quyền riêng tư bệnh nhân | 2026 |

    > Những bước tiến này dựa trên các nghiên cứu của Tạp chí Y
    khoa (NEJM) và Tổ chức Thống kê Y tế Quốc gia.

    Bảng Kết Luận

    Vấn đề Dữ liệu Mô hình

    1. Định lượng dữ liệu y tế Nhiều hồ sơ điện tử, ảnh y khoa Deep Neural Networks (CNN, RNN)

    2. Kiểm tra và dự báo bệnh Số lượng lớn dữ liệu bệnh nhân Reinforcement Learning, Bayesian Inference

    3. Tối ưu hóa điều trị Hệ thống lâm sàng phức tạp Multi‑objective Optimization, Genetic Algorithms

    > Khuyến nghị: Kết hợp các mô hình AI với quy trình y tế hiện tại để tăng hiệu quả
    và giảm sai sót.

    4. Khác Biệt Cách Tiếp Mới

    4.1 «Thuyền» Đến Với Tương Lai

    Yếu tố Trái ngược (Kinh nghiệm truyền thống) Mô hình AI

    Tốc độ Giải pháp thủ công, chậm lãng phí thời gian Dự báo nhanh chóng, tự động hoá

    Độ chính xác Phụ thuộc vào kiến thức con người, dễ sai sót Được huấn luyện trên dữ liệu thực tế,
    ít sai lệch

    Khả năng mở rộng Rất giới hạn trong quy mô tổ chức Có thể
    triển khai toàn cầu

    3. Mô hình AI (Tóm tắt)

    Mục tiêu: Tăng tốc độ, giảm lỗi và nâng cao hiệu quả.

    Chiến lược:

    — Thu thập dữ liệu lớn từ các nguồn khác nhau.

    — Xây dựng mô hình học sâu để dự đoán và
    phân loại.
    — Triển khai hệ thống tự động trong quy trình thực
    tế.

    4. Phần B: Kết quả, Tác động & Kế hoạch

    a) Kết quả

    Mục tiêu Đạt được

    Tốc độ Giảm thời gian xử lý 60% so với
    phương pháp truyền thống.

    Chất lượng Nâng cao độ chính xác phân loại
    lên 95%.

    Hiệu suất tài nguyên Tối ưu hóa việc sử
    dụng CPU/GPU, giảm chi phí vận hành.

    b) Tác động

    Kinh tế:

    — Tiết kiệm ngân sách ~30%/năm cho dự án.

    Công nghệ:

    — Định hướng phát triển AI và học máy trong
    các ứng dụng thực tiễn.

    Xã hội:

    — Cải thiện dịch vụ công, giảm thời gian chờ đợi, nâng cao trải nghiệm người dùng.

    c) Phát biểu của chuyên gia

    > «Việc áp dụng thuật toán tối ưu hoá và học máy đã chứng minh khả năng cải thiện hiệu suất hệ thống một cách đáng kể. Bên cạnh đó, phương pháp này còn mang lại lợi ích kinh tế và xã hội quan trọng.»

    > — Nguyễn Văn An, Giám đốc Tư vấn Công nghệ Thông tin.

    5. Kết luận

    Các thuật toán đã được đề xuất và thử
    nghiệm có thể đạt hiệu suất tối ưu cho các bài toán cụ thể.

    Việc lựa chọn phương pháp phù hợp tùy thuộc vào đặc điểm dữ
    liệu, tài nguyên tính toán và yêu cầu
    thực tế của hệ thống.

    Phân tích chi phí và lợi ích sẽ giúp quyết định triển khai những thuật toán mang lại giá trị
    cao nhất.

    Cảm ơn

    Câu hỏi & thảo luận?

    References:

    winstrol and dianabol cycle

  4. Anavar, also known as oxandrolone, is one of the most popular
    anabolic steroids among bodybuilders and athletes who want to increase
    muscle mass while minimizing water retention. The drug is prized
    for its mildness compared to other compounds, which makes it an attractive option for those looking to enhance strength, lean out, or
    recover from injury without a heavy steroid load. However,
    like any performance‑enhancing agent, achieving optimal results
    with Anavar requires more than simply taking the pill; you must carefully plan your training program,
    nutrition, and post‑cycle care.

    Training on Anavar: How to Maximize Your Cycle Results

    A well‑structured workout routine is essential for extracting maximum benefit from
    an Anavar cycle. Because Anavar tends to produce modest
    gains in muscle size but substantial improvements in strength and definition, the focus should be on hypertrophy training that emphasizes progressive overload while also incorporating high‑intensity techniques.
    A typical schedule might involve four to five days of resistance work per week, split into push/pull/legs or
    upper/lower routines.

    Hypertrophy Volume – Aim for 3–5 sets per exercise with 8–12 repetitions per set.
    The goal is to keep muscle tension high enough to stimulate growth without excessive fatigue that could impede recovery.

    Compound Movements First – Start each session with heavy compound lifts such as squats, deadlifts, bench
    press, and overhead press. These exercises recruit the most muscle fibers and will benefit from Anavar’s strength‑boosting properties.

    Isolation Finishing – After the main lifts, add
    isolation work for smaller muscles (e.g., biceps curls, triceps extensions).
    This ensures a balanced physique and helps to maintain muscle definition.

    Intensity Techniques – Incorporate supersets, drop sets,
    or rest‑pause sets once you feel comfortable with
    the basic volume. Anavar’s ability to improve
    muscular endurance allows you to push harder during these high‑intensity segments.

    Nutrition is another critical component of a successful cycle.
    A protein intake of 1.2–1.5 grams per pound of body weight supports
    muscle repair, while carbohydrates should be timed around workouts to provide energy and
    replenish glycogen stores. Adequate healthy fats are
    also essential for hormone production and overall health.
    Stay hydrated and avoid excess sodium, which can counteract Anavar’s low water retention effect.

    During the cycle, monitor your progress weekly. Track weights lifted, body measurements, and body
    fat estimates using calipers or a reliable body composition scale.
    Adjust training loads accordingly; if you notice
    a plateau in strength gains, consider increasing volume or incorporating a different rep scheme to stimulate adaptation.

    People are asking…

    Many users of Anavar want to know how quickly they can expect visible changes, what side effects to anticipate,
    and how best to structure their post‑cycle therapy (PCT).

    The answers vary based on individual factors such as genetics, diet, training intensity, and the
    dose used.

    Visible Changes – Most bodybuilders report noticeable improvements in muscle tone and definition within 4–6 weeks
    of a 20–30 mg daily dose. Muscle size gains are more gradual;
    expect an increase of 5–10 pounds of lean mass over an eight‑week cycle if training intensity is maintained.

    Side Effects – Anavar is relatively mild, but users can still experience androgenic side
    effects such as acne, hair loss, or mood swings. Women should be cautious about virilization risks (deepening voice, hirsutism).
    Liver strain is minimal compared to other oral steroids,
    yet a liver‑support supplement may still be prudent for extended cycles.

    Post‑Cycle Therapy – Because Anavar does not severely suppress natural testosterone production, many users skip or shorten PCT protocols.
    However, even mild suppression can affect recovery; a short course of selective
    estrogen receptor modulators (SERMs) like tamoxifen for 2–3 weeks is often recommended to maintain hormonal balance and support lean muscle
    retention.

    The synergy between training, nutrition, and careful dosing turns Anavar into a powerful tool for bodybuilders who want
    fast, defined gains without the heavy side‑effects associated with more aggressive steroids.
    By following a structured hypertrophy program, maintaining a
    clean diet, and addressing common concerns proactively, users can maximize their results while keeping health risks to a minimum.

  5. Thanks , I have just been searching for information about this topic for a long time and yours is the best I’ve discovered so far. But, what about the bottom line? Are you certain concerning the source?

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